Wiseguidefall2013

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FALL / WINTER 2013

R E E Your Adult Resource!

Is Direct Primary Care For You? Retirement Income that Works for You Protect Your Eyes!

Art for the Soul

SENIOR MEDICARE PATROL Retired & Senior Volunteers are helping their friends and neighbors to: • PREVENT Medicare beneficiaries from becoming victims of Medicare fraud, errors and abuse!

Please contact your local SMP volunteer, and learn how to:

• PROTECT yourself from Medicare fraud.

• DETECT errors, fraud and abuse!

• REPORT all incidents of error, fraud and abuse!

Contact Area Agency on Aging of North Idaho

800-786-5536

dglenn@aani.org • www.aaani.org

“This project was supported, in part by grant number 90SP0014/01, from the U.S. Administration on Aging, Department of Health and Human Services, Washington, D.C. 20201, granted to the Idaho Commission on Aging. Grantees undertaking projects under government sponsorship are encouraged to express freely their findings and conclusions. Points of view or opinions do not, therefore, necessarily represent official Administration on Aging policy.”

FALL / WINTER 2013

Features

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Is Direct Primary Care for You?

Making health care a personal thing again

About the Cover............................................................ 4 Art for the Soul............................................................. 5 Sandpoint’s 6th Annual Health & Safety Fair............. 9 Is Direct Primary Care for You?................................. 14 Retirement Income that Works for You..................... 16 Protect Your Eyes!....................................................... 18 “You’re Pregnant?”..................................................... 20 Can A Massage Chanage Your Life?.......................... 22 Face the Facts!............................................................ 24 The MedPax System................................................... 26 In Tax Planning, Planning Is the Operative Word........ 28 Feeling Good...or Not! ............................................... 30 We Are Veteran Ready!.............................................. 32 Housing Habits by Generation.................................. 40 Healing the Roots of Brokenness.............................. 42 Are You An Animal Owner? Do You Have a Plan?........ 44 Play Works!.................................................................. 46 Who Do You Call?...................................................... 48 Run It By Tamara........................................................ 50 Crossword & Sudoku.............................................54-55

Activities and Events

Regional Events............................................................ 8 Support Groups.......................................................... 10 Community & Senior Centers................................... 11

Directory

16

Retirement Income that Works for You

18

Protect Your Eyes!

Running out of money is not a good idea

Agencies, Free Referral Services & Volunteer Opportunities....................................... 56 Care Communities; Independent

& Assisted Living................................................... 57 Counseling.................................................................. 59 Dental.......................................................................... 60 Education, Entertainment & Museums................... 60 Financial, Asset Management & Maintenance........ 61 Gifts & Shopping........................................................ 61 Hearing & Vision........................................................ 63 Hospice & Pre-Planning............................................ 63 Hospitals & Medical Care.......................................... 64 In-Home Services....................................................... 65 Insurance.................................................................... 67 Legal............................................................................ 67 Pharmacies, Medical Equipment,

Safety & Supplies.................................................... 67 Physical Therapy........................................................ 69 Veterinary, Pets & Training........................................ 69

Sunglasses can be healthy and stylish Wise Guide | Fall / Winter 2013

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About the Cover Cover Artwork:

“Evening Paddle”

by Connie Scherr

About the Artist

Connie began painting watercolors 38 years ago while living in Utah. Having her great uncle’s impressionistic oils in her home for 13 years gave her the bug to try painting with oils. She has been exploring this medium for the very challenging, intimidating, not past eight years and is self taught to mention scary, but it did plant a using the palette knife: “I love the seed and I kept with art all through peanut butter consistency on the high school and college.” canvas, the light and shadows, the In Idaho she took many textile and tactile qualities a palette “Workshops on Wheels” with the knife and a full brush can offer. I University of Idaho, painted with prefer to paint big, but actually love Kathrine it all and Haynes and the best is Al Knoke. plein air On a trip painting.” to the Four “My Corners inspiration area she comes from stopped the richness in Taos and beauty and found of this an artist life I have whose style been given. reminded Nature, our Moose in the Moonlight 24” x 36” her of her lake, the uncle’s but changing with the vivid colors she has been seasons, travels and experiences, known for in her watercolors.

That my grandchildren are in a lot of next year she took a workshop from my paintings; I find inspiration Leigh Gusterson. Then another a everywhere.” few years later from Neil Patterson

Art runs in Connie’s family. Her a OPAM in Canada. father was a sculptor and mother

Connie believes that fear an oil painter. Connie’s mother put holds people back from starting her in a private pastel class with to paint, doubting their talent all adults when she was 10. “It was and if others will like their work.

“I used to feel this way but age helps, time in running out, just go for it! I was once told to ‘accept the happy accidents’, the only way to do this is to forget all we were taught and paint every day or as much as possible. All it really takes is desire and passion.” Connie has started a plein air group that meets Thursdays at different locations around the region.

The Outback 18” x 24”

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Connie has lived in the Sagle/ Sandpoint area for the past 36 years.

Her works are in many private collections in the United States and British Columbia and can be viewed at The Schweitzer Gallery at Schweitzer Mountain Resort, 41 South Restaurant in Sagle, the San Clemente Art Association Gallery in San Clemente California, all

The Twins 36” x 24” the local POAC shows, The Artists Studio Tour at Connie’s Scherr Haven Studio in Sagle and at other times by appointment.

For more of Connie’s work visit the website: www.conniescherr.com or call Connie at 208-290-7570.

Blue Heron 16” x 20”

or Ar t f t he S o u l Wise Guide | Fall / Winter 2013

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Editorial Jonnie Bradley Editor

The Wise Guide

Providing quality in-home services since 1979.

From companionship to specialized home care, designed to make your life easier... to remain safely, independently and comfortably at home.

• Senior Assistance with housekeeping, transportation, meal preparation, bathing & dressing, laundry, medical reminders, and more.

• Short or Long-Term Assistance for clients recovering from illness or injury, helping to regain independence & self-sufficiency.

• All care providers are carefully screened, pass a federal background check and are fingerprinted for your safety.

• Individual care plans and training designed to meet your specific needs.

Serving all of North Idaho including Boundary, Bonner, Kootenai, Benewah and Shoshone Counties.

We offer competitive rates with numerous payment options: Medicaid, Veterans Programs for Veteran or Surviving Spouse, many Long Term Care Insurance Policies.

There are many things that make The Wise Guide unique. The one that stands out above all else to me is the sense of community and ownership expressed by the individuals, businesses, agencies and organizations who participate in our magazine - it is truly that - OUR magazine. We share it among family, friends and clients. We are all members of the communities we serve, something often forgotten.

While you may be a physician or a representative of a national organization, you purchase and utilize many of the goods and services available in our communities. The Wise Guide strives to be a reliable resource of information for everyone. Much of our content is designed to provide relevant and useful information, if and when it’s needed. If it doesn’t apply to you at the moment, there is most likely someone you know to whom it does. Thank you for reading and sharing the information - that’s what community is all about - caring, giving, sharing, helping where we can.

If there is something you seek and can’t find it in this edition, give us a call.

The Wise Guide Fall / Winter 2013 Sales and Marketing Associate: Andria J. Wolf Office: 208-263-5654 Cell: 208-597-6862 Email: thewiseguide@frontier.com

Designer: Donna Brosh

Available 24 hours a day, including holidays!

Pride in the services we provide, our staff and our client’s satisfaction is what makes us “30 years and counting!”

Call today to learn how we can help you!

208-667-2309 or 1-877-855-5433 6

Copyright ©2013/2014, All Rights Reserved.

Although every precaution has been taken in the publication of this guide, the publisher and authors assume no responsibility for errors or omissions. This guide is not intended to be legal or medical advice or to endorse any product or service. It is meant to serve as an information resource guide and not as a substitute for professional assistance. The Wise Guide, LLC is not responsible for the contents of any websites referenced within this directory, nor does it endorse any specific products or services referenced. No part of this directory may be reproduced or transmitted in any form or by any means, electronic or mechanical, including photocopying, recording, or by an information storage and retrieval system without the express written permission of the publisher, The Wise Guide, LLC.

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It is with deepest appreciation that we say,Thank

Whispering Pines at Ivy Court One Call Alert

p. 34

Auburn Crest Hospice

to our Veterans Page Sponsors:

Sponsor a Veterans Page!

Anyone can!

Did you know that 30% of our population are veterans and their spouses?

p. 35

Bestland Senior Living Community

You!

p. 36 p. 37

The dedicated veterans pages in each edition provide resources otherwise not commonly known among veterans and those serving veterans in our community.

You can help show your support by sponsoring or co-sponsoring a page to offset the cost of gathering, filtering, organizing and printing the information in each edition. Call 208-263-5654 for details.

Idaho’s place for retirement living Garden Plaza of Post Falls offers the finest elements of a retirement community. From a dynamic social schedule to our hospitable staff, our goal is to promote an active, carefree lifestyle.

As a Continuum of Care Campus, Independent Living, Assisted Living, Skilled Nursing and Rehabilitative Care are offered on-site.

Call to schedule your visit and complimentary lunch!

(208) 773-3701 INDEPENDENT & ASSISTED LIVING

545 N. Garden Plaza Court • Post Falls, ID 83854 www.gardenplazapostfalls.com

Wise Guide | Fall / Winter 2013

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Activities and Events

Run A Mile In Their Shoes

5K + 10K Run/Walk and Pancake Breakfast November 9th, race starts at 10 am, behind O’Shays Pub, 313 Coeur d’Alene Dr. in Coeur d’Alene. 20% of the nations homeless population are veterans. Call 208-416-4716 and find out how you can help.

Kootenai County Senior Information Fair “Honor our Veterans” Join us Veterans Day, November 11th from 1 pm-4 pm at Bestland Senior Living Community for this fun- filled community fundraising event benefitting the Kootenai County Veteran Assistance Fund. Funds raised at this event will stay in the local community to help our veterans offset out of pocket costs associated with services not covered by the VA. Come enjoy our great food, prizes, and awesome gift basket raffles!

Bonner County 4-H Holiday Bazaar & Craft Fair

Please join our local 4-H program November 23rd from 9 am - 2 pm for the first annual Holiday Bazaar & Craft Fair! Bring your items and display your talent while supporting one of the largest youth development programs in Bonner County!

This event is a fundraiser for the local 4-H Leader’s Council and all proceeds help fund scholarships and other 4-H Youth Development opportunities in Bonner County. For more information contact Bonner County Extension Office, 208-263-8511

Post Falls Warm Water Aquatic Center Fitness Classes Offering day, night and weekend classes starting at

$16.00. The therapy pool offers a healing environment for all ages and all levels of fitness. The water is 91 degrees, so come and join us!

Wellness Fair Saturday, April 26, 2014 10AM - 3PM Newport Community Hospital 714 W. Pine St. * Newport, WA

Fun for the entire family! * Health Education Speakers * Prizes * Giveaways * Vendor Booths * 2 Bicycle Drawings * Free Health Screenings, & more!

NEWPORT HOSPITAL & HEALTH SERVICES 714 W. Pine St., Newport, WA • (509) 447-7928 • www.phd1.org

Newport Health Fair

April 26th from 10 am - 3 pm is the Newport Community Hospital’s Health Fair inside and outside of the Newport Hospital. Much effort goes into making this annual health fair an informative, interactive and fun event you won’t want to miss!

Any Pie Contest

Bring your best pie for the pie baking contest! Or just come to sample. March 14th at 2:30 pm at Life Care Center of Sandpoint, 1125 N. Division. There are “official” judges too and prizes for everyone. FREE and everyone is welcome! To enter the contest contact Marchelle Fritz, 208-265-9299

The Geezer Forum

Meeting together to explore the issues of aging that concern us all the 2nd and 4th Thursday of each month from 2:30 pm - 4:00 pm at the Panhandle State Bank Community Room/Tango Café. Sponsored by Elder Advocates and hosted by Paul Graves - everyone is welcome!

Giving back quality of life through physical and aquatic therapy.

AQUATIC FITNESS CLASSES OFFERED! CALL NOW!

N. 1224 Idaho Street, Post Falls • 208-457-8746 8

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Mark Your Calendar!

For Sandpoint’s 6th Annual Health & Safety Fair

D

iscover some of the region’s outstanding health and safety businesses and organizations when you attend the 6th Annual Community Health and Safety Fair presented by the Greater Sandpoint Chamber of Commerce in partnership with Bonner General Hospital.

Part health, part safety and this year part education, this fair highlights new businesses you may not be familiar with as well as our reliable favorites that have been serving our communities for years. The fair is being held at the Bonner County Fair Grounds on Saturday, May 3rd, from 10 a.m. -2 p.m. Admission is free and the fair offers something for all ages. Meet your health care and safety professionals in an outof-the-office setting to get a sense of what is available

Saturday May 3rd, 2014 10:00 AM - 2:00 PM Bonner County Fairgrounds Health Care Experts to Answer All Your Questions Seminars on Key Topics Low Cost Testing Discounts on Services and Products Raffles and Kids Activities

in Sandpoint.

Learn about the services our health care organizations provide and take advantage of their knowledge, as well as various onsite affordable testing.

“I hope everyone attends the Fair because all of the health care providers will be there answering questions about their services, scheduling patient visits and discussing treatment opportunities,” urged Joy Batchelor, Chair of Health & Safety Committee of the Greater Sandpoint Chamber of Commerce. Joy then explained that the public should, “come out, have fun, meet us and see what we do. I want families to take advantage of the many free and discounted services we will have available at the fair. Last year’s education seminars were a huge success and make sure you check the list of events and speakers before you come out so you don’t miss the ones which apply to you.”

At the fair you will find products, services, and expert information from over 50 health and safety businesses and organizations. There will be topics covered from dental health, senior care, orthopedic care, emergency response services, mental health care, pediatric care, and health care providers.

Discover resources that you didn’t know were in our community and take advantage of their expert advice.

For more information, please visit www. sandpointchamber.org or contact the Greater Sandpoint Chamber of Commerce at 208-263-2161.

Wise Guide | Fall / Winter 2013

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Activities and Events

Senior Moment Radio Program Listen every Saturday at 4pm to “The Senior Moment” on KYMS 89.9 FM. Connie Clark with Home Helpers talks about topics for the Baby Boomer Generation and Up: Health Care Information, Legal Issues, Community Happenings, Nutrition, and More!

Monarch Movie Night Monthly Classic Film screening and discussion provided by the Northwest Film Institute. Free to the public at Monarch Mountain Coffee, 208 N. 4th Ave. in Sandpoint on the 3rd Thursday of each month starting at 7pm. Come and join us for good fun with good company.

Support Groups Coping with life’s events can be challenging. Support groups provide experts with boots on the ground experience that can help you. If you have questions don’t hesitate to call or drop in!

Bonners Ferry Women’s Cancer Education and Support Group: Meets the 4th Monday of each month at 12:00 noon in the Panhandle Health District Building, 7402 Caribou Rd. It is open to the public, this meeting has guest speakers and every three months they have a potluck as well.

Bonner Community Hospice Adult Grief Group: Free to residents of Bonner and Boundary Counties. The Group provides an opportunity to share experiences, thoughts and feelings with others that have experienced the loss of someone significant through death. 1st and 3rd Thursday of each month, 6:00 - 7:30 pm at The Brown House (located next to Bonner General Hospital) For more information contact 208-265-1179.

Priest River Diabetes: Meets the 3rd Monday each month at the Priest River Senior Center - 7:00 pm. Free! Call 208-448-2899 or 208-448-1770 for more information.

National Alliance on Mental Illness: Open to anyone interested in mental health issues. Meets the fourth Monday each month at the Panhandle Health Classroom, 7420 Caribou, Bonners Ferry from 6:00 - 8:00 pm, 208-267-5638. www.nami.org RAPP Support Group: Relatives as Parents Program meets the 2nd Thursday of each month at 12:00 noon in the Jewett House, 1501 E. Lakeshore Dr. They provide a light lunch and daycare. Guest speakers provide educational information about available resources. For more information call Glenda Weaver 208-769-7096, cell 208964-0667 or Margo Peebles 208-667-0320.

“I may be disabled, but I can try to do anything” Multiple Sclerosis Advocate Meeting Monthly Call or email for more details: beth@mswobbles.com

208-773-9372 208-818-9372 10

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55+ Single Friendship Group: Meets every Wednesday at 5:30 pm at JB’s Restaurant 704 W. Appleway, Coeur d’Alene. We are a fun, friendly, and active group. For more information contact Linda 208-676-8456 and Ken 208-691-8060.

Alzheimer’s & Dementia Support Groups

Emeritus at Coeur d’Alene: 205 E. Anton Ave., Coeur d’Alene, the 1st Wednesday at 12 noon (lunch included). Led by Mary Thomas 208-215-0064 and Ene Gaines 208-415-0366.

Kootenai Medical Center: 2003 Kootenai Health Way, Coeur d Alene, the 3rd Saturday of every month from 1:30 - 3:30 pm in Classroom #3 on the main floor. Led by Arlene Sleigh 208-772-2542 or amvs@my180.net and Connie Clark 208-769-9560.

Pacifica Senior Living: 840 E. Dalton Ave., Coeur d’Alene, the 4th Monday at 5:30 pm (light dinner included). Led by Aline Rohde 208-659-6719 and Arlene Sleigh 208-772-2542. Free respite care available during the support group session provided by Pacifica Senior Living with advance reservation, call 208-665-2100.

Telephone Caregiver Support Group: Are you feeling the need for a support group as a caregiver of Dementia, Alzheimer’s, and Medical Disorders but can’t make it to a local support group?

Here is your solution! Call the 1st Monday of each month at 1:00 pm - 2:30 pm to participate in a group session by phone. For more details please contact Kelli Moorehead 800-272-3900 or visit our website at www.alz.org

Community & Senior Centers

Don’t miss out on the fun! These are great places to meet, have a good meal and enjoy a wide range of

Bird Aviation Museum & Invention Center

Admission is FREE! Vintage Aircraft • Classic Cars • Military Memorabilia Modern Day Patents • Original Prototypes & Models Signed Artwork & Original Signatures of Famous Aviators, Inventors & Astronauts Summer Hours: Monday through Saturday, 8am to 4pm Winter Hours: Monday through Friday, 8am to 4pm Café Hours: 11am to 3pm, Memorial Day through Labor Day Contact: (208) 255-4321 for up-to-date information and to arrange a special event or a group visit.

www.birdaviationmuseum.com NOTE: Inventors Association of Idaho meets the first Tuesday of the month.

For additional info, visit www.inventorsassociationofidaho.com

activities, special events, excursions, or just play cards.

Give them a call and check it out!

Blanchard Community/Senior Center: 32564 4th Ave., Spirit Lake, 208-437-1037 email: blanchardnews@aol.com. Call to get on the mailing list for the quarterly newsletter.

Bonners Ferry Senior Hospitality Center: 6635 Lincoln, Bonners Ferry, 208-267-5553 and 208267-5554.

Wise Guide | Fall / Winter 2013

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Activities and Events The Center (Clark Fork / Hope): 10th & Cedar, Clark Fork 208-266-1653.

Priest River - Frank Chapin Senior Center: “Home of the Happy Agers” 339 Jackson St., Priest River 208-448-2352.

Sandpoint Senior Center: 820 Main Street, Sandpoint 208-263-6860.

Sagle Senior Center: 560 Monarch Rd., Sagle 208-265-2627.

Spirit Lake Community / Senior Center: 32564 4th Ave., Spirit Lake 208-623-6125.

Newport Senior Hospitality Center: 218 S. Washington St., Newport 509-447-2119.

Bayview Community Center: 20298 E. Perimeter Rd., Bayview 208-683-8040.

Athol Community Center: 30355 N. 3rd St., Athol 208-683-2101.

I am a thief of nothing, save a moment in time.

Call For Appointment 208-772-4245 What are you waiting for?

Photos are timeless, have the moments you don’t want to forget captured now!

Lake City Center: 1916 Lakewood Dr., Coeur d’Alene 208-667-4628.

Silver Valley Community Resource/Senior Center: 120 W Cameron Ave., Kellogg 208-784-8891. Benewah Community / Senior Center: 11640 Benewah Creek Rd., St. Maries 208-245-0269.

Until he extends his circle of compassion to include all living things, man will not himself find peace.

—Dr. Albert Schweitzer

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Care for every season We recognize that each resident deserves care that meets their individual needs. At Life Care Center of Sandpoint, we offer personalized skilled nursing, subacute care and short-term rehabilitation to help you embrace each stage of life.

24-hour Skilled Care | Inpatient and Outpatient Rehabilitation On-Site Physician | Respite Services | Wound Management

Life Care Center of Sandpoint Joint Commission accredited

208.265.9299 | LCCA.COM | 1125 N. Division St.

Is Direct Primary Care for You?

by Volney Willett, MD, Woodlands Family Medicine, Ponderay, ID

90%

of all medical care is delivered by the primary care provider. Unfortunately, primary care physicians have had to increase the number of patients they see and care for to keep up with the increasing cost of overhead and stagnant reimbursement. The typical family physician cares for 2000 to 3000 patients and sees an average of 20 to 30 patients per day. Between patients, at lunch, at the end of the day, and on the weekends they try to comb through the jungle of insurance regulations and the mountains of paperwork.

Primary care physicians often feel like hamsters on a treadmill and patients feel they are just a number.

Since the paperwork never ends they rarely get a chance to look up that diagnostic challenge. The current fee-for-service system is dumbing down and burning out our primary care physicians.

It doesn’t have to be this way! There is a movement across America for physicians to shed the shackles of insurance companies and governmental regulations.

Initially this concept was only for the 1%, but now it is for the 95%.

In the early days of concierge medicine the super wealthy would pay thousands of dollars a year for direct access to their primary care physician. A new era of concierge medicine has made it more accessible to the average working class citizen. For a low monthly fee between $50 and $150 per month people now have access to the primary care physician 24 hours a day seven days a week. Physicians

Comprehensive Medical Services:

F A M I L Y

M E D I C I N E

• In-Clinic Surgeries • Chronic Disease Management • Urgent - Immediate Care • General & Proactive Healthcare • Women’s Health • Pediatric Care

30544 Highway 200, Suite 101 • Ponderay, Idaho • 208-263-6300 woodlandsfamilymed.com

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don’t feel rushed because their patient panel is reduced to between 400 and 600 patients. They can spend an hour or more with each

...people now have access to the primary care physician 24 hours a day seven days a week. patient, answer questions by e-mail, text messages, or phone. Patients have their primary care physicians’ direct phone number and are never charged for any interaction or office visit with their physician. They are able to see their primary care doctor as often as needed to get the best quality of care for one monthly fee.

Many practices also offer basic x-ray services, EKG, well visits, detailed dietary guidance, home visits, and chronic care management. Some offices even offer low cost wholesale medications.

Another benefit of this model of care is that it reduces costs. Patients are able to get high deductible, catastrophic plans that are much lower in cost than the Cadillac plans of the past. They then pay their

physician directly without the insurance company collecting a large amount of the fees. This allows the physician to lower overhead because they’re no longer pushing papers for the insurance company and the savings is passed on to the consumer. This equals an almost 50% reduction in overall cost of healthcare services.

Imagine the old days when doctors made house calls, carried little black bags, knew you and your family by name, and you felt a personal attachment to your doctor. You may not have to imagine much longer, because direct primary care physician may be coming to an area near you.

Volney Willett, M.D. is a board-certified family physician who completed his residency at Columbus Regional Medical Center in Columbus, Georgia and earned his medical degree from American University of the Caribbean School of Medicine in St. Maarten, Netherland Antilles. In 2012 he accepted a position at Woodlands Family Medicine to join Joan Bloom at her office in Ponderay.

Philosophically, he believes the physician is a teacher, coach, and clinician; your partner in healthcare, not a dictator of healthcare. Helping you obtain, or maintain, optimal health through the least intrusive means possible necessitates a cooperative relationship with access to care. His goal is to be able to see his patients at their convenience, which means same day or next day appointments. Patients are always welcome to schedule routine care in advance, but can often be seen the same day or the next for both acute and chronic needs.

Personally, as a former marathoner and triathlete, he enjoys studying piano, hiking, biking, swimming, and running with his wife, two children, and dog.

Medicare Doesn’t Cover Everything!

Call Carey today to learn the basics of Medicare. Discover the right Medicare Advantage or Medigap health plan for you!

Serving North Idaho

• Medicare Supplement • Medicare Advantage (MA / MAPD) • Part D Drug Plans

(Annual Enrollment is October 15th - December 7th)

208-610-8096 www.mtbaldydental.com

General, CosmetiC & implant Dentistry Todd M House, DMD, PA 1305 Hwy. 2 W., Bldg. A, Ste A, Sandpoint

208-263-6806

Wise Guide | Fall / Winter 2013

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Retirement Income that Works for You not exactly a viable option.

That is why AARP recently

by Randy Simon, redesigned its retirement calculator Director of to focus on calculating your total Communications, retirement income instead of your AARP Idaho guesstimated retirement savings.

After you enter information about your current savings and f you saved 10 percent of your savings rate, you see how much salary for the rest of your working annual income that might give you life, do you think that would be for the rest of your life and then enough? The so-called “experts” learn ways to boost that income. have long pegged that as the target

The calculator also shows you savings rate, but how would you a red line that is the target income know whether it would meet your you would need to keep your individual needs? current lifestyle after inflation. If

There are plenty of calculators it does not look like you will hit out there to will tell you how much the target, the calculator gives you money you might have saved by the multiple options. time you retire; some will even tell

If you cannot access the new you how long that money might last. calculator from a desktop or laptop In the end, running out of money is computer there are a few other

I

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ways to solve an income shortfall problem:

Delay your Social Security claim. Too many Americans race to claim Social Security the first day they are eligible. By claiming at age 62, you are significantly reducing your benefits for the rest of your life. If you wait a little longer your benefits check will grow as much as 8 percent annually (until you hit age 70) for each year you delay.

The difference between claiming early at 62 and claiming late at 70 is staggering. Your check will be more than 70 percent larger if you wait until 70 to claim. However, there may be some people who cannot wait, such as those unable to work, or who would eventually get a much larger benefit on their spouse’s account when he or she

retires. The AARP Social Security Benefits Calculator will walk you through various strategies for maximizing your benefits.

Work a little longer. The longer you work, the more time you will have to save money (and build pension or delayed Social Security credits), and the later you will be forced to start drawing on your savings. Even part-time work can help tremendously. Bear in mind that some of your Social Security benefits will be withheld if you

Working forever is rarely a possibility, but running out of money should never be an option. claim early but then continue to work. If you wait until your “full retirement age” (usually 66 or 67) to claim Social Security, you can collect your full benefit check even if you continue to work.

Adjust your lifestyle. This seems like a no-brainer, but the new AARP Retirement Calculator shows you the projected national averages for various living expenses in your retirement. You can choose which ones to cut back on and see the impact on your retirement income.

Consider buying an annuity. If it looks like you will not have enough income to support a long retirement, you might want to use a portion of your savings to buy a lifetime income annuity. In exchange for the upfront premium, a life insurance company will provide you a guaranteed level of income for the rest of your life – no matter how long you live. For example, if you paid $100,000 for a lifetime income annuity when you were 65, you would receive about $6,000 a year for the rest of your life, regardless of what the market does.

It makes more sense to buy an annuity when interest rates are higher, because you will lock in a higher monthly payout.

In addition to the two tools mentioned above, AARP offers a comprehensive set of retirement decision-making tools at www.aarp. org/readyforretirement. Working forever is rarely a possibility, but running out of money should never be an option.

Randy Simon is the Director of Communications for AARP Idaho and wishes he would have moved to the Gem State long ago but is happy his sons are native Idahoans. Prior to joining AARP Randy worked as a consultant for Gallatin Public Affairs and as a journalist in New Mexico. He can be reached at rsimon@aarp.org or 208-855-4004.

BABY BOOMERS, SENIORS & RETIREES 55+ throughout north Idaho!

DISCOVER the benefits of VOLUNTEERING through the Retired & Senior Volunteer Program (RSVP)

Senior Medicare Patrol • Ombudsman Tutor & Mentoring • Friendship Corps Food Banks • Meals on Wheels Animal Shelters and many more!

AGES 55+ • visit us online at www.aaani.org Phone: 800-786-5536 or e-mail: bsmall@aaani.org

Gentle Hands TRAINING, LESSONS, BOARDING, COW SORTING AND EVENTS

Serving Washington, Idaho, and Montana

Leora Hand - Accredited Trainer Call for appointment and more information

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208-627-3562 Payroll Services

PROVIDING SERVICES FOR OVER 13 YEARS

Bonners Ferry 6769 Main Street • 267-1665

Financial Statements Non Profit Tax Returns

Business & Individual Tax Preparation Sandpoint 1211 Michigan St., Suite B • 265-2500 Bookkeeping Wise Guide | Fall / Winter 2013

17

Protect Your Eyes! by Dr. Andrea Moore, Optometric Physician

I

n Northern Idaho we are so lucky to have the gorgeous mountains with all of our lakes and scenic trails. One day I was enjoying a day hike near the base of Schweitzer Mountain. I was marveling at the breathtaking landscapes when I came upon a fellow hiker. She was a fit young woman with the latest hiking boots and cargo pants which had an array of pockets and pouches. She wore a running sport top, a knobby pink Ironman watch, and carried the latest style of a water bottle strapped to her palm. Totally prepared for her hike, I thought. I also noticed she wore a pair of clear prescription glasses, and she squinted at the sun as she greeted me.

I see this a lot as an eye doctor in Sandpoint. I wanted to tell her, “Please get a pair of

prescription sunglasses with UV and polarization to protect your eyes!” If you need prescription glasses and you are an outdoor enthusiast, why not put the two together with some cool prescription sunglasses like Wiley X or Ray Ban? Ladies and gentleman, it’s not just wrinkles you get when you squint. The skin around your eyes is the thinnest on your body, and years of exposure to the sun’s damaging UV rays can result in those nasty squint lines as well as an increased vulnerability to skin cancers. An ultraviolet coating on your lenses along with various tinting options protects your eyes

Boutique optical unique eyewear eye exams Full service optical Dr. Julie Gagnon, Optometrist 312 N. 4th Street Coeur d’Alene

Ph 208-676-1422 Fax 208-667-7730

www.cdaeyes.com

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Wise Guide | www.TheWiseGuideOnline.com

from the damaging sun’s rays.

In the exam room we see everything from dry irritated eyes, inflamed pinguecula and pterygia (inflammatory bumps on the white part of your eyes) to early cataracts that are directly related to unprotected eyes in the sunshine. Sunglasses with your prescription in them usually include a “wrap” which curves the lenses around your head to reduce glare coming in from the sides and top of your glasses. Choosing polarized sunglasses is a very smart option.

Polarization is a lens option that cuts the unique glare that comes from being near water surfaces.

That means hiking or running near the ocean, lakes, and streams or snowboarding down a black diamond, your lenses are cutting through some nasty glare making your vision clear and sharp, and you look cool too. Glare problems on water surfaces also includes driving!

When that road ahead of you that you’ve been staring at for hours is wet, there is a tremendous amount of glare off of the road surface.

Don’t think you are too old to

consider prescription sunglasses.

You may not be skiing anymore, but you are still outside, walking, hiking, driving, even sitting in a bass boat with your line in the water. So why not take care of your eyes and be comfortable too? People sometimes don’t think their prescription would

Dr. Julie Gagnon • Dr. Andrea Moore • Dr. Ali Heaton

We’ve expanded to offer services in Coeur d’Alene at Lakeside Eye Care!

Sandpoint 710 W. Superior St., Suite A 208-263-9000 Fax 208-263-9589

Don’t think you are too old to consider prescription sunglasses. work in sporty sunglasses. “Nay, Nay” I say! Good quality frame manufacturers coupled with a knowledgeable optician to set you up with good lens options can make a very cool sunglass package for you. Check it out. Call either the Sandpoint office or our new Coeur d’Alene location for more information!

Coeur d’Alene 312 N. 4th Street 208-676-1422 Fax 208-667-7730

www.sandpointeyes.com

Dr. Andrea Moore has been practicing Optometry for twenty years. Although born and raised in Southern California, she is a recent transplant to Northern Idaho where she practices with school-mate Dr. Julie Gagnon at the Sandpoint office, Eye Care For You! Dr. Moore (Andy) loves cartooning, writing, hiking with her dog, and she enjoys reading a good mystery/suspense novel.

“The Bridge at Sandpoint was there when Mom needed more than I could give.”

Call (208) 263-1524 to learn how The Bridge enriches the lives of seniors.

Photo: Resident Darlene M. with Nurse Beth

“Moving Mom to The Bridge at Sandpoint was the best decision I could have made. She needed attention and monitoring that I wasn’t capable of providing. The Bridge has revitalized my Mom’s health and put my mind at ease.”

AN ASSISTED LIVING COMMUNITY

1123 North Division Street Sandpoint, ID 83864 www.thebridgeatsandpoint.com

Wise Guide | Fall / Winter 2013

19

“You’re Pregnant?”

by Susan Young, Executive Director, Life Choices Pregnancy Center & In~Sight Clinic

N

ot all babies are planned for.

The news of pregnancy seldom comes when a woman has just the right job, is just the right age, and is in the happiest of relationships.

In fact, recent statistics indicate that 49% of all pregnancies are unintended. That doesn’t mean the babies are unwanted; it simply means that pregnancy wasn’t part of the plan at this time in a woman’s life. News of an unplanned pregnancy may be joyous for some, overwhelming for others. When the news comes, a woman wants someone she can talk to -- someone who will not overreact or force her into a decision she may live to regret. Not everyone has someone like that in their life, and that is why the Life Choices Pregnancy Center & In~Sight Clinic exists.

We serve women of all ages.

When a woman comes to our office, she will be greeted by someone

who will become her advocate.

After completing the necessary paperwork, we will confirm her pregnancy with a medical-grade pregnancy test. She will have a chance to talk with someone about her feelings, fears, and concerns about her pregnancy. Every woman has questions, especially if it is her first pregnancy. We may schedule her for an ultrasound with our onsight nurse to determine whether or not her pregnancy is viable, and let her see her baby on the ultrasound screen. All of our services are free and confidential.

For women who choose to

I Think I’m Pregnant! Now What?

Get the Facts—Call...

Life Choices Pregnancy Center & In-Sight Clinic

Free & Confidential Pregnancy Tests, Ultrasound & Someone to Talk to About Your Options.

Mon-Tues-Wed 10 am to 2 pm Thurs 12 noon to 4 pm

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502 N. 2nd Avenue, Sandpoint • 208-263-7621

Wise Guide | www.TheWiseGuideOnline.com

parent, either alone or with the father of the baby, we offer a series of free pre-natal, parenting, and life skills classes to prepare her for her new responsibilities through the Earn While You Learn program. As a participant she will earn “Baby Bucks” that can be used for shopping in our baby boutique. We want her to become the best parent she can be.

Some women do not feel ready for the responsibility of parenting alone; they may choose to place their child in an adoptive family. There are many couples who are ready for parenthood, but unable to conceive a child of their own. Adoption is a

loving parenting option that allows the birth mother to know her child is being well cared for.

While we are not an adoption agency, we can refer her to a variety of adoption services and she can begin to select the best family for her child.

Decisions about abortion are difficult, and each decision brings different challenges.

Learning about the types of abortion procedures and their risks will help a woman make an informed decision. We are not an abortion clinic, nor do we recommend or refer for abortion or abortifacients.

We are staffed with many volunteers who have experienced their own unintended pregnancies. They are here to listen to each woman’s concerns. It is our goal to be a good sounding board and to provide factual information so that she can make an informed decision and a choice she can live with for the rest of her life.

We are also available to the father of the baby and all of their immediate family members throughout the pregnancy and after. We want them to enjoy a healthy family relationship.

Life Choices Pregnancy Center & In~Sight Clinic is a non-profit 501(c)(3) organization. We do not receive state or federal funding. Instead, we are funded by individuals, churches and local businesses that care about the health of women, children and families.

We are located at 502 N 2nd Avenue,

Sandpoint, and can be reached by phone at 208263-7621. Appointments are recommended.

Visit us on the web HYPERLINK “http:// www.LifeChoicesPregnancyCenter.org” www.

LifeChoicesPregnancyCenter.org.

Susan Young joined the Life Choices Pregnancy Center in 2009 as a committee member. She was invited to join the Board of Directors in 2011, and when the Center’s long-term director, Sandy Lieske, notified the board of her retirement in January of 2012, Susan assumed her role as the Executive Director. Susan and her husband, Larry, live in Hope.

Thank you, We are truly proud to be the pharmacy partner of choice for so many great retirement communities in Bonners Ferry, Coeur d’Alene, Hayden Lake, Post Falls, Sandpoint and Spirit Lake.We look forward to many more years of dedicated service.

Sincerely, Northwest Health Systems Pharmacy

NORTHWEST HEALTH SYSTEMS, INC.

Wise Guide | Fall / Winter 2013

21

Can a Massage Change Your Life?

By Carl Northrup

O

ne massage...maybe not, but one massage will alleviate your current pain and it can be the starting point to a more vital you. Picture yourself with less pain, or no pain.

• More ROM (range of motion).

• A less stressed and happier you.

• It can improve your golf swing and possibly take

a few strokes off your game.

• Let you play with your children/grandchildren

longer.

Therapeutic deep tissue massage can keep you on your feet at work when a handful of pills won’t. Nurses understand this and are my No. 1 clients.

Back pain is the No. 1 reason for missed work in the U.S. next to “on the job injuries.” Therapeutic Massage, tailored to your specific needs and pain, can keep you on the job longer and happier.

Post-surgical massage can speed healing and reduce pain and inflammation.

What Excuse do YOU have for NOT getting a Massage?

“I don’t have time” THERAPEUTIC MASSAGE MOBILE THERAPIST

Most massages are 60 minutes long. Some people like or need 90 minutes. When you account for the amount of time you’re in pain, or the amount of sleep you’re missing, 60 minutes per week or every two weeks is pretty small, especially if your therapist comes to you.

“I’m too fat” PAIN RELIEF WITHOUT MEDICATION "Relaxation in the comfort of your own home" SWEDISH MASSAGE • LA STONE MASSAGE • DEEP TISSUE HYDROTHERAPY • ACTIVE ISOLATED STRETCHING Colville to Cd’A, Spokane to Sandpoint and Ione to Deer Park

Carl Northrup L.M.P. MA60354553 MAS-34

509-671-3949

ikneadedthat53@yahoo.com • www.ikneadedthat.abmp.com

It’s really nice when someone kneads you!

ASK HOW TO RECEIVE A MASSAGE FOR AS LITTLE AS $5!

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The amount of adipose tissue (fat) is irrelevant. We as massage therapists have worked on just about every body type there is. Some of my clients are over 300 lbs.

Therapeutic massage is just that...THERAPEUTIC. The body has this amazing ability to communicate with itself (tissue to tissue.) As therapists, we know how to reach the muscles and to release the tensions that are binding up the subcutaneous (under the skin) tissues. These bound up tissues cause aches and pains that are easily relieved without pills. Without the pain you can feel more like exercising. Eating better because you feel better. What a concept for losing weight...feeling better!

Wise Guide | www.TheWiseGuideOnline.com

“I had a bad experience” Not all therapists are alike. Talk to your therapist and let them know your expectations and concerns. We respect you and want your experience to be memorable in a good way. We want you to come back. Our reward is you feeling better.

If a therapist hurt you or acted inappropriately...don’t go back. If it was a sexual impropriety...report them. I recently talked to a school teacher that didn’t ever want to get another massage; because of the two massages she ever received the therapists hurt her. She was with friends at a spa party and everyone was getting a massage, but she was going to pass, even though it was already paid for. I convinced her to let me give her a half hour massage. She came out raving to her friends how wonderful it was. Communication is key.

“It is waaaaay too expensive”

Did you know that with a doctor’s prescription most insurance companies will pay for your massage?

And if yours doesn’t, or you don’t have insurance, I

know a therapist that is quite reasonable and will come to your home.

Think on this also...

Over time, pain medication has a detrimental effect on life sustaining organs like your liver, along with a laundry list of other side effects. The side effects of massage on the other hand are all positive and healthy.

• Relieves pain

• Lowers blood pressure  • Better sleep

• Can reduce the amount of medication you are

taking for other ailments

• Detoxifies the body The list goes on and on. Ask a massage therapist!

It’s really nice when someone KNEADS you.

Carl Northrup received his training at The American Institute of Clinical Massage in Post Falls, Idaho. He is a nationally certified practitioner, licensed in both Washington and Idaho, and is a professional member of the Associated Bodywork and Massage Professionals.

Carl tailors each massage therapy session into a unique healing experience guided by an intuitive and caring touch, whether you just want to relax or have specific goals in mind.

Enhancing Health with Heart and Spirit Skilled Care Centers * Sandpoint * St. Maries Both with special care units for those with difficult to manage behaviors.

Each facility has a fully equipped therapy department offering Physical, Occupational, and Aquatic Therapy for in-patient and out-patient therapy.

Medicaid - Medicare - VA - Private Insurance Assisted Living * St. Maries For those who want to keep their independence but have the convenience of someone around when they need assistance. Choose from a home-like setting in Cottage to fully self-contained apartments.

Services include but are not limited to: bathing, dressing, mobility, transferring, shopping, laundry, medications and supervision.

Aquatic Therapy Pool with built-in treadmill.

LLLLLLLLLL St. Maries 820 Elm Street Skilled Center 208-245-4576 Assisted living 208-245-5908

Visit our website at www.valleyvista.org

Sandpoint 220 S. Division 208-265-4514

Wise Guide | Fall / Winter 2013

23

Face the Facts!

by Joel Loiacono, Executive Director, Alzheimer’s Association - Inland Northwest Chapter

A

lzheimer’s disease is not just about memory loss.

Like other types of dementia it robs people of their dignity and the ability to live independently. Family members lose the person who they knew as their parent, grandparent, sibling, aunt, uncle or cousin.

Here is an all-too-common story: Sally is 83 years old, diagnosed with Alzheimer’s disease and living alone. Her four children live hundreds of miles away and are desperately trying to support Sally. She has lost weight because she forgets to eat and has difficulty preparing her own meals. Her personal appearance is deteriorating. Sally still drives. This is evident from the many new dents in her car. Unfortunately Sally has given up her weekly bridge game with her friends because Alzheimer’s disease has robbed her of her ability to concentrate and to remember the rules of the game. Sally’s children recognize that Sally is no longer able to live independently or drive. Like many families trying to cope with Alzheimer’s disease, they face difficult and agonizing decisions about where Sally will live and how they can afford the cost of a residential care facility. Additionally they face the heartbreaking conversation with Sally about moving to a facility and the loss of her car.

The first wave of this tsunami called Alzheimer’s disease has already hit; we now have 5.2 million people with Alzheimer’s disease in the United

States. The second wave is arriving as baby boomers are now turning age 65. This has a human and economic toll for Americans. In 2010, 83,494 Americans died of Alzheimer’s disease; the sixth leading cause of death in the United States overall and the fifth leading cause of death for those aged 65 and older. Among 70-year-olds with Alzheimer’s, 61% are expected to die within the next ten years.

Among 70- year-olds without Alzheimer’s, only 30% will die in that same time. Deaths from Alzheimer’s disease increased 68% between 2000 and 2010, while deaths from other major diseases, including the number one cause of death (heart disease), decreased. Alzheimer’s is the only cause of death among the top 10 in America without a way to prevent it, cure it or even slow its progression.

Medicare and Medicaid costs for Alzheimer’s care top $140 million annually. By 2050, Alzheimer’s disease will cost Americans $1.2 trillion annually.

Where do we go from here? In 2012 the federal government developed the National Alzheimer’s Plan.

It updated that Plan in 2013. The update calls for $80 million in additional Alzheimer’s research funding in the 2014 budget. It also calls for $20 million in caregiver support funding. Families need to contact their Member of Congress and request that they support this funding for the National Alzheimer’s Plan.

The Alzheimer’s Association is the largest private funder of research for a cure. You might consider

Inland Northwest Chapter We are a private, donor-funded nonprofit organization dedicated to fighting Alzheimer’s Disease through

Education l Family Support Research l Advocacy National Website: www.alz.org Chapter Office: Deaconess Education Center 910 W. 5th Avenue, Suite 256 Spokane, WA 99204 (509) 473-3390

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North Idaho Office: (208) 666-2996 24/7 Free Helpline: (800) 272-3900

Wise Guide | www.TheWiseGuideOnline.com

Wytychak Elder Law, PLLC Our goal is to provide quality assistance in a timely manner at a reasonable charge.

314 E. Garden Avenue Coeur d’Alene, Idaho (208) 765-3595 www.wytychakelderlaw.com

helping to raise funds to support local services and to help find a cure for Alzheimer’s disease. Make your voice heard and join the Walk to End Alzheimer’s, an annual event held each September in Coeur d’Alene. Find a way to participate in other Alzheimer’s awareness efforts and events. Alzheimer’s disease touches all of us in some way.

The Alzheimer’s Association - Inland Northwest Chapter provides a 24-Hour Helpline at (800) 2723900. The Chapter also has support groups and nocost education events. In July, it opened a support group for people in the early stages of Alzheimer’s and other types of dementia along with their family members. The Chapter has a wide variety of written information and the website at www.alz.org also has invaluable information, a calendar of local education events, videos, chat rooms, and bulletin boards.

Take action now! Seek help for your loved ones from agencies like the Alzheimer’s Association and join the voices of millions of Americans to end this disease.

Joel Loiacono is the Executive Director of the Alzheimer’s Association – Inland Northwest Chapter.

He has over 17 years of experience in helping families coping with Alzheimer’s disease and other types of dementia.

FUNERAL HOME AND CREMATORY

Preplanning and funeral arrangements... providing full support to your family in a time of need.

3398 E. Jenalan Avenue Post Falls, Idaho 208-457-8880 www.belltowerfuneralhome.com Family owned and operated

Surgery in your future?

Does post-surgical rehabilitation in the big city sound unappealing?

Consider coming home to Newport for your skilled nursing and restorative care.

Newport Hospital and Health Services can provide you with the specialized inpatient rehabilitation you might need following surgery.

We also offer outpatient physical, occupational, and speech therapy services.

For more information, talk to your doctor today.

You can trust YOUR local healthcare team.

Serving our community 24 hours each day, 7 days a week. We’re here when you need us!

Newport Hospital & Health Services

714 W. Pine St. ● Newport ● 509.447.2441 ● www.phd1.org

Wise Guide | Fall / Winter 2013

25

The MedPax System

M

edications work better when they are taken regularly and properly, thus resulting in overall better health and improved quality of life for the patient. There has been a lot of discussion about pharmacies and pharmacists taking the initiative to help improve the patient’s understanding and use of their personal medication. Medicine Man Pharmacy (at two locations, Medicine Man Prairie in Hayden and Medicine Man West in Post Falls) is doing so by efficiently combining medications for our patients into the compliance packaged MedPax dose packs that are organized around dosage times.

The Medicine Man MedPax is clearly marked with the date, day, and time of day the packaged medications are to be taken and each individual package is labeled with all the information that is required to be on a prescription label. The medications are dispensed to the patient in this MedPax packaging rather than the traditional separate Rx containers.

About 20 percent of Medicare patients return to the hospital within 30 days of discharge, a trend

26

that costs taxpayers $17 billion a year and prompted healthcare regulations that penalize hospitals for readmissions.

More post-discharge adverse events are related to medications than other causes. About half of patients don’t take their medications as prescribed. (New England Healthcare Institute, 2009).

The advantages to the MedPax system for the patient are huge!

• Patients coming out of a hospital stay with a lot of unfamiliar medications, find the use of MedPax compliance packaging decreases the chance of hospital readmission due to improper or misunderstood prescription medication usage.

• MedPax make it easier for patients to know when to take their next dose, and enables caregivers to manage multiple medications with ease at home; ensuring patients take their medications as prescribed. Patients stay healthy, and avoid unnecessary hospital stays and the costs related to improper prescription medication usage.

• Dosages and medication schedules are examined and arranged by pharmacists, providing more assurance that medications will be taken at the right time as well as in the right combinations.

• Medication schedules are studied and reviewed by a pharmacist for problems, errors, drug interactions, savings opportunities and much more. And, they are reviewed monthly thereafter before filling and packaging the medications.

• The patient or their caregiver will spend a lot less time worrying about pill schedules every month and organizing medications into pillboxes or whatever (if anything).

• All prescriptions are synchronized to be filled the same day every month (every 28 days) resulting in fewer trips to the pharmacy for the patient or caregiver.

Medicine Man Pharmacy has been serving North Idaho since 1978 and is the very first in our area to offer comprehensive prescription compliance programs at a very low cost to the consumer. For more information, please visit: www.MedManMedPax.com or call 208-762-9355.

Wise Guide | www.TheWiseGuideOnline.com

n u e o e d y f H i e o r s u p s i c t e o ? ” N Don’t give up hope! “ Ask us how we can help.

Serving these North Idaho counties: Benewah • Bonner • Boundary • Kootenai • Shoshone • 100% covered by Medicare, Medicaid, VA Benefits, and most private insurances • Our medical professionals are on call 24 hours a day, 7 days a week – you don’t need to go through an answering service • Personalized care in your home from our nurses, caregivers, social services, and spiritual care staff • We provide a variety of medications, supplies, and medical equipment to help save your resources • Same day admission after referral • Free consultation • Rapid response time to meet your needs

www.auburncrest.com

My family and I are extremely grateful for not only the medical support you gave my father, but the emotional support and selflessness you have given to our family.

You will forever be in our hearts.

—Kimberly and family

1596 E. Seltice Way Post Falls Wise Guide | 208-773-7731

6371 Kootenai, Unit 4 Bonners Ferry Fall / Winter 2013 27 208-267-0579

In Tax Planning, Planning Is the Operative Word

M

by Brad J. Williams CPA & Personal Financial Planning Specialist, Williams & Parsons

any think that tax planning means making a few adjustments to reduce taxes when you prepare your return in April.

Today, planning means taking a broad, proactive view to take advantage of a wide range of tax situations.

For taxpayers, there’s no need (or hope) to know all the intricacies

COMPLETE accounting services We are a full-service CPA firm providing expertise in tax preparation, payroll, accounting, QuickBooks services, auditing, business valuations and more.

THOUGHTFUL wealth management At Williams & Parsons Financial Services, LLC, we offer a tax-sensitive, diversified approach to investment management. We are your source for unbiased financial advice and personalized client service.

Call or visit us online today. 208.265-5959 SandpointCPA.com • SandpointFinancial.com

Williams & Parsons, PC CER TIFIED PUBLIC ACCOUNTANTS

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Wise Guide | www.TheWiseGuideOnline.com

of the tax code. The help of a professional is essential. What the taxpayer can provide, however, is a complete and candid description of his or her current circumstances, projections for the future and longterm goals. Your tax professional needs to know about the following situations to help you make appropriate plans going forward.

With the passage of the American Taxpayer Relief Act in early 2013, high earners face higher rates and phase-outs of some deductions. Some provisions of the new law kick in at $450,000 for married taxpayers; other provisions of the Affordable Care Act apply to couples making $250,000 or more.

If you’re approaching these levels, after credits and deductions, it may be worth a look.

My income is going down.

Are you retiring early? Or maybe starting a new business and taking little or no salary? A decline in income can provide benefits beyond simply being in a lower tax bracket. For instance, you may be able to pay no tax on capital gain — yes, zero percent — if you are in the 15 percent tax rate or lower ($72,500 for couples). That means not harvesting capital losses like most taxpayers do, but instead taking capital gains. Selling appreciated securities can provide a tax-free cash flow, or if a cash flow isn’t needed, securities can be sold and repurchased to raise the cost basis to current prices, lowering future tax liability.

I want to make things easier after I’m gone.

The goal estate planners pursue is to ensure that all our assets are distributed as we wish while our tax losses are limited. In many cases, there’s a benefit to starting this process long before death. For instance, if you plan to leave significant amounts to children or others, you can start with gifts while you are still alive, to as many recipients as you wish, up to $14,000 per year per person. This approach reduces the size of your taxable estate and puts money in the hands of those who may need it more now. And while not reducing the taxable estate, it still might make sense to transfer more than $14,000 each year and use some of the lifetime exclusion, which is currently $5.25 million.

I want to make a difference. The tax benefits related to charitable contributions are a bonus on top of the difference they can make in education, the arts and other fields. Depending how the contributions are made and where they come from, you may be able to make your contribution go further. For instance, if you are older than 70, you can make your required minimum distributions directly from your IRA to a charity and avoid taxation of the distribution. (But it must be paid directly from the IRA to the charity; if you take possession, the benefit is lost.)

SPEAK FREELY

These are just a few situations that merit attention and discussion with your CPA. Of course, all of these possibilities come with numerous exceptions, limits and constraints. The key idea is that your tax advisor needs to know your current situation, your financial expectations for coming years and the goals you have for your assets. Two people with very similar situations but different plans for the future may need very different tax plans.

Tax planning needs to happen soon, you can’t wait until April. Keep candid dialogues going with your CPA. It can only help in the ongoing challenge of tax planning.

Brad J. Williams began his career with the “Big 4” accounting firms. First working for KPMG in Billings then for Coopers and Lybrand in Spokane. Brad has been in Sandpoint since 1991. Brad specializes in providing planning, tax and accounting services to business and their owners. In addition to being a CPA, he also holds the Personal Financial Planning Specialist designation.

Need help deciding what to do?

Marshall Law Office & Mediation Center Angela R. Marshall, BBA, MBA, JD Attorney/Mediator Providing professional, yet personal, mediation services to assist in resolving conflicts and disputes.

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208-255-7260

www.northidahomediation.com Wise Guide | Fall / Winter 2013

29

Feeling Good...or Not!

by Gretchen Steen Alcohol & Drug Counseling & Recovery Services

A

lcohol has been enjoyed by man for thousands of years. In fact, finding Stone Age beer jugs established that fermented beverages existed at least as early as the Neolithic period (circa 10,000 B.C.).

What is this fascination we have with alcohol, a chemical so toxic that only one form (ethanol) can be safely ingested? A significant part of our programming, referred to as the pleasure-pain principle, is an automatic mental drive or instinct, described by Herbert Spencer in the 1800’s: life-sustaining actions generate feelings of pleasure and life-negating actions generate feelings of pain.

These days, it seems that happiness, the seeking of pleasure over pain, is our Holy Grail. As humans, we have many natural ways to achieve happiness/ feel rewarded and these good

feelings are due to the activation of neurotransmitters (dopamine, serotonin, norepinephrine, endorphins and enkephalins) in an area of the brain known as the Reward Pathway. These neurotransmitters each have different functions but all of them are rewarding in some way. Alcohol stimulates the Reward Pathway, producing pleasure more quickly and intensely than our natural reward system.

Interestingly, alcohol does not work the same way for everyone due to the fact that we are each biochemically unique. Some people try drinking and don’t like it; others try it and enjoy the relaxation, rosy outlook, and “social lubrication” that it provides, having a drink once in a while when the opportunity presents itself. For a smaller percent of the population, alcohol assumes more importance, is actively sought, and often a personal supply is kept on hand. Some progress to abusing alcohol and others go further to what is known as Alcohol Dependence, Addiction, or Alcoholism. The fascinating fact about this is that there is no one genetic marker, mental health problem, personality, or life event that consigns a person to addiction.

Are you concerned about your alcohol or drug use?

Or worried about a friend or family member?

208-255-9333 Alcohol & Drug counseling & recovery services confidential consultations • education • group & individual counseling

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Wise Guide | www.TheWiseGuideOnline.com

About 68% of adults in America drink and only a percentage end up with an AUD (alcohol use disorder).

The progression from experimental drinking to social drinking to problem drinking to addiction is extremely varied. Some problem drinkers drink daily and others occasionally. Some drink larger quantities than others. The signs of addiction are sometimes very apparent and sometimes hidden; the “functional” alcoholic, holding down a great job and having the appearance of a normal life. In reality, some people who drink daily are not problem drinkers and some people who drink once a year are alcoholic. Think of it this way: it’s not about how much you drink or how often, but rather what happens when you put alcohol into your body.

The following true story is illustrative:

Sean could never understand his father’s alcoholism because it caused his father so many appalling problems, including incarceration.

Sean avoided alcohol for a long time, but eventually tried it. He described his first drinking episode,

which led to his own alcoholism, in this way: “I suddenly understood why my father was willing to go to jail!”

Continued drinking damages the brain and changes how it works. It is not a moral issue, nor is an alcoholic a “bad” person. He/she has a chronic progressive disorder which is life-threatening and is treatable. If you or someone near to you is noticing problems resulting from drinking, further exploration could avert serious or tragic consequences. Obtaining an evaluation or talking with a substance abuse professional, attending AA, or speaking with your physician or pastor are all great ways to start the process.

Gretchen Steen earned a BS in Psychology and Sociology and holds a CSAAS from the University of Hawaii. She is a Certified Alcohol/Drug Counselor and a Substance Abuse Professional. Gretchen has worked as a counselor in outpatient facilities in Hawaii and Sandpoint and, since 2006, has been in private practice as a chemical dependency counselor in Sandpoint, providing individual counseling, group sessions, education, and outpatient treatment. She loves assisting clients in exploring their alcohol/drug use and achieving their personal goals. For confidential inquiry, please email Gretchen at adcounseling@gmail.com

The most loving act...

Pre-planned Funeral Arrangements Pre-arrangement Specialist

Bart & Anne Marie Casey

Lakeview Funeral Home & Cremation Service 301 S. Olive, Sandpoint, Idaho

208-263-3180

www.lakeviewfuneral.com

Wise Guide | Fall / Winter 2013

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We Are Veteran Ready!

by Curley Lawson, Veterans Advisor, North Idaho close and personal and lived to tell College the tales.

Eventually, everyone’s military orth Idaho College is veteran service comes to an end, and many friendly and veteran ready. veterans elect to take advantage of Many people have asked me what their GI Bill benefits. Many people that means; allow me to explain. As are unaware that the GI Bill is an the Veterans Advisor at North Idaho earned benefit and mistakenly College, I’ve been honored to meet believe the GI Bill is free money and work with vets who have years for veterans. This is one of several of service and multiple deployments stigmas and challenges the veteran under their belts: those who have student has to face and overcome in served a hitch or two and Guardsmen order to achieve academic success. and Reservists who have served from In fact, there are many 30 days to 30 years. These veterans challenges the veteran student may have military experiences that range encounter en route to completing from administrative clerks to Special a degree or certificate, including Forces operatives and all Rates, wartime readjustment, diagnosed MOSs and AFSCs in between. This and undiagnosed post-traumatic dedicated, goal-oriented population’s stress, and traumatic brain injury. lives are the stuff of legend and Veterans are more likely to have Hollywood blockbusters and nearly family, work, and community every one of them will tell you, “they commitments. Additionally, there is ain’t scared of nothing and nobody,” the less obvious and, for some vets, not with arrogance, but with the the greatest obstacle to academic conviction of someone who has success, which is learning to be a trained for or has seen warfare up college student. The veteran student

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must contend with this mixed bag of challenges and obstacles while navigating the strange new world of higher education.

Many veterans are surprised to learn the old rules and frameworks for success may no longer apply.

More than one veteran has voiced frustration that colleges don’t have the clearly defined chain of command that military units have or the absolute guidance of military regulations. Sometimes military values, customs, and culture are misunderstood or even feared.

Regrettably, far too many veterans have been overwhelmed by the challenges of attending college and withdrew or just stopped attending classes.

What should a veteran who wants to complete a technical certificate, a two-year degree or four-year degree do? Enroll at North Idaho College because NIC provides an environment and trained professionals that can equip the

Curley Lawson is originally from Chicago, Illinois.

He joined the U.S.A.F. in 1981 and retired in 2004 after completing nine assignments and numerous deployment and temporary duty assignments. Curley completed a Bachelors of Science degree in Psychology in 2008 and Masters of Social Work in 2012. He was the Director of Social Services prior to accepting the current position of Veterans and Multicultural Advisor at North Idaho College.

Se 5 No r ving Id rther aho’s n Co untie s

If you’re a Veteran or Surviving Spouse . . .

We can help you apply for a benefit to get the care you deserve, and stay in your own home.

10 years’ experience • Call us today Ask for Paul Krames, (877)390-6377 www.VeteransHomeCare.com

by Rob McKenney

Side Effects

student veteran with the necessary tools to complete their academic mission. NIC’s Veterans Services can help veterans sort through the complexities of the GI Bill to ensure the veteran makes the best financial choice for him or herself. We provide a studentdesigned, veteran-centric environment that enriches the vet students’ academic and social experiences.

The North Idaho College Veterans Center connects veteran students to needed community resources, information, and networking opportunities. The NIC Veterans Club helps veterans and those who support veterans have socially rewarding opportunities such as video game tournaments, Thanksgiving dinners, Christmas festivities, and more.

NIC is currently the only college in Idaho with a social worker in Veterans Services. There are multiple advantages for the vet students resulting from this unique position. The Veterans Advisor is able to help vet students through the VA Medical Center, community-based outpatient clinics and community resources. Bringing the perspective of the “The person is not the problem, the problem is the problem,” to the challenges the veteran student is contending with is the difference between “What’s wrong with you or what’s wrong.” Far too many veterans have heard what’s wrong with you. At North Idaho College, all of our students, and especially our veteran students, can truly “Start here... and go anywhere.”

“On second thought, dear, tell the builders I’d like the whole thing moved over just a few feet to the left.”

CompLete SeRVICe pLUmBING & RepaIR

Jason Conklin 208-704-3763 3rd Generation Idaho Native Licensed & Insured Regular Rate $60/hour • After Hours $90/hour Plus travel time over 20 miles.

The customer is always right!

Veterans Home Care is not a government agency and is not affiliated with the Department of Veterans Affairs

Wise Guide | Fall / Winter 2013

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This page brought to you by:

Veterans Service Officers (VSOs) are advocates for veterans and YOUR FIRST POINT OF CONTACT for all veterans, active military and their dependents.

The VSOs exist to help you!

No matter what benefits you are seeking, you must first apply to the VA for determination.

These VSO’s can help:

With respect, dignity, pride, integrity and compassion, we honor Veterans.

MONTANA

IDAHO

Montana State VSO: Randy Winter, 406-755-3795 National Guard Armory 2989 Hwy. 93 North, Kalispell, MT 59901email: mvadkal@centurytel.net

Idaho State VSO: Darryl Heisey, 208-446-1092/1094 120 E. Railroad Ave., Post Falls M-F 8:30 am - 5:00 pm email: Darryl.Heisey@veterans.idaho.gov

Volunteer VSO: Steve Combs 1349 Hwy 2 East, Kalispell, MT Tues & Thursday, 10 am - 3 pm steve@veteransfoodpantry.org

Benewah County: Linda Law, 208-245-3212 701 College Ave., Suite 101, St. Maries, ID Wednesdays 9:00 am - 3:30 pm email: llaw@benewahcounty.org

Outreach Centers

Bonner County: Darryl Heisey, 208-446-1092/1094 120 E. Railroad Ave., Post Falls M-F 8:30 am - 5:00 pm Darryl.Heisey@veterans.idaho.gov

VA Outreach Center 509-444-VETS(8387) www.vetcenter.va.gov Fixed base: 13109 East Mirabeau Parkway Spokane Valley, WA

Boundary County: Jim Wilson, 208-267-8611 6635 Lincoln St., Bonners Ferry Thursdays 9:00 am. - 1:00 pm

Spokane Mobile Vet Center - “Leave No Vet Behind!”

We come to you! Serving N. Idaho, Washington, Northeast Oregon and Northwest Montana with our Mobile Vet Center.

We provide Veteran and spouse/significant-other benefits assistance at no cost to the Veteran or family.

Kootenai County: Scott Thorsness, 208-446-1090/1092 120 E. Railroad Ave., Post Falls M-F 8:30 am - 5:00 pm email: sthorsness@kcgov.us

Schedule: Coeur D’Alene, North Idaho College 1st & 3rd Wednesday Colville VFW - Every other Friday Sandpoint VFW - 2nd & 4th Thursdays

Shoshone County: Susan Hendrixson, 208-752-3331 700 Bank St., Suite 120, Wallace ID M-Thurs. 9 am - 5 pm email: commsec@co.shoshone.id.us

Kalispell Vet Center 690 N. Meridian Rd., Suite 101, Kalispell, MT 406-257-7308 or 877-927-8387

DID YOU KNOW? Enrollment for VA Health Services satisfies the Health Insurance requirement of the Affordable Care Act. CALL YOUR VSO TODAY and get going — time is running out!!!

This page brought to you by:

Medicare Doesn’t Cover Everything!

Serving veterans their Call Carey today toand learn the basicsspouses of Medicare. Discover the right Medicare in time of need.

Advantage or Medigap health plan for you!

Serving North Idaho

• Medicare Supplement • Medicare Advantage (MA / MAPD) • Part D Drug Plans

VETERANS HELPING VETERANS

(Annualveterans Enrollment is October 15th - December 7th)

Some local organizations provide firewood to veterans in need. Others have acquired 208-610-8096 donated walkers, bathing seats, wheel chairs, and other odds and ends that might be needed by veterans. If you know of someone who needs help, contact your local VSO officer. They know who is doing what throughout the veteran community - it’s their job to know - all you have to do is call them!

www.maketheconnection.net

A national, public awareness campaign by the Dept. of Veterans Affairs that features candid, personal testimonials from veterans and their loved ones and provides access to local resources.

VETERANS CORNER RADIO

Do you have questions or concerns about veterans? Would you like to hear from an expert? Tune into 1050 am radio every Sunday at 8:30 a.m. to hear about veterans concerns with Connie Clark from Home Helpers.

project ChARLIE

EMERGENCY CARE

At some time in your life, you may need emergency care when it is not possible for you to go to a VA Medical Center. In this event, go to the closest emergency room and then contact the VA, preferably within 72 hours. The VA will discuss coverages and to arrange transfer to the VA hospital if a VA bed is available and you can be safely transferred.

For more information on non-VA emergency care, visit http://www.nonvacare.va.gov

“Charlie” is an H-34 helicopter being restored in partnership with the VVA, Post 890 and the Marine Corps League, detachment 1110 in Sandpoint. You can go to: http://dawgdriverforever.blogspot.com to read the continuing adventures of Charlie. She travels around Sandpoint quite a bit! Tax-deductible donations to help with repairs are also welcome and can be sent to: Vietnam Veterans of America, P.O. Box 2014, Sandpoint, ID 83864. Please include a note: “For H-34 Charlie.”

www.veteranscrisisline.net

Connects veterans in crisis and their families and friends with qualified, caring Dept. of Veterans Affairs responders. Veterans and their loved ones can call 1-800-273-8255 and Press 1.

“Charlie”

This page brought to you by:

ONLINE & TELEPHONE RESOURCES

Let us never forget their sacrifices.

www.myhealth.va.gov www.startmovingforward.org

A free, online educational and life coaching program that will help veterans to better handle life’s challenges.

www.veteranparenting.org

A free online course developed

by VA and DoD that provides military and veteran parents with information and strategies to improve their parenting skills.

www.va.gov/coachingintocare

A VA service to help family members and friends help a veteran seek VA care.

Callers get information on VA services and coaching on talking about treatment needs with the veteran in their lives. 1-888-823-7458

KOOTENAI COUNTY SENIOR INFORMATION FAIR “Honor Our Veterans” Join us...

Veterans Day, November 11th 1 pm-4 pm at Bestland Senior Living Community for a community fundraising event benefitting the Kootenai County Veteran Assistance Fund.

Funds raised at this event will stay in the local community to help our veterans offset out of pocket costs associated with services not covered by the VA. Come enjoy our great food, prizes, and awesome gift basket raffles!

My HealtheVet is the gateway to web-based tools that empower veterans to become active partners in their health care. With My HealtheVet, users access trusted, secure and informed VA health and benefits information at their convenience.

SMART PHONE APPS www.ptsd.va.gov/public/pages/PTSDCoach.asp

Learn to manage symptoms that commonly occur after trauma using the PTSD Coach app. Includes information on PTSD, treatments, tools for screening and tracking symptoms, skills to help users, and direct links to support and help.

www.ptsd.va.gov/ professional/pages/ fslist_mobile_apps_pro. asp

Treatment Companion Apps are designed to be used alongside work with a provider in the treatment of Insomnia, PTSD and smoking. These apps were created by the National Center for PTSD and their collaborators and are not intended to replace professional care.

This page brought to you by:

Choose to live every moment to the fullest!

Idaho Military Behavioral Health Alliance The Idaho Military Behavioral Health Alliance was founded in Spring 2012

by Army OneSource (AOS) Community Support Coordinator Sheila M. Warner, MSW. The main goal of the alliance is to provide low-cost workshops around the State of Idaho on military behavioral health needs, military culture and veterans’ needs and benefits. This goal stemmed from surveys done by the Idaho Military Faith Alliance to area pastors in Fall 2012 who requested having access to more educational opportunities.

The alliance includes partnerships among the Idaho National Guard, Catholic Charities of Idaho, Army OneSource, Boise VA Hospital and several behavioral health specialists around the state. These partners have all joined together to help produce workshops and assumed tasks that include preplanning, organizing, advertising and presenting.

Mrs. Warner believes past and future workshops are completely dependent on the alliance partners and their unending support.

The alliance held their first workshop in Coeur d’Alene in November 2012 on the topic of Post Traumatic Stress Disorder (PTSD) with an attendance of 30 people. The following April the alliance held their second workshop on Military Suicide in Boise with over 100 attendees, a thirdworkshop in Pocatello in September with 40 people, and a forth in Coeur d’Alene in October with 80 people.

The alliance will begin planning their 2014 workshop schedule and topics in November 2013.

The City of Lewiston has expressed an interest in hosting a Military Suicide workshop in February.

Mrs. Warner would also like to see an “End of Life of Veterans” workshop put together for Idaho Hospice organizations. Another upcoming 2014 workshop would be on Military Youth as well.

If you are interested in attending future workshops,

supporting future workshops, joining the alliance or have ideas for other workshop topics, please contact Sheila Warner at (208) 660-5607 or by email Sheila.

Schumacher@serco-na.com.

For more general information about Army OneSource and their alliance work in Idaho and around the country please go to http://aosresourcecenter.com/.

The AOS Resource Center also offers several no-cost military topic webinars every month.

project healing waters

Project Healing Waters Fly Fishing, Inc. is dedicated to the physical and emotional rehabilitation of disabled active military service personnel and veterans through fly fishing and fly tying education and outings. It is much more than a one day fishing trip. For many participants, particularly disabled veterans, the socialization and camaraderie of the classes are just as important as the fishing outings, and provide them with a new activity. The best kind of healing has been found in a comfortable environment with projects that all can participate in. PHWFF relies on the generosity of both private and corporate donors. Help give our veterans an activity to be excited about. For more information or to get involved, please contact Norm Scott at nscott41@ gmail.com or 301-885-9736.

“Because too many of the missing are right in front of us.”

The Guardians Foundation provides aid to veterans and their families who need help with food, shelter, clothing, counseling, education & jobs. The Guardian’s purpose is to honor those men and women of the United States Armed Forces and their families who have sacrificed so much for our freedom. For more information online: www.theguardiansfoundation.org or please contact: Michael Shaw at 208-449-1210.

The Snake

by Bill Collier, USMCR

T

They put up a small sign: “Beware of the Snake!”

After a few days, they realized that the snake would have to feed, so they went to the nearby Montaignyard village and bought two ducks to feed to the snake. The marines lifted the wire, threw the ducks in, expecting to see the snake immediately pounce upon one of the ducks and devour it. Apparently the snake was not hungry just yet, so nothing happened right away.

he recon Marines patrolling the jungle out of Khe Sahn, Viet Nam, in the summer of 1966, encountered a large snake of the boa constrictor variety. They decided it would make a great pet, so they brought it back to base for a mascot. They cleaned out a fox hole, covered it with wire mesh to keep the snake in, and placed sandbags around the hole on the wire to keep the snake contained.

The Kalispel Tribe welcomes

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APPOINTMENTS: 509-447-7111 w w w. k A lI S PE lTr I b E .cOM/c A M A S - c E NTE r- c lI N I c • 1 8 2 1 N lEc lE rc r d, STE # 1 • c u S I c k , wA 9 9 119

Getting to the Camas Center: It’s only a 30 minute drive North from Newport to the Wellness Center, but you can also take the Rural Resources’ wheelchair accessible vehicles for only $1 (one dollar) recommended donation round trip! From Newport, 6 departures & return trips run every Monday through Thursday except holidays. Call 800-776-9026 for more information.

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Later that night, after all had turned in, there arose a great ruckus from the snake pit. There was lots of quacking, hissing and thrashing about. Everybody assumed that the snake had eaten one or both of the ducks. The next morning, when they went out to see the well-fed snake, it was dead. The ducks had pecked out its eyes and killed it.

Later that day there was a new sign: “Beware of the Ducks!”

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A new active rehabilitation retreat with the comforts of home and the peace of mind of skilled nurses and therapists Whispering Pines at Ivy Court provides high acuity services with the comfort of home and a few extras. Choosing your services and amenities from daily newspapers to late breakfasts, to enjoying the unexpected standards of large screen televisions to concierge services. Making sure your stay will be one to remember.

What we offer: • Only local center to receive the AHCA Quality Award • Personalized treatment plan designated by you and your therapist • Private and semi-private suites • 40’’ flat screen televisions • Service menu options • Customized service plans • Full service concierge • Wireless internet access • Espresso services and business services available For questions please give us a call • In-room refrigerators or stop in...

• Daily CDA Press or USA Today delivery 2200 Ironwood Place • On-unit bistro Coeur d’Alene, Idaho 83814 VA CONTRACTED FACILITY FOR BOTH LONG-TERM 208-667-6486 AND SHORT-TERM CARE NEEDS www.ivycourtskillednursing.com Wise Guide | Fall / Winter 2013

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Housing Habits by Generation

by Cindy Perry, Windermere/ Coeur d’Alene Realty

A

recent study by the National Association of REALTORS® has implications for you, especially if you’re thinking about selling your house, condo or townhouse.

NAR looked at generational differences among home buyers and home sellers in its July 2013 Home Buyer and Seller Generational Trends.

At first glance, the data seem geared to real estate professionals.

But you, too, can glean some insight, which could be especially valuable as you prepare to put your house on the market.

For example, if you’ve been in your house for decades, odds are that your buyer will be younger than you are. And such buyers have certain habits and expectations that

you can learn about in the study.

The knowledge can also help you to better partner with your real estate practitioner and work with him or her to be certain that your home’s most desirable features are marketed in a way that reaches the widest pool of buyers.

Five key points:

1. Timeline. How long it takes to sell a house depends on a host of issues specific to your market.

But as you start planning your own move, the study gives you a feel for how much time it could require to sell your property.

One chart, “Number of Weeks Recently Sold Home Was on the Market,” shows that on the low end of the timeframe, houses spent less than one week on the market for 4% of all sellers. At the longer end, 9% of sellers reported that their house was on the market for 53 weeks or more.

Use the figures as a guide and prepare your moving timeline accordingly.

2. Online marketing strategy.

When you’re interviewing

practitioners, ask them how and where they’ll be marketing your property, keeping in mind how buyers conduct home searches these days.

For instance, 90% of all buyers looked to the Internet for information during their home search. And among those aged 32 and younger and those aged 33 to 47, that figure was 96%.

3. Green features. As you prepare your house for sale and make upgrades, keep in mind that 39% of all buyers said heating and cooling costs were very important to them and 24% looked at energy efficient appliances and lighting.

So upgrades that reduce buyers’ monthly bills could help your house to stand out. If you’ve already made environmentally friendly changes, be certain your marketing materials reflect those features and show the cost savings those strategies yield.

4. Beyond the yard. Among the features buyers value include access to parks and recreation, convenience to healthcare facilities, green and

Are your Real Estate needs changing?

ARE you: • Considering a second home or investment property?

• Looking to downsize?

• Be closer to medical facilities?

• Move to a warmer location?

• Be closer to family?

• Move to a 55+ community?

• Do you wonder what your property is worth, and how today’s market is affecting that value? cindy@cindyperryhomes.com www.cindyperryhomes.com

Cindy is an honest, hardworking Seniors Real Estate Specialist who has your best interest at heart having demonstrated the necessary knowledge and expertise to counsel clients age 50+ with all their real estate needs.

Call Windermere Realtor Cindy Perry • 208-691-2540

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policies, assistance with closing costs and credit toward remodeling or repairs.

After all, buyers in the Gen Y generation (those born between 1980 and 2000) and the Gen X generation (those born between 1965 and 1979) likely share some similar characteristics, such as a desire to save on energy bills and easy access to transportation and entertainment. In addition, you can count on all of them to look to the Internet for information during their property searches.

See the NAR study at www.realtor.org/sites/default/ files/2013-nar-home-buyer-seller- generationaltrends-2013-07-08.pdf. _________________________________________________

environmentally-friendly community features, and access to public transportation and the airport.

Since 43% those aged 32 and younger cited commuting costs as very important to them, any nearby train stations, subway stops, and bus routes would be terrific benefits to promote.

5. Incentives. If you’re willing to offer incentives to push buyers off the fence, consider some of the more popular enticements, including home warranty

Cindy Perry is a real estate agent specializing in senior needs and can ease transitions by talking about your reasons for selling and then exploring all the options of either modifying & staying in your current home, or finding a different property ensuring you find the very best housing solution to fit your personal needs.

Cindy Perry Windermere/Coeur d’Alene Realty (208) 691-2540 Cindy@cindyperryhomes.com www.cindyperryhomes.com

Wise Guide | Fall / Winter 2013

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Healing the Roots of Brokenness

by Linda Spagon, Lifeline Resources

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Providing practical tools to overcome abuse, family crisis, and life-destroying patterns.

208-265-6796 • www.lifelineresources.org

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very day, Alan* lived with the pain of emotional, verbal, and physical abuse he witnessed and suffered as a child. His self-worth was destroyed, and he relied entirely on others to give meaning to his life . . . so when his girlfriend told him she wanted to end their relationship, Alan couldn’t see any reason to go on living.

He placed a .45 against his head, and began to pull the trigger. Just at that moment, his girlfriend arrived and interrupted him. The bullet narrowly missed his scalp. The crisis was averted — for a time.

But unless Alan could learn to value his own life, he’d probably try again.

Alan wasn’t facing a momentary problem. He was struggling with deeply-rooted issues of betrayal and insecurity, issues he couldn’t identify or understand by himself. And for people like Alan, Lifeline Resources is here to help.

For 19 years, Lifeline Resources (formerly Life Skills NW) has been hard at work bringing hope to hurting people. Our motto is “Healing the Roots of Brokenness”—helping our class participants understand the destructive patterns in their lives, like domestic violence, depression, addiction, and bad relationship choices, and break them for good.

We offer separate, 60 hour 10 week classes for men, women, and a 30 hour after school class for teens. During their class time, participants learn essential life skills like setting boundaries, managing anger and stress, better communication, respecting self and others, and forgiveness.

Lifeline Resources receives no government funding. The cost of the classes is less than $10 an hour, which pays for student materials, compensates our trained instructors, and keeps the lights on in the office. But because they are coming from situations of crisis, over 90% of our class participants couldn’t afford to attend without the merit-based scholarships provided by generous members of the community.

Wise Guide | www.TheWiseGuideOnline.com

Executive Director Linda Spagon has over 25 years’ experience in consulting and 8 years in international business management. She has extensive experience as an instructor in the Life Skills programs with over 8,000 hours of group instruction. Linda has a passion for teaching & motivating positive learning. Linda and her husband Jim Spagon founded Life Line Resources (Life Skills NW) and remain committed to providing the life restoring classes.

Our focus is resident quality of life. We’re proud to be a locally operated and 100 percent employee owned assisted living community.

Our family is ready to help your family.

Come for a tour!

MEDICAID ACCEPTED

624 S. Division • Sandpoint 208-265-2354 www.sandpointassistedliving.com

by Rob McKenney

*Alan’s name has been changed for his privacy.

Compassionate daily care for those no longer able to be fully independent.

Side Effects

Recently, funding has been especially tight.

We remain committed to help everyone who asks, regardless of their ability to pay, and our staff and instructors, like many in the current economy, have taken pay cuts to ensure that more people can be helped. We are always grateful for new supporters!

Does the Lifeline Resources program work? Many of our class participants turn to us because they have seen how our classes changed the life of a family member or friend. And Alan would be one of the first to tell you that the changes are not only profound, but permanent.

Alan had hit rock-bottom when he saw an ad for Lifeline Resources. From the very first class, he began to see himself and his past in a whole new way. Looking back now, he says, “I can’t believe my insensitivity. I tried to commit suicide with my 1-year-old son in the next room. Through the Lifeline Resources program, I gained understanding of my own issues, and what responsibilities were mine and not mine. I gained some ideas of what healthy relationships look like. I especially gained a sense of self-worth and my own value.

“Through Lifeline I have become a better father and a better friend. This is such a good program!”

Today, ten years later, Alan is a loving dad and an involved, vital member of his church. He has broken the patterns passed down to him by his family, and is passing healthy emotional patterns to his children.

His life has been completely transformed, from despair to hope.

If you or someone you know are struggling with depression, domestic violence, or destructive life patterns, we invite you to call (208) 265-6796 for more information and a class schedule.

“There is no monster on top of the bed . .. n ow go to sleep!”

Wise Guide | Fall / Winter 2013

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Are You An Animal Owner?

Do You Have a Plan?

by Dr. Bruce Vogel, Pend Oreille Veterinary Service

O

wning an animal of any kind requires more than day to day care, it is like having a child. It comes with many years of responsibility. Planning from birth to geriatric care and even emergencies is an integral part of the humans responsibility in any animal relationship.

Animals can’t take care of themselves if they are sick, injured, or suddenly homeless through no fault of their own.

Consider all of the possibilities that could happen and have a plan in place ahead of time. The primary issues we as veterinarians deal with are wellness care to sickness and injury. Prepare ahead for the possibility of a health emergency by creating a savings account specifically for that purpose. Putting in even five dollars a week can make or break your ability to provide for your pet in their time of need.

There are pet health insurance plans specifically for animals that

Pend Oreille Veterinary Service “Service is in our name, 24/7, 365 days a year, we’re here when you need us”.

Pend Oreille Veterinary SerVice, where yOur PetS are Our family!

From preventative care to grooming, dentistry to ultrasound, orthopedic care to boarding, internal diagnostics to emergency surgeries; we have the skills and training to care for your pet’s every need.

Serving Bonner & Boundary counties since 1964 Dr. Ashton Dr. Vogel Dr. Smart

www.sandpointvets.com

895 Kootenai Cutoff Road Ponderay 208-263-2145

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Dr. Lewis Dr. Davis Dr. Wetzel

6664 Main Street Bonners Ferry 208-267-2444

Wise Guide | www.TheWiseGuideOnline.com

provide coverage and assistance for many unexpected and expensive situations, including cancer.

Veterinary clinics aren’t always able to offer payment plans but some do offer wellness programs that help with healthcare. There is also something called Care Credit that can provide help with loans that can mean the difference of life or death for your pet. For more information, visit www.carecredit.com

Another area that we as veterinarians deal with is requests for euthanasia of otherwise healthy pets because the owners didn’t have a plan in place for someone to take over their pets when they are unable.

Shelters are often full and are unable to take in animals. Perhaps your health, job, or living circumstances have changed. What will happen for your pet? Spare yourself the heartbreak of unnecessarily saying goodbye to your healthy animal. Plan ahead of time by contacting friends, relatives, or even pet rescue groups who would be willing to provide temporary or permanent care for your animal. Another option is to create a savings fund to cover long term boarding until you are able to be reunited with your pet. Have you included care for your pet in your will?

While all of us enjoy the happy healthy times with our animals, life can throw unexpected things in our path. A little bit of forethought can bring peace of mind to all. Plan ahead, be prepared, and have a long happy relationship with your animals!

Dr. Bruce Vogel graduated from Ross University School of Veterinary Medicine in 1991 and joined Pend Oreille Veterinary Service in 1995. Bruce enjoys working with both cats and dogs with special interests in orthopedic care, procedures and surgeries, acupuncture and treating exotic animals. When not at the clinic he enjoys spending time outdoors. Skiing, hiking and canoeing are just a few of the activities that Bruce enjoys in his spare time.

Wise Guide | Fall / Winter 2013

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Play Works! play as a time when they feel most alive. Play teaches transformation of negative emotions and experiences.

It supercharges learning, relieves stress, and connects us to others

by Susan Falck, MSW, LCSW, PC and our world. An expert in the Playworks mental health field said, “Play is as Counseling Center important to human happiness as is love and work” (Schaefer 1993).

Making sense of the world is an enormous task for children. This n this era of entertainment by task becomes complicated when a child has experienced physical, television and high-tech video games children are less likely to emotional, or sexual abuse, lost a parent or loved one through death, use creative and imaginative play. divorce, or separation. In addition, This developmentally deprives life stressors such as hospitalization, many children since imaginative relocation/moving, major illness in and fantasy play allows them to the family, or foster care placement/ explore their world and express adoption can disrupt a child’s their innermost thoughts and emotional, cognitive, and physical feelings, hopes and fears, likes and development as well as his/her dislikes. Through play, decisions bonding and attachment. can be made without penalty or fear of failure. Play affords children Children experience emotional the ability to gain control over their pain as do adults. When significant life events happen, changes in thoughts, feelings, and actions. behavior, mood, sleep, appetite, It assists them in building selfand academic or social functioning confidence. may occur. In some cases, it is not

Play matters for both kids and as clear what has caused someone adults. Play is a necessity. It is a source of relaxation and stimulation to suddenly seem withdrawn, for our minds and our bodies. It worried, irritable, sulky, or tearful.

Sometimes people will have is a sure way to develop creativity, problem solving skills, and positive physical complaints such as mental health. Some folks describe headaches, stomachaches, or not

I

feeling well despite a normal exam by their physician.

Play Therapy is to children what talk therapy is to adults. However, there is more to Play Therapy than just playing with children.

Play Therapy is a specialized area of practice requiring extensive training and experience. The Association for Play Therapy defines Play Therapy as “the systematic use of a theoretical model to establish an interpersonal process wherein trained therapists use the therapeutic powers of play to help clients prevent or resolve psychosocial difficulties and achieve optimal growth and development.”

Play Therapy is appropriate for children ages 2-12 years; however, adolescents and adults can also benefit from Play Therapy. It helps children as well as adults express their emotions, thoughts, and experiences. “Toys are the child’s words and play is their language” (Landreth 2002). Paramount to any type of counseling/therapy is the development of a positive relationship. Along with the relationship, Play Therapy provides a corrective emotional experience necessary for healing and growth.

It also supports resolution of

PlayWorks Counseling Center Susan Falck, MSW, LCSW, PC

Specializing in Play and Art Therapy

Behavioral Health Solutions for Children, Adolescents, Individuals and Families • Trauma / Abuse • Behavioral Issues • Anxiety & Depression

• Communications Skills: conflict management, life choices, transitions

• Adjustment Issues: adoption, divorce, co-parenting, relationships

Accepts Medicaid, EAPs and Insurances • Website: SusanFalck.com 6843 Main Street Suite D • Bonners Ferry • 208-267-1801 • Fax: 208-267-9020

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“What do most Nobel Laureates, innovative entrepreneurs, artists and performers, well-adjusted children, happy couples and families, and the most successfully adapted mammals have in common? They play enthusiastically throughout their lives.”

—Stuart Brown, Institute of Play

inner conflict; learning adaptive behaviors; provides insight and cognitive development. The aim is to decrease those behavioral and emotional difficulties that interfere significantly with normal functioning.

If you have concerns for your child, children, or family members over experiences or changes in behaviors, discuss your concerns with your doctor to rule out any medical conditions. Your doctor can help you find a qualified therapist to assist your child and your family.

Susan Falck was in Graduate School when she discovered Play Therapy and was inspired by this powerful way to assist children and adults.

She has extensive training in child development, Play Therapy, trauma, grief and bereavement.

Susan is a certified Clinical Trauma Professional and certified Clinical Social Work Supervisor.

Susan has practiced clinical social work and Play Therapy for thirteen years. Please visit her website to learn more: www.SusanFalck.com When childhas hasanan Whenyour your child orthopaedic concern,it itis is orthopaedic concern, important they areby an important they are seen seen anunderstands expert who expertbywho understands growing bones growing bones and joints. and joints.

Shriners Hospitals for Children - Spokane Pediatric Orthopaedic Experts To request an appointment: 509-623-0431 or 888-895-5951

Shriners Hospitals for Children — Spokane

Wise Guide | Fall / Winter 2013

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Directory Listings

Who Do You Call?

Agencies, Free Referral Services & Volunteer Opportunities

Alzheimer’s Association Inland NW Chapter, N. Idaho Office .....................................208-666-2996 www.alz.org/inlandnorthwest P.J.Christo, RN; email: pj.christo@alz.org 24-Hour Help line ................................800-272-3900 We connect familiesbytoNancy needed programs, products Gerth, and services, provide Dementia Information, President, Bonner County Local Support Groups, State and Federal Advocacy, Board of Community Guardian educational programs, workshops and lectures for caregivers, families and the general public.

Area Agency on Aging of North Idaho .208-667-3179 2120 Lakewood Dr. Ste. B., Coeur d’Alene he Bonner County Elder/Vulnerable Adult Abuse Toll Free ...............................................800-786-5536 Do you have questions about andof Multi-Disciplinary Team senior (MDT),services is a group resources available in your community?

Are you eligible community partners who meet quarterly to respond for extra help paying for prescription drugs or help to elder/vulnerable abuse issues. They mobilize paying the monthly Medicare Part B premium? For free resources inand the to community to address information discuss your options.individual Call us! needs for support, respite, protection from exploitation of assets, to develop awareness of elder/vulnerable Bonner County Board of Community Guardian ........................208-255-3098 abuse and provide education.

Members include guardianboard@co.bonner.id.us the prosecutor’s office, law enforcement, EMS/fire, We are aelder last resort for anyone dementia banks, advocates, mental(often health,with home health, or debilitation) without family or friends to care for hospitals, board of guardians, government agencies, them. If you know of anyone like this, or would care to adultas protective services through Area Agency serve a guardian or conservator, please callon us.Aging

T

5448

and others. It is a fine example of local cooperation Community Cancer essential Services to ..............208-255-2301 to provide a resource our families. There 1215 Michigan Street, Sandpoint are many individuals and organizations who do this communitycancerservices.org without our thanks, even our awareness.

We are here to help or with education, information andMDT even thorough directprovides supportsupport, servicesrespite, to cancer patients and theirfor families.

Services include gas vouchers, cleaning situations that have escalated beyond financial assistance, grief counseling, wigs, control, and most importantly is a network ofhats, eyes and post-mastectomy products, Ensure,asks lending library, ears in the community.

If the Sheriff for a check transportation, loaned medical equipment and more. on a client, MDT can do a “drive by� over a couple of days to assure safety measures are in place orServices to verify Goodwill Industries - Workforce & Family a204 protective action plan has been implemented. The Larkspur St., Ponderay .................208-265-1984 MDT provides the network that can this 1221 W. Ironwood Drive, Suite 101,make Coeur d’happen Alene www.discovergoodwill.org ..................208-667-6463 when a few individuals can not.

Industries of the Inland Northwestofprovides Goodwill All of us have experienced the frustration dealing skills training, testing, job placement and retention with disorganized information, especially when we services, youth mentoring, and case management. need in a shop crisis.at Who you call when an elderly Whenityou ourcan 11 GoodwillÂŽ stores or online neighbor shows signs of dehydration, malnutrition, at www.shopgoodwill.com, $.89 of every dollar poor personal hygiene or worse? can a family directly supports our services inWhat the community.

Idaho Commission for the Blind and Visually Real life is messy. Emergencies always Impaired ..............................................208-769-1411 2005involve Ironwood Pkwy, Suite 222, Coeur d’Alene emotional, legal, financial, mgrandstaff@icbvi.idaho.gov medical, health, and ICBVI is a state mental agency that providesfamily free independent living training offers adaptive issues. aids, such as lawand enforcement magnifiers and talking devices, to help individuals who are struggling with vision loss to be more independent their homes and the community. member do inin a situation where a parent needs help, but other family members are at odds over financial or Panhandle Health District Senior Companion health decisions? Are there medical, financial or family 0ROGRAM s WWW PHD IDAHO GOV resources for people who need them, and Benewahavailable County .................................208-245-4556 can they County be provided quickly enough in emergency Bonner ....................................208-263-5159 Boundary Often County ................................208-267-5558 situations? these questions require resources Kootenai County .................................208-415-5160 available from more than one direction. How can assists those who are homebound, IOur findfree all Iprogram need to know when I’m a mess from the isolated and lonely. Volunteers are trained to offer stress?

Thanks to the MDT, if I contact onecare. of the companionship, transportation, and any respite members, all the members can be mobilized.

Volunteers are 55 years or older and are passionate about Forserving. example: A siblingvolunteers contacts the Board Qualified earn an of hourly stipend and all about volunteers receivewho mileage Community Guardian her brother is living reimbursement. in a certified family home. He is Medicaid eligible because of mental disability, and lives in an assisted University of Idaho Extension living situation. The mother, however, has been Boundary County ................................208-267-3235 stealing money Street, from his checking account to pay her 6447 Kootenai Bonners Ferry own bills. Now the mother wants to take the mentally www.extension.uidaho.edu/boundary disabled son out of the certified home, eventothough UI Extension brings research information the local community to meet identified needs.

We provide she is unable to care for her own needs. The sibling Medicare education, health and wellness programs, wants to know how she can become a guardian and food safety/preservation; 4-H Youth Development keep her brother where he is. She does not want to and home horticulture, agricultural, nursery and antagonize her mother and is afraid to confront her forestry related programs. with an attempt to take away control. Moreover, she does not have the funds to pay a lawyer for a guardianship case. She has contacted legal aid, who

Wise Guide Wise Guide | | www.TheWiseGuideOnline.com www.TheWiseGuideOnline.com

has a program to help with these expenses, but the waiting list is eight months.

Networking with MDT, the Board of Guardian quickly contacts Health and Welfare for a status report on the son, where they find out that he is well cared for and would be better off if he was left where he is. Medicaid indicates that support is available indefinitely.

The prosecutor’s office is called in to determine whether or not the mother is abusing her son’s finances.

The Board of Guardian is able to take on an emergency guardianship and keep him there, preserving the peace between the sister and the mother.

When the situation calms down, the guardianship is turned over to the sister.

Real life is messy. Emergencies always involve emotional, legal,

financial, medical, mental health, family and law enforcement issues.

It’s lucky if even the weather will cooperate! So it’s fantastic when the experts get together to solve problems that no one person, family, agency, or volunteer can handle on their own. Next time you see people who work in this tough area, give them a big “Thank you!”

member of the Board of Community Guardian, Bonner County. Nancy is an advocate for our elders and the Greenhouse Project, a radically new approach to long term care designed to provide a full and interactive life (http://changingaging.org/”)

CREST HOME HEALTH & HOSPICE Nancy Gerth holds a Ph.D in philosopy (1977) from Cornell University University, and since moving to Sandpoint in 1991, she has worked as a grant writer for the school district and area non-profits and written occasional columns on computers and on health care for local publications. She is currently President and an active

MDT videos of interest: Scams, Fraud & Theft: http://youtu.be/BaH3Jr5BRzQ Elder Exploitation: http://youtu.be/yCX5tVZrxvk Adult Protection in North Idaho: http://youtu.be/r0LM5gyR90E Available in DVD for presentations. Call 208-667-3179 x230

S i m p ly, t h e B e s t C a r e

What if I Need...

• Home Health Care • Hospice • Answers to My Health Care Questions Crest Home Health & Hospice has provided care in North Idaho since 1994. We are a 501 (c)(3) nonprofit agency managed by Rocky Mountain Care

208-765-4343

Wise Guide | Fall / Winter 2013

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Run It By Tamara

by Tamara Jacobson, Compassionate Care Referral Services, Inc.

Following are recent inquiries that were brought to my attention:

Q

A daughter caring for her elderly mother is planning a trip to her husband’s family reunion and asks, “I hear the term Respite Care, what does it really mean and is it short or long term help?”

A

For such a short phrase, it holds a lot of meaning. Let’s start with Wikipedia’s definition of Respite Care in the situation of elderly or disabled care: “Respite Care is the provision of short term temporary relief to those who are caring from family members who might otherwise require permanent placement in a facility outside the home.”

There are different respite options to help accommodate your individual needs:

• Companion Services — these range from free volunteer organizations, non-medical in home care agencies (hourly fee), to neighbors or friends you trust.

• Adult Day Care — although not appropriate for your trip, an hourly or daily fee for watching your loved one while you do errands or just need a day off.

• Assisted Living Facilities — several in the area offer a daily rate that includes room, board and care. The cost can range from approximately $100-$175 a day depending on the facility and your mother’s care needs.

•Emergency — it is a good plan to have a person or facility already in place in case there was an emergency where you would not be able to take care of your mother.

Sometimes this term is also used when ‘trying out’ an assisted living facility to see how your loved one adjusts and in a many cases, blossoms with socialization.

Q

From several folks I have helped, “Why don’t some Assisted Living facilities take Medicaid?”

Your Only Locally Owned Referral Service

A personal approach to evaluating senior care choices to fit your needs and budget.

NO FEES. NO PRESSURE.

Tamara Jacobson Senior Care Consultant

(208) 660-9982

www.CompassionateCareReferral.com

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A

Although Medicaid is a form of payment for assisted living managed by the state, facilities are not required by law to accept it.

Medicaid reimbursements are based on an individual’s assessment and calculated through a computer program, thus the reimbursement to a facility may be very low. The funds may be insufficient for smaller facilities to pay staff and other business costs if they accepted Medicaid as their sole source of income.

That being said, several places do take Medicaid but limit how many residents they can accommodate and still afford to operate their facility.

Others require 2-3 years of private pay before a resident’s assets allow them to become eligible and ‘roll over’ into Medicaid. They will not have to move, although some facilities may have them share a room.

Still other assisted living facilities, do not accept Medicaid residents at all and if the resident runs out of private funds, they will have to move out.* This is why I take time with folks and explore several options. As a whole, it is better to make that move into a facility while you still have some private funds available. Your choices are more diverse and we have a better chance of finding a great fit for your needs. *Skilled nursing facilities accept Medicaid as a form of payment.

If you would like to submit a question and ‘Run It

By Tamara’ regarding senior day-to-day care issues, please email to: RunItByTamara@outlook.com or call 208-660-9982.

There is something so encouraging and comforting just sharing our concerns with one another.

I look forward to hearing from you!

Good...

Better...

Friendly, Fun, & Feels Like Home!

3 Months FREE RENT for Veterans & Surviving Spouses who sign a 1 year lease!

ALL amenities & services included for ONE LOW RATE.

Tamara Jacobson, a Senior Care Consultant and founder of Compassionate Care Referral Services, Inc., www.CompassionateCareReferral.com. Tamara formed the company as a way to connect area seniors and services in a personal but professional manner.

Straight forward comparisons are discussed to fit the individuality of her client. She also holds the Treasurer position with CareNet Kootenai.

606 E. Best Ave. • Coeur d’ Alene, Idaho Wise Guide | Fall / Winter 2013

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by Rob McKenney

It’s time to take steps to a better life…

Side Effects

DRUG, ALCOHOL & DUI EVALUATIONS COURT ACCEPTED TREATMENT GROUP OUTPATIENT SERVICES • Full Outpatient Psychiatric and Mental Health Services • Outpatient Treatment & Medication for Opioid Addiction • Comprehensive Employer Assistance Services also available • Medicaid, Most Insurances, BPA, Private Pay w/Sliding Scale Fees

Rathdrum Counseling Center, LLC 208-687-0538

The Abdominal Snowman

14954 Coeur d’Alene St. Rathdrum, ID

www.rathdrumcounseling.com

You’re an excellent boarder ... most of the time.

We’re here for you when you’re not ... all of the time.

Also serving you at

BONNER GENERAL IMMEDIATE CARE 400 Schweitzer Plaza Dr. Ponderay, ID • 208-263-0649 Mon-Fri 9 a.m. to 7 p.m. • Sat & Sun 11 a.m. to 7 p.m.

www.BonnerGeneral.org 208-263-1441 520 North 3rd Ave. Sandpoint, Idaho

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Crossword The Sporting Life Across

1 Gun sound 5 Emollient 9 Grimm villain 13 Baseball’s Hammerin’ Hank 14 Celebes dwarf buffalo 15 Basketball target 16 Olympics event 18 Clinic name 19 Fowl places 20 Broke bread 22 Calif. airport 23 Gold (Prefix) 24 Gelcap alternative 27 Thickness 28 Rodeo rope 30 Change the decor 32 Secret plan 35 Rare bills 37 Catalina, e.g.

40 Factory 41 Building addition 42 Valued 43 Slave girl of opera 44 Before iron, in football 45 Early stage 46 Japanese soup 48 Sofia Coppola, to Talia Shire 50 Word with bum or bunny

52 Texas athlete 54 Monopolist’s portion 57 Samovar 58 Menu phrase

59 62 64 67

Spain and Portugal French novelist Pierre Hockey player’s forte Shoelace problem

“We care about you...and your health�

Fast, Friendly and knowledgeable service

We can and do...

* Price match most medications * Provide mail or in-town delivery service * Compound medications * Online & Smart Phone refills

www.medmanpharmacy.com

Michelle Duhon, Pharmacist

624 larch street • sandpoint (Inside Super 1 Foods)

208-597-7466

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The Best Medicine for Your HealthTM

68 Limerick language 69 They can be stolen by

Angels and Tigers 70 Longings 71 Fall mo.

72 Pub offerings

Down

1 Swampy lake 2 Knight’s protection 3 Before profit and fat 4 Pesky insect 5 Louisville Slugger 6 Black cuckoo 7 Around town 8 Golf tournament 9 Resistance unit 10 Football uprights 11 Kansas City athlete 12 Glue 13 Taj Mahal city 17 Retired fliers 21 Fr. summer 25 Showy flower 26 Indoor game 28 Hawaiian veranda 29 Supermodel Carol 31 “Cheers� role 32 Busy bee in Apr. 33 Rope-a-dope boxer 34 Court game 36 Blast from the past 38 General in gray 39 Time zone 42 Mythical bird 44 Some soccer players 47 Sp. lady 49 The Phantom

of the Opera 50 Trotter’s burden 51 Danish capital 53 Mother-of-pearl 54 Spring up 55 They’re chalk in

ome stadiums 56 Falls behind 60 Rum-soaked cake 61 List abbr.

63 “___ a homer!�

65 Medium claim 66 Tennis unit

hts

How to Play Sudoku

Sudoku

To solve the Sudoku puzzle, each row, column and box must contain the numbers 1 to 9.

Crossword and Sodoku answers on page 69.

ASSISTED LIVING COMMUNITY

Taking Senior Living to New Heights • Private Rooms • 24-hour Dementia Care • Medication Management • Adult Day Care

208-661-6862

www.bristolheightscda.com

• Resident Transportation • On-site Beauty Salon • Locally Owned & Operated

2220 W. Prairie Avenue Coeur d’Alene, ID

Pharmacists are Chemists The most important relationship you can have concerning your health care is the one with your pharmacist. Pharmacists are chemists and they know how and why drugs interact. It is the pharmacist you should speak with regarding any and all medications, either prescription or over the counter, acquired online or through another physician, and any supplements or vitamins you may be taking. You may feel side effects, or you may not; they are not always obvious.

Even a beer or glass of wine can cause serious problems with certain medications.

Find a pharmacist you feel comfortable with and either make a detailed list of EVERYTHING you are taking and the dosage, or bring them in. A consultation with a pharmacist is entirely confidential and well worth your time.

Wise Guide | Fall / Winter 2013

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Directory Listings

Agencies, Free Referral Services & Volunteer Opportunities AARP Idaho 3080 E. Gentry Way, Ste. 100, Meridian.... 208-855-4004 www.facebook.com/AARPIdaho AARP Idaho is a nonprofit, nonpartisan organization, with a membership of more than 175,000 in Idaho that serves as a voice and an advocate to protect consumers and improve the lives of Idahoans age 50 and over.

Alzheimer’s Association Inland NW Chapter N. Idaho Office.......................................208-666-2996 www.alz.org/inlandnorthwest P.J.Christo, RN; email: pj.christo@alz.org 24-Hour Help line..................................800-272-3900 We connect families to needed programs, products and services, provide Dementia Information, Local Support Groups, State and Federal Advocacy, educational programs, workshops and lectures for caregivers, families and the general public.

Area Agency on Aging of North Idaho.....208-667-3179 2120 Lakewood Dr., Ste. B, Coeur d’Alene Toll Free.................................................800-786-5536 Do you have questions about senior services and resources available in your community? Are you eligible for extra help paying for prescription drugs or help paying the monthly Medicare Part B premium? For free information and to discuss your options. Call us!

Bonner County Board of Community Guardian...........................208-255-3098 guardianboard@co.bonner.id.us We are a last resort for anyone (often with dementia or debilitation) without family or friends to care for them. If you know of anyone like this, or would care to serve as a guardian or conservator, please call us.

Community Cancer Services................208-255-2301 1215 Michigan St., Sandpoint www.communitycancerservices.org We are here to help with education, information and direct support services to cancer patients and their families. Services include gas vouchers, financial assistance, grief counseling, wigs, hats, post-mastectomy products, Ensure, lending library, transportation, loaned medical equipment and more.

Compassionate Care Referral Service.......................208-660-9982 www.compassionatecarereferral.com I help by referring you to the best fit for your Assisted Living, Senior, and Disabled Care Services needed.

Through mutual discussion and needs assessment, I will create for you a customized short list of possible solutions.

Goodwill Industries - Workforce & Family Services 204 Larkspur St., Ponderay 208-265-1984 1221 W. Ironwood Dr., Ste. 101, Coeur d’Alene 208-667-6463 www.discovergoodwill.org Goodwill Industries of the Inland Northwest provides skills training, testing, job placement and retention services, youth mentoring, and case management.

When you shop at our 11 Goodwill® stores or online at www. shopgoodwill.com, $.89 of every dollar directly supports our services in the community.

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Idaho Commission for the Blind & Visually Impaired..................................208-769-1411 229 E. Locust Ave., Coeur d’Alene mgrandstaff@icbvi.idaho.gov ICBVI is a state agency that provides free independent living training and offers adaptive aids, such as magnifiers and talking devices, to help individuals who are struggling with vision loss to be more independent in their homes and the community.

Panhandle Health District Senior Companion Program Benewah County...................................208-245-4556 Bonner County......................................208-263-5159 Boundary County..................................208-267-5558 Kootenai County...................................208-415-5177 Shoshone County..................................208-786-7474 www.phd1.idaho.gov/otherlinks/locations.cfm Our free program assists those who are homebound, isolated and lonely. Volunteers are trained to offer companionship, transportation, and respite care.

Volunteers are 55 years or older and are passionate about serving. Qualified volunteers earn an hourly stipend and all volunteers receive mileage reimbursement.

Care Communities; Independent & Assisted Living Bestland Senior Living Community.....208-665-1600 606 E. Best Ave., Coeur d’Alene www.bestlandcda.com Bestland Senior Living offers 3 home-cooked meals per day, weekly housekeeping with linens, transportation, all utilities, wi-fi, and cable TV at one low rate. We are a smaller community offering residents a warm and loving atmosphere where they truly feel at home!

Boundary Community Restorium........208-267-2453 6619 Kaniksu St., Bonners Ferry boundaryccr@verizon.net Our facility accommodates 52 residents with homecooked meals and snacks. We help with shopping, medications, and bathing. We offer an array of activities, especially in summertime when residents enjoy our vegetable garden, beautiful flowers and entertainment in our gazebo.

Bristol Heights Assisted Living.............208-661-6862 2220 W. Prairie Ave., Coeur d’Alene www.bristolheightscda.com Locally owned and operated offering private rooms, an intimate, home-style atmosphere and a strong commitment to the residents we serve, the family values we incorporate, and the ability to respond fully to the needs of our residents and their families.

Assisted Living & Memory Care Peace of Mind

for you and your family At Pacifica Senior Living Coeur d’Alene we provide Assisted Living and Memory Care services to residents and their families on a beautiful campus, just minutes from Kootenai Medical Center. Formerly Four Seasons, Pacifica Coeur d’Alene is a home away from home for your loved one.

TOUR TODAY (208) 665-2100

Managed by Encore Senior Living

850 EAST DALTON AVE. COEUR D’ALENE, ID

www.pacificacoeurdalene.com

DC Assistance at its best!

DC L

A sense of family in a compassionate & caring environment.

By The ake

An Assisted iving Home Affordable customized care for individual needs including Alzheimers & Dementia.

24-hour RN available.

Call today for a private tour!

208-762-3828

1027 E. Honeysuckle Ave., Hayden Wise Guide | Fall / Winter 2013

57

Directory Listings

We Care

and acute illness restorative nursing and therapy, 24/7 admissions.

Respite stay is also available. Semiprivate and private rooms. Schedule your tour, today!

Luther Park at Sandpoint 208-265-3557 Providing Assisted Living Assisted Living and Memory Care 510 Olive Ave., Sandpoint and Adult Daycare www.luther-park.org Please stop by for a tour of our facility!

Do what you want to do and leave the rest to us! We offer every level of Karlene or Jeri • 208-267-2453 care from unassisted independent living to full memory care. It’s all available at Luther Park. We are the best deal in town!

By The Lake Assisted Living..................208-762-3828 1027 E. Honeysuckle, Coeur d’Alene Pacifica Senior Living www.bythelakeonline.com 850 E. Dalton Ave., Coeur d’Alene.........208-665-2100 Assistance at its best! Affordable customized care www.pacificacoeurdalene.com for the individual needs including Alzheimer’s & Pacifica Coeur d’Alene provides affordable assisted living Dementia with 24-hour RN available. We give a sense and memory care on a beautiful campus just minutes of family in a compassionate and caring environment. from Kootenai Medical Center. Our community provides 24/7 expert care for your loved ones, while ensuring the Garden Plaza of Post Falls.....................208-773-3701 dignity and respect they deserve.

545 N. Garden Plaza Ct., Post Falls www.gardenplazapostfalls.com Rose Terrace Country Homes...............208-623-6154 Garden Plaza of Post Falls is Idaho’s place for 5672 W. Rhode Island, Spirit Lake retirement living, with three levels of care on one Rose Terrace Cottages...........................208-665-0580 beautiful campus. With upscale amenities, gourmet 632 N. 21st St., Coeur d’Alene dining and a dynamic social schedule, this is a www.roseterrace.org wonderful place to call home.

Our quaint, home-style facilities offer a compassionate, caring environment with well trained Life Care Center of Sandpoint...............208-290-8726 staff 24/7. Nurses available 7 days a week, wonderful 1125 N. Division St., Sandpoint meals and fun activities. Private and semi-private www.LCCA.com rooms. Medicaid accepted.

Life Care Center of Sandpoint specializes in long term care, special needs and dementia care, post-operative

Assisted Living & Memory Care Community Our all-inclusive programs offer an individualized approach to care, providing the right balance of independence and healthcare services for individuals facing different phases of memory loss.

• • • •

Join us for lunch, tour our community, meet our staff and see for yourself why Luther Park at Sandpoint was voted Best Senior Community in Bonner County 2009, 2010, 2011 & 2012.

Private, spacious studio & 1 bedroom apartments Secure courtyard, gardens and walking path Emergency Response System 3 home-cooked meals per day

• • •

Laundry service and housekeeping Medication management / administration Individualized care plan by licensed nurse

• • •

Transportation to / from medical appointments Around-the-clock continuous personal care assistance Escorts and transfer assistance to meals and activities

Call 208-265-3557 (ask for Wendy Traffie, Administrator) 510 South Olive Avenue • www.luther-park.org

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Sandpoint Assisted Living.....................208-265-2354 624 S. Division St., Sandpoint www.sandpointassistedliving.com Our community is unique because we are small and affordable, providing residents close and easy access to staff 24 hours a day. Rents are the lowest in the area and we also accept Medicaid.

The Bridge Assisted Living....................208-263-1524 1123 N. Division St., Sandpoint www.CenturyPA.com Adjusting to the transition of a new home is made easier with the intimate and compassionate environment at The Bridge. Assisted care is developed on an individualized basis. It’s the right place for home!

Trinity Group Homes, Inc......................208-667-9607 Coeur d’Alene www.trinitygrouphomes.net Since 1979, Trinity Group Homes Inc. has provided housing and supportive services in North Idaho, for men and women with severe and persistent mental illnesses with currently 32 rooms. Since 1980, we have been certified as a 501(c)(3)organization.

Valley Vista Care Skilled Centers: 820 Elm St., St. Maries...........................208-245-4576 220 S. Division, Sandpoint....................208-265-4514 Assisted Living: 820 Elm St., St. Maries...........................208-245-5908 www.valleyvista.org Enjoy a comfortable, homelike setting in either our assisted living or skilled care centers. We offer physical, speech, occupational and aquatic therapy for in-patient and out-patient rehab. Specializing in an innovative activity program and two unique behavior care units.  Whispering Pines at Ivy Court..............208-667-6486 2200 Ironwood Pl., Coeur d’Alene www.extendicareus.com/ivycourt/ A leading provider of long-term skilled nursing care and short-term rehabilitation solutions.

Our 80 bed facility offers a full continuum of services and care focused around each individual in today’s ever-changing healthcare environment.

Life Line Resources...............................208-265-6796 2023 Sandpoint West Plaza, Sandpoint www.lifelineresources.org Our classes help participants stop making the same life-destroying decisions over and over again, freeing them from the cycle of abusive relationships, substance abuse, and other patterns that keep them trapped in poverty and in trouble with the law.

PlayWorks Counseling ..........................208-267-1801 6843 Main St., Ste. D, Bonners Ferry www.susanfalck.com Providing a safe therapeutic environment where trust and alliance become the hallmarks of developing a relationship conducive for growth, understanding, and mastery of new skills. Utilizing a positive clientcentered approach and regard for people and the environment in which they live.

Rathdrum Counseling Center, LLC.......208-687-0538 14954 Coeur d’Alene St., Rathdrum www.rathdrumcounseling.com Rathdrum Counseling Center is a full outpatient substance use disorder and mental health treatment clinic. We focus on client strengths, needs, abilities, and strive to encourage least restrictive interventions that are culturally sensitive, cost effective and within your own community.

Residential programs for people with severe and persistent mental illness.

Learning to live a full and independent life.

Donations are highly appreciated – send check to address below or use credit card or PayPal on website:

P.O. Box 1861 • Coeur d’Alene, ID 83816 208-667-9607 • www.trinitygrouphomes.net

Counseling Alcohol & Drug Counseling and Recovery Services..................................................208-255-9333 102 S. 4th Ave., Ste.. B, Sandpoint When concerned about alcohol or drug problems, the prospect of change may appear challenging. We work together to explore options and find solutions that strengthen your quality and enjoyment of life. You are welcome to call for a complimentary consultation.

Wise Guide | Fall / Winter 2013

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Directory Listings

MENTAL HEALTH & ADDICTIONS TREATMENT, TRAUMA SPECIALIST, CHILDREN, ADOLESCENTS, ADULTS, COUPLES AND FAMILIES Idaho & Montana Medicaid, BPA Funding, Veteran’s Services, Private Insurance, Sliding Fee Scale and Private Pay

6658 Comanche Street • Bonners Ferry 208-267-0900 • rawlingscommunitycounseling.com Rawlings Community Counseling........208-267-0900 6658 Comanche St., Bonners Ferry www.rawlingscommunitycounseling.com Mental health counseling for children, adolescents, adults, couples and families. Offering addiction treatment, case management, and EMDR Therapy for trauma treatment. We accept most insurance, Medicaid and a sliding fee scale is available.  The Life Choices Pregnancy Center & In~Sight Clinic.......................................208-263-7621 502 N. 2nd Ave., Sandpoint We offer free & confidential services for women faced with unplanned pregnancies. Services include medical-grade pregnancy testing, verification, limited ultrasound imaging, and options education. We are advocates for women and their unborn children.

Dental Marshall A. Arbo, DDS...........................208-267-5187 5246 Westside Rd., Bonners Ferry Dr. Arbo, a General Dentist for over 40 years, provides complete denture service including full and partial dentures, denture repairs, adjustments and relines.

Full dentures are fabricated in-office. The office is open by scheduled appointment only. Please call for an appointment.

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Michael G. Durnin, DDS........................208-263-1412 1323 Hwy 2, Ste. 301, Sandpoint www.drdurnindentalsandpoint.com We are committed to creating a positive dental experience for you and your family. The comprehensive services we offer include implants, extractions, dentures, root canals, crowns, cleanings, and more. Your comfort and dental care are paramount at our office!

Mt. Baldy Dental....................................208-263-6806 1305 Hwy 2, Bldg.A, Ste. A, Sandpoint www.mtbaldydental.com Welcome to the caring environment of Mt. Baldy Dental. Two doctors and two hygienists with 50+ years combined experience in dentures, extractions, implants and all disciplines of dentistry. Your dental health is our top priority. Financing available and discounts for seniors.

Education, Entertainment & Museums Blue Sky Broadcasting, Inc....................509-879-6236 610 W. Hubbard, Ste. 207, Coeur d’Alene Covering North Idaho, Eastern Washington, Western Montana & Canada! Tune into your favorite Blue Sky Broadcast station for music, sports, weather and current events. For more information or to advertise call Spokane’s tallest marketing professional, Troy Murphy.

Bird Aviation Museum and Invention Center 325 Bird Ranch Rd., Sagle.....................208-255-4321 www.birdaviationmuseum.com The Bird Aviation Museum and Invention Center strives to educate visitors about the historic contributions of aviators and innovators who have helped create modern technology and to celebrate these individuals who have forever changed the way we live. It only takes one person to change the world.  Greater Sandpoint Chamber of Commerce Health & Safety Fair...............................208-263-2161 1202 5th Ave., Sandpoint www.sandpointchamber.com Meet the health care professional community in an out of the office setting to get a sense of what is available in the region. Learn about the services they provide our citizens and take advantage of their knowledge, as well as various onsite affordable testing.

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North Idaho College 102 S. Euclid, Sandpoint.......................208-263-4594!

791 Main Street, Bonners Ferry............208-267-3878 Toll Free................................. 877-404-4536 Ext. 1705 www.nic.edu North Idaho College is committed to bringing educational opportunities to the communities we serve.

Our outreach locations offer admissions and advising assistance, financial aid and career counseling, credit and non-credit classes, testing and tutoring services, and a welcoming and supportive staff.

The Pearl Theater..................................208-610-2846 7160 Ash St., Bonners Ferry Experience the fabulous Pearl Theater located in Bonners Ferry. The Pearl Theater is a non-profit organization that offers exceptional Musical & Theatrical productions featuring local, regional and nationally acclaimed artists! Check out our calendar of events at www.thepearltheater.org!

Financial, Asset Management & Maintenance James Hutchens, P.A. 1211 Michigan St., Ste. B, Sandpoint....208-265-2500 6769 Main St., Bonners Ferry................208-267-1665 www.hutchenscpa.com We have provided accounting services including business and individual tax preparation, financial statements, bookkeeping and payroll services for Sandpoint and the surrounding communities for over 13 years and have been in the accounting business for over 30 years.

Williams & Parsons ...............................208-265-5959 802 Superior St., Sandpoint www.sandpointcpa.com Our focus at Williams & Parsons, CPAs, is to provide tax and accounting services to small businesses and individuals with personalized attention and prompt professional results. We are dedicated to providing clients with high-quality, timely service customized to meet their needs.

Seniors Real Estate Specialist who has your best interest at heart having demonstrated the necessary knowledge and expertise to counsel clients age 50+ with all their real estate needs.

Gifts & Shopping Bizarre Bazaar.......................................208-263-3400 502 Church St., Sandpoint www.calsandpoint.org Bizarre Bazaar is owned and run by Community Action League volunteers. Gently used household items, books, furniture and select quality clothing.

Items not retained are donated elsewhere to churches, missions, school and charity fundraisers, and specialneed situations. All profits stay in Bonner County. doTERRA Essential Oils ........................208-818-1235 Contact Erin Smith Erin34smith@gmail.com doTERRA (CPTG) Certified Pure Therapeutic Grade® essential oils represent the safest, purest, and most beneficial essential oils available today. Experienced essential oil users will immediately recognize doTERRA superior quality standard for naturally safe, purely effective therapeutic-grade essential oils.

Free Zyto Compass Scan • Aroma Touch Certified

Call Erin: 208.818.1235

Be part of the movement to

Build jobs and change lives

Windermere Coeur d’Alene Realty Cindy Perry SRES. 208-691-2540 1000 Northwest Blvd., Coeur d’Alene www.cindyperryhomes.com Cindy is an honest, hardworking

Individualized planning• Coaching • Placement • Self-sufficiency

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Directory Listings

Rob McKenney Custom Cartoons

www.robertoons.com

208-597-6358

Goodwill Industries Retail Stores 204 Larkspur St., Ponderay...................208-265-1980 1212 N. 4th St., Coeur d’Alene...............208-664-2552 317 Seltice Way, Ste. A, Post Falls..........208-773-6181 www.shopgoodwill.com Goodwill Industries operates modern stores in Coeur d’Alene, Ponderay and Post Falls. The stores are filled with unique bargains that change daily. Sales support Goodwill’s programs that help people obtain jobs and assist adults and children with special needs.

Grünberg Schloss Collectors’ Cabinet....208-263-7871 210 C Triangle Dr., Ponderay We buy, sell and trade coins, gold, silver, tokens and paper money. With 40 years experience, there isn’t much we haven’t seen. We offer prospecting supplies, food grade storage supplies, and preparedness supplies.

Huckleberry Variety............................ 208-267-3286 7214 Main St., Bonners Ferry www.huckleberryvariety.com Our goal is to provide a service to the community by not being just another gift store but rather a store that carries a wide variety of products with lower prices to serve our friends, neighbors, local residents and visitors.

“Something for Everyone!”

“Biggest Little Variety Store” Greeting Cards ~ Gift Wrap ~ Housewares Gourmet Food ~ Cosmetics & Lotions ~ Toys Balloons ~ Party Supplies ~ Candies Fashion Jewelry ~ and so much more!

Sun. 10-3 Mon.-Fri. 9 to 5:30 Sat. 9 to 5 7214 Main Street Bonners Ferry (208) 267-3286 www.huckleberryvariety.com &

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NorthWest Recumbent Cycles...............208-818-5491 Gary@NWrecumbentcycles.com Come on out to Post Falls and play on many models of the most stable and comfortable bikes and trikes in the world. We specialize in getting anyone, especially those with special needs riding. Call for appointments.

Rob McKenney, Custom Cartoonist......208-597-6358 www.robertoons.com Cartoons can be custom designed for almost any occasion or purpose, only limited by your imagination. Call to discuss your needs. Pricing is very reasonable, after all, it’s all in fun!

The Cottage Thrift Store....................... 208-263-7022 Panhandle Special Needs, Inc. 1424 N. Boyer, Sandpoint www.panhandlespecialneeds.com We offer life skill training and vocational support to people with disabilities. Our non-profit agency serves 92 people in Bonner and Boundary Counties. The Cottage Thrift helps support the programs at PSNI. Stop by and check out our rediscovered treasures.

The Vapor Depot....................................877-867-0965 300 Bonner Mall, Ste. 70, Ponderay www.TheVaporDepot.com Exclusively serving Bonner, Boundary and Flathead Counties with their premium electronic cigarettes for less! The highest quality products in the world backed by the best most knowledgeable customer service in the Northwest. We make quitting smoking easy!

Timeless Beauty Photography .............208-772-4245 Call For Appointment www.digitaltimelessbeauty.com I bring many years of experience, an eye for beauty, lots of technical expertise, and a passion for photography into play with each and every photo shoot. We do all kinds of photography including weddings, portraits, families, calendars, scenics, even pets.

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The Cottage Thrift Store Proceeds provide training for employment and independence

1424 N. Boyer, Sandpoint ID

208-263-7022

Hearing & Vision Audiology Research Associates.............208-255-4389 123 S. 3rd Ave., Ste. 9, Sandpoint Serving Sandpoint for over 20 years. We help you hear better! Hearing evaluations for adults and children. We sell the most advanced digital hearing aids available and each hearing aid comes with 3 to 5 years free batteries.

 Eye Care For You................................... 208-263-9000 710 W. Superior St., Ste. A, Sandpoint www.sandpointeyes.com Monday - Friday, 8-5. Dr. Julie Gagnon and associates provide professional eye care in a friendly environment. We diagnose and co-manage eye diseases such as cataracts, glaucoma and macular degeneration. We also offer quality frames and lenses at all price levels.

Eye Clinic of Sandpoint.........................208-263-8501 307 S. 1st. Sandpoint www.eyeclinicofsandpoint.com We are proud to offer quality eye care with two board certified ophthalmologists. We offer adult and pediatric eye examinations, cataract and eye surgeries, and treat eye diseases. Locally owned since 1978. A full optical department is on site.

Lakeside Eye Care..................................208-676-1422 312 N. 4th St., Coeur d’Alene www.cdaeyes.com We offer unique quality eyewear, friendly service and complete optometric services. Dr. Julie Gagnon can diagnose eye diseases such as eye infections, glaucoma, and macular degeneration. We also comanage for LASIK and cataracts.

Hospice & Pre-Planning Auburn Crest Hospice...........................208-773-7731 Toll Free.................................................877-773-7133 1596 E. Seltice Way, Post Falls www.auburncrest.com At Auburn Crest Hospice, we listen to our patients, their loved ones, and committed caregivers to develop a care plan that puts the wishes of the patient first, which enables patients to live out their lives with comfort, dignity, and control.

SANDPOINT OPTICAL

Adult & Pediatric Eye Exams • Cataract Surgery Full Service Optical Charles C. George, MD • Bruce D. Bellin, MD Board Certified Ophthalmologists

208-263-8501 307 S. 1st Ave., Sandpoint

New Patients Welcome! www.eyeclinicofsandpoint.com

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Directory Listings

Bonner Community Hospice................208-265-1179 a service of Bonner General Hospital 520 N. 3rd. Ave., Sandpoint www.BonnerGeneral.org Caring for terminally ill patients and their families in Bonner and Boundary counties. Services include pain management, specialized nursing care, bathing and personal care, chaplaincy, supportive counseling, medical supplies and equipment. Covered by Medicare, Medicaid and most private insurance.

Bell Tower Funeral Home & Crematory...208-457-8880 3398 E. Jenalan Ave., Post Falls www.belltowerfuneralhome.com We strive to make our families and visitors feel comfortable while paying respects to their lost loved ones, and we make considerable efforts to maintain our focus on the high standards expected of a place of tribute.

Crest Home Health and Hospice...........208-765-4343 700 Ironwood Dr., 2nd Floor Interlake Bldg., Coeur d’Alene www.rmcare.com/managed/crest/index.php As members of our communities, our mission is to provide accurate information on services available, deliver compassionate health care and to improve the quality of life to all those entrusted in our care.

Lakeview Funeral Home and Cremation Service...................................................208-263-3180 301 S. Olive Ave., Sandpoint www.lakeviewfuneral.com Providing burial, cremation, headstone, funeral preplanning and pre-funding services in an honest, dignified and fair manner at affordable prices. We achieve professional, personal and meaningful relationships with the families that we serve within Sandpoint and surrounding communities.

Hospitals & Medical Care Bonner General Hospital......................208-263-1441 520 N. 3rd Ave., Sandpoint Bonner General Immediate Care..........208-265-3751 400 Schweitzer Plaza Rd., Ponderay www.bonnergeneral.org Your community hospital providing quality, compassionate care in a comfortable, healing environment. We provide a full range of healthcare services, including home health, hospice, physical, occupational and speech therapy, radiology, laboratory, surgery, and emergency services.

Camas Center Clinic..............................509-447-7111 1821 W. LeClerc Rd. #1, Cusick, WA www.kalispeltribe.com/camas-center-clinic The Camas Center Clinic offers comprehensive healthcare including: medical, dental, chiropractic, physical therapy and massage therapy. The clinic is open to the general public and accepts most major commercial and public insurance carriers.

Kaniksu Health Services 6615 Comanche St., Bonners Ferry......208-267-1718 30410 Hwy. 200, Ponderay....................208-263-7101 6509 Hwy. 2, Ste. 101, Priest River.........208-448-2321 www.KaniksuHealthServices.org Providing comprehensive health care and services for all patients, regardless of income. Accepting Medicaid, Medicare, private insurance, and uninsured people who need medical care. We also have a veteran’s clinic at our Ponderay location! Call 208-263-0450 for an appointment.

...providing its communities with affordable and accessible healthcare.

KHS - Bonners Ferry Clinic

KHS - Sandpoint Clinic

6615 Comanche Street Bonners Ferry Medical/Behavioral: 208-267-1718 Dental: 208-267-3201

30410 Hwy. 200 Ponderay Medical/Behavioral: 208-263-7101 Dental: 208-255-3459 Veterans Clinic: 208-263-0450

KHS - Priest River Clinic 6509 Hwy. 2 Suite 101 Priest River Medical/Behavioral: 208-448-2321

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Sliding fee for non-insured & we take Medicaid, Medicare and all insurances.

Wise Guide | www.TheWiseGuideOnline.com

• Primary Health Care for Children and Adults • Preventative Health Care & Education • Women’s Health • STD Screening • Sports Physicals Veterans Clinic • Vaccinations in Sandpoint • X-rays • Mindfulness-Based Stress-Reduction Classes • Prescription Assistance • Community-Based Outreach Clinic for Veterans • Saturday Clinic-Concussion Testing & Walk-in Appts Available • Medicaid Pediatric Dental & Adult Dental Emergencies

Lakeside Holistic Health, PLLC 518 N. 4th St., Coeur d’Alene.................208-758-0568 21651 E. Country Vista Dr. Ste. F Liberty Lake, WA.................................... 509 385-0218 www.LakesideHolistic.com Our doctors encourage the body’s natural healing abilities by restoring balance, treating the root cause of disease, and empowering the patient. Our mission is to provide compassionate care, reliable information, and educational resources to assist in the journey to health and wellness.

Life Flight Network................................800-982-9299 22285 Yellow Gate, Aurora, OR www.lifeflight.org Life Flight Network is a nationally recognized, air medical service. Our Sandpoint base serves Northern Idaho and a $60 annual membership means your family will have no out-of-pocket costs for medically necessary flights.

Newport Hospital & Health Services....509-447-2441 714 W. Pine St., Newport, WA www.phd1.org We provide 24-hour care when you need it! Two primary care clinics offer same day/walk-in appointments.

Other services: Emergency; General Surgery; Obstetrics; Anesthesia; Diagnostic Imaging; Laboratory; Physical, Speech, & Occupational Therapy; Acute Care; Swing Bed; Long Term Care; Assisted Living.

Pend Oreille Surgery Center.................208-265-8194 30544 Hwy. 200, Ste. 201, Ponderay www.poscllc.com Pend Oreille Surgery Center provides quality, cost effective outpatient surgical care. Our professional team and comfortable environment help make your surgical experience a positive one. Ask your healthcare provider if your procedure may be scheduled at Pend Oreille Surgery Center.

Protect Your Family & Your Finances

MEMBERSHIP PEACE OF MIND

www.lifeflight.org

Shriners Hospitals for Children – Spokane 911 W. 5th Ave., Spokane, WA 509-455-7844 Shriners Hospitals for Children Spokane provides expert pediatric orthopedic specialty care to children from Washington, Idaho, Montana, Alaska and Canada. Children ages 0-18 receive all care and services in a family centered environment regardless of the families’ ability to pay.

Woodlands Family Medicine.................208-263-6300 30544 Hwy 200, Ste. 101, Ponderay www.woodlandsfamilymed.com From heads, hands, shoulders, knees, to toes and prenatal to geriatrics, our medical team is dedicated to providing you with the finest health care for your entire family. Urgent care and same day appointments offered. Accepting new patients!

In-Home Services Addus Home Health..............................208-667-2309 914 W. Ironwood Dr., Ste. 201, Coeur d’Alene www.addus.com Since 1979 we have been providing quality in-home care; companionship, light housekeeping, meal preparation; transportation to appointments, bathing assistance, medication reminders. Our cost-effective services are designed to improve health and well-being and make your choice easier to remain independent at home.

Alliance Family Services - Home Health 515 Pine St., Sandpoint.........................208-265-5049 6334 Main St., Bonners Ferry................208-267-0780 1221 Albeni Hwy. Ste. 2, Priest River....208-448-1216 www.alliancefamilyservices.com We are committed to providing quality home health services such as Skilled Nursing, CNA’s, Physical, Occupational & Speech Therapists. We are dedicated to promoting independence and quality of life to all those we serve throughout North Idaho.

Lakeside Holistic Health, PLLC

We Provide Acupuncture, Naturopathic Medicine, Chiropractic Care, and Nutrition Serving You in Coeur d’Alene & Liberty Lake!

Pamela Langenderfer

Jerry L. Bailey II

ND, LAc, MSOM, FABORM Naturopathic Physician Licensed Acupuncturist

DC, CAc, FIAMA Chiropractic Physician Certified Acupuncturist

Coeur d’Alene Office 208-758-0568

Liberty Lake Office 509-385-0218

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Directory Listings

Bonner General Hospital - Home Health Services 208-265-1007 520 N. 3rd Ave., Sandpoint www.BonnerGeneral.org Providing skilled, intermittent care in the home setting. Services include skilled nursing care; physical, occupational and speech-language therapies; medical social services and certified home health aid services. Covered by Medicare, Medicaid and most private insurance.

Comfort Keepers of North Idaho 820 E. Best Ave., Coeur d’Alene Coeur d’Alene & Silver Valley................208-765-9511 302 S. 1st Ave., Sandpoint......................208-265-9522 www.comfortkeepers.com/office125 Comfort Keepers provides in-home care for seniors and the disabled in all five northern counties of Idaho.

Our unique brand of care giving engages individuals physically and socially, while helping them maintain independent living in the comfort of their own homes.

Crest Home Health and Hospice...........208-765-4343 700 Ironwood Dr., 2nd Floor Interlake Bldg., Coeur d’Alene www.rmcare.com/managed/crest/index.php As members of our communities, our mission is to provide accurate information on services available, deliver compassionate health care and to improve the quality of life to all those entrusted in our care.

Happy Feet.............................................208-610-2972 Sandpoint Idaho_rbti@yahoo.com I serve both Bonner and Boundary Counties. In the comfort of your home or your local senior center, I will clip your nails, and massage your feet for a price that can’t be beat!

Providing Professional and Compassionate Home Care, Senior Care, and Elder Care in North Idaho for Over 13 Years.

Coeur d’Alene: 208-765-9522 Sandpoint: 208-265-9522

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Happy Feet

I can come to you!

Minimum Fee $10

Nail Clipping & Massage Call LaVerne 208-610-2972 Idaho Partners In Care, LLC.....................800-576-1825, Ext. 1 or 2 820 Elm Dr., St Maries.........................208-245-5920 Providing services that reduce the difficult and stressful aspects of living at home. With a list of caregivers or if you have a relative or friend you would prefer, it is possible they could become a member of IPIC and provide you with your services.

I Kneaded That......................................509-671-3949 www.ikneadedthat.abmp.com In the comfort of your home, I offer deeply relaxing, nurturing, and energetic healing through massage.

I tailor massage uniquely to fit each client. I am licensed in both Washington and Idaho. Call to find out how I can help you.

J’s Drains, Hayden.................................208-704-3763 If you want a trusted, friendly, and respectful service man, call Jason. I am a 3rd Generation Idahoan, licensed and insured. No job is too big and I’m available any time!

Providing...

Sandpoint 208-255-1640 Outreach Director 208-512-0814

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Skilled Nursing & CNA’s Physical, Occupational & Speech Therapies Serving North Idaho

Panhandle Health District Home Health Services.......................208-415-5160 8500 N. Atlas Rd., Hayden www.phd1.idaho.gov We believe firmly in educating the community about their choices in selecting a home health agency.

Reaching remote homebound patients in Idaho’s 5 northern counties, providing physical, occupational and speech therapy, CNAs, dietitian services, and RN case management throughout patient’s care.

Res Care Home Care .............................888-390-6730 1015 W. Ironwood Dr., Ste. 101, Coeur d’Alene........................................208-665-5579 120 E. Lake St., Ste. 305, Sandpoint.......208-255-1002 www.ResCareHomeCare.com www.restassuredsystem.com ResCare is all about providing you with skilled caregivers, when and where you need them! At home, in a long-term care facility, or assisted living. We also offer Rest Assured®, a web-based telecare system for in-home, non-intrusive care and security monitoring.

Veterans Home Care.................................. 877-390-6377 11861 Westline Industrial Drive, Ste. 750 St. Louis, MO www.veteranshomecare.com We help qualifying wartime veterans or widows apply for the VA’s Aid & Attendance benefit. We promptly provide home care - with no up-front cost, help navigate the VA approval process and help clients meet VA criteria, to keep their pension - and home care.

Insurance  Spears Insurance, Inc............................208-265-2026 102 S. Euclid Ave., Ste. 103, Sandpoint www.cspears4insurance.com There are many types of benefit plans. Which one is right for you? Let’s first understand the basics of Medicare in plain simple language, and then discuss other factors to finding the right coverage for you. Call me today to schedule your appointment.

Do you know someone who could remain in their home if they had help with household chores or personal care?

Offering SelfDirected Care: Clients can choose their personal care attendant from family members, friends or one of our attendants.

We serve all of North Idaho!

208-245-5920 or

800-576-1825 Ext. 1 or 2

We accept some insurances, VA, Private Pay & Medicaid

Benewah

County O

nly - Ask

about Lif

eline Ser

vices

Legal Marshall Law Office...............................208-255-7260 120 E. Lake St., Ste. 213, Sandpoint Providing professional, yet personal, mediation services to assist in resolving conflicts and disputes. I am able to help you through each step of mediation, preparation and filing of legal documentation if needed.

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Directory Listings

Wytchchak Elder Law ...........................208-765-3595 314 E. Garden Ave., Coeur d’Alene www.wytychakelderlaw.com Our practice provides legal services related to the issues facing seniors and their families. Common areas of practice include estate planning, public benefits, guardianship, conservatorship and probate.

We strive to provide quality legal services in a timely manner at a reasonable cost.

Pharmacies, Medical Equipment, Safety & Supplies Medicine Man Pharmacy 624 Larch St., Sandpoint.......................208-597-7466 (Inside Super 1 Foods) www.medmanpharmacy.com Transfer your prescriptions to us. It’s easy! We have pharmaceutical grade neutraceuticals and compounding services. Price matching on most medications and mail or in-town delivery. We care about you and your health. Veterans: we can fill your prescription vouchers!

Medicine Man Prairie in Hayden 8093 Cornerstone Dr.............................208-762-9355 Medicine Man West in Post Falls 802 E. Medical Ct...................................208-773-3566 www.medmanpharmacy.com At Medicine Man Pharmacies we care about you and your health. We know how difficult it is to organize your prescriptions. Ask us how to sign up, and see why Medicine Man MedPax is the clear choice for managing your medications.

First Aid & Fire Extinguisher Sales, Service & Training Fire Suppression Systems & Alarms Medical, Industrial & Specialty Gases 3530 Ramsey Road 75 McGhee Road Coeur d’Alene Sandpoint

208-263-1016

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Northwest Health Systems, Inc.............509-744-9891 2818 N. Sullivan Rd., Bldg. 2E, Spokane, WA www.NWHSRX.com We are a long term care pharmacy specializing in medication management systems, electronic medical records and medical supplies. Please call us to see how we can help with the safety and efficiency of passing medications in your facility.

OXARC, Inc. 75 McGhee Rd., Sandpoint....................208-263-1016 3530 Ramsey Rd., Coeur d’Alene..........208-765-3311 www.oxarc.com Fire, safety, and industrial services & supplies.

First aid & fire extinguisher sales, service & training; fire suppression systems & alarms; medical, industrial & specialty gases, dry ice blocks-slabs-pellets, specialty chemicals.

Sandcreek Medical................................208-263-3713 306 1/2 N. 1st Avenue (behind Panida Theater) www.sandcreekmedical.com We are your local hometown medical equipment and respiratory company. Customer care and honest service are the mainstay of our business. Owned and operated

by Gary and Tammi Rench, our family has been local business owners since 1967.

Sandpoint Super Drug..........................208-263-1408 604 N. 5th Ave., Sandpoint www.superdrugsandpoint.com We strive to provide the highest quality home health care equipment, supplies and services, while being competitive on product and pricing. We offer goods and services unique to our community, with the comfort and independence of our customers in mind. Medicare approved!

White Cross Pharmacy..........................208-263-9080 1319 Hwy 2, Ste. A, Sandpoint 5453 Hwy 2, Priest River........................208-448-1633 www.whitecrossrx.com Ask us about the special packaging options available to help you manage your medications and supplements. Free in-town delivery, drive-up window, vaccinations, two convenient locations on Highway 2 in West Sandpoint and Priest River. Proudly serving Bonner County since 1922.

208-765-3311

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Physical Therapy Allen Goodall PT. & Associates..............208-457-8746 1224 Idaho St., Post Falls We provide outpatient physical therapy and an aquatic therapy pool that is always set at 92 degrees as well as therapy and classes for exercise for the public.

Veterinary, Pets & Training

Pavo and friend, Sam. Yes, Sam is a real live dog, not a toy!

Bonners Ferry Veterinary Clinic...........208-267-7502 Emergency Phone.................................208-444-1024 6657 Main St., Bonners Ferry Let us help you care for your favorite four-legged friends! Our clinic provides complete veterinary services for healthy pets and for sick or injured animals, including horses and livestock. We provide an on-call emergency service in addition to our regular hours.

Dog and Pony Show...............................509-991-7314 Erica Curless, Certified Equine Massage Therapist Visit “Erica Curless” on Facebook!

Mobile bodywork serving horses and dogs at your home or barn in North Idaho and Eastern Washington.

Enhance your investment and help your horse or dog move better and perform better. Specializing in performance horses and dogs, geriatrics, injury recovery and prevention.

Gentle Hands Horse Training 208-627-3562 Call for appointment or visit us on Facebook We work with families to help improve the quality of their relationship with their horses. Providing training, lessons, and boarding when needed.

Come play, learn, and have fun with your horse and our family.

Pend Oreille Veterinary Service 895 Kootenai Cutoff, Ponderay 208-263-2145 6664 Main St., Bonners Ferry 208-267-2444 www.sandpointvets.com We realize your pet is a special part of your family, and our primary goal is to provide your pet with the most advanced care possible from a staff that truly cares, loves and honors your pet’s unique needs.

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A Realistic Approach to Weight Loss

Ideally, establishing a good diet through healthy eating practices will help maintain your weight, but not necessarily your overall health. Without the addition of some form of exercise, your body will not process the healthier foods you are choosing. Exercising at least three hours a week can decrease your body fatto-muscle ratio tremendously! It helps with ease of movement, builds strong muscles, improves your posture, makes your joints more stable, decreases chronic pain and leads to better sleep patterns and emotional well-being.

You don’t need to be a body-builder, baby steps can work as well. Just exercising with small dumbbells and resistance bands can make a world of difference.

It lowers the hormonal levels and makes the body produce natural insulin. By increasing muscle mass you increase your body’s ability to absorb that insulin, a much better option than developing diabetes!

Keeping track of your progress in a journal, checklist or using a weight tracker online can help build selfesteem and give you the confidence to keep going.

Programs such as Jenny Craig, www.myfitnesspal.com, and www.fitday.com provide a place online where at the end of each week is a “weigh in� and it will automatically calculate your progress. The activities you choose to do as exercise do not have to be a competition or race on the stair climber. Little steps provide a safe and gradual weight loss of one to two pounds per week, not an overnight miracle, but you will begin to notice the changes in your body. By eating healthy and exercising regularly you are on your way to successfully developing and maintaining a healthy and fulfilling lifestyle.

by Andria Wolf, Editorial Assistant

A

s humans, we are often crisisdriven and don’t pay close attention to our health until something happens to jolt us into action. Often that wakeup call comes with a diagnosis of diabetes, heart disease, colon or other cancers or stroke.

Those issues may have begun with warning signs that we simply ignored or didn’t recognize would lead to a major malfunction. When something does happen, it forces us to face the reality that we have not been taking care of our bodies through proper nutrition and exercise.

Post-holiday dieting is a typical example. Most people tend to try to lose weight when they reach some alarm threshold, then they “go on a diet� with little success, due to the fact that it is not a way of life, but a short-term event undertaken only to lose “winter weight.� Others think about the pills sold in the weight loss section at their local grocery stores and figure it will solve all their weight loss issues quickly.

So, what about weight loss medications? They are made up of supplements designed to burn carbohydrates and keep your hunger down by affecting neurotransmitters in the brain controlling appetite and the way you feel, and they can also affect your emotional state (MayoClinic.com). Some weight loss pills block or take away the amount of fat absorbed from the food you eat, and long-term use of diet pills can cause serious health risks and damage your body permanently.

Crossword and Sudoku Answers Puzzles on pages 50 & 51

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Wise Guide | www.TheWiseGuideOnline.com

You’ve You’ve earned earned responsible responsible solutions, solutions, not not harmful harmful cuts. cuts.

Right now there’s an important debate going on about the Right now there’s an important debate going on about the future of Medicare and Social Security. While some politicians future of Medicare and Social Security. While some politicians in Washington are pushing harmful cuts, AARP is fighting for in Washington are pushing harmful cuts, AARP is fighting for responsible solutions that keep the promises we’ve made to responsible solutions that keep the promises we’ve made to current seniors and keep the programs strong for our kids and current seniors and keep the programs strong for our kids and grandkids. Politicians are talking, but it’s your voice that needs grandkids. Politicians are talking, but it’s your voice that needs to be heard to keep Medicare and Social Security strong. to be heard to keep Medicare and Social Security strong.

Join Join the the fight fight to to keep keep Medicare Medicare and and Social Social Security Security strong strong for for generations generations to to come come at at earnedasay.org. earnedasay.org.

Paid for by AARP Paid for by AARP

facebook.com/AARPIdaho facebook.com/AARPIdaho @AARPIdaho @AARPIdaho aarp.org/ID aarp.org/ID

Wise Guide | Fall / Winter 2013

71

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