FOR THE ACTIVE, EXPERIENCED CENTRAL OREGONIAN • HEALTH, LIFESTYLE, ENTERTAINMENT & ADVICE
Ageless SPRING
2015
CYCLING
CAMARADERIE Bend Bella Cyclists are on the move.
TREASURE HUNTER GROUP ADVENTURES
Sponsored By
In Partnership With
ADVER T I S ING SUPPLEMEN T
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Ageless
Spring 2015
Ageless Features No One Left Behind ....................................................5 Meet the ladies of Bend Bella Cyclists — a group of women who meet for rides, recreation and camaraderie.
A New Compass Heading............................................8 There’s more fun to be had, more adventures to experience, more friendships to make when on a group travel trip.
Treasure Hunter ....................................................... 16 Karla Proud isn’t your average jewelry artist. She ventures out into the wilderness and underground to find just the right natural elements.
The One Constant ....................................................22 From the rapids of the Deschutes River, to the wilds of the Grand Canyon and beyond, Dennis Oliphant is never far from the water.
Information & Advice Contributors ................................................................................. 4 Safe Travels................................................................................ 12 Out & About: Badlands Beauty ..................................................14 Nutrition: Eating to Lower Cholesterol ...................................... 20 The RV To-Do List ..................................................................... 26 Legal Advice: Duties of a Personal Representative ................... 30 Medicare Advice: Medicare On the Road .................................. 32
COCOA News Preserving Memories with Scrapbooking ................................. 34 March on Wheels Roundup; New Staff Members ..................... 35 Events Calendar ......................................................................... 37
An award-winning magazine featuring health, entertainment, lifestyles and advice for the active, 50-plus Central Oregonian. Ageless
is a product of The Bulletin’s Special Projects Division, 1777 SW Chandler Ave., Bend, OR 97702, and printed by Northwest Web Press, www.northwestwebpress.com. Ageless is produced in partnership with the Central Oregon Council on Aging. All content is the property of The Bulletin/Western Communications, Inc. and may not be reproduced without written permission.
Ageless Staff Members Martha Rogers, Special Projects Manager Althea Borck, Special Projects Editor Stacie Oberson, Special Projects Coordinator Kevin Prieto, Special Projects Image Coordinator Kari Mauser, Special Projects Associate Editor Clint Nye, Graphic Designer Jay Brandt, Advertising Director Steve Hawes, Advertising Sales Manager Story ideas may be submitted for consideration to Althea Borck, managing editor. Contact her at 541-383-0379 or via email at aborck@bendbulletin.com. For advertising, call 541-382-1811. Published Saturday, March 14, 2015
To subscribe or learn more about all our publications, please call 541-385-5800 or visit us at www.bendbulletin.com. Cover photo of Bend Bella Cyclists by Kevin Prieto.
Ageless | Page 3
Ageless CONTRIBUTORS ANNISSA ANDERSON, a freelance writer and PR consultant, also studied culinary arts and worked as a pastry chef in another life. She now writes regular food and nutrition articles for The Bulletin. When not researching food trends and recipes, she prefers to spend her time with her husband and young son exploring Central Oregon’s lesser-known natural spaces.
KIMBERLY BOWKER grew up in Central Oregon under the shadow of the Cascade Mountains and between the scent of the ponderosa pines. She currently spends her time teaching and writing, exploring stories of the heart and discovering how our lives intertwine. You might find her sipping a pint of craft beer at a local pub, or out on the trail strolling beneath the sky.
An avid crocheter and origamist, JOHN CAL worked as a baker, head chef, ukuleleist and Sno-Cat driver before settling into writing. He enjoys filling his time with yoga, postcard writing and collecting bowties. John also collects candy from around the world — he has a 100plus specimen collection (and counting) — and lives in Bend with his dog, Hank.
A lover of yoga, coffee and nature, LINDY CALLAHAN feels right at home in the Pacific Northwest. Originally from Utah, she fell in love with Oregon and moved here five years ago. When she isn’t writing or devouring a book on the alpaca farm where she lives in Bend, Lindy also enjoys hiking, paddleboarding, snowshoeing, and road tripping around the state with her husband Mike and dog Phil Collins.
GREGG MORRIS is a local freelance writer and musician. You can find him around town finishing articles at the local tea shop, performing with his band Organic Music Farm or homeschooling his 10-year-old daughter. Supposed free time is spent in the woods with his wife and daughter or skillfully executing his duties as a member of the Deschutes County Search and Rescue team.
A freelance writer and editor, KELSI SHELTON thrives off of anything that helps her see the world differently — good conversation, a long hard laugh, or exploring her favorite place on Earth, Portland. Kelsi spends every second she can tickling and reading to her (almost) 2-year-old daughter, going on adventures with her husband, cooking up a healthy recipe or clearing her head with a long trail run. Page 4 | Ageless
NO ONE
LEFT BEHIND
There is fun, there is support, but above all, there’s friendship with Bend Bella Cyclists. by John Cal, for The Bulletin Special Projects photos by Kevin Prieto Ageless | Page 5
T
hough the Bend Bella Cyclists group started as a way for a group of elite and advanced women riders to challenge each other’s skills, what the group has transformed into is something so much more — women helping women, and in more areas than just cycling. “The group started back in 2004 with well-seasoned women riders,” said Barb Smith, president of the Bend Bellas. “But it’s morphed since then. We have advanced riders, good skilled riders, but we also have beginners. Women of different abilities. We want everyone to feel welcomed. … We’re a diverse group.” With 135 members in 2014, ranging in age from 20 to 72, the Bend Bellas has made its mark on the region’s cycling routes and trails. And in the process, the group has kept true to its mission of offering the women of Central Oregon a “supported cycling club.” “We’re not going to leave you in the dust,” said Smith. Each planned ride has two leaders: one to set the pace in front and the other to tail the group as a sweep, making sure no one gets left behind. “People aren’t going to be left back. No one is left alone. No one rides alone. That’s just how we do it,” explained 65-year-old Smith. Part of what the Bellas do is help women who want to learn about cycling. The club’s goal is to build the confidence of their members through outings with other women. “Our rides are organized by our members, and there are always a variety of
“People aren’t going to be left back. No one is left alone. No one rides alone. That’s just how we do it.”
Susan Frank, in back, Nancy Whitlatch and Lauren Baker rides at different skill levels,” explained Smith. “We’re really a member-driven organization, here to support the members. If you want to do it, we try to empower you to make it happen.” With both road and mountain cyclists, and even fat tire and gravel riders, the Bend Bellas have turned into one of Bend’s largest community of women riders. “We have competitive women,” said Moe Slater, the 59-year-old executive committee member in charge of mem-
bership and website management. “(And) women who are more easy going about their riding. Really for us, it’s all about the community of riders, socializing, being together.” A ride with the Bend Bellas means safety, accountability and, in the case of beginners, learning to cycle without feeling like a third wheel. But on any given cycling trip — whether along the Crooked River Scenic Bikeway or at Paulina Lake or in the Dry Canyon in Redmond — there is never a dull moment and always a friendship in the
lla Cyclists sy of Bend Be Photos courte
Crane Prairie Reservoir
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making. “The difference between men and women riders is that if you go on a ride with men, it’s dead silent,” said 58-yearold Lauren Baker with a laugh. “For us it’s a social experience. There’s very little quiet.” “We’ve gotten used to not seeing very much wildlife because we’re talking and screaming and socializing so much,” added Susan Frank, 61. “I think for us it’s more than just the biking, too,” said Nancy Whitlatch, a
Green Ridge Road Out & Back
Moe Slater 58-year-old member. “Sometimes men go on bike rides together, and it’s just about the biking, but for us it’s about so much more.” Bella members spend a lot of their time cycling, but they also plan downhill and cross-country ski outings, and running excursions. “I just wanna get some exercise,” added Baker. But beyond physical activity, Bella members have also started a book club, go to wine tastings, and work on arts and crafts together. “Just last week a group of us went to a painting class together,” said Whitlatch. “We’re a social group that happens to do a lot of biking,” said Slater. “And there’s a lot of diversity — ages, likes, dislikes, abilities. There’s a place for ev-
eryone in this club.” The Bellas even have sporadically planned rides where their male counterparts are invited. They call these rides Bellas ’n’ Fellas. “It’s not better or worse riding with men,” continued Baker. “It’s just different. When I ride with men, they’re just trying to be helpful and so if I have a flat tire, for instance, they’ll fix it for me, and of course I let them. But, there’s something so empowering of having to figure it out myself. … Sure, it might take me two or three times as long, but I love learning how to do things for myself.” “And in this group of women, the great thing is, there’s always someone to stay there with you, while you’re figuring it out,” added Frank. Non-members are encouraged to try a ride with the group if they want more information about joining, and the group is also having their annual kickoff meeting in early April at Pine Mountain Sports in Bend with information about joining the group and plans for their upcoming year. Whether or not you have advanced experience or have never gotten on a bike before, they’re all about women encouraging women. “And then afterward we all end up at the same coffee shop,” said Frank. “Or brewery,” added Whitlatch with a smile. “I don’t know about why, but it’s just different,” said Smith. “Not better, just different. … Sometimes you want to ride with your husband or in a mixed co-ed group, but sometimes I also just wanna ride with these ladies, and it’s good every time. I love it every time. They make me a better rider, and I love them for that.”
BEND BELLA CYCLISTS
www.bendbellacyclists.org
Annual kickoff meeting 7 p.m. Thursday, April 2 at Pine Mountain Sports in Bend. Email bendbellacyclists@gmail.com or call 541-390-6569 for more information.
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a new
Compass Heading Sightsee, socialize and stir up adventure when on a group trip. by Kimberly Bowker, for The Bulletin Special Projects Betty Keener and her husband, Jack, traveled around the world for 58 years together. They explored Europe, South America, Asia and North America. Three years ago, Jack passed away. Last fall, Betty traveled to New England. She wandered around the charming Rhode Island capital of Providence, saw the historic buildings in Boston, and gazed across the ocean at Cape Cod. It was her first big trip without her husband, but she was not alone. “I learned that I can do a lot of things on my own,” said Keener, 82. “I still love to travel. It was nice to know that I can still travel, and that other people my age are still traveling.” Group tours allow seniors to continue traveling, even with challenges of age and changing life situations. Seeing new sights, surprising oneself and widening perspectives are all part of the traveling experience. Guided tours provide easier access for seniors exploring this vast world. Plus, it’s just plain fun. Keener booked her trip to New England through the Bend DisSenior Center. The center, run by Bend Parks & Recreation Dis trict, offers Central Oregon residents 50 years and older a host of activities, classes, and events – including a variety of travel opportunities. Day trips are available to locations such as the Willamette Valley, the Painted Hills, a tulip festival in Silverton, and even recomtheme-specific excursions around Bend. Keener recom mends day trips as a great launching point into group travel, as it requires fewer preparations. But group travel isn’t just about going on an adventure. It’s an opening for socialization with peers, and the chance to experience something different, said Sue Boettner, manager of the Bend Senior Center. “It gives them cognitive stimulation,” Boettner said, “because they are thinking of new things, and learning new things, and remembering. I think that can improve health, too.”
! e r e H e r e W Wish You
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Upcoming day-trips include an April adventure to Portland’s Oregon Museum of Science and Industry (OMSI), which will offer participants a chance to explore exhibits with scientific handson learning. Or, in May, groups will head to Fort Rock to see the geologic wonder, and then feast on a traditional western-style meal at Cowboy Dinner Tree. The Bend Senior Center is also planning two rail trips this year, one to the Grand Canyon and the other to California. The tours are organized by Premier World Discovery, a company that Boettner chose for its customer service.
Train, and visit Sacramento, Virginia City, and Lake Tahoe. With a maximum of 30 participants on each trip, there’s ample opportunity to make new friends and experience new places. Bend-resident Joanne Wildman, and her husband Mike, enjoy participating in tours. They traveled to the East Coast to witness the colorful fall leaves, voyaged on a European river cruise, and ventured to China with the company China Focus Travel. While traveling in Beijing, Wildman was appreciative of sightseeing within a group. It added extra comfort in the midst of busy traffic and overwhelm-
Many are cautious of tours being too structured, but Campbell said that travelers are not required to do anything they don’t want to do. It is important, though, to keep an open mind and go with the flow while navigating new experiences. “The most important thing when you are traveling anywhere is to do your research and understand the basics of traveling before you go,” Campbell said. “If you travel with an open mind looking for new experiences, and you understand it could be new and great or it could not be what you were hoping for, as long as you have an open mind when
“I still love to travel. It was nice to know that I can still travel, and that other people my age are still traveling.” Travelers will fly into Phoenix in May, with a stay at a resort in Sedona, Ariz. The vintage train will wind along the cliffs of the Verde Canyon on its way to the Grand Canyon. Other activities include a trolley tour of Sedona, a visit to the Montezuma Castle National Monument, and a farewell dinner at Blazin’ M Ranch, complete with a western stage show. In July, those traveling to California will explore San Francisco, tour the wine country on the Napa Valley Wine
ing movement of the capital. The city is enormous, Wildman explained, and it was helpful to be in a tour group to easily reach sites such as the Great Wall of China and Summer Palace. “It’s a great place to meet seniors,” Wildman said about group touring, “and see a lot of different things you might not see on your own.” Guides are often available to explain the history, geology and culture of different areas. It is a benefit not always available to solo travelers, according to Ryan Campbell, district sales manager of Premier World Discovery.
you are traveling, you are going to see things in a better light.” AAA Oregon/Idaho, with an office in Bend, books many group travel tours for seniors to both domestic and international locations. While the companies and trips are not senior specific, many of the tours attract adult travelers due to the itineraries and offerings. The travel professionals at AAA are trained to book the best trip to fit each traveler’s needs, said Doreen Loofburrow, vice president of travel services in Oregon. Companies that often draw seniors include AAA Member Choice Vacations, Trafalgar, Insight Vaca-
TOURS AND GUIDES Check out these tour companies to begin your search, or contact your travel agent. And remember to check out the Bend Senior Center for trip advice and options.
AAA Member Choice Vacations: 800-529-3222 www.memberchoice vacations.com
China Focus Travel: 800-868-7244 www.chinafocustravel.com
Collette: 800-340-5158 www.gocollette.com
Insight Vacations: 888-680-1241 www.insightvacations.com
Premier World Discovery: 877-953-8687 www.premierworld discovery.com
Trafalgar: 866-513-1995 www.trafalgar.com
Viking River Cruises: 800-706-1483 www.vikingriver cruises.com
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tions, and Collette. The Bend Chamber of Commerce gathers residents for an international trip each year. The trips are not designed specifically for seniors, but many Central Oregonians ages 50 and older participate. Travelers may do as little or as much as they like, according to Sandy Stephenson, CFO of the Chamber. A group traveled to China in 2013, to Italy and Greece last year, and plans are made for Australia and Fiji this fall. Participants of group tours may not know anyone at the start of the trip, or they might be traveling with companions, but the end result is a fun-filled adventure and a host of new friends to share the memories. Following a European river cruise with Viking River Cruises, Wildman and her husband stayed additional days in Paris. They navigated the city and its subway lines with a handful of others whom they befriended from the tour. Wildman remembers standing atop the Eiffel Tower over-
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looking the beautiful city. It was a bucket list item completed. Keener traveled to New England with a friend and with five others from Central Oregon. They met at the Portland airport and stuck together throughout the tour. The new friends still occasionally meet for lunch, recalling past experiences and memories together. “It’s much more fun to be with other people and know you will have someone to travel with,” said Keener, “and not be wandering around towns alone and not be eating dinner alone, and know that someone will be picking up the pieces a little bit.” Keener recommends to other seniors who may be nervous about traveling to simply go ahead and do it. “For most of us who are older,” Keener said, “… the idea of heading out on your own for the first time is pretty intimidating. But, you just have to do it.”
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by Kimberly Bowker, for The Bulletin Special Projects
Safe Travels
DOCTOR CLEARANCE
Before your next big trip, don’t forget to pack a little first aid and medical care for the journey.
PRESCRIPTIONS
MEDICATIONS
PILLBOX
T
he trip is booked, the reservations are made, and the excitement begins to build. A stop at the bookstore yields a new supply of colorful guidebooks. That misplaced passport is hopefully found. The checklist begins to dwindle after buying a new swimsuit and informing banks of upcoming travel plans. Then, you head into your bathroom to pack some toiletries — and you stop and stare at the over-thecounter and prescription medications lined up on the counter. Yes, you’ll need to pack those things, too, but you need a refill for one and you’re not sure if you’ll need the other. Whether traveling to Africa on safari, or to the Caribbean on a cruise, it’s important for travelers to remain healthy every step along the way. A trip to the doctor beforehand can ease your worries and get you out the door with a smile on your face, and all the right medications in your bag. Dr. Carrie Day, a doctor of internal medicine and pediatrics at High Lakes Health Care in Bend, suggests starting health research at the Centers for Disease Control and Prevention website (www.cdc.
FIRST AID NECK PILLOW Photos by Kevin Prieto
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gov). Each country is listed with appropriate immunizations and medicines needed for travel, as well as other health and safety tips. “It gives you health related risks of travel in that area,” explained Day, “and will have a good sense of if you need to go see someone.” Your physician knows your health best, said Day, and doctors often see their patients for travel consult appointments. It is best to come in sooner rather than later, and allow enough time to determine a vaccine and medication plan for the trip. Some vaccine series, especially when traveling to developing countries, require months to take proper effect. An essential document for travelers, specifically older adventurers, is a printed demographic sheet to carry throughout the trip. Doctors’ offices print the form for patients, and the paper includes appropriate diagnosis, medications and allergies for each patient. It is a personal snapshot for travelers to hand to a doctor while traveling. Along with the demographic sheet, it’s vital to carry an adequate supply of prescription medications. Day recommends packing a week’s worth in a carry-on, with the rest in checked baggage, in case any bags are lost. If using a pillbox, be sure to bring a labeled bottle that identifies the medication. On longer trips, doctors also have the ability to write a vacation prescription for a larger supply that many insurance companies will cover. Betty Keener, an 82-year-old Bend resident and frequent traveler, is a firm believer in bringing a good supply of medications, but she also knows the best-laid plans can go awry. “You have to bring a sense of humor,” she advised. “Be prepared for anything to happen because you are traveling, and you don’t know what’s going to happen. You have to be flexible.” To be prepared and flexible, it is also a good idea to bring an appropriate over-the-counter pain reliever or anti-inflammatory, such as Tylenol. Day also suggests an anti-diarrheal such as Pepto-Bismol or Imodium when traveling to developing countries. Such destinations may be at higher risk for more serious infectious diarrhea, and physicians may prescribe stronger medications as a
“You have to bring a sense of humor. Be prepared for anything to happen because you are traveling ... You have to be flexible.”
A Travelers’ Guide to Packing Here are a few tips to keep in mind when preparing for your next adventure: WHAT TO PACK — Pack an essentials bag, including medications, first-aid supplies, water, snacks, games, and list of emergency contacts. A C-shaped balloon travel pillow that supports the neck and head can provide comfort when resting while traveling.
precaution during a travel consult. While cruise ship travel is fairly safe, said Day, gastrointestinal diseases sometimes transfer easily due to the close quarters. There is a physician on board, though, to provide routine medical services to passengers in need. Another common health concern for senior travelers is bowel management. Constipation may be an issue due to a change in routine and food patterns. Day recommends having a plan. If bringing medication for constipation, be sure to be clear about when and how to use it. While travel may be challenging and exciting, it is also important to choose destinations and activities that are appropriate to your medical conditions. Some locations may not have access to medical care, or there may be extreme exertion on other expeditions. “The older travelers spend a lifetime putting time and money away to enjoy travel,” said Day, “and it’s the idea of making it an enjoyable experience by making it appropriate travel.” In general, water and food safety is a concern in developing nations. As a rule of thumb, drink only bottled water, and remember that water for brushing teeth and cooking is included within that guideline. Iodine tablets and water filters, which can be purchased at outdoor stores, or boiling, are additional options for water purification. Also, check the temperature and climate of your destination in order to pack appropriately. Adequate research before a trip creates an informed and prepared traveler so the experience can be both exciting and safe. Day suggests choosing a trip that is appropriate for your general medical conditions and to have a clear sense of what is expected within the selected type of travel. “Pick something that is suited to be enjoyable and comfortable,” said Day. “And something that allows you to continue to take care of yourself every day.”
HOW TO PACK — Two words: Pack light. For a person traveling with at least some limitations, aim to pack everything necessary in a rollerboard suitcase plus a medium-size overthe-shoulder carry-on. All medications should be in their original containers and placed in a ziplock freezer bag, including copies of any prescriptions and/or physician statements, in the carry-on bag. THINK SAFETY — As with most people on vacation, seniors want to explore. However, for patients with dementia or Alzheimer’s, this can be dangerous. Be prepared for wandering and for retrieving a lost friend. Females should not carry a purse, and males should not carry a wallet. Instead, they should use a hidden wallet attached with a neck cord or tied to their belt. GET DOCTOR CLEARANCE — Consult with your primary care physician to make sure your travel plans are appropriate and to check on special vaccinations and medications. Talk with the doctor about medications to help control anxiety and motion sickness. CAR TRAVEL — Make frequent rest stops to get out and stretch, use the restroom, or get some snacks. Stop at some viewpoints and sights along the way. The point is to not stay confined for too long. AIRPLANE TRAVEL — Speak with the airline in advance. Inform them of any special needs or arrangements, especially if a traveling companion has dementia or Alzheimer’s. If the senior will require assistance, requests must be received by the airline no less than 48 hours in advance. SCALE BACK — Keep it simple. Be realistic about the amount of activity, walking and traveling you and/or your friends can do. Research your destination(s) and plan carefully to accommodate special needs and to allow plenty of resting time. — Courtesy Central Oregon Council on Aging Ageless | Page 13
Ageless OUT & ABOUT
by Annissa Anderson, for The Bulletin Special Projects / photo by Kevin Prieto
Badlands Beauty P
ick a sunny day — but one before the heat of summer arrives — to visit the Oregon Badlands Wilderness, a vast expanse of lava outcrops and weathered western junipers just east of Bend. An easy hike to Flatiron Rock is the perfect introduction to this fascinating terrain. To reach the trailhead, travel east of Bend on U.S. Highway 20 to the Mile 16 marker. A sign indicates the Flatiron Trailhead. Setting out, consult the map and choose the Flatiron Trail, which offers a five-to-six mile route (roundtrip)
Flatiron Rock Difficulty level: Easy What to wear: Good walking shoes and a hat, gloves and coat in winter. Fees: None For more info: www.blm.gov/or/ wilderness/badlands/
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to Flatiron Rock, depending on whether a deflection via the Ancient Juniper Trail is chosen on the return. Beginning the hike, newcomers may deem the landscape non-descript as there are no water features, sweeping vistas or diverse flora to admire. But for the observant, much of this mysterious landscape unfolds as you progress. Watch for interlaced lava flows and old growth junipers — unusually shaped by wind and lightning – and you’ll begin to get a sense for how the plants and animals living here are able to eke out an
existence in the harsh conditions to which they are peculiarly adapted. For the best of both worlds, visit after a rain storm — when the slate has been wiped clean — and look for tracks of the yellow-bellied marmots, bobcat, mule deer, elk, and antelope that inhabit the area. Note: Bring a plentiful supply of drinking water for yourself (and accompanying canines, if applicable) on this hike, which can take two to three hours to complete. There is no water along this route.
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by Kelsi Shelton, for The Bulletin Special Projects / photos by Kari Mauser
TREASURE
HUNTER Karla Proud mines the underground troves of Oregon to create and design magical works of art. One could say it was youthful tenacity that led to Karla Proud’s 1972 unearthing of the massive blue cap tourmaline that came to be regarded as one of the most famous mineral specimens ever found. Dr. Vincent Manson, curator of the American Museum of Natural History at that time, deemed this pivotal tourmaline discovery “the find of the century.” At the young age of 22, Proud had just married her friend and business partner and together they’d re-opened the Tourmaline Queen Mine in Pala, San Diego County, after decades of closure. “The mine had been famous for the luscious Rubellite tourmalines it produced, their color of deep raspberry jelly and BIG!” Proud explained. Proud and her new husband were determined to uncover more of the “gemstone of the rainbow,” despite widespread belief that the mine had been long since exhausted. Four years later their persistence and unwavering belief paid off when Proud’s mining foreman discovered a tourmaline pocket of unprecedented size and perfection deep within the mine. Once unearthed, the treasure was named The Candelabra, and the piece was put on public display at the Smithsonian Institute in Washington, D.C. In addition to reinvigorating demand for California pink tourmaline, this find spurred Proud into a lifetime of adventures — mining rare gemstones and transforming them into elegant jewelry of her own design. From expeditions digging tanzanite and tsavorite in East Africa to opening fine jewelry stores in Southern Cal-
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ifornia, Hawaii and Tokyo, Japan, to finally settling in Bend — where she often ventures southeast to the Dust Devil Mine in search of the enigmatic Oregon Sunstone — Proud has never strayed far from what all began as a childhood passion. “Even as a child out digging on the old mine sites, I had a real taste for treasure hunting!” Proud recalled excitedly. Her childhood fascination with discovering crystals and gems began when her grandfather, a gold miner, would take her rockhounding around the area of the Tourmaline Queen Mine — the same mine where she would later discover The Candelabra. He would tell her elaborate stories about China’s Empress Dowager Cixi’s affinity with San Diego’s pink tourmaline. As a 6-year-old girl, Proud was enamoured with these stories about the empress. “I remember thinking, ‘Oooh it’s the queen’s gem!’” she recalled. Proud and her grandfather often explored the natural world, finding tailings of tourmaline. Proud would display her treasures in a glass showcase that her grandfather built for her. Even as a young girl, Proud always had an eye for design. Her childhood dream of owning a rock shop was in part motivated by the drab rock shops she and her grandfather would visit. “I always felt like they were doing it all wrong. The rocks would be on dirty, dusty displays,” Proud recalled. The young Proud believed it would serve the rocks better if they were organized on stands with special lighting — the way she ultimately began displaying her own gemstones and jewelry upon opening her first set of stores,
Karla Proud in a tourmaline and topaz mine in Karoi, Rhodesia (Zimbabwe) in the 1970’s. The Collector Fine Jewelry, in La Jolla and Beverly Hills, Calif. “Having my stores was a bit like setting up a museum display to show the pieces in their best light and angles,” she explained. Maintaining her passion for the raw minerals and crystals, Proud would set up her displays with original stones
sphere than California offered. Honolulu fit the dream and saw Proud’s next successful endeavor — The Rainbow Collection, another fine jewelry store. One of the store’s regular customers was a man from Japan, who eventually asked Proud to design and create jewelry for Bijoux Soleil, a fine jewelry store in Tokyo. With his support, Proud
“Even as a child out digging on the old mine sites, I had a real taste for treasure hunting!” alongside the finished jewelry pieces, as well as a presentation of information so people could learn about the stones and where they came from. Despite a shared obsession with gems and minerals and rock hounding, Proud’s marriage ended and she found herself ready for a change of scenery and yearned for a less competitive gemstone market and business atmo-
was also able to launch a wholesale company in Hawaii from which she sold her gemstone pieces to stores such as Nordstrom. Hawaii saw many of Proud’s business ambitions through to reality. She was in a great place, happily remarried and extremely successful. But when the economic collapse of Sept. 11 affected Hawaii, the demands of juggling
At the Dust Devil Mine in Oregon. her multi-faceted business endeavors began to take a toll. Proud and her husband were ready for a change. “We both really wanted to get off the rock. We wanted to live somewhere like this,” she said, indicating Central Oregon. “I wanted to get back where I could dig something out of the ground.” Once their minds were set on moving on, the couple thought of Oregon. While living in Hawaii, a friend and fellow rockhound had brought Proud to Oregon on a number of summer mining adventures in the rural southeastern town of Plush where they’d dig for Oregon sunstone in the Dust Devil Mine. After digging out some amazing pieces, she had quickly become fascinated with this natural labradorite sub-group of the feldspar mineral that ranges in color from a light golden champagne to deep red — an irresistible lure given her love for colored gemstones. Part of what hooked her on
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“I love being out in the country and actually digging for gem material and finding a special piece of sparkling gem that has just been unearthed. It’s the thrill of the hunt!” the beauty of Oregon sunstone is that it bears an incandescent natural copper dagger called schiller, something unique to Oregon sunstone. “Probably 90 percent of what is found is clear champagne, and it’s really beautiful,” Proud said. “The red sunstone is one of the rarest gems in the world. It is absolutely stunning.” The longing to get back to her roots, back to a place where she could put her own hands to work uncovering the Earth’s treasures, along with her recollection of enjoying her time spent in Bend all of those summers, sealed the deal. So, Proud and her husband moved to Bend, and she immediately began mining and collaborating with Don Buford, Page 18 | Ageless
co-owner of the Dust Devil Mining company, whom she had originally met at the Tucson Gem Show in the 1970s. Upon seeing Proud’s work, Buford asked her to design pieces for Dust Devil Mining. “She brought a fresh perspective to designing,” he observed. “She has a very good eye for design and symmetry.” Proud says she gets much of her inspiration from nature, often incorporating Oregon sunstone with other local materials such as jasper, blue and fire opal, as well as some exotic material such as Brazilian drusy quartz. As an artist, she strives to use as much rough material as she can find in her jewelry.
“I love being out in the country and actually digging for gem material and finding a special piece of sparkling gem that has just been unearthed. It’s the thrill of the hunt!” she explained. And nature offers more than sparkle. Proud also spends time searching for Oregon petrified wood to use in her custom designs. “When I see a piece of rough, I already know what I’m going to do with it. I visualize design ideas at that point and have a plan,” she said. While initially Proud’s vision to market and sell the Oregon sunstone she mined was successful, she admits there is some challenging competition among sunstone miners. She is not deterred, however, and said she looks forward to more mining adventures come summer. “To this day I’m awed each time I unearth a stone,” Proud said. “It’s the ultimate treasure hunt. … Be it a fabulous gem sunstone or a piece of Oregon petrified wood, I’m the first person to ever set eyes on that piece of mother Earth’s treasure — wow! My heart rate actually speeds up! It’s crazy!” It’s that passion and excitement
along with her desire to share educational stories with her customers that make Proud’s style as a jewelry artist unique. “She tells a really good story,” said fellow artist Susan Harkness-Williams. “She tells the real story about Oregon sunstone. … She can and does have a part in every aspect of her jewelry from it coming out of the ground all the way to being on your hand or around your neck.” As one of the featured artists at the Artists Gallery Sunriver, Proud appreciates the opportunity to introduce people to the world of colored Oregon sunstones and other natural material just as her grandfather did for her when she was a young girl. “I’ve had kids come in here, and sometimes I have petrified wood pieces, and they are suddenly taken by the gem thing, the whole romance of it. That’s how I started — I’ve had the blinders on and I’ve done this my whole life,” Proud said. “It’s like the old saying, ‘old jewelers never die, they just slowly petrify,’” she said with a laugh. “It’s been so exciting for me.”
Ageless | Page 19
SHOULD YOU? PROBABLY NOT
Not all foods are created equal, especially when it comes to cholesterol, so be careful what you eat.
by Annissa Anderson, for The Bulletin Special Projects / photo by Kevin Prieto Picture this. You’re out with friends for the evening, and there’s laughter and chatter and fabulously delicious food. But not just any food — burgers and fries, chips and dip, a platter of appetizers. It’s a celebration, but the celebration comes with high amounts of saturated fats and trans fats. Once in a while, a burger is OK. Too often, and you’re cholesterol levels will skyrocket. The way we eat can significantly impact our blood cholesterol levels. So knowing how both types of cholesterol — HDL (good) and LDL (bad) — work, and how our diet affects their levels, is essential to cho-
Page 20 | Ageless
lesterol management. “Cholesterol is a type of fat found in all the blood cells in our bodies,” said Annie Baumann, a registered dietitian with Bend Memorial Clinic. “Our body can make all the cholesterol it needs, so we don’t need to get it through our food.” But cholesterol is also found in foods containing saturated fats (from animal sources, such as meat, poultry and full-fat dairy products) and trans fats, found in many highly processed foods. When you eat a diet high in saturated and trans fats, your liver produces more cholesterol, and it is this extra (or high) cholesterol that can clog arteries, increasing the risk of heart attack or stroke. “In our blood, we have HDL choles-
“Start small, and add one thing at a time. It is important to know that small changes in your diet can make a really big difference.” terol that actually helps shed bad cholesterol out of our blood system, and LDL cholesterol, which is the type that forms plaque in our bloodstream and on the artery walls,” said Lori Brizee, a registered dietitian with Central Oregon Nutrition Consultants in Bend.
Increase Dietary Fiber
Luckily, high cholesterol can be helped by eating foods that are high in fiber. In order to digest fat, your liver sends bile to your intestines and emulsifies that fat you have eaten in order to break up the fat, said Brizee. Adding fiber, especially soluble fiber, to your diet can affect overall cholesterol because it binds with the digested fat and excretes it before it gets into circulation. Foods that are high in fiber generally fall into these categories: fruits and vegetables, beans and other legumes, nuts, and whole grains. The newest USDA recommendations call for 2 (women) to 2½ (men) cups of vegetables and 1½ (women) to 2 (men) cups of fruit per day for those 51 years of age or older. This is due to the known benefits of fruits and vegetables for increased heart health, said Brizee.
Whole grains that are easy to add to any diet are oats, barley and whole grain bread. Beans and peas are recommended as they are high in fiber, but also in protein and other nutrients. And eating one to two ounces of unsalted nuts — such as almonds, peanuts, walnuts and hazelnuts — per day can help to decrease LDL levels, while adding healthy, polyunsaturated fats to your diet, said Brizee.
Add the Right Fats
Choosing fats that help improve heart health is another great way to offset high cholesterol levels. While animal fats and trans fats work to clog arteries, omega-3 fatty acids found in fatty, cold water fish and shellfish — including salmon, tuna, sardines, herring, cod and oysters — help to lower LDL and reduce triglycerides, said Baumann. Fatty fish provides essential EPA (eicosapentaenoic acid) and DHA (docosahexaenoic acid), long-chain omega-3 fatty acids. Omega-3 fatty acids are also found in plant sources such as flaxseed and its oil, but these sources provide only ALA (alpha-linolenic
acid), which have less potent health benefits than EPA and DHA. Healthy cooking oils are also beneficial to cutting high cholesterol levels, and work in much the same way. Using plant-based oils containing healthy, monounsaturated fatty acids — including extra-virgin olive oil — in cooking is preferable to using saturated fats such as butter or shortening. Not only does the olive oil replace the use of saturated fats, it is even known to lower total cholesterol and LDL cholesterol levels. Eggs, previously thought to contain an unhealthy amount of cholesterol (in the yolk), are now considered a healthy part of the diet. Newer studies have shown that eating up to seven eggs per week does not affect heart health, said Brizee. Eggs are also a great source of protein that is relatively inexpensive, said Baumann.
Reduce Simple Carbs and Exercise More
fat (lipid) found in your blood — and an important part of your total cholesterol profile. Dramatically reducing the sugar and refined grain products we eat can also reduce inflammation in our bodies and help achieve a healthy weight which is essential to heart health. Simple carbohydrates can easily be replaced by complex carbohydrates, such as the fiber-rich food options mentioned above. “Start small, and add one thing at a time,” said Baumann. “It is important to know that small changes in your diet can make a really big difference.” These dietary adjustments — together with regular exercise, achieving a healthy body weight, and not smoking — can lead to attaining lower cholesterol levels, said Baumann. Being overweight, along with a lack of exercise, affects fats circulating in the bloodstream. Excess weight can boost harmful LDL, while inactivity depresses protective HDL. “There’s no downside to exercise,” said Brizee.
Simple carbohydrates, such as sugar and foods made with white flour, can increase triglycerides — a type of Ageless | Page 21
From the Deschutes River, to the Grand Canyon, to the Pacific Ocean — there’s always a water adventure waiting for Dennis Oliphant.
THE ONE CONSTANT by Gregg Morris, for The Bulletin Special Projects / photos courtesy of Dennis Oliphant
In his youth, Dennis Oliphant rode bikes with his brother and sister from their house in Portland to the Columbia River to fish for salmon, steelhead and sturgeon. As he got older, his adventuresome nature dragged him off the shore and into a boat. Unbeknownst to Oliphant, the time spent battling the waves and currents of the river helped to develop what would become a lifelong love and fascination for the water. “I definitely had some adventures with the big Columbia River in a small watercraft,” said Oliphant. “I probably shouldn’t be alive today.” But it’s not that he’s a daredevil. He simply fell in love with adventure and with the ebb and flow of rivers, lakes and oceans. Oliphant has dedicated his life to promoting the benefits of the outdoors. Years of kayaking, rafting, paddlePage 22 | Ageless
boarding and windsurfing have combined to give the 60-year-old outdoor enthusiast the knowledge to start his own river-rafting business, Sun Country Tours. Forty years later, Oliphant’s fascination with water is as constant as the tide. Oliphant has tried, or mastered, most of the water-based activities that have come about in the last six decades. Kayaking or paddleboarding, on rafts or in canoes, Oliphant would say
he’s done a bit of everything. After a childhood spent fishing and sailing, he took to kayaking as an adolescent. Oliphant honed his skills in a kayak both in the western part of Oregon and on the Cascade Lakes during family vacations. Oliphant was well aware of Bend’s outdoorsy nature thanks to a youth spent ski-racing at Mt. Bachelor ski resort, so it was no surprise when he
found himself back in Bend years later. Oliphant’s move into whitewater rafting in Bend came through hard work with a splash of luck and timing. After graduating from the University of Oregon with a degree in recreation and parks management, and a minor in business, he obtained an internship at the Inn of the 7th Mountain, now called Seventh Mountain Resort. While at the Inn of the 7th Mountain, Oliphant caught wind that the new recreation director wanted to add a rafting program. It was an opportunity that would move him down a road to something spectacular. Because Oliphant had a love for the water, and a background in kayaking, he jumped at the chance to run the program. He submitted a proposal for how the program should run, got the job, and took 4,500 people down the Deschutes River that summer.
“I love the ocean. I’m intrigued by it and the new challenge.”
The following year, Oliphant parlayed the success of his first year guiding and opened Sun Country Tours in Sunriver. In the spring of 1978, he went to Sunriver Resort with a contract in hand and proven results from the Inn of the 7th Mountain. Sunriver Resort’s management team agreed to his proposal and the fledgling Sun Country Tours with its six employees was on its way. The guide company now offers rafting and stand-up paddleboarding through every resort in Central Oregon, except Seventh Mountain, which has continued its own program. “Running this business was the best training I could have had in communications, psychology, business or dealing with the government,” explained Oliphant. Oliphant’s fascination with the water didn’t end there. In the early 1980s, Oliphant took up windsurfing on both
the Cascade Lakes and in the Columbia River Gorge. And in the following years, Sun Country Tours continued to blossom, spurred on by Oliphant’s love of water sports. In 2005, friend and former professional surfer, Gerry Lopez introduced Oliphant to his latest obsession, stand-up paddleboarding. But while Oliphant’s connection with the water began with the river and lakes of Oregon, it eventually evolved to include the ocean. “I love the ocean,” said Oliphant. “I’m intrigued by it and the new challenge.” The ocean suited Oliphant’s curiosity and his willingness to try new things and experience new adventures. Owning a house on the Pacific Ocean in Mexico allows him to spend his days learning all he can about another body of water, usually atop a paddleboard. The eight-time Pole Peddle Paddle winner (five-time individual and three-
time pairs) now splits his time between living on the banks of the Deschutes River in Bend’s Old Mill District and listening to the waves crashing on the beaches of Mexico. “I love living on the river here and the ocean in Mexico,” said Oliphant. “My family and I love to watch people playing on the water.” Oliphant passed his love and knowledge of water sports on to his daughter, Brit, currently attending the University of Hawaii, and his son, Gunnar, who graduated from Montana State University in Bozeman. Both of his children worked for Sun Country Tours at one time — his daughter as a standup paddleboard instructor and his son as a rafting guide. Oliphant is not one to sit still. Given a chance, and a watercraft on which to take that chance, he’ll make his way to places far and wide. In fact, Oliphant’s
list of favorite places to explore reads like an adventurer’s bucket list. Close by, he points to the lower Deschutes River in the fall and the Middle Fork of the Salmon River. Both trips are favored due to their relaxing nature and beautiful colors. Further from Central Oregon, Oliphant likes to reminisce about his four trips through the Grand Canyon; twice in a raft, once in a kayak, and once in a wooden dory. The multiple explorations of the Colorado River using different watercraft stand as a testament to his love of the area — and his desire to experience it in unique ways. Almost four decades after starting Sun Country Tours, Oliphant is still guiding the company and its 100 employees. After setting up shop in Sunriver from 1978 to 1991, Oliphant moved the tour company to a south Bend location before finding a permanent home Ageless | Page 23
on Bend’s west side, just off Century Drive. No matter where it’s headquartered, Sun Country Tours has built its reputation by pairing family river fun with safety and cleanliness, and for his efforts, Oliphant was recognized among the “50 Great Leaders of Oregon Business” by Oregon Business magazine in 2013. But as involved as he is in his business, he is equally involved in the Central Oregon community. He serves as an appointed advisor to federal government Working Groups assisting federal agencies whose job it is to balance outdoor recreation and resource protection on public lands. He has been on the board at the Central Oregon Visitors Association for more than 20 years and is a founding member of the Mt. Bachelor Sports Education Foundation. Oliphant’s company’s outreach organization, the Sun Country Tours Foundation, donates more than $20,000 to roughly 75 organizations each year. While they receive about a dozen requests each week, the foundation focuses their philanthropy on youth, education and environmental causes. Their Free Life Jacket for Youth program provides high-quality personal flotation devices for
Page 24 | Ageless
kids younger than 12 who enjoy floating the Deschutes River. Even with all the outreach he does for the community, and his time away in Mexico, and his adventures far and wide, Oliphant can still be seen leading families down the rivers of Central Oregon when the weather turns warm. So don’t expect him to lose touch with his river-rafting roots anytime soon. It is, after all, the reason he is who he is. “I still enjoy it,” said Oliphant with a laugh. “I love being around our high-energy employees. It keeps me young.”
SUN COUNTRY TOURS
To book a trip, go online, call or stop by: www.suncountrytours.com 531 S.W. 13th St. Bend, Oregon 97702 541-382-6277 or 800-883-8842
Ageless | Page 25
✔
THE RV To-Do List
T
Before heading out on the road, make sure your RV is in tip-top shape with a little de-winterization.
by Lindy Callahan, for The Bulletin Special Projects / photos by Kevin Prieto
he early arrival of warm weather here in Central Oregon may have many of you itching to get your RV ready to do some traveling. Lucky for you, Spring Break is coming up and it is a great time to get working on it. Proper de-winterization ensures safety while traveling and can also prolong the life of your RV, according to experts from All Seasons RV and Marine and Big Country RV in Bend.
✔Flush the Water System
✔Ventilate
Mike Alvarez, the general manager at All Seasons RV, suggests opening all of the windows to let in fresh air, while working on the rest of the list. No one wants to sleep in a smelly RV.
✔ Check Batteries
You can check your batteries by using the monitor panel or a voltmeter, while the RV is not hooked up to an electric outlet, to ensure the batteries are in working order. “Checking the batteries is the first thing to do,” said Rick Wise, general sales manager at All Seasons RV. “Bat-
Page 26 | Ageless
“If things are missed or not done correctly, it can cause harm to your RV,” said Mark Haywood, the customer care manager at Big Country RV. “That is why it is important to do it the right way and to also make sure it is winterized correctly to begin with.” These local RV specialists were kind enough to help compile the ultimate de-winterizing to-do list, so you can tackle this project with ease and efficiency. So, lets get to it.
teries allow the RV to operate properly, but they are also essential to the next, and one of the most crucial, items on the to do list.”
First, hook your clean water hose up to a garden or city water tap, then connect to the water tank itself. Next, open your gray tank and turn on all of the faucets, allowing them to run until the water is clear. Repeat this step with your holding tank. Next add one cup of bleach or an additive of choice (there are a variety for sale at many RV dealerships), and flush that through the system until the smell is gone and the water is again clear. “This is very important and should be done once a year,” said Alvarez. “This rids the water system of any residual
antifreeze or algae that may have built up over the winter, ensuring you have safe water to use all summer.”
✔ Check Brakes and Tires
“Take your RV for a short drive around the block to ensure your brakes are working properly,” suggested Wise. Checking tire pressure and tread is also a good idea. If any need to be replaced, now is a good time to do it.
✔Propane System
Be cautious when checking your RV propane system, as propane is highly flammable. If you want to check it yourself, first check the exterior vents,
propane cylinders and connections to propane appliances for any debris, damage or corrosion. Remove debris, which may inhibit proper ventilation, and replace parts that are damaged. “If all of that looks good then make sure your tank is full of fuel,” said Wise. “Most importantly, make sure all valves are turned off until you have reached your destination and are no longer on the move.”
✔
Seals
Check your roof, windows and interior to ensure there are no broken seals or holes anywhere. Seal them and replace any missing caulking. “Sometimes little critters can get in and wreak some havoc during the winter,” said Alvarez. “You want to make sure you don’t have any leaks or cracks anywhere. Do this at least once a year.”
✔Appliances
Turn on all of your appliances before hitting the road to ensure everything is in working order. “I would suggest turning them all on and allowing them to run for about
half a day,” said Wise. “This way you will find out if something needs to be replaced or repaired well before you decide to take a trip.”
✔Safety Checks
Make sure your carbon monoxide, gas leak and smoke detectors have working batteries and are good to go. Also make sure you have a working fire extinguisher somewhere inside at all times.
✔Clean
Dust can build up while your RV is in storage, so give it some love and clean it up a bit inside and out to make your trip more enjoyable.
✔Stock Up
Many items you take along will be packed just before a specific trip, but there are some things you can stock beforehand for peace of mind. Extra drinking water is, of course, a good idea when hitting the road. A first aid kit and maybe some un-perishable food items are also great to have on hand. “I would suggest always taking along a water regulator in case your campsite has high water pressure,” said Alvarez. “An extra water hose and leveling blocks are also items that are convenient to have on hand. At All Seasons, we actually sell starter kits,
which include many of these essentials, to ensure you always have necessities with you.” All of this may sound a bit overwhelming, especially if it’s your first RV. “There isn’t a problem with doing many of these things yourself,” said Haywood. “There is also no problem with asking an expert for guidance, or taking the RV to a local dealership to have things done professionally.” Wise agreed that some of these things can be done on your own, but you don’t have to go it alone. “If you aren’t comfortable with something or want further instruction on how to do it properly, most local RV dealerships, including All Seasons, would be happy to offer assistance,” said Wise. Once you have checked off the items on this list, your RV should be ready for some spring and summer adventuring. So get out there, have a great time and be safe.
Ageless | Page 27
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Ageless LEGAL ADVICE
Duties of a Personal Representative ADMINISTERING AN ESTATE IS AN IMPORTANT JOB THAT REQUIRES TRUST AND UNDERSTANDING. by Melissa Lande, for The Bulletin Special Projects
One of my roles as an estate planning attorney is representing individuals who are named as personal representatives or executors of the estates of deceased persons. In Oregon, the person who administers an estate is called a personal representative. In other states, that person may be called an executor. Serving as a personal representative can be complicated, time-consuming and expensive. Although most people are willing to serve in this role, it is important that the personal representative have an understanding and guidance as to their duties and obligations to the court and the beneficiaries. When a person chooses who they want to nominate to serve as the personal representative of their estate, it is important that they choose someone who is trustworthy and capable of handling the duties required of a personal representative. Outlined below are some of the duties and responsibilities of a personal representative. Determine if there is a will. If the personal representative does not have the decedent’s will, the personal representative is obligated to contact heirs of the deceased, prior legal counsel and check the places that the decedent kept their important papers such as a safe or safe deposit box to determine if a will exists. Determine which assets are subject to probate. The personal Page 30 | Ageless
representative will need to determine if the decedent’s assets were jointly owned or have designated beneficiaries. If the estate assets can be transferred by joint ownership or to a designated beneficiary, then a probate may not be necessary. Review the decedent’s mail. Once appointed personal representative by the court, the personal representative should contact the post office to have the decedent’s mail forwarded to them. This will assist the personal representative to determine the assets and debts of the decedent.
Notify financial institutions, credit card companies and other agencies. The personal representative is charged with notifying the decedent’s banks, financial institutions and credit card companies that the decedent has passed away. Typically, the funeral home will notify the Social Security Administration of the death but the personal representative is obligated to confirm that it has been notified. File a probate petition. Once the personal representative determines that a probate is necessary to transfer assets, they must file a
petition with the court identifying the heirs and devisees named in the will or informing the court that no will exists. Also the personal representative needs to advise all interested parties that the probate has been filed. Publish notice in the newspaper. The personal representative must publish a notice to creditors in the newspaper which states that the probate has been filed and the creditor has four months to make a claim against the estate. The notice must be published once per week for three consecutive weeks.
Open an estate account. Once the court has issued documents opening the probate and appointing the personal representative, the personal representative should open an estate bank account where incoming funds can be deposited and outstanding bills can be paid. File an inventory. After the personal representative has had an opportunity to become familiar with the decedent’s assets and within 60 days of appointment, the personal representative will need to file an inventory of the decedent’s assets with the court. Take control of the decedent’s property. The personal representative must ensure that the decedent’s property is safe and secure during the course of the probate including personal property. This can be difficult if other people attempt to take
possession of the property before the personal representative is appointed. Pay the debts and taxes. Before assets can be distributed, the personal representative must pay the decedent’s outstanding debts and taxes including all creditor claims. If the personal representative does not believe that a creditor’s claim is valid, the personal representative must deny the claim in a timely manner. Distribute the assets. Once the debts have been paid and the assets sold, as necessary, the personal representative will submit documents to the court requesting permission to distribute the estate assets as indicated in the decedent’s will or by state law if the decedent has no will. Represent the estate in court. If the probate runs smoothly and the personal representative fulfills his or her obligations to the court and to
the beneficiaries and the assets are distributed, the estate can be closed. However, in certain situations, there may be objections filed to the probate or the proposed distribution or valuation of assets. Objections are set for hearing before a judge and the personal representative is obligated to appear in court on behalf of the estate. Personal representatives should ask for assistance from professionals that can assist them with their duties. They may need assistance from a CPA, real estate agent or attorney to fulfill their responsibilities. Once the personal representative has completed their responsibilities and the assets have been distributed to the beneficiaries, the personal representative can request that he or she be discharged and the estate be closed.
Melissa P. Lande is a partner at Bryant, Lovlien and Jarvis in Bend. She focuses her practice on assisting her clients with estate planning, elder law, wills, trusts, probate, asset protection, guardianships and conservatorships. Melissa is a graduate of New York University and Washington and Lee University School of Law in Virginia. She is a member of the Oregon State Bar Estate Planning and Elder Law Sections. She and her husband, Mark, have a son, Griffin, and a daughter, Lila. Contact Melissa at 541-382-4331 or lande@bljlawyers.com.
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Ageless MEDICARE ADVICE
Does Medicare Care When You Travel? MEDICAL EMERGENCIES HAPPEN, EVEN WHEN YOU’RE ON THE ROAD & OUTSIDE THE U.S. by Nickie Sickles, Intern for the SHIBA Program
What if I have a Medigap Plan?
There are many things to consider when traveling abroad. There is of course the flight to arrange, the hotel reservations to make, activities to plan, and you are probably researching the best restaurants to eat at during your stay! Have you considered during all of this planning what you will do if you become ill, get hurt or lose your medications? A medical situation while traveling is an inconvenience at best; and a potential disaster that can ruin your entire trip in spite of the best laid plans. This is not a good time to be surprised by lack of medical insurance coverage. Let’s take a quick look at how this works.
Standard Medigap plans C, D, F, G, M and N provide foreign travel emergency health care coverage when you travel outside the U.S. They pay 80 percent of the billed charges for certain medically necessary emergency care outside the U.S. after you meet a $250 deductible for the year. These Medigap policies cover foreign travel and emergency care, if it begins during the first 60 days of your trip. It also must be a service that Medicare doesn’t otherwise cover. Foreign travel emergency coverage with Medigap policies has a lifetime limit of $50,000. Foreign facilities will not bill Medicare. You will need to pay out of pocket and submit claims to be reviewed for approval and reimbursement.
Basic Medicare The U.S. consists of the 50 states, the District of Columbia, Puerto Rico, the U.S. Virgin Islands, Guam, the Northern Mariana Islands and American Samoa. If you intend to travel outside of these areas it is critical that you understand your medical coverage. In most situations, basic Medicare will not cover your medical expenses when you travel abroad; this includes prescription drugs and dialysis. Medicare pays only in very limited circumstances. The Medicare.gov website gives an outline of the limited circumstances in which you might get coverage when traveling outside of the U.S. These are as follows: You’re traveling through Canada Page 32 | Ageless
What about Medicare Advantage Plans? without unreasonable delay by the most direct route between Alaska and another state when a medical emergency occurs, and the Canadian hospital is closer than the nearest U.S. hospital that can treat the emergency. In some cases, Medicare Part B may cover medically necessary health care services you get on board a ship within the territorial waters adjoining the land areas of the U.S.
Medicare won’t pay for health care services you get when a ship is more than six hours away from a U.S. port. Even within these parameters, coverage is limited. Another thing to keep in mind is that foreign hospitals are not required to submit billing to Medicare. You will be expected to pay all expenses upfront, bill Medicare yourself, and wait for approval and reimbursement of any approved portion of costs.
Through researching two local companies that offer Medicare advantage plans, I found that traveling abroad poses some dilemmas when it comes to medical care. Depending on the policy, your Medicare Advantage plan will offer some urgent and/ or emergent care assistance, but in many cases your condition will only be stabilized and you will then need to return to the U.S. Keep in mind that you will need to pay for medical services up front, submit the bill yourself and then wait for reimburse-
A medical situation while traveling is an inconvenience at best — and a potential disaster that can ruin your entire trip in spite of the best laid plans. ment. Prescription medications are not covered. Be sure to bring enough to cover the length of your stay — and don’t lose them!
Travel Insurance: The Best Option! The best way to assure coverage when traveling abroad is to purchase a travel insurance plan. These come in a variety of shapes and sizes, with costs varying depending on coverage needed, your age, dates of travel and destination. One helpful option is to use a comparison website that shows a side by side chart that compares prices and coverage from multiple companies at
once. Consumer review sites may be another good place to start looking for a reputable company and plan. Some questions to ask might include how quickly the agency reimburses you for your expenses, if they cover emergency transportation back to the U.S., and if there is an age limit that applies to the policy that you are looking into.
Know Your Options Before You Go! No one intends to have a medical concern or emergency while traveling abroad, but it happens. It is very important to know what to expect and be prepared in case of emergency. Not only
are medical expenses incurred to be paid out of pocket; if you are returning to the U.S. at a time other than originally planned, there could be additional travel expenses and penalties that would be entirely your responsibility. This could be quite frustrating if your long awaited vacation isn’t close to being over! Planning ahead affords better opportunity for a smooth healthcare experience and continuation of travel plans in the case of a medical crisis. For more detailed information about travel and Medicare, see the online brochure, “Medicare Coverage Outside of the United States,” at www.medicare.gov.
• Elder Care • Medicaid • Long-Term Care
Nickie Sickles is a senior at Western Oregon University, soon to complete a bachelors of science degree in Gerontology. She has a long history of working with seniors — beginning with volunteering at a care center as a young teenager, later doing adult foster care, and currently working as a caregiver in an assisted living, memory-care unit. She has a passion for programs that support older adults and those who care for them. On a personal level, she enjoys two lively Pomeranians, anything crafty and travel.
• Veteran’s Benefits • Estate Planning • Asset Protection
Is it time to address LONG-TERM CARE COSTS? The thought of Medicaid can be intimidating. Most seniors are of the belief they have to be “broke” to qualify for Medicaid. NOT TRUE! With the right information seniors can plan and avoid the fearful “spend down” too often misunderstood to be a catastrophic measure. I provide evaluation, solutions and planning to prevent exposure to high long-term care costs while protecting assets. Medicaid is not the only solution. I offer a complimentary initial consult.
Call Will Dennis Today at 541-388-3877 or visit www.WillDennisLaw.com to learn more. 160 NW Irving Ave., Suite 204, Bend, OR 97701 Ageless | Page 33
COCOA NEWS
PRESERVING MEMORIES After a fun trip or a special event, keep the memories alive with scrapbooking.
Everyone loves looking back on good memories, looking through old pictures or little keepsakes from the past. Creating a scrapbook is an enjoyable activity for all ages, but for seniors it’s a wonderful opportunity to celebrate their personal adventures — from days gone by or recent trips — while incorporating the newer experiences of more recent generations. Scrapbooking is a terrific way to not only store your pictures but to help keep the memories alive, to preserve photos, document family history, record travels and adventures, and create a beautiful keepsake. The best part about scrapbooking is you don’t necessarily have to be artistic to create one. Scrapbooking can be as easy as putting photos and trinkets in a photo album. Scrapbooking can help refresh memories as well as keep their mind and hands busy.
Getting Started A common form of making a scrapbook is by creating an arrangement of photos. Photos can be arranged either chronologically or by special grouping such as family gatherings, vacations, birthdays, holidays or individuals. Stickers or handwritten captions can be added within the pages of the book to add personalization Page 34 | Ageless
and clarification. Embellishments can be used to add texture or the illusion of a small frame. Other items to include could be pressed flowers, ticket stubs, birth announcements or theater guides Not sure where to start? Below are a few simple tips: Get Organized — Gather all of your materials (materials can be found at craft stores). Think Chronologically — Put all of your photos in chronological order. Lay It Out — Lay out scrapbooking paper, tape and decorations.
Pick a Theme — Consider if it’s a vacation, wedding, holiday, etc. Start a Layout — Before gluing and taping, lay out the photos, postcards, invitations, etc. on the scrapbook paper the way you want them to look. Share Your Artwork — The best part about creating a scrapbook is being able to share it with others.
Digital Scrapbooking As more seniors go online and learn about software programs, they soon find out they
can do more with their computers. At first computer technology can seem intimidating, but the benefits for seniors that have computer skills are endless, especially for those whose health or lack of transport keep them close to home.
When learning about computers, it is a great idea to start somewhere fun, and one activity seniors seem to really enjoy is photo editing and digital scrapbooking. This hobby can bring hours of fun and enjoyment. Digital scrapbooking supplies, such as paper scrapbooking supplies, can have themes and special embellishments. A great gift for seniors might be digital scrapbook training, which would allow them to start a new hobby that connects them to the past, present and future. It would enable them to preserve the greater
March 2015 Currlculum Oregon National Parks Part I Mount Mazama: The Angry Warrior
Thursday, March 19th at 2:30 Nestled in the North of Klamath County and to the south of Deschutes County, rests the remains of Mt. Mazama. A large, volcanic mountain that the natives called “The Angry Warrior.” Please welcome back Joe Polk, as he delves into the history, legend and majesty of the beautiful legacy of Mt. Mazama.
family history that only they could write and scrap about. Whether scrapbooks are created in paper or digitally, they are more than photo albums. Scrapbooking is all about preserving memories. A scrapbook reflects our need to tell stories and share our lives.
Oregon National Parks Part II Crater Lake: The Jewel of Central Oregon
Thursday, March 26th at 2:30 Thousands of years ago, Mt. Mazama erupted in molten rock and ash, hurdling automobile sized cannon balls of obsidian, lava, and fireballs for miles. When Mazama calmed and cooled what was left was a large caldera that would become the wonderful and beautiful Crater Lake. Joe Polk returns to present part II of this series as he unwraps the beauty of what would become “The Jewel of Central Oregon”.
April 2015 Curriculum The Building Blocks for Writing a Book Part 1 Thursday, April 2nd at 2:30
COCOA BRIEFS Meals on Wheels Roundup
New Staff Members
The Central Oregon Council on Aging (COCOA) is bringing attention to senior hunger prevention through its “Meals on Wheels Roundup” public awareness campaign. According to the Meals on Wheels Association of America, more than 120,000 Oregon seniors struggle with hunger, but 40 percent of them receive Meals on Wheels. To help address senior hunger in Central Oregon, COCOA encourages the public to: share information about Meals on Wheels with family, friends or community members in need. Volunteer to be a Meals on Wheels driver; or donate to COCOA or a senior center. For information, contact COCOA at 541-678-5483.
The Central Oregon Council on Aging is pleased to announce the addition of two new staff members. Melissa Melby has filled the role of Receptionist/AdMelissa Melby min Assistant. In a new position, Dawn Kirkpatrick will be coordinating the new Gatekeeper and Options Dawn Kirkpatrick Counseling programs, as well as assisting case managers. Stop by the office and meet our new staff!
Award winning author and college educator, Kathryn Mattingly, will introduce us to the art of novel writing. We will discuss those essential building blocks for the fiction book or memoir you might wish to pen one day. Plot, setting, theme, characterization, point of view and dialogue will all be covered. What is the heroes’ journey and how does a writer weave a tale into a page-turning best seller? Be prepared to be inspired to write that novel you’ve been putting off. Understanding these basics is the first step.
The Building Blocks for Writing a Book Part 2 Thursday, April 9th at 2:30
Award winning author and college educator, Kathryn Mattingly returns for Week II of “The Building Blocks for writing a Book:. In part II, she will cover the art of characterization, point of view, and dialogue. Don’t miss this two part series, who knows your book could be the next best seller!
Acupressure Points for Daily Health and Vitality Thursday, April 16th at 2:30
Please welcome back Alzada Magdalena, a licensed acupuncturist whose interests in healing began in her early childhood while living in Japan, Hong Kong and various countries in Africa. During this time, she was able to observe native healers at work. Many minor problems in daily life are quickly alleviated by using simple acupressure points. Headaches, constipation, anxiety, and mild asthma can be helped by using the relevant points. You can be in control of your life without drugs, and change the way you feel in a matter of minutes!
Ancient Aliens: Monoliths, Giants, & Extraterrestrial Gods. Thursday, April 23rd at 2:30 pm
Chariots of the Gods was the beginning of the movement to uncover lost knowledge; humans a species with amnesia, are now unearthing the proof of an ancient alien presence on earth in the distant past. This lecture will introduce you to a world of forbidden knowledge.
Space is limited so register today! aspenridgeretirement.com Ageless | Page 35
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Ageless EVENTS & ENTERTAINMENT CALENDAR The following is a selection of events. For more options and information, visit WWW.BENDBULLETIN.COM/EVENTS.
THEATER “THE WIZARD OF OZ”: A performance of the classic musical by the MVHS Music and Drama departments; 2 and 7:30 p.m. March 14; $8, free for children six and younger; Mountain View High School, 2755 NE 27th St., Bend; 541355-4400. “THE BLUEBIRD PRINCE”: A play about King Oxymoron and his second wife, Caveatta seeking husbands for their daughters, Flordelisa and Trouty, with a wicked stepmother and Prince Charming; 1 p.m. March 14; $6, $3 for children 12 and younger; Journey Church, 70 NW Newport St., Bend or 541-306-7275. “WHAT EVER HAPPENED TO BABY JANE”: A play about Jane, her older sister Blanche and a suspicious accident; 7:30 p.m. March 14, 3 p.m. March 15; $19, $16 for students and seniors; 2nd Street Theater, 220 NE Lafayette Ave., Bend; www.2ndstreettheater.com. “THE LANGUAGE ARCHIVE”: A play about a man consumed with preserving and documenting languages who is at a loss for words when it comes to his own life; 7:30 p.m. March 14, 19, 20, 21; 2 p.m. March 15; $20, $16 for seniors, $13 for students; Cascades Theatre, 148 NW Greenwood Ave., Bend; www.cascadestheatrical.org or 541-389-0803.
MARCH SATURDAY, MARCH 14 BMC HEALTH AND WELLNESS EXPO: Learn about healthy lifestyles, preventive screenings and health education; 9:00am; The Riverhouse Convention Center, 3075 U.S. Highway 97, Bend; info@bmctotalcare.com or 541-550-4640 AMERICAN RED CROSS BLOOD DRIVE: Identification
required, call for appointment; 9 a.m.; Bend Blood Donation Center, 815 SW Bond St., Suite 110, Bend; www.redcrossblood. org or 800-RED-CROSS. ARTIST SATURDAYS: A pop-up show with art by more than 40 local artists; 10 a.m.; The Armature, 50 SE Scott St., Suite 2, Bend or 541-390-7666. CANINE EYE CERTIFICATION FOR HERITABLE DISEASE: Eye certification clinic is sponsored by the Mount Bachelor Kennel Club. Canine Good Citizen testing will also be offered for $5 per test. Preregistration required. Appointments begin at 10 a.m.; 10 a.m.; $25; DeBruts K-9 Country Training, 65960 61st St., Bend; www.mbkc.org or 541-382-7752. ST. PATRICK’S DAY DASH: 5K dash to benefit the Kids Center, featuring costumes, live music and more; 10:05am; $35, $15 per child; Deschutes Brewery & Public House, 1044 NW Bond St., Bend; www.bendstpatsdash.com/. KNOW AFRICA: AFRICAN ADVENTURE: Learn about Chandra vanEijnsbergen’s time volunteering at a reserve in South Africa, working with biologists studying lions, hyenas, elephants and rhinos and at a cheetah sanctuary in Namibia; 11 a.m.; Sunriver Library, 56855 Venture Lane, Sunriver; www.deschuteslibrary.org or 541-312-1034. FREE TAX PREPARATION SESSIONS: Offered by the AARP Foundation Tax-Aide and United Way of Deschutes County, walk-ins available; noon; Downtown Bend Public Library, 507 NW Wall St, Bend; www.cashoregon.org/taxprep.html. FOLLOW THE FORK TOUR: DOWNTOWN: Join our Culinary Adventurer on a walking tour of downtown Bend. We will sip and sample our way through local vendors, producers, chefs, and roasters; 1 p.m.; $45; Bend Visitor Center, 750 NW Lava Road, Suite 160, Bend; www.visitbend. com/Bend_Oregon_Activities_Recreation/bend_oregon_ events_calendar/Follow-the-Fork-Tour-Downtown_9. KNOW AFRICA: AFRICAN DRUMMING & DANCE: Learn about West African drumming with local instructor David
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Visiko; 2 p.m.; La Pine Library, 16425 First St., La Pine; www. facebook.com/events/707029336076693/ or 541-312-1034. “TO LIGHT A CANDLE”: A screening of the 2014 film about Iran stopping Baha’i’s from teaching and studying at universities; 2 p.m.; St. Helen’s Hall, Trinity Episcopal Church, 231 NW Idaho Ave., Bend; www.bendbahai.org or 541-388-1467. COCC COLLEGE CHOIR AND VOCAL ENSEMBLE: The college choir and vocal ensemble present a variety of music; 7 p.m.; Central Oregon Community College, Wille Hall, 2600 NW College Way, Bend or 541-383-7510. BEND COMMUNITY CONTRA DANCE: Featuring a caller and music by the High Country Dance Band, workshop at 7 p.m., dance at 7:30 p.m.; 7:00pm; $9.00; The Boys & Girls Club, 500 NW Wall St., Bend; www.bendcontradance.org or 541-330-8943.
SUNDAY, MARCH 15 FREE TAX PREPARATION SESSIONS: Offered by the AARP Foundation Tax-Aide and United Way of Deschutes County, walk-ins available; 12:00pm; Downtown Bend Public Library, 507 NW Wall St, Bend; www.cashoregon.org/taxprep.html. BINGO: 12:30 p.m.; American Legion Post #44, 704 SW Eighth St., Redmond or 541-548-5688. “THE MAGIC FLUTE”: A full-length opera about a young man and his sidekick; 3 p.m.; $20-$45; Central Oregon Community College, Pinckney Center for the Arts, 2600 NW College Way, Bend; www.operabend.org or 888-718-4253. AUTHOR PRESENTATION: G. Elizabeth Kretchmer will speak about her novel “The Damnable Legacy of A Minister’s Wife”; 4 p.m.; Dudley’s Bookshop Cafe, 135 NW Minnesota Ave., Bend; www.gekretchmer.com/ or 425-495-3724.
MONDAY, MARCH 16 LIVING WELL WITH DIABETES: Learn how to feel better and manage your condition more effectively; 1:30 p.m.; $10;
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Ageless EVENTS & ENTERTAINMENT CALENDAR Heart and Home Hospice, 920 SW Emkay Drive, Suite 104, Bend; www.livingwellco.org or 541-322-7430. POWERFUL TOOLS FOR CAREGIVERS: A six-week self-care workshop to provide caregivers with tools to better handle challenges they face; 2 p.m.; Bend Villa Retirement, 1801 NE Lotus Drive, Bend or 541-678-5483. NO PAIN - LIFE GAIN: ANTI-INFLAMMATORY FOODS: Learn which foods can contribute to inflammation and aggravate chronic pain; 5:30 p.m.; Healing Bridge Physical Therapy, 404 NE Penn Ave., Bend or 541-318-7041. “20 FEET FROM STARDOM”: A documentary about the lives of singers Darlene Love, Judith Hill, Merry Clayton, Lisa Fischer, Táta Vega and Jo Lawry; 7:00pm; $14.00 plus fees; The Tower Theatre, 835 NW Wall St., Bend; www.towertheatre.org or 541-317-0700.
TUESDAY, MARCH 17 FREE HEALTH CLASSES: 6 p.m.; 2ChirosMission Chiropractic at Brookswood Plaza, Bend; www.drwna.org/upcoming-event-calendar.html.
WEDNESDAY, MARCH 18 SHOES, BREWS, AND VIEWS, SNOWSHOE TOUR: Snowshoe off trail to enjoy a gorgeous view of the Cascade Mountains of Oregon!; 1:30 p.m.; $70; Wanderlust Tours, 61535 S. Hwy 97, Suite 13, Bend; www.visitbend.com/Bend_Oregon_Activities_Recreation/bend_oregon_events_calendar/ShoesBrews-Views-Snowshoe-Tours_1_16. UNDERSTANDING YOUR GRIEF: A six-week workshop for anyone who has lost a loved one and needs help understaning their grief; 2:30 p.m., registration required; Dudley’s Bookshop Cafe, 135 NW Minnesota Ave., Bend or 541-706-6700.
THURSDAY, MARCH 19 NO PAIN - LIFE GAIN: MANAGING STRESS: Learn to man-
age your Brain-Pain experience with simple stress reduction techniques; 5:30 p.m.; Healing Bridge Physical Therapy, 404 NE Penn Ave., Bend or 541-318-7041. AUTHOR PRESENTATION: Tim Palmer, author of “Field Guide to Oregon Rivers,” will speak; 6 p.m.; $5; Paulina Springs Books, 422 SW Sixth St., Redmond or 541-549-0866.
FRIDAY, MARCH 20 CAREGIVER TRAINING: UNDERSTANDING MEDICINES: Learn about understanding medicines in older adults; 9:00am registration required; Red Lion Hotel, 1415 NE Third St., Bend or 800-930-6851. AUTHOR PRESENTATION: Tim Palmer, author of “Field Guide to Oregon Rivers,” will speak; 6:00pm; $5.00; Paulina Springs Books, 252 W. Hood St., Sisters or 541549-0866.
SATURDAY, MARCH 21 2015 REGIONAL BREAST CANCER ISSUES CONFERENCE: Lillie Shockney, RN, BS, MAS, will speak on “Finding Humor where you least expect it: A Nurse’s personal journey with Breast Cancer”; 8:00am; $15.00 for general public, $65 for professionals seeking CEU’s; St. Charles Medical Center, 2500 NE Neff Road, Bend; www.stcharleshealthcare.org or 541-7067743. FREE TAX PREPARATION SESSIONS: Offered by the AARP Foundation Tax-Aide and United Way of Deschutes County, walk-ins available; 12 p.m.; Downtown Bend Public Library, 507 NW Wall St, Bend; www.cashoregon.org/taxprep.html.
APRIL WEDNESDAY, APRIL 1 SHOES, BREWS, AND VIEWS, SNOWSHOE TOUR: Snowshoe off trail to enjoy a gorgeous view of the Cascade Mountains
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of Oregon!; 1:30 p.m.; $70; Wanderlust Tours, 61535 S. Hwy 97, Suite 13, Bend; www.visitbend.com/Bend_Oregon_Activities_Recreation/bend_oregon_events_calendar/ShoesBrews-Views-Snowshoe-Tours_1_18. SOCIAL SECURITY AND HEALTHCARE: Learn about retirement planning and social security, part of the Baby Boomer Financial, Health and Wellness Series; 5:00pm; BMC Old Mill District Clinic, Bend or 541-905-9064.
THURSDAY, APRIL 2 FOLLOW THE FORK TOUR: WESTSIDE: Join our Culinary Adventurer on a walking tour of westside Bend. We will sip and sample our way through local vendors, producers, chefs, brewers, and roasters; 1 p.m.; $45; Meet at Backporch Coffee Roasters, 70 SW Century Dr, Bend; www. visitbend.com/Bend_Oregon_Activities_Recreation/ bend_oregon_events_calendar/Follow-the-Fork-TourWestside_12. FIRST FRIDAY ART WALK: Event includes art exhibit openings, artist talks, live music, wine and food in downtown Bend and the Old Mill District; 5 p.m.; throughout Bend. SPRING ART HOP: Stroll downtown Bend and the Old Mill District to enjoy art, wine, music, food and fun as we celebrate our community and the arts; 5 p.m.; Downtown Bend Library, 601 N.W. Wall Street, Bend; www.visitbend.com/Bend_Oregon_Activities_Recreation/bend_oregon_events_calendar/ First-Friday-Art-Walk_2.
WEDNESDAY, APRIL 8 MEDICARE AND ASSISTING AGING PARENTS: Learn to help aging parents in the most dignified way, part of the Baby Boomer Financial, Health and Wellness Series; 5 p.m.; BMC Old Mill District Clinic, 815 SW Bond St., Bend or 541-9059064.
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