Ageless

GARDEN GURU A GREEN THUMB WITH A SKIP IN HIS STEP

WOODY’S WAY THE STORY OF YOU In Partnership With Sponsored By

ADVER T I S ING SUPPLEMEN T

2 | Ageless | The Bulletin

Ageless

Spring 2013

Ageless Features Living Life Woody’s Way ............................................ 5 Bob Woodward’s many roles in Central Oregon — writer, photographer, cyclist, politician and actor — make him a local legend.

The Good and the Bad ..............................................15 When considering the amount of carbs and fat in your diet, remember that each group can be divided into ‘the good’ and ‘the bad.’

Green on Both Thumbs.............................................21 High desert garden guru, Doug Stott, faces every day with a green thumb and a skip in his step.

Card Sharks .............................................................27 The camaraderie of old friendships disappears behind a wall of concentration once local bridge clubs begin competition.

Information & Advice Contributors ................................................................................. 4

A 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.

To Your Health: The Power of Positive Aging ........................... 11

All content is the property of The Bulletin/Western Communications, Inc. and may not be reproduced without written permission.

Mind Your ‘Network of Qi’ ......................................................... 12

Ageless Staff Members

Medicare Advice: The Birthday Rule ......................................... 18

Martha Tiller, Special Projects Manager Ben Montgomery, Special Projects Editor Stacie Oberson, Special Projects Coordinator Nicole Werner, Special Projects Image and New Media Christopher L. Ingersoll, Special Projects Assistant Clint Nye, Graphic Designer Jay Brandt, Advertising Director Steve Hawes, Advertising Sales Manager

Telling the Story of You ............................................................. 24 World-Class Guest: Ashton Eaton Visits Seniors ...................... 26 Financial Security: Maximize Social Security........................... 30 Legal Advice: Avoid DIY Estate Planning .................................. 33

COCOA News Message from the Director: Meet the Board ............................. 35 Connecting You to Vital Services .............................................. 37 Events Calendar ......................................................................... 38

Story ideas may be submitted for consideration to Ben Montgomery, editor.

Contact him at 541-383-0379 or via e-mail at bmontgomery@bendbulletin.com.

For advertising, call 541-382-1811.

Published Saturday, March 16, 2013 To subscribe or learn more about all our publications, please call 541-385-5800 or visit us at www.bendbulletin.com.

Cover photo/illustration of Sherry and Doug Stott, Redmond, by Nicole Werner.

Ageless | Early Spring 2013 | 3

Ageless CONTRIBUTORS ANNISSA ANDERSON, a Bend freelance writer and public relations consultant, is also a culinary school grad and worked as a pastry chef. She writes regularly for The Bulletin and other local publications and was a contributing writer in a recent edition of Best Places Northwest. Though she’s lived in the Northwest for the past 20 years, she spent her childhood living and traveling abroad.

Writer and singer/songwriter LAUREL BRAUNS is a regular contributor for The Bulletin, Bend Living and VisitBend.com. She is currently teaching guitar and exploring Bend’s legendary running trails. She performs music around town with her band, the Sweet Harlots.

Decisions made in the past may no longer be what’s best for the future. To help keep everything up to date, Edward Jones offers a complimentary financial review.

An avid crocheter and origamist, JOHN CAL worked as a baker, head chef, ukuleleist and snowcat 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 100-plus specimen collection (and counting) — and lives in Sisters with his dog, Hank.

A financial review is a great opportunity to sit face to face with an Edward Jones financial advisor and develop strategies to help keep your finances in line with your short- and long-term goals.

Former Bulletin business reporter turned international teacher, JEFF MCDONALD, has returned to Bend following a three-year sojourn in the Middle East. When he’s not traversing the globe, he enjoys the seasons, the laid-back culture, and the people of Bend.

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 six 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.

KATHY OXBORROW is a writer and consultant who helps her clients tell their stories in a compelling way.

Her avid curiosity and inquisitive mind bring a fresh perspective when conducting research or interviewing people. Kathy grew up on a Nevada cattle ranch and, after stints in San Francisco and Portland, returned to her rural roots. She enjoys riding her horse, Sara.

NATE PEDERSEN is a Community Librarian with Deschutes Public Library. He also moonlights as a freelance journalist. He lives in Bend with his author wife, April Tucholke, and their, dog. His website is natepedersen.com.

4 | Ageless | The Bulletin

Boundless: The many roles of Bob Woodward

LIVING LIFE

Woody’s

WAY

by Laurel Brauns, for The Bulletin Special Projects

Photos by Nicole Werner & Courtesy of Bob Woodward

Bob Woodward’s many roles in Central Oregon — writer, photographer, cyclist, politician, actor — MAKE HIM A LOCAL LEGEND. Most know Bob Woodward as Bend’s former mayor and as one of the godfathers of mountain biking, but “Woody,” as he is known to both friends and acquaintances, has also spent some time on the stage as both an actor and director. Perhaps this is why he slides so easily between roles in his own life.

“I’ve always been a wanderer and an experimenter,” Woodward said.

“When I was in second grade, they had to tie me to my desk because I would just get up and go exploring in the middle of class.”

Woodward led a flourishing career as one of the nation’s most successful outdoor journalists, which propelled him around the world many times over. But his other aspirations and careers are equally as noteworthy.

Ageless | Early Spring 2013 | 5

opportunity to give back.”

His philosophy surrounding volunteerism was shaped by his involvement in the “Students for Kennedy” C a mpa ig n du r i ng h i s senior year at Tr init y College in Connecticut.

With his dreams of

Consider some of the varying parts he’s played during his life: • A t o n e t i m e, h e planned to join the seminary and become a minister; • He went to Manhattan every other weekend in college in hopes of learning the ropes as a jazz critic; • He spent most of his 20s as a stock trader for a big-time San Francisco securities firm; • He cut cloth for tents and sleeping bags for Sierra Designs in Berkeley; • He was in the Screen Actors Guild and was employed as a commercial actor and made his own film; • He worked for Patagonia as a photographer; • His progressive campaign for Bend City Council in the early 90s was featured in the New York Times; • And he was recently inducted into the Mountain Bike Hall of Fame.

“I do think it was one of the keys to happiness throughout my life to be involved in so many things,” Woodward said. “The photography was an artistic visual expression, a break from writing; politics and volunteering has given me a great 6 | Ageless | The Bulletin

the seminar y dashed by his own wanderlust, the campaig n gave Woodward another place to channel his desire to help people.

Kennedy’s platfor m instilled a lifelong belief in giving back to the communit y. Dur ing his time on Bend City Council in the 1990s, for instance, Woodward pushed for improvements to downtown Bend like new sidewalks, benches and flowers.

But a lot of his real work was behind the scenes.

“It was the best of times, and the worst of times… I learned a lot of patience,” Woodward said. “We were trying to transform a system run by the ‘good old boys.’ Our campaign was called ‘Men Without Ties’… it’s a double entendre.”

Throughout his years in Bend (1978 - present), Woodward has also lent his talents as a board member on various Bend nonprofits including the Deschutes Land Trust, Bend Park

& Recreation District, and Cascade School of Music, where Woodward was instrumental in transitioning the school from the eastside into the old Parks and Rec building off Portland Avenue.

Another one of Woodward’s lasting legacies is his involvement in the Central Oregon Trail Alliance (COTA), a local mountain biking organization that is considered one of the strongest in the country.

Woodward was nominated into the Mountain Biking Hall of Fame (MBHF) by COTA member Paul Hammerquist and was inducted la s t ye a r. I n h i s nom i nat ion, Hammerquist cited Woodward’s early advocacy of the sport as a journalist, his colorful presence on the race circuit (where he was called Reverend Lester Polyester), and his authorship of the definitive guide to the sport for Sports Illustrated in 1991.

“Yes, he used to race in crazy poly s u it s… way before Ga r y F i s h e r t h o u g ht it w a s c o ol,” said Paul Thomasberg, another MBHF inductee and a Bend local.

“Seriously though, I think Bob had a better idea than most about what the future could look like [for mountain biking.]

“Indirectly, the community owes some thanks to Bob… the integration of cycling events into the fabric of our community has pulled us through some tough economic times.”

When asked about his accomplishments and contributions, Woodward would rather sidetrack on to some hilarious story or great adventure: how he jump-started the kayaking scene in Bend by convincing 40 friends to go in on a shipment of Hollowform boats in the 80s; the month he spent climbing, skiing and kayaking near Denali in Alaska; his ski touring expedition on the Wapta Icefield in Canada.

One of the coolest parts about Woodward’s stories is that he has the photos to prove them… many, w h i c h l o o k v a g u e l y f a m i l i a r, alluding to the expanse with which

“I do think it was one of the keys to happiness throughout my life to be involved in so many things. The photography was an artistic visual expression, a break from writing; politics and volunteering has given me a great opportunity to give back.” they have circulated.

At 73, he ma i nt a i n s a com m it ment to a balanced life of family and friends, volu nteer ing, hea lt h a nd f it ness, a nd appreciation for the arts.

He has two grandchildren (Lizzy and Kayla) in Bend that he sees often, and he and his wife, Elieen (of 35 years), serve on the Vision and Planning Committee for the Bend Senior Center.

Almost ever y day, he swims and lifts weights at Juniper Fitness Center in Bend, and he rides his bike for fun and transportation as often as he can.

“It takes some dedication to get up and go to the gym every day, but after watching my father’s health slip toward the end of his life, I made the commitment,” Woodward said.

This routine doesn’t prevent him for indulging in a pint or two when the occasion arises. He could actually write it off as research: he’s authored the definitive guide to Central Oregon’s craft breweries, called “Bend Brews,” which has sold out.

Woody’s large presence in Bend has made him no stranger to controversy, but we’d be hard-pressed to find another public figure who has made an indelible mark in so many varied arenas.

“Of all the bad magicians, Woody is the worst,” said Kevin Max, a longtime editor (and drinking buddy) of Woodward’s. “He’s the only guy I know who can ride Peterson’s Ridge, start and file a competent story, then bike down to the pub to meet you for a pint—all in a couple of hours.”

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Ageless TO YOUR HEALTH

The Power of

POSITIVE

AGING

by Gregg Morris, for The Bulletin Special Projects Photos by Nicole Werner

Stephanie Costello, clinical social worker

We could all do with a little less stress in our lives, especially when that stress comes from within.

Positive thinking is a powerful tool to help with stress management and make aging a more enjoyable process. Keeping optimistic as we get older can be an important step to a healthy lifestyle.

“Positive thinking is ver y impor tant,” said local licensed clinical social worker, Stephanie Costello. “It affects our outlook and mood which in turn impacts problemsolving and relationships which are so important to happiness and positive aging.”

Positive t h in k ing means you c an approach the undesirable qualities of life in a more positive and productive manner. It is an ability to turn pessimism into optimism. Beginning with self-talk, or the unspoken thoughts in your head, positive thinking controls your outlook on life.

“Our minds are active 24-7, and we cannot control the automatic thoughts

Ageless | Early Spring 2013 | 9

“Positive thinking is very important. It affects our outlook and mood which in turn impacts problemsolving and relationships...”

that enter our minds,” Costello said.

“But we can learn to control our response to these automatic thoughts.

We can step back and evaluate our thoughts and decide whether to engage with them.”

By controlling our self-talk and positive thinking, we can realize the health benefits that go along with it.

lets us better cope with stress, which reduces the harmful health effects of stress on your body.

Another theory lies in the fact that optimistic people tend to lead healthier lifestyles by getting more exercise, eating better and not smoking or drinking to excess.

Health Benefits of Positive Thinking

“Human beings are designed with a sympathetic nervous system that triggers our fight or flight responses,” said Laura Cheshire, nurse practitioner and owner of the Laura Center. “Early on, we learned to make assumptions that automatically leaned toward the worst case scenario. Our bodies are conditioned to think stress is danger.

This helped our survival. The problem is nowadays stress is different.”

There are several forms of negative thinking and self-talk.

Filtering is when you focus on the negative aspects of the day while filtering out all of the positive ones.

Per s ona l i z i ng o c c u r s when you automatically blame yourself when

Researchers continue to study the effects of positive thinking and self-talk on our health. Studies are showing that some of these benefits may include a longer life span and lower rates of depression and distress.

By keeping optimistic, we have a greater resistance to the common cold and better psychological and physical well-being. Staying positive reduces cardiovascular disease and gives us better coping skills during times of stress.

There is not much research on why positive people enjoy these benefits.

It is possible that a positive outlook

10 | Ageless | The Bulletin

Negative Thinking

something bad happens. Catastrophizing lies in your anticipation for the worst case scenario. Lastly, polarizing makes you feel like you have to be perfect or you will be a failure.

From a physical and emotional standpoint, none of this, if unchecked, is particular good for your health.

“As soon as there is danger (stress), our bodies respond,” Cheshire said. “It is good because it saves our lives. But, it is bad because if people don’t learn the techniques to let go of the stress, you always respond. Your heart rate stays up, which leads to cardiovascular disease. Stress also has a negative effect on our immune system. For example, people tend to get colds when on vacation.”

Turning the Negative Positive There are many things we can do to put a positive spin on our negative self-talk.

Phrases such as “If life gives you lemons, make lemonade” and “Necessity is the mother of invention” highlight a couple of ways to think positively.

“It is never too late to work on our attitudes a nd t h in k ing pat ter n s,” Costello s aid.

“Since we are creatures of habit, this may be especially so as we make transitions to different stages of life.”

While you can’t expect to turn yourself into an optimist overnight, you can immediately start to change your self-talk from selfcriticism to self-acceptance. An optimistic state of mind handles stress easier and more constructively.

There are several different activities people can do to help alleviate stress and cut down on the negative self-talk. They all center around a positive outlook and teach you how to enjoy the benefits of positive thinking.

“People can write out positive affirmations, read from some of the nice sets of affirmation cards available today or read spir itual materials to help reinforce their intention to change their thinking,” Costello said. “Each morning, for instance, I read a positive affirmation and then apply it throughout the day to help stay positive.”

“A gratitude journal works well,” Cheshire added. “Every day, write five things you are happy for. It makes you notice the good that is all around us. Also, three deep breaths will trigger your parasympathetic nervous system and enable your body to rest.”

STAYING POSITIVE Studies show optimism can affect areas of your health and well-being. Positive thinking is a major player in effective stress management, which is linked to many health benefits. Here are some tips from the Mayo Clinic to help stay positive:

• IDENTIFY AREAS TO CHANGE: Start small by choosing one area to act more positive.

• CHECK YOURSELF: Take some time during the day to make sure your staying positive.

• BE OPEN TO HUMOR: When you can laugh at life, you feel less stressed.

• FOLLOW A HEALTHY LIFESTYLE: Exercise, eat well and manage stress.

• SURROUND YOURSELF WITH POSITIVE PEOPLE: Negative people tend to increase stress levels of those around them.

• PRACTICE POSITIVE SELF-TALK: Don’t say anything to yourself that you wouldn’t say to someone else.

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MIND YOUR NETWORK OF

QI

by John Cal, for The Bulletin Special Projects Photos by Nicole Werner

12 | Ageless | The Bulletin

What it looks like can manifest as so many different things — sitting, standing, lying down. You sometimes use your breath, sometimes not.

It may also take no external form at all and simply be an idea, a thought, the mind internally moving energy through the body.

S omet i mes con f u s ed w it h T’a i ch i, qigong’s roots actually predate T’ai Chi’s by a few thousand years, first being depicted in pictograph form on now 7,000 year old Neolithic pottery. And though the concepts and discipline of qigong have longstanding roots as a part of Eastern medicine, the seemingly ethereal ideas used to describe what qigong actually is and does can leave Westerners perplexed.

“Picture gentle, slow movements,” said Stephen Foster-Wexler, local acupuncturist and certified qigong instructor, “but what it looks like on the outside is not all of what is happening.”

Foster-Wexler was first introduced to the practice of qigong in 1993 and began to deepen his understanding of the discipline when taking acupuncture training from the Oregon College of Oriental Medicine in Portland. He moved to Bend in 2003 and has been teaching private lessons and classes through COCC and the Bend Senior Center.

“All forms of qigong are about working with the universe’s vital energy [called qi],” he continued. “Qigong is about having enough qi, building qi in your body through intaking

Certified qigong instructor Stephen Foster-Wexler (above and below) demonstrates the fluid motion for which qigong is known.

energy, cleansing qi, dispensing the toxic energy one has in the body — similar to how you exhale carbon dioxide when you breath — and making sure the qi that is in your body is able to flow uninhibited through your body without blockages.”

Foster-Wexler likened this movement of energy, this “network of qi,” to blood flowing through arteries and subsequent blood vessels.

“The qi has to be able to flow through the body for the energy to be balanced,” he said. “Pain and disease start to develop when there’s a blockage.”

And while the concepts seem intangible to most in Western society, qigong is a regular part of treating everything from depression to arthritis to cancer in Eastern medicine.

“It’s not ‘wuu wuu’,” said Joyce Burke Brown in mocking gibberish indicative of how some skeptics

view Eastern methods. “It’s 5,000 years old. It’s time tested and proven. It’s just a different way to think about how our bodies work. It’s of a science that we in Western medicine don’t know.”

Brown, a member of the International Qigong Society and certified qigong instructor, has been a qigong instructor for 10 years and currently teaches through Sisters Park and Recreation in Sisters, Oregon, where classes are full and often have waiting lists for attendees.

“I think people are opening up to so many different possibilities,” Brown said, “and the ideas of body, mind and spirit are not as foreign as they used to be. People are beginning to believe in what we’re able to do for our own bodies, and the beauty of qigong is that we can feel empowered to have an impact on our own health.”

Brown also received her training from the Oregon College of Oriental Medicine and teaches the Soaring Crane method of qigong — a practice that includes 144 moves broken up over five sequences and, in it’s long form, takes about 45 minutes.

“They’re extremely slow movements, focused,” Brown said. “We start off with a very relaxed environment, an internal environment, a place of quiet. That’s how you learn how to move the qi.”

Brown began delving into the discipline as she discovered her own needs for more balance and healing. Suffering from plantar fasciitis, Brown found she had trouble walking, trouble moving.

An occupational therapist by trade, Brown turned to exploring what qigong could do for her.

“It was through my qigong practice that a balancing in my system occurred,” she said.

“THE QI HAS TO BE ABLE TO FLOW THROUGH THE BODY FOR THE ENERGY TO BE BALANCED. PAIN AND DISEASE START TO DEVELOP WHEN THERE’S A BLOCKAGE.”

Ageless | Early Spring 2013 | 13

“Just give it a try.

It’s so effective, and it’s the least expensive remedy you’ll find.”

14 | Ageless | The Bulletin

Brow n admit s that there were many other factors in her healthy living regimen besides qigong that contributed to her wellness but says that qigong was definitely the “icing on the cake” in her journey to recovery.

Irene Bernstein of Bend also turned to qigong to increase her wellness.

“I’ve had chronic fatig ue syndrome for many years and tried many different ways like PT to work on it without much progress,” Bernstein said.

She started attending FosterWexler’s class at the Bend Senior Center and immediately saw improvement.

“It was quite dramatic,” she said. “With my low energy, it was diff icult to do nor mal things like going to the grocery store, and qigong has brought

me a feeling of well-being I just didn’t have before.”

Because of her health issues, Irene often found it difficult to exercise using traditional methods, “but qigong is so gentle and slowly conditioned my body so I’ve begun to feel stronger and healthier.”

If any thing has been surprising to Bernstein in this process, it is that more people don’t even know what qigong is, let alone give it a chance. But she hopes to change that.

A s she t a l k s a b out her renewed health and well-being, she gushes with how much her practice has improved her life.

“I just would love to share i t w i t h t h e c o m m u n i t y,” Bernstein said. “Just give it a try. It’s so effective, and it’s the least expensive remedy you’ll find.”

the

the

GOOD & BAD When you’re considering the amount of carbs and fat in your diet, remember one important thing: some are helpful while others are detrimental to your health.

THE KEY IS TO KNOW WHICH IS WHICH.

by Annissa Anderson, for The Bulletin Special Projects | Photos by Nicole Werner

We all need to eat, but it is not always easy to make healthy food choices.

Many foods, take for instance fats and carbohydrates, can be either really helpful or extremely detrimental to our health over the long run. Knowing about and making healthy food choices can improve the way you feel and help to ward off chronic diseases like diabetes and heart disease.

“Every food is on a continuum of health,” said Frankie Mauti, a registered dietitian with St. Charles Health System.

While it may be impossible to eat foods on the healthiest end of the continuum 100 percent of the time, Mauti recommends eating mostly health-promoting foods, while allowing for the

occasional treat.

Some of the foods that really r un the gamut of the health continuum are fats and carbohydrates. So-called “good fats” and “good carbs” can be salubrious, whereas “bad fats” and “bad carbs” may be dangerous to our health.

Making healthy choices in the fats and carbohydrates you consume can be a difficult path to maneuver, given the ambiguity caused by marketing and food packaging. Here are some ideas that may help you choose better foods.

Fats to favor

A good r ule of thumb is to cook with vegetable fats that are whole foods or are

minimally processed. The best cooking oil is extra-virgin olive oil, said Mauti, because it is less processed.

“Usually, with each step of processing in foods, more and more of the nutrients are lost,” said Mauti.

Whole foods containing monounsaturated and polyunsaturated fats such as raw nuts, olives, avocado and f lax, sunf lower and pumpkin seeds, can actually decrease the risk of cardiovascular disease and help lower LDL cholesterol levels.

Making these foods part of your daily diet — in place of high-fat dair y products like cheese and high-fat animal products like egg yolks, sausage and bacon — can be a healthAgeless | Early Spring 2013 | 15

“In general, we know that people who adhere to a Mediterranean-style diet have lower weight, lower risk for diabetes and lower levels of heart disease.”

GOOD

promoting habit. But as in all things, moderation is crucial; even healthy fats are high in calories.

F o o d s w i t h h e a r t- h e a l t h y omega-3 fatty acids, like salmon, mackerel and herring, are good alternatives to high-fat meats and should be eaten at least twice a week, according to Mayo Clinic staff. Other types of fish, like cod, tuna and halibut, have less total fat, saturated fat and cholesterol than do meat and poultry.

Fish to avoid are those with h ig h level s of merc u r y, l i ke swordfish and king mackerel or any fish that has been fried in unhealthy fats.

GOOD

16 | Ageless | The Bulletin

BAD

Trans fats, made with partially hydrogenated oils, are at the u n h e a lt hy end of t h e fo o d s continuum. These fats, found in many processed snacks, baked go o d s, shor t en i ng a nd s t ick margarines, should be avoided completely.

products, like yogurt and kefir, that are low-fat and unsweetened also make healthy daily choices.

Breads, which make up a large part of the American diet, can be substituted for other lessprocessed grains like quinoa, bulgur and barley, said Mauti.

When choosing bread for daily consumption, Mauti recommends choosing those labeled as “100% Whole Wheat.”

Breads made with white flour of fer c a lor ies w it hout much nutrition, as does white pasta and crackers. “ Th i s do es n’t me a n you

GOOD

cocoa content), wh ich of fers health properties because of the antioxidants found in cocoa.

Wa t c h i n g w h i c h k i n d s o f carbohydrates make up the most of your diet can help you to reduce your weight, thereby reducing the risk of diabetes, said Mauti.

“In general, we know that people who adhere to a Mediterraneanst yle diet have lower weight, lower risk for diabetes and lower levels of heart disease,” she said.

The Mediterranean diet is one heavy in fruits, vegetables, whole grains, legumes, nuts, seeds, olive oil, fish and seafood.

BAD

Carbohydrates The Nourish

As with fat s, the best carbohydrates to incorporate in your diet are those that are whole foods or are minimally processed.

High-f iber foods like whole fruits and vegetables, legumes (beans, peas and lentils), and whole grains are the best choices, said Mauti. Cultured dair y

BAD

should never enjoy a baguette,” said Mauti, “it should just be an occasional food.”

Carbohydrates to avoid are sweetened sodas, which offer no nu t r it io na l v a lu e. G re at alternatives to sodas, said Mauti, are unsweetened herbal teas and sparkling mineral water with minimal fruit juice added for flavor.

C om merc ia l ly-made s weet s and candies also add unwanted calories without any nutritional value. A good replacement is dark chocolate (70 percent or greater

To begin practicing healthier eating habits, Mauti recommends people remove foods that are unhealthy from their pantry and refrigerator, replacing them with healt h ier option s. A lso, pla n meals and snacks ahead of time to make sure healthy choices are available.

“Then,” she said, “if you need a treat, go out and get it.”

A diet based on healthy foods, most of the time, will allow you to enjoy an occasional splurge, guilt-free.

Roman-Style Artichokes (Serves 6) This recipe, by Mario Batali, using fresh artichokes simply cooked with olive oil, wine and fresh herbs, exemplifies Mediterranean cooking. Acidulated water is simply water with a few drops of lemon juice or neutral vinegar added.

Ingredients:

1 tablespoon parsley, chopped 3 tablespoons mint, chopped 2 garlic cloves, finely chopped Sea salt 1 tablespoon plus 3/4 cup extra-virgin olive oil 6 artichokes, halved and trimmed of coarse outer leaves, choke removed, held in acidulated water* 1/2 cup dry white wine 3/4 cup boiling water

Method:

In a small bowl, combine the parsley, mint, garlic, salt and 1 tablespoon olive oil. In the cavity of each artichoke half, where the choke was, place 1 teaspoon of the herb mixture. Arrange all of the artichokes in a deep pan in which they fit snugly. Add the wine, boiling water, the remaining 3/4 cup of olive oil and a pinch of salt. Cover and simmer on the stove for 20 to 25 minutes. Serve hot or at room temperature. * Acidulated water is water within which a type of acid was added, often in the form of lemon juice, lime juice or vinegar. Soaking some fruits and vegetables in acidulated water keeps them from browning.

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Ageless MEDICARE ADVICE

Understanding the

BIRTHDAY RULE

‘Birthday Rule’ could save money for Medigap Supplement Members

by Cynthia Hylton, SHIBA Program Field Officer

Oregonians who have Original Medicare and a Medigap Supplement purchased after July 1, 1992 as their health insurance coverage have some new choice options.

This is not a federal ruling; it is specific to Oregon thanks to the Oregon Insurance Division. The new options started on Jan. 1, and the timeline is connected to your birthday, hence you will hear it referred to as the “Birthday Rule.”

Star ting on the day of your birthday and continuing for 30 days after, you may enroll in another insurance company’s Medigap Supplement under Guaranteed Issue status. Some companies are offering a longer timeline for the Birthday

Rule, so you may hear of that as they market to Medicare beneficiaries.

Gua r a nte e d I s s ue proh i bit s the new insurance company you chose from denying you or taking a person’s health history or preexisting conditions into account in determining rates. There are factors like gender, age, zip code and smoking habits that may be used to arrive at a beginning rate quote.

Why might you want to enroll in a different Medigap Supplement insurance company? It may be that you are in a “blocked plan.” This refers to a company which is no longer selling any new policies.

How would that affect you?

It means that no new people are entering the pool of members with whom you are grouped. This also means your premiums will most

likely be rising faster than a plan that is continuing to sell policies to new members. A blocked pool is getting smaller, older and possibly sicker, all issues that affect premium increases.

Premium increases are directly connected to the medical payments the insurance company pays out. A federal rule allows a 65/35 split of medical cost vs. profit ratio. The 65 percent is the amount the company should be paying in medical cost, and the 35 percent is what the insurance company may keep as profit and administrative cost.

So you can see that a smaller pool of members could have a year of many sick members that will cause the entire smaller pool to sustain a substantial premium increase.

Some insurance companies that

are actively selling polices will vary premium cost amounts based on zip codes. If you live in a rural area with a small population, you may also be affected by being in a small group of members.

Consequently, that small group could suffer high medical costs paid by the plan, and the whole groups premiums could end up increasing substantially.

Premium increases can never be applied to just one individual in a group because of medical cost.

The rise in premium costs is always borne by the whole group within the zip code, region or defined area the plan designates.

These are just two situations that impact the cost of your Medigap Supplement premiums. There may be other reasons why a person

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might want to research enrolling in a different insurance company’s supplement plan dur ing their Birthday Rule timeline. Whatever the reasons, know the questions to ask in researching what new insurance company you choose to do business with.

There are rules for choosing which plan within what each company offers. Medigap Supplement plans available are named by alphabet letters A through N, with some letters missing in that range, i.e. E, H, I and J. If you are in one of the missing lettered plans, you are in a blocked plan.

Each letter plan offers a different level of coverage benefits. Basically, you c a n not buy h igher level coverage than you already have; it’s a lateral or lesser coverage type plan you may select. A standard Plan F is considered the most comprehensive coverage.

There is a matrix to assist with u nderst a nd ing wh ich pla n i s open to choose from as well as a spreadsheet showing the coverage benefits and cost share required for each lettered plan.

There is individual counseling available to Medicare beneficiaries navigating the murky waters of insurance language. SHIBA (Senior Health Insurance Benefits Assistance) counselors speak fluent Medicare.

SHIBA offers free, confidential, o b j e c t i ve i n fo r m at i o n a b o u t Medicare and other resources from state and federal programs available to elders and people with disabilities.

There is information available online at www.medicarestartsat65. org and www.oregonshiba.org for those who are computer connected.

Call the SHIBA toll free line at 800722-4134 with any questions.

Cynthia Hylton has more than 25 years of volunteer program development and training experience. Cynthia has been working with the SHIBA program since 1990 as a local county program coordinator. She started working with the statewide program as a Field Training Officer in 2005. This position required an extensive background working with the senior community and training an effective volunteer network. SHIBA now has 250 volunteer Medicare counselors throughout the state. The SHIBA program received the 2007 Governors Award for Most Outstanding Statewide Volunteer Program.

Ageless | Early Spring 2013 | 19

20 | Ageless | The Bulletin

‘onGREEN both thumbs...’

High desert garden guru Doug Stott faces every day with a genuinely optimistic attitude.

by Kathy Oxborrow, for The Bulletin Special Projects | Photos by Nicole Werner & Submitted Doug Stott, the owner of the Redmond Greenhouse, is the perfect poster boy for what career counselors tell you: if you want to be successful financially and in life, follow your passion.

Talk to anyone who’s been to the Redmond Greenhouse or anyone who knows or has worked with Stott in his many endeavors, and they all have similar things to say: Stott’s passionate about gardening, but most of all he’s just a really great guy.

“He is incredibly genuine, whether you’re somebody who’s just learning how to plant something in the ground for the first time or you’re a master gardener, he treat s everybody the same,“ said Greg Fair, programming and operations manager at Zolo Media, who works with Doug on his TV program, “High Desert Gardening with Doug Stott.”.

Stott, 62, believes gardening soothes the soul. He says digging in the dirt allows the “transmission to fall into neutral” and slows us down from our often hectic lives.

That’s what he tries to impart to his audiences, no matter who they are.

Stott’s love of gardening started around age 5 or 6 when he and his grandmother planted bachelor buttons and sweet peas at her home in Frenchglen, Oregon.

“Grandma was one of those grandmothers that had green on both thumbs and she

cou ld g row v ir t ually ju st about anything within the planting zone you were in,” said Stott.

He ended up in Central Oregon because his soon-to -be w ife wa s te ach i ng s cho ol i n Terrebonne. He thought

Ageless | Early Spring 2013 | 21

Doug and Sherry Stott spend some quality time with a grandchild at Redmond Greenhouse.

DOUG’S

PICKS favorite plants The Tree

“I love people. I love plants. I love serving people. ... I love to be able to help people, and there you have it.”

Box Leaf Elder: “Simply a great tree for our area — problem-free, strong, fast growth and spectacular autumn colors.

Aspen Tree: “Plagued with numerous problems, but this tree brings back the most fond memories of my very early childhood, camping up in the Steens Mountains with my two brothers and most wonderful Grandma Mae.”

The Shrub

Limelight Hydrangea: “Tough, hardy and blooms forever, from summer through late fall.”

Lilacs: “The frangrance of the blooms fill my heart and soul with childhood memories.”

The Perennial

Old Fashioned Bleeding Hearts: “Always reliable, spectacular, with intricate blooms. Plus, they’re so tough and hardy and both droughtand deer-resistant.”

The Bulb/Tuber

Peony: “I simply stand in fascination as I enjoy this seasonal bloom.”

The Vegetable

Sun Gold Tomato: “Year after year, sweet and tasty success!”

Aunt Ginny’s Tomato: “Offers bragging rights plus over-the-top quality and old-fashioned flavor.”

The Annual Flower

Sunflowers: “They simply make you smile and reflect.”

22 | Ageless | The Bulletin

they’d eventually do a “casual drift” back to the Frenchglen area where they were both from. But in the meantime, Doug took a job working for the owners of a local greenhouse — a place that, back then, was still called the Redmond Greenhouse.

Stott quick ly decided that working there was a lot of fun, and when people started asking him questions, he decided he’d better bone up on gardening so he could give them answers. It didn’t take him long to know that he’d found his niche.

Af ter a few years working there, he purchased the business.

“I love people. I love plants. I love serving people,” he said. “I love to be able to help people, and there you have it.”

His love of people and plants comes across in everything he does.

“He is incredibly enjoyable to work with,” said Fair from Zolo Media. “He’s incredibly relatable.

He talks to you at your level. He treats everyone with respect and kindness.”

When asked about his marketing efforts, Stott credited

his success to — you guessed it — just doing what he loves. He has never had a marketing plan.

He said he has always tried to center his marketing activities on helping a nonprofit organization.

The gardening center’s events would always include music and food.

One time, he held an “Evening of Elegance” during the Christmas holidays. For that event, he added a grand piano, and customers arrived in formal attire.

At another event, an orchestra played.

S omet i mes du r i ng t he s e eve nt s, S t o t t performs.

“I do a little guitar; I do a little singing,” he said. “It was never about the selling. It was about hav ing fun.”

“He relates to people,” Fair said.

“People like him, and because they like him, it takes those events to the next level.”

Fair said it

doesn’t matter whether he’s talking to people one-on-one, or doing his COTV program or his radio show on KBND, he connects with his audience in a way you cannot teach. It’s just who he is.

“He’s the awe shucks Johnny Appleseed gardener, but behind that is an extremely skilled mind,” Fair said. “He really knows what he’s talking about.”

When he does his radio and TV shows, he’s not tr y ing to

He says his goal is to find a young couple to buy the business, then hire him to c o n t i nu e work ing

get people to come to his place and buy whatever he’s promoting.

“He doesn’t care where you get the product from,” said Fair. “He’s just passing along the knowledge.”

Stott said he knows he can’t run the business for another 30 years, so he recently put it up for sale.

there. That way, it would free up time for him to pursue his dream of teaching, educating and consulting.

He also has plans to complete two books, one a biography celebrating

his rural roots wrangling horses in F renchglen a nd h i s time in the Navy before moving to Terrebonne, and the other about the challenges and triumphs of gardening in the high desert.

More time will also mean more

quality time with his wife and grown children — three sons and one daughter, all of whom have settled back in Redmond. He also has two grandchildren.

“What does my family bring to the table? A great sense of love and appreciation and t h a n k f u l n e s s,” S t o t t s a i d .

“My world feed s deeply on my family, further giving me the continued strength to rise every morning with a smile on my face, an optimistic attitude and a pondering thought: why have I been so blessed and so lucky?”

Thos e of u s who have advanced our gardening skills because of Stott’s passion for improving the Earth’s bounty don’t have to worry that we’re losing his expertise should he sell Redmond Greenhouse. He’ll still be around touting the virtues of seeing a seed ger minate, a tomato r ipen or a sunflower embrace the light.

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by Gregg Morris, for The Bulletin Special Projects Photos by Nicole Werner, Courtesy of Deschutes County Historical Society

Record your story for the sake of future generations.

24 | Ageless | The Bulletin

The desire to pass down history lies in all of us. Its importance is the cornerstone of learning. No matter your status or demographic, future generations appreciate personal insight into days of yore.

“It is extremely important because everybody has value and everybody is important,” said Valerie Webster, co-owner of Montage Biographics.

Have you ever wondered how Central Oregon residents know so much about the lives of those who worked in the sawmill 100 years ago? Do you think the laborers thought their lives were important enough to document?

“From an historian’s perspective, when people tell their story, they are creating the next generation of primary source material,” said Kelly Cannon-Miller, executive director of the Deschutes County Historical Society. “It gives the voice of the people, rather than the official accounts.”

These first-hand accounts provide the interesting details of the day-today accomplishments and hardships of former Bend residents. If they are not passed down through letters, journals or pictures, they become forgotten history.

“After two generations, most stories are forgotten,” Webster said.

“Stories get lost. Personally, I want my great-grandkids to know who I was.”

Should I Document My Life?

The decision to tell your story s h o u ld n’t b e ba s e d o n you r feelings of self-worth. A seemingly inconsequential fact about your life may be the key to showing someone else how to do (or not to do) something. Or, it could simply bring a smile to a child’s face.

“Usually, it is the people living through a major crisis or getting a major honor that do it,” Webster said. “Ironically, it is usually those people and stories we remember without an autobiography.”

“My students understand the

i mpor t a nc e of s av i ng fa m i ly histor y,” adds Suzy Beal, who has been teaching people how to document their lives for 18 years.

“They understand it saves our collective memory.”

While it is usually retirees who have the time and inclination to begin to document their lives, the process is easier the earlier you start.

How Do I Start?

The most important factor in telling your story doesn’t lie in its form, but in the details.

“The Historical Society gets photo albums, scrapbook s, jour nals, groups of letters and diaries,” Cannon-Miller said.

The biggest hurdle these days is digital media. Emails get sent and not saved. Pictures on the computer go undocumented.

“It is an historical quandary that we historians and archivists deal with,” Cannon-Miller said. “There is so much done by email these days.

It is very difficult to organize them.

Letter writing has fallen by the wayside. I am as guilty as anyone.

I have boxes of photos without notations and emails unsaved.”

By Book “A book is still the most popular way of documenting your life,” Webster said. “While we switch many things to digital, people still love the print media. It speaks to the heart and mind.”

The students who take Beal’s class work out of her 270 page workbook, “The Autobiography of...” The book is designed to walk you through your lifetime, from birth to post-retirement. It asks the questions needed to conjure up memories.

“I see my job as a facilitator,” Beal said. “I don’t correct spelling or grammar. Mostly, I help bring the memories forward. It’s nice when one person’s memory sparks someone else’s memory.”

“While we switch many things to digital, people still love the print media. It speaks to the heart and mind.”

By Letter While letter writing may be a dying art, it has provided us with countless descr iptions of our history. With a letter, as opposed to an email, you have an instant saved documentation of something interesting.

Even the smallest description of a day’s events provides personal history for future generations. Find an old shoebox, and save all of the letters you receive from friends and family.

By Photo If a picture is worth 1,000 words, then imagine what an album says.

The young and old alike enjoy looking at photos of events and gatherings.

Photos needn’t be historical, just picture-worthy. Don’t forget to document the who, what and where on the backs of your prints.

Webster and her partner, Teri Potts, started Montage Biographics a year and a half ago to assist

people in committing their lives to memory.

They use writing, photography and graphic design to illustrate people’s lives, offering everything from digital accounts to hard-bound leather books, complete with your life story.

“My partner, Teri, and I have been capturing people’s memories for a long time,” Webster said. “Your story doesn’t have to be expensive.

A simple journal or notes with pictures can suffice.”

To obtain more information on Suzy Beal’s book or workshop, please visit www.writeyourlifehistor y. com. If you’re interested in finding out how Montage Biographics can assist you, check out www. montagebiographics.com.

For more infor mation about the life stor ies that make up Deschutes County’s history, stop by the Deschutes County Historical Society Museum in the historic Reid School, located at 129 NW Idaho, in downtown Bend.

Ageless | Early Spring 2013 | 25

Ageless IN THE COMMUNITY

World-Class GUEST Olympic gold medalist Ashton Eaton visits area seniors.

Between making public appearances at the Oregon Legislature and in La Pine, which named a six-mile stretch of U.S. Hwy 97 in his honor, Central Oregon native son and 2012 Olympic gold medalist Ashton Eaton also made at stop at Whispering Winds in Bend to honor active area seniors.

On Saturday, Feb. 23, Eaton — owner of the world record score in the decathlon — awarded medals to winners of a Whispering Winds athletic contest that consisted of four events: foosball juggling, ball dribbling, bean bag toss and a ball throw.

“Our residents were very honored that Ashton took the time out of his busy schedule to come pay his respect to them,” said Angela Vanderpool, marketing director at Whispering Winds.

“They were all so impressed with his kind, modest manner. He truly made their day. I have residents who want to use their photo with him as their Christmas card!”

“Our residents were very honored that Ashton took the time out of his busy schedule to come pay his respect to them.”

Photos by Christopher L. Ingersoll, The Bulletin 26 | Ageless | The Bulletin

d levelan Chip C

Donna Jackson

The camaraderie of old friendships disappears behind a wall of concentration once local bridge clubs begin competition.

Dennis Douglas

CARDSHARKS

by Nate Pedersen, for The Bulletin Special Projects Department

“I could’ve played a small spade because you were going to squeeze me out of my hearts anyway.”

You overhear such things if you swing by the Cascade Duplicate Bridge Club at the Bend Senior Center on Mondays, Wednesdays, and Fridays. About 50 people — mostly seniors — playing in teams of two, spend their af ternoons “ducking spades” and “promising hearts” as they advance around the room until every pair has played each other.

The individual games last about 20 minutes.

The camaraderie of old friendships

disappears behind a wall of concentration once the games begin. Bridge is a serious sport.

A good player needs to be focused, analytical, equipped with good judgment and armed with that elusive quality that defines a sharp card player: “good card sense.”

In an oft-quoted maxim, bridge takes 10 minutes to learn; a lifetime to master.

Bridge is a trick-taking game played by four people in two teams. Partners sit opposite each other around a table. One pair is North and South, the other is East and West. The 52 cards are dealt, one side

wins an auction and declares a trump suit.

This sets the contract and the play can begin.

In “duplicate bridge,” the most common variant on the standard bridge game, each table plays the same hand. Duplicate bridge is the version played at the Central Oregon bridge clubs.

At the end of a session, an analysis sheet is produced, allowing a comparison of all the played hands. In this way, all the North-South players and all the East-West players are really competing against each other in addition to their across-the-table opponents.

Ageless | Early Spring 2013 | 27

Bridge club members regularly meet and compete at the Bend and Redmond Senior Centers.

Photos by Christopher L. Ingersoll and Nicole Werner

Central Oregon

Bridge Clubs The Cascade Duplicate Bridge Club plays at the Bend Senior Center (1600 Reed Market Road) on Monday, Wednesday, and Friday afternoons. All the games begin at 12:30. Contact: (541) 3891102 or cdbc@bendcable.com

The Redmond Duplicate Bridge Club plays at the Redmond Senior Center (325 NW Dogwood Road) on Thursdays at 12:30 p.m. Contact: (541) 322-9453 or pldouglas@bendbroadband.com

Judy Davidson can be

contacted through the Cascade Club.

COCC’s continuing education program is online at http://www.cocc.edu/ ContinuingEd/

Play online at www.bridgebase.com 28 | Ageless | The Bulletin

T he a na ly s i s i s made p o s s i ble by t he incorporation of a dealing machine which sorts multiple decks of cards and distributes them in set arrangements for each table.

If all this seems a bit overwhelming at first, don’t worry — there are friendly avenues for learning the game. Judy Davidson, a member of the Cascade Duplicate Bridge Club, offers private lessons. Group lessons are also available through COCC’s continuing education program.

You do not need to be an expert to play with the Cascade Club; you just need a basic understanding of the game. The active members enjoy helping novices get up to speed with the game, ensuring everyone feels welcome with free coffee and snacks to accompany the free advice.

One of the attractive aspects of bridge is that a wide-range of talents can play together — and learn from each other — over the course of an afternoon.

“It’s not unusual to play against a world champion bridge player,” said Chip Cleveland, the club manager for the Cascade Club. “Bridge is an inexact science, and every now and then you even have a chance to beat them.”

For members of the Cascade Club, that world champion player is Huub

Bertens, a recent transplant to Bend from the Netherlands. Bertens has played bridge for 37 years, including a lengthy stint on the Dutch National Team.

Bertens is a professional bridge player who spends about 25 weeks each year on the road playing at bridge tournaments. Unlike poker, bridge tournaments do not typically have prize money. Wealthy sponsors, however, enjoy the bragging rights that come from supporting a champion bridge team.

Bertens is one of a select group of players able to attract such a sponsorship.

And yet you’ll find Bertens on weekday

“Bridge is an inexact science, and every now and then you even have a chance to beat [a world champion player].” afternoons playing at the Cascade Club alongside the beginners and intermediate players alike.

Some seniors prefer playing bridge online instead of in person. Several bridge websites allow players in Central Oregon to compete against others in far-flung corners of the world, such as Austria and Turkey.

C olet te F ra n k li n, at “61 a nd three-quarters” is one such player

lot of cigarette smoking and guilt tripping people into playing.”

Franklin now plays online multiple times a week, often with a bridge partner she met online who lives in Arizona. Franklin’s website of choice is w w w.br idgebase.com, which allows users to play at a wide variety of skill levels, from beginner to world class.

Whet her played online or in

who finds the game “endlessly fascinating.” She has played since 1970s when “there was a

person, bridge offers myriad mental benefits to its players. For seniors in particular, bridge is an excellent mental exercise, increasing the ability to concentrate and aiding in memorization.

But the real draw for players, both in person and online, is the social aspect to the game. Bridge requires, after all, four players for a game. And that social aspect of recreation is sadly missing from so much of our entertainment these days.

All you need to bring it back into your life is a few free hours on a weekday afternoon.

Ageless | Early Spring 2013 | 29

Ageless FINANCIAL SECURITY

THE

GET MAX from Social Security When it comes to maximizing your Social Security benefits, know that every situation is different.

by Jeff McDonald , for The Bulletin Special Projects

With pension and savings plans providing less of a safety net than in the past, maximizing social security benefits is becoming a cr itical question for those approaching retirement age.

The decision on when to start drawing social security depends on a variety of factors: one’s marital status, how long he or she expects to live, and projected income during retirement, said Cathy Mendell, CEO of Elevation Capital Strategies in Bend.

“People who have a younger life expectancy would probably benef it f rom st a r t ing socia l secur ity younger rather than later,” she said. “That being said,

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do you plan to continue working?

If you want to continue drawing income or if you don’t need the income, then it makes sense to wait.”

The earliest someone can start taking social security is 62; the latest is 70. Full retirement age is between 66 and 67, depending on the year you were born.

Clients who come to Mendell in the five years before retirement are entering what’s called the “red zone,” that period when making sound decisions regarding social security are critical, she said. She helps her clients to determine at what point they can no longer live comfortably without receiving

their social security benefits.

For single people, the cost benefits are simple: you can either start drawing social security at age 62 and get benefits at a lower monthly rate or wait until age 66 or later to receive maximum benefits.

Married couples, meanwhile, have other factors to consider,

be reduced by 25 to 35 percent.

Early filing also carries a 50 percent tax if the filer continues to earn income above $15,120.

Thereaf ter, $1 in benef it s is deducted for every $2 earned until full retirement age, according to the SSA. If a client has enough assets and expects to live into his or her

assets to get to age 70.

“If you really don’t have much savings for retirement and you’re living paycheck to paycheck and you don’t have any other sources of income, you would dramatically need that government check.”

Wettig said.

Ideally, social security should comprise about 20 percent to 30

threshold to avoid penalties, Wettig said. Others are more concerned about getting money out of the system that they have contributed to for their entire lives.

Paul Seglund, a wealth advisor w it h t he S eglu nd F i na nc ia l Group, helps his clients calculate the benefits they would receive if

“If a person wants to retire and is not in the best of health, I would tell them to take the money and run. If they are active and expect to live a long time, they are better off waiting.” such as their life expectancies, ear ning histor ies and future survivor benefits.

Draw i ng at age 62 wou ld reduce a single filer’s benefit by 20 to 30 percent, according to the Social Security Administration (SSA). A spouse’s benefit would

80s or 90s, it makes more sense to hold off on social security, said Ed Wettig, a certified financial planner w it h Wettig C apit al Management in Bend.

Wet tig t a kes into accou nt a client’s total income picture, asking if he or she has enough

percent of your income during retirement, Wettig said.

“If it is more than 50 percent, you’re in trouble,” he said. “You’re not going to get the retirement you envision.”

Some seniors opt to work parttime under the taxable income

they filed at different times.

“If a person wants to retire and is not in the best of health, I would tell them to take the money and run,” he said. “If they are active and expect to live a long time, they are better off waiting. Everybody is a little bit different.”

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Social Security

FAST FACTS • Full retirement age (FRA) is age 66 for anyone born in 1943 or earlier. For those born between 1943 and 1962, FRA is 66 plus two-month increments depending on the month of your birthday. If you were born in 1960 or later, FRA is 67.

• Covered workers need 40 credits to be eligible for their own benefit, which works out to about 10 years of work history. Your benefit is calculated based on your average earnings over the highestearning 35 years.

• Working up to full retirement age may increase your benefit while at the same time any contributions you continue to make to a 401(k) plan and/or investment portfolio will have more time to potentially accrue higher gains.

• In 2012, the maximum payout for any beneficiary was $2,513 per month.

SOURCE: “What, When, Who, How? The Social Security Decisions, How to Potentially Maximize Social Security Benefits” www.socialsecurity.gov.

“A person or a couple should go down to the social security office and tell them your story — they will help you figure it out. They want you to draw the most you can.”

For married couples, when to draw social security gets more complicated.

A higher earning spouse must file first in order for the lower-earning spouse to collect benefits based on the higher earner’s history, according to the SSA. If a higher earner claims before full retirement age and dies unexpectedly, however, that might shortchange the benefits the surviving spouse would receive.

Those at full retirement age are eligible to file, but may choose to delay receiving benefits while still earning 8 percent interest per year until age 70.

“If both are of retired age, it’s okay for her to suspend her own social security and just live off his,” Mendell said. “Her benefits keep growing at 8 percent a year.”

Divorced spouses also are eligible for half of

their ex-spouse’s benefits as long as they were married for 10 years and have been divorced for at least two years prior to filing, Mendell said.

A widow or widower, meanwhile, would keep the higher of either the surviving or deceased’s benefits.

Confused? A sound financial planner or someone at the local social security office should be able to help individuals or couples to make the decision on when to start drawing social security, Mendell said.

“A person or a couple should go down to the social security office and tell them your story — they will help you figure it out,” she said. “They want you to draw the most you can.”

For more strategies on social security, visit socialsecurity.gov. Or visit the Social Security office in Bend at 336 SW Cyber Drive.

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32 | Ageless | The Bulletin

Ageless LEGAL ADVICE

WHY HIRE AN EXPERT:

Avoid DIY Estate Planning Plan your future, reduce stress and be prepared in the new year.

by Melissa P. Lande, Attorney People ask me why they should hire an attorney to prepare their estate planning documents rather than using do-it-yourself forms or an online service.

There are many ways to prepare your estate planning documents without the assistance of an attorney.

However, it is important to be aware that your estate plan includes some the most important decisions you will make during your lifetime.

I often find on my review of these do-it-yourself documents that they have not been executed correctly or do not carry out the person’s intent. Also, estate planning is not one size fits all; it is specific to each individual.

Although do-it-yourself documents may seem cheaper at first, they can end up being more expensive and time-consuming than hir ing an attorney in the first place if there are problems which need to be corrected.

Even worse, the problems with the do-it-yourself documents may not be discovered until a time of a medical crisis or death. In those situations, it may be too late to change the documents.

Estate planning involves a great deal more than document preparation.

Estate planning attorneys provide personalized, comprehensive services which help you plan for your family or others after death or in times when

If you had a child who was 16 years old, it might be more important that they remain in the town that they were raised in than if you had a 5-year-old.

These types of issues should be analyzed before making your decision.

you are unable to do so yourself.

Areas that I regularly see problems with do-it-yourself documents include: Signing and Witnessing the Will. Oregon law requires that the testator, the person who is making the will, sign the will in the presence of two witnesses or direct one of the witnesses or another person to sign the name of the testator and acknowledge that they did so at the testator’s request.

The two witnesses must see the testator sign the will or hear the testator acknowledge their signature on the will, and the witnesses must attest to the will by signing their name to it.

Their signatures should be notarized so that there is no question regarding the validity of the signatures at a later date.

Guardian. Even with a fairly simple estate plan, do-it-yourself documents can cause problems. One issue that my clients face regularly, which should include the assistance of an estate planning attorney, is the process and decision making as to who will be named as guardian for their minor children.

This decision must be well thought out.

For example, what happens if you name a couple as guardian for your children and the couple subsequently divorce? Who would be the guardian?

Should you name an alternate g uardian? Would you want the children living with one but not the other? Do you want your children to move from their home or town to live with the named guardian?

Trust for Children. If your children are under a certain age when you die, do you want their money held in trust? Would you like to attach certain incentives or requirements before they receive funds such as college education or reaching a certain age?

Also, if you have a child who struggles with substance abuse or gambling, you may want to restrict the amount of money they receive or how the money can be spent.

If you have a child with special needs, it may be necessary to distribute the funds to a “special needs trust” so that the child does not lose his or her government benefits.

Titling Real Property. Another area which is of ten overlooked with do-it-yourself estate planning documents is correctly titling real property. I often see real property that the person thought was included in the trust but was not because it was not titled properly.

If a trust is intended to avoid probate but the real property is not titled properly, a probate will likely need to be filed with the court in addition to Ageless | Early Spring 2013 | 33

“I often find in my review of these do-it-yourself documents that they have not been executed correctly or do not carry out the person’s intent.”

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.

post death administration of the trust.

This can also be problematic when you attempt to sell property or when one of the owners dies.

Many people are not aware that if you hold property as “tenants in common” with another person, it does not pass to the surviving owner at death, whereas if you hold the property with “right of survivorship,” it passes to the surviving owner rather than to the person’s surviving spouse or children.

For example, if two brothers inherit property from their mother and take title with right of survivorship, then when the first brother dies, the other brother will get his share of the property. If they owned the property as tenants in common, the deceased brother’s share would pass to his

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Call 541.548.7134 34 | Ageless | The Bulletin

spouse or as otherwise designated in his estate planning documents.

Estate tax. The federal estate tax exemption for 2013 is $5,250,000.

However, the Oregon estate tax exemption is $1 million. If the value of your estate is greater than $1 million, you want to ensure that you have the appropriate tax planning in place.

Beneficiary Designations. You should consider your beneficiar y designations as part of your overall estate plan.

If, for example, you set up a trust for your children to be managed by a trustee until they reach the age of 25 but you also name the children as beneficiaries of your retirement or life insurance policy and you pass away

when your children are 18 and 22, the funds will be distributed to them directly without any oversight by your chosen trustee.

Coordination between your assets with designated beneficiaries and assets without designated beneficiaries is generally not considered with Do- ItYourself estate planning options.

These are just a few of the issues that are addressed when you meet with an attorney who specializes in estate planning.

Additional important considerations regarding your estate plan will likely arise that you may not have considered before you had the benefit of meeting with an estate planning attorney.

COCOA NEWS CENTRAL OREGON COUNCIL ON AGING:

Serving Seniors with Compassion

Pamela Norr, Executive Officer Central Oregon Council On Aging

When I look at the COCOA mission of being dedicated to promoting the dignity, wellbeing, security and independence for Central Oregon seniors and adults with disabilities, I cannot imagine a more committed team of professionals.

Sometimes those most important to a non-profit are ‘behind the scenes’… the volunteer board members. Their strong strategic direction, governance and fiscal oversight is critical to the success and health of Central Oregon Council On Aging.

Without their leadership, professionalism, guidance and wisdom, the COCOA team could not undertake the amazing strides we have made in serving seniors in Central Oregon.

Meet the Central Oregon Council On Aging Board of Directors.

community. He moved here with his wife and children in 2009 after being in private practice and practicing in the United States Air Force. He states his reason for being on the COCOA board as the opportunity it provides to serve the community in other ways than his medical practice.

wonderful adjectives, such as ‘supportive, amazing, incredible and hilarious’. She chooses to be on the COCOA board because she feels COCOA is a ‘terrific organization that supports our community.’

Ryan P. Correa Josephine ‘Jo’ Caisse

Greg Borstad MD: A

rheumatologist at Bend Memorial Clinic, Dr. Borstad is committed to helping seniors and the

– Branch Manager at Downtown Bend Public Library. Jo has been at the Deschutes Public Library District since 1999 and has lived in Oregon her entire life.

She states time with family, reading and attempting gardening are her favorite past times, and she describes her family with

– Attorney at Hurley Re, P.C. Ryan has been at Hurley Re for five years and has lived in Central Oregon for over 6 years with his wife and daughter. He was born in Missoula MT, and enjoys cycling, hiking and fly fishing.

He enjoys being on COCOA’s board because he states it gives him the opportunity to help maintain programs that

sustain the quality of life for Central Oregon seniors.

Katie Hammer – Executive Director of Redmond Area Parks and Recreation District. Katie has been with the district for 22 years, and the ED for the past 14. She has lived in Central Oregon for the past 24 years. She is an avid reader, likes to spend time outdoors hiking and chooses to be on the COCOA Board because she ‘supports the COCOA programs and services that meet senior citizens needs and contributes to their quality of life’.

Continued on Page 36

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COCOA NEWS says ‘enjoying many great places and after all this time, we still like each other!’

Clara Pratt, PhD – Professor Emeritus at OSU/Cascades moved from Corvallis in 2010 after teaching at OSU for 30 years. She currently teaches Adult Development and Aging and Proposal Development. She and her husband of 38 years have two married adult children and two adopted daughters from Chinese orphanages, and four granddaughters. She likes to read, walk, cook, travel and volunteer and says she is on the COCOA board because “as a trained gerontologist and lead of the OSU Program on Gerontology in Corvallis for 20 years, I believe that older adults can be tremendous force for positive social action and community participation. Moreover, with compassion and planning, families and communities can offer the supports that we will all need.’ Clara, her husband and two teenage daughters just completed an eight month long RV trip around the US and she

Brad Westphal – Regional Manager of Senior Products at PacificSource Community Health Plans. Brad has been part of PacificSource since 2000. He has lived in Central Oregon for 34 years with his wife Cynthia (a recently retired teacher) and their adult son Alexander. For fun Brad skis, coaches skiing with MBSEF, golfs, kayaks, bikes. He is on the COCOA Board because he “interacts with a wide variety of seniors every day in my current job with PacificSource and I drive a Meals On Wheels route and I see a great need to support this valuable part of our community.” Interesting fact about Brad…he hitchhiked from NY to California and back over a 2 week spring break from college. He says he did not get a lot of sleep on that trip.

and eight and a half great grandchildren. She enjoys family time, reading and playing cards, crafts and volunteering. She is part of the COCOA board because she feels it is important to represent Crook County and she likes to remain active in the community.

Mike Martynowicz – Insurance Broker at Monarch/Mountain View Insurance for the past four years, but has lived in Central Oregon for 38 years. He serves as the COCOA board chair and chooses to be on the board because “in 2009, my family sold our long term care business and I see COCOA as a great way to stay involved with a population I care so much about.” Mike likes to camp, hunt, fish and attempt home improvement and fixing up cars – he has owned over 50 cars in his life, his favorite being the 65 Ford Mustang he drove in high school.

Neva McPherson – Semi-retired – family business; President of Prineville Soroptimist club and volunteer. Neva has been in Central Oregon for about 17 years, and was born in Lebanon, Oregon. Part of a ranching, farming and logging and millowning family, Neva has two children, four grandchildren NMLS ID 98161

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Paul Svendsen, CPA – President; Axia Valuation LLC. A resident of Central Oregon for over 25 years, Paul was born in Seattle and has two daughters and a son with his wife Teresa.

He enjoys doing anything with his kids, and enjoys snow sports and playing classical piano. He is on the COCOA board to make a difference for seniors in Central Oregon. A little known fact about Paul is that he collects vintage fountain pens.

I hope you have enjoyed meeting the CENTRAL OREGON COUNCIL ON AGING BOARD OF DIRECTORS. I am honored to know and work with each and every one of them.

— Pamela Norr, Director, COCOA

Connecting You to Vital Services

COCOA chosen as the area’s lead Aging and Disability Resource Connection partner.

The State of Oregon has joined a progressive, high-touch national process for providing services to seniors and adults with disabilities called Aging and Disability Resource Connection (ADRC).

Central Oregon Council On Aging (COCOA) has been selected to be the ADRC lead partner for the central portion of Oregon including Crook, Deschutes, Jefferson, Klamath, Lake, Wasco Wheeler, Gilliam, Sherman, and Hood River counties.

The par tnership will include the Area Agencies on Aging, the Centers for Independent Living and Disability services agencies, veteran’s organizations, Aging and People with Disabilities/Department of Human Services, the Coordinated Care Organizations, and other agencies involved in providing care and resources for the community.

As lead partner, COCOA will take calls for the area, provide information and referral, and provide options, counseling screening and support for seniors and adults with disabilities and those who care for them.

Staff will be specially certified and trained to assist callers and visitors. Watch for more information as we work with partners on this new and exciting process to assist our community, but below are some quick questions and answers about ADRCs:

What is the Aging and Disability Resource Connection of Oregon?

The ADRC is a highly visible, t r u s t e d s ou rc e fo r u n bia s e d information and assistance as well as decision support for seniors and

people with physical disabilities, their families and caregivers.

ADRC’s professionally trained I n fo r m a t i o n a n d A s s i s t a n c e Specialists not only provide the information, but actually connect consumers directly to the agency or service and follow up to insure they are satisfied.

ADRCs also provide options counseling to consumers to assist them in determining what care options best fit their needs and preferences. Together consumers and Options Counselors weigh the pros and cons of each option based on the consumer’s circumstances, preferences, and resources. The con su mer c a n t hen ma ke a n informed decision about long term services and supports that meet their personal goals.

What difference will an ADRC make to me and to Oregon?

between a hospital or skilled nursing facility stay and home.

Having a highly visible, well promoted and trusted resource for individuals and families both in crisis as well as for those who are planning for life changes will be invaluable. Consumers can trust that there will be uniform and consistently applied quality standards and assessment of the services delivered by the ADRC. The ADRC will fill the gap for a variety of people who are not currently served by the existing system, for example, guidance to successfully transition

The ADRC will be both hi-touch and hi-tech with information available via a website, by phone and in-person.

ADRCs must be located in the most practical and accessible places for consumers. The website for ADRC of Oregon is www.adrcoforegon.org and the toll free phone number is 855-ORE-ADRC

Where will the ADRCs be located?

Who will be served by the ADRC? The ADRC serves individuals and families facing or anticipating that someday they will need information about services to support living independently. Regardless of income, services provided by the ADRC will be available to all. Information Specialists and Options Counselors will provide information and support for both public benefits and private pay service options.

Will it cost me any money to use the service?

No, ADRC core ser vices are provided at no charge. Donations are accepted. At some point, there may be fees assessed for services beyond the core set of functions available from the ADRC. Ageless | Early Spring 2013 | 37

Ageless EVENTS & ENTERTAINMENT CALENDAR SATURDAY, MARCH 16

SATURDAY, MARCH 23

SATURDAY, APRIL 13

A CELTIC JOURNEY: Featuring a performance by the Dillon-Moore Academy of Irish Dance, with live music; $7, $4 children; 2 p.m & 7 p.m..; Bend High School, 230 N.E. Sixth St.; 541-383-6290.

MARY GAUTHIER: The Americana singer-songwriter performs; $15-$20 suggested donation; 8 p.m., doors open 7 p.m.; HarmonyHouse, 17505 Kent Road, Sisters; 541-548-2209.

JAZZ AT THE OXFORD: Featuring a performance by Tom Scott and California Express; $49 plus fees in advance; 5 p.m. & 8 p.m.; The Oxford Hotel, 10 N.W. Minnesota Ave., Bend; 541-382-8436 or www.jazzattheoxford.com.

TUESDAY, MARCH 26

WALK TO CURE DIABETES: A 2.4-mile walk to raise awareness of diabetes; free, registration required; proceeds benefit diabetes research; donations accepted; 11 a.m. , check-in at 10 a.m.; Riverbend Park, Southwest Columbia Street and Southwest Shevlin Hixon Drive, Bend; 503-6431995 or www.jdrforegon.org.

HIGH DESERT WILD GAMES: Featuring casino games, raffles, a silent auction, food and drinks; reservations recommended; proceeds benefit Full Access; $50; 6-10 p.m.; Aspen Hall, 18920 N.W. Shevlin Park Road, Bend; 541-749-2158 or www.fullaccess.org.

SUNDAY, MARCH 17 BEAUSOLEIL: A Cajun-zydeco act performs, with Michael Doucet; $19 plus fees; 7:30 p.m.; Tower Theatre, 835 N.W. Wall St., Bend; 541-317-0700 or www.towertheatre.org.

TUESDAY, MARCH 19 “WRITING YOUR FAMILY HISTORY”: Bend Genealogical Society presents a program by Glen Roberts, Lori Hill and Jan Wilhelmsen; free; 10 a.m.; First Presbyterian Church, 230 N.E. Ninth St., Bend; 541-317-9553 or www.orgenweb.org/deschutes/ bend-gs.

WEDNESDAY, MARCH 20 TOM RUSSELL: The folk-rock artist plays Sisters Folk Festival’s Winter Concert Series; 15 or $10 students plus fees in advance, $20 or $10 students at the door; 7 p.m., doors open at 6:30 p.m.; Sisters High School, 1700 W. McKinney Butte Road; 541549-4979 or www.sistersfolkfestival.org.

THURSDAY, MARCH 21 “ROAD TO ROUBAIX”: A screening of the 2008 cycling film, with door prizes; proceeds benefit the Central Oregon Trail Alliance; $5; 9 p.m.; McMenamins Old St. Francis School, 700 N.W. Bond St., Bend; 541-382-5174 or www.mcmenamins.com.

FRIDAY, MARCH 22 FISHTANK ENSEMBLE: The California-based gypsy folk-rock act performs; $10; 8 p.m.; The Belfry, 302 E. Main Ave., Sisters; 541-815-9122 or www.belfryevents.com.

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HISTORY PUB: Learn about “The Power of Place: Native Histories in Central Oregon” from Mark Spence; free; 7 p.m., doors open at 6 p.m.; McMenamins Old St. Francis School, 700 N.W. Bond St., Bend; 541-382-5174 or www.mcmenamins.com.

JIVE COULIS: The Southern Oregon rock act performs; free; 7 p.m.; GoodLife Brewing Co., 70 S.W. Century Drive, Bend; 541-728-0749.

SATURDAY, MARCH 30 EASTER EGG HUNT: Children ages 12 and younger hunt for eggs; free; 10 a.m.; Neighborhood Center, 2640 N.E. Jones Road, Bend; 541-316-8337.

LAST SATURDAY: Event includes art exhibit openings, live music, food and drinks and a patio and fire pit; free; 6-10 p.m.; Old Ironworks Arts District, 50 Scott St., Bend; www.tinyurl.com/ ironwurk.

JAZZ AT JOE’S VOLUME 41: The Jazz at Joe’s series presents trombonists Gary Shutes and John Moak; registration requested; $25; 7 p.m.; Greenwood Playhouse, 148 N.W. Greenwood Ave., Bend; 541977-5637 or www.jazzatjoes.com.

FRIDAY, APRIL 5 FIRST FRIDAY GALLERY WALK: Event includes art exhibit openings, artist talks, live music, wine and food in downtown Bend and the Old Mill District; free; 5-9 p.m.; throughout Bend.

SATURDAY, APRIL 6 URBAN AGRICULTURE IN CENTRAL OREGON: Learn about the rewards and challenges of urban food production in the area; includes lunch; $25-$30, $15-$20 students; 8:30 a.m.-4:30 p.m.; OSU-Cascades Campus, Cascades Hall, 2600 N.W. College Way, Bend; 541-322-3100 or www.centraloregonfoodpolicy.org.

TRIAGE: The comedy improvisational troupe performs; $5; 7:30 p.m.; Greenwood Playhouse, 148 N.W. Greenwood Ave., Bend; 541-389-0803 or www. cascadestheatrical.org.

HIGH DESERT CHAMBER MUSIC — HIGHLAND QUARTET: String musicians play selections of chamber music; $35, $10 children and students; 7:30 p.m.; The Oxford Hotel, 10 N.W. Minnesota Ave., Bend; 541-382-8436, info@highdesertchambermusic.com or www.highdesertchambermusic.com.

MOLLY RINGWALD: The iconic actress sings American standards and tells stories, with the Peter Smith Quartet; $35-$50 plus fees; 7:30 p.m.; Tower Theatre, 835 N.W. Wall St., Bend; 541-317-0700 or www.towertheatre.org.

SUNDAY, APRIL 14 ROMANCING THE WEST LEGACY TOUR: A documentary-style concert covering 240 years of the American West, from ragtime to rock; headlined

by Woodstock legend Melanie Safka; $25-$32 plus fees; 6 p.m.; Tower Theatre, 835 N.W. Wall St., Bend; 541-317-0700 or www.towertheatre.org.

MONDAY, APRIL 15 THOMAS EDISON, INVENTOR, LECTURER AND PRANKSTER: Edison, portrayed by Broadway actor Patrick Garner, shares secrets to motivate students; recommended for ages 6-12; $12, $8 children 12 and younger, plus fees; 6 p.m.; Tower Theatre, 835 N.W. Wall St., Bend; 541-317-0700 or www.towertheatre.org.

THURSDAY, APRIL 18 BLUE SKY RIDERS: The country-rock act featuring Kenny Loggins, Georgia Middleman and Gary Burr performs; $30-$60 plus fees; 4:30 p.m.; Tower Theatre, 835 N.W. Wall St., Bend; 541-317-0700 or www.towertheatre.org.

FRIDAY & SATURDAY, APRIL 26 & 27 BEND FOLLIES: A fast-paced variety show starring local business, civic, educational and entertainment personalities; proceeds benefit the Tower Theatre Foundation; $50-$75 plus fees; 7:30 p.m., 6:30 p.m. silent auction; Tower Theatre, 835 N.W. Wall St.; 541-317-0700 or www.towertheatre.org.

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