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• The Komodo dragon of Indonesia is a giant species of lizard that preys on just about any creature it can overpower and consume. Weighing up to 150 pounds, these voraciously hungry reptiles will attack almost anything that moves and will go to extreme lengths to make sure they've eaten their fill. They have been observed in the wild running headlong into trees with half-swallowed animals the size of small goats protruding from their mouths to break its bones and force the unfortunate creature down its gullet. • Komodo dragons have also been known to raid recently dug graves in order to reach their meal. The problem is so widespread that it's common practice on Komodo Island to cover the graves of the recently deceased with large rocks and boulders Animal Habits: Turn to page 3
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• On the positive side, however, the plant is able to absorb and neutralize pollutants and toxins in the water.
One in a series
Killer Seaweed
1. What kind of bird can store food in its stomach for weeks?
• The municipality of San Diego was once able to Love YourbyLife kill off a large patch of this seaweed covering Frankie Luizza Leslie Amick it with a giant tarp weighted down with sand bags Realtor Realtor and pumping chlorine into the 11,000 square773.489.1600 760.774.3954 CalBRE#01993415 foot patch. AlthoughCalBRE#01998470 this killed everything under Frankie@FrankieAndLeslie.com • Leslie@FrankieAndLeslie.com the tarp, it took care of the problem.
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• This seaweed has often been sold in pet stores to people wishing to stock their FREE fish tanks with a hardy plant that can easily thrive in home aquariums. However, there is now a federal law under the Noxious Weed Act forbidding interstate sale and transport of the strain.
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• Researchers at the University NiceLife in France LoveofYour have been studying Frankie a tiny aquatic Luizza slug Lesliewhich Amick is Realtor Realtor a natural predator of the plant. This sea slug is 773.489.1600 760.774.3954 native to the warm waters off the coast of Florida, CalBRE#01998470 CalBRE#01993415 Frankie@FrankieAndLeslie.com • Leslie@FrankieAndLeslie.com and feeds exclusively on the seaweed by sucking out the liquid inside the stem. This particular type of slug is able to absorb and neutralize the seaweed’s poison, and the poison in turn protects the slug from being eaten by other sea creatures. However, this slug cannot survive in the cooler waters of the Mediterranean and, therefore, is unable to control the invasive algae there.
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• A few years later, a French biologist noted a patch of this mutated seaweed growing 760-320-1630 vigorously Love Your Life near the museum. He was surprised to Love Your Life • Interestingly, Caulerpa taxifolia is world’s see a tropical seaweed growing in the cold waters Frankie Luizza Leslie Amick Frankie Luizza Leslie Amick Realtor Realtor Realtor Realtor largest single-celled organism, with a single cell off the coast of France. He warned his colleagues 773.489.1600 that 760.774.3954 773.489.1600between 760.774.3954 six and twelve inches (15-30 the seaweed could become an invasive ADVERTISING PROOFmeasuring CalBRE#01998470 CalBRE#01998470 CalBRE#01993415 CalBRE#01993415 Final Changes DUE: 5:00 p.m.. cm). It’s now on the list• of thePROOF world’s 100 most species. Over the course of the next few years, Leslie@FrankieAndLeslie.com Frankie@FrankieAndLeslie.com • Leslie@FrankieAndLeslie.com Frankie@FrankieAndLeslie.com ADVERTISING invasive species. his fears were realized. Soon it had been found Final Changes DUE: Wed., 1/11/17 5:00 p.m.. at 68 different places around the planet where Please it review carefully. Double check: Phone Number(s) Spelling Prices Hours wouldn’t ordinarily grow. Contact your Tidbits representative immediately with changes or corrections.
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• In 1980 workers at a zoo in Germany noticed an inordinately impressive strain of tropical seaweed growing in their aquarium. Called 5. What insect holds a record for its exponential growth rate?PROOF “Caulerpa taxifolia” it was a common seaweed, ADVERTISING but this strain hadYour mutated Love Lifeafter being exposed 18 chemicals, grown under ultraviolet lights, and (AnswersMON., on page NOV. 16) al Changes DUE: 5:00top.m.. Frankie Luizza Leslie Amick Realtor Realtor being selectively bred. The resulting strain was w carefully. Double check: Phone Number(s) Spelling Prices Hours 773.489.1600 760.774.3954 particularly tough andCalBRE#01993415 lush. CalBRE#01998470 ®
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• It clogs waterways and reproduces any part of the plant that breaks off and drifts away, thus establishing a whole new colony wherever it takes Classic Garage Doors root. When it gets tangled up in the propellers of • 1/12th page, Spot Color, 26x discount rate boats, caught in fishing nets, or sucked into the • April 9 - Oct. 1, 2017 ballast tank of ocean liners, it can be carried long • Volume 13: #15 - 40 distances. Chopping up the plant into little bits only allows it to spread even more rapidly. 4 Million Readers Weekly Nationwide!
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• The plant gets its name from a toxin called caulerpenin, which kills fish. This prevents marine animals from nibbling on it, which allows Eric Rudolph P.C. it to grow quickly. The seaweed provides little in 1/8th Pg.Your • Full Life Color • 13x discount rate Love Your Love theLife way of useful habitat forPROOF marine creatures, ADVERTISING $185 per insertion and it grows on the4/3/17 ocean floor that it Frankie Luizza Final Leslie Amick so thicklyMon., Frankie Luizza Leslie Amick 5:00 p.m.. Realtor RealtorChanges DUE: Realtor Realtor Please review carefully. Phone Number(s) Spelling Pricesit's Hours chokes outDouble othercheck: aquatic life. Because of this, 773.489.1600 760.774.3954 773.489.1600 760.774.3954 Contact your Tidbits representative immediately with changes or corrections. CalBRE#01998470 CalBRE#01998470 CalBRE#01993415 CalBRE#01993415 been given the nickname of “killer seaweed.”
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Animal Habits: (from page one) to dissuade the creatures from digging down
to their din-din. Locals are so terrified of these huge lizards and their repulsive eating habits that houses on the island are built on stilts to keep the dreaded creatures from getting inside.
Barry. A man who can breathe underwater? Gil. Tidbits of Coachella Valley Page 3 A woman involved in a lawsuit? mating season contain water, salt, and proteins, offering Sue.the frog will also grow long, scraggly strands of "hair-like" pieces of skin a nice package of nutrition. Most types of and arteries along the side of its body to help moth are able to steal a meal without the host it take in more oxygen. So along with having ever noticing, but one species deliberately Wolverine claws, they also have Wolverine scratches on the animal’s eyeball in order to sideburns. generate more tears.
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• The fieldfare is a type of thrush that lives in • Frogs need to shed their skin as they grow just sc Europe. They nest in colonies, finding safety in like snakes do. But frog skin is full of protein • Sloths inhabit the treetops of Central and mo numbers. When one of the birds spots a threat, and shouldn’t be wasted. While struggling to ADVERTISING PROOF South America where they eat leaves. Leaves by Kara Kovalchik & Sandy Wood such as a magpie trying to steal eggs, it will PROOF pull off the skin, a frog will get a piece ofADVERTISING se contain very little nutrition so the sloth soundDUE: an alarm, which spreads throughout the Final 5:00 it in its mouth, and then start munching untilChanges MON., MAY 1 Final Changes DUE: 5:00 p. p. conserves energy by moving very slowly. It flock. Then they swarmNumber(s) the predator, dropping Prices it's swallowed the entire portion of review what was Please carefully. Double check: Phone Spelling Please review carefully. Double check: Phone Number(s) Spelling 2. Prices W moves so little, in fact, that algae actually 1. ‘Daisy’ was originally poop bombs over its heada with amazing once the exterior of its former self. Contact your Tidbits representative immediately with changes or correction grows on its fur. This, however, offers the tra nickname for what Contact your Tidbits representative immediately with changes Animallonger Habits: To page or 15correctio • Caecilians are a type of amphibian found animal a couple of advantages. First, it Office: 760-320-0997 email: valleybits@msn.com Fax: 760-320-1 fir girl’s name? Office:called 760-320-0997 email: valleybits@msn.com Fax: 760-320in tropical areas. One species disguises the sloth so it’s harder for predators sp “Bourlengerula taitanus” has an unusual to spot; second, it provides a handy snack, UIZ IT S method of feeding offspring. The female lays 2. Which member of Britain’s and sloths can often be seen eating away at her eggs and then curls around them, protecting Royal has swallow been their the mossy stuff growing on their own bodies. 1. Family Why do snakes them until they hatch. After hatching , the head first? called prey ‘Lilibet’ (as • The super-size frigate bird is an aerial acrobat babies begin to bite the mother, ripping off T least 2.inHow private) capable of skimming the surface PROOF of the ocean many species of ADVERTISING the outer layer of her skin and eating it. The n and snatching fish out of the water. But it also sincePools childhood? bugs-feed on the blood mother grows this extra layer of skin for Ojeda c/o Vanjuan Vladimirov Mon., 4/22/2017 inal Changes DUE: 5:00 p.m.. has another talent; it can spot other birds that of disc. animals? the express purpose of feeding her young, a BZ BW 6x iew carefully. Double check:and Phone Number(s) attack Spelling Prices Hours Q are also feeding, then aggressively practice called dermatotrophy. The process May 7, 2017 Vol. 13Answers - No. page 19 16 ADVERTISING PROOF A them representative in mid-flight. immediately The terrifiedwith birdchanges under or corrections. act your Tidbits somehow doesn’t seem to bother her or cause attack will often urp up its meal, at which Final Changes any real harm. e: 760-320-0997 email: valleybits@msn.com Fax: 760-320-1630 DUE: Mon., 9/26/16 5:00 pV EXPERIENCED PROFESSIONAL RELIABLE DEPENDABLE 1. time the frigate bird will dive to snatch the Fully Insured Please review carefully. Double check: Phone Number(s) Spelling Prices • Some types of birds deliberately encourage Lic # regurgitated prize before it hits the water. 859702 2. 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Then the surviving Contact your Tidbits representative immediately with changes or corrections. 2. QUEEN ELIZABETH 1/8th pg. • 4c •671-1009 13x discountIIrate (760) chick makes a meal of its weaker sibling. This Serving the Free Consultation Office: 760-320-0997 email: valleybits@msn.com Fax: 760-320-1630 Increase Oct. 2 - Dec. 25, 2016 • Vol. 12:Coachella #41 - #53 www.OjedaPools.com Valley Since 2005! GEE-AR-GEE offers the birds the best chance of raising the Your Home's ur VALUE & Yo CONSTRUCTION CO., INC. strongest and healthiest offspring, making it Lifestyle! "Large enough to serve • Small enough to care" Handling All Phases of Construction & Home Improvement more apt to survive as an adult. Property of RESIDENTIAL Property of Inc. AdVenture Media, AdVenture Media, Inc. & COMMERCIAL REVOLTING DEFENSES A-1 TOP Quality! Specializing in • Many species of lizards are able to detach KITCHEN & BATH REMODELS FREE their tails when under attack. 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ELECTRICAL • The hairy frog, also known as trichobatrachus s Ceiling Fan ADVERTISING PROOF robustus, is a small amphibian with what is FREE ts Ligh t Pos & Final Changes DUE: 5:00 p.m.. Property of probably one of the most disgusting methods Please review e DoubleAdVenture $ ilabl carefully. check: Phone Number(s) Ava Spelling Prices Hours Media, Inc. Phone: OF760.320.0997 Fax: 760.320.1630 ADVERTISING PROOF of defending itself in the entire animal Contact your Tidbits representative immediately with changes or corrections. valleybits@msn.com with this ad. Snapping turtles are Wed., 5/3/17 Office: 760-320-0997 email: valleybits@msn.com Fax: 760-320-1630 Final Changes DUE: 5:00frog p.m.. kingdom. When threatened, the hairy Aluminum Patios FREE sometimes usedReserved to help solve crimes. Please review carefully. Double check: Phone Number(s) Spelling Prices Hours All Rights FREE will produce a small pair of tiny bone claws SE NIOR (looks like wood,of Coachella only better!) Valley Contact your Tidbits representative immediately with changes or corrections. Phone: 760.320.0997 Fax: 760.320.1630 Because they feed on dead carcasses The Neatest Little Paper Ever Read valleybits@msn.com DIS Office: 760-320-0997 email: valleybits@msn.com Fax: 760-320-1630 CO that burst out from the ends of its toes. These Patio Covers Carports Phone: 760.320.0997 Fax: 760.320.1630 UNTS in the water, these turtles have an valleybits@msn.com All Rights Reserved claws are grown inside the frog's body, and Retractable Awnings Drop Shades excetionally keen sense of smell that the only way they can be unsheathed and can lead them directly to submerged Concrete Patios, All Rights Slabs Reserved& MORE! bodies. Investigators tie a string to exposed is by the frog breaking them and the turtle and release it in water forcing them out through its skin. To visualize where a body is thought to be. this, imagine breaking your own fingers and The turtle leads them Professional Workmanship • Affordable Prices then trying to force the jagged pieces ofRate bone Banner • Black & White • 13x Discount straight to it. out through palms, CALL May your 7, 2017 • Vol.which 13: #19is just what FINANCING the hairy frog does when under attack. TODAY: AVAILABLE FREE ESTIMATES & DESIGN Lic. #870046 • Locally Owned & Operated • As though not disgusting enough, during
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Page 4
Everyday CHEAPSKATE
®
by Mary Hunt By Samantha Weaver
Refinance Credit Card Debt? Sell an Auto Short? Yes and No!
* It was Miguel de Cervantes Saavedra -- widely regarded as the best writer in the Spanish language and one of the best novelists in any language -- who made the following sage observation: “No fathers or mothers think their own children ugly; and this self-deceit is yet stronger with respect to the offspring of the mind.”
Everyday CHEAPSKATE
These days, with so many resources available on the internet, it’s not always easy to know ® who or what can be trusted. After all, if you can refinance your home mortgage, you should be able by Mary Hunt to do that with your credit card debt and car loan as well, right?
* You might be surprised to learn that Princess Di was also a tap-dancer. * In the newly egalitarian society that emerged after the French Revolution in the 18th century, the color known as “royal blue” experienced a precipitous decline in popularity. Royalty may have been out of power, but practicality still ruled. For the most part, people didn’t throw out their old clothes, or even redye them; to get rid of any monarchist overtones, they simply started calling the color “national blue.”
DEAR MARY: With your guidance, I have successfully refinanced my credit card debt with a peer-to-peer loan, or P2P loan, from Prosper. I’m still surprised by how easy it was. I have three credit card accounts that totaled $7,523. The minute the Prosper loan proceeds hit my bank account, I went online and paid each of these accounts to zero dollars. Now I have these three credit card accounts with a zero-dollar balance, plus a new Prosper installment loan. I have two questions: How will this affect my FICO score, which was 720 when I applied to Prosper? And should I close the credit card accounts? -- Jonathan
* The court system in the Central African Republic is having difficulty dealing with the caseloads. One of the primary problems is witchcraft. It seems that 40 percent of all prosecutions in the nation involve some form of witchcraft, including 5 percent of all juvenile cases.
Vol. XIII Issue 19
we would find a dealer to purchase the car from us and get our loan company to accept the sale amount. That would be the end of it; we could walk away without owing anything else. This seems too good to be true. Can you tell me what I need to know about a short sale? What are the pros and cons? -- Lori Dear Lori: I don’t know what a loan consultant is, but I think you’ve been scammed. There is no such thing as a short sale on an auto loan. And you should be very concerned about how not making car payments for two months affected your credit score. You need to do a couple of things right away. First, call your auto lender and see where you are and what you need to do to bring your loan current. Next, find a buyer to purchase your car at its current market value. If you cannot come up with the difference between the sale price and the amount you owe in cash, find a way to borrow it from a family member or your credit union (your chances here may be diminished depending on your credit score). Yes, you will have to make payments on this gap loan, but they will be considerably smaller than your current monthly payments. In the future, wise up. Pay attention to your common sense when it suggests that something is too good to be true. I fear that it was this time. * * * Mary invites questions, comments and tips at mary@everydaycheapskate.com, or c/o Everyday Cheapskate, 12340 Seal Beach Blvd., Suite B-416, Seal Beach, CA 90740. This column will answer questions of general interest, but letters cannot be answered individually. Mary Hunt is the founder of www.DebtProofLiving.com, a personal finance member website and the author of “Debt-Proof Living,” released in 2014.
Dear Jonathan: This move could actually improve your credit score. Because you have zerodollar balances on your credit card accounts, your * Those who study such things say that current revolving utilization rate is zero percent, COPYRIGHT 2017 CREATORS.COM the koala bear has two opposable thumbs which in credit-score talk is perfect. That means on each hand. you are utilizing none of the credit limits on those open-ended credit accounts. That should boost * The jobs website Glassdoor has issued Enjoy the Outdoors your FICO score because 30 percent of your score a report ranking the best jobs in America, is based on your revolving utilization rate. The with scoring determined by combining ADVERTISING PROOF lower your rate, the more points you get in that catthe number of job openings, salary and egory. Final Changes DUE: MON. 8/15/16 5:00 p 1/16/17 overall job satisfactionMon., rating. Unsurpris Assuming you’ve learned your lesson about Please review carefully. Double check: Phone Number(s) Spelling Prices ingly, the list is top-heavy engineers view carefully. Double check: Phone with Number(s) Spelling Prices Hours credit card debt and you will never allow debt to and analysts. At No. 4, though, is Tax Elite w o o d / Alu ma-W o ochanges d Contact your Tidbits representative immediately with or correct roll over from one month to the next again, keeptact your Tidbits representative or corrections. Manager, with a jobimmediately satisfaction with scorechanges of Patio Covers Office: 760-320-0997 email: valleybits@msn.com Fax: 760-320 just one of the credit card accounts open and Custom Columns & Styles Available · Lifetime Warranty 4 out of a possible 5. summer special! e: 760-320-0997 email: valleybits@msn.com Fax: ing 760-320-1630 Vinyl/Wood Fencing · Composite Decks active (the one you’ve had the longest) should be *** special! Pre -Summe r Spe cia l SPRING SPECIAL! sufficient to maintain a great FICOFALL score. You can Thought for the Day: “An expert is a General Contractor CA Lic# 988835 $2499 confidently close the other two without tanking your Licensed · Bonded · Insured winter SPECIAL! man who has made all the mistakes which Air Fresh Duct Cleaning 12’ x 20’ 760 413-4708 714 345-1652 score -but only if the account you keep does not can be made in a very narrow field.” page, 4c, Attached1/12th Patio Cover R e l i a13x b l e S ediscount r v i c e · F r e e rate Estimates accumulate debt! -- Niels Bohr ldrpatio@aol.com ·Lattice or Solid· Includes: August 21 November 13, 2016 • Vol. 12: #35 - #47 I suggest you close those other two acAn Authorized Dealer / Installer of All Materials & Installation 1/12 pg. 4C 26x disc. (Additional Cost for City Permits) (c) 2017 King Features Synd., Inc. Koolfog Misting Systems counts over a period of time, like one next month Jan. 22 • Vol. 13: #4 Building Custom Shade Structures in the Coachella Valley over 15 Years and the other in six months. By the way: Congratulations! You will be completely debt-free much sooner now that you have refinanced your open-end revolving consumer Don’t let debt into this closed-end installment loan that is Finest Quality Kitchen and Bath Cabinets in the spoil the air quality fully amortized, has a fixed rate of interest and a Valley at UNBEATABLE PRICES, Guaranteed! in your home! fixed monthly payment, and is paid automatically The buildup of dust in your home’s each month so you don’t have to think about it. omplete ADVERTISING air duct system contains unhealthyPROOF omplete itChens itChens Dear Readers: My e-book, “The Complete allergens, pollen, dust mites, pet Final Changes DUE: 5:00 p.m.. tarting Guide to Refinance Your Credit-Card Debt,” is curtarting at at dander bacteria and other conPlease review carefully. Double check: Phone Number(s) Spelling Prices Hours that can cause serious rently available for free download on my Debt-Proof Contacttaminants your Tidbits representative immediately with changes or corrections. respiratory Living website. It’s an easy read, and it gives step- Office: 760-320-0997 problems. AFTER email: valleybits@msn.comBEFORE Fax: 760-320-1630 ADVERTISING PROOF by-step instructions. Jonathan’s right: The process Final Changes DUE: 5:00 p.m.. You need to have your air ducts cleaned! VISIT OUR Please review carefully. Double check: Phone Number(s) Spelling Prices Hours is easy! SHOWROOM Contact your Tidbits representative immediately with changes or corrections. Property of Let us pro Call For *** vide a • ALL CONSTRUCTION Office: WOOD 760-320-0997 email: valleybits@msn.com Fax: 760-320-1630 AdVenture Media, Inc. Whole Whole FREE thorough A pp oi nt m DEAR MARY: Is it possible to do a short en t • OVER 20 STYLES & FINISHES House House inspection of your sale for a vehicle? We have a 2009 vehicle on Air Duct Cleaning up to • SELF- CLOSING DOORS & DRAWERS home’s air ducting 10 registers. system at noFREE • QUARTZ & NATURAL STONE COUNTERTOPS Property of which we owe approximately $13,700. Its marof Coachella Valley obligation. AdVenture Media, Inc. The Neatest Little Paper Ever Read ket value is $7,000 at most. Our payment is Phone: 760.320.0997 Fax: 760.320.1630 FREE ESTIMATES & DESIGN SERVICES valleybits@msn.com $326 per month. New CoNstruCtioN • remodels Cabinet Design • Residential • Commercial All Rights Reserved The loan consultant gave me several FREE of Coachella Valley options, including a two-month deferment on The Neatest Little Paper Ever Read & Phone: 760.320.0997 Fax: 760.320.1630 -- Also -- Ask about our “Blow-In payments, which I accepted to give us a little 74-425 Hwy 111 • Palm Desert • GENERAL CONTRACTOR Attic Insulation” Special! valleybits@msn.com • KITCHEN & BATH (at the corner of Deep Canyon & Hwy 111) breathing room. DESIGNS Veteran Residential & Commercial Bonded & Insured --- Lic. No. 893549 Call Today All Rights Reserved He also mentioned a short sale, where Owned. OrdKitchenAndBathDesigns.com for Info:
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straws did not become soggy and the glue would not dissolve in alcoholic drinks. • • He patented the product, and by 1890 most of his factory employees were making straws instead of cigarette holders. Demand increased • so fast that Stone had to expand his production facility several times.
STRAWS
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semi-precious stones. Americans use and throw away about 500 million straws per day. McDonald’s uses about 60 million of them per day worldwide. The EPAUltimate estimates thatRepairs plastic straws will Home remain in the environment for around 200 years. Business Card, 4c, 26x Discount Rate During beach clean-up days,#21 straws are Mayannual 15, 2016 • Volume 12: Issue one of the most common items found.
• He went on to invent a pencil sharpener and fountain pen holder, but nothing sold like his • Marvin Stone manufactured paper cigarette PROFESSIONAL Reliable Expert drinking straws. Marvin Stone died in 1898. holders in 1888. His factory was located in Handyman Services Repairing Desert Washington, DC. After a long day at work • In 1906 at Marvin Stone’s factory, the first and Homes for over home repair 15 years! automated machine was invented to make he would often walk down to the local bar Plumbing • Carpentry • Electrical • Painting Property of straws, and the same machine was later adapted and have a cool and refreshing mint julep, his AdVenture Inc. Fans Drywall • Vanities • Cabinets •Media, Ceiling to make all kinds of paper tubes, such as those Flooring • Laminate • Tile • Showers • Stucco favorite drink. Concrete • Pet Doors • Appliance Installs • MORE! FREE in the center of paper towel rolls. • Making a good mint julep took skill. It was ADVERTISING PROOF 10% “Our repeat 760.320.0997 Fax: 760.320.1630 SE NIO R • Joseph B. Friedman made the next big essential to keep the drink as cold as it could customers make our Mon., DISCOUNT All Rights Reserved March 13, 2017 Final DUE: 5:00 business thrive!” improvement in straws when he noticed his Changes be, as a warm mint julep loses all its appeal. ADVERTISING PROOF CALL J o h d n FREE r a s on, Pric Please review Double check: Phone Number(s) Spelling ich p.m.. -R5:00 760. 347.9485 TODAY: young daughter having trouble drinking out ofcarefully. Final Changes DUE: Estimates -ownerIn order to keep their body heat from warming Please reviewUltimateHomeRepair.net carefully. Double check: Phone Number(s) Spelling Prices Hours Visit us online: Bonded & Insured a straight straw at a soda fountain in California. the drink, people would sip the drink through Contact your Tidbits representative immediately changes or corre Contact your Tidbits representative immediately with changes orwith corrections. Office: 760-320-0997 Fax: 760-320-1630 He put a screw into the straw and tightly wound a grass straw so their hand wouldn’t touch the Office: 760-320-0997 email: valleybits@msn.com Fax: 760-3 a thread around the outside over the screw's CALL TO SCHEDULE AN glass. The straws were cut from common rye grooves. After removing the screw, the straw grass, but it tended to make the drink taste like could be bent at an angle in PROOF the now-corrugated ADVERTISING rye grass as well. Also, the grass straws tended Friday, 5/27/16 joint. He patented this jointed straw in5:00 1937. Final Changes DUE: p.m.. toADVERTISING crack and split, dropping pieces into the PROOF Please review carefully. Double check: Phone Number(s) Spelling Prices Hours drink. They DUE: would also get10/31/16 soggy and soft after He tried to interest several straw manufacturers Mon., Final Changes 5:00 p.m..• Contact your Tidbits representative immediately with changes or corrections. A/C, Heating & Plumbing forcheck: verylong. Please reviewbeing carefully.wet Double Phone Number(s) Spelling Prices Hours in760-320-0997 the new email: design, without success. So he Preferred Office: valleybits@msn.com Fax: 760-320-1630 Your home will be left empty & clean 1/16 pg. • 4C 26x disc. collected investments from friends and family, Contact your Tidbits representative or corrections. and we’ll•pay you to do it! • Working with paperimmediately all day aswith hechanges did, Stone got Office: 760-320-0997 email: valleybits@msn.com Fax: 760-320-1630 March 19, 2017 • Vol. 13 - No. 12 GARY NE WTON waited until World War II was over, and then set the idea for making drinking straws from paper. (855)874-8509 Professional Liquidator up his own straw factory. He was in business by He made the first batch of straws by winding a www.PeerlessEstateSales.com ADVERTISING PROOF the late 1940s. thin strip of paper around a pencil and gluing it. Final Changes DUE: 5:00 p.m.. He gave some to the bartender, who thought it • His first customers were hospitals because thereview carefully. Double check: Phone Number(s) Spelling Prices Hours Please was a great idea and began using them. jointed straw now made it easier for bed-bound Contact your Tidbits representative immediately with changes or corrections. FREE patients toInfinitee use them. The bendy straw has been Office: 760-320-0997 email: valleybits@msn.com Fax: 760-320-1630 Travel Network • Next he designed a longer straw with a diameter Landy’s Window Cleaning popular ever since. 1/16th page, BW, 13x discount rate just small enough to prevent a lemon seed from ADVERTISING PROOF 1/16ththrough, pg • Fulland Color • 26x started discount rate Augustdrinking 28, 2016 •straw Vol. 12: Issue #24 - #36 passing people drinking • June The5 -oldest ever found was 6, 2016 - April lemonadeNov. through them. Then30, he 2017 experimented ADVERTISING PROOF discovered in a Sumerian tomb dating back to Changes DUE: WATER HEATER INSTALLATION* 5:00 Final Vol. 12: Issue manila #46 - Vol. 13: #18 with paraffin-coated paper so that the Final 5:00 p.m.. withNumber(s) complete Deluxe 3000Changes B.C. It’sDUE: made of gold and Please decorated withcarefully. Double check: Phone review Spelling Pric 4 Million Readers Weekly Nationwide!
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Also Power Washing & Home Washing Driveways • Patios/Furniture • BBQs • RVs Catherine Marcy - Real Estate Call Today: FREE Estimates • Affordable Rates 10% SEN IOR 1/12 Landy pg 4C at - - DISCOUNT Mayyour 7, service! 2017 Vol. 13 - No. 19
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Xino Tinnitus® is a new technology designed to make the constant ringing, buzzing or humming you hear significantly less annoying. A unique, soothing sound is created to counterbalance that irritating sound.
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reveal. *** I keep hearing differing reports about the status of Ben Affleck and Jennifer Garner’s marriage. Can you give us the scoop? -- Kenny Y., Owings Mills, Maryland
Q:
Q:
I have been a fan of Jude Law ever since “The Talented Mr. Ripley,” and I absolutely love him in the “Sherlock Holmes” films. Can you tell me what he has coming up? -- Layla C., via email
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It was approximately two years ago The third and final season of the critithat the couple announced their split, followed by cally acclaimed Netflix original drama/suspense MON. , MARCH 6 conflicting reports of fights and reconciliations and series ADVERTISING returns May 26, with 10 new episodes at the PROOF Please review carefully. Double check: Phone Number(s) Spelling Please review carefully. check: Phone Number(s) Spelling Price then additional breakups -- you know, standard HolreadyDouble for your streaming pleasure. Series stars KylePrices Friday, 6/19/15 Final Changes DUE: 5:00 p.m.. lywood gossip. However, last month theContact couple finalChandler, Sissy Spacek, Ben Mendelsohn, Linda Tidbits representative changes correctio Please review carefully. Double check: immediately immediately Phone Number(s)with Spelling Prices or or Hours Contactyour your Tidbits representative with changes correct ly did officially file for divorce, shortly after Affleck Cardellini and Norbert Leo Butz are all returning. Office: 760-320-0997 email: valleybits@msn.com Fax: valleybits@msn.com Fax:a760-320 760-32 Contact your Tidbits representative immediately with changes or corrections. completed rehab for alcohol addiction. Office: 760-320-0997 The show -- email: which ended its second season with If you’ve been following the story, this dramatic Office: cliffhanger -- dropsFax: on760-320-1630 Memorial Day (May 760-320-0997 shouldn’t come as a surprise. Back in 2015, the cou- 29), so if you happen to have the day off, you can ple released a joint statement: “After much thought binge the rest of the series in one fell swoop! and careful consideration, we have made the diffi- * * * cult decision to divorce. We go forward with loveRealty Source, Write to Cindy at King Features Weekly Service, 628 Inc. c/o Corey Chambers Drive, Orlando, FL 32803; or e-mail her at letters@ and friendship for one another and a commitmentBZ Virginia BW 26x cindyelavsky.com. ADVERTISING PROOF to co-parenting our children, whose privacy we askMarch 12, 2017 Vol. 13 - No. 11 Features Synd., Inc. Final Changes DUE: Mon., 9/21/15 5:00 p.m.. to be respected during this difficult time. This will (c) 2017 King Please review carefully. Double check: Phone Number(s) Spelling Prices Hours be our only comment on this private, family matter. Contact your Tidbits representative immediately with changes or corrections. Thank you for understanding.” Fax: 760-320-1630 Office: 760-320-0997 Affleck and Garner share three children,
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Shadow Hills Dental Care 1/8 pg. 4C 13x - Prem. Pos. Puzz. Tidbits of Coachella Valley May 12, 2013 Vol. 9 - No. 20
Vol. XIII
Issue 19
Your Smile Is Your #1 Asset At Shadow Hills Dental Care...
It’s All About You
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Please review carefully. Double check: Phone Number(s) Spelling Prices Hours Property of AdVenture Media, Inc. Rehab Behavior A BETTER Aggressive Contact yourWA Tidbits representative immediately with changes or corrections. Y TO Puppy Socialization TTER A BEOffice: 760-320-0997 Fax: 760-320-1630 FREE Obedience/Manners of Coachella Valley DOG! Phone: 760.320.0997 Fax: 760.320.1630 Service Dog Training Toy dogs are so darn cute. You can tuck 4 Million Readers Weekly Nationwide!
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Howard Miller • Ridgeway • Sligh • Antique
“I have a cute miniature pincher -- a rusty. Her name is ‘Sweetie.’ “The problem is that I have disabled chilvalleybits@msn.com 32 years dren and Sweetie steals food from them and never Palm Springsexperience Flying B School oB ’sReserved CloCk shop All Rights ADVERTISING PROOF gets tosocialize Please review carefully. Phone Number(s) Spelling Prices Hours with other people and pets. There Created by Tom Underwood c/o Brian Double Carr check: Carlsbad/ San Diego / Desert Communities ©North 2012 www.wuzzleking.com Syndicate, 2010 NorthAmerica American Syndicate 2017 Mon. 3/28/16 5:00 p.m.. isn’t a lot of time to take her out, and now she has Final Changes DUE: Servicing Coachella Valley on Fri., Sat. or Mondays BZ BW 6xrepresentative Please review carefully. Double check: immediately Phone Number(s) Spelling Prices Hours Contact your Tidbits with changes orcorrections. (Wuzzles answers on page 16) bitten a couple of people who have come into our Call for In-Home service appointment AprilContact 2, 2017 Vol. 13 No. 14 your760-320-0997 Tidbits representative immediately with changes or corrections. Office: 760-320-1630 760-729-5121 Fax: -or- 1-800-734-5121 courtyard and house. Office: 760-320-0997 Fax: 760-320-1630 “One of the people she bit is disabled herself. Lucky for me, she is a neighbor -- not to mention her dog bit me once! “I was wondering whether you might know Property of someone who could take Sweetie, because I can’t AdVenture Media, Inc. $99 Intro Flights afford a lawsuit. I was hoping to find an adult with another dog for her to play with, who hopefully .com FREE Valley & Air Conditioning J. Anthony Plumbing,of Coachella Heating would be able to take her out to socialize more.” 760.320.0997 Fax: 760.320.1630 INSTRUCTION 1/12th page, & 4c,RENTALS 13x discount rate To state the obvious: Toy dogs are not actuSCENIC FLIGHTS Rights • Reserved May 8 - July 31,All2016 Vol. 12: Issue #20 - #32 ally toys. They’re dogs. And while it’s undoubtedly Brian Carr CFI true that Sweetie needs to be socialized, it’s equally clear that she needs some good old-fashioned training. This reader is on the right track in that Property of Sweetie does require a new home -- one without Property ofInc. AdVenture Media, $44 SA VINGS children. But she should also be tested to deterAdVenture Media, Inc. Property of AdVenture Media, Inc. The Desert’s most thorough check list: mine whether a home with other pets is appropriVoltage & Amperage to all motors with electronic meters ate. FREE FREE of Coachella Valley ADVERTISING PROOF FREE $ Contactors Pressure switch outofLittle circuitry People tend to make the assumption that Coachella Thecut Neatest Paper EverValley Read Reg. 99 760.320.0997 Fax: Fax: 760.320.1630 Phone: 760.320.0997 760.320.1630 The Neatest Little Paper Ever Read Final Changes DUE: 5:00 p.m.. ® Electrical lock out circuitry All wiring & connections small dogs can only create small problems. But PER SYSTEM Phone: 760.320.0997 Fax: 760.320.1630 valleybits@msn.com Tidbits Word Search Reserved with thisPrices ad. Not valid Please review carefully. Double check: AllRights Phone Number(s) Spelling Hours Condensate pan drainage &valleybits@msn.com fittings Fan belts & adjust with other offers. what about the dachshund 30 that urinated on the Exp.5-31-17 1 Exp. Contact your Tidbits representative immediately with changes or corrections. Rights Reserved tension Adequate refrigerantAllcharge carpet “a little bit” every day, for years? The yapAll RightsFax: Reserved "Global Glance" Office: 760-320-0997 760-320-1630 Service also includes: ping Yorkies that landed their owner in court with • Replace filter with new washable filter Y T W F K K J P G G M Z Y M K W a noise complaint? The Chihuahua that got under• Clean condenser coil W D Q R U S S I A T L A T V V Y • Lubricate all moving parts foot and landed her famous owner in the hospital J R E Z V X K A T L W N C J Z D Serving the • Provide written evaluation Desert for with a broken nose? The Pomeranian that killed an 19 years. Z L S N V W G P E R H M J G T L of air conditioning system. infant in her crib? Q A W K M E H P O R X K K T L H These were all extremely costly incidents G N I R T A N N V D O H C A R Z Rights Reserved Service, All Repair and New FREE Movements from Germany Phone: 760.320.0997 Fax: 760.320.1630
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Medi-Cal, however, is designed to cover long-term custodial care. Medi-Cal is California’s version of the Medicaid program that is funded jointly by the state and federal governments. However, Medi-Cal is not an entitlement - you have to qualify to receive benefits. Medi-Cal is a need-based program. In order to qualify, you are limited to the following resource limits: ❑ Cash Reserve: applicant/beneficiary may retain up to $2,000 in liquid assets, e.g., savings, checking, excess cash surrender value of life insurance policies. ❑ Community Spouse Resource Allowance (CSRA): community (at-home) spouse may retain up to $120,900 in liquid assets, not including the home, IRAs and other exempt assets. Most “middle-class” families are told they do not qualify for Medi-Cal because they have too much in assets. What they are not told is that they have a legal right to spend down excess assets to the $2,000 limit ($122,900 if married) in order to become eligible for Medi-Cal. Medi-Cal classifies property as “exempt” and “non-exempt.” Exempt property is not counted in determining eligibility. That means you could be a millionaire and still qualify for Medi-Cal, provided your excess assets are “exempt.” The real secret is how to convert “non-exempt” assets into “exempt” assets. To be continued... Call or email Judd today with your questions:
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• Nearly half of seniors don’t have adequate transportation. If you know you need more social interaction, it’s likely up to you to take steps to fix it, to make the effort to be with others. It might be difficult to step out, but it is possible to develop a social network.
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Office: 760-320-0997 Fax: 760-320-1630 events .laor noito ssdrive eforPothers deifitrwho eC tfdon’t osorchave iM – eaccar. neirepxe sry 03Over revO30 yrs exp. - Microsoft Certified Professional 24/7 Go on group outings. You will enjoy visitEMERGENCY SERVICE ing new places and will meet new people eager s r e n t r a P P E K f o t t e v i r P n e K l l a C at NO to make new friendships. Extra ChargE!
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FREE If you need an attorney as a result of a A big component of serious loneliness caninjury, be If personal there certain youareneed an attorney as a result of a If you need an attorney as a result of a things should serious personal injury, there certain serious personal injury, there arearecertain depression, and it’s important toyou know theconsider. signs. things you should consider. things you should consider. ETHICAL CONDUCT ETHICAL If you’ve been down in the dumps or not feltCONDUCT WeETHICAL feel it is inappropriate for a lawyer or CONDUCT representative We feel it is inappropriate for a lawyer or to contact you as a result of an interested in the things that used to give you We feel itaccident. In fact, unsolicited personal contact is inappropriate for a lawyer is prohibited by the State Bar. The decisionor to representative to contact you as a result of an contactto ancontact attorney is yours yours alone. you asand a result of an pleasure -- and if this has gone onInfor over tworepresentative accident. fact, unsolicited personal contact accident. In fact, contact NOunsolicited FEE RECOVERY is prohibited bydoctor. the State Bar. The decision to UNLESSpersonal weeks -- it’s time to check in with your is prohibited by the State Bar. The decision to This means that you pay no attorney’s feesProperty unless of contact an attorney is yourscontact and yours alone. lawyer either negotiates a settlement with anyour attorney is or yours and yours alone. Discover AdVenture Media, Inc. why other attorneys your approval wins a judgement in court. Sleeping too little or too much, and inability to This method of compensation makes legal throughout California refer their representation available to many who otherwise injury cases to us. not afford it. It also means that if your concentrate also are signs. NO FEE UNLESS RECOVERY NOcould FEE RECOVERY case hasUNLESS merit, you can be well represented by PERSONAL INJURY AND WRONGFUL DEATH CLAIMS 4 Million Readers Weekly Nationwide!
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a qualified attorney. of Coachella Valley • Automobile Accidents This means that you pay no attorney’s fees unless This means that you pay no attorney’s The fees unless Neatest Little attorneys Paper Ever Read • Pedestrian • Slip and Fall other throughout your lawyer either negotiates a settlement with your lawyer either negotiates a settlement withFax: 760.320.1630 * * * • Motorcycle and Bicycle Accidents LOOK BEYOND 760.320.0997 ADVERTISING Discover why other • Birth & Brain Injury • Dog Bites attorneys Discover why other attorneys Ask friends or attorneys you know for references ADVERTISING PROOF your approval or wins a judgement in court. approval or wins a judgement in court. Matilda Charles regrets your that she cannot personCalifornia refer their injury to us. •Asbestoscases Related Lung Cancer of personal injury lawyers, or check with the throughout California All Rights Reserved throughout refer their This method of compensation legal •Medical and Hospital Malpractice refer their California Bar Association. It’smakes the bestCalifornia way to This method of compensation makes legal ally answer reader questions, but will incorporate them Accidents find an ethical, competentDUE: attorney with the trial injury• Construction Final Changes 5:00 p.m.. cases to us. representation available totomany who otherwise injury cases us. PERSONAL INJURY DEATH CLAIMS to many whoexperience otherwise • Product Liability it takes bring your case & toto aWRONGFUL fair into her column whenever possible.representation Send email toavailable columnreconclusion. Beware of the promises and claims • Construction Defect cases could not afford it. It also means that if your Please review carefully. Double check: Phone Number(s) Spelling Prices Hours could not afford it. It also means that ifattorneys your •make some in their ads. ply2@gmail.com. Automobile Accidents • Pedestrian case has merit, you can be well represented by NotedPERSONAL WRONGFUL CLAIMS lecturers for INJURY CaliforniaAND Continuing Education DEATH of the case has merit, you can be well represented by PERSONAL INJURY AND WRONGFUL DEATH CLAIMS Bar; Recipients CAALA Trial Lawyers of the Year Award; Contact your Tidbits representative immediately changes orMembers: corrections. a qualifi ed attorney. FREE CONSULTATION Americanwith Board of Advocates; State Bar •Trial Automobile Accidents • Slip & Fall • Motorcycle & Bicycle Accidents of CA; American Bar Association; Northern, LA County, a qualified attorney. (c) 2017 King Features Synd., Inc. Desert Bar Association: Consumer Attorneys Association Automobile Accidents Our attorneys DO NOT charge for a• consultation. 760-320-0997 Fax: 760-320-1630 of LA (President Elect 1998 - President • Pedestrian • Slip1999-2000); and Fall OUR Office: FIRM LIMITS ITS PRACTICE TO Consumer Attorneys of CA; Association of Trial Lawyers of • Birth & Brain •Motorcycle Dog Bites • Pedestrian • Slip and Fall PERSONAL INJURY MATTERS. WE HAVE THEInjury America; Academy of and Elder Law Attorneys; Panel •National Bicycle Accidents LOOK BEYOND ADVERTISING EXPERIENCE AND DEDICATION IT TAKES TO of Arbitrators, American Arbitration Assoc. REPRESENT YOU. • Motorcycle and Bicycle Accidents LOOK BEYOND ADVERTISING • Birth & Brain Injury • Dog Bites • Asbestos Related Lung Cancer Ask friends or attorneys you know• for references Home and Hospital Consultation 24-Hour Hot Line The Firm holds the highest Legal Ability and General Recommendation Southern California Offi ces • Birth &with Brain • Dog Bites Related Ratings AV (Very High to Preeminent) Martindale-Hubbell Law Directory •Asbestos Lung Cancer Ask friends or attorneys you of know for references personal injury lawyers, orAngeles check theInjury Palm Desert, Orange, Los & Escondido • Medical & Hospital Malpractice www.nordstrom-law.com •Asbestos Related Lung Cancerand Hospital Malpractice •Medical Association. It’s the best way to of personal injury lawyers,California or check Bar with the • Construction Accidents •Medical and Hospital Malpractice (760) 837-1884 • (800) 830-7746 nd an attorney with the trial California Bar Association.fiIt’s theethical, best way to •competent Product Liability • Construction Defect cases 72-960 Fred Waring Dr., Palm Desert, CA 92260 Liability experience takes to bring your case to a fair • Construction Accidents • Product find an ethical, competent attorney withitthe trial claims Liability • Construction Defect cases • Product experience it takes to bringconclusion. your case Beware to a fairof the promises and some attorneys make in their ads.• Construction Defect cases conclusion. Beware of the promises and claims Noted lecturers for California Continuing Education of the some attorneys make in their ads. Bar; Recipients Trial Lawyers of the Year Award; Our attorneys DO NOT charge forEducation aCAALA consultation. FREE CONSULTATION American Board of Trial Members: State Bar Noted lecturers for California Continuing ofAdvocates; the
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• Lonely seniors have a 60 percent increased risk for physical and mental decline. If nothing else, if you experience a medical problem, there is no social network to back you up.
-- monetarily and emotionally --that could have been avoided with training and a little more diligence on the part of the owner. But for some reason, people let their guard down and lower their expectations when it comes to miniature canines. Those who own toy dogs should not be fooled by the mythology. Little dogs need exercise. Little dogs need training. Little dogs have sharp teeth. Little ADVERTISING dogs can bring big trouble. PROOF Tues.,toy 11/22/16 Final Changes DUE: 5:00 Please This is not to say dogs arep.m.. bad dogs. review carefully. Double check: Phone Number(s) Spelling Prices Hours To the Contact contrary, dogs make greator corrections. pets, wonderyour Tidbits toy representative immediately with changes Office: 760-320-0997 email: valleybits@msn.com Fax: 760-320-1630 ful companions and even stellar guard dogs. The difference between worth their weight in gold and twice their weight in trouble is largely up to us. Woof! * * *4c, 13x rate • 1/12th page, Matthew “Uncle Margolis is •Dog Nov.trainer 27, 2016 • Vol. 12: Matty” Issue #49
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The decision to move a family member or loved one into a nursing home is one of the most difficult decisions family members face. At times like these, it is important you understand that there are things you can do.
• More than 40 percent of seniors are frequently lonely -- even those who are married or in a relationship.
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Seniors who live alone often feel lonely. That’s an unfortunate fact. Here are a few more:
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of LA (President ElectTO 1998of- Arbitrators, PresidentAmerican 1999-2000); EXPERIENCE IT TAKES Arbitration Assoc. OUR FIRM LIMITS ITS PRACTICE TOAND DEDICATION Consumer oftakes CA; Association of Trial Lawyers of you. it toLawrepresent REPRESENT YOU. Attorneys PERSONAL INJURY MATTERS. WE HAVEand THE dedication America; National Academy of Elder Attorneys; Panel HomeIT and HospitalTO Consultation • 24-Hour Hot LineArbitration EXPERIENCE AND DEDICATION TAKES of Arbitrators, American Assoc. The Firm holds the highest Legal Ability and General Recommendation The Firm holds the highest Legal Ability and General Recommendation California Offices Ratings AV (Very High to Preeminent) Martindale-Hubbell Law Directory REPRESENT YOU. Southern Ratings AV (Very High to Preeminent) Martindale-Hubbell Law Directory Palm Desert, Orange, Los Angeles & Escondido
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YOUR
SOCIAL SECURITY by Tom Margenau
My Apologies for Another Maximizing Column Q:
I am 68 years old and retired. My wife is 60 and still working. When I was 66, my financial planner advised me to “file and suspend” so that when my wife turns 62, she can claim spousal benefits on my record and let her own continue to grow until she is 70. We are tr ying to maximize our Social Security. But now I’m wondering if I did the right thing. Can you explain the rules to me?
Q:
I am about to turn 66. I’m still working. My 64-year-old wife has been getting her own Social Security since she was 62. Can I file and suspend so that I can claim benefits on my wife’s record now and maximize my own retirement at age 70?
Q:
I see you recently wrote yet another column about Social Security maximizing strategies. I’m going to ask that you please stop doing that. There are so many other important Social Security issues that we need to know about. We DO NOT need to learn any more about the sneaky ways that greedy and selfish geezers can use to claim unintended benefits out of an already financially strained system.
Q:
Please, please, please: No more columns about maximizing one’s Social Security. These so-called “strategies” don’t apply to most of us and we just don’t care to read about them!
Ad Proof: Bram’s These four recent emails I received illus1/12th page, I’ve B&W, 26x over ratethe ($99.00/wk) trate something learned past several years. be •put into13:two Jan.My 15 -readers July 27,can 2017 Vol. #3different - 27 camps. One group would like me to use each and --(Every Other Week)-every column I write to explain Social Security maximizing strategies. The other camp would just as soon I never broach the topic again. So what is a Social Security columnist to do?
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Margenau has the answer. Contact him at thomas.margenau@comcast.net. To find out more about Tom MarDesert Mart Loan and see features from genauJewelry and to read past&columns 1/12 pg 4C 26x rate other Creators Syndicate writers and cartoonists, visit the Creators 1. The Book of 2 Kings is inPlease the a)review Old TesMarch 26, 2017Syndicate Vol. 13 website - No. 13at www.creators.com. carefully. Double check: Phone Number(s) Spelling Prices H
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2. From Genesis 38, who was the first indiOffice: 760-320-0997 vidual killed by God for being wicked? a) Cain b) Er c) Onan d) Jezebel 3. How long had the woman been sick that touched the hem of Jesus' Garment? a) 3 years b) 7 years c) 9 years d) 12 years 4. From 1 Kings 6, who constructed the first altar covered with gold? a) Solomon b) Gideon c) David d) Saul 5. The Year of Jubilee comes around once every ___ years. a) Five b) Twelve c) Forty d) Fifty 6. Which king ordered Daniel into the lion's den? a) Darius b) Nebudchadnezzar c) Cyrus d) Artaxerxes (Answers on page 16) For comments or more Bible Trivia go to www.TriviaGuy.com 2017 KKing ing Features Syndicate Inc. © 2015 Features Synd.,, Inc.
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To paraphrase Abe Lincoln: “I can please some of suspend his own benefits, but allow his nonworkmy readers all of the time and all of my readers ing wife to take spousal benefits on his record some of the time. But I can’t please all of my read- when she came of age. This strategy was actually eliminated last year. But the phrase “file and susers all of the time!” Actually, I went back and checked. Out of pend” lives on -- mostly on the internet. People are always asking me if they can the 52 columns I’ve written over the past year, 11 have been about maximizing strategies. So that “file and suspend.” But what they really mean to means I’ve covered at least 41 other Social Security ask me is if they can “file and restrict.” That is a topics over the past year. (In many columns, I dis- completely different strategy that is also pegged cuss more than one subject.) But there is no ques- for elimination. But it’s still good for another coution that maximizing is by far the most frequently ple years. Anyone turning 66 before Jan. 2, 2020 discussed issue I’ve written about. And that’s pri- can employ that strategy. The “file and restrict” strategy allows one marily because there has been so darn much mis- member of a married couple to claim dependent information spread (mostly on the internet) about husband’s or wife’s benefits on the other spouse’s the topic. And the first two emails illustrate this point. record at age 66 while letting his or her own retireSo for the 12th time in now the last 53 weeks, I’m ment benefits grow -- usually until age 70. So, for example, the second email I mengoing to once again discuss this controversial top- ic. (And I hope the readers in the “no more” camp tioned at the beginning of this column involved a 66-year-old man who has a 64-year-old wife who will forgive me!) For most of the history of the Social Secu- is already getting her own retirement benefits. rity program, the only strategy you really needed He asked if he can “file and suspend.” That’s the to consider was this: Should you take reduced ben- wrong phrase and the wrong strategy. But what efits at 62 (or some other early age) or wait until he can do is “file and restrict.” That means he can your full retirement age (currently 66) to claim full collect 50 percent of his wife’s age 66 retirement benefit until he is 70 years old. At that point, he retirement benefits? Then in 1972, Congress introduced anoth- can switch to 132 percent of his own. The gentleman who wrote the first email er strategy: the idea of delayed retirement credits. The rules have changed over the years, but the law used in this column was advised to “file and suscurrently says you get a two-thirds of one percent pend” when he turned 66. There actually was no credit added to your Social Security check for each real need for him to do that since his wife was not month you delay filing for benefits after age 66. (and still is not) eligible for any benefits on his reThat comes out to an 8 percent bonus per year or a cord. And even if she were old enough, she could 32 percent bonus if you wait until age 70 (the maxi- not do what he was told she could do. She would not have been able to file for spousal benefits at mum age) to file. Then in the 1990s, the Social Security law 62 and save her own until age 70. And because that allowed working seniors to claim full benefits she turns 66 after the Jan. 2, 2020 deadline menat age 66 (the prior age was 72) included some to- tioned earlier, she cannot use the file and restrict tally unintended provisions that allowed seniors to strategy. This couple should forget about all this “maximize” their benefits. One of those provisions maximizing hoopla. The wife simply has to decide came to be called “file and suspend.” This strategy when she wants her own benefits to start. PROOF I just very briefly outlined some very comwas usually employed by a husband who wanted to ADVERTISING WED., MAR. 22 plicated Social Security rules in this column. If 5:00 wait until age 70 to claim the full 32 percent bonus. Final Changes DUE: you want to know more aboutNumber(s) the topic, send an Price But he could file for benefits at 66 andPlease immediately review carefully. Double check: Phone Spelling email to thomas.margenau@comcast.net and ask Contact your Tidbits representative immediately changes me to send you a fact sheet I wrote with called “Whenor correc Office: 760-320-0997 email:Security valleybits@msn.com Fax: 760-32 to take your Social benefits.” * * * If you have a Social Security question, Tom
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causing blinking and twitching. It ranges from occasional and mild to the much more severe and disabling condition you report.
M.D.
Botox Can Ease Blepharospasm DEAR DR. ROACH: I have been contending with blepharospasm for years. I got some relief from Botox for around four years, but then it stopped working and my doctor moved me to Dysport, which was horrible. It did not relax my symptoms, and it made me constantly very uncomfortable (with a feeling that my eyes were swollen all the time). I stopped the treatments and have been able to cope, until the past six months. I am almost unable to read, look at a computer screen or drive. Do you have any suggestions? I use Ativan to try to relax the stress of the blinking, but even that has lost its effect. I have been discouraged from getting a limited myectomy because of the risks. My ophthalmologist said that a neurologist would be a waste of time. I am desperate for another opinion. -- B.B. ANSWER: Blepharospasm is an uncontrollable muscle spasm around the eyes, often
Treatment with botulinum toxin is effective for most people. Botulinum toxin, directly injected into muscle, weakens or paralyzes the muscle. There are three types of botulinum toxin A currently available in the United States: Botox, Dysport and Xeomin, as well as botulinum toxin B (Myobloc). I suspect your ophthalmologist changed brands because of the concern of antibodies your body may have developed to the Botox. I would never say that a neurologist would be a waste of time. Blepharospasm is a limited form of dystonia, and neurologists are the experts in dystonia. The neurologist will have an opinion on trying a different form of botulinum toxin, as well as other treatments. ***
VETERANS POST
IG Uncovers Chaos at VA Medical Center When the Department of Veterans Affairs issues a press release thanking the Office of Inspector General for a fast health care inspection on one of its medical facilities, you know it’s big stuff. Sure enough, the OIG found so many things wrong at the Washington, D.C. facility that it quickly issued an interim report so problems could be addressed immediately. Here are some of the horrors the OIG found as a result of an initial anonymous tip:
DEAR DR. ROACH: I am a 79-year-old male with mild Parkinson’s disease and Type 2 diabetes. I can walk about 10 feet before becoming terribly short of breath and weak. I have been this way for several years, and it has become increasingly worse. Can you help me? -- K.C.
There was no system to ensure that recalled supplies and equipment were not used on patients.
ANSWER: Neither Parkinson’s disease nor Type 2 diabetes explains terrible shortness of breath on mild exertion. Severe shortness of breath can come from serious heart or lung problems (many types) or severe anemia. I can’t help: Get to your doctor right away.
There was no oxygen on a hospital floor during a patient emergency.
***
LONG-TERM CARE
Issue 19
Dr. Roach regrets that he is unable to answer individual letters, but will incorporate them in the column whenever possible. Readers may email questions to ToYourGoodHealth@med.cornell.edu. To view and order health pamphlets, visit www.rbmamall.com, or write to Good Health, 628 Virginia Drive, Orlando, FL 32803. (c) 2017 North America Synd., Inc.
It ran out of bloodlines for dialysis patients and had to borrow from a private hospital; 15 days later it ran out again.
Nursing staff inventoried one storeroom three times a day and continually sent requests for supplies ... that didn’t arrive. Surgeries had to be postponed; others proceeded without required devices. In at least one case, surgical equipment was removed because the vendor hadn’t been paid. Most of the sterile storage areas for supplies were dirty; $150 million in equipment and supplies had not been inventoried in over a year.
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The lease on a 100,000-square foot storage warehouse was due to expire within weeks, and there was no plan for moving the $15 million worth of items, which haven’t been inventoried.
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Four years ago, the facility got 50 handheld scanners to be used to track inventory. As of the OIG inspection, $154,876,092 in materials was missing and not reported. Throughout the inspection, it appears nurses were sending emails to the OIG detailing the problems of missing equipment and supplies. (Picture the nursing staff running from floor to floor searching for emergency equipment!) You can read the whole Interim Report at www.va.gov/oig/pubs/VAOIG-17-02644-202. pdf * * * Freddy Groves regrets that he cannot personally answer reader questions, but will incorporate them into his column whenever possible. Send email to columnreply2@gmail.com.
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that come with standard or stethoscope headphones. Sennheiser makes a variety of quality products with prices running between $130 and $450. Or, for a more affordable solution, consider the Serene Innovations TV Sound Box for $120. This is a wireless amplified TV speaker that would sit near your husband, and provide clear stereo sound from the TV without the need for Wright Capital Group headsets.
1/3 pg BW 26x disc. 7, 2017 Vol. 13 - No. 19 AmplifiedMay telephones:
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DEAR SAVVY SENIOR: What types of products can you recommend to help people with hearing problems? My 65-year-old husband has some hearing issues, but doesn’t think he needs a hearing aid, so I’m looking for some alternative devices that might be of help to him. --Loud Talker
To have clearer phone conversations, there are a wide variety of amplified telephones that offer enhanced volume and tone adjustments, and they usually come with extra loud ringers and flashing ring indicators to alert him when a call is coming in. Some top makers of these products are Clarity, ClearSounds and Serene Innovations, and a top seller today is the Clarity XLC2+ Amplified Phone ($144), which is a cordless phone that provides three tone settings and 50 decibels of amplification.
ADVICE Answers to YOUR Financial, Medicare and Health Insurance questions.
by
Doug Wright, Wright Capital Group, Inc.
Long-Term Care Insurance a Wise Investment for Many DEFINITION of Long-Term Care Insurance (LTC): Coverage that provides nursing-home care, home-health care, personal or adult day care for individuals with a chronic or disabling condition that needs constant supervision.
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If these are too pricy, there are also a number of small hand-held or body-worn amplifiers – like the Williams Sound Pocketalker ($139) and Bellman & Symfon Mino Personal Amplifier ($188) – that have a microphone and headphones or earbuds that are very effective too.
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Long-Term Care is a range of services and supports you may need to meet your personal care needs. Most Long-Term Care is not medical care, but rather assistance Dear Loud Talker: If your husband feels with the basic personal tasks of everyday Alerting devices: he’s not ready for a hearing aid but needs some life, sometimes called Activities of Daily There are also a variety of alerting Please review carefully. Double check: Phone Number(s) Spellingde Prices Hours hearing help, there are dozens of “assistive lisLiving (ADLs). These include bathing, vices that can help people who have trouble tening devices” on the market today that can Contact your Tidbits representative immediately with changes or corrections.dressing, toilet usage, transferring (to or hearing the doorbell, phone, alarm clock, smoke make a big difference. from bed or chair), incontinence and eating. or even weather radio. These products Office: 760-320-0997detector email: valleybits@msn.com Fax: 760-320-1630 use flashing lights, multi-tone ringers or vibrating Assistive listening devices are over-theOther common Long-Term Care sercounter electronic products (they are not FDA ap- devices as a means to alert you. vices and supports are assistance with proved hearing aid devices) that can amplify and Some popular products in this category everyday tasks, sometimes called Instruimprove sound to help your husband in different include: The Bellman & Symfon Care Home mental Activities of Daily Living (IADLs). listening situations. It’s also important to know Alerting Solution that provides door and phone that these products are best suited for people These include housework, managing monnotification with a flashing alert ($198); the Silent with mild to moderate hearing impairment, and ey, taking medication, meal preparation and they usually aren’t covered by insurance or Medi- Call Weather Alert Radio with strobe and bed cleanup, shopping for groceries or clothes, shaker ($165); and the all-in-one Serene Incare. using the telephone or other communicanovations CentralAlert CA-360 Clock/Receiver tion devices, caring for pets, and respondNotification System, which provides alarm clock, Here is a breakdown of some of the difing to emergency alerts such as fire alarms. doorbell, phone, motion and storm warning alerts ferent devices that can help: ($180). How Much Care Will You Need? Personal amplifiers: The level and duration of Long-Term To locate these and any other hearing For better hearing, especially in noisy Care will vary from person to person and loss products visit Harris Communications (Harenvironments, there are personal sound amplifioften change over time. Here are some risComm.com, or call 866-476-9579), which cation products that can be worn in the ear like a statistical averages you should consider: offers more than 2,000 assistive devices and prohearing aid, and are designed to amplify sound Someone turning age 65 today has vides customer support services to assist you. while reducing background noise. Two top rated almost a 70% chance of needing some products to consider that were recently recom type of Long-Term Care services and supmended by Consumer Reports are the Sound*** Send your senior questions to: Savvy ports in their remaining years World Solutions CS50+ and the Etymotic Bean. Senior, P.O. Box 5443, Norman, OK 73070, or visit Women need care longer (3.7 SavvySenior.org. Jim Miller is a contributor to the NBC The CS50+, which costs $350, looks like years) than men (2.2 years) Today show and author of “The Savvy Senior” book. a Bluetooth cell phone headset, and has cus Tables show that, overall, more peoProperty of AdVenture Media, Inc. tomizable settings that can be programed with ple use Long-Term Care services at home a smartphone. The Etymotic Bean, which costs than in facilities, and for longer periods. ���������� by Linda Thistle $399 a pair or $214 for one, is ready to use right FREE out of the box and is best suited for those with of Coachella Valley Important facts to know: The idea of Go Figure! is to arrive at the figures given The Neatest Little Paper Ever Read high-frequency hearing loss. 760.320.0997 Fax:columns 760.320.1630 at Phone: the bottom and right-hand of the diagram The longer you wait, the older you ALL RIGHTS RESERVED ©2005
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by followingvalleybits@msn.com the arithmetic signs in the order they are given (that is, from left to right and top to bottom). Use All Rights Reserved only the numbers below the diagram to complete its blank squares and use each of the nine numbers only once.
TV amplifiers: To hear the television better, there are TV listening devices that will let your husband increase the volume and adjust the tone to meet his needs, without blasting you out of the room.
get, the more expensive and difficult it becomes to get. Another way to structure Long-Term Care policy premiums are through annuitizing your annuity. All your great planning and lifelong savings can be severely impacted or wiped out if you or your loved ones were to ever need Long-Term Care services but have no coverage for protection. I can help! Call me for a free quote. ***
Reference material from LongTermCare.gov and U.S. Department of Health and Human Services.
Some of the best options include wireless infrared, radio frequency or Bluetooth devices
“The Wright Advice” is a weekly column about YOUR Financial, Medicare and Health Insurance, by Doug Wright of Wright Capital Group, Inc. Call or email Doug with your questions:
“The strongest reason for the people to retain the right to keep and bear arms is, as a last resort, to protect themselves against tyranny in government.” -- Thomas Jefferson
• phone: 760-264-4600
• email: Doug@WrightIncome.com
www.wrightincome.com King Features Inc. Synd. © 2006 King©2017 Features Syndicate,
(Answers on page 16)
Local Coachella Valley resident Doug Wright has served the financial and health insurance industry for 32 years. CA Insurance License # 0K90593
Tidbits of Coachella Valley
Page 14
by Anne McCollam
Porcelain Vase Stars Grecian Maidens Q:
Enclosed is a photo of a porcelain Limoges vase that has been in our family for well over 50 years. It was given to a relative who had been assisting a dear friend. On the base is the mark “Limoges -- France” with a star in the center. The vase is hand-painted, and approximately 10 inches high and 9 inches wide. Each side is decorated with a young woman with blonde hair wearing a Grecian-like gown. Gold leaf is generously applied on the edges and both handles. It is in good condition; there are no chips or cracks, but there is some wear on the handles. I n Latrille Freres produced porcelain current in Limoges, France. years, we have wondered about its origin, background and approximate value. Any information would be most appreciated.
A:
The mark you described was used by Latrille Freres. It produced porcelain in a factory in an old abbey in Limoges, France, from 1899 to 1913. Hand-painted porcelain decorated with classic scenes of ancient Greece was popular in the late 1800s and early 1900s. Your vase would probably be worth $225 to $275.
Q:
I have a set of dishes that belonged to my aunt. Each piece is marked with the enclosed mark. My aunt purchased the set in 1936. She paid $25 for the entire ser vice for 12, including all the ser ving pieces. Each dish is decorated with a cream background and roses in the center. The
Puzzle Solutions
border is embellished with a 24-karat gold lacey design. I am her goddaughter, and she gave me the set when she went into an assisted-living facility. They are placed in my china cabinet, and I rarely take them out because I don’t know whether they are too valuable to use. I have researched online and found some information on Sebring China Co., but I hope you can provide more about the histor y and value of my dishes.
A:
Sebring Sebring China Co. often China Co. made semiused the shape of Ohio in vitreous pottery from its trademarks. 1887 to 1948. First, it was located in East Liverpool, Ohio, and then in Sebring, Ohio. “Pegasus” is the name of the basic shape of the dishes, and it was decorated with a variety of patterns. “Royal Delight” is the pattern of your set; it was made from the 1930s to the 1940s. The mark with the outline of the state of Ohio was often used on Sebring China Co. dishes. Similar sets of dinnerware made by Sebring China Co. can be found selling in the range of $200 to $250. * * * Address your questions to Anne McCollam, P. O.
Box 247, Notre Dame, IN 46556. Items of a general interest will be answered in this column. Due to the volume of inquiries, she cannot answer individual letters. To find out more about Anne McCollam and read features by other Creators Syndicate writers and cartoonists, visit the Creators Syndicate website at www.creators.com. COPYRIGHT 2017 CREATORS.COM
Vol. XIII Issue 19
* On May 11, 1864, at the Battle of Yellow Tavern near Richmond, Virginia, a Union trooper fatally wounds Confederate Gen. J.E.B. Stuart, who dies the next day. Stuart’s leadership helped the Confederates maintain a superior cavalry force in Virginia for most of the war. * On May 14, 1913, in Sportsman Park, Illinois, Washington Senators pitcher Walter Johnson throws his 54th consecutive scoreless inning. Johnson’s record stood for 55 years until Don Drysdale of the Los Angeles Dodgers pitched 58 and 2/3 innings without allowing a run. * On May 12, 1932, more than two months after he was kidnapped, the body of aviation hero Charles Lindbergh’s baby is found less than a mile from his family’s home in Hopewell, New Jersey. Although Lindbergh received two ransom notes, his son had been killed the night of the kidnapping. * On May 8, 1945, both Great Britain and the United States celebrate Victory in Europe Day. Both nations, as well as formerly occupied countries in Western Europe, rejoiced in the defeat of the Nazi war machine, when German troops throughout Europe laid down their arms. * On May 9, 1960, the Food and Drug Administration approves Enovid-10, the world’s first commercially produced birth-control pill. Development of “the pill” was first commissioned by birth-control pioneer Margaret Sanger and funded by heiress Katherine McCormick. * On May 13, 1972, a fire at the Playtown Cabaret in Osaka, Japan, kills 118 people. An electrician three floors below in a department store inadvertently set off a fire that reached some oil-soaked rags in a nearby storage room and climbed the elevator shafts. * On May 10, 1980, the U.S. Treasury announces the approval of $1.5 billion in federal loan guarantees for the nearly bankrupt Chrysler Corporation. At the time, it was the largest rescue package ever granted by the U.S. government to an American corporation. (c) 2017 King Features Synd., Inc.
Tidbits of Coachella Valley
Week of May 7, 2017
Animal Habits:
Page 15
(from page page 3)
accuracy. The interloper is soon covered with fieldfare feces, convincing it to leave the area. • The fulmar looks like a big seagull. Its name means “foul gull” because of its habit of vomiting on predators. The vomit is yellow, oily, smelly, and dries quickly. Once it’s dried on the feathers of a predatory bird, it greatly inhibits the bird’s ability to fly. The fulmar's vomit can be projected with precision accuracy. A newly hatched fulmar just four days old can projectile vomit up to 18 inches, and mature birds can easily reach four times that distance. Ospreys, eagles, and skuas trying to raid an unattended fulmar nest are showered with this repulsive goo and quickly learn to stay away. • Most dogs instinctively mark their territory with squirts of urine. Hyenas in the Kalahari Desert do the same thing, but they use two types of oil excreted from glands in the anus. One is a white paste that remains repulsively smelly for weeks. This is a chemical warning to other hyenas that the territory is spoken for. The other is a black oily bead with a pungent odor that lasts for only a few hours. The latter is a message to other hyenas outside their clan that the area has recently been patrolled. If the black bead still stinks, other hyenas know it’s been visited recently and there’s probably no food around. If the smell is fading, they know it’s worth having another look around. • The Sonoran coral snake and the western hooknose snake share two things in common: first, they are too small to scare away larger predators, and second, they have each developed a method of scaring them away by farting loudly. It’s not that the wind they produce smells bad, but that it’s so loud. The snakes use special muscles that compress a large pocket of air that they are able to force out suddenly when danger is near. The trumpeting flutterblast sounds like it came from a much larger and more imposing animal, and startled predators will quickly retreat.
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Game Changers by Jason Jenkins
Floating Finish The lob shot that needs to land softly has been one of the most sought after game changers in amateur golf. While having a high lofted club has made this shot much easier, golfers still struggle with the techniques that top players use with seemingly ease and comfort. The follow through or finish on these floating shots requires the left arm to fold, and the left wrist to hinge while the palm stays facing downward. Just the opposite of what’s desired on a normal full swing. The attempt is to prevent any clubface rotation through impact by preventing the hands and forearms from rotating. The arms must “saw” or appear to retract after impact rather than extending like other pitch shots. Sometimes the grip end will finish closer to your body than its address distance. Notice the ADVERTISING PROOF clubface is “open” or Finalpointing Changes DUE:at the finish as well. 5:00 skyward
How many have paid good money for a ticket to a horror film, only to cover • How been very since little you’ve their long eyes has andit“see” of used it? a ENDANGERED SIGHTS & SOUNDS (cont’d):
typewriter eraser? Or, if you’re younger, have you moved your belongings into a long-unused HAPPY FROM TIDBITS! desk, onlyHALLOWEEN to find a strange-looking gadget with fiber-like hairs bushing out of one end? What SCARY MOVIES you’ve foundbyisRyan a typewriter Toepfer eraser. Usually shaped likejust a pencil, tiphaving was made of an Some people seem tothe love the living especially-abrasive to daylights scared out ofrubber, them.which Why was else used would “erase” typing error. Thebeother end featured horror and the suspense movies so popular? To a small brush made of stiff plastic strands that celebrate Halloween, Tidbits goes behind the wasof used to sweep remnants of the erasure scenes some classicthe thrillers. off the page. • When Alfred Hitchcock purchased the film • rights There’s shortage litter on theupground tofornoPsycho, heofalso bought as many day, butofthankfully, wenovel no longer discarded copies the original as heseecould find, pull-tabs. The tabs on older easy-open beverage hoping to keep the story’s ending a secret. cans pulled completely off the can. People who • The famous shower Psycho wasdodging filmed walked in bare feetscene wereofconstantly using double for Norman Bates, as Anthony these acarelessly-dropped metal hazards. Perkins was appearing in a play (Greenwillow) • in The rhythmic “beep” scanner is the New York at the time.of Thethefirst time Perkins musical saw accompaniment the at supermarket actually that scene wastoback the studio, checkout line. But if you’ve ever wondered watching the daily “rushes,” and he said he was where the cliché of saying “ka-ching!” in rejust as scared as everyone else. lation to money comes from, that’s the sound • Take a close look electric, at Michael mask in that the old-style not Myers’ electronic, cash the 1978 camp Halloween. Does registers made.classic Cashiers of that era hadthe to face look familiar? The movie was filmed on manually punch a series of buttons to ring up such tight budget, that the department your apurchase, followed byprop a smack of the had to make do with what they had. For Myers’ “total” button with the heel of the hand. disguise, they used an old Captain Kirk (Star • “Do you want your carbons?” used to be an Trek) mask, which they spray painted white and automatic question asked by merchants after then re-shaped the eyeholes. you’d signed for a credit card payment. At that turn the page for more! time, credit card receipts were filled out by hand in triplicate, with a small piece of carbon paper inserted between each sheet. It didn’t take long for thieves to realize they could retrieve the used carbons from the trash and steal valuable credit card information. Once that scam gained popularity, waiters and cashiers regularly offered the carbons to customers, giving them the opportunity to destroy them.
Play Better Golf with JACK NICKLAUS
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6. (A) Darius
ers lie flat during swallowing 2. 14,000 species feed on blood
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