Prime November 2023

A SPECIAL PUBLICATION OF THE BOZEMAN DAILY CHRONICLE

NOVEMBER

2023

4 CONTROLLING THE FUTURE DOGWOODS FOR FALL COLOR 8 IN THE LANDSCAPE 10 OLD GUY PRONOUNS A MAGAZINE FOR MATURE ADULTS

2 / NOVEMBER 2023 PRIME

ANNUAL THANKSGIVING DAY RACE raises funds for community

Photos courtesy of HRDC

By Jennifer Verzuh

T

his Thanksgiving Bozeman residents shouldn’t be surprised to see turkeys running around town .Or people decked out in turkey-themed garb that is. Holiday costumes play a part in HRDC’s Huffing for Stuffing, an annual race that benefits Gallatin Valley residents in need.

Race co-director Emma Hamburg said the event offers

“something for everyone in the community,” and sees a large turnout of participants of all ages, often in fun outfits.

“It’s definitely become a tradition for a lot of families in the area,” she said.

more competitive in the 10k.”

“We have people clear up to their 70s or 80s run or walk,” Huffing for Stuffing Committee member and “starting line guru” Barb Harris said.

With a 5K and 10K race and fun run option, as well as a kids’ run, the event strives to be accessible for everyone, Hamburg said.

Harris has been involved with the event for 8 years, first as a staff member with HRDC, and now, following her retirement, in a volunteer capacity.

“We see all levels, all abilities,” she said. “It’s something that people walk as a group, or get

“It’s one of my favorite things to do,” she said. “I love working with that race.”

Huffing for Stuffing is HRDC’s largest fundraiser, raising money for the Gallatin Valley Food Bank and the organization’s food and nutrition programs. Since its inception 17 years ago, they’ve raised over half a million dollars.

“We’re raising critical dollars that help keep people in our community fed,” Hamburg said.

For those who wish to get involved and support the cause, but aren’t able to or interested in racing, there are volunteer

PRIME NOVEMBER 2023 / 3 opportunities available as well.

“We rely very heavily on volunteers to get this race accomplished and get the dollars we need raised,” Hamburg said.

Harris said there are plenty of different ways to volunteer at the event from handing out shirts to helping provide food and liquids, and she herself typically needs over 20 people to assist her at the start of the race.

Interested individuals can learn more and sign up for volunteer roles or register for a race at their website: www.huffingforstuffing. com.

“It is such a fun morning because everyone there wants to do it and supports the food bank,” Harris said. It’s just a great thing to do before you have your big turkey dinner, raise money for those that don’t have the ability to provide.”

Bozeman Lions CLuB eye glasses collection box for prescription or non-prescription and dark glasses at The Bozeman senior Center, The Belgrade senior Center, The manhattan senior Center and The Three Rivers senior Citizens Club in Three Forks.

For more information, contact Richard Reiley at 406-388-7840 Visit us on the web at http://e-clubhouse.org/sites/bozemanmt

A Note from the Editor:

Do you know a senior who should be featured in a future edition of prime? Email your suggestions to Jennifer Verzuh at jennifer.verzuh@gmail.com Controlling the future............................................................4 Age-based financial goals to promote long-term security...................................................................6 Potential dangers of mixing herbal and prescription med..7 Dogwoods for fall color in the landscape..............................8 Olg guy pronouns.................................................................10 Can life insurance help provide retirement income?.............................................................12 Meal service in senior centers.....................................14-15 Bozeman Senior Center activities and fitness.................16

4 / NOVEMBER 2023 PRIME

CONTROLLING THE

FUTURE

By Marjorie Smith OLLI Volunteer

I

saw an intriguing article in the New York Times a few months ago. A reader had asked the Times’ ethics columnist to comment on her parents’ will that specified that their offspring would inherit nothing if they married someone who did not share the parents’ religious affiliation. Was controlling the behavior of their children in this manner ethical? Columnist Kwame Anthony Appiah said it was questionable.

This article reminded me of

my mother’s decisions when she drafted her will many years ago.

After our father died, my brother insisted—having had considerable success in his career—that she not include him in her financial distribution.

“Take care of the girls,” he told her.

My sister, one of those girls, lived across the state and was rarely available to contribute to our mother’s care as she aged.

I, however, had returned to settle permanently in Bozeman and thus became our mother’s caregiver, although—except for her last three or four years—that job mainly consisted of including

her in the camping and theater activities my friends and I enjoyed.

My mother’s will stated initially that my sister and I were to split any remaining cash and that I would get her house if I decided to live there. If I decided to sell, I would split the proceeds with my sister.

A few years later, my mother told me she’d changed her will.

“I have no right to try to control where you live when I’m gone,” she said. “You inherit the house whether you keep it or sell it.”

She realized how much I loved my funky old house and its

location in Bozeman’s “inner city.” Inheriting and selling her house allowed me to set up a small investment fund to live my best life in my retirement.

I sent the New York Times article to my friend, MSU Extension Family Economics Specialist Marsha Goetting, who, through her job over the past 40 years, has written thousands of words of advice on estate planning and conducted hundreds of workshops around the state.

I asked if the aspiration to manipulate the future behavior of one’s children was something she’d ever encountered.

Dr. Goetting says she calls wills

PRIME NOVEMBER 2023 / 5 Marjorie Smith Osher Lifelong Learning Institute “OLLI” at MSU http://www.montana.edu/olli/ Tele: 406-994-6550 MSU Academic Technology and Outreach 128 Barnard Hall • P O Box 173860 Montana State University Bozeman, MT 59717-3860

and trusts like the one described in the Times article “dead hand control,” or the desire to control an heir’s behavior from the grave.

She says she once heard of a grandfather who had a 90-page trust document that included provisions for which college his grandson was to attend, what grades he was to earn and a bonus if he majored in the same field as the grandfather had majored in.

Dr. Goetting also encountered another case where a parent left the ranch to the child who had worked it unless that person sold it. In this case, he was to divide the proceeds evenly with his three siblings who had never provided any work on the ranch and never intended to.

This “dead hand control” sometimes puts non-profits in an untenable position. For instance, say a person loves “traditional” opera and leaves their local opera company a primary bequest with the proviso that the company sticks to the productions it did in its early years, with lavish rented scenery and costumes, rather than moving with the times and trying new ideas. Should the opera company accept a request that limits them to the tastes of an audience member who is no longer there to hear the music?

One way in which people are currently controlling a bit of the future beyond their lifetimes is by putting their property into irrevocable land trusts to ensure

their land will continue to be used for agriculture or wildlife habitat so it won’t become part of the urban sprawl gobbling up much of our valley. Those who grew up in this valley tend to celebrate when we see one more farm that won’t be covered in homes, office buildings and concrete. However, there may be developers and government budget managers who shudder at the permanent loss of possible profits and tax revenue.

Most of us don’t have enough money or property to control other people’s behavior after we’re gone. But we can certainly get to work now to ensure that our heirs, friends and neighbors don’t have too much of a mess to clean up after us. Dr. Goetting has been doing her best to help with that through the free MontGuides (factsheets) and other publications she’s produced for the MSU Extension. You can find a list and print out Dr. Goetting’s estate-planning publications at https://www. montana.edu/estateplanning/ eppublications.html. If you don’t have a computer or printer, call 406-994-3511 to select financial management publications to be sent in the mail.

In the meantime, as a person able to give only a small amount of money to the many causes I care about, I try to prioritize and make annual contributions to the organizations I believe are

helping cultural organizations, the less fortunate, and my environmental causes thrive.

And I’m confident that if any of my tiny “fortune” survives me, my daughter will use whatever inheritance she receives to

support the causes we both care about. I’ve long warned her that my personal estate-planning goal is: The check to the undertaker bounces. But until then, I strive to be a self-supporting, contributing community member.

6 / NOVEMBER 2023 PRIME

Age-based financial goals to promote long-term security Metro Creative Connection

T

he importance of saving for retirement is emphasized from the moment young adults enter the professional arena.

Whether it’s parents urging their grown children to save or financial firms advertising their retirement planning services or employers sponsoring retirement investment vehicles, professionals need not look far to be reminded of the significance of saving for the day when they call it a career.

Despite the ubiquity of the message emphasizing the importance of saving for retirement, millions of people are behind in their retirement savings. A 2023 survey by the Healthcare of Ontario Pension Plan found that 44 percent of the 2,000 Canadian employees surveyed have not set aside any money for retirement in the past year, while 32 percent acknowledged they had not set aside any money for retirement.

The situation is similar in the United States, where a 2023 CNBC Your Money survey found that 56 percent of Americans feel they are not on track to retire comfortably.

Such figures can serve as a lesson for all professionals, but especially young adults who recently entered or are about to enter the professional arena.

Each individual is different, and those who aspire to retire early will need to save more at a younger age than those who plan to retire at age 70 or later.

In an effort to help individuals ensure they save enough to enjoy their golden years, the

financial experts at Fidelity® have designed an age-based system that can serve as a guideline for professionals who want to stay on track as they save for retirement. These figures are based on retiring at age 67 and are intended to ensure such individuals can maintain their preretirement lifestyles.

Individuals who want to retire before or after that age are urged to work with a financial advisor to meet their goals.

· Age 35: This approach calls for individuals to have 2x their salary saved by age 35.

· Age 30: Fidelity® recommends individuals have at least 1x their salary saved by age 30.

· Age 55: 7x your salary is the suggested savings benchmark to reach by age 55.

· Age 40: If retiring at 67 is the goal, having 3x your salary saved by age 40 can help make that a reality. · Age 45: 4x your salary should be saved by age 45 to retire comfortably at age 67. · Age 50: Fidelity® recommends individuals have 6x their salary saved by age 50.

· Age 60: Individuals who aspire to retire at 67 are urged to save 8x their salary by the time they reach age 60. · Age 67: When the day comes to retire at 67, Fidelity recommends individuals have 10x their salary saved.

These figures are just a benchmark and are not intended to take the place of professional financial advice. Though these goals can serve as motivation to save, individuals should know that savings goals can exceed these recommendations as well.

PRIME NOVEMBER 2023 / 7

Potential dangers of mixing herbal and prescription med Metro Creative Connection

M

edications improve the lives of billions of people across the globe every day.

Without access to medication, millions may die while countless others would experience a dramatic decline in their quality of life.

Though there’s no denying the positive effects of medication, the efficacy of herbal supplements and prescription drugs does not mean each are risk-free.

Risks may even be compounded when individuals take herbal supplements and prescription medications concurrently.

According to the Mayo Clinic, herbal supplements do not always interact well with prescription medications. For example, herbal supplements can interact with medicines utilized to treat issues affected the heart and blood vessels. That includes conditions like high blood pressure, which estimates from the World Health Organization indicate affects nearly 1.3 billion adults between the ages of 30 and 79.

Mixing medications has always been risky, but a growing reliance on herbal medicines has potentially elevated that risk.

That’s perhaps due to perceptions of herbal supplements as wholly natural, leading some to conclude that a substance that’s wholly natural cannot jeopardize the human body. However, an analysis published in the British Journal of Clinical Pharmacology detailed more than a dozen instances of adverse drug reactions affecting individuals who took herbal medicines alongside various

prescription medications. The medications taken, some of which were antidepressants, were prescribed to treat various conditions, including HIV, epilepsy and heart disease.

The potential dangers of mixing herbal and prescription medications underscore the need to engage in honest and open discussions with a physician before taking any herbal or prescription medications. Individuals currently taking a prescription medication should consult with their physician before taking any herbal supplements, while those who take herbal medicines and supplements should bring that up with their physicians if they are prescribed a new medication.

What are some symptoms of herbal and prescription interactions?

The Mayo Clinic notes that a fast heartbeat and changes in blood pressure are two indicators of drug interactions. But many additional side effects can indicate a potentially dangerous or unhealthy interaction is taking place. For example, the U.S. Food and Drug Administration notes that increased dryness or irritation of skin when taking more than one topical acne drug at the same time indicates an unhealthy interaction is taking place.

Herbal and prescription medication interactions can be dangerous. Individuals are urged to contact their physicians before combining medications and to bring up their existing medication regimen whenever they are issued a new prescription.

INDEPENDENT LIVING | ASSISTED LIVING | RESPITE CARE Bozeman Health Hillcrest Senior Living sits atop Burke Park/Peets Hill, giving our residents beautiful views of Bozeman and easy access to outdoor spaces and trails. Bozeman Health Deaconess Regional Medical Center is also just down the street. Call today to schedule your tour and meet our team and residents. See why we call ourselves family here at Hillcrest Senior Living.

406-414-2008 HILLCRESTLIVINGBOZEMAN.COM

8 / NOVEMBER 2023 PRIME

DOGWOODS for Fall Color in the Landscape Jan Cashman

has operated Cashman Nursery in Bozeman with her husband, Jerry, since 1975.

By Jan Cashman

T

his year we had a beautiful, long fall.

The first freeze at our house was as late as I can ever remember, October 14.

The fall leaves have been beautiful.

Quaking aspens, maples and birch all have stunningly colorful leaves that have stayed on the trees, not fallen off prematurely. The leaves of the shrubs around the valley are colorful too. Cotoneaster and burning bush (Euonymus) are two shrubs that have bright red, hot pink, gold and orange leaves. But let’s not forget about dogwoods. For many reasons, they are a great shrub for us here in the Gallatin Valley.

First of all, dogwood shrubs are very hardy; some are native to our area.

They thrive in either sun or shade.

If you have a spot in your yard that stays wet, either a low spot near a creek or near sprinklers, dogwoods will do well there. In other words, dogwoods are easy to grow. They give our yards four seasons of interest from

pretty white flowers in late spring, to green leaves all summer, colorful red, orange and golden leaves in the fall and bright red twigs that stand out against the snow all winter.

Variegated leaved dogwoods like Ivory Halo are our most popular dogwoods because of their green and white leaves.

Not all dogwoods grow well here.

If you come from a warmer climate than ours, you are probably familiar with dogwood trees that have pretty white, pink or red flowers in the spring. These dogwood trees are not suited to our climate—not hardy enough to withstand our winters.

Pagoda dogwood is a small tree or tall shrub with an interesting horizontal branching habit and bright red fall color. It is native to places like Northern Minnesota, but is marginally hardy here due to our dry air and

PRIME NOVEMBER 2023 / 9

My husband Jerry’s favorite dogwood is Arctic Fire because it has the brightest red stems, strong branches and stays compact. This non-suckering, hardy shrub grows to only 3 to 4 feet so it is easier to use in your landscape design than

Species

Size

Fall Color

Other

Bud’s Yellow

alba Bud’s Yellow

6-8 feet by 5-6 feet

Yellow

Superior to Yellow Twig

Ivory Halo

alba Bailhalo

Insignifcant

Variegated leaf

Red Twig

sericea Coloradoensis

8-10 feet by 8-10 feet

Red-purple

Natve selected from Colorado

Fire Dance

sericea Bailadeline

3-4 feet by 4-5 feet

Red-purple

Improved Isant

Isant

sericea Isant

5-6 feet by 8-10 feet

Red-purple

Excellent mid-size shrub

Arctc Fire

stolonifera Farrow

3-4 by 3-4 feet

Red-purple

Non-suckering.

Improvement

Favorite Dogwoods (Genus Cornus) for the Bozeman area the bigger species that grow up to 8 feet tall. Plant one or more and remember to harvest a few

of their red stems to use in your Christmas arrangements.

You can see from the chart

that there are many varieties of dogwood shrubs that grow well here.

For all Your Fall G a r d e n i nG needs.

BulBs - Perennials Winter Protection!

North 19th at Springhill Road CashmanNursery.com MON-SAT 8:30AM - 5:30pM SUN 10AM - 4pM 406-587-3406

25737-1

alkaline soils.

Common Name

10 / NOVEMBER 2023 PRIME

Old Guy

PRONOUNS

By Jim Drummond

O

ne of the regulars wandered into the old guy waterhole this week and sat part way down the table.

He uttered a painful groan as he settled into his seat. One of the fellows asked him if his joints were stiff.

The latecomer responded, “They feel pretty good today.

I’ve just decided to moan and groan whenever I sit or stand, regardless of whether something hurts or not. Consistently expressing pain assures that any potential aches are verbalized as I move about.”

needed to leave, then wandered toward the exit.

with? It looked like he was by himself.”

The moaner looked after our departing friend and inquired, “Where’s he going?”

Somebody else replied, “They are alone. It doesn’t take two to get a haircut.”

Somebody down the table replied, “They are going to get a haircut.”

Another fellow stood up from the table, commented that he

The first fellow squinted at the doorway, then asked, “Who’s he

The newcomer peered around the table, then finally questioned, “Why did you say ‘they’ when it’s just him. ‘They’ is plural, meaning two or more.”

PRIME NOVEMBER 2023 / 11 Jim Drummond is a retired banker and Bozeman native.

Another old guy responded, “It’s polite to say ‘they’ instead of ‘he’ or ‘she’. That way we don’t regard someone as one gender or another based upon appearance. If we choose, we can voluntarily designate ourselves as he/him, but ‘they’ is a better risk-free descriptive. I learned that from my daughter last week.”

Our perplexed friend rubbed his chin for a few moments, then commented, “So, the word ‘they’ is very similar to the word ‘we,’ isn’t it? Both words can be singular or plural.”

With that statement, the rest of the group looked at each other with bewildered expressions.

Someone inquired, “Explain how ‘they’ is similar to ‘we?’”

Our cerebral friend responded, “When a wife wants a project completed, she uses the term ‘we.’ Normally ‘we’ is plural, meaning two or more individuals.

But when a wife says ‘we should clean the garage,’ ‘we should fix the deck rail’ or ‘we should mow the lawn’, then ‘we’ is no longer plural. A wife is really saying, ’you’ should clean the garage,’ or ‘you should repair the deck rail,’ or ‘you should mow the lawn.’ ‘We’ means ‘you’ in wifespeak and becomes singular, not plural.”

The enlightened member of the

group interjected, “My daughter also says that it’s contemporary to call a fellow, ‘y’all,’ ‘friend’ or ‘earthling.’ She suggested that ‘guys,’ ‘dude’ and ‘gents’ will disappear from Websters over time.”

Someone near the middle of the table inquired, “When I walk into a gym or the barbershop, another fellow will sometimes say, ‘hey man’ or ‘good to see you bro.’ Should those salutations change?”

One of the fellows responded, “It’s probably best to say ‘hey comrade’ or ‘good to see you sibling.’”

Someone else interjected, “I suppose John Wayne was ahead of his time. He called everyone pilgrim.”

why you go to all the work of keeping that worthless claim alive.”

Bozeman

Belgrade

The old prospector replied, “I’m positive that there’s gold in them/their hills.”

Livingston

A fellow at the end of the table commented, “I hope that Heidi, our waitress, will still call us ‘honey,’ ‘sweetie’ or ‘darling.’”

Another old guy responded, “She might have to stop. But, I’ve often heard her call you ‘cheapskate’ behind your back.

That’s clearly unbiased.”

One of the fellows who owns a small mining claim stood up to leave. Someone asked him where he was headed.

The gent responded, “I’m going to shovel a few buckets of gravel to see if I can find some color.”

His friend at the end of the table commented, “I don’t know

Offering surgical and medical eye care solutions from a team of LOCAL specialists committed to providing exceptional care in the communities where we work and live.

Cataract

LASIK

Glaucoma Dry Eye

MedicalEyeBozeman.com (406) 587-1245

New state-of-the-art facility projected open date January 2024!

352893-1

12 / NOVEMBER 2023 PRIME

FINANCIAL FOCUS®

Can life insurance help provide retirement income?

PRIME NOVEMBER 2023 / 13 Nathan M. Kirby Edward Jones Financial Advisor

I

f your children are grown and your mortgage is paid off, do you still need to carry life insurance? It depends on your situation, but for many people, a cash-value life insurance policy, such as whole life or universal life, can be a valuable, taxefficient source of retirement income.

And by drawing on the cash value of your policy, you might be able to temporarily reduce the amount you take out from your retirement accounts, such as your IRA and 401(k). This ability could be especially important when the financial markets are down — you’d probably like to avoid liquidating your assets when their prices have dropped.

Basically, you can use the cash in your policy in these ways: • Withdrawals – You can typically withdraw part of the cash value of your life insurance without losing coverage. You generally won’t incur income taxes on these withdrawals, up to the amount you’ve put into the policy — that is, the premiums you’ve paid.

Once your withdrawals exceed this amount, you would generally owe taxes. Also, keep in mind that any withdrawals will reduce your policy’s death benefit and the available cash surrender value.

• Policy loans – Rather than taking a withdrawal from your policy, you could take out a loan.

You won’t have to go through

an approval process or income verification, and policy loans typically have lower interest rates than bank loans and don’t assess closing costs. Plus, because your insurer will be lending you the money and using the cash in your policy as collateral, your policy’s cash value can remain intact and still potentially grow.

However, policy loans do carry some issues of which you should be aware. For one thing, while a loan usually isn’t taxable, you could end up owing taxes on any unpaid loan balance, including interest. And if this balance exceeds the policy’s cash value, it could cause your policy to lapse.

Also, outstanding loans can reduce your death benefit.

• Cashing out – If you cash out, or “surrender,” your policy, you can receive the entire cash value, plus any accrued interest. You will have to subtract any money needed to pay policy loans, along with unpaid premiums and surrender fees, which can be significant. Also, any amount you receive over the policy’s cash basis — the total of premiums you’ve paid — will be taxed as regular income.

• 1035 Exchange – Through what’s known as a Section 1035 Exchange, you can transfer your life insurance policy to an annuity, which can be structured to pay you a lifetime income stream. The exchange won’t be taxable but surrender charges may still apply.

Given the potential tax implications of the above options, you may want to consult with your tax advisor before making any moves. Also, be sure you are comfortable with a reduced or eliminated death benefit. Specifically, you’ll want to be confident that your spouse

or other family members don’t need the proceeds of your policy. This may require some discussions about your loved ones’ plans and needs. And don’t forget that life insurance can help your family pay for final expenses, such as funeral costs and unpaid medical bills.

Whether it’s providing you with needed retirement income or helping your family meet future needs, your cash value life insurance policy is a valuable asset — so try to put it to the best

use possible.

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor.

Edward Jones, its employees and financial advisors cannot provide tax or legal advice. You should consult your attorney or qual fied tax advisor regarding your situation.

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor.

Edward Jones, Member SIPC. > edwardjones.com | Member SIPC

We Wecan canhelp helpyou you prioritize prioritizeyour your goals. goals.

Together, let’s create an investment strategy that works for you. Contact us for a complimentary Together, let's create an investment portfolio review. strategy that works for you. Contact

us for a complimentary portfolio review.

Nathan M Kirby, CFP®

Financial Advisor 424 E Main St #202-C Bozeman, MT 59715 406-585-1141 FAP-1966G-A

434114-1

14 / NOVEMBER 2023 PRIME

Meal Service in Senior Centers: Belgrade MENU Belgrade Senior Center will be opening soon. Please go to our website at belgradeseniorcenter.com for updates as they become available.

92 E Cameron Ave, Belgrade, MT • (406) 388-4711 • Call in to order to go meals by 10:00 a.m. the day before! Menu subject to change without notice!

NOV. 1 NOV. 2 NOV. 3 NOV. 6 NOV. 7 NOV. 8 NOV. 9 NOV. 10 NOV. 13 NOV. 14 NOV. 15 NOV. 16 NOV. 17 NOV. 20 NOV. 21 NOV. 22 NOV. 23 NOV. 24 NOV. 27 NOV. 28 NOV. 29 NOV. 30

Salad, Fried Chicken, Cheesy Grits, Vegetables, Fruit Potato Salad, BBQ Ribs, Baked Beans, Vegetables, Dessert Salad, Reuben Sandwich, Vegetables, Fruit Salad, Pulled Pork Sandwich, Vegetables, Fruit Salad, Sweet & Sour Meatballs, Rice, Vegetables, Dessert Salad, Chicken Enchiladas, Black Beans, Fruit Fruit Salad, Huckleberry Pancakes, Bacon, Scrambled Eggs Meals on Wheels: Breakfast Sandwich Salad, Chicken Fried Steak Potatoes, Vegetables, Fruit Salad, Mexican Beef & Rice Casserole, Vegetables, Fruit Salad, Tuna Biscuit Bake, Vegetables, Dessert BIRTHDAY LUNCH - Salad, Meat Loaf, Potatoes, Vegetables, Cake & Ice Cream Salad, Spaghetti & Meatballs, Vegetables, Dessert Salad, Chicken Pot Pie, Fruit THANKSGIVING DINNER And all the fixings!

Salad, Pork Chops, Potatoes, Vegetables, Dessert Salad, Philly Cheese Steak, Sandwich, Vegetables, Fruit CLOSED FOR THANKSGIVING CLOSED FOR THANKSGIVING Salad, Shepherd’s Pie, Fruit Salad, Scalloped Potatoes & Ham, Vegetables, Dessert Salad, Tater Tot Casserole, Vegetables, Fruit BREAKFAST CLUB - Salad Bar, Chicken and Dumplings, Dessert Meals on Wheels Delivery: Monday – Friday. Call to find out how to qualify for this program.

EXERCISE: FULL BODY WORKOUT: 9 a.m. Monday & Friday 9:30 a.m. Tuesday & Thursday LINE DANCING: 10:15 a.m. Monday BALL ROOM DANCING: 8:30 a.m. Tuesday YOGA: 9 a.m. Wednesday ZUMBA: 1 p.m. Wednesday SOCIAL ACTIVITIES: ARTS & CRAFTS:

12:45 p.m. Monday

PINOCHLE:

12:30 p.m. Monday

UKULELE CLASS: 10:45 a.m. Tuesday BINGO

10:30 a.m. Wednesday

SING ALONG

12:45 p.m. Thursday

NEEDLEAIRES:

9:30 a.m. Friday

Nov. 3: Nov. 15: Nov. 20: Nov. 23-24: Nov. 30:

Fireside Book Club 1:00 pm November Birthday Lunch/Blood Pressure Check 12 p.m.

Thanksgiving Dinner at 12:00 (Call by Nov. 13 to sign up) Closed for Thanksgiving Breakfast Club 7 to 8:30 p.m.

Check our website for updated information.

Center meals: Monday-Friday 12:00 p.m. - Call before 10:00 a.m. to sign up

Manhattan Senior Center MENU 102 East Main St., Manhattan, MT • (406) 284-6501 NOV. 1 NOV. 2 NOV. 7 NOV. 8 NOV. 9

Minestrone Soup, 1/2 Ham & Cheese Sandwich, Cauliflower Casserole, Surprise Dessert Salisbury Steak, Mashed Potatoes with Gravy, Cooked Veggie, Pears with Cheese, Cookie ELECTION DAY - Pulled Pork Sandwich, Cole Slaw, Onion Rings, Jello 3 Chicken Noodle Soup, 1/2 Grilled Cheese, Veggie Sticks, Fudge Brownie VETERANS DINNER - Cheeseburger Sliders, French Fries, Baked Beans, M&M Chocolate Chip Cookie NOV. 14 Chicken Broccoli Casserole, Roll with Butter, Green Salad, Banana Bread NOV. 15 Biscuits & Gravy, Scrambled Egg, Fresh Fruit, Cherry Coffee Cake

Suggested Donation: $5.00 - Over 60 • $7.00 Under 60.

Menu Options are subject to change without notice. * Please call (406) 284-6501 by 1 p.m. the day before and leave a message for reservations and/or delivery. **Meals on Wheels will be delivered between 11:00 a.m.- 12:00 p.m. ** We will celebrate birthdays on the last Thursday of the each month. All meals and activities are open to the public.

Manhattan Senior Center is open for dining in. Come and join us -- dinner is served at 12 p.m.

NOV. 16 THANKSGIVING DINNER - Turkey Rioll Up with Dressing, Mashed Potatoes with Gravy, Candied Yams, Green Beans, Pie NOV. 21 Fish Sticks, Cole Slaw, Potato Chips, Jello NOV. 22 Veggie Cheese Soup, 1/2 Tuna Sandwich, Waldorf Salad, Cookie NOV. 23 THANKSGIVING DAY - *No Meals* NOV. 28 Spaghetti with Meatballs, Garlic Toast, Cucumber Salad, Pudding NOV. 29 French Toast Sticks, Sausage Links, Fruit Cocktail, Lemon Poppy Seed Muffin NOV. 30 BIRTHDAY DINNER- Shepherd’s Pie (Beef, Veggie, Mashed Potatoes), 3 Bean Salad, Cake

PRIME NOVEMBER 2023 / 15

Bozeman MENU

807 North Tracy • (406) 586-2421 • www.bozemanseniorcenter.org Shannon Bondy, shannon@bozemanseniorcenter.org (Executive Director) Kristi Wetsch, krisi@bozemanseniorcenter.org (Director Program & Marketing) This menu is subject to change due to the availability of food.

You must call us at 586-2421 by 1:00 p.m. the day before or earlier to make a reservation.

Meals are served at noon.

The cost of the meal is a suggested donation of $5 for people 60 and over and $7 for people under 60 (this is not a suggestion donation).

NOV. 1 NOV. 2 NOV. 3 NOV. 6 NOV. 7 NOV. 8 NOV. 9 NOV. 10 NOV. 13 NOV. 14 NOV. 15 NOV. 16 NOV. 17 NOV. 20 NOV. 21 NOV. 22 NOV. 23 NOV. 24 NOV. 27 NOV. 28 NOV. 29 NOV. 30

Green Salad, Clam Chowder, Green Beans, Roll Fruit, Jambalaya, Corn, Garlic Bread Holiday Kick Off Fundraiser – Beef Stew, Vegetable Barley Soup, Ham and Swiss Sandwich, Chips, Cookie. This is all ala carte.

Coleslaw, Cod with Tartar Sauce, Rice, Green Beans Broccoli Salad, Tuna Casserole, Carrots, Roll Fruit, Greens & Feta Quiche, Vegetables, Breakfast Potatoes Green Salad, Cup of Broccoli/Cheddar Soup, Ham and Cheese Sandwich, Crackers Veteran’s Day – Veterans eat free – Caesar Salad, Roast Beef, Mashed Potatoes and Gravy, Carrots, Roll, Sundae Bar Sponsored by Patriot Guards Green Salad, French Dip with Au Jus, Roasted Potatoes, Broccoli Coleslaw, Chicken Quesadilla, Guacamole, Black Beans Corn Salad, Split Pea & Ham Soup, Pulled Pork Sandwich, Carrots Thanksgiving Lunch – Sweet Potato Salad, Turkey, Mashed Potatoes and Gravy, Green Beans, Pumpkin Pie Green Salad, Stuffed Green Peppers, Corn, Garlic Bread Green Salad, Lemon Pepper Tilapia, Brown & Wild Rice, Mixed Vegetables, Dinner Roll Fruit, Pork Chops, Baked Potato, Cheesy Broccoli, Garlic Bread Pea Salad, Meatloaf, Mashed Potatoes and Gravy, Green Beans Closed for Thanksgiving Closed for Thanksgiving Fruit Salad, Pepperoni Pizza, Peppers & Onions, Bread Sticks Green Salad, Shrimp Scampi, Carrots, Garlic Bread Cucumber Salad, Baked Chicken, Baked Potato, Green Beans, Roll Green Salad, Hamburger Steak, Mashed Potato and Gravy, Baby Carrots with Ranch

Allergy statement for all Meals-On-Wheels foods: Menu items may contain or come into contact with WHEAT, EGGS, PEANUTS, TREE NUTS, FISH, SHELLFISH, SOYBEANS, and MILK. Meals are now being served at the Bozeman Senior Center.

West Yellowstone Senior Center MENU NOV. 1 NOV. 3 NOV. 8 NOV. 10 NOV. 15 NOV. 17 NOV. 22 NOV. 24 NOV. 29

Green Salad, Chicken Tenders, French Fries, Carrots, Cake Green Salad, Cheeseburger Casserole, California Blend Vegetables, Soup, Brownie Green Salad, Baked Ziti, Italian Vegetables, Garlic Bread, Cake Green Salad Chicken Fajitas, Vegetables, Refried Beans, Soup, Brownie Green Salad, Beef Stroganoff, Green Beans, Cake Green Salad, Baked Ham, Chef Blend Vegetables, Baked Potato, Soup, Brownie Closed for Thanksgiving Closed for Thanksgiving Green Salad, Lasagna, Chefs Blend Vegetables, Garlic Toast, Cake

• The Bozeman Senior Center will be closed on November 23 and 24 in observance of Thanksgiving.

• Board meeting is held on the third Friday of each month at 10 a.m.

• Bozeman Senior Center’s Second Hand Rose is open Monday through Friday 9 a.m. to 3 p.m.

• The Bookstore is open Monday through Friday 9 a.m. to 3 p.m.

• The Christmas Store will open Oct. 23 from 10 a.m. to 2 p.m. Monday through Friday until Dec. 15.

• Second Hand Rose accepts donations on Tuesdays, Wednesdays and Thursdays from 10 a.m. to 2 p.m.

• Christmas Store donations are accepted anytime during business hours.

• These dates and times are subject to change dependent upon volunteer and staff availability.

Please call 586-2421 to be sure before you shop or bring donations!

BOZEMAN SENIOR CENTER TRAVEL DEPARTMENT Judy Morrill, Travel Coordinator • 1 (406) 586-2421 Office Hours: Mondays and Wednesdays, 10:00 to noon.

All the other trips are full.

SPOTLIGHT ON NEW YORK CITY, JULY 2024 Spend 4 nights at the Sheraton New York, Times Square. Highlights of the trip include seeing two Broadway shows and visiting Greenwich Village, the Statue of Liberty, Ellis Island and the 9/11 Memorial and Museum.

These are your travel choices for 2024. Get signed up soon as the trips fill very fast. Call or stop by the Center Monday or Wednesday from 10 a.m. to noon, and staff will be happy to answer any questions you may have.

ACTIVITIES (YOU MUST BE A MEMBER TO ATTEND)

NOV. 7 – FOOT CLINIC Guests must make an appointment, cost is $20.00.

You do not have to be a member.

NOV. 15 AT 10:30 A.M. – DR. SKENAZY The title of the discussion will be Urinary Issues in Male and Female Seniors. This discussion will include the topics of BPH (enlarged prostate), overactive bladder, and incontinence.

More Activities to come.

Three Forks Senior Center MENU 19 East Cedar St., Three Forks, MT • 285-3235 • Director: Jean Farnam • 570-0800 NOV. 1 Green Salad, Lasagna, Jell-O with Fruit, Corn NOV. 2 Green Salad, Potato Soup, Tuna Sandwich, Chips NOV. 7 Pickled Beets, Ham, Green Beans, Macaroni and Cheese NOV. 8 Coleslaw, Cod, Baked Potato, Mixed Vegetables NOV. 9 Applesauce, Pot Roast, Mashed Potatoes, Carrots NOV. 14 Green Salad, Tuna Casserole, Broccoli NOV. 15 Green Salad, Chili, Baked Potato NOV. 16 3 Bean Salad, Tater Tot Casserole, Fruit

NOV. 21 Applesauce, Pork Chop, Hash Browns, Peas NOV. 22 Green Salad, Chili, Baked Potato NOV. 23 Closed for Thanksgiving NOV. 28 Green Salad, Stroganoff, Spinach, Jell-O NOV. 29 Green Salad, Hot Pork Sandwich, Sweet Potatoes, Corn NOV. 30 Cottage Cheese, Enchilada, Refried Beans, California Vegetable Blend

MENUS ARE SUBJECT TO CHANGE DUE TO AVAILABILITY OF FOOD

16 / NOVEMBER 2023 PRIME

Bozeman Senior Center Fitness Classes ALL EXERCISE CLASSES ARE HELD IN THE FITNESS ROOM WITH THE EXCEPTION OF LINE DANCING (Dining Room) and CORE CLASSES (downstairs meeting room) NEW CLASS! Morning Motivator coming Friday, Nov. 3. This class will be offered Friday mornings at 9:30 am. You can choose a chair or practice on the floor!! It will include stretching/Yoga, breathwork and meditation. The class will start with deep breathing to relax, then easy stretching and Yoga. After energizing our bodies we will move into 7 to 15 minutes of meditation! You don’t want to miss out on this opportunity taught by Skye Raiser!

STRONG PEOPLE (TUESDAYS, THURSDAYS AT 1 P.M.) Strength building class focuses on increasing bone density and muscle mass. Class follows accepted protocol for people with bone loss. Participants work at their own level increasing weights as they build strength.

Each class also includes exercises to strengthen the core and finishes with stretching. All are welcome and weights are provided.

STRENGTH TRAINING (MONDAYS, WEDNESDAYS AND FRIDAYS AT 8:30 A.M. AND 10:30 A.M.; CIRCUIT STRENGTH IS ONLY OFFERED ON MONDAYS AND WEDNESDAYS) A great class for men and women looking to increase muscle mass and overall body strength. Body weight, dumbbells, leg weights and bands are all incorporated into a full body workout. Strength training doesn’t have to be intimidating; drop in for a class and see how much fun you can have getting stronger. Just bring a water bottle.

POWER CORE (MONDAYS, WEDNESDAYS AT 9:30 A.M.) This is a more challenging core workout that lasts about 45 minutes.

Focus is on all core muscles, which helps with activities of daily living including balance. Lots of floor work is involved.

STRENGTH CIRCUIT TRAINING (MONDAYS, WEDNESDAYS AT 10:35 A.M.) Similar to Strength Training, but with a circuit format where participants will move from station to station to focus on different moves for different muscle groups.

POWER YOGA (TUESDAYS, THURSDAYS AT 8:30 A.M.) This is a Slow Yoga Flow course with modifications for those who need it.

AEROBICS (MONDAYS, WEDNESDAYS AT 9:30 A.M.) This is a full hour’s workout.

Participants do 35 minutes of cardio (which can vary in intensity depending on one’s own ability). After that, there will be 10 minutes of targeted weight lifting and 15 minutes of stretching.

Come join this dynamic workout!

CORE ON THE FLOOR (MONDAYS, WEDNESDAYS AT 10:35 A.M.) Pilates inspired. Gentle mat work and stretching.

BALANCE (MONDAYS, WEDNESDAYS AT 1 P.M.) Balance focuses on strength and flexibility to gain and improve good posture and balance.

YOGA (MONDAYS, WEDNESDAYS AT 1:35 P.M.) This course is based on classic Hatha Yoga poses and appropriate for all levels. The focus is on physical, mental and spiritual balance as the class practices poses that challenge and enhance posture and balance, strength and flexibility.

BEGINNING LINE DANCING (TUESDAYS, THURSDAYS AT 10 A.M. TO 10:45 A.M.)

Beginning line dancing is a fun form of exercise with physical, mental, emotional and social benefits. Learn and practice common line dance steps. Then dance to a variety of music including rock, Latin, country and waltz. Beginners who have no prior dance experience of any kind are encouraged to arrive 15 minutes early on their first day for some preinstruction.

INTERMEDIATE/ADVANCED LINE DANCING (TUESDAYS, THURSDAYS AT 10:45 A.M. TO 11:30 A.M.) More complex and challenging dances will be taught and danced.

Experienced dancers are invited to participate in this class.

INTERMEDIATE/ ADVANCED LINE DANCING (FRIDAYS AT 10 A.M TO 11:30 A.M.)

More complex and challenging dances will be taught and danced.

Experienced dancers are invited to participate in this class.

ENLIGHTENMENT TAI CHI FORM (TUESDAYS AND THURSDAYS AT 11 A.M.) Tai Chi is a graceful form of exercise characterized by slow, methodical, gentle movements and deep breathing exercises that are low impact, relaxing and somewhat aerobic. People of almost any age and fitness level can participate. In this class you will be learning the Enlightenment Tai Chi Form, some other easy short forms, warm-up and deep breathing exercises, and Tai Chi positions. Tai Chi can be a positive part of an overall approach to improving and maintaining your health.