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instead, short for Canada Oil, Low Acid.
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• NASDAQ is the National Association of Securities Dealers Automated Quotations.
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Misused Words (from page one)
have even given “irregardless” an entry because its continued misuse has become so common. This technically makes it an official word, even though its use is considered incorrect and “nonstandard.”
in 1901, and could make a cup of coffee in about 45 seconds. • Lots of folks don’t know the difference between “affect” and “effect.” If something affects you, it might upset you, move you, touch you emotionally, or distress you. In other words, it may have an effect on you, in the form of consequences, influence, or outcome. “Affect” is a verb, and in most cases, “effect” is a noun. However, to further confuse the issue, “effect” can also be a verb, when it means something that causes, provokes, or brings about a result. Got that? • Now and then in a written communication, you might see the words, “It didn’t even phase me.” What the writer is really trying to convey is, “It didn’t even faze me,” meaning something didn’t discourage or surprise the writer at all. • How many times have you heard someone say, “I could care less about that”? That means the person is actually saying he or she could care less. If one is really at the lowest level of caring about something, he or she should really say, “I couldn’t care less about that!”Feb. 16, 2021 TUES.,
Page 3
reigns over the United Kingdom. It can also mean to dominate or control, such as a winning by team “reigning supreme” in the NFL.
Q
• The maximum amount of time after an event within which legal proceedings may be initiated is known as the statute of limitations. You’d be surprised by how many folks think it’s a statue of limitations! When the period of time passes, the courts no longer have jurisdiction and a claim may no longer be filed. Those crimes that are considered heinous, such as murder, have no statute of limitations.
1. W s m s
• If someone refers to something as being a moot point, it might mean that it’s unimportant, not worth talking about, or inconsequential. Or it might be a question that no one will ever be able to answer. However, if that person calls it a mute point, it’s incorrect usage. “Mute” means “silent,” and it rhymes with “cute.” “Moot” rhymes with boot, and means it does not apply • If you ask your friend how his son performed at ADVERTISING PROOF to the situation being discussed. the school track meet, and he answers, “He did •
2. W tr Friday, ‘21 115:00 If you have a good friend who is available Misused Words:JAN. Turn 8, to page FinaltoChanges DUE: help you out at any time, he Please or she is at your review carefully. Double check: Phone Number(s) Spelling Pr f “beck and call,” not “beck on call,” a phrase your Tidbits representative immediately with changes or corr s that is frequently misused. And Contact if you did 760-320-0997 email: valleybits@msn.com something you didn’t mean to do, Office: it was “by” Q UIZ BITS Fax: 760����������������������
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Page 4
Everyday CHEAPSKATE
®
by Mary Hunt
By Lucie Winborne
* Ladies, before you put a ring on it, you might want to consider that a survey of 17,000 people across 28 countries found that the amount of time a man spends doing chores on a weekly basis decreases significantly after he marries.
7 Places to Look for Free Money
A few years ago, I received a fun letter from a reader who developed a hobby of look® ing for money in gutters, parking lots, streets, sidewalks and other public places. And he keeps by Mary Hunt a running tab. He included a copy of his “free* The name for the shape of a Pringles potato chip is “hyperbolic paraboloid.” money journal” from the previous year. Recently, he sent an update that shows * In 1862, the King of Siam offered he is now averaging nearly $50 a month. Not Abraham Lincoln many elephants on bad! But I couldn’t help but wonder how his paythe grounds that a “country as great as off might climb if he knew about other places that the United States should not be without harbor free money. elephants.” President Lincoln politely declined. JEWELRY BOX Not long ago, I toured my jewelry box. * The stage before frostbite is called -What a hoot! I found one gold chain now in wait for it -- frostnip. pieces, a bracelet and several orphaned earrings -- all of it gold from the ‘80s that I don’t wear any* Boeing uses potatoes to test their more. Something tells me you might find somein-flight Wi-Fi, as they reflect and absorb the signals in a fashion similar to thing similar if you go through your drawers and humans. The process is called Synthetic old jewelry boxes. Provided what you have is at Personnel Using Dialectic Substitution, least 10-karat gold (but not gold-plated), it’s like or SPUDS. cash -- free money. Go in person to three jewelry stores or local coin shops to see what they’ll pay * The first roller coaster was used to you for it, and then go with the highest bid. Never transport coal down a hill. After people mail your junk gold to a “gold dealer.” found that it could reach speeds up to 50 mph, tourists started asking to ride on it VENDING MACHINES for a few cents. Start paying attention to vending machine coin return compartments. Most machines have * A flower that smells like chocolate? a clear plastic coin return, which makes it easy Yep, but you’ll have to limit your enjoyto see what’s in there. And winter is the best time ment of this dark-red Mexican native to sniffing, as the “cosmos atrosanguineus,” to clean up coins, as people are often wearing or “chocolate cosmos,” isn’t edible. gloves and don’t feel the coins they leave behind. Because there is no way to find that unfor* In 2014, a missing woman on vacatunate person, it’s finders keepers -- free money. tion in Iceland was found when it was The same goes for ATMs. discovered that she was in the search party looking for herself! JUNK DRAWER If your home is like 99% of all the homes * Donkey Kong got his curious moniker on earth, you have at least one junk drawer. Go because his creator, Shigeru Miyamoto, on a gift-card hunt. It’s easy to call the number believed “donkey” meant “stupid” in Engon the back of the card to find out how much lish and wanted to convey the impression value remains. That’s free money being held ADVERTISING PROOF that the character was a “stupid ape.” hostage in plastic. Use5:00 it, or you may lose it. *** Final Changes DUE: p.m.. ThoughtPlease for the Day:carefully. “By walking review Doubleon check: Phone Number(s) Spelling Prices Hours the right path, you create a Tidbits goldenrepresentative fate MATURED BONDS Contact your immediately with changes or corrections. for yourself andOffice: you also become a silver 760-320-0997 email: valleybits@msn.com Fax:billion 760-320-1630 More than $27 worth of U.S. savlining for the others!” ings bonds have matured and are sitting un-- Mehmet Murat ildan claimed by their owners as of December 2020, reports the U.S. Treasury. The department’s (c) 2021 King Features Synd., Inc. “Treasury hunt” search engine at https://www. •1/8th page • Full Color • -21% Discount (Publisher’s Option) TreasuryDirect.gov lets you use your Social December 6, 2020 Vol. 16 - No. 50 Security number to search for matured bonds.
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Vol. XVII Issue 11
PENSION FUNDS Is it possible that you or someone in your family worked for a company that had a pension plan and then terminated it because the company went bankrupt or was bought out by another company? You or that loved one, even if now deceased, may be eligible to receive benefits from the Pension Benefit Guaranty Corporation, which is an agency of the U.S. government. The corporation is currently holding about $400 million in unclaimed benefits for more than 80,000 people. That averages nearly $5,000 per person. To see if you might have anything coming your way, you can perform a search at “Finding a Lost Pension” on the Pension Benefit Guaranty Corporation site. UNCLAIMED ASSETS You or someone in your family may be missing money because you lost track of a refund, rebate, security deposit, insurance dividend or proceeds from a class action suit. It happens. To search online, check out this U.S. government site as well as https://www.unclaimed. org (scroll down to find the U.S. map, and then click on individual states to go to that state’s unclaimed property webpage) and https://www. missingmoney.com. You should not have to pay upfront fees to reclaim assets, so should you click on an ad that requires payment, don’t let that tempt you. You can do this search on your own without paying others for doing the same thing. TREASURE HUNTING Now just might be a good time to dust off that metal detector you got for your birthday however many years ago. Ha! If you were not that fortunate, don’t worry. For under $75, you can pick up a decent metal detector. Metal detecting is a fun hobby where the more you participate, the luckier you’ll get. Want to get serious about it? Join a club. Find other enthusiasts. And make sure you keep a journal of your successes. Check out the Kellyco detectors website. There you’ll find a treasure trove of community and detecting how-tos, where to hunt, forums and just plain free-money fun. * * * This column will answer questions of general interest, but letters cannot be answered individually. Mary Hunt is the founder of EverydayCheapskate. com, a frugal living blog, and the author of the book “Debt-Proof Living.” COPYRIGHT 2021 CREATORS.COM
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Tidbits of Coachella Valley
Week of March 7, 2021
• The bottom dropped out of the market with the start of World War I, leaving ostrich farmers with many hungry birds and no market. Also to blame was the change in hat fashions due to the advent of the automobile. It’s hard to keep tall, poofy feathers looking classy and nice when entering and exiting the door of a car.
OSTRICH FACTS
• In the late 1800s when ostrich feathers were all the rage on ladies’ hats, a man named Charles Sketchley arrived in America loaded with 22 ostriches in crates. He announced that he was going to set up an ostrich farm in America in order to avoid having to pay high import fees and shipping charges for his goods. He took on a partner and set up an ostrich ranch in California. They made almost as much income from charging visitors 50¢ each to view the birds as they did from selling feathers. • But this caused problems. Tourists regularly tried to pull feathers off the birds, broke locks on their pens, tried to steal eggs, and frightened the birds with their dogs. Because ostriches are attracted to bright shiny objects, the curious birds caused legal problems by snatching jewelry, watches, chains, and stickpins from unsuspecting onlookers who would get too close to them. In frustration, the admission price was finally raised to $25 per person, which quickly ended the problem.
• Ostrich eggs weigh about three pounds and look and taste much like chicken eggs. In comparison, ostrich eggs have a much higher portion of polyunsaturated fatty acids,Repairs a desirable addition Ultimate Home to ourBusiness diet. One ostrich egg is the equivelant of Card, 4c, 26x Discount Rate 24 chicken June 30,eggs. 2019• Volume 15: Issue #27
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CLIP AND SAVE • The ostrich is the largest bird in the world at PROFESSIONAL Reliable Expert Final 5:0 eight feet tall weighing up to 350 lbs. The Changes DUE: MON., NOV. 30 Handyman Services Please review carefully. Double check: Phone Number(s) Spelling P bee hummingbird is the smallest. One ostrich Repairing Desert and Homes for over home repair 18 with changes or cor weighs as much as 48,000 bee hummingbirds. Contact your Tidbits representative immediatelyyears! Plumbing • Carpentry • Electrical • Painting
Property of • Three to five female ostriches will share a single AdVenture Inc. Fans Drywall • Vanities • Cabinets •Media, Ceiling Office: 760-320-0997 email: valleybits@msn.com Fax: 760 Flooring • Laminate • Tile • Showers • Stucco mate and a single nest. They all lay their eggs Concrete • Pet Doors • Appliance Installs • MORE! FREE in a big nest, which is then protected by the Phone: 760.320.0997 Fax: 760.320.1630 10% “Our repeat PROOF dominant hen during the day and the male ADVERTISING at valleybits@msn.com SE NIO R customers make our DISCOUNT All Rights Reserved business thrive!” night. An ostrich can only incubate about 20Brian3-31-21 Henderson ADVERTISING PROOF Final Changes DUE: CALL d Johnson5:00 FREE icharp.m.. , eggs at a time. All the surplus eggs eventually1/12 pg -R5:00 760. 347.9485 BW 26x disc. TODAY: Final Changes DUE: Estimates -ownerPlease review carefully.Please Double check: Phone Number(s) Spelling Pric review carefully. Double check: Phone Number(s) Spelling Prices Hours UltimateHomeRepair.net Bonded & Insured, not a licensed GC fall out of the nest, where they perish. But anDec. 6, 2020 Vol. 16 - No. 50 Contact your Tidbits representative immediately with changes or corrections. ostrich never intentionally pushes her own your eggs TidbitsOffice: Contact representative changes or correc 760-320-0997 email:immediately valleybits@msn.com with Fax: 760-320-1630 out of the nest. Office: 760-320-0997 email: valleybits@msn.com Fax: 760-3 DID YOU ENROLL IN THE RIGHT • Ostriches have an odd habit of kidnapping other ostrich’s chicks and raising them as their own. CLIP AND SAVE Any time they have the opportunity, an ostrich will run another ostrich off the nest, then hustle For 2021 all its chicks over to its own nest. The brood may Let me work with you to find the RIGHT supplement be stolen back by the original ostrich, or a third plan for your specific situation. I have over a decade partyPlease may make offcarefully. with the Double batch. This review check:chick Phone Number(s) Spelling Prices navigate Hours the of experience making it easy for folks to napping goes on and on until a dominant ostrich Medicare Supplement maze. I’ll help you keep the Contact your Tidbits immediately with changes or corrections. is caring for a huge brood of representative chicks, with its most money in your pockets! SAVE MY NUMBER! I AM ABLE TO own chicks mixed into the bunch. It's theorized Office: 760-320-0997 email: valleybits@msn.com Fax: Agent. 760-320-1630 100% Independent CHANGE YOUR SUPPLEMENT PLA that they may do this to provide protection for N My loyalty is to you, not a ALL YEAR LONG particular insurance company. FREE BEYOND THE their own chicks. If a predator kills some chicks, OPEN ENROLLMENT their own offspring are more likely to survive if PERIOD! I work with ALL they are among so many others. 4 Million Readers Weekly Nationwide!
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• Each ostrich yielded about a pound and a half of feathers annually, which sold for $20 to $30 per pound. Breeding chicks sold for $800 a pair to • Most birds hop while on the ground, but ostriches people interested in raising ostriches. By 1911, run, with 15-foot strides. An ostrich can run 50 there were over 6,000 breeding ostriches in the LifeStream Blood Bank mph, which is faster than many birds can fly. ADVERTISING PROOF US, yet they were still unable to keep up with 1/4 pg. [Converted from Back Pg. layout] • They don’t cheep and chirp like most birds do. high demand for the feathers. MON., JUNE 8 - Comp inal Changes DUE: 5:00PSA p.m.. Instead, they vocalize with a loud, raspy roar view carefully. Double check: Phone Number(s) Spelling HoursVol. 16 - No. 28 • One ambitious ostrich rancher bought100 birds Prices Julywith 5,2020 a strange hissing noise mixed in. Arizona and hiredimmediately cowboys to herd themortocorrections. tact yourin Tidbits representative with changes • Ostriches can live up to 70 years. their new home in valleybits@msn.com California. No one toldFax: him760-320-1630 e: 760-320-0997 email: ostriches completely lack the herding instinct present in most livestock. Once they hit the open Glossydesert, - Women’s the birdsBoutique scattered in every direction and 1/8 pg.most BWwere 13x never recaptured. June 14, 2020 Vol. 16 - No. 25
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Vol. XVII Issue 11
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Week of March 7, 2021
Tidbits of Coachella Valley
NEXT WEEK in TIDBITS RIDES THE
Cody’s Corner
2.
1.
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Dog Talk with Uncle Matty By Matthew Margolis 3. The Weekly “Brain Breaker”
The Thrill of the Chase
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From where the dog sits, there’s not much that beats the thrill of the chase. It’s in their blood -the prey drive, the chase instinct. It’s an urge once ADVERTISING PROOF 3/7 Girl Scout 2/7 Changes Super BowlSunday Sunday Fri., 8/24/18 Final DUE: 5:00 p.m.. based on survival, one passed on from the dog’s Please review carefully. Double check: Phone Number(s) Spelling Prices Hours early brethren: the wolf. 3/8 Day 2/8 International National BoyWomen's Scouts Day But times have changed. For the African Contact your Tidbits representative immediately with changes or corrections. Office: 760-320-0997 email:Itvalleybits@msn.com Fax: 760-320-1630 3/9 Get Over Day spotted dog, also known as the painted wolf, the 2/9 National Pizza Day chase is still wrapped up in the kill, or survival. For 3/10 Army DayDay 2/10 Salvation National Umbrella your dog and my dog, the thing most likely to be 3/11 Fill Your Stapler Day killed by the chase is your dog or my dog. Garage 2/11 Nat'lClassic Don't Cry Over Doors Spilled Milk Day As humans, we are blessed with the ability • Business Card, Spot Color, 26x discount rate 3/10 a Flower Day 2/12 Plant National Hug Day to connect dots, to weigh possibilities, to foresee • Oct. 9, 2018 - March 10, 2019 3/11 a Good Samaritan consequences. And yet so many of us fail to con• Volume 14: #37 15: #11 2/13 Be World Radio Day- Vol.Day sider the consequences of our dogs running loose in an increasingly close and crowded world. It’s thought that hundreds of thousands of dogs are killed on U.S. roads every year. Liberal #1 In estimates reach a million. Some of these dogs were We Service ALL Makes & Models! Customer Service! strays. Some were even wild. But many were chas• Broken Springs & Cables • Rollers • Wind Damage Repair • Bent Tracks ing balls tossed by their owners, or taking advanSENIOR OPENER REPAIRS & REMOTES tage of an open front door, or freely wandering Discounts! • Replacement Panels & Glass Windows ADVERTISING PROOF their neighborhood as they were permitted to do Property of Serving the entire AdVenture ValleyInc. & Morongo Basin TUNE UP Final Changes DUE: CoachellaMedia, 5:00 p.m.. day after day. SPECIAL SALES Prices Hours Please review carefully. CLASSIC Double check: Phone Number(s) Spelling GARAGE I’ve known dogs who were permanently FREEor corrections. SERVICE & immediately $ your Tidbits Contact representative with changes DOORS OPENERS maimed by a run-in with a car. I’ve seen dogs hit by Phone: Fax: 760.320.1630 INSTALLATION Office:per760-320-0997 email:760.320.0997 valleybits@msn.com Fax: 760-320-1630 CALL door valleybits@msn.com Gene Bambusch TODAY! 760.578.9046 cars right before my eyes. One such dog was in an All Rights Reserved open garage with his owner when a dog on a leash, out for a run with his owner who was on a bicycle, trotted across his sightline. The scene was irresistible to the unleashed dog, and he ran smack into an SUV. The dog’s owner was in shock. The driver was hysterical. The dog was lucky. He survived. The other incidents I’ve witnessed did not turn out so well. But it’s not just dogs who get hurt in these stories. When people driving cars see dogs loose in the street, they swerve, they slam on their brakes, they do what they can to avoid hitting the dog. In doing so, they bring injury to themselves and othProperty of ers in the form of traffic accidents and collisions AdVenture Media, Inc. with joggers, cyclists, pedestrians and other ani(CryptoQuip Solution on page 10) FREE mals on sidewalks or in intersections. Phone: 760.320.0997 Fax: 760.320.1630 There have also been legal cases where a valleybits@msn.com
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Vol. XVII Issue 11
here are a few websites that list by category Cody’s Corner (from page 7) dozens or hundreds of items made here: I Buy American Store (www.ibuyameri- loose dog chased a person into the street, and that person was then hit by a car. It is the owner, not by Matilda Charles canstore.com). the dog, who is sued -- and possibly charged -- in © King Features Synd., Inc. Made in America Store (madeinameriADVERTISING PROOFthose instances. For most of us, being the cause of castore.com). the death of a person is a huge burden to shoulder, MON., JAN 4 Final Changes DUE: 5:00 p.m.. Clark Howard (clark.com). Put “Made regardless of whether the offense is determined ADVERTISING PROOF Please review carefully. Doublein check: Phone Number(s) Prices Hours in America” the search box and look forSpelling 100- punishable by law. Final Changes DUE: 5:00 p.m.. And plus brands made in the U.S.A. Contact your Tidbits representative immediately with changes or corrections. being the cause of the death of your Please review carefully. Double check: Phone Number(s) Spelling Prices Hours own dog is no easier to bear. When a domestic dog homework before you place Fax: an Office: 760-320-0997 Do your email: valleybits@msn.com 760-320-1630 is killed by a car, it almost always could have been order. Call the individual manufacturer to verify representative immediately with changes or corrections. Have you given any thoughtContact to just your how Tidbits prevented. that the items indeed made in America. much financial clout we seniors have? Not beOffice: 760-320-0997 email:are valleybits@msn.com Fax: 760-320-1630 To dramatically increase the odds that We seniors truly do have financial clout. cause we necessarily have a lot of money, but you’ll never have to feel the painful regret that Let's make it count in our own home turf. because there are so many of us. We're living comes with losing a dog this way, take these simple longer than ever before. As a “silver block” we steps: * * * Matilda Charles regrets that she cannot personally --Add a screen door to any doorway that can make some changes. And with every day PS PLUMBING EXPERTS answer reader questions, but will incorporate them into her opens to a road or unsecured area. that passes, more and more people join our BZ 1C 13x ADVERTISING column whenever possible. Send email to PROOF columnreply2@ --Secure any yard the dog spends time in gmail.com. group. January 10, 2021 Vol. 17 -No.MON., 3 JULY 6 Final Changes DUE: 5:00 p.m.. with a fence he cannot jump over or otherwise get (c) 2021 King Features Synd., Inc. Shopping locally has immediate benreview carefully. Double check: Phone Number(s) Spelling around. Prices Hours efits close to home. According toPlease the Small --Keep your dog on a leash whenever he Business Administration, for every $100 spentyour Tidbits representative immediately with changes or corrections. Contact Fri., isn’t Sept.inside 11, 2020 your home or in a secure yard. If his locally, $48 of it stays in the community. At a 760-320-0997 Office: email: valleybits@msn.com Fax: 760-320-1630 leash attaches to a collar, make sure the collar fits Please review carefully. Double check: Phone Number(s) Spelling Prices Hours big-box chain store, only $14 stays in town. properly: loose enough to breathe comfortably, but Consider that every local purchase you not so loose that heorcan slip out of it. Contact your Tidbits representative immediately with changes corrections. make might actually be the one that keeps a --Teach your dog the “stay” and “place” Professional Plumbing Family Owned Office: 760-320-0997 email: valleybits@msn.com Fax:760-320-1630 Please review carefully. Double check: Phone Number(s) Spelling Prices & Operated Services for 30 Years commands. “Place” should bea Hours good six feet from neighbor employed as small businesses strugRichard Bigley Computer Services & Repair the door. gle to stay open. Foods that are made locally1/16 pg BW Contact 24-Hr. Emergency Service immediately with changes or corrections. your Tidbits representative 26x Disc. In Africa, the chase still has its place. Out will be in your hands when they’re fresher. July 12, 2020 Vol. 16 - No. 29 Office: 760-320-0997 email: valleybits@msn.com Fax: 760-320-1630 of Africa, the chase, wild and unbounded, is better And you’re likely to get better service and free gone to the wolves. delivery from a local business that’s grateful for Woof! El Paseo Exchange c/o Michael Jacobs ADVERTISING PROOF your order. BW 13x Final Changes DUE:BZ Property 5:00 p.m.. Check a list of stores in your area to Dog trainer Matthew “Uncle Matty” Margolis is 4, of2020•Spelling Vol. 16Prices - No. Hours 41 Please review carefully. Double check:October Phone Number(s) see if they have websites. If not, call and ask AdVenture Media, Inc. the co-author of 18 books about dogs, a behaviorist, a popuContact your Tidbits representative immediately with changes Windows and Mac or corrections. lar radio and television guest, and the host of the PBS series how orders are placed. of Office: 760-320-0997 email:Property Fax: 760-320-1630“WOOF! It’s a Dog’s Life!” Read all of Uncle Matty’s columns valleybits@msn.com Desktop and Laptop Service Look for local farmers who sell their AdVenture Media, Inc. System installs & Upgrades at www.creators.com, and visit him at www.unclematty.com. FREE of Coachella Valley products at farmers markets. Call local appli Printer & Router Setup COPYRIGHT 2012 CREATORS.COM The Neatest Little Paper Ever Read Phone: 760.320.0997 Fax: 760.320.1630 System Optimization ance dealers before your next big purchase. valleybits@msn.com RATED #1 FREE ADVERTISING PROOF Resolve Browser Issues of Coachella Valley IN THE ! Contact bakeries, shoe stores, and toy, pet Microsoft Office Training COACHELLA S! EN The Neatest Little Paper Ever Read 1/11/21 All Rights Reserved WANT WE WANT YOUR Phone: 760.320.0997 Fax: VALLEY!YOUR YEE OP FinalthatChanges DUE: MON.,WE 5:00 p.m.. and furniture stores are locally owned. iPhone &760.320.1630 iPad Assistance valleybits@msn.com R ’ Please review carefully. check: Spelling years Prices Hours WE If shopping locally is tooDouble limiting, ex- Phone Number(s) I’ve retired after more than 30 corpoAll Rights Reserved rate software experience. Now I’m ready to use pand your view to goods made in the U.S.A. immediately Contact your Tidbits representative with changes orhelp corrections. my professional expertise to nice folks like you solve your computer problems. Call me! As a block, Office: we have a lot of clout there as well. 760-320-0997 email: valleybits@msn.com Fax:-- Richard 760-320-1630 Bigley Finding those items, however, can be difficult. Richard Bigley We Buy, Quick Indio We Buy, WhenLane, it comes to products made in America, Gold, REASONABLE Sell & Trade Computer Service & Repair CDC Property of RATES! Sell & Trade 1/4 pg. • Full Color • 13x Discount Valuables Silver Health 760-808-1119 AdVenture Media, Inc. Valuables El Paseo Exchange Consignments El Paseo Exchange & Coins Guidelines Jan. 17, 2021 Vol. 17 - No. 4 Consignments
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SOCIAL SECURITY by Tom Margenau
Retirement Benefit Calculation -- the Advanced Course
There are two kinds of people in the world. Those who just want to know the time and those who want to take the clock apart to see how it works. I’m sure most of us fall into the first category. I sure do. But of course, there are always those who need to disassemble that clock, examine it and then try to put it back together. And when it comes to Social Security retirement benefits, there also are two kinds of people: those who just want to know what their benefit is going to be and those who want to know exactly how the government comes up with their retirement benefit calculation. But as I think about it, there is probably a third category of Social Security retirement benefit calculators. It is those people who want a general idea of how their benefit will be figured. They just don’t need all the nitty-gritty details. I think most seniors fall into that category. For years now, I’ve been providing a relatively simple explanation for those folks. In a nutshell, a Social Security retirement benefit is a percentage of your average monthly income using your highest 35 years of inflation-adjusted earnings. So, when you file for retirement benefits, the Social Security Administration will look at your earnings history and pull out your highest 35 years. They don’t have to be consecutive. If you don’t have 35 years of earnings, the SSA must plug in an annual salary of “zero” for every year you did not work, until the 35-year base is reached.
Page 9
Tidbits of Coachella Valley
However, before they add up those “high bean counters and clockmakers) who tell me that 35,” they index each year of past earnings for in- they are confused because the benefit estimate flation. And this is where the formula starts to get they are getting from the SSA now (at age 66, let’s messy. That’s because there is a different adjust- say) is not much more than the estimate they got ment factor for each year of earnings, AND each back at age 62. Their current benefit estimate inyear’s adjustment factor is different based on your cludes the COLA increases but either little or no bumpADVERTISING for their post-62 earnings. The reason why is year of birth. PROOF that lack of inflation indexing after age 60. Here is a quick example. If you were born in Final Changes DUE: Mon., Mar. 8, 20215:00 p.m.. Please review carefully. Double check: Phone Number(s) Spelling Prices Hours As you can see, the Social Security retire1949 and earned $20,000 in 1980, they would multi- your Tidbits representative immediately with changes or corrections. ment benefit formula is pretty messy. And if you’re ply those earnings by an inflation adjustment factor Contact Office: 760-320-0997 email: valleybits@msn.com Fax: 760-320-1630 of 3.25, meaning they would actually use $65,000 as not a clockmaker, I say, “Don’t worry about it.” Just your 1980 earnings. But if you were born in 1950 let the SSA do it for you. Go to the Social Security and earned that same $20,000 in 1980, they would website, and click on the “Retirement Estimator” use an inflation factor of 3.33, resulting in $66,600 icon on the homepage. It will walk you through the as the 1980 earnings used in your Social Security process of finding out what your Social Security benefit will be. computation. * * * You can find a complete breakdown of those inflation adjustment factors for each year of birth If you have a Social Security question, Tom Mar(for folks nearing retirement age) at the Social Se- genau has a book with all the answers. It’s called “Social curity Administration’s website: https://www.so- Security: Simple and Smart.” You can find the book at creators.com/books. Or look for it on Amazon or other cialsecurity.gov. book outlets. To find out more about Tom Margenau The next step in the retirement computa- and to read past columns and see features from other tion formula is to add up your highest 35 years of Creators Syndicate writers and cartoonists, visit the Creat www.creators.com. inflation-adjusted earnings. Then you divide by 420 ators Syndicate website Property of AdVenture Media, Inc. -- that’s the number of months in 35 years -- to get COPYRIGHT 2021 CREATORS.COM your average inflation-adjusted monthly income. FREE The final step brings us to the “social” part Phone: 760.320.0997 Fax: 760.320.1630 valleybits@msn.com of Social Security. The percentage of your averAll Rights Reserved age monthly income that comes back to you in the form of a Social Security benefit depends on your income. In a nutshell, the lower your average wage, the higher percentage rate of return you get. Once again, the actual formula is messy and varies depending on your year of birth. As an example, here ● Restaurants is the formula for someone born in 1949: You take the first $749 of average monthly income and multi● Services ply it by 90%. You take the next $3,768 of your averADVERTISING ● Retail Final Changes DUE: age monthly income and multiply that by 32%. And Please review carefully. Double check: Phone N ● Bars Contact your Tidbits representative immedi you take any remainder and multiply it by 15%. Office: 760-320-0997 email: valleybits@ Business Sales You can find a complete breakdown of those MON., JULY 27 Specialists computation “bend points” on the Social Security Please review carefully. Double since 2002check: Phone Number(s) Spelling website. Believe it or not, that was the “simple” ex-your Tidbits representative immediately with changes or co Contact planation for those who just want some idea of how Office: 760-320-0997 email: valleybits@msn.com Fax: 76 their Social Security retirement benefit will be figured. To summarize, it is a percentage of your average monthly income using your highest 35 years of inflation-adjusted earnings. If this was a college Services CalBRE 01341737 course, think of it as Social Security Benefit Com-Wilson Financial Broker You’ll Ever Need. putation 101. 1/8 pg The BWOnly 26x Business disc. But now I’m going to offer the advancedAugust 2, 2020 Vol. 16 - No. 32 course. This is the one for the bean counters and clockmakers out there. I’ll start by introducing the term “primary insurance amount,” or PIA. The PIA is your basic retirement benefit upon which all future calcula-ADVERTISING PROOF tions will be based. The “raw PIA” is actually calcuFinal 5:00 p lated at age 62. In other words, when the SSA pullsChanges DUE: Please they review carefully. Double check: Phone Number(s) Spelling Prices out your highest 35 years of earnings, only use earnings up to age 62. Then that raw PIA gets Contact your Tidbits representative immediately with changes or correcti “cooked,” or increased, to take into account any Office: 760-320-0997 email: valleybits@msn.com Fax: 760-320 earnings you had after age 62 and to include any $50,000 Minimum Investment 3-Year Commitment cost-of-living adjustments, or COLAs, that were au 6% Per Year Return (paid monthly) thorized for Social Security benefits after the year Security : Secured Promissory Note you reached age 62. Exit Strategy: But it gets a little tricky when the SSA does After 3 years, when your money is liquid, the re-computation for any earnings you have afyou will have the option to: ter age 62. If you worked full time until age 66, for 1. Reinvest in another 6% WFS alternative example, you would normally assume that those Property of 2. Invest elsewhere earnings between age 62 and 66 would definitely inAdVenture Media, Inc. crease your PIA. After all, you figure, they are some This innovative program was designed by very educated and dedicated Christian businessmen who of your highest earning years, so they will become saw the need for an alternative investment option FREE part of that “high 35.” of Coachella Valley versus banks and other less attractive investments! The Neatest Little Paper Ever Read But not necessarily. And here is why. For Phone: 760.320.0997 Fax: 760.320.1630 reasons I can’t take the time to explain in this short valleybits@msn.com column, earnings after age 60 are not indexed for All Rights Reserved inflation. They get calculated at current dollar value only. So, if your “raw PIA” was based on a full financial 35-year history of high inflation-adjusted earnings, services your current earnings may not be high enough to R ETIREMENT WEALTH MANAGEMENT become part of your “high 35,” so they won’t in12419 Lewis Street Suite 101 crease your benefit. Or they possibly might bump Garden Grove, CA 92840 up the PIA, but not by much. 714-705-1900 In fact, I hear from readers all the time (the WWW.WILSON-FINANCIAL.COM
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1. The book of Jude is in the a) Old Testament b) New Testament c) Neither 2. In Acts 9, to what city was Saul traveling when suddenly there shined around him a blinding light from heaven? a) Smyrna b) Anab c) Damascus d) Jerusalem 3. How many days did it take Nehemiah to get the wall around Jerusalem completed? a) 40 b) 52 c) 84 d) 120 4. From Acts 17, at what church was Paul accused of turning the world upside down? a) Antioch b) Smyrna c) Thessalonica d) Galatia 5. In Genesis 3:15, the snake is supposed to strike at (bruise) what part of man? a) Throat b) Knee c) Hand d) Heel 6. From Revelation 12, what angel fights against Satan? a) Angel of the Lord b) Gabriel c) Michael d) Cherubim (Answers (Answerson onpage page12) 16)
For comments or more Bible Trivia go to www.TriviaGuy.com © 2021 2019 King Features Synd., Inc. Inc.
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Page 10
specific. Blood testing is more likely to have false positive and false negative results. In addition to making the diagnosis, the stool or breath test is recommended to confirm eradication of the infection. For more reading, I’d recommend you start at https://medlineplus.gov/helicobacterpyloriinfections.html. *** DEAR DR. ROACH: Is chlamydia easy to cure with antibiotics? -- Anon.
M.D.
Half of Seniors Have H. Pylori Infection
Vol. XVII
Issue 11
VETERANS POST by Freddie Groves
‘Federal Partners’ Get Vaccine From VA
ANSWER: Although there are several Who are the Department of Veterans Afdifferent species of the bacterium Chlamydia, fairs federal partners? Inquiring minds want to DEAR DR. ROACH: Could you give including an important one that causes pneumoknow. some additional information about H. pylori A recent VA press release boasted about nia, I assume you mean chlamydia trachomatis, surpassing the VA’s milestone of administering one infection? I was diagnosed with it recently, the kind that causes genital disease in both men million doses of the COVID vaccine. That’s a great via biopsies taken during an endoscopic proand women. number, but that 1 million-plus isn’t all veterans. cedure. I was given instructions on antibiot Yes, it can be easily cured. The cure rate Some 626,000 veterans got the first and ics to be taken, which I followed through on. with either of the first-line antibiotics, doxycycline (and sometimes) second dose. Over 400,000 went When talking to my doctor’s physicianADVERTISING ADVERTISING or azithromycin, is 96% to 100%. ThePROOF hard part PROOF to VA employees. But 1,200 doses went to “federal assistant, I asked what could have caused is making the diagnosis, since the infection can MON., MAY 4 partners.” Final beChanges DUE: p.m.. DUE: 5:005:00 p.m.. the infection, to try to prevent it from Final recur- Changes clinically silent, but can still be passed on. Un Nowhere, in much research across the InPlease review carefully. Double check: Phone Number(s) Spelling Prices Hours Please review carefully. Double check: Phone Number(s) Spelling Hours ring. I was given a very cursory response, ternet, could I find just who those partners were. fortunately, unlessall partners are treated simul- Prices including that it could have come from eatThe VA has done a good job of setting up a taneously, it’s possible toimmediately be reinfected. Contact your Tidbits representative with changes or corrections. Contact your Tidbits representative immediately with changes or corrections. website showing just how many people at each of ing at “Mom and Pop” restaurants. From Gonorrhea is often present at the same Office: 760-320-0997 email:email: valleybits@msn.com Fax: Fax: 760-320-1630 Office: 760-320-0997 valleybits@msn.com 760-320-1630 the many sites across the country have received research I did after that, it seems that it can time as chlamydia, and it’s important that testing the vaccine. But once again, those “federal partbe present for a long period of time without for that infection also be done. ners” weren’t identified. being noticed, and many times the cause is * * * They also aren’t identified in the 88-page unsure. Dr. Roach Memorandum of Agreement between the VA and Bob’s Clock Shop regrets that he is unable to answer After I finished the antibiotics, I was individual letters, but will incorporate them in the column the Centers for Disease Control and Prevention, BZ 4C 26x TF whenever possible. Readers may email questions to told to have a follow-up test to make sure where it’s stated that the VA will vaccinate those May 10, 2020 Vol. 16 - No. 20 ToYourGoodHealth@med.cornell.edu. they were effective. I was given a choice of “federal partners.” It did say that those who receive the vaccine will be entered into the VA’s electronic Ad Proof: a stool test or a breathing test; I chose the (c) 2021 North America Synd., Inc. medical record, and that they could be given by VA breathing test. I was surprised at how easy John Cuddihy - Flags “A” Flying staff who go to the partner sites. The VA will let the it was. Are those tests also used to initially Biz Card, BW, 26x rate CDC know how many doses they need out of the detect an infection, without a biopsy? -- A.J.Y. Corrections due by: 5 pm, Mon., 6/19/17 VA’s vaccine allocation. Howard Miller • Ridgeway • Sligh • Antique ADVERTISING PROOF So, who are they, these federal partners? We also Service, Repair and New ANSWER: Helicobacter pylori is an I did come across a few clues about “partWall, p.m.. Final Changes DUE: from Germany repair 5:00 Mantel, Movements important cause of chronic gastritis (stomach Please review carefully. Double ners” in my search, although not the ones getting check: Phone Number(s) Spelling and Prices Hours Ship’s 43 years Cuckoo inflammation), the most important cause of stom- Contact your Tidbits representative changes or corrections. the vaccine: Federal Partners in Bullying PrevenBoB’immediately s CloCkwith shop Clocks experience ach ulcers, and is an important factor in stomach Office: 760-320-0997Carlsbad email: valleybits@msn.com Fax: 760-320-1630tion, Bureau of the Fiscal Service (which seems / San Diego / Desert Communities to keep a list of taxpayers who owe child support), cancer and intestinal lymphoma. Between 50% Servicing Coachella Valley on Fri., Sat. or Mondays Veteran Employment Services Office, the Food and 66% of the population of the world is afCall for In-Home service appointment and Drug Administration Federal Partners’ Col760-729-5121 -or- Bob’s cell: 760-802-4071 fected. The older a person is, the more likely he laborative, the Bureau of Indian Education and the WED., MAR. 22 or she is to have infection: In the U.S., it’s about Faith-based and Community Initiatives. 10% in those between 18 and 30 years old, but carefully. Double check: Phone Number(s) Spelling Please review Hourswords, it’s across the board, and PricesIn other 50% in those over 60. This likely represents an all manner of government departments can have & Contact your Tidbits representative immediately with changes or corrections. improvement in hygiene, as most infections are sub-groups that may be considered partners. SALES Property of Office: 760-320-0997 FLAGPOLE email: Property valleybits@msn.com Fax: 760-320-1630 of acquired in childhood and persist throughout life. Granted, 1,200 doses isn’t huge given the AdVenture AdVenture Media,Media, Inc. Inc. scope of the program, but these are doses that Flags of USAStatesForeign It is thought that most infection occurs VETERAN all Sizes. Military & Religious didn’t go to veterans. person-to-person, possibly through water or from Owned Flagpoles- Residential & Commercial Busin * ** FREE es poor handwashing before food preparation. H. of Coachella Valley s FREE of Coachella Valley Freddy Groves regrets that he cannot personThe Neatest Little Paper Ever Read pylori is much more common in developing na- Desert Jewelry The760.320.0997 Neatest Little Paper Ever Read Fax: 760.320.1630 Mart & Loan ally answer reader questions, but will incorporate them Phone:Phone: 760.320.0997 Fax: 760.320.1630 valleybits@msn.com Call me today!valleybits@msn.com tions. In the U.S., infection is more common in 1/12 pg 4C into his column whenever possible. Send email to colum26x rate nreply2@gmail.com. (760) 343-1175 John Cuddihy people of lower socioeconomic status. All Rights Reserved March 26, 2017 Vol. 13 - No. 13 All Rights Reserved Please review carefully. Double check: Phone Number(s) Spelling Prices Hours We’re Near! I-10 & Monterey in Thousand Palms • Delivery Available (c) 2021 Not everyone with H. pylori has sympKing Features Synd., Inc. toms or needs treatment. People with ulcers or Contact your Tidbits representative immediately with changes or corrections. gastritis are generally treated with several antibiOffice: 760-320-0997 email: valleybits@msn.com Fax: 760-320-1630 Property of otics for 10-14 days along with antacid medicine. AdVenture Media, Inc. The diagnosis can be made by biopsy, as yours FREE was, or by the stool or breath test. 30 1 Phone: 760.320.0997 Fax: 760.320.1630 The breath test is at least 95% specific valleybits@msn.com (if the test is positive, it’s very likely to be a true Buying & All Rights Reserved • COINS positive) but 90% sensitive, meaning one person Selling all • BULLION in 10 with the bacteria will have a false negative U.S. Bills • SILVER test. The stool test is close to 95% sensitive and 24 HR. WE PAY S M QUOTE
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Week of March 7, 2021
Also keep in mind that it’s always best to choose a nursing home that’s close to family members and friends who can check in often, because residents with frequent visitors usually get better care.
-- by Jim Miller
How to Choose a Quality Nursing Home During a Pandemic DEAR SAVVY SENIOR: Can you give me some tips on how to pick a good nursing home in the COVID era? My mother had a stroke a while back and can no longer use her legs. I’ve been taking care of her at home, but her health has declined to the point that I absolutely can’t do it any longer. --Need Help
Do some research: To research the nursing homes on your list, put a call into your long-term care ombudsman. This is a government official who investigates nursing home complaints and advocates for residents and their families. This person can tell you which nursing homes have had complaints or problems in the past. To find your local ombudsman, call your area aging agency (800-677-1116) or visit LTCombudsman.org. You should also visit the Centers for Medicare and Medicaid Services website (data.cms.gov), which provides updated data on U.S. nursing home reported COVID-19 cases and deaths. Contact the nursing homes: Once you’ve identified a few good nursing homes, call them to see if they have any vacancies, Fri., 12/04/20what they charge, and if they accept Medicaid.
Facetime, Zoom or Skype video calls with your mom. Tour your top choices: The best way to evaluate a nursing home is to visit it in person, but because of COVID, some facilities may offer limited or virtual tours only. To help you evaluate and rate a facility, Medicare offers a terrific checklist of questions that you can print at Medicare.gov/NursingHomeCompare/ Checklist.pdf. Consider Costs: With nursing home costs now averaging $255 per day nationally for a semi-private room and nearly $290 for a private room, paying for care is another area you may have questions about or need assistance with. Medicare only helps pay up to 100 days of rehabilitative nursing home care, which must occur after a hospital stay of at least three days.
Most nursing home residents pay for care
from either personal savings, a long-term care ADVERTISING PROOF Dear Need Help: COVID-19 has hit insurance policy, or through Medicaid once their nursing homes hard over the past year, making Final Changes DUE: 5:00 p.m.. savings are depleted. it extremely difficult for people attempting to
Please review carefully. Double check: Phone Number(s) Spelling Prices Hours choose a nursing home during this time. The National Clearinghouse for Long Also, find out their staff-to-patient ratio Contact your Tidbits representative immediately with changes or corrections. Term Care Information website (LongTermCare. While many eldercare experts suggest and staff turnover rate; their COVID infectionOffice: 760-320-0997 email: valleybits@msn.com Fax: 760-320-1630 acl.gov) is a good resource that can help you avoiding nursing homes during the pandemic control procedures; the percentage of residents understand and research your financial options. if at all possible, some families, like yours, find and staff that have been vaccinated for COVID; You can also get help from your State Health themselves in difficult situations needing longand their facility visitation policy. Insurance Assistance Program (SHIP), which term or rehabilitative care for their elder loved Wright Advice provides free counseling on all Medicare and If visitor restrictions are in place, see one now. 1/12ifpg rate Medicaid issues. To find a local SHIP counselor theyBW offer13x smartphone, tablet or laptop To help you find a good nursing home in Dec.technology visit ShiptaCenter.org or call 877-839-2675. so 51 you can have 13, 2020 •assistance Vol. 16 - No. Please review the COVID era and avoid a bad one, here are carefully. Double check: Phone Number(s) Spelling Prices Hours *** some steps to follow. Contact your Tidbits representative immediately with changes or corrections.
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For ALL your
Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit SavvySenior. Fax: 760-320-1630 org. Jim Miller is a contributor to the NBC Today show and author of “The Savvy Senior” book.
760-320-0997 email: valleybits@msn.com Make a list: There are severalOffice: sources you can turn to for referrals to top nursing homes in your area including your mom’s doctor or nearby hospital discharge planner; friends or neighbors who may have had a loved one • Turning 65? in a nursing home; and online at Medicare’s • New to the area? nursing home compare tool at Medicare.gov/ care-compare. This tool will not only help • Leaving your you locate nursing homes in your area, it also company plan? provides a 5-star rating system on recent health Doug & Linda Wright Shadow Hills Residents inspections, staffing, quality of care, and overall TUES., Independent Feb. 16, 2021 Agents rating.
MEDICARE needs!
Misused Words
(from page 3)
good,” sorry to say, his grammar is incorrect. His correct response should be, “He did well,” ADVERTISING PROOF or “He did a good job.” The word “well” is an adverb, a word that modifies verbs, while Final Changes DUE: 5:00“good” p.m..is an adjective, used to modify nouns. Please review carefully. Double check: Phone Number(s) Spelling Prices Hours Call today for a FREE However, if you want to maintain that father's NO Obligation friendship, it might be best for you not to say Contact your Tidbits representative immediately with review changes or corrections. anything except, “I'm so glad to hear that!” Office: 760-320-0997 email: valleybits@msn.com Fax: 760-320-1630
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• There is a bit of confusion about “your” and “you’re.” Your is a possessive adjective used to show it belongs to you. You might tell a FREE CA Lic. # OK90593 friend, “Here is your portion.” You’re is a of Coachella Valley Handi-Bars The Neatest Littlewill Paper be Ever Read By calling the number above you directed to a contraction of “you are.” You could tell your Phone: 760.320.0997 Fax: 760.320.1630 ADVERTISING agent. MedicarePROOF has neither 1/12 pg licensed 4C 26xinsurance disc. valleybits@msn.com significant other, “You’re the best thing in my reviewed nor endorsed this information. Feb. 21, 2021 Vol. 17 No. 9 When someone thanks you, it is incorrect Final Changes DUE: All Rights Reserved 5:00life.” p.m.. to write, “Your welcome.” It is always “you’re Please review carefully. Double check: Phone Number(s) Spelling Prices Hours welcome!” “BEFORE WrightHealthAgency.com
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a
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An official from the local rural school stopped at the farm home of a frequently truant student to speak with his parents, and saw the boy on the porch.
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"Is your mother at home?" he asked. "Maw ain't here," said the boy. "She's probley in the barn feedin' the hogs." FREE ALL RIGHTS RESERVED ©2005
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"Young man!" gasped the official. "Where is your grammar?" "I dunno," said the boy. "She's probley out there helpin' Maw."
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