Prime January 2019

JANUARY

2019

A MAGAZINE FOR MATURE ADULTS

2

FIRST-RATE TREASURES AT THE SECONDHAND ROSE: VOLUNTEERS KEEP SENIOR CENTER THRIFT STORE HUMMING ALONG ALL WEEK

7

11 GARDENING RESOLUTIONS FOR 2019

8

INTERNATIONAL DELIGHT: PLAN NOW SO YOU CAN HAVE THE MOST FUN ON YOUR ADVENTURE IN ANOTHER COUNTRY A S P E C I A L P U B L I C AT I O N T H E B O Z E M A N D A I LY C H R O N I C L E

2 I January 2019 PRIME

A note from the editor Do you know a senior who should be featured in a future edition of Prime? Email your suggestions to Hannah Stiff at hstiff@dailychronicle.com.

First-rate Treasures at the Secondhand Rose: Volunteers keep senior center thrift store humming along all week ......................2 Consider Some New Year’s Financial Resolutions ............................................................................5 11 Gardening Resolutions For 2019 ..................................................6 A Visit to the Dentist ..............................................................................7 International Delight: Plan Now So You Can Have the Most Fun on Your Adventure in Another Country ....................................8 Senior Citizen Center Calendars .........................................................9

FIRST-RATE TREASURES AT THE SECONDHAND ROSE

StIll ConfuSed about MedICare?

Call andrea JoneS

VOLUNTEERS KEEP SENIOR CENTER THRIFT STORE HUMMING ALONG ALL WEEK

Senior Health Insurance Agent

By Hannah Stiff

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Medicare Advantage Plans, Medicare Supplements, Drug Plans.

F

or some, it’s the best kept secret in Bozeman.

Others know the basement store as their one-stopshop for quality clothes, crafting supplies and home goods. Regardless of which camp you fall, there is a squad of committed volunteers who have been keeping the Bozeman Senior Center’s Secondhand Rose Thrift Store humming along for decades.

I represent multiple carriers to help find the plan that best fits YOUR needs.

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PRIME January 2019 I 3

One of those volunteers is Liz Thompson, who has

been running the beloved store for 19 years. On any

given weekday, Thompson can be found organizing

other volunteers, manning the checkout desk, tidying the greeting card section or telling stories with other

volunteers and senior center visitors. Thompson is also the craft expert. With a large selection of yarn, fabrics, buttons and more, craft enthusiasts flock to the thrift store for unbeatable prices and Thompson’s advice.

When she’s not busy at the thrift store, Thompson is an avid knitter and crocheter.

Thompson isn’t alone in her work at the senior cen-

ter. Her husband John also volunteers, often taking on

jobs no one else wants.

“It gives us something to do,” Thompson explains.

“We enjoy it.”

While Thompson makes sure the front of the store

looks organized and welcoming, Phyllis Schultz is in

the back, sifting through donations. Schultz has been

volunteering at Secondhand Rose for 20 years. And

though she doesn’t make an hourly wage, Schultz says there are plenty of benefits of the job.

“People stick their nose in all the time and say thank

you,” Schultz says. “I’d be twiddling my thumbs if I wasn’t here.”

Schultz says each day brings its own sense of adven-

ture, because she never knows what she will find in the daily donations. One of the most hilarious donations

was a man’s dress jacket. Inside the pocket was a flier for church and a bottle of Jim Beam, with just a few fingers left.

Along with abundant laughter, running the thrift

store brings both Schultz and Thompson a sense of

purpose. It’s the camaraderie among the volunteers and patrons that keeps them coming back each day. Just

ask Thelma Milley, a volunteer serving her 10th year at the Secondhand Rose. After her husband died, Milley

added a second weekly shift at the store.

Continued on page 4 >>

4 I January 2019 PRIME

“I was so lonesome,” she explains. “I needed it.”

Now Milley says she enjoys seeing her friends come in to the store, find some-

thing they love and then show it off to her when they see her again at church on

Sunday.

For Thompson, the manager of the fleet, the job is the perfect mix of just what

she needs each day.

“When you get up in the morning, you say, ‘Oh, I have something to do today,”

Thompson says. “And then you get home and think, ‘I’m so tired today.’”

Shannon Bondy, Executive Director at the Bozeman Senior Center, says the

Secondhand Rose volunteers are truly invaluable.

“I cannot tell you how hard they work,” Bondy says. “We have stuff that comes

in here everyday. They haul all of those boxes, up and down stairs, they sort and price and go through things they can’t sell.”

Proceeds from the Secondhand Rose help keep the Senior Center doors open.

“That’s the cool thing also about the store,” Bondy says. “It’s the number one

sustaining fundraiser we have for the programs and services here. It’s a huge part

of the senior center and it gives the volunteers a sense of community and it gives them an opportunity to give back.”

The Secondhand Rose is open Monday-Friday, from 10 a.m. - 2 p.m. And if

you ask the volunteers who run the place, the prices are the best in town. But you’ll have to see for yourself.

PRIME January 2019 I 5

CONSIDER SOME NEW YEAR’S FINANCIAL RESOLUTIONS

By Edward Jones

A

s the year winds down, you may want to look ahead to see which areas of your life you can improve in 2019. Perhaps you’ll decide to exercise more, eat healthier foods, reconnect with old friends or volunteer at a school or charitable organization. All these goals are certainly worthwhile – but you also may want to add some New Year’s financial resolutions to your list.

Here are a few ideas to consider: • Boost contributions to your employersponsored retirement plan. Good news!

Contribution limits will be increasing for many employer-sponsored retirement plans.

For 2019, you can contribute up to $19,000 (up from $18,500 in 2018), or $25,000 (up from $24,500 in 2018) if you’re 50 or older to your 401(k) or similar employer-sponsored retirement plan. It’s usually a good idea to contribute as much as you can afford to your employer’s plan, as your contributions may lower your taxable income, while any earnings growth is tax-deferred. (Keep in mind that

taxes are due upon withdrawal, and withdrawals prior to age 59 ½ may be subject to a 10% IRS penalty.)

At a minimum, put in enough to earn your employer’s matching contribution, if one is offered.

• Try to “max out” on your IRA. Even if you have a 401(k) or similar plan, you can probably still invest in an IRA. For 2019, you can put in up to $6,000 in a traditional or Roth IRA (up from $5,500 in 2018), or $7,000 (up from $6,500) if you’re 50 or older. (Income restrictions apply to Roth IRAs.) Contributions to a traditional IRA may be tax-deductible, depending on your income, and any earnings growth is tax-deferred. Roth IRA contributions are not deductible, but earnings growth can be withdrawn tax-free, provided you don’t start taking withdrawals until you are 59 ½ and you’ve had your account at least five years.

You can put most types of investments – stocks, bonds, mutual funds, government securities and so on – into an IRA, so it can expand your options beyond those offered in your 401(k) or similar plan.

• Build an emergency fund. Try to build an emergency fund containing

three to six months’ worth of living expenses, with the money held in a low-risk, liquid account. This fund can help you avoid dipping in to your long-term investments to pay for unexpected costs, such as a major car repair.

• Control your debts. Do what you can to keep your debts under control. Ultimately, the less you have to spend on debt payments, the more you can invest for your future.

usually futile – trying to forecast the market’s performance over the course of an entire year. But, in any case, try not to overreact to whatever ups and downs we may experience.

Instead, continue pursuing an investment strategy that’s appropriate for your goals, risk tolerance and time horizon.

Following these suggestions can help you become a better investor in 2019 – and beyond.

• Don’t overreact to f inancial market volatility. In 2018 – especially the last few months of the year – we saw considerable market volatility, with huge drops and big gains in rapid succession. What will 2019 bring? It’s always difficult – and

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6 I January 2019 PRIME

A VISIT TO THE DENTIST

By Lois Stephens

O

ccasionally a few childhood memories remind me that the good old days weren’t necessarily all that good. Dentistry comes to mind here, and how a visit to the dentist has greatly changed for the better over the course of the last fifty years.

As a child, when my mother made a dental appointment for me, this meant a date with doom. The dreaded event would lurk on the horizon and when the dire day arrived, all other activities palled with the thought of the looming meeting with the man holding weapons of torture.

Remember the high-speed drill, the one that tore into one’s decayed tooth with great glee? It sounded like an extremely ill-natured, voracious giant mosquito out to extract every ounce of blood and with the express intent of inflicting great pain in the process.

After the furious mosquito had caused as much emotional turmoil and distress as possible, the dentist exchanged that bad boy with the slower drill. This one sounding like an irritated bumblebee that dug into the tooth, shredding nerves and scattering enamel along the way. This drill didn’t hurt quite so much as the high speed one, but it still caused

pain, heated up the tooth and produced extreme discomfort for the poor victim sitting in the dentist chair. The combination of the drill, the pain, the stench of a hot tooth, and the noise of the disgruntled bumblebee working away in my mouth did nothing to endear me to the dentist, his work, or how I had to spend that hour.

The dentist of my youth never used Novocain, unless the tooth damage was so great that even the dentist himself (and they were all men in those days) would be considered inhuman if he did not offer that option. I remember the raised eyebrows if I dared squirm in my torture seat or exhibit any other emotion other than stoic acceptance of my fate, and the sneer on his face when he asked if I really thought I needed Novocain. His attitude, and the manner in which he inquired if I needed a shot in the mouth to dull the pain ensured that I always refused his offer and kept

as stiff an upper lip as I could manage.

That’s a lot to ask of a seven-year-old, in my opinion. Come to think of it, it is a lot to ask of a little old lady.

Of course, the needle he used to insert the Novocain into my gums, on those rare occasions when I actually did get any pain killer, resembled a huge straw in size and diameter. When he inserted the needle, it felt like my fiendish dentist decided to drive a stake into the roof of my mouth.

The pain of the needle lasted a lot longer than the pain of the drill, when I think about it.

To say I dreaded visits to the dentist may be a slight understatement. The dislike has continued right up to my older age, even though dentistry has changed dramatically in the last several decades.

Modern dentists have learned new tricks, they have a bit more compassion than the dentists of my youth, and the equipment and techniques have greatly improved.

However, those evil tooth demons of my youth still haunt me when the time comes to visit my friendly neighborhood dentist. I haven’t had a cavity in years, but I have required crowns, I have lost fillings, chipped or broken a few teeth, and of course I do my duty and have my teeth cleaned once or twice a year. So, I still need to visit the dentist and submit myself to poking, prying, picking, scraping, and the occasional drill.

I recently visited the dentist for an overdue teeth cleaning. The dentist I entrust with my mouth recently retired, and his daughter has taken over the practice.

She wants up-to-date medical information, so when I arrived at the office, the receptionist handed me the new questionnaire to complete.

First question: Are you afraid of the dentist, and if so, why? Hah, what a loaded question to ask me. I circled YES and proceeded to explain that I was a product of the Dark Ages, and when I was a kid, my dentist used a pick and shovel with no

Novocain to fix problem teeth. Of course I am leery of dentists.

More routine questions followed, including “Do you have trouble eating?’ I understood what the question meant, but I answered truthfully, that no, unfortunately I have no problems whatsoever in eating, in fact I generally eat just about everything placed in front of me.

Another question asked if I had ever had orthodontal work done. I replied that yes, I had, but again it was back in the age when pterodactyls still roamed the earth.

I handed in the questionnaire, selected a magazine, and settled back to read while waiting for my turn in the chair. A few minutes later I heard a muffled snort from the receptionist’s desk. I peered over my glasses at the young lady sitting behind the desk. She caught me looking at her, and she burst into laughter. Lifting my questionnaire and pointing at it, she said.

“You made my day. Some of these answers really made me smile.”

Well good! At least one of us had a good day at the dentist’s so the day wasn’t a total waste. Fifty years ago, you would never catch ANYONE smiling while in a dental office, and laughter would be unheard of.

Incidentally, I received another all clear from my dentist. I even came away with a new toothbrush. I rather enjoyed the visit, to the extent that anyone can enjoy sitting in a dental chair while someone pokes around in his or her mouth. Maybe if I live long enough, in another few decades the memories of early dental visits will go the way of the dodo.

Lois Stephens brings personal experience of the aging process to Prime Magazine.

She enjoys writing about her observations of becoming a member of the senior citizen age group. She lives and works in Virginia City.

PRIME January 2019 I 7

11 GARDENING RESOLUTIONS FOR 2019

By Jan Cashman

year for many of

us means making

gardens small so they are easier to manage and care for.

is in Montana, like Tizer Gardens in Jefferson City or far away like Butchart Gardens in Victoria BC.

4) Don’t wait for weeds to get too big-control them when they are small.

10) Freeze more green beans.

better by exercising more, losing

weight, volunteering with a

5) Use less landscape fabric and more soil pep mulch.

11) Give excess produce to the Food Bank.

favorite charity, etc. We all have ideas of how we could be better

6) Use less landscape fabric and more soil pep mulch.

gardeners. Why not make a gardening resolution? Here

7) There are over 100 cultivars or varieties of poinsettias.

Maybe one or more of these gardening resolutions resonates with you and will help you improve the upcoming 2019 gardening season.

resolutions to do

are 11 possibilities. You could

ADOPT ONE OR TWO OF THESE FOR YOURSELF…

1) Plant sweet peas early.

2) Start a gardening journal to keep records of what is planted, how well it grows and how we like it.

3) Simplify…as we get busier and/ or older, keep flower and vegetable

8) Learn about gardening by attending a class, reading a book, magazine or learning on-line. Take the Master Gardener course.

9) Attend the Emerson Cultural Center Home & Garden Tour in the summer to see what others are doing in their landscapes, flower gardens, and vegetable gardens.

Tour a Botanical Garden whether it

We Want to thank all our customers for the amazing year!

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

north 19th at springhill road Bozeman, mt 406-587-3406 www.cashmannursery.com

1842314

E

ntering the new

8 I January 2019 PRIME

INTERNATIONAL DELIGHT

PLAN NOW SO YOU CAN HAVE THE MOST FUN ON YOUR ADVENTURE IN ANOTHER COUNTRY

By Kathy Cambridge

H

ave you been thinking about traveling internationally but have never been out of the United States? Is foreign travel on your bucket list for 2019? There are some ways to make international travel seamless by understanding some aspects of traveling to foreign countries in advance and proper planning. Some pointers to consider when planning your adventure abroad.

1. Discuss your trip with your doctor to ensure you have no medical risks or exposure risks. a. Take a copy of all prescription medications along as your physician’s contact information in your wallet and in a photo on your phone. b. Contact your health insurance company to determine limitations or exclusions on coverage outside of the United States. If there are coverage exclusions, you may want to consider a supplemental insurance policy.

b. Find locations of local reputable banks in the event you need to convert cash during your trip to avoid higher ATM conversion fees.

4. Know the power voltage standards and take an adapter if necessary for electronics you plan to take along.

c. Understand the current conversion rate and where best to convert for lower fees.

5. Book excursions in advance where possible.

d. Check with your US bank on obtaining a currency conversion prior to departure.

3. Know the Passport and VISA requirements of the country you plan to visit. a. Some countries require a certain amount of time remaining on your passport and some require the passport to have been issued for a certain amount of time prior to entry into their country. b. VISA requirements differ by country and length of stay. c. Sign up for state department alerts while you are abroad. d. Take the address of the local US Embassy and phone number with you in case of an emergency.

2. Understand the local currency and conversion rates.

e. Keep a photocopy of your passport on your phone or in a location you can access digitally.

a. Is your credit card accepted internationally? Do they charge a fee for international transactions?

Alert them to your trip in advance to avoid declined charges.

f. Know if the country charges an entry or exit fee. g. Know what you can take in or out of the country before you leave so you don’t end up with issues clearing customs.

6. Contact your cell phone provider to ensure you have global coverage and understanding the pricing for adding global coverage and data usage internationally. a. Download any travel apps to your phone prior to departure to avoid higher fees. b. Research tour options prior to departure to avoid higher data usage fees. c. Understand if there is a local coverage option available (like in Jamaica) that might be more economical.

While this list in not exhaustive for travel internationally, doing your homework can save you some travel headaches down the road. Take wings and fly – your next adventure awaits!

Kathy Cambridge Franchise Owner, Cruise Planners www.plan4ittravel.com

PRIME January 2019 I 9

Hollowtop Senior Citizens Broadway St., Pony, MT • 685-3323 or 685-3494

■ Serving Harrison, Pony, Norris and surrounding areas ■ Fee: $5 a year. Meals $3.50 members and $5 for guests ■ Dinner served on Wednesdays all year long and on Mondays October – May ■ Lending library and medical equipment

Manhattan Senior Center 102 East Main Street, Manhattan, MT • 284-6501

■ Fee: $10.00 a year ■ Meals: $4 over 60 years of age, $6 under 60 ■ Noon meal is served Tuesday, Wednesday, and Thursday; call Monday – Friday before 10:00 am to reserve a seat ■ Pinochle: Tuesday, Wednesday, and Thursday after lunch Center Hall and kitchen are available for rental. Hall rental $50, kitchen and hall $75. Cleaning deposit of $25 and key deposit $10. Call Jan for more details to reserve the space.

Park County Senior Center

206 South Main Street, Livingston, MT • 333-2276 www.parkcountyseniorcenter.com • Open Monday - Friday 9-5

■ Please call Senior Center for news and events.

Three Rivers Senior Club 19 East Cedar Street, Three Forks • 285-3235 Director: Jean Farnam • 570-0800

■ Club Membership: $10 a year. Must be 50 or older to join.

■ Meals for Members and Nonmembers: $6 for those under 60. Suggested price for those 60 and over: $4.00. Noon meal is served Tuesdays, Wednesdays, Thursdays. Make reservations by 8 a.m.; call 406-285-3235 and leave message.

■ Birthday Celebration: Once a month on 2nd, 3rd or 4th Tuesday.

■ Meals on Wheels delivered to homebound.

■ Pinochle Tuesdays through Thursdays after meal.

■ Extensive lending library of books, videos, jigsaw puzzles. Medical equipment such as walkers, shower seats, crutches, also available; call Jean. For info about the HRDC bus for Three Forks and Willow Creek residents, call Galavan, 406-587-2434.

Menu 1 - CLOSED 2 - Tune Casserole 3 - Pork Roast 8 - Enchiladas 9 - Soup & Salad 10 - Ribs 15 - Cubed Steaks 16 - Turkey 17 - Chili 22 - Sweet & Sour Pork 23 - Lasagna 24 - Taco Burgers 29 - Pepper Steak 30 - Meatloaf 31 - Roast Beef

RSVP

Southwest Montana

807 N. Tracy Ave., Bozeman, MT 59715 • 587-5444 Debi Casagranda, Program Coordinator • (dcasagranda@thehrdc.org) 111 South 2nd, Livingston, MT 59047 • 222-2281 Deb Downs, Livingston Program Coordinator (debdowns@rsvpmt.org) www.rsvpmt.org

BOZEMAN: ■ Habitat for Humanity: Critical repair program is in need of volunteers to assist in home repairs and improvements for low income people in our community. No experience needed just a desire to learn, openings on the Thursday crew.

■ Montana Veterans Affairs Division: Volunteer needed to greet veterans and or family members along with answering phones. Office is open Monday thru Friday 8 am – 5 pm, shifts are flexible.

■ Bozeman Health: In need of extra volunteers to help with giving directions at the Atrium Entrance Monday thru Friday 4 pm-8 pm and Saturday or Sunday 10 am-2 pm.

■ Bozeman Health: Volunteers needed at the front desk to help with directions at Medical Building number 5. Shifts available Monday thru Friday 8 am-12 pm and 1pm-5 pm.

■ Habitat for Humanity: Volunteer who enjoys talking with people needed for greeting customers at front desk and answer any questions. Training will be provided, flexible days and hours.

Open Tuesday –Saturday 9 am to 4 pm.

LIVINGSTON: ■ Handcrafters: If you enjoy the comfort of an old fashioned sewing circle come join us on Thursdays 1-2 PM at the Senior Center, making new friends as you work on crocheted or knitted items.

Sewers are needed to make simple pillowcases for our soldiers overseas.

■ Yellowstone Gateway Museum: Be a part of history with a variety of opportunities that exists in our museum. Make new friends and learn more about our local history.

■ Fix-It- Brigade: Volunteers of all ages and skill levels are needed to help with small home repairs such as mending a fence, mowing a yard, shoveling snow or something as simple as changing light bulbs. You will be helping seniors or veterans for a 2 hour or less task on your time schedule.

■ Current RSVP Volunteers are encouraged to turn in your hours each month: your contribution to the community is greatly appreciated.

■ RSVP: has many more exciting ways to interact with your community, so put your skills and interests to use without making a long-term commitment.

BOZEMAN LIONS CLUB Drop off your prescription and non-prescription eye glasses and dark glasses, as well as hearing aids and cell phones in the collection boxes at the Bozeman Senior Center, the Manhattan Senior Center, the Three Rivers Senior Citizens Club in Three Forks, and the Gallatin Gateway Community Center

For more information, contact Richard Reiley at

406-388-7840

Visit us on the web at http://e-clubhouse.org/sites/bozemanmt

10 I January 2019 PRIME

Bozeman Senior Center

CLOSURES: ■ Closed January 1st for New Year’s Day, January 21st for Martin Luther King Jr. Day ANNOUNCEMENTS ■ The Board meeting is held on the second Friday of each month at 10:00 ■ Congratulations to our newly elected Board members for 2019. Helen McFaul was elected to serve a second term. Connie Blackwood and Chuck Curtis were also elected. Much appreciation to Ivy Huntsman for being willing to run for a second term and also to Barbara Pastine and Steve Marty for being willing to run for the BSC board.

■ Sign up with Edward Wisman for computer tutoring on Wednesday afternoons. Ed graduated in 1982 from MSU with a degree in Range Management. Shortly thereafter he met his wife, Linda. The Wisman’s left Montana to pursue their careers but Montana did not leave them. The people and places of this beautiful country kept pulling them back for family vacations. They always hoped that someday they would retire to Bozeman.

During their 28 years away, Ed and Linda raised two daughters and Ed pursued a career as a Natural Resource Manager in Colorado and he later went back to school to obtain a Masters of Accountancy degree from the University of West Florida. He went on to serve as the Chief Financial Officer for a small but growing technology company. In 2016, after their youngest child graduated from college, the Wisman’s knew it was finally time to move back to the place they missed all those years, Bozeman. Ed is like most Montana men, he enjoys fishing, hunting, hiking, skiing and shoveling snow! He also volunteers with several veteran related organizations, meals on wheels and will be a new computer room helper.

■ Member Specials for 2019: Pay for a whole year of exercise by Jan. 31, the cost is $100.00, saving you $20.00.

■ PLEASE NOTE: The suggested meal donation for those 60 years of age or older is $4.00 per person. The Area IV Agency on Aging (our Federal funding source at the State level) has requested our sites ask the price of $4.00 to keep all sites standardized. $4.00/ meal is a great bargain. Remember, this is still a suggested donation. If this causes a hardship for you, please pay only what you can afford.

Individuals under the age of 60 are required to pay $6.00/meal.

■ The Cross-Country Ski & Snowshoe Program is no longer sponsored by the Senior Center, but we welcome the group to gather each Tuesday at 9:00.

• 807 North Tracy • (406) 586-2421 • www.bozemanseniorcenter.org Shannon Bondy, shannon@bozemanseniorcenter.org (Executive Director) Marit Ehmke, marit@bozemanseniorcenter.org (Program Coordinator) Find us on Facebook!

EVENTS/PROGRAMS ■ The Geriactors resume on Friday, January 4.

■ Basic Skills for Caregiving: Fridays January 4, 11, 18, 25 at 10:00 – Helen Sheperd will lead a four part series dealing with the challenges of caregiving. What is your situation?

Your needs as a caregiver - knowledge, understanding, or support, Basic nursing care skills, Help with caregiving problems, Emotional support, Contact with other caregivers, How to take care of yourself as you care for a family member, working for a local caregiving facility, do you get enough support and training to be an excellent caregiver - What do you need?

The content for sessions II, III and IV depend on feedback from session I. Issues such as supplies, scheduling, safety, bathing and hair care, medication, mouth care, nourishing, mobility and emotional support.

■ Red Hats, still to be determined, call the Senior Center for the date, time and location.

■ Afternoon at the Movies, Tuesday, January 15, 1:00 “Inferno”: The fate of most of the world’s population is at stake when an eccentric billionaire leaves behind a hidden virus intended to wipe out most of humanity and permanently remedy overpopulation. Tom Hanks reprises his role as Robert Langdon, an expert in art history, symbolism, and a puzzle solving wiz, that you may have seen in “The Da Vinci Code” and “Angels and Demons”.

■ Travel Adventure Theatre: Wednesday, January 16, 1:00 - “The Canadian Rockies” - As you have never seen them: Packed with Big Mountain peaks, glaciers, waterfalls and turquoise lakes. Photos by Phil HowlandPresented by Bob Remer.

■ Families and Legacies: Challenging Decisions by Marsha Goetting: January 30, 1:00-2:15 p.m. (with a snack during a short intermission) – While everyone owns some type of property—saving accounts, stocks, mutual funds, automobiles or a home—many are unaware how the wording on accounts, titles, or deeds determines who receives them upon the owner’s death. “Most people have strong feelings about who gets the property we have worked so hard to accumulate,” says Dr. Marsha Goetting, Montana State University Extension Family Economics Specialist.

Dr. Goetting has combined her career-long emphasis in estate planning with her recent passion for wildflowers in a creative presentation. Regardless of your age, financial situation, or marital status you will learn facts that will help you jump-start your estate planning preparations.

SERVICES/SUPPORT SERVICES ■ Pharmacist consultations: 2nd and 4th Mondays from 10:30 – 12:30 ■ AARP meeting: 3rd Monday at 12:30, 4th Monday for Jan & Feb due to holidays ■ Foot Clinic by appointment only. 3rd & 4th Monday & Tuesday.

■ Association for the Blind meets 2nd Tuesday, 1:30. Open to anyone who is visually impaired.

■ Free blood pressure checks every Wednesday, 11:30-1:00 ■ Forgetters & Friends: 2nd Wednesday, 1:00 ■ Reminiscing / Caregiver Chat – 2nd Wednesday 2:00 ■ Legal Services: 3rd Thurs., 10:00 to 12:00 ■ Free notary services: Fridays from 11:00 – noon ■ Brain Injury Support Group: 3rd Friday 11:00 ■ Computer Assistance with Brenda, Paul, Jay and Ed. Call us for an appointment.

■ Medical Equipment available for check-out to those 50+.

HEALTH & EXERCISE ■ Note: Purchase a monthly activity card to participate in any of the exercise classes offered, as well as utilizing the work-out room.

Cost is $10 / month with Bozeman Senior Center annual membership fee of $12. The equipment room is open from 8:30 to 4:10 ■ Mondays: 8:30 Strength Training, 9:00 Gentle Aerobics, 10:00 Core, 10:30 Aerobics Plus, 11:30 Tai Chi for Mind/Balance, 1:00 Balance, 1:35 Yoga ■ Tuesdays: 9:00 On the Ball, 11:00 Beginning Tai Chi, 11:30 Yang Tai Chi, 1:00 Strong and More ■ Wednesdays: 8:30 Strength Training, 9:00 Gentle Aerobics, 10:00 Core, 10:30 Aerobics Plus, 1:00 Balance, 1:30 Gentle Yoga ■ Thursdays: 9:00 On the Ball, 11:00 Beginning Tai Chi, 11:30 Yang Tai Chi, 1:00 Strong and More ■ Fridays: 8:30 Strength Training, 9:00 Gentle Aerobics, 10:00 Core, 10:30 Aerobics Plus, 11:30 Tai Chi for Mind/Balance.

SOCIAL ACTIVITIES ■ Wood Carvers: Mondays 9:30 (Shop open to members 8:30 - 4:00) ■ Duplicate Bridge: Mondays, 1:00 ■ Oil Painting: 1st & 3rd Monday, 1:00 ■ Creative Writing/Senior Stories: Tuesdays, 10:00 ■ Line Dancing: Tuesdays, 10:30 (Beginners @ 10:00am) ■ Cribbage: Tuesdays, 1:00 ■ Singing Souls: Tuesdays, 1:30

■ Afternoon at the Movies: 3rd Tuesday, 1:00 ■ Bingo: Tuesdays & Thursdays, 1:00 ■ Watercolor Painting: Wednesdays, 9:30 ■ Ukulele Club: Wednesdays, 10:00 ■ Blood Pressure Check: Wednesdays 11:301:00 ■ Mah Jong: Wednesdays, 1:00 -4:00 ■ Holistic Meditation: Wednesdays at 1:30 ■ Adventure Travel: 3rd Wednesday, 1:00 ■ Pinochle: Wed. & Thursday, 1:00 ■ Bridge: Wednesdays & Fridays, 12:45 ■ Canasta: Thursdays, 10:00 ■ Scrabble: Fridays 10:00 ■ Geriactors: Fridays at 1:00 NUTRITIONAL SERVICES ■ Congregate Meals at the Senior Center Monday-Friday, at Noon.

■ Meals-on-Wheels delivered Monday-Friday to homebound individuals.

■ Frozen Meals available for pickup at the Senior Center Monday-Friday.

■ FREE Birthday Dinner Celebrations on Wednesdays during the month of your birthday for members – Come in and claim your free lunch!

TRAVEL Bozeman Senior Center Travel Program Full Itineraries for all trips are available in the kiosk at the Bozeman Senior Center front desk. For more information, call Judy at 586-2421 on Monday and Wednesday mornings, or e-mail: travel@bozemanseniorcenter.org.

TRAVEL FOR 2019: ■ JEKYLL ISLAND, ST. SIMONS ISLAND, SAVANNAH, AND ST. AUGUSTINE: March 31st – April 5, 2019. Must be signed up by Jan. 5th, 2019. Fly to Jacksonville. Wonderful springtime trip, staying at the oceanside Hampton Inn Resort on Jekyll Island, Georgia for five nights. Sightseeing includes Georgia Sea Turtle Center, lunch at the Jekyll Island Club Resort, with a narrated tram ride after lunch. Enjoy a shrimp boat cruise, tour of Savannah, and touring in St. Augustine, Florida. Lots of great meals included.

Enjoy all the azaleas, camillas, and magnolia in bloom. Cost of the trip: $2429.00 d.o.

■ NOVA SCOTIA AND THE CANADIAN MARITIMES; August 14 – 22, 2019. Fly to Halifax for an exciting trip along Canada’s Atlantic Coast. Spend two nights each in Halifax, Baddeck, Charlottetown, PEI, and Western Shore, Nova Scotia. Great sightseeing includes: Halifax City Tour, Peggy’s Cove, Cape Breton Island, Alexander Graham Bell National Museum, Cape Breton Highlands National Park, Lobster dinner on Prince Edward Island, Ann of Green Gables

PRIME January 2019 I 11

Farmhouse and Museum, Oak Island Resort, and the Bay of Fundy. Deposit of $595.00 due by January 20th.

■ FALL COLORS OF CLASSIC NEW ENGLAND: October 3 – 11, 2019. Fly to Boston to begin this very fun trip while enjoying all the beautiful fall colors. Sightseeing includes a city tour of Boston, visit to John F. Kennedy Presidential Library and Museum, stop in Kennebunkport, Maine to see the home of former President H. W. Bush.

Visit the Portland Head Lighthouse and Acadia National Park. Enjoy a Bar Harbor Cruise, travel the Kancamagus Highway in Vermont, visit the Norman Rockwell Museum, the Breakers Mansion showing the extravagant lifestyle of the Vanderbilt’s, and a fun horse drawn carriage ride. A deposit of $550.00 will hold your space on this trip. Final payment due 75 days out.

■ WASHINGTON, D.C. October 2019: Fly to Washington, D.C. for a five night stay in one hotel. Sightseeing includes: Visit to U.S. Capitol Building, World War II Memorial, White House Visitors Center, Smithsonian, Arlington National Cemetery, Mount Vernon and Washington National Cathedral and Ford’s Theater. Brochure and dates available soon.

■ SAN ANTONIO HOLIDAY; December 5 – 9, 2019: Get in the Holiday Spirit with this very fun trip to San Antonio. Fly to San Antonio, spend four nights at the hotel right on the riverwalk.

Enjoy the walkways, the craft shops, galleries, restaurants, and more. Visit the San Jose Mission, Mercado Marketplace, see the IMAX “The Price of Freedom”, take a Riverwalk Cruise and learn more of the history of San Antonio. Visit the Alamo, an optional day in Austin is available, also. Travel to Fredericksburg, to Hill Country where your first stop will be a tour of the LBJ Ranch, former home of Lyndon Baines Johnson.

Experience the Fiesta de las Luminarias which features thousands of candles illuminating the Riverwalk. A deposit of $550.00 will hold your space on this fun holiday trip.

VOLUNTEER OPPORTUNITIES Please call 586-2421 if you are interested in any of these opportunities.

■ Meals-on-Wheels is looking for volunteers to deliver meals in Bozeman.

■ Foot Clinic is looking for current or retired nurses to help with this monthly service!

■ Our thrift store, Second Hand Rose need volunteers to take surplus donations from to other thrift stores about once a week. Second-hand Rose thrift store hours: 10:00 to 2:00 M-F.

Menu Mon-Fri at Noon 1 - CLOSED for New Year

2 - Green Salad, Spaghetti, Bread,

Beans

3 - Fruit Salad, Meatballs, Rice, Corn 4 - Burger with Fixins’, Potato Gems 7 - Cottage Cheese/Fruit, Goulash,

Steamed Vegetables

8 - Mixed Fruit, Baked Chicken,

Baked Potatoes, Green Beans

9 - Green Salad, Hearty Beef Stew,

Belgrade Senior Center 92 East Cameron Avenue (406) 388-4711 www.belgradeseniorcenter.com Email: belgradesrcntr@bresnan.net Executive Director: Lisa Beedy

EXERCISE: ■ Movement in Motion: 9am Mon, Weds, Fri ■ Yoga: 9am Tuesdays, 8am Fridays

Biscuits

■ Exercise class Tuesdays at 10am

Bean Casserole

Aerobics Class

10 - Jello, Turkey, Dressing, Green

■ We are looking for someone to teach a Step

11 - Peaches, Taco Bar with Fixins’ 14 - Apricots, Chicken Parmesan,

Noodles, Bread, Peas & Carrots

15 - Beets, Hamburger Steak, Onions,

COMMUNITY RESOURCES ■ Blood Pressure Check: Noon: Jan. 10th &

Red Potatoes, Five-Way Vegetables

24th

Vegetables

grams: Jan. 15th and 29th

16 - Coleslaw, Cod, Rice, Steamed 17 - Cranberries, Open Face Turkey,

Mashed Potatoes, Corn

18 - Applesauce, Pork Cutlet,

■ Andi Salsbury with HRDC Senior Pro-

SOCIAL ACTIVITIES:

Scalloped Potatoes, California Vegetables

■ Coloring & Puzzle Tables

King Day

Circle

21 - CLOSED for Martin Luther 22 - Mixed Fruit, Beef Stroganoff,

Steamed Vegetables

23 - Jello, Pork Stir Fry, Stir Fry

■ Wednesday: 9:00 am: Needleaires Sewing ■ BINGO: Thursdays 12:45 ■ Board Meeting: January 15th

Veggies

■ January 16th: January Birthday Celebration

Peas

2019 – 7:00-8:30 am: Open to the public! Stop

24 - Beets, Ham, Scalloped Potatoes, 25 - Pears, Chicken al a King over

Biscuit, Steamed Vegetables

28 - Fruit, Chicken Salad, Bread

■ Belgrade Breakfast Club: January 16th, by, order off our menu and enjoy breakfast!

■ January 25th: Around the World Day:

29 - Fruit, Chicken Fry, Hash Browns/

Belgium

30 - Green Salad, Chili, Corn Bread

CARD GAMES:

Gravy, Corn

31 - Diced Peaches, Roast Beef,

Mashed Potatoes, Steamed Vegetables

Please make reservations for lunch so that we can have an adequate amount of food!

■ Monday: 12:45 pm Cribbage ■ Tuesday: 12:45 pm Hand & Foot ■ Thursday: 8:30 am Pinochle ■ Friday: 12:30 pm Pinochle

Menu Mon – Fri at Noon

1 - Happy New Year! Closed 2 - Salad, Hamburger, Gravy, Mashed Potatoes, Vegetables, Dessert 3 - Salad, Fried Chicken, Cheesy Grits, Vegetables, Dessert 4 - Salad, Minestrone Soup, Grilled Ham & Cheese Sandwiches, Vegetables, Dessert 7 - Salad, Roast Pork, Potatoes, Vegetables, Dessert 8 - Salad, Hamburgers, Chips, Vegetables, Dessert 9 - Salad, Sauce D’arachde (Meat w/ peanut sauce over rice), Vegetables, Dessert 10 - Salad, Mac & Cheese, Ham, Vegetables, Dessert 11 - Salad, Chili, Cornbread, Vegetables, Dessert 14 - Salad, Chicken Alfredo, Vegetables, Dessert 15 - Salad, Tator Tot Casserole, Dessert 16 - Belgrade Breakfast Club, “Birthday Celebration”, Salad, Roast Turkey, Potatoes, Vegetables, Dessert 17 - Salad, Sweet & Sour Pork, Stir Fry Vegetables, Rice/Egg Rolls, Dessert 18 - Salad, Fish & Chips, Vegetables, Dessert 21 - Salad, Turkey Tetrazzini, Vegetables, Dessert 22 - Salad, Meat Loaf, Potatoes, Vegetables, Dessert 23 - Salad, BBQ Chicken, Home Fries, Vegetables, Dessert 24 - Taco Salads, Dessert 25 - Around the World Day: “Belgium” Chicken Waterzooi, Wit Beer Bread, Liege’ Waffles w/ Berries 28 - Salad, Pulled Pork Sandwiches Tator Tots, Vegetables, Dessert 29 - Salad, Lasagna, Vegetables, Dessert 30 - Salad, Turkey Pot Pie, Dessert 31 - Salad, Chicken Fried Steak, Potatoes, Vegetables, Dessert

All Meals Include Roll & Drink, Veggie & Dessert. Gluten and dairy free items upon request.

FREE Lifetime Aftercare.

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