The Milestone Magazine Columbia Gorge Senior Living by Platinum Marketing

Fall/Winter 2023-2024

REAL ESTATE FOR SENIORS Some want to downsize, others are looking for new adventures

STARTING YOUR OWN BUSINESS Growing older doesn’t have to mean losing your entrepreneurial spirit.

RETHINK RETIREMENT COMMUNITIES Here’s how to find one that matches your active lifestyle.

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WHAT’S INSIDE Grief and Seniors............................................2 Rethink Retirement Communities.........4 Lower Your Risk of Stroke..........................6 Dating: Get Back Out There.....................8 The Role of Diet In Fitness......................10 Starting Your Own Business................... 12 Making the Most of Social Security...14 We’re Living Longer.....................................16 Senior Directory.............................................18

COVER STORIES

Real Estate for Seniors

Starting Your Own Business

Rethink Retirement Communities

Real Estate For Seniors............................ 22 Creating a Budget........................................ 24 Dealing With Medical Costs.................. 26 Creative Challenge Game....................... 28

THE MILESTONE | FALL/WINTER 2023-2024

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MILESTONE | DEALING WITH LOSS

Grief and Seniors One of the unfortunate realities of aging is loss. Seniors must contend with feelings of loneliness and grief as friends and family die. It’s a process that might become overwhelming. There may also be sadness associated with chronic health issues, the loss of mobility, or distance from loved ones.

back and forth between stages. Other signs to look for with those experiencing loss or grief include forget- fulness or confusion, loss of appetite, irritability, fatigue, difficulty sleeping,

The elderly are affected differently by these experiences, according to Psychology Today. The immune system may work less efficiently, and grief has also been linked to depression, heart disease, anxiety, stroke, fearfulness and the development of Alzheimer’s disease. Back-to-back losses, which are more common for seniors, can also lead to what’s called bereavement overload, doctors say. Here’s how to identify the signs of grief, how to discuss these feelings of loss and activities that can help with the healing process:

KNOW THE SIGNS Elisabeth Kubler-Ross famously identified the five stages of grief in her 1969 book “On Death and Dying.” They are denial (difficulty believing), anger (questioning fairness), bargaining (making a deal with fate), depression (experiencing persistent sadness and an inability to carry out daily activities), and acceptance (feeling resolution). It’s important to remember, how-ever, that KublerRoss’ stages might not happen in that exact order. Some seniors simply get stuck or move

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guilt, poor concentration, motivation issues, withdrawal, and significant weight loss.

TALKING IT OUT Experts most often recommend talking to trusted friends, family members or a psychologist about grief to work through these emotions, rather than risk a slide into depression. Acknowledging the loss can lead to happy memories from the past, allowing the experience of grief to take on new meaning. Listeners should create open, welcoming

THE MILESTONE | FALL/WINTER 2023-2024

spaces for conversation. Everyone experiences these things at their own pace, and they may need time alone, as well.

EXPERT TIPS For those looking to do something constructive in times of grief, consider eliminating the kind of daily stressors that increase anxiety by cleaning, running errands or preparing meals in advance. Make a scrapbook of photographs and mementos from your time with a lost loved one. Friends and family should make a habit of checking in on those who are experiencing grief, offering help, a shoulder to cry on or companionship as needed.

SENIOR LIVING | HOUSING

Rethink Retirement Communities Retirement communities used to be exclusively associated with the rocking chair. Not much ever seemed to be going on. Today, many have become bustling facilities with vibrant groups of residents. Here’s how to find one that matches your active lifestyle.

COSTS AND OFFERINGS When researching retirement communities, begin with their pricing structure and see how that matches the facility’s individual

amenities. Some particular offerings will signal that you’re considering a more active community, including tennis courts, exercise classes or a place to play horseshoes. At the same time, you may want to move away from everyday chores in order to focus on socializing, hobbies or fun activities. Inquire about concierge, dining and laundry services. This is a fast-growing sector of the economy, so there’s a wide range of pricing and amenities. Keep looking until you find a

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few that could be a perfect fit, then schedule a visit. As you arrive, note nearby options like libraries, gardens or hair salons.

SOCIAL SCHEDULE The best retirement communities offer a packed schedule of events so that seniors can create or maintain a social circle of friends. Ask to see their calendar to learn more about how they create an open and fun environment. Planned activities might include arts and crafts, movie night, board games, a book club or dances. Even if you’re not interested in all of them, these get-togethers will help build a sense of community and friendship. The best retirement communities also occasionally offer sponsored trips to area points of interest.

LIFESTYLE CONSIDERATIONS Are you moving into this community with a pet? Make sure each potential community allows them before committing to a move. Some communities restrict visits or travel, so particularly active residents might want to look elsewhere.

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Proximity to retail, swimming pools, golf courses, churches and public transportation may be part of your decision-making process. Most important, however, is how close the community is to health care options. The facilities should be easily accessible for first responders, and close to your doctor, the hospital and other needed service providers. Pay close attention to nearby schools, construction projects or sports facilities if you are sensitive to noise or worried about traffic. Safety is also a concern, so make sure there is ample lighting, a wide array of security measures, emergency-response systems and a dedicated check-in area for visitors.

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www.campbellphillipslaw.com THE MILESTONE | FALL/WINTER 2023-2024

S E N I O R L I V I N G | H E A LT H

Lower Your Risk of Stroke Most victims of a stroke are 65 and older, with a rate of around 70% cited in multiple national surveys. Some factors, like family history, are beyond your control. But we can cut down our chances with a few simple lifestyle changes.

KNOW THE SIGNS There are some specific signs that indicate a stroke, so remain vigilant. Look for a 6

sudden inability to speak coherently, and weakness or numbness in a leg, arm or face — in particular on only one side. The National Institutes on Aging also recommends monitoring for sudden vision problems, or a severe headache that happens for unknown reasons. If these symptoms are confirmed, you should immediately call 911. Time is of the essence. THE MILESTONE | FALL/WINTER 2023-2024

The faster lifesaving help arrives for the victim, the lesser the stroke’s impact.

FAMILY HISTORY Unfortunately, genetics play a role, as some people are simply more predisposed to have a stroke. The same is true of some forms of heart disease and sickle-cell issues. So, familiarize yourself with your personal family history and any health issues they’ve dealt with in order to better understand your risks. Sharing these details with your doctor will help shape the approach to maintaining your good health — and it could make all the difference in the world.

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PROACTIVE APPROACH A key factor in strokes is high blood pressure. Experts recommend closely watching these numbers, then quickly addressing any movement out of the accepted normal range. The doctor will typically prescribe medicine and lifestyle changes as a preventive measure. Also keep a close eye on cholesterol and blood sugar levels. Smoking can also raise your blood pressure. Stay on a regular check-up schedule so your doctor can monitor things like arrhythmias, another thing that may lead to stroke. Key scans can also look for plaque buildup or blockages before they lead to an emergency.

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WATCH YOUR DIET Depending on how active you are, doctors generally recommend consumption of 1,500 to 2,000 calories a day. Your individual body-mass index may also play a role in this number. What you eat and drink also plays a role in stroke risks. Reduce salt intake and avoid saturated fats. Four to five cups of fruits and vegetables are recommended daily, with no more than one glass of alcohol.

THE MILESTONE | FALL/WINTER 2023-2024

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Dating: Get Back Out There If you find yourself single as a senior, there are several important factors to take into consideration. You’ll want to be selective, safe and supportive throughout the entire process. Many things might have changed since the last time you were dating — including big advances in technology. But you don’t have to rely on the internet, if that’s not in your comfort zone. Consider volunteering, taking a class or joining a club or church. With the right preparation, focus and understanding you can find love again.

BE SELECTIVE One of the benefits of growing older is knowing yourself and your own personal needs. At this point in life, you’re not just looking for a date; you’re looking for the right person. Make a list of attributes that you’d like from a new partner, everything from their hobbies and favorite foods to personality traits and physical attributes. Then look for people who sync up with your list. They don’t have to be a perfect match, but the more things you can check off, the better your chances. If a date doesn’t quite work, remember to continue to refine the list as you move forward.

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BE SAFE Don’t go out on a date without doing a simple internet search of your potential partner — or ask a tech-savvy family member or friend to help. Beware if someone asks you for money, particularly early on. These “sudden” personal issues are often simply scams. If you use a dating app, avoid profiles that only have one picture and no biographical information. Don’t give out your phone number to people on the internet. Immediately report any offensive behavior to the site-management team, including harassing or threatening messages and requests for financial assistance. Only meet in well-lit, crowded places and make

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sure others know where you are and when you expect to return.

BE SUPPORTIVE Age brings experience, but not all experience is positive. Remember that the people you meet may be carrying memories of something traumatic, including a divorce or the death of a loved one. You may have some of the same issues. This can provide a source of comfort and understanding when two people meet, but it might also lead to issues with selfconfidence. Dating as a senior might require more time to sort through these complex feelings. In some cases, one partner or the

MILESTONE | NURISHMENT

The Role of Diet In Fitness Working out isn’t enough if you’re still making poor food choices. Combine your physical fitness goals with a commitment to eating right in order to achieve a healthier lifestyle. Even small tweaks to your diet can have a huge impact when combined with a smart workout plan, providing the energy you need while controlling your weight. As with any exercise regimen, consult your doctor before making wholesale changes in your daily menu, in particular if you’re on a special diet or unfamiliar with healthier choices. 10

WHAT YOUR BODY NEEDS Pay attention to things like protein, which remains vitally important as we age. Higher consumption levels can reduce the symptoms of sarcopenia, the natural loss of muscle mass, function and strength among seniors. Proteins help us recover from exercise regimens, maintain mobility and balance, and built and retain strength. Some 30% to 35% of your total caloric intake should include protein, according to medical

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professions. Protein also helps with absorption of vitamins, energy levels and concentration. As you ramp up your physical activity, it becomes even more crucial.

MIXING THINGS UP Eating right doesn’t mean limiting your intake to salad or starving yourself. Keep yourself from boredom and hunger by mixing up your protein sources with healthier alternatives like fish, peas, chicken and beans. They ’re packed with nutrients, and can be prepared in a seemingly endless number of ways. Incorporating more vitamin- rich vegetables in your life not only helps ensure wellness. They can be surprisingly filling. Promote your bone health by enjoying fat free or low-fat dairy items that are fortified with vitamin D.

REWARD YOUR EFFORT You’ve probably heard the old saying about all work and no play. The same caution should be taken with your healthier diet. As you eat and exercise your way to wellness, don’t forget to acknowledge the small victories that propel this journey. Indulge in a small dessert or favorite snack to avoid becoming discouraged. They can be a great reward for when you reach that allimportant next goal. Worried you might back slide too far? There are also a huge number of non-food rewards that may inspire you. Consider treating yourself to a massage, facial, manicure and pedicure, or spa day. Purchase a small gift for yourself, even if it’s only a trip to the stylist. Then get back out there!

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MILESTONE | ENTREPRENEURSHIP

Starting Your Own Business Growing older doesn’t have to mean losing your entrepreneurial spirit. More and more Americans aged 55-64 are starting their own businesses, giving meaning and purpose to a period that used to be defined by rocking chairs and sunsets. But as always, smart financial planning and a solid business forecast are a must.

LOOK AT THE BIG PICTURE The first thing to do, even before deciding whether to bring your new goods or services to market, is putting your future plans in perspective. How active do you intend to be, in particular once you reach retirement age? Do you have any health concerns? Did you have plans to see the world, or were you planning to stay closer to home? Will you ultimately THE MILESTONE | FALL/WINTER 2023-2024

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www.GardnerFH.com downsize or move into a shared-living situation? How do you plan to disperse your estate? Are there family members who would ultimately take over? All of these decisions will have a direct impact when embarking on a start-up operation and on how you set up the company itself in terms of management and ownership.

a significant loan — or any loans at all. Seniors with higher aspirations have also had longer to build up significant reserve funds that can smooth the way during the lean early years of a new business.

INSIDE THE NUMBERS

Seniors have decades of learned skills that can now be put to use to further their own financial goals. They’ve also made key connections over the years that can ease the start-up process, including long-held banking relationships, previous work with various contractors and familiarity with local government permitting and regulations. If they pair this new business with smart lifestyle changes like downsizing, they may also have significantly lower personal expenses. Finally, they usually have lots of experience with planning and executing a comprehensive business plan.

Leveraging a lifetime of experience and improved financial means, seniors are actually more likely to start their own business, the U.S. Global Entrepreneurship Monitor confirms. In fact, new business activity has consistently risen on a year-to year basis among this age group. The same rate has declined among younger Americans, who may be less apt to take financial risks because of budget pressures relating to new families or building their careers. In some cases, seniors have amassed enough wealth that they can being these ventures without taking out THE MILESTONE | FALL/WINTER 2023-2024

WHY NOW?

MILESTONE | SAFET Y NET

Making the Most of Social Security There are ways to maximize your return on this investment. Rather than providing all you’ll need to retire, think of Social Security as a foundation for our golden years. If you’d like the make the most off this benefit, however, you’ll have to follow certain guidelines while sorting through the sometimes complicated process of applying.

WHEN TO BEGIN Benefits can kick in as early as 62 years old 14

for those who’ve paid into the program, but with reduced payouts. Retirement age for most Americans is pegged at 66. Your particular monthly payout is based on your income. If you want until turning 70, however, your monthly benefit grows. Those who enjoy their work or who’ve started their own business may consider this option. If you begin Social Security payments and then return to work, you will see your benefit shrink. Want to learn more? The U.S. Social THE MILESTONE | FALL/WINTER 2023-2024

Security Administration includes a retirementestimating feature on its website where users can look up key details, including the age in which they’ll be eligible for full benefits and estimated monthly stipends.

HOW TO APPLY You will need your Social Security number, of course, but also your birth certificate and paperwork detailing your income from the previous year, like a W-2 form or self-employed tax return. You’ll also have to update your status with the Social Security Administration should you decide to move, change your name, get married or divorced, begin receiving additional retirement income including pensions, expand your family through adoption or if there are any changes in your citizenship. Calling the national toll-free number at 1-800-772-121, or visit your local Social Security office.

FAMILY BENEFITS If you qualify through disability, members of your family may also be eligible for their own benefits, without cutting into your individual payments. Children must be minors, full-time students who are 18-19, or have a childhood disability. Spouses may also be eligible if they are 62 and older, but the payment may be reduced if they are also earning their own benefit. Spouses are also eligible if they reached retirement age but have not paid into the Social Security system. Both spouses and children may receive up to half of your full retirement payout each month. If you are divorced, your ex-spouse may qualify — even if you’ve remarried.

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Spencer, Libby and Powell has been helping families in their time of need since 1920. We service all of Wasco, Hood River and Sherman counties. We offer the only on-site crematory in The Dalles so your loved one will never leave our care. Our services range from a simple cremation, celebrations of life, to full traditional burials. The use of our gathering hall is available to accommodate any type of gathering. Please call us with any questions so you can be well-in-formed before or at the time of need. We are here to help at any time. 1100 Kelly Ave • The Dalles, OR • 541-296-3234 • Fax 541-298-1356 spencerlibbyandpowell.com • slpfuneral@gmail.com

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MILESTONE | AGING

We’re Living Longer Americans are living healthier, longerlasting lives thanks to medical advancements and smarter lifestyle choices. In fact, the percentage of those 65 and older in the U.S. has never been higher. Those numbers are expected to rise to an all-time high of roughly 20 percent of the entire population by 2030, as the trailing edge of the Baby Boomer generation continues into retirement. Life expectancy rates have been trending generally upward for decades, lengthening the so-called “golden years” into something more 16

like “golden decades.” Here’s how to make the most of them:

BEHIND THE NUMBERS A series of impressive health breakthroughs has been key to the rise in pre-COVID life expectancy, the Centers for Disease Control and Prevention reports. Our ability to deal with infections, treat maladies that once were fatal, protect against viruses, and more quickly diagnose and address chronic disease led to an incredible decline in deaths among seniors. Scientists and physicians have learned more THE MILESTONE | FALL/WINTER 2023-2024

about the ways our lives are shortened by poor diet and lack of exercise, and now recommend key pathways to healthier living along with helpful prescription aids, if needed. At the same time, safety improvements on our highways, with our food and water, and in the workplace have done a better job of protecting everyone’s health.

ABOVE AVERAGE Interested in meeting the average life expectancy, and then besting those numbers? Seniors who stick to diets that are low in processed foods, fatty meats and sodium are living healthier, longer lives. We’re also encouraged to eat more vegetables and fruit, while remaining social. Spending time with family and friends, getting involved with your community, church or a hobby can work in concert to bolster both emotional well-being and health.

REACHING OUT Of course, living longer doesn’t necessarily translate to being happy. The American Medical Association notes that some seniors still struggle with their personal quality of life. They may suffer from loneliness, nagging pain from arthritis or depression. Simply focusing on a healthier diet, social interactivity and exercise may not be enough to overcome these issues. Get help with your sense of well-being through frank and open conversations with family friends, medical professionals or qualified counselors. Don’t be afraid to reach out if you need help.

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THE MILESTONE | FALL/WINTER 2023-2024

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THE MILESTONE SENIOR DIRECTORY ▌ADULT FOSTER CARE HOMES A Home Sweet Home Hood River, OR • 541-387-5335 Anita Allen Foster Care The Dalles, OR • 541-352-3504 Carolyn’s Adult Care The Dalles, OR • 541-298-2554 Cascade Senior Care The Dalles, OR • 541-993-2910

Providence Brookside Manor Memory Care Hood River, OR • 541-387-6370

▌ASSISTED LIVING, NURSING & ▌RETIREMENT HOMES Ashley Manor Hood River, OR • 541-387-4514 Bobbi’s Way In-Home Health Care Hood River, OR • 541-436-4515

Cherry Street Manor II Canyon Rim Manor White Salmon, WA • 509-493-1084 Maupin, OR • 541-395-2515 Eastern Oregon Center for Independent Living The Dalles, OR • 541-370-2810 Margie’s Lyle Adult Family Home Lyle, WA • 509-365-5500 New Hope Farms Goldendale, WA • 509-773-3939

▌ALZHEIMER’S & MEMORY CARE Ashley Manor Hood River, OR • 541-387-4514 Flagstone Senior Living The Dalles, OR • 541-298-5656 18

Cascade Senior Care The Dalles, OR • 541-993-2910 Cherry Heights Retirement The Dalles, OR • 541-296-6880 Columbia Basin Care The Dalles, OR • 541-296-2156 Flagstone Senior Living The Dalles, OR • 541-298-5656 Hawks Ridge Assisted Living Hood River, OR • 541-387-4087 Hearts of Gold Caregivers Hood River, OR • 541-387-0207

Helping Hands Home Care The Dalles, OR • 541-436-4430 Hood River Care Center Hood River, OR • 541-386-2688 New Hope Farms Goldendale, WA • 509-773-3939 Oregon Veterans’ Home The Dalles, OR • 541-296-7190 Parkhurst Place Assisted Living Hood River, OR • 541-387-4600 Providence Brookside Manor Hood River, OR • 541-387-6370 Providence Dethman Manor Hood River, OR • 541-387-8278 Providence Down Manor Hood River, OR • 541-387-8290 Summit Springs Village Condon, OR • 541-384-2101 Rock Cove Assisted Living Stevenson, WA • 509-427-7272 The Dalles Health & Rehab The Dalles, OR • 541-298-5158 The Springs at Mill Creek The Dalles, OR • 541-296-1303

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▌DENTURISTS The Denture Specialist Hood River, OR • 541-386-2012 The Dalles, OR • 541-296-3310

▌ELDER ABUSE PREVENTION ▌ASSISTANCE & ADVOCACY Adult Protective Services 800-452-2333

Spencer Libby & Powell Funeral Home The Dalles, OR • 541-296-3234

One Community Health Hood River, OR • 541-386-6380 The Dalles, OR • 541-296-4610

▌HEARING AIDS TESTS & ▌COUNSELORS

White Salmon Family Practice White Salmon, WA • 509-493-1470

Cascade Hearing Aid Center Hood River, OR • 541-386-1666 The Dalles, OR • 541-296-3300

MCMC Internal Medicine The Dalles, OR • 541-506-6920

▌HOME HEALTH SERVICES

Columbia Gorge Hearing Care Hood River, OR • 541-298-8676 Bobbi’s Way In-Home Health Care Helping Hands Against Violence Hood River, OR • 541-436-4515 The Dalles, OR • 541-298-8676 Hood River, OR • 541-386-6603 Haven from Domestic & Sexual Violence The Dalles, OR • 541-298-4789 Skamania County APS 877-734-6277 (TTY) 1-800-977-5456 Klickitat County APS 800-459-0421 (TTY) 509-568-3086

▌FUNERAL HOMES Anderson’s Tribute Center: Celilo Chapel Hood River, OR • 541-386-1000 The Dalles, OR • 541-296-2600

Hear’s The Answer Hearing Center The Dalles, OR • 541-298-5558 Hearing Aid Counselors Hood River, OR • 541-387-3277 My Hearing Centers Hood River, OR • 541-716-4086

▌HEALTH CLINICS Columbia Gorge Family Medicine Hood River, OR • 541-386-5070 KVH Family Medicine Goldendale, WA • 509-773-4017

Mid-Columbia Family Health Columbia Hills Memorial Center Chapel Stevenson, WA • 509-427-4212 Goldendale, WA • 509-773-4646 NorthShore Medical Group Gardner Funeral Home Inc White Salmon, WA • 509-493-2133 White Salmon, WA • 509-493-1323 THE MILESTONE | FALL/WINTER 2023-2024

Hearts of Gold Caregivers Hood River, OR • 541-387-0207 Helping Hands Home Care The Dalles, OR • 541-436-4430 MCMC Visiting Health Services The Dalles, OR • 541-296-7280 Providence Home Health Hood River, OR • 541-387-6339

▌HOSPICE CARE Heart of Hospice Hood River, OR • 541-386-1942 Klickitat Valley Health Hospice Goldendale, WA • 509-773-0380 Providence Hospice of The Gorge Hood River, OR • 541-387-6449 The Dalles, OR • 541-296-3228

▌HOSPITALS

▌MENTAL HEALTH AND SUPPORT ▌GROUPS

Adventist Health Columbia Gorge The Dalles, OR • 541-296-1111

Mid-Columbia Center for Living The Eyeglass Store Hood River, OR • 541-386-2620 Hood River, OR • 541-386-3937 The Dalles, OR • 541-296-5452 White Salmon Eye Care Brookside Manor Alzheimer’s White Salmon, WA • 509-493-2020

Klickitat Valley Health Goldendale, WA • 509-773-4022 Providence Hood River Memorial Hospital Hood River, OR • 541-386-3911

Dementia Support Group Hood River, OR • 541-387-6370

▌SENIOR SERVICES & ASSISTANCE

Flagstone Alzheimer’s & Dementia Support Group The Dalles, OR • 541-298-5656

Addus Healthcare Vancouver, WA (serving Klickitat County) 360-699-1222

Skyline Hospital White Salmon, WA • 509-493-1101 Grief Share Hood River, OR • 541-386-1049

▌MEALS & FOOD ASSISTANCE ▌PROGRAMS

Parkinson’s Support Group Hood River, OR • 541-340-0142

FISH Food Bank Hood River, OR • 541-386-3474

Cancer Support Groups The Dalles, OR • 541-296-7585

Goldendale Food Bank Goldendale, WA • 509-773-5220

Cancer CARE Support Group Hood River, OR • 541-387-6445

Meals on Wheels Hood River, OR • 541-386-2060 The Dalles, OR • 541-298-8333

▌OPTOMETRISTS

Stevenson Food Bank Stevenson, WA • 509-427-4334

Cascade Eye Center Hood River, OR • 541-386-2402 The Dalles, OR • 541-296-1101

St. Vincent DePaul Meals The Dalles, OR • 541-296-9566

Hood River Vision Clinic Hood River, OR • 541-386-2747

WGAP Food Bank Bingen, WA • 509-493-2662 800-755-1192

Indian Creek Family Eye Care Hood River, OR • 541-386-1700

Preferred Optical The Dalles, OR • 541-296-5878

Mid-Columbia Vision The Dalles, OR • 541-296-2911

ADRC Aging and Disability Resource Connection 855-673-2372 Chesterfield Services, Inc. Stevenson, WA • 509-427-0068 877-509-6847 Department of Human Services Hood River, OR • 541-386-3199 The Dalles, OR • 541-298-4114 Eldercare Locator 800-677-1116 Gorge Action Program Main Office Bingen, WA • 509-493-2662 (800) 755-1192 Gorge Action Program Goldendale, WA • 509-773-6834 800- 755-1192 Ext 300

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Gorge Action Program Skamania County Stevenson, WA • 509-427-8229 800-755-1192 Ext 311

Senior Health Insurance Benefits Assistance 541-645-5351 541-298-4101

Hood River Valley Adult Community Center Hood River, OR • 541-386-2060

Washington State Department of Social and Health Services 877-501-2233

Klickitat County Senior Services Washington State Home & White Salmon, WA • 509-493-3068 Community Services Goldendale, WA • 509-773-3757 Referral Line 1-866-323-9409 Mid-Columbia Council of Governments Area Agency SOCIAL, EDUCATIONAL & on Aging RECREATIONAL The Dalles, OR • 541-298-4101

▌ ▌

Mid-Columbia Community Action Hood River, OR • 541-386-4027 The Dalles, OR • 541-298-5131 Mid-Columbia Senior Center The Dalles, OR • 541-296-4788 Oregon Senior Peer Outreach Program Columbia River Gorge 833-736-4676 Programs for Peaceful Living Goldendale, WA • 509-773-6100 800-755-1192 Ext 320 Bingen, WA • 509-493-1533 800-755-1192 Ext 334 Social Security, Medicare, Medicaid 1-800-772-1213

Hood River Valley Adult Center Hood River, OR • 541-386-2060

Link Bus The Dalles, OR • 541-296-7595 Mt. Adams Transportation Service White Salmon, WA • 509-493-4662 Goldendale, WA • 509-773-3060

▌VETERANS’ SERVICES Veterans’ Services Hood River County • 541-386-1080 Wasco County • 541-506-2502 Oregon Veterans’ Home The Dalles, OR • 541-296-7190 American Legion Hood River, OR • 541-308-0000 The Dalles, OR • 541-296-9633

Mid-Columbia Senior Center The Dalles, OR • 541-296-4788

For additional resources visit your counties senior services online at

Community Education Hood River, OR • 541-386-2055

Hood River County www.hoodrivercounty.org

Hood River Aquatic Center Hood River, OR • 541-386-1303

Klickitat County www.klickitatcounty.org

Wasco County Aquatic Center The Dalles, OR • 541-296-9533

Sherman County www.co.sherman.or.us

▌TRANSPORTATION & SERVICES

Skamania County www.skamaniacounty.org

CAT Bus Hood River, OR • 541-386-4202

Wasco County www.wascocounty.org

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Real Estate For Seniors Some want to downsize, others are looking for new adventures. About one-sixth of homebuyers are older than 50, according to the National Association of Realtors. This has opened up new areas in the real estate market, while encouraging some agents to narrow their focus to this growing segment.

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NO MAXIMUM AGE There is no maximum age to apply for a mortgage, and there are laws in place making age-based discrimination illegal. Still, you and your prospective lender need to keep certain realities in mind. You will have to be sure that savings and retirement income will be enough to cover expenses when you eventually leave the workforce — and you can’t wait too long. Lenders won’t qualify those whose only income is derived from IRAs, 401(k)s or other account distributions. (Remember that withdrawal from

these retirement distributions are subject to penalties.)

SPECIALIZED HELP The National Association of Realtors has developed a new designation called senior real-estate specialist to provide any needed special assistance. These pros have additional training in helping older buyers and sellers with the often-complicated decision making and financial planning involved with purchasing a home late in life. Their skillsets also include in-depth knowledge of estate-planning, tax implications and benefit programs aimed at helping seniors with these transactions. They’ll also be able to recommend properties and developments that are closer to desirable amenities like senior centers, recreation options and community services.

BEFORE YOU BUY Price not withstanding, not every property is suited for purchase by a senior. Educate yourself on the lending options available for seniors in your area with help from a trusted real estate professional. Once you’ve secured a pre-approval, every step of the home search should be geared toward your individual situation: The property should have the potential for fast and very high appreciation, since you might not complete the entire 30year payment cycle on your mortgage. If you’re considering a condo, remember that ownership includes certain maintenance and amenities — but they’re paired with additional owner-association fees. That might make this a poor option if you’re trying to keep monthly expenses low. Whatever you choose, make sure all of your potential showings are move in ready, with few or no needed repairs. With an expert agent guiding the way, you should be able to find a dream home at any age.

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Creating a Budget It’s more important than ever as you transition toward a fixed income. Begin by setting up a budget calendar, then try to limit the amount of money you spend based on your actualized monthly income and savings. Look for the best deals, and trying to leverage as much as you can from

available benefits. In the end, you’ll find the financial security that so often evades so many seniors.

BUDGET CALENDAR This straight-forward money-management tool provides a visual aid when dealing with finances. Begin with an honest accounting

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much you’re spending per month, compare that with how much income and savings you have on hand. The idea is to stretch these funds through the entirety of your retirement — so you may need cut back. The ideal expenditure levels for everyone follow the 70/30 rule, a budgeting formula that guides spending decisions by limiting them to 70% of total income. During your working life, that leaves 30% for savings. As a retiree, these savings simply remain in reserve for later use. When you find your expenses moving past 70% of what you’ve budgeted, consider whether you actually need this item or activity — or if it’s simply wanted. Is it time to downsize? If you can’t immediately reach the 70/30 goal, make it a near-term goal.

INCOME BOOSTS

of all savings and income, then write in when regular expenses come due on a month-by-month basis. Fixed expenses will include rent or mortgages, insurance premiums and any debt payments. Flexible bills include food, utilities and transportation expenses. Those with progressive or chronic illnesses should also build in an expense cushion for regular medical care. Leave some room for personal care, repairs and maintenance and entertainment costs, too. Now you’re ready to more closely track expenses and income.

The average monthly Social Security benefit isn’t enough to live on. Instead, it’s more of a starting point. Seniors typically combine these funds with proceeds from retirement accounts, pensions and savings to make ends meet. Others may continue working part time. But that’s not the only way to boost your retirement income. There are also programs, numbering in the thousands, that can help pay for food, utilities, medicine and other everyday expenses, if you qualify. Visit the National Council on Aging’s BenefitsCheckUp site to learn more about these programs and your eligibility.

SETTING GOALS Now that you have a better idea of how

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M I L E S T O N E | H E A LT H C A R E

Dealing With Medical Costs

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Juggling Medicare, insurance and out-ofpocket expenses can be daunting. Unfortunately, health issues tend to become more common in our seniors years — and then the accompanying bills begin to pile up. Managing it all can start to feel like a return to full-time employment, in particular for those with chronic illnesses. Here’s how to deal with medical costs.

HEALTH SAVINGS Consider putting away pretax money in order to cover the inevitable medical expenses that will come up later. Health savings account are an idea way to do it. This personal account allows you to save and then withdraw your money tax free, as long as it’s used for qualified medical expenses including co-payments and deductibles, among other things. Eligibility for an HSA is based on being covered by health plans with deductibles that are deemed “high.” The monthly premium on these plans is usually lower, but you end up paying more in out-ofpocket expenses before the insurance

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company takes over. HSAs are designed to fill that gap, potentially saving thousands. You aren’t eligible, however, if you have Medicare or a non-deductible insurance plan.

MEDICARE As with Social Security, this benefit can be leveraged higher — if you know how to manage your account. Don’t simply auto-enroll, of you may end up higher outof-pocket payments and less coverage for prescriptions. Part A and Part B cover hospital insurance and outpatient services, respectively. Be aware, however, that you can expect annual changes to your prescription drug benefit so explore multiple Part D options. It pays to shop around. Part C, meanwhile, is the so-called Medicare Advantage plan. This allows you to consolidate elements of Parts A, B and D through private insurance companies. Part C may include options not available through original Medicare plans, including dental, hearing and vision. Critically, Plan C also has an annual limit on your out-of-pocket expenses.

OTHER CONSIDERATIONS Take the time to look into long-term care plans as soon as possible. Set aside reserves specifically for this often-needed health option, or consider a hybrid insurance plan that combines life and long-term insurance products. In the meantime, become an active patient. Ask plenty of questions, in particular about tests that may be unneeded but tend to run up your bill. Consider generics when filling prescriptions, which can also turned into huge savings.

Creative Challenge Game HOW TO PLAY THE GAME Each row must contain the numbers from 1 to 9, without repetitions. Each column must contain the numbers from 1 to 9, without repetitions. The digits can only occur once per block.

GAME ONE

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real knowledge, real experience real dedication, real results

I have a great ability to bond with people on a personal level. I build deep rooted relationships with people. I don’t see clients, I see friends. Where compassion meets professional is where I stand. I am a REALTOR that is capable of putting themselves in someone else’s shoes so you never have to worry where my intentions lie. As I would for myself, I will stand by you, protect you, listen and understand your wants/needs, and do what is in your best interest. But most of all, I will provide you with the knowledge based confidence to have a smooth and successful real estate transaction! If you’re searching or planning on buying or selling a home, contact me. Let’s do this together!

ASHLEY ALMAS, REALTOR WA & OR Real Estate Broker 541.645.0905 ASHLEY@SATORIREALTORS.COM

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WWW.SATORIREALTORS.COM | 208.217.7836 | OFFICE@SATORIREALTORS.COM

Creative Challenge Answers

GAME ONE

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GAME FOUR

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The quality healthcare you know and trust, now with an even brighter future For more than a century, the Columbia Gorge community has turned to us for the healthcare services you need. Now, by joining the Adventist Health family, we are building upon this legacy and expanding our ability to care for our community for decades to come. As Adventist Health Columbia Gorge, we have the expertise and resources of a large healthcare system to support us as we offer more healthcare choices for you, our friends and neighbors. Together, we’re investing in a healthy, hopefilled future for each person who calls our area home. Learn more about our bright future and commitment to providing quality care to the Columbia Gorge at AdventistHealthColumbiaGorge.org

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