Golden Times - Dec 2010

GOLDEN

TIMES

A M O N T H LY M A G A Z I N E F O R T H E R E G I O N ’ S R E T I R E E S B Y T H E L E W I S T O N T R I B U N E



Inside

Briefs / PAGE 4 Birthdays / PAGE 4 Poetry / PAGE 7

A life in music Lewiston’s Mildred (Millie) McGahey has devoted her life to her students / PAGE 10

D E C E M B E R 6 , 2010 / VOL. 20, NO. 12 / A Target Publication

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LEWISTON TRIBUNE

M O N D A Y, D E C E M B E R 6 , 2 0 1 0

SOCIAL SECURITY Q&A Q: Does Social Security provide special services or

information for people who are blind or visually impaired?

A: Yes. Social Security offers a number of services and products specifically designed

TIMES GOLDEN

E D I TO R S Robert Johnson & Mary Tatko Golden Times is inserted in the Tribune the first Monday of every month.

To advertise, contact your Tribune advertising sales representative at (208) 848-2292.

On the cover: Longtime Lewiston music teacher Mildred (Millie) McGahey,

by Barry Kough of the Tribune Golden Times ď Ź Lewiston Tribune PO Box 957 ď Ź Lewiston ID 83501 (208) 848-2243

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for people who are blind or visually impaired.

If you are blind or visually impaired, you can choose to receive notices and other information from Social Security in ways that may be more convenient for you. To find out more about this service, go to our page, If You Are Blind Or Visually Impaired — Your Choices For Receiving Information from Social Security, at www.socialsecurity. gov/notices.

Many of our publications, such as brochures and fact sheets, are available in Braille, audiocassette tapes, compact disks, or in enlarged print.

If you have a question about a Social Security notice you receive, or about requesting printed matter in alternate formats, you may call our tollfree number, (800) 772-1213, from 7 a.m. to 7 p.m., Monday through Friday, or call or visit your local Social Security office and ask us to read it to you.

Q: I understand my Medicare prescription plan is being discontinued and that I need to make changes to my Medicare Part D coverage.

When can I do that?

A: Open season for Medicare Part D prescription drug coverage runs from November 15 to December 31 each year. The Medicare Part D prescription drug program is available to all Medicare beneficiaries to help with the costs of medications. Joining a Medicare prescription drug plan is voluntary, and participants pay an additional monthly premium for the cov-

Q: How much of a difference will it make if I defer retirement benefits until age 70?

A: It can be significant.

Let’s say your full retirement age is 66 and your monthly benefit starting at that age is

ď ˇ This column was prepared by the Social Security Administration.

For fast answers to specific Social Security questions, contact Social Security toll-free at (800) 772-1213.)

WED., DEC. 8

BBQ chicken / potato wedges / green beans / salad / dessert FRIDAY, DEC. 10

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Question: How do you replace a damaged Social Security card?

Answer: While you can replace your Social Security card free if it is lost or stolen, you may not have to do so. For more information about getting a replacement card, go to www. socialsecurity.gov/ssnumber.

$1,000. If you choose to defer receiving benefits until age 70, you would increase your monthly benefit amount to $1,320. That’s almost an extra $4,000 each year for the rest of your life. This increase is from delayed retirement credits you get for your decision to postpone receiving benefits past your full retirement age. The benefit amount at age 70, in this example is 32 percent more than you would receive per month if you chose to start getting benefits at full retirement age. And, this higher benefit would continue for as long as you live.

You can estimate your future benefits at different ages using our Retirement Estimator at www.socialsecurity.gov/ estimator.

JK Senior Meals in Kendrick at the corner of South Sixth and Railroad serves lunch to seniors at noon on Wednesday and Friday. Suggested donations for seniors are $4 and $6 for those under 60. Children younger than 3 dine for free. More information is available at jkseniormeals@hotmail.com or by calling (208) 289-5031.

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1413 Cedar Ave., Lewiston

erage. Learn more at www. medicare.gov. In addition, if you have limited resources and income, you also may be eligible for “Extra Help� to pay for monthly premiums, annual deductibles, and prescription co-payments. The Extra Help is worth an average of $3,900 per year. To find out more, go to www.socialsecurity.gov/ prescriptionhelp.

J&K SENIOR MEALS

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MCCLATCHYďšşTRIBUNE NEWS SERVICE

Hamburger steak / mashed potatoes and gravy / salad / applesauce / dessert WED., DEC. 15

Turkey with dressing / mashed potatoes and gravy / rolls / veg. / dessert FRIDAY, DEC. 17

Baked potato bar / salad / fruit / dessert

WED., DEC. 22

Baked spaghetti / cottage cheese / salad / fruit / dessert FRIDAY, DEC. 24

No Lunch Today WED., DEC. 29

Birthday Dinner Roast beef / potatoes and gravy / veg. / fruit / dessert FRIDAY, DEC. 31

Taco soup / tortilla chips / salad / mixed fruit / dessert

M O N D A Y, D E C E M B E R 6 , 2 0 1 0

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Parks & Recreation Senior Nutrition Program

Senior Round Table Nutrition Program

Moscow Friendly Neighbors Nutrition Program

The Lewiston meal sites for the Senior Nutrition Program serve hot lunch at noon on Mondays, Tuesdays and Wednesdays at the Lewiston Community Center (1424 Main St.) and the United Methodist Church (1213 Burrell Ave.). There is a suggested donation of $4 for seniors age 60 and over. There is a charge of $5 for the meal for those younger than age 60.

Clarkston meals are served Tuesdays, Thursdays and Fridays at the Pautler Senior Center.

Asotin meals are served Tuesday and Thursday. No salad bar on Tuesday. Salad bar starts at 11:30 a.m.

Suggested donation is $3 for those 60 and older. For those younger than 60, the cost is $6. Home-delivered meals are available by calling 758-3816.

Moscow meals are served at noon on Tuesdays and Thursdays in the Great Room of the 1912 Center, 412 East Third St., Moscow. Suggested donations are $4 (60 and older) and $6 (younger than 60). Salad bar available at 11:30 a.m. To arrange for home delivery, call Area Agency on Aging in Lewiston, 800-877-3206. Meal site information and menu are online at users.moscow.com/srcenter

Monday, DEC. 6 Tuesday, DEC. 7 WED., DEC. 8

Spaghetti / veg. salad / green beans / bread sticks / cookie Sweat and sour meatballs / rice / mixed veg. / whole wheat roll / ice cream sundae Chicken / mashed potatoes / carrots / fruit salad / biscuit / dessert

Monday, DEC. 13

Baked ham / scalloped potatoes / applesauce / corn / cookie bar

Tuesday, DEC. 14

Meat loaf / mashed potatoes / carrot salad / green beans / roll

WEd., DEC. 15

Roast beef / potatoes / mixed veg. / cucumber salad / whole wheat roll / dessert

Monday, DEC. 20

Chicken fried steak / potatoes and gravy / broccoli / biscuit

Tuesday, DEC. 21

Christmas party, special menu call for reservations (508) 743-6983

Tuesday, DEC. 7

Stuffed peppers / parslied potatoes / veg. / soup / salad bar / dessert bar

German sausage / augratin potatoes / corn / juice / bread / fruited Jell-O

Thursday, DEC. 9

Fish and chips / veg. / soup / salad bar / dessert bar

Friday, DEC. 10

Beef stew / cooks choice salad / corn bread / pears / salad bar

Tuesday, DEC.14

Pork chops / mashed potatoes with gravy / veg. / soup / salad bar / dessert bar

Tuesday, DEC. 14 Thursday, DEC. 16 Friday, DEC. 17 Tuesday, DEC. 21 Thursday, DEC. 23

Turkey / dressing / cranberry salad / green beans / sweet potato / roll / dessert

Friday, DEC. 24

Monday, DEC. 27

German sausage / sauerkraut / potatoes / veg. salad / carrots / whole wheat roll

Tuesday, DEC. 28

Tuesday, DEC. 28

Turkey ala king / biscuit / carrot salad / corn / ice cream sundae Hamburger sandwich / potato salad / baked beans / fruit / green beans / dessert

Tuesday, DEC. 7

Thursday, DEC. 9

wed., DEC. 22

wed., DEC. 29

Salisbury steak and gravy / mashed potatoes / green beans / muffin / plums and cookies

Thursday, DEC. 30 Friday, DEC. 31

Pork chops with gravy / mashed potatoes / spinach / roll / applesauce / brownies Spaghetti with meat sauce / broccoli / veg. Jell-O / bread stick with cheese / fruit cocktail Cream cheese broccoli soup / crackers / cooks choice salad / manadarin oranges / salad bar Christmas Dinner: Baked ham with pineapple / corn / sweet potatoes / molded cranberry salad / roll / apple pie CLOSED

CLOSED

Birthday Dinner: Baked chicken with gravy / mashed potatoes / beets / veg.

Jell-O / rolls / cake and ice cream Macaroni with cheese / beef patty / carrots / peas / bread / apple crisp CLOSED

Thursday, DEC. 16 Tuesday, DEC. 21 Thursday, DEC. 23 Tuesday, DEC. 28 Thursday, DEC. 30 Tuesday, JAN. 4

Salisbury steak / mashed potatoes with gravy / green beans / soup / salad bar / dessert bar Oven fried chicken / mashed potatoes with gravy / veg. / soup / salad bar / dessert bar Baked ham / potatoes / yams / veg. / soup / salad bar / dessert bar Lasagna / mixed veg. / garlic bread / soup / salad bar / dessert bar Roast beef / mashed potatoes / veg. / soup / salad bar / dessert bar Stuffed green peppers / mashed potatoes with gravy / soup / salad bar / dessert bar

Thursday, JAN. 6

Hawaiian chicken / rice / veg. / soup / salad bar / dessert bar

Tuesday, JAN. 11

Salisbury steak / potatoes with gravy / veg. / soup / salad bar / dessert bar

Thursday, JAN. 13

Baked pasta with meat sauce / garlic bread / veg. / soup / salad bar / dessert bar

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LEWISTON TRIBUNE

M O N D A Y, D E C E M B E R 6 , 2 0 1 0

BIRTHDAYS

BRIEFLY Sons of Norway to build cookie platters

DEC. 4  JAMES K. BOESEN James K. Boesen of Lewiston celebrated his 76th birthday Dec. 4. He was born in Lewiston Dec. 4, 1934, to Julius and Myrna Boesen. He has lived and worked in Lewiston all his life.

He graduated from Lewiston High School in May of 1953 and went to work for Potlatch Corp. later that month; he worked in several divisions within the mill, and retired in 1993 after 39 years.

Jim took dancing lessons and has always loved to dance. He met Lana Neil Stockard, the love of his life, at a dance, and they married in 1963. They have been married 47 years. They have two children, two grandchildren and one great-grandchild.

Jim enjoys hunting, fishing and entering contests. He often caught steelhead on 4-pound-test line and a little black jig. He hunted with bow and rifle and usually was successful. His contest winnings include a new computer, gaming systems, numerous smaller prizes and a new Jeep.

Look for the next issue of

Monday, January 3

Golden Times

in senior living!

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Merry Christmas and Best Wishes for the coming new year!

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Seniors can dance twice in Clarkston Dancers can cut a rug to Moore Country from 7 to 10 p.m. every Tuesday at Asotin County Gerontology Center. On Thursdays from 6:30 to 9:30

p.m., they can dance to the Heustis Band.

The Asotin County Gerontology Center is at 832 Sixth St. in Clarkston.

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The Valley Diabetic Support Group has set its next meeting for 7 p.m. on Dec. 13 at Trinity Lutheran Church at 920 Eighth Ave. in Lewiston.

A discussion on coping with diabetes during the holiday season will be followed by treats suitable for diabetics; everyone

who attends is asked to bring a diabetes-friendly treat and the recipe.

All diabetics and their family members are invited to attend.

More information is available by calling Arlene Mansfield at (208) 743-6676.

Saxophone quartet to play for retired feds Chapter 515 of the National Active and Retired Federal Employees Association has set its monthly luncheon meeting for noon Dec. 15 at Macullen’s Restaurant at 1516 Main St. in Lewiston.

The program will feature Bill Perconti directing the LCSC Saxophone Quartet.

All current and retired federal employees are invited to attend.

More information is available by calling (509) 758-8791.

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Christmas Eve. Sons of Norway is open to anyone of Scandinavian descent or those interested in Scandinavian culture. Meetings are at 1 p.m. on the third Saturday of the month at the Pautler Senior Center.

More information is available by calling (208) 798-8617 or (208) 743-2626.

Diabetic support group to discuss holiday survival

Royal Plaza... for the best Assisted Living Services

The Sons of Norway Elvedalen Lodge No. 129 will meet at 1 p.m. Dec. 18 at the Pautler Senior Center at 549 Fifth St. in Clarkston. A Christmas potluck will be followed by a short business meeting. The members will then assemble cookie plates that will be delivered to public servants who work the night shift

M O N D A Y, D E C E M B E R 6 , 2 0 1 0

BIRTHDAYS

dec. 10  Ruby L. Riendeau Ruby L. Riendeau will celebrate her 80th birthday with an open house from 1 to 5 p.m. Dec. 10 at the Clarkston Quality Inn. All are invited.

Ruby was born Dec. 10,

dec. 5 Tregellas. They both worked for the U.S. Forest Service.

Larry died in 1994.

Louise has three children and two grandchildren in Arizona.

She enjoys sewing, painting, reading and gardening.

She and Tom Reilly enjoy dancing and traveling in their motor home.

dec. 6  Emil Silflow Emil Silflow of Lewiston celebrates his 90th birthday today. He was born Dec. 6, 1920, to Fred and Iona Silflow in Cameron.

Emil followed in his father’s footsteps and made farming and ranching his life’s work. His true love

was working with horses, and every winter he was eager to hitch up his team and take local children for sleigh rides.

He and Doris married in 1945, and they raised three sons. In addition, he now has eight grandchildren and four great-grandchildren.

His family had a celebration for him over Thanksgiving at Guardian Angel homes, where he lives. He enjoys visits from friends.

dec. 7  Ruth Damman Ruth Damman of Lewiston will celebrate her 80th birthday Dec. 7. She was born Dec. 7, 1930, the youngest of three girls to Harry and Martha Edwards of Lewiston.

She married Leo Damman in 1947, and they moved to Grangeville and reared five children. Ruth worked in customer service. After Leo died in 1987, she moved back to Lewiston to be closer to her daughter.

Ruth enjoys spending time

with family and friends, playing cards and going to the movies.

In addition to four of her children, Ruth has 14 grandchildren and 12 great-grandchildren.

1930. She raised three children and has stayed active in her community. She spends her winters in Arizona, travels and enjoys her grandchildren, bowling, golf, pinochle, bridge, darts and billiards.

She crochets and is a great cook and seamstress. She has a green thumb.

dec. 11  Warren Berkheiser Warren Berkheiser of Orofino will celebrate his 88th birthday Dec. 11. He was born Dec. 11, 1922, in New Haven, Ind. He served three years in the U.S. Army Artillery during World War II. He began with

pack mules and ended in mechanics behind Gen. Patton.

Warren retired from GE engineering in 1987 and moved to Orofino in 1989.

He enjoys reading mysteries and working crossword puzzles in ink.

dec. 12  Lawrence Wassmuth Lawrence Wassmuth of Grangeville will celebrate his 90th birthday Dec. 12.

He was born Dec. 12, 1920, at home in Greencreek to Clem and Elizabeth (Schmidt) Wassmuth. He graduated from Greencreek High School in 1939. For several years he pitched for the Greencreek baseball team.

Lawrence served in the U.S. Navy as a radar operator on the aircraft carrier USS Sitkoh Bay in the Pacific Theater.

He married Dorothy Wilson at St. Anthony Church in Greencreek in

1948, and they reared nine children. He worked as a sawyer for 40 years in the sawmills of Grangeville.

Lawrence has been a member of Sts. Peter and Paul Church in Grangeville for nearly 62 years. He is a man of many talents; he is

the one people call for help with a cranky appliance or a noisy engine. He enjoys steelhead fishing, gardening, working in the shop and visiting with family and friends.

In addition to his children, Lawrence has 18 grandchildren and four great-grandchildren.

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 Louise Tregellas Louise Tregellas of Cavendish celebrated her 79th birthday Dec. 5. She was born Dec. 5, 1931, in Botivia, Ill. She moved to Arizona in 1955 and then to Alaska in 1977.

She moved to Orofino in 1990 and married Larry

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322 Thain Road • Lewiston • 746-2377

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lewiston tribune

G o l de n T imes prints original poetry from seniors on a space-available basis.

Please include your age, address and phone number (address and phone will not be published).

Send poetry to: Golden Times l Lewiston Tribune l PO Box 957 Lewiston ID 83501 l (208) 848-2243

His and Hers

M ON D A Y, D E C E M BER 6 , 2 0 1 0

BIRTHDAYS Dec. 13  Ruth (Darrah) Root Ruth (Darrah) Root of Orofino will celebrate her 81st birthday Dec. 13. She was born Dec. 13, 1929, in Des Moines, Iowa.

She attended Drake University in Des Moines, earning a BFA in art education. She taught in Whittier, Alaska, for two years and then took an MFA in ceramic arts from Ohio

State University. She then taught two years in Kenai, Alaska, before marrying George Root in 1960 and living on his homestead until 1965, when they moved to a farm outside Orofino. After his death she moved to Orofino.

Ruth is a member of the Clearwater Art Association.

dec. 14  Mary Elizabeth (Betty) Stedman Mary Elizabeth (Betty) Stedman of Lewiston will celebrate her 80th birthday Dec. 14. She was born Dec. 14, 1930, to Ralph and Eva White Arbuckle in Winchester.

She attended school in Lewiston and Culdesac and graduated from Lapwai High School in 1948 and attended New Bible Institute in Seattle.

Betty married Sam Stedman in Kendrick in 1950 and they reared five children. They were pastors in Oregon and Clarkston and then did missionary work in Red China for many years. They served as pastors at Victory Tabernacle in Clarkston for 20 years.

She enjoys gardening, sewing, playing piano, quilting and volunteering. She taught Sunday school and Vacation Bible School. Betty and Sam attend Blessed Hope Assembly of God in Lewiston.

In addition to her children, Betty has 10 grandchildren and 11 great-grandchildren.

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 Ardelle Thimmesch Mellstrom Ardelle Thimmesch Mellstrom of Clarkston will celebrate her 75th birthday Dec. 16.

She was born Dec. 16, 1935,

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Ardelle graduated from Lewison High School in 1953, and a few months later, when she turned 18, she joined the WAC and served two years, mostly in Virginia and North Carolina.

After she returned to Lewiston, she worked for a short time at First National Bank at Fifth and Main.

She married and moved to Hawaii and then moved to

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Buffalo, N.Y. She divorced and married Gary Mellstrom in 1974. She worked as a surgical assistant to Drs. E.M. Baldeck and John S. Kundrat for 30 years. She retired in 2005.

Ardelle has six children, ranging in age from 19 to 52, eight grandchildren and five and a half great-grandchildren. She enjoys reading, the computer, making cards for friends and family and spending summers on Williams Lake. She also enjoys baseball and traveling to the Oregon coast and to Hawaii.

Ardelle collects lighthouses.

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BIRTHDAYS

Times of Old I see it in the faces of people I have met.

They tell of places they have been with no regrets and some places still to go. They tell me sometimes time moves so slow. They show me photos of them long ago and it does not look like time has been slow but yet it seems so long ago. They tell me once I was young and full of fun, and now I am so old. But, there once was a time not so long ago when those before me told me the same story. It’s our days now of old.

dec. 19 ď ˇ Lura Verniece Groseclose Lura Verniece Groseclose of Juliaetta will celebrate her 93rd birthday Dec. 19. She was born Dec. 19, 1917, near Juliaetta, one of five children born to Edward and Dixie Groseclose. She has lived at Teakan, Agatha and Bovill, but Juliaetta has been her home for nearly 75 years.

She married Clifford Nelson in Orofino in 1935, and they reared one daughter.

He died in 1948.

She married Ray Butler in the 1970s. and he died in 1996.

Lura enjoys attending church and Bible study, working in her yard and writing.

She also enjoys drawing with pencil and hearing from family and friends.

Two of Lura’s sisters are still living, and in addition to her daughter, she has four grandchildren, nine greatgrandchildren and five greatgreat-grandchildren.

dec. 21 Aircraft in Burbank, Calif., and from 1946 to 1967 he worked as a gyppo logger and at sawmills in Harpster and Clearwater.

He married Esther L. Griner in Grangeville in 1943, and they reared four children. One son died in 1985.

He ran a 240-acre-cattle ranch with his family in Clearwater until 2005, when he and Esther moved to Lewiston. He was an active member of Clearwater Baptist Church, where he was a deacon and Sunday school teacher.

He enjoyed fishing and hunting, chopping wood, building fence, carpentry.

In 1967, he went to work as an instructor of carpentry at the Cedar Flats and

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Centers. He retired from the U.S. Department of Agriculture in 1983.

In addition to his three children, Jack has eight grandchildren, 20 greatgrandchildren and five great-great-grandchildren.

One grandchild has died.

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ď ˇ Earl (Jack) Sotin Earl (Jack) Sotin of Lewiston will celebrate his 90th birthday with an open house from 2 to 4 p.m. Dec. 19 at Tammany Baptist Church, 3732 20th St. in Lewiston.

All are invited. His children and their families will serve as hosts for the event.

Jack was born Dec. 21, 1920, in Orofino to Alfred and Flora Sotin. Until he was 5, Jack was raised by his grandmother, who was a Civil War widow. His stories are family treasures.

From 1941 to 1946, Jack worked for Lockheed

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M ON D A Y, D E C E M BER 6 , 2 0 1 0

BIRTHDAYS

dec. 25 Rock Creek Grange in 1952, and she has held numerous offices in the organization.

She is also a member of the Pomona and State Grange.

Lyle worked at the mill in Potlatch and died in 1976.

Dortha was a companion and caregiver to Ray Bell, a neighbor at Rock Creek, until he died in 1995, and later she was a companion and caregiver to Charles Bower of Kendrick until his death in 2007.

She enjoys playing pinochle with friends at Rock Creek, and she enjoys sending e-mail to friends and family.

In addition to her children, Dortha has six granddaughters and seven greatgrandchildren.

?

Happy Holidays

dec. 26  Mary Kay (Frei) Jungert Mary Kay (Frei) Jungert of Clarkston will celebrate her 70th birthday with an open house from 2 to 4 p.m. Dec. 29 at the Holy Family Parish Center in Clarkston. All are

welcome.

Mary Kay was born Dec. 26, 1940, in Cottonwood to John R. and Marie E. Frei.

She married Guy Jungert in Ferdinand in 1959, and they reared nine children.

Her life has been blessed with family and friends. In addition to her children, Mary Kay has 24 grandchildren.

dec. 27  Wanda Head Wanda Head of Orofino will celebrate her 77th birthday Dec. 27. She was born Dec. 27, 1933, in Orofino and graduated from Orofino High School in 1952. She worked

as the postmaster in Peck for 25 years and retired in 1999.

Wanda married John Apfelbeck in 1977.

She enjoys staying home, traveling and bowling.

dec. 28  Carl Day Carl Day of Orofino will celebrate his 91st birthday Dec. 28. He was born Dec. 28, 1919, to Carl and Orba Day. They moved to Declo, Idaho, when he was 9 and he graduated from high school there in 1937.

Carl moved to Anderson, Calif., in 1942 and married Mary Thompson in 1945 and

they reared a son and daughter. They were late divorced.

Carl worked at the Kimberly Clark saw mill at Anderson for 32 years as the shipping supervisor.

He married Dorothy Meyer in 1965. They moved to Orofino in 2000 to be near his son, and she died in 2009.

dec. 29

• Shopping • Cleaning • Baking And a loved one with Alzheimer’s.

 Milly Sue Smith Milly Sue Smith of Kooskia will celebrate her 77th birthday

Wedgewood Terrace Assisted Living has a great Adult Day/Night Care.

Dec. 29. She was born Dec. 29, 1933, to Leroy and Sarah Parks in Grangeville. She attended schools there and in Kooskia and Clear Creek.

During World War II, Millie and her mother spent two years on the lookout tower

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 Dortha Jean Headrick Dortha Jean Headrick of Moscow will celebrate her 80th birthday Dec. 25.

She was born Dec. 25, 1930, in Moscow to Mattie Gains Clark. She grew up in Pullman and graduated from Pullman High School in 1950.

She met Grover Eliel (Lyle) Headrick when they were learning to square dance. They married in Moscow in 1951 and moved to Rock Creek outside of Potlatch. They reared four children.

Dortha and Lyle joined the

at Frenchman Butte.

She married Lewis Lyons, and they later divorced.

In 1968, she married John M. Smith and they operated the Syringa Cafe until 1972. Milly worked for Kooskia Drug for several years, cooked for Youth Conservation Crews at Fenn Ranger Station and was the caretaker for the Selway campgrounds. In 1989, she started Syringa Sue’s Wild Jelly business, which she sold to her daughter-in-law in 2002.

Milly reared three sons, one of whom died at 17.

Milly’s enjoyment comes from her family and being outdoors.

In addition to her children, Milly has nine grandchildren and 12 great-grandchildren.

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birthdays

 Birthday policies

in 1986, and Victoria married George Fosket in 1997; he died in 2004.

Victoria worked as a seamstress for City Dyeworks for 16 years. She is a member of the Lewiston Eagles, R.E.A.C and Clarkston Gerontology. She enjoys sewing and dancing, and she was a line dancing leader at the Lewiston Community Center for 12 years.

In addition to her children, Victoria has 13 grandchildren, 31 great-grandchildren, 21 great-greatgrandchildren and numerous stepgrand and great-greatgrandchildren. She also has numerous nieces and nephews in the LewistonClarkston Valley.

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Birthdays starting at 70 and every year after that will be published in Golden Times. Please limit the information to 200 words.

Birthday information should be submitted before the 20th of the month preceding publication and should include the name and phone number of the person to contact for more information. If you would like your photo returned, please include a selfaddressed, stamped envelope.

If you have questions on submitting a birthday, please call Golden Times at (208) 848-2243.

Send information to: Golden Times P.O. Box 957 Lewiston, ID 83501 OR bjohnson@lmtribune.com The deadline to submit January birthdays is Dec. 20.

Got an opinion on a timely issue?

Vote in the Tribune’s weekly online poll. Go to www.lmtribune.com and let your voice be heard.

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dec. 31  Victoria L. Rose Victoria L. Rose of Lewiston will celebrate her 95th birthday with an open house from 2 to 5 p.m. Dec. 31 at the Granite Lake RV Resort club house at 306 Granite Lake Drive (behind Costco). Her children and their families will serve as hosts for the event.

Victoria was born Dec. 31, 1915, in Melrose, between Gifford and Reubens, to Abraham and Hattie (Denney) Latham. She was the youngest of nine children.

She attended schools in Melrose and Reubens and graduated from Reubens High School in 1934.

She married Jim Rose in Lewiston in 1935, and they reared five children. He died

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lewiston tribune

M ON D A Y, D E C E M BER 6 , 2 0 1 0

For the love of music Mildred McGahey of Lewiston has been teaching students since she was 16

By Mary Tatko

Of Target Publications

Mildred (Millie) McGahey, 80, has been teaching piano lessons since she was 16 years old, and today she is just as excited about music, and about sharing it with others, as she was 64 years ago.

McGahey accompanied student Thomas Pearson, 14, to Tacoma in November for the Washington State Music Teachers Association 2010 Outstanding Artist Competitions, where Pearson earned an honorable mention. During a lesson while she was helping him prepare for the competition, McGahey was overcome by emotion and began to cry.

“Are you hurting,” he asked her, startled.

“No!” she said. “I’m happy!”

Music has been central to McGahey’s life since she was a child. She took up piano at a young age, and by 10 was playing at her church. At 13, she began working at a music store in Renton, Wash., where she continued until she was 18.

She attended school at Maple Valley, near Renton, where she played piano for operettas and learned 30 instruments, nearly every instrument in the band, including the sousaphone. She helped start the school’s first pep band, and she also loved to sing.

“I’ve always been a ham,” she said. “I love to play for people.”

After briefly attending Central Washington College of Education in Ellensburg, she married Bob Britt, moving to Lewiston in 1952.

Britt, a guitar player, was the character High Pockets on “The Cowpoke Show,” which was broadcast live from the television

Tribune/Barry Kough

Thomas Pearson, 14, of Lewiston works through several pieces for his music teacher Mildred (Millie) McGahey, including “Rondo ala Turka” and the “Ben Hur Chariot Race.”

“I’ve always been a ham. I love to play for people.” — Millie McGahey studio in downtown Lewiston.

She was, somewhat reluctantly, Mrs. High Pockets.

“They were always chasing me around, trying to get me on camera,” she said.

She has fond memories of the program, though, during which she would lead children in songs such as “Little White Duck.”

Over the years, McGahey returned to school, earning a bachelor’s degree in elementary education from Lewis-Clark

State College and a master’s degree in adult education from the University of Idaho. She taught adult education at LCSC for 16 years, where she was a reading specialist.

But her heart always has been with music. She taught accordion and guitar classes at a studio in Clarkston, where she had about 160 students; taught guitar at the YWCA; and taught singing to preschool children at Head Start.

She has a son and a daughter, and when her daughter, Barbara, was younger they often played together. “She plays beautifully,” McGahey said.

Pearson is one of about 15 piano students McGahey teaches at her Lewiston home. She was teaching more than 20 up until a few years ago, when her “health went bad.”

A combination of asthma, allergies and emphysema made simply taking a breath an impos-

sible act at times. A series of small strokes affected the dexterity in her hands. And McGahey is diabetic, as was her mother who lost a foot and part of her leg to the disease.

Avoiding sweets, keeping an inhaler handy and always having someone accompany her to doctor appointments has been key, she said, to getting her health back on track.

She had hand surgery about three years ago but continues

 See MUSIC, Page 11

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MUSIC

“I want to share music. I want them From page 10 to like their music as much as I like play piano at the Church Jesus Christ of Latter-day mine.” — Millie McGahey

to of Saints where previously she had played the organ for 29 years.

And though playing the piano has become more difficult, her gift for helping others learn the instrument is undiminished.

“I want to share music,” she said. “I want them to like their music as much as I like mine.”

She encourages her students with kindness, getting and giving hugs as her students arrive and depart from their lessons.

But she expects effort and isn’t satisfied when students don’t practice.

It’s a tradition for McGahey’s students to play for the residents at the Idaho State Veterans Home, where they are known as Millie’s Angels.

She keeps their feet firmly planted on the ground, though, with a sign near her piano that reads: “Even angels have to practice.”

During a life that’s included going on the road with her first

husband’s band, helping her second husband, the late Rex Yates, build an airplane and a sailplane (she learned riveting and how to stitch and knot sailcloth to wings) and finding love again with Newell McGahey, her husband of 15 years, she has enjoyed every adventure, McGahey said.

Newell, 84, loves music almost as much as his wife does.

It was music, the accordion specifically, that brought them together.

“He tried to get me to give him some lessons,” she said.

“That was his excuse for seeing me at first.”

The have an accordion collection, including one from the late 1800s given to McGahey by her mother. From time to time, they have played together at church, she on the guitar, he

Tribune/Barry Kough

Millie McGahey and student Thomas Pearson review his lesson at McGahey’s home. on the accordion.

It’s corny, she said, but they get along so well the only thing they ever disagree about is who loves the other more. He insists

he loves her best, she said no, she loves him better.

“That’s the only argument we’ve ever had,” Newell said, nodding.

 Tatko may be contacted at mtatko@lmtribune.com or (208) 848-2244.

serving your community The WA-ID Volunteer Center in the Lewiston Community Center at 1424 Main St. provides individualized volunteer opportunities for those wishing to serve in Lewiston, Clarkston, Asotin, Pomeroy, Moscow and the Orofino area.

The phone number is (208) 746-7787 or toll free at (888) 546-7787.

The WA-ID Volunteer Center is on the Internet at www.handsonidaho.org or www.waidvolunteercenter.org, www. myspace.com/yourvolunteercenter, twitter.com/wa_id_volunteer or www. facebook.com/pages/WA-ID-VolunteerCenter-Inc. The following are a few of the volunteer opportunities available in December.  Do you like to help people?

Come join the AARP Tax Aide program and have fun helping people.

The program will provide volunteers with training to prepare basic individual returns using the TaxWise computer program. Federal and Idaho state income taxes for lowto-middle income and senior citi-

zens will be prepared. All material and training will be provided at no cost. A five-day training session will be in January. For more information call Camille Holley at (509) 7584309.  Are you someone with a passion for cooking? The Moscow Friendly Neighbors Senior Nutrition Site located at the historic 1912 Building is in need of a new cook.

Training with the current cook and assistant cook will be provided. The time commitment is approximately 30 hours a week. More information can be obtained by calling the volunteer center and speaking with Cathy or Adrienne at (208) 746-7787 or toll free at (888) 546-7787.  Party with a puppy! Socializing puppies at the Lewis Clark Animal Shelter will make them more adoptable help them be better behaved dogs when they are adults.

Call Adrienne at (208) 746-7787 for more information.

 Remember how nice it was to come home after school to a fresh snack your mom had made? Now you can share that love by making grilled cheese sandwiches for hungry kids after school at the Clarkston Boy’s and Girl’s Club.

Volunteers cook — the staff serves and does the dishes. The commitment is one hour twice a month.

Call Adrienne at (208) 746-7787 to sign up.  A driver’s license, a car and a smile are all you need to qualify for one of the most rewarding volunteer activities available today.

Shut-ins count on the kindness of volunteers to bring them their meals. Double the fun by driving with a friend or family member.

Meal delivery volunteers receive route training and may qualify for mileage reimbursement. Call Cathy at (208) 746-7787 or stop by our office for more information.  Thanks to you, the store is

growing. Customers have discovered the great bargains on surplus building materials, doors, windows, furnishings and other items at the Habitat Store in Lewiston. The proceeds from sales go to help build houses for our Lewis-Clark Valley families in need. But to continue to be successful, we need volunteers.

Call (208) 746-7787 for more information.  The new Fit for Life Fall Prevention Program in Asotin County is seeking volunteer coaches to guide participants in simple exercises in Fall Prevention Classes.

Training is provided. Several days and locations to choose from as well. Call Marlena at (208) 7467787 to learn more about this exciting new program.  LCSC international students need to practice their English.

Would you be willing to talk with

 See SERVING, Page 12

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M ON D A Y, D E C E M BER 6 , 2 0 1 0

SERVING YOUR COMMUNITY

SERVING

From page 11

them an hour a week? The setting would be casual ... on the LCSC campus, outside, in the library, the SUB

or some other comfortable location. The commitment is eight weeks. Call Adrienne at (208) 746-7787 for information.  Do you believe in empowering our youth to ensure their greatest future? America Reads reading tutors sit with students who struggle to read and provide an opportunity to improve those reading skills. Ninety four percent of the children who received help in the 2009-2010 school year were brought up to their reading level, and 100 percent showed improvement. No teaching experience is necessary to join the America Reads team. Call Cathy at (208) 746-7787 or toll free at (888) 546-7787 to find out more about this rewarding opportunity. Openings will begin again this month.

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 After months of restoration, the LCSC Center for Arts and History has moved back downtown. We are currently seeking volunteer museum hosts. This is a per-

Being able to hear a child’s voice can help bring out the child in you!

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 Is organizing parties and events a talent you’d like to utilize in volunteering? If so, the American Red Cross Disaster Services might be a good place for you to shine. Call Adrienne at (208) 746-7787 today.

 Disability Action Center offices in Lewiston and Moscow have receptionist positions available; they encourage folks with disabilities to apply. Call (208) 746-7787 and ask Cathy for more information.

 People persons are encouraged to call Adrienne today at (208) 746-7787 to learn more about how your people skills can be used help the American Red Cross Disaster Services with public relations, the reception area of the office, scheduling trainings and more.

 Volunteer from home: Project Warm Up volunteers make hats, scarves, mittens and lap robes and our office distributes them to the local community. Yarn is provided for your use. Call (208) 746-7787 or toll free at (888) 546-7787 for more information.

 For about two hours a week of your time, you can be a Girl Scouts volunteer leader and help girls age 5-17 build strong values, social conscience, self-esteem and conviction about their own potential and self-worth that will

 Do you like clothes?

Do you like to organize things? The St. Vincent de Paul benefits from volunteers who organize and care for donated gently used clothing. Volunteers also work with clients and client advocates to find clothes in the clothes bank.

Interested? Call (208) 7467787 and ask Adrienne for more information.

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fect job to do with a friend, spouse, sister, dad etc. The current exhibit is Women and Horses. Volunteer inquiries can be directed to Adrienne at (208) 746-7787.

Hours: Monday - Friday 9-Close Evenings & Saturdays by Appointment

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 The St. Vincent de Paul is seeking a compassionate people oriented individual to serve as a client advocate. Advocates meet with clients, assess client’s needs (such as clothing, food, shelter, household items etc) and set them up for services through the Society of St. Vincent de Paul. Call (208) 746-7787 and ask Adrienne for more information.  Yes, you will make a difference. You can become a volunteer for the American Cancer Society.

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 See SERVING, Page 13

M O N D A Y, D E C E M B E R 6 , 2 0 1 0

serving your community

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From page 12

to one-on-one counseling and more. (208) 746-7787.  Bakers needed. If you like to bake, give us a call.

Several great organizations in the valley could benefit from your generous gift of baking during the holiday season. Call (208) 746-7787 and tell Adrienne you want to bake.  Volunteer from home! Are you organized and like to talk to people on the phone? The Civic Theatre needs someone to schedule ushers for its plays. This is a long term opportunity. If you are interested, please contact Cathy at (208) 746-7787.

“Christmas, my child, is love in action. Every time we love, every time we give, it’s Christmas.” — Dale Evans Rogers

Complete and compelling. All the news you need.

Pasadena, here we come As boomers age, 1 in 5 drivers will be oldsters

By JOAN LOWY

of the Associated Press

WASHINGTON — Remember “The Little Old Lady from Pasadena?” Baby boomers who first danced to that 1964 pop hit about a granny burning up the road in her hot rod will begin turning 65 in January. Experts say keeping those drivers safe and mobile is a challenge with profound implications.

Within 15 years more than one in five licensed drivers will be 65 or older, the National Transportation Safety Board said. Their number will nearly double, from 30 million today to about 57 million in 2030, according to the Government Accountability Office.

Smarter cars and better designed roads may help keep them stay behind the wheel longer.

But eventually most people will outlive their driving ability — men by an average of six years and women by an average of 10 years. And since fewer Americans relocate when they retire, many of them probably will continue to live in suburban

homes.

The result is a “mobility gap,” said Joseph Coughlin, head of the Massachusetts Institute of Technology’s AgeLab, which

 See PASADENA, Page 14

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When choosing the Traditional Celebration option, personalized service is as important to us as it is to you. We offer a personalized memorial service which includes a committal service and a family and friends gathering.

Applications are being taken at this time for veterans and spouses/widows who are in need of skilled nursing care.

Community Celebration The Community Celebration provides an avenue for the community to celebrate a life lived.

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Family support is important throughout life. With our Family Celebration, you can celebrate the life of your loved one with a limited private family viewing and a private family service.

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services and the Cancer Resource Center are just a few ways you can get plugged into this fantastic group. Volunteers will be trained. Call (208) 7467787 today for more information.  Team up with others to put an end to poverty in our Valley. The LC Valley Circle Initiative team members empower people to self-organize and work their way out of poverty.

Call today to see how many different ways there are to become involved in supporting this life-changing movement, from preparing a meal to providing childcare during meetings

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PASADENA

From page 13

develops technologies aimed at keeping older people active.

“For many, our homes will not be just a place to age, it will also be house arrest,” said Coughlin.

Older drivers who are healthy aren’t necessarily any less safe than younger drivers. But many older drivers are likely to have age-related medical conditions

that can affect their driving.

A 40-year-old needs 20 times more light to see at night to see than a 20-year-old, Coughlin said. Older drivers generally are less able to judge speed and distances, their reflexes are slower, they may be more easily confused and they’re less flexible, which affects their ability to turn so that they can look to the side or behind them.

Fatal crash rates for older drivers compared with other age groups begin to increase starting at about age 75, according

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to the Insurance Institute for Highway Safety. Drivers over age 85 have a worse fatality rate than teenagers and drivers in their early 20s.

The main reason is that older drivers are more frail and less likely to survive an accident or recover from injuries, according to the institute. Older drivers primarily kill themselves in crashes, with these accounting for 61 percent of deaths in accidents involving drivers 70 and older. Sixteen percent of the deaths were their passengers.

Many older drivers compensate for the erosion of their driving abilities by changing their driving habits.

“I’m never in a rush,” said Grace M. Sanders, 87, a retired secretary in Atlanta. She takes care to map out a route in her mind before she leaves the house. She avoids driving near construction sites. If it’s raining, she stays home.

But even though she could take the bus, it’s important to Sanders that she keep her car.

New technologies, some of them borrowed from the military and commercial aviation, may help older drivers stay behind the wheel longer, and more safely. Crash warning systems using sensors embedded in the car can alert drivers to an impending accident. They can even override the driver and apply the brake. Similar technology can parallel park the car.

Night vision systems can help with one of the most frustrating problems for older drivers.

Not every remedy involves new technology. Sometimes it’s

M ON D A Y, D E C E M BER 6 , 2 0 1 0

Associated Press

Harriet Butler, 99 (left) and her daughter Marcia Savarese, 73, are photographed at their home in Vienna, Va. just a matter of making dials larger so they’re easier for drivers to find. A strap can be added to hold onto when getting in and out of a car. An extended mirror can help drivers avoid turning around as much.

Better designed roads may also help. For example, traffic “roundabouts” that gently ease drivers into turn circles with no traffic lights could help reduce left turn-related crashes, which make up a disproportionate share of the accidents that kill older drivers.

What’s not being addressed is how to keep older Americans mobile after they lose their driving skills, said University of Arizona professor Sandra Rosenbloom, an authority on the transportation implications of trends such as an aging population.

Public transportation isn’t a

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realistic option for most people who have lost the ability to drive, Rosenbloom said. By the time that happens, the physical and mental conditions that made driving untenable are also likely preclude hiking to a bus stop, especially if there’s no bench.

The act of getting on and off a bus can be prohibitive. Many older people — especially those over 80 — also worry about losing their balance on a bus and fear being victimized.

Marcia Savarese, 73, began driving when she was 16. In 2008, she suffered a stroke and didn’t drive for a year. Instead, she depended on friends, expensive taxis and delivery services.

Now, she’s back on the road despite a loss of some of her peripheral vision. To compensate, she said she’s trained herself to turn around to look more than before. She rarely drives at night, and she stays off the interstate. She does much of her grocery shopping and other errands early in the morning when parking lots are nearly empty. Rarely does she drive more than a few miles from home.

“I feel it is safer for other people if I stay right in the local area that I know,” said Savarese, a widow and retired estate jewelry dealer in Vienna, Va. She didn’t want to move from her neighborhood, where she has lived for the past 40 years.

“I’m more comfortable here,” she said. “My friends are here, my doctors are here, everything is here.”

l e w i s t on t r i b u ne

Hospice patient’s rite of passage inspires others

By Manya A. Brachear of the Chicago Tribune

CHICAGO — Inside her hospice room, Fern Kravets has spent her finals days preparing others for her passage from life to death.

Diagnosed with ovarian cancer more than a year ago, she struggled with the reality that her life was slipping away. But she forged ahead with treatment, all the while continuing to check chores off her list.

Earlier this fall, in the chapel of Midwest Palliative & Hospice CareCenter, Kravets checked one last overdue chore off her list.

Surrounded by family, friends and rabbis, she celebrated her bat mitzvah, the Jewish rite of passage that traditionally marks the transition from youth to adulthood.

“This is so much more than I dreamed it could be,” said Kravets, 67, after the brief ceremony in September. “... The feeling I have in my soul, the

warmth, security, love, spirit that God is with all of us and will always be with all of us and keep us always together.”

“Always together,” she repeated under her breath.

Kravets, the first woman to celebrate a bat mitzvah at the Midwest CareCenter, has taught patients, staff, friends and family that life’s every moment is precious and there can be joy, even in pain, especially when family is near.

On Nov. 9, more than two

15

months after the ceremony, her family gathered around her bedside, listening carefully to each fading breath, fearing it would be her last.

Rites of passage have always been Kravets’ specialty. As a middle school guidance counselor, she equipped teenagers for the transition to high school. As a mother, she taught her four children values of hard work, compassion and generosity that

 See INSPIRES, Page 16

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This undated photo provided by family shows Fern Kravets, a dying woman who spent her last months studying for her bat mitzvah.

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reader poetry

INSPIRES

From page 15

Christmas Snow falls slowly through the day, covering every tree and bush, night falls, the moon shines on shadows, roads and lanes.

Shoppers rush seeking gifts, there’s cards to write,

cookies and candies to do, to make Christmas bright.

Planning parties and dinners, and who should

they invite?

All of the rushing to get it done causes sleepless

nights.

Don’t be stressed, recall the reason we celebrate

this special day.

Many years ago a child was born in a land

so far away, God sent his only son to lead us in his way.

In a lowly stable Mary gave birth to Jesus,

the Savior of the Earth.

So, rejoice! This Christmas, celebrate his noble birth.

— Eva Herring, 80, Lewiston

would lead to success.

As a grandmother, she helped her grandchildren prepare for their b’nai mitzvot, learning Hebrew and studying portions of the Torah that corresponded with their 13th birthdays.

Watching her grandson tackle a second language while grappling with autism inspired her to prepare for her own bat mitzvah — a ritual most Jewish girls of her generation didn’t celebrate.

“Women were never empowered around their Jewish education (when Kravets was growing up,) although Judaism was always very important to Fern,” said Rabbi Wendi Geffen, one of Kravets’ teachers.

Raised as a Reform Jew, her parents attended North Shore Congregation Israel. Her father, Herbert K. Nelson, a savvy businessman and powerful lawyer, battled heart problems and stomach ailments most of his life and died at age 51. His success amid suffering taught her

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“Even grandchildren can be sources of inspiration. And now I can truly say, ‘L’dor va dor,’ from generation to generation.” — Fern Kravets the importance of overcoming adversity.

“She hated the word can’t,” said her son Howard Kravets, 39.

But since beginning her bat mitzvah preparation in the fall of 2008, there have been plenty of opportunities to find an excuse.

In June 2009, she was diagnosed with ovarian cancer. In November of that year, her mother died. In the spring, during a Passover seder at her daughter’s home in Las Vegas, her husband, Robert, suffered a heart attack. By the time they returned home a month later, her disease had advanced.

In early September, doctors advised her to seek hospice care. She pleaded for surgery, despite cautions that it would not cure her, much less alleviate her pain.

“She loves life and doesn’t want to be away from it for one day, for one minute,” said her daughter Lisa Columbus, 43.

Jewish tradition teaches people never to give up on life. “If you’re killing your soul and maintaining your body, you’re not upholding life,” Geffen said.

Kravets transferred to hospice two weeks after the surgery with doctors predicting she only had

a few days to live.

Just when all hopes of celebrating her bat mitzvah were dashed, Kravets decided to nurture her soul and celebrate there.

Though Geffen wanted to do it immediately, Kravets risked waiting a few more days for everyone in the family to get there.

She based her message on the unlikely inspiration Moses received from his father-in-law Jethro in the Hebrew Bible.

“Even grandchildren can be sources of inspiration,” Kravets wrote. ... And now I can truly say, ‘L’dor va dor,’ from generation to generation.”

The moment overwhelmed many in the room. “To watch her accomplish this as her last piece of unfinished business was an inspiration for everybody,” her son Michael Kravets, 37, said.

Brenda Clarke, 44, said she was happy to see her mother doing something for herself after doing so much for others, but also giving the family one more gift. “(Judaism) has always been a part of her and she’d passed it on to us,” Clarke said. “She was saying it’s there for you if you need it.”

Fern Kravets died Nov. 13.

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l e w i s t on t r i b u ne

reader poetry November Voices

Trying to Get Breakfast

Christmas Cheer

Son, you might steer a man in space Or maybe smooth a wrinkled face, Successfully patch a beating heart, Learn to take a gene apart.

Creeping around on the kitchen floor Trying to get breakfast From the sink to the stove to the cupboard door Back and forth and then some more Trying to get breakfast

Big deal!

I mean, that’s all very fine.

Can’t see too well this time of day Trying to get breakfast So many things get in the way I sometimes think it does not pay Trying to get breakfast

Christmas is here a time to cheer A time to thank God that Christ was born Let the angels sound their horns When Christ came to Earth There is reason he came That is why we have the Christmas season To celebrate his special birth God loves the Earth so much and all of us That he gave us his only son, Christ Thank you God for the giftof your love!

Celebrate with joy

We’ve advised you of the other cheek That’ll gain you entry with the meek.

Dear boy, always opt for peace and love.

Let those others push and shove.

The cat lets out a plaintive wail Whenever I step on its tail I try to miss but to no avail Trying to get breakfast

Get real!

I mean, that’s your way, not mine.

— Yvonne Carrie, Lewiston

The coffee is weak and the toast is burned This leaves us both somewhat concerned Having to get breakfast

I’ll do better on the offense; Winners know that makes more sense.

Grab and gather without remorse; Nowadays that’s the only course.

A spider right outside the door Built his web just the night before If we tear it down he surely will be sore He is trying to get breakfast

It’s statesmen you’ll find me among, Charming morons with my tongue.

So stand aside or hold my coat.

All I want is your stupid vote.

— Laura Stilson, Lewiston

— Dan J. Williams, Lewiston

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G o l d e n T i m e s prints original poetry from seniors on a space-available basis. Please include your age, address and phone number (address and phone will not be published).

Send poetry to: Golden Times l Lewiston Tribune l PO Box 957 Lewiston ID 83501 l (208) 848-2243

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LEWISTON TRIBUNE

M O N D A Y, D E C E M B E R 6 , 2 0 1 0

Santa, Rudolph or Jesus We see the bright lights so pretty telling us Christmas is near As we shop the stores of our cities we can see lives filled with cheer.

We see young lovers laughing holding each otherâ&#x20AC;&#x2122;s hands, thereâ&#x20AC;&#x2122;s happiness in their glances as they shop for wedding bands.

Then we see mommies and daddies with all their children in tow, buying gifts to come from Santa wondering if theyâ&#x20AC;&#x2122;ll really know.

Here and there we see some parents enjoying a moment alone, theyâ&#x20AC;&#x2122;ll treasure a moment together knowing children are safe at home.

As we search the streets of our cities not much of Jesus is found in spite of the reason for Christmas, the image of Santa abounds.

We track the progress of Santa with reindeer pulling his sleigh.

Why, weâ&#x20AC;&#x2122;re more excited about Rudolph than we are for Jesus today.

Santaâ&#x20AC;&#x2122;s gifts are bought by man, bought to make our Christmas bright, but Jesus bought the most precious gift, the gift of eternal life.

If both Jesus and Santa are coming read the headlines of our news, if they both come on Christmas day I wonder which one weâ&#x20AC;&#x2122;d choose. â&#x20AC;&#x201D; Les Taylor, Clarkston

An Expression of Joy A work of excellence well written Is worth reading time and again Choosing words that edify Speaking the truth, no room for lies The choice is ours what we shall be Thereâ&#x20AC;&#x2122;s beauty in simplicity Look to the day when all language is pure When lasting values forever endure I wish to conclude with one last note The words of Shakespeare I shall quote â&#x20AC;&#x153;My words express my purposeâ&#x20AC;?

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M ON D A Y, D E C E M BER 6 , 2 0 1 0

Changes make reverse mortgages cheaper, shorter

By DAVE CARPENTER

Of the Associated Press

Buried in debt and struggling to pay her monthly bills, Robin Miles resisted a reverse mortgage as a possible way out of those problems.

It would cost a lot, she knew. It sounded gimmicky. And she worried about taking a big risk at an age when you canâ&#x20AC;&#x2122;t afford a mistake.

Reverse mortgages â&#x20AC;&#x201D; loans that allow borrowers age 62 or older to convert home equity into cash â&#x20AC;&#x201D; unquestionably are expensive. AARP says costs can commonly total 10 percent of the homeâ&#x20AC;&#x2122;s value. Yet Milesâ&#x20AC;&#x2122; other fears have proven unfounded so far, and taking a reverse mortgage gave her the financial breathing room she needed.

Reverse mortgages are most often used by seniors who want to stay in their house for the rest of their lives. Generally, the loans shouldnâ&#x20AC;&#x2122;t be their first option. Downsizing, moving to a more appropriate living situation or tapping any other assets first often makes more sense.

Still, some recent changes have widened their appeal. They include lower upfront fees and a new reverse mortgage thatâ&#x20AC;&#x2122;s insured by the government.

Such changes mean that now reverse mortgages can make sense to address shorter-term

considerations â&#x20AC;&#x201D; either for adding retirement income or for getting cash out of a home if itâ&#x20AC;&#x2122;s hard to find a buyer. An important plus for seniors is that the payments they receive are not taxable and donâ&#x20AC;&#x2122;t affect Social Security or Medicare benefits. â&#x20AC;&#x153;This is a loan where you really need to be careful to understand what your options might be,â&#x20AC;? says Barbara Stucki, vice president for home equity initiatives at the National Council on Aging, a nonprofit advocacy group. But in the right circumstances, she says, â&#x20AC;&#x153;it can provide more flexibility.â&#x20AC;?

Hereâ&#x20AC;&#x2122;s a closer look at reverse mortgages and how theyâ&#x20AC;&#x2122;ve changed.

Reverse mortgages work like regular mortgages, only in reverse. Instead of the homeowner paying the bank every month, the bank pays the homeowner. This can be in some combination of a monthly check, access to a line of credit, or a lump sum.

The amount a borrower can seek depends on several factors, including the homeâ&#x20AC;&#x2122;s value, current interest rates and the age of the borrower. The older the owner, the higher the amount.

If the home is owned by more than one person, the age of the youngest person determines the amount. A couple in their mid-

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60s who own a $250,000 home, for example, might be able to get $130,000 or more from a lumpsum reverse mortgage, according to AARP. Reverse mortgages are repaid from the sale of the home. And the amount becomes due, in full with interest, when the borrower moves, dies or fails to pay property

taxes or homeowners insurance.

Borrowers often were warned in the past to be cautious about these loans because of the potential for scams. The possibility of abuse has receded because there are virtually no private offerings any more. The Federal Housing Administration is behind todayâ&#x20AC;&#x2122;s loans. The FHA doesnâ&#x20AC;&#x2122;t make

loans itself but insures lenders against any losses on loans called Home Equity Conversion Mortgages, known as HECMs. AARP: /www.aarp.org/ m o n e y / c re d i t - l o a n s - d e b t / reverse_mortgages/ National Council on Aging: www.ncoa.org/independencedignity/home-equity.html

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