ADVICE FROM THE PROS

Q: I am turning 72 in 2023 and was planning on taking the required minimum distribution out of my IRA. Do I still have to?

A: Congress just passed the Secure Act 2.0 which is now law. While it contains dozens of provisions, most notably, it raised the age you must start taking Required Minimum Distributions (RMD) from age 72 to age 73 in 2023 and to age 75 starting in 2033. If you are turning 72 this year, you do not have to take a Required Minimum Distribution and have an additional year to delay. Because the Secure Act 2.0 changed many retirement laws, you should be checking in with your financial planner to make sure the changes do not affect your plan.

If you do not have a planner, Skyline Advisors is able to help clients interpret and adjust to the new laws.

Q: A:

Chad Nickisch Mortgage Loan Officer

NMLS# 569502

Office: (360) 650-5361

Cell: (360) 510-3739

Can I get a loan for home renovations or remodels?

Yes, Peoples Bank offers a variety of options. From a cash-out refinance to a renovation loan or a home equity line of credit we have a solution for you. Improvements include but are not limited to major remodels, a new roof, new kitchen or smaller projects like new carpet, paint, or appliances. Need future value of improvements? No problem. From licensed contractor work to DIY our home loan specialists are here to help every step of the way. Call today to find out what is right for you.

405 32nd Street, Suite 201, Bellingham (360) 671-1621 www.myskylineadvisor.com

Q: What New Construction Projects Are Happening in Whatcom County?

Bellingham Real Estate Loan

978 Peace Portal Drive Blaine, WA 98230

(360) 318-4999 info@peacearchrealestate.com www.peacearchrealestate.com

A: Currently, the Blaine/Birch Bay area is the best place in the entire county for new construction. The area is experiencing a surge of new residential construction, with a variety of housing developments, such as The Ridge at Harbor Hills, Whispering Lakes, and Horizon at Semiahmoo. These developments offer a range of options for different homebuyers, with modern, comfortable, and stylish homes, mainly within the low-to-mid $500s. They are also located in desirable neighborhoods and offer easy access to shopping, dining, and other amenities. With so many new homes becoming available, Blaine is becoming an even more attractive destination for those looking to purchase a new home. If you want more information about buying a home in Blaine, please call us at 360-922-0102, email info@peacearchrealestate.com, or visit our website at www.peacearchrealestate.com.

Q: My MRI or X-ray shows that I have degenerative joint disease (arthritis) in my back. Does this mean I have to live with pain?

A: Research shows that the severity of arthritis on imaging doesn’t always correlate with pain. That means that “degeneration” and other age-related changes on X-rays are not always a predictor of back pain. It is normal for people to experience back pain occasionally, and it is best addressed early if it does occur. At Capstone Physical Therapy your physical therapist works with you to design an individualized care plan to reduce or get rid of pain. Capstone has seven locations throughout Whatcom County and is accepting new patients at our Birch Bay Square location and our Blaine clinic on H Street.

1733 H Street • Suite 400 • Blaine, WA 98230 360-332-5511 www.capstonept.com

Bristol Bay ...

From page 1 it would have ruined it,” Haines said on the phone, talking from Newport, Oregon, where he was docked while crabbing on the Washington coast. “We [fishermen] wouldn’t have survived.”

Bristol Bay is one of the most productive salmon runs in the world, according to a press release from Cantwell’s office, with 40 to 60 million salmon returning to the watershed every year. The salmon generate an annual value of at least $500 million for Washington state commercial and recreational fisheries and support over 5,000 fishery jobs in the state and 14,000 jobs globally.

Haines said the season for him in Bristol Bay is six weeks of nonstop fishing, starting in the beginning of June and ending the first week of August. He began as a deckhand in 1996. He first captained a boat in the bay in 2000, and, except for 2020 due to the pandemic, he said he hasn’t missed a summer. Last year’s season was one of the largest he’s seen, he said, with over 77 million salmon caught. It made for his second biggest catch in over

20 years – his biggest catch was 297,000 pounds, he said.

“If you are in love with fishing, its exhilarating,” Haines said. “If you are there for the money, it’s just a chore.”

Haines said his favorite part about fishing in Bristol Bay is setting the net when nobody is around and watching the net start to dance with the flopping of the salmon.

Haines said he has turned the Bristol Bay season into a family business over the years. His son Dylan Haines and daughter Julia Moquin have joined him for multiple summers in Alaska.

Cantwell said the EPA’s action will protect similar family legacies. She called it the final nail in the coffin for Pebble Mine, saying the mine would have devastated Bristol Bay salmon and the livelihoods of thousands of hardworking families.

“The EPA’s decision to permanently protect Bristol Bay is the culmination of a hard fought battle, and I am proud to have stood with fishing families, communities, Tribes and the whole Pacific Northwest region to oppose the Pebble Mine for more than a decade,” Cantwell said in the statement. “Now, we will have a thriving Bristol Bay salmon run for generations to come.” s

What do pets see in color?

The popular notion that pets see in black and white, notably dogs, is false. People once thought that their furry companions couldn’t see the color spectrum. However, the American Kennel Club (AKC) reports that new research and conclusions about canine anatomy point to dogs having color vision, after all – it’s just a bit more muted than their human friends.

According to Dr. Jerry Klein, AKC’s chief veterinary officer, dogs have more rods than cones in their eyes, which improves lowlight vision. Cones are responsible for controlling color perception. Due to these anatomical differences, it is believed dogs’ vision mimics that of a person with red/ green color blindness. Color is perceptible for dogs, but not in the spectrum enjoyed by humans with healthy vision.

Cats also can see in color, but similarly not with the same level of detail as people. Their vision is much more attuned to up-close sight than to focusing on objects that are far away.

According to Birdfact, an online resource about birds, birds have arguably the best eyesight and ability to detect color of any member of the animal kingdom. Birds can see more color than humans because they have a fourth type of light-receiving cone in their retinas (humans have three). Therefore, a pet bird will be in tune with vibrantly colored items in and around his environment.

Arizona State University’s Ask a Biologist offers an interesting chart that illustrates colors certain animals can see at askabiologist. asu.edu/colors-animals-see. People who want to know if their pet rabbit can see color, or what those fish in their home aquariums can see, can consult the chart.

Submit Pet Paparazzi photos to editor@thenorthernlight.com

Help Wanted

Legal

claim by otherwise applicable statute of lim- present the claim in the manner as provided in RCW 11.40.070 by serving on or mailing to the Administrator or the Administrator’s attorney at the address stated below a copy of the claim and filing the original of the claim with the court in which the probated proceedings were commenced. The claim must be presented within the later of: (1) thirty days after the Administrator served or mailed the notice to the creditor as provided under RCW 11.40.020(1)(c); or (2) four months after the date of first publication of the notice. If the claim is not presented within this time frame, the claim is forever barred, except as otherwise provided in RCW 11.40.051 AND 11.40.060. This bar is effective as to claims against both the decedent’s probate and nonprobate assets.

Date of Filing of Notice to Creditors:

February 9, 2023 with Clerk of Court:

Date of First Publication:

February 16, 2023

Name of Administrator: BRIAN PHELPS

Attorney for Administrators:

Steven D. Avery, WSBA #35262

Address for Mailing or Service: Avery Elder Law, P.S. 801 Samish Way, Ste. 202 Bellingham WA 98229

Telephone: (360) 325-2550

Email: steve@averyelderlaw.com

DATED: February 9, 2023

AVERY ELDER LAW, P.S. STEVEN D. AVERY, WSBA #35262

Attorney for Administrator: BRIAN PHELPS www.averyelderlaw.com

THE DISTRICT COURT OF THE STATE OF WASHINGTON IN AND FOR THE COUNTY OF WHATCOM CITY OF BELLINGHAM

Steven Bolster, Plaintiff, v. Mark Gumley, Defendant. NO. Sc22-117 SUMMONS BY PUBLICATION Judge Angela Anderson The State of Washington to: Mark Gumley You are hereby summoned to appear within sixty days after the date of the first publication of this summons, to wit, within sixty days after the 23rd day of March, 2023, and defend the above titled action in the above titled Court, and answer the complaint of the Plaintiff, City of Bellingham, and serve a copy of your answer upon the Plaintiff, Steven Bolster, at his address below stated. In case of your failure do so, judgment will be rendered against you according to the demand of the complaint, which has been filed with the clerk of said Court regarding fraud, theft and such other items requested. This summons is issued pursuant to crlj4 of the District Court Civil Rules of the State of Washington. Respectfully submitted this 2nd day of February, 2023. CITY OF BELLINGHAM

Steven Bolster 315 prospect st Unit #1521 Bellingham, WA 98227

IN THE SUPERIOR COURT OF THE STATE OF WASHINGTON IN AND FOR THE COUNTY OF Whatcom

In Re the Estate of Peter Acalin, Deceased. NO. 22-400875-37. PROBATE NOTICE TO CREDITORS. (RCW 11.40.030)JUDGE: Evan Jones

The personal representative named below has been appointed as personal representative of this estate. Any person having a claim against the decedent must, before the time the claim would be barred by any otherwise applicable statute of limitations, present the claim in the manner as provided in RCW 11.40.070 by serving on or mailing to the personal representative or the personal representative’s attorney at the address stated below a copy of the claim and filing the original of the claim with the court in which the probate proceedings were commenced. The claim must be presented within the later of: (1) Thirty days after the personal representative served or mailed the notice to the creditor as provided under RCW 11.40.020(1)(c); or (2) four months after the date of first publication of the notice. If the claim is not presented within this time frame, the claim is forever barred, except as otherwise provided in RCW 11.40.051 and 11.40.060. This bar is effective as to claims against both the decedent’s probate and nonprobate assets.

Date of First Publication:

February 9, 2023

Personal Representative: Norma Acalin 2115 Huron Street Bellingham, WA 98229

Attorney for the Personal Representative: Katti Esp 301 Prospect Street Bellingham, WA 98225

Address for Mailing or Service: Katti Esp 301 Prospect Street Bellingham, WA 98225 Court of Probate Proceedings Superior Court of Whatcom County and Cause Number: Cause No. 22-4-00875-37

IN THE SUPERIOR COURT OF THE STATE OF WASHINGTON IN AND FOR THE COUNTY OF WHATCOM In re the Matter and Estate of: ROMAINE OLSON, Deceased. No. 23-4-00001-37. PROBATE NOTICE TO CREDITORS. RCW 11.40.030

The Administrator named below has been appointed as Administrator of this estate. Any person having a claim against the decedent must, before the time the claim would be barred by any otherwise applicable statute of limitations, present the claim in the manner as provided in RCW 11.40.070 by serving on or mailing to the Administrator or the Administrator’s

This bar is effective as to claims against both the decedent’s probate and nonprobate assets.