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artifact. From there the African Queen passed through several owners until a Humphrey Bogart film fan, Jim Hendricks Sr., discovered it languishing in a cow field in Ocala, Florida. It has since been refurbished and is now docked next to a Holiday Inn in Key Largo, Florida.

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• There was also an eight-foot miniature replica of the African Queen which was used for footage of the dangerous rapids scenes. The model is now displayed inside a restaurant entrance at a Marriott Waterfront hotel in Annapolis, Maryland.

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• Because the waters where they were filming were thickly infested with parasitic leeches, the scenes showing Bogart and Hepburn up to their waists in murky water pulling the boat through brush and weeds were filmed in a studio tank. The first water tank they used burst on the set and damaged some of the camera equipment.

• In one scene, Bogart gets out of the swamp ADVERTISING PROOF water to find he is covered with leeches. Bogart Final Changes DUE: Tues., 6/25/19 5:00 p.m.. Customer wanted to use rubber leeches, director John Please review carefully. Double check:  Phone Number(s)but  Spelling  Prices  Hours 760-320-0997 • Broken email: valleybits@msn.com Service!Fax: 760-320-1630 Springs & Cables • Rollers  • Originally, the location filming was to be done Huston insisted on the real thing and had Contact your Tidbits representative immediately with changes or corrections.a • Wind Damage Repair • Bent Tracks in Kenya, but director John Huston decided to Office:leech-breeder SENIOR 760-320-0997 email: valleybits@msn.com 760-320-1630 brought to the LondonFax: studio with  OPENER REPAIRS & REMOTES Discounts! film in the Belgian Congo instead. His reason • Replacement Panels & Glass Windows a tank full of them. Bogart became queasy and ADVERTISING PROOF Property of was based solely on his love for big game Serving the entire Coachella Valley & Morongo Basin nervous just looking at them, which was exactly TUNE UP Final Changes DUE: AdVenture Media, Inc. 5:00 p.m.. hunting, which he was determined to do, and it SPECIAL SALES ADVERTISING PROOF Please review carefully. CLASSIC Double check:  Phone Number(s)  Spelling  Prices  Hours Gee-Ar-Gee Construction Co. what Huston wanted. He quickly shot the scene GARAGE FREEor corrections. SERVICE & was illegal in Kenya but not in the Congo. $ Contact your Tidbits representative immediately with changes DOORS OPENERS pg. BWDUE: 13x disc. using rubber leeches, and shot close-ups of real Final1/16 Changes 5:00 p.m.. Phone: Fax: 760.320.1630 INSTALLATION Office:per760-320-0997 email:760.320.0997 valleybits@msn.com Fax: 760-320-1630 CALL check: review carefully.  Phone Number(s)  Spelling  Prices  Hours Dec.door22,Double 2019 Vol. 15 No. 52 valleybits@msn.com Gene Bambusch • The story details the gruelling voyage of two leeches attached to the breeder’s arms and chest. TODAY! 760.578.9046 All Rights Reserved ontact your Tidbits representative immediately with changes or corrections. people on a small boat during WWII as they • Humphrey Bogart won the Academy Award ffice: 760-320-0997 email: valleybits@msn.com Fax: 760-320-1630 traverse the snake and insect infested jungle Increase for Best Actor forHome his performance in this GEE-AR-GEE Ultimate Repairs Your Home's waters of the Nile river. After religious spinster's VALUE & Your CONSTRUCTION CO., INC. film, making him the last man born in the Business Card, 4c, 26x Discount Rate 19th Lifestyle! "Large enough to serve • Small enough to care" (Katharine Hepburn) missionary brother is June 15:role Issue #27 It was century to 30, ever2019 win• aVolume leading award. Handling All Phases of Construction & Home Improvement ADVERTISING PROOF killed by German soldiers in Africa, dissolute RESIDENTIAL his one and only Oscar.  steamer captain (Humphrey Bogart) offersFinal her Changes DUE: MON., SEPT. 9 & COMMERCIAL 5:0 safe passage out. Determined toPlease avenge her PROFESSIONAL  Reliable  Expert A-1 TOP Quality! Specializing in review carefully. Double check:  Phone Number(s)  Spelling  KITCHEN & BATH REMODELS brother’s death, she persuades him to destroy a Handyman Services Offering Solid Wood European Cabinetry! Repa rt Contact representative immediately changes or co nd German gunboat they come upon, nearly costing youraTidbits Finished with Self-Closing Hardware, and home repair Hom18iringesyeaforDesers!overwith Granite or Quartz Countertops - All Selections! their lives in the process. The two spendOffice: most of760-320-0997 email:• Electrical valleybits@msn.com Fax: 76 Plumbing • Carpentry • Painting Insurance Jobs Serving all of the Coachella Valley since 1991 Property of AdVenture Inc. Fans Welcomed! New Construction  Remodeling  HVAC their time fighting with each other rather than Drywall • Vanities • Cabinets •Media, Ceiling Flooring • Laminate • Tile • Showers • Stucco FIRE Tile Block Walls  Concrete  Patios  Apartments with the pursuing Germans. Their time alone Concrete • Pet Doors • Appliance Installs • MORE! FREE DAMAGE Roofing  Room Additions  Drywall  Stucco 10% on the river and mutual dependence for survival Clubs  Commercial Tenant Improvements Phone: 760.320.0997 Fax: 760.320.1630 10% “Our repeat DISCOUNT RESTORATION Country valleybits@msn.com SE NIO R Mobile Home Specialists  Retirement Homes eventually leads to romance. customers make our for Seniors T Wilson Financial Services DISCOUN Property of

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1. ANATOMY: What is a more comvalleybits@msn.com mon name for the medical condition All Rights Reserved called desquamation? 2. TELEVISION: Who uttered the catchphrase “you rang?” in the sitcom “The Addams Family”? 3. GAMES: How many dominoes are in a standard set? 4. GEOGRAPHY: In which city is the Basilica de la Sagrada Familia located? 5. MOVIES: Actress Meryl Streep won her first Academy Award for which movie? 6. LITERATURE: What kind of creature was Bagheera in “The Jungle Book”? 7. FOOD & DRINK: What is the primary ingredient of bouillabaisse, a type of stew? 8. PSYCHOLOGY: What fear is represented in the condition called coulrophobia? 9. MUSIC: What is the name of blues guitarist B.B. King’s Gibson guitar? 10. U.S. STATES: In which state is Elvis Presley’s estate (Graceland) located? (Trivia Test answers page 8) Answers 1. Peeling skin 2. Lurch, the butler Published by: AdVenture Media

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6-30-20 ADVERTISING PROOF • Everyone working on the film, including1/8 pg FREE BW 26x disc. CALL d Johnson, icharp.m.. -R5:00 760. 347.9485 TODAY: Final Changes DUE: Estimates -ownerKatharine Hepburn, got seriously sick withSept.UltimateHomeRepair.net 15, Vol.Double 15check: -Bonded No. 38 Please2019 review carefully.  Phone Number(s)  Spelling  Prices  Hours & Insured, not a licensed GC Contact your Tidbits representative immediately with changes or corrections. dysentery, with the exception of director John Office: 760-320-0997 email: valleybits@msn.com Fax: 760-320-1630 Huston and Humphrey Bogart, who never drank the water and imbibed only in booze.

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• The boat used in the film was originally called the L.S. Livingston, after the famed AfricanADVERTISING PROOF explorer Stanley Livingston, who went Final missingChanges DUE: 5:00 p and was found years later (“Doctor Livingston, Please review carefully. Double check:  Phone Number(s)  Spelling  Price I presume?”). It was a working diesel boat built 36-MONTH TERM Contact your Tidbits representative immediately with changes or correct in 1912, which had spent some 40 years ferrying Office: email: valleybits@msn.com Fax: 760-320 passengers and cargo between Uganda and760-320-0997 the  $100,000 Minimum Investment Belgian Congo .  3-Year Commitment • John Huston happened upon the boat while on a hunting trip in Africa prior to starting work on the film, and thought it would be perfect for the movie. • The boat was too small to fit all the necessary lights, cameras, and sound equipment plus the crew, so parts of the boat were moved onto a raft out of sight. The boat's steam engine shown in the film was a prop, while the real diesel engine was hidden under cargo. The boat ended up sinking twice. Huston recalled, “We told the natives to watch the boat and they did watch it – they watched it sink!”

• When filming was over, the boat continued to work the Congo River and Lake Albert until monsoonal floods set it adrift and it was lost. In 1968, a restaurant owner from San Francisco happened to find the weathered boat foundered in muck amid thick foliage. He arranged to have it salvaged and shipped to the U.S. as an historic

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Sand (from page one) which deteriorates over time through incessant wave action and creates the black sand beaches. • The white sands found in warm coastal areas are eroded limestone made of tiny bits of coral and shell fragments. • The bright white dunes of White Sands National Monument in New Mexico are formed from gypsum. Gypsum is used in a variety of products from drywall to toothpaste. Gypsum sand is not commonly found because gypsum dissolves in water, much like sugar in tea. • Many sands have iron impurities within the quartz crystals, giving it a deep yellow color. TYPES OF SAND

• There are two types of sand. If it’s made out of quartz or other minerals, it’s called mineral sand. The composition of mineral sand varies considerably, depending on the local conditions. • If it’s made out of the shells and skeletons of marine animals, it’s called biogenic sand. One of the biggest components of biogenic sand is a single-celled organism called foraminifera, usually referred to as forams. There are over 4,000 species of forams. Their shells sink after they die, and some beaches are made up almost entirely of crushed foram shells.

meaning “egg stone” because that’s what they look like. They are composed of grains of sand made of calcium carbonate (limestone) that collect a coating of minerals as they soak in warm shallow water. • With time, pressure, and heat, deposits of sand become sandstone or limestone. Through tectonic forces, the stone is exposed to the surface elements where it is weathered down into sand again. Experts estimate that any particular grain of sand may have, over the millenia, been through several cycles of first being sand, then stone, then back again to sand, and so on. • Sand dunes exist in deserts because there’s no vegetation to provide the ground integrity needed to hold the sand in place. There’s little rain to keep the sand moist, and as the wind whips the loose sand particles around, dunes form as the grains of sand accumulate. Every dune has a windward side and a slipface.

and Wh

Page 3

• When two granular substances are mixed together in the same container, such as sugar and sand, the action of pouring the mixture out slowly will separate the two grains, resulting in a layered, striated pile. As the poured pile grows larger, the larger, heavier grains (sand) will roll down the slope of the pile more energetically, while the lighter grains (sugar) stay at the top of the pile. This is what gives sandstone its striped appearance. As different gradients of granules were swept by tides and currents, the grains were separated by weight into separate layers.

1. W s • Experts who study the microscopic make-up of m sand samples are able to apply this information in solving mysteries and crimes. s SAND AND FORENSICS

• In 1944 during WWII, several hydrogen balloons mysteriously appeared over the Pacific Ocean drifting toward the U.S. coastline. One of them landed in Oregon, where it exploded, killing

2. W t Sand: Turn to page 7 ADVERTISI Final Changes DUE: f Please review carefully. Double check:  Phs QUIZ B ITS ADVERTISIN Contact your Tidbits representative im

USES FOR SAND

• Sand is used in the manufacture of bricks, mortar, glass, silicon chips for computers, and concrete, among many other things.

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• Humans use more concrete than any other Final DUE: Office: 760-320-0997 email: valle 1. How many miles ofChanges sand building material. The recipe for concrete is 75% Please review carefully. Double check:  Phone beaches are there in the sand and gravel; 15% water; and 10% cement, Contact your Tidbits representative immed world? which is cooked from limestone and clay and, Office: 760-320-0997 email: valleybits • Forams are a type of protozoa. They are not through chemical reactions, acts as the glue that 2. How tall is Dune Seven, considered animals because they don't have holds it all together. Impurities such as salt will Nambia, Africa, the tallest sand bodies that are divided up into multiple cells. ruin the quality of the concrete, so ocean beach dune in the world? However, they are also not quite plants because sand cannot be used. Desert sand is too fine to Beach House Yogurt (Answers page 8) they don’t photosynthesize like plantsPROOF and algae. ADVERTISING use. River sand is the best for concrete and is BZ 4C 26x disc rate (COMP AD) mined from river beds and flood plains. Sadly, • Parrot fish are responsible Final Changes DUE: for creating some of 5:00 p.m.. May 31, 2020 Vol. 16 - No. 23 have been utterly depleted of their the world’s finest sand beaches. They nibble CLIP AND SAVE review carefully. Double check:  Phone Number(s)  Spelling many Pricesrivers  Hours sand deposits, which can't be replenished. on algae and polyps that cover coral skeletons. ADVERTISING PROOF ontact your Tidbits representative immediately with changes or corrections. They digest the soft matter, then defecate the • Glass is made by superheating ordinary sand, ADVERTISING PROOF al Changes DUE: ffice: 760-320-0997 valleybits@msn.com 5:00 760-320-1630 ground-up coral.email: A large parrot fish can growFax: p.m.. which is mostly composed of silicon dioxide, Final Changes DUE: MON., MAY 18 5:00 p carefully. Double check:  Phone Number(s)  Spelling  Prices  Hours up to four feet long, weigh 100 lbs, and live 40 until it reaches the melting point of 3090°F Please review carefully. Double check:  Phone Number(s)  Spelling  Price your Tidbits with or corrections. years.representative Such a fish immediately can generate a changes ton of sand(1700°C) and turns into a transparent liquid that Contact your Tidbits representative immediately with changes or correc sized coralemail: pellets every year. 60-320-0997 valleybits@msn.com Fax: 760-320-1630 can be molded, rolled or shaped by glassblowing. DR Construction Svcs. Office: 760-320-0997 email: valleybits@msn.com Fax: 760-32 • Another type of sand is called an oolith • In the late 1600s and early 1700s, Antoine van /16 pg. 4C 26x disc. (pronounced Leeuwenhoek not only made the first microscope March 18, 2018 Vol. 14oh-uh-lith) - No. 12 from the Greek words Glossy - Women’s Boutique lenses out of melted sand, but was also the first 1/8 pg. BW 13x person to closely examine sand particles through Enjoy the Outdoors the very microscopes he had created with it. May 24, 2020 Vol. 16 - No. 22

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• Human footprints believed to be thousands of years old were found permanently embedded in hardened sand in South Africa. A small person, likely a youth, had walked across the damp sand leaving three distinct footprints, which eventually hardened. The prints filled in over the centuries and were buried under layers of loose sand, which preserved and fossilized them until they were discovered hard as stone in 1995.

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• Dry sand acts like a liquid, but wet sand acts like a solid. Wet sand will remain as a solid, provided that the ratio of water-to-sand is somewhere between one part water to 99 parts sand, all the way up to ten parts water, 90 parts sand. More than ten parts water turns the mixture into a soupy slurry phenomenon called liquefaction, which is what you experience when you wriggle your toes in the sand underwater.

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Vol. XVI Issue 23

come up, they are in a minority. Wobbliness may tion to read about this condition: https://bit. ly/2BSdmYW. go along with Lewy body dementia. Parkinson’s *** disease may develop hallucinations, but Advisual Proof: DEAR DR. ROACH: I have been on hythat is usually late in the course of the disease. John Cuddihy - Flags “A” Flying drochlorothiazide for the past three weeks. This information can be shocking or Biz Card, BW, 26x rate depressing, but it is still important information for Have you heard of vivid dreams associated Corrections dueis by: 5 pm,forMon., with this medicine? I am having difficulty you to have. There treatment LBD. 6/19/17 More ADVERTISING PROOF importantly, there are medications that can make with it. -- L.G. M.D. Final Changes 5:00 p.m.. it MUCH worse.DUE: Please review carefully. Double check:  Phone Number(s)  Spelling  Prices  Hours ANSWER: Vivid dreams are not typically I would recommend you visit a neuroloContact your Tidbits representative immediately with changes or corrections. gist and specifically find someone with expertise associated with hydrochlorothiazide. HCTZ does Office: 760-320-0997 email: valleybits@msn.com Fax: 760-320-1630 in dementia, as that is who is unlikely to miss this not cross the blood-brain barrier, so it wouldn’t ADVERTISING PROOF be expected to have this effect. However, HCTZ diagnosis. Unfortunately, it is not always recogADVERTISING PROOF often is given along with other medications that nized early. DUE: MON., MAY 4 Final Changes 5:00 p.m.. Final Changes DUE: 5:00 p.m.. DEAR DR. ROACH: I am an extremely can have this effect, especially beta blockers, Here is some additional informaPlease review carefully. Double check:  Phone Number(s)  Spelling  Prices  Hours Pleaseevery review carefully. Double check:  Phone Number(s)  Spelling  Prices healthy 76-year-old woman. Almost suchasHours propranolol. If you are taking it as part night, I am startled awake by visions of Contact peo- your Tidbits representative immediately with changes or of a combination drug, I would look at the other corrections. Contact your Tidbits representative immediately with changes or corrections. & ple standing over my bed. It’s usually once, drug. Office: 760-320-0997 email:email: valleybits@msn.com Fax: Fax: 760-320-1630 Office: 760-320-0997 valleybits@msn.com 760-320-1630 but can happen up to three times in a night. FLAGPOLE SALES Some medications are particularly well It’s often after being asleep for an hour and a known for causing vivid dreams, and it is wise to Flags of USAStatesForeign VETERAN half. all Sizes. Military & Religious tell people that before prescribing them. The HIV Owned Flagpoles- Residential & Commercial Busin They’re not dreams. Something wakes drug efavirenz can cause such vivid, and someess Bob’s Clock Shop me up, and that is when I see a man or a times unpleasant, dreams that some people BZ 4C 26x TF couple or a child standing around my bed or can’t take it. Statins, steroids, antihistamines Call meVol. today!16 - No. 20 May 10, 2020 attempting to jump onto the bed. Though it and SSRI anti-depression drugs all are known to John Cuddihy (760) 343-1175 lasts only seconds, my heart hammers and I We’re Near! I-10 & Monterey in Thousand Palms • Delivery Available cause dream problems in some people. jump out of bed to chase “them” away, and *** even checking the door locks. Then I sort of Dr. Roach regrets that he is unable to answer Property of come around and pretty much laugh at myindividual questions, but will incorporate them in the colAdVenture Media, Inc. umn whenever possible. Readers may email questions to Howard Miller • Ridgeway • Sligh • Antique self. As it’s quite frightening, I believe I shout ToYourGoodHealth@med.cornell.edu. We also out, and it takes me a bit to calm back down. Service, Repair and New FREErepair Wall, Mantel, Movements fromFax: Germany I take NO prescription drugs nor sleepPhone: 760.320.0997 760.320.1630 (c) 2020 North America Synd., Inc. Ship’s and valleybits@msn.com All Rights Reserved 43 years Cuckoo inducing medicine. Why am I experiencing ’ s CloCk shop Clocks experience BoB All Rights Reserved this? What actually wakes me up to see these Carlsbad / San Diego / Desert Communities visions? Otherwise, I sleep very well. I would Servicing Coachella Valley on Fri., Sat. or Mondays greatly appreciate your insight or any advice Call for In-Home service appointment 760-729-5121 -or- Bob’s cell: 760-802-4071 as to who I might talk with about it. -- Anon.

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ANSWER: I hesitate to tell you, but what I am concerned about most is a condition called dementia with Lewy bodies. This is not AlzheimProperty of Property of er’s disease. In fact, the earliest symptoms are AdVenture AdVenture Media,Media, Inc. Inc. usually visual hallucinations. If you read •this ¼ Page, Full Color account (https://bit.ly/2Sk1Jzo), I think you • Feb. 23,may 2020 • Vol. 16:For #9 my birthday, my friends gave find some characteristics that sound familiar. FREE FREE of Coachella Valley of Coachella Valley me a bunch of dirt, silt and sand. I The Neatest Little Paper Ever Read What makes me doubt this diagnosis is The760.320.0997 Neatest Little Paper Ever Read Phone: Fax: 760.320.1630 Phone: 760.320.0997 Fax: 760.320.1630 found it basically useless, but I did valleybits@msn.com that you report no confusion or memory probvalleybits@msn.com appreciate the sediment. lems. Although some people may have the All Rights Reserved All Rights Reserved hallucinations well before any thinking problems

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1. The book of Ezekiel is in the a) Old Testament b) New Testament c) Neither 2. Who had 900 iron chariots and made 20 years of life unbearable for the Israelites? a) Tobiah b) Darius c) Nebudchadnezzar d) Sisera 3. How did God evaluate His work after six days, as all He made was ....? a) Divine b) In His image c) Very good d) Finished 4. Who was the father of Apostles James and John? a) Zebedee b) Zacchaeus c) Zebulun d) Zechariah 5. 27,000 men were killed when what city's walls fell on them? a) Sechem b) Sodom c) Jericho d) Aphek 6. Who burned his son alive as a sacrifice to a false god? a) Achan b) Ahaz c) Shimel d) Jehoiada (Answerson onpage page8)16) (Answers For comments or more Bible Trivia go to www.TriviaGuy.com © 2020 2019 King Features Synd., Inc. Inc.

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Eleven of the states with their own healthinsurance marketplaces (California, Colorado, Connecticut, Maryland, Massachusetts, Minnesota, Nevada, New York, Rhode Island, Vermont and Washington), plus the District of Columbia, are also offering special enrollment periods, allowing anyone who is eligible under the ACA rules to sign up. ACA health insurance is major medical insurance that covers essential health benefits with no annual or lifetime coverage maximums. And they can’t charge you more or deny you coverage because of a pre-existing health condition. You also need to know that if your annual income will fall below the 400 percent poverty level, the ACA provides premium subsidies, which will reduce the amount you’ll have to pay for a policy. To qualify for subsidies your household’s estimated income for 2020 must be under $49,960 for an individual, $67,640 for a couple, or $103,000 for a family of four. The lower your income is under these limits the higher your subsidy will be. Unemployment benefits count toward income. To see how much subsidy you may qualify for, use Kaiser Family Foundation health insurance marketplace calculator at KFF. org/interactive/subsidy-calculator.

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your employer’s health plan to be better or more affordable than the marketplace options, it makes sense to keep your current coverage under Larry’s Plastering COBRA.

• 1/16th page, Full Color, 6x discount rate *** •Send October - December 2017 your 29 senior questions3,to: Savvy Senior, P.O. Box 5443,•Norman, VolumeOK 13:73070, #44 - or 49visit SavvySenior. org. Jim Miller is a contributor to the NBC Today show and author of “The Savvy Senior” book. CLIP AND SAVE

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Sand (from page 3) five civilians. Investigators studied the ballast container used to keep the balloon upright in flight and found it was composed of sand. They discovered that the mineral content and foram species in the sand were unique to a specific location in Japan. Surveillance revealed that there were several hydrogen production plants at that exact location. Those plants were then specifically targeted and destroyed by American planes during the U.S. bombing attack on Tokyo. Property of AdVenture Media, Inc.

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Or, if your income is very low – below the 138 percent poverty level – you may qualify for free, or low-cost health coverage through expanded Medicaid services, which is available in many states. To apply for ACA Marketplace health plans or Medicaid, go to HealthCare.gov. Or, you can call their toll-free number at 800-3182596 and get help over the phone. COBRA If you need health insurance coverage for less than 18 months, another option you may want to consider is COBRA, which allows you to remain on your former employer’s group health plan, but not every employer plan is COBRA-eligible. Contact your employer benefits administrator to find out if yours is. In most cases COBRA is expensive, requiring you to pay the full monthly premium yourself. But, if you’ve already met or nearly met your employer plan’s deductible and/or out-of-pocket maximum for the year, and don’t want to start over with a new plan; or if you find

• In Virginia, a man was parked in his pickup truck in a muddy and sandy vacant lot next to the Shenandoah River. As another pickup truck pulled up, its driver rolled down his window and fired a shot, killing the driver of the first truck. Police had a suspect, but no proof. When they later saw him at a car wash hosing down his truck, they impounded the vehicle and took it in for forensic examination. The truck was splattered with mud and sand. Geological sleuthing showed that the only place for hundreds of miles around where the exact makeup of that mud and sand existed was in the lot where the murder had taken place. The evidence played an important role in the killer’s ultimate conviction. • Although it’s illegal to remove cactus from federal lands, cactus rustlers will often dig the plants from public lands, then re-pot them and create a fake bill of sale claiming they purchased them legally from a local plant nursery. Through forensic science, lab technicians are able to compare the sand trapped in the roots of the cactus to the place where they were supposedly purchased in order to catch the thieves. • During the mid-1800s, a train carried several barrels full of silver coins all the way across Russia. When they arrived at their destination, they found all the silver had been hijacked and the barrels refilled with sand. A local geologist who heard about the highly publicized theft decided to do some detective work on his own. He asked the station telegraph office to contact every station master along the rail route requesting that they send samples of the sand found near their stations. After careful examination, he identified the exact location where the sand had been substituted. By checking the railroad timetables and clever sleuthing by the local police, the culprits were subsequently apprehended and the stolen silver was recovered. 

Tidbits of Coachella Valley

Page 8

Vol. XVI Issue 23

might have been due. Before the GPO law went into ers in retirement. This is accomplished through a effect, people getting a non-Social Security pension benefit formula that is designed to give lower-paid were the only working people in this country who workers a better deal than their more highly-paid YOUR could get their own retirement pension AND a full counterparts. Very low-paid workers could get a dependent’s benefit from Social Security. Social Security benefit that represents up to 90% of SOCIAL SECURITY And the GPO law actually gives these peotheir earnings. This percentage is known as a “reple a bit of a break. Social Security retirement penplacement rate.” People with average incomes (the by Tom Margenau middle class) generally get a 40% replacement rate. sions offset spousal benefits dollar for dollar. But a non-Social Security retirement pension causes only Higher-income people get a rate around 30%. The problem is that people who spend the a three-for-two offset. In other words, for each $3 bulk of their working lives not paying into Social you get in a teacher’s or other non-covered pension, Security are automatically treated as low-income you lose only $2 from Social Security spousal benpeople by the Social Security Administration’s com- efits. Due to the space constraints of my column, puters. That’s because there are “zeros” on their Social Security earnings record for every year they this has been a very simplified explanation of a spent in their non-Social Security job. The SSA’s very complicated law. To learn more about the gov I am continually amazed by the number of records won’t show they were actually working at ernment pension offset,MON., check out the fact sheet emails I get with questions about Social Security the other job and earning another pension. Please review carefully. Double check:  Phone Number(s)  Spelling  Instead, at this link: https://www.socialsecurity.gov/ from people who don’t even pay into the system. their Social Security earnings record simply shows pubs/10007.html. Contact your Tidbits representative immediately with changes or c Who are these folks? They are primarily teachers gaps in their work history. So, when figuring their * * * Office: email: valleybits@msn.com in some states and police officers and firefighters Social Security retirement benefit, the SSA’s If you have a Social Security question, TomFax: com-760-320-0997 in other states. A lot of these employees are cov- puters automatically use the formula intended to Margenau has the answer. Contact him at thomas.margenau@comcast.net. To find out more about Tom Marered by other retirement plans and not by Social compensate a lower-income person. genau and to read past columns and see features from Security. But teachers, police officers, firefighters Wright otherAdvice Creators Syndicate writers and cartoonists, visit Why is that? Because back when Social Se- and other government employees generally can be the Creators Syndicate website at www.creators.com. 1/12 pg BW 13x rate curity laws were enacted in the 1930s, Congress classified as people with average incomes, so they COPYRIGHT 2020 CREATORS.COM May 24, 2020 Vol. 16 - No. 22 felt that they could not force a federal pension plan should get the same Social Security replacement Please review carefully. Double check:  Phone Number(s)  Spelling  Pri (Social Security) on state and local governments. rate paid to all middle-class workers. That’s why a Contact your Tidbits representative immediately with changes or corre So, they gave them the option of joining Social Se- modified formula is used to refigure their benefits 760-320-0997 email: valleybits@msn.com Fax: 760-3 curity or not. Most did. But some did not. And still and give them the proper -- and fair -- Office: replacement today, about 10% of all workers, mostly in state and rate. If you’re an employee affected by this law, that local jobs in the public sector, are not covered by modified formula takes you from the 90% (poor per• Turning 65? Social Security. son’s) replacement rate to the 40% (middle-class • New to the area? Also, federal government employees were person’s) replacement rate, thus usually reducing • Leaving your initially not covered by Social Security because estimated benefits by about half. they had their own pension system in place before company plan? Most career teachers and government Doug Wright Social Security came along. But all federal employ- employees generally have just barely over the Wright Advice Columnist ees hired since 1982 pay into Social Security. How- qualifying 40 quarters (10 years) of Social SecurityIndependent Agent ever, there are still some old feds out there (hired covered work. But if you have 30 or more years of 34 years of before 1982) who are not in Social Security. “substantial” Social Security earnings, the windfall professional experience Folks who spend the bulk of their careers finding solutions for 1. ANATOMY: What isprovision a more comwon’t apply, and your benefit will not be YOUR in jobs not covered by Social Security are potenmon name for the medical condition If you have between 20 and 29 years of reduced. Health Care needs. tially subject to a couple of offsetscalled thatdesquamation? impact ei- substantial earnings, your Social Security benefit ther their own Social Security benefit (based on Who 2. TELEVISION: uttered the partially reduced. A chart giving a yearbe only will Call for a FREE/ NOProperty Obligation review of Social Security-covered work theycatchphrase did outside “you of rang?”by-year in the sitcom breakdown of what the government conAdVenture Media, Inc. their regular job) or any benefits they beFamily”? due siders substantial earnings is available at https:// “Themight Addams from their spouse’s Social Security3.record. GAMES:There How many dominoes /pubs/10045.html. www.socialsecurity.gov www.WrightHealthAgency.com always has been a great deal of confusion and set? an are in a standard FREE The other rule that so many people misCA Lic. # OK90593 of Coachella Valley awful lot of misinformation about those offsets. If In understand 4. GEOGRAPHY: which city is is the government pension offset, or The Neatest Little Paper Ever Read By calling the number above you willFax: be 760.320.1630 directed to a Phone: 760.320.0997 licensed insurancevalleybits@msn.com agent. Medicare has neither you are potentially impacted by these offsets, the Basilica de tola Sagrada In a nutshell, that law says that an amount GPO.Familia reviewed nor endorsed this information. located? day’s column is directed at you and will help you equal to two-thirds of a non-Social Security-covered All Rights Reserved 5. MOVIES: Actress pension Meryl Streep understand them. must be deducted from any Social Security won her eliminafirst Academydependent’s Award for benefits. In effect, the law prevents One offset is called the “windfall Property of whichone movie? tion provision,” or WEP. This is the that immost folks who work at jobs not covered by Social AdVenture Media, Inc. 6. LITERATURE: kind from of collecting benefits as a wife, widow, pacts your own Social Security benefit. The other What Security “The Jungle is called the “government pension creature offset,”was or Bagheera GPO, inhusband or widower from a spouse’s Social SecuBook”? and it reduces any spousal benefits you might be rity record. FREE Read!” of Coachella Valley er Ever ttle Pap 7. FOOD & DRINK: What isWhat the these people don’t realize is that the due. eatest Li The Neatest Little Paper Ever Read “The N Phone: 760.320.0997 Fax: 760.320.1630 ingredient a pension offset law simply treats them The key to understandingprimary WEP is to real-of bouillabaisse, government valleybits@msn.com of stew?means in the same way that all other working people have ize that the word “social” in Socialtype Security All Rights Reserved 8. PSYCHOLOGY: fear isbeen rep- treated. For example, if a woman who October 23-29, 2006 something. Unlike private and other public sector What always resented the condition called coulpension plans, there are social goals builtininto the at a job that was covered by Social Secuworked rophobia? Social Security program. One of those goals is to rity gets a Social Security retirement pension, that MUSIC: What of blues raise the standard of living of lower9.income work-is the name has always offset any spousal benefits she pension

Social Security Offsets Affect Some Public Employees

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guitarist B.B. King’s Gibson guitar? 10. U.S. STATES: In which state GisOElvisFPresley’s I G U estate R E(Graceland) ! by Linda Thistle Answer peekers -- Hey! Try harder! located? TRIVIA TEST The idea of Go Figure is to arrive at theAnswers figures given at Answers Answers Weekly SUDOKU Weekly SUDOKU the bottom and right-hand columns1.ofPeeling the diagram skin by fol-Answerlowing the arithmetic signs in 2. Lurch, the butler the order they are given (that 28to right and top to is, from 3. left bottom). 4. Use only theSpain numbers Barcelona, below the to complete 5. diagram “Kramer vs. Kramer” its blank squares and use each 6. Panther of the nine numbers only once. 7. Seafood DIFFICULTY: � 8. A fear of clowns � Moderate 9. Lucille�� Difficult �� GO FIGURE! 10. Tennessee (Memphis) © 2010 King Features Synd., Inc. ©2020

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1. About 125,000 miles (200,000 km) 2. 1,312 feet (400 m) BIBLE TRIVIA Answers

1. 2. 3. 4. 5. 6.

(A) Old (D) Sisera (C) Very good (A) Zebedee (D) Aphek (B) Ahaz

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