If you are struggling to pay your bills – as the cost of living constantly increases, and yet you have paid off your house – which you purchased for $35,000 forty years ago and is now worth four times that much, you are one of thousands of American older adults who are income poor but “house” rich. To help older adults in this kind of situation, reverse mortgages, also known as Home Equity Conversion Mortgages (HECMs), were created to allow homeowners aged 62+ to convert a portion of their home equity into cash while they continue to live at home for as long as they want.
Author Archives: mcseniorcenter
Aging Well October 1st 2013
This Friday night from 4:30 – 7:30 Meals-on-Wheels and the Mid-Columbia Senor Center invite you to their 3rd Annual Baby Back Rib Dinner sponsored by their neighbors to the west – The Springs at Mill Creek. With their support and with several other small and large donations, all the expenses are covered, so every penny from every ticket sold goes directly to the Meals-on-Wheels and the Senior Center – split evenly. For only $15 per person you can enjoy a great meal, music by local bluegrass favorites “Hard Shell Harmony and help support Meals-on-Wheels and the Senior Center.
And for the second year there will be a silent auction – but bigger and better. There will be many fantastic items generously donated by local businesses plus some special ones: a Trailblazer pennant signed by all the players, and for football fans there are two tickets to the OSU-Washington football game on November 23rd including a tailgate party. And with both Washington (4-0) and OSU (4-1) off to great starts, it should be a pivotal game.
The Open Enrollment Period for Medicare, when you have the opportunity to review and make changes to your health coverage, occurs once again between October 15th and December 7th. In the meantime, you should be receiving in the mail your Annual Notice of Change (ANOC) from your current plan. Because the plan can change how they cover your care each year, take time to review it, even if you are satisfied with your current Medicare coverage. Check to see if there are any changes in the plan’s provider network, the drugs that are covered and increases in the costs for the coverage.
But don’t confuse the Medicare Enrollment Period with the enrollment period for the new Health Insurance Marketplaces or Exchanges (in Oregon called Cover Oregon) created by the Affordable Care Act. If you are enrolled in Medicare, the Marketplaces do not affect you. But the Affordable Care Act does create several new benefits for Medicare enrollees: the percentage you pay for drugs in the “donut hole” is gradually reduced; and Medicare now covers certain preventive services, mammograms or colonoscopies, without charging you for the Part B coinsurance or deductible.
Unlike Trix cereal, vaccines are not just for kids – or silly rabbits. Each year thousands of older adults die or have serious complications from vaccine preventable diseases. Consequently, the Center for Disease Control and Prevention recommends older adults receive the following vaccines: Shingles, Pneumococcal, Influenza (flu), and Tetanus, Diphtheria and Pertussis (Tdap). At the Center’s 11:00 Tuesday lecture on October 8th Jenny Tran, a pharmacist at Rite-Aid, will explain and answer any questions about these “Vaccines for Older Adults”.
And since the Flu season is unpredictable and can start as early as October, Jenny Tran will also be offering Flu Shots at the Center before and during lunch on Thursday October 10th.
Dennis Davis, the volunteer instructor for the AARP Driver Safety Class, wants me to remind everyone that the Driver Safety Class is offered EVERY month on the third Monday and Tuesday. (The next class is from 9:00 – 12:00 on October 21 and 22nd.) The cost is $12 for AARP members and $14 for non-members. You can sign up by calling the Center.
Three quick reminders in chronological order: Tuesday, October 1st starting at 7:00 PM, The Strawberry Mountain Band will be performing; the monthly iPad Users Group will meet on Wednesday the 2nd at 1:00 to discuss the new iOS 7.0 operating system; and Sandy Haechrel, AARP Money Management volunteer, will be at the Center on Thursday Oct 3rd at 1:30 to help anyone balance their checkbooks or answer simple financial questions.
Last week’s “Remember When” question was a tough one but the controversial cartoonist who created such countercultural characters as “Fritz the Cat” and “Mr. Natural” was Robert Crumb or more widely known as R. Crumb. (And the winner and only entry was Bill Van Nice.)
Sticking with a counterculture theme of the ‘60’s, what was the name of the third highest grossing film of 1969, starring Peter Fonda, Dennis Hopper and Jack Nicholson that depicted many of the societal tensions of the 1960’s as two bikers travelled through the American southwest and south? E-mail your answers to mcseniorcenter@gmail.com, call 541-296-4788 or deliver it to the Center while riding the “Captain America” Harley Davidson specially designed and built for the movie.
Well, it has been another week waiting to sink my teeth into some Baby Back Ribs. Until we meet again, remember the advice of Robert Heinlein “Never try to teach a pig to sing; it wastes your time and it annoys the pig”.
Aging Well September 24th 2013
Aging Well September 17th 2013
Aging Well September 10th 2013
It is often said, “If you’ve seen one Senior Center, you’ve seen one Senior Center”. That’s because every Senior Center is unique: in how they are structured and operated; and how they reflect their community. And that’s true of every Senior Center and the many meal sites in the Mid-Columbia from Sherman County to Hood River and Klickitat Counties.
But what they do have in common is offering a place where older adults can stay active, engaged and empowered to contribute to their own health and well-being; and where the experiences, skills, and knowledge of older adults are valued and their dignity, self-worth, and independence affirmed.
Because of the valuable role of Senior Centers and meal sites, September has been designated National Senior Center Month to recognize both the senior center and meal site participants and the staff and volunteers who work every day to enhance the well-being of older citizens.
If you haven’t already visited your local Senior Center or meal site, take time and stop it. You will find helpful programs and activities, but most importantly you’ll find wonderful, caring and active folks.
To kick off National Senior Center Month at the Center in The Dalles, two work teams of committed, energetic and slightly nuts volunteers decided to put words into action and added a little lipstick to the Center – which is showing some wear and tear of middle age. Because of their efforts, the Center’s downstairs concrete floor was brightly painted – after removing the carpet which Laura Comini remembers Shilo Inn donating twenty plus years ago. And then over the Labor Day weekend – believing you should never waste a good three day weekend – the Center’s dining room was repainted. (The most difficult task was choosing the paint colors – but so far the reviews have been good.) Thanks to everyone who helped plus Discover Rentals, Brace Brothers – and Sawyers True Value for having their Labor Day Paint Sale just for us!
Did you know when older adults were asked what was most important to maintaining a high quality of life, staying connected to friends and family was the top choice – ahead of financial means? And that 71% of older adults feel the community they live in is responsive to their needs, but just 49% believe their community is doing enough to prepare for the future needs of the growing older population? These are some of the key findings from the National Council on Aging’s report called ”The United States of Aging” which will be discussed at the Center’s next Tuesday Lecture at 11:00 on the 17th.
One of the benefits of having children home is they are always showing you some new technological device or program – to add even more distractions to your life. The latest example is Twitter. But even though I can waste hours reading the “tweets”, Twitter has allowed me to follow Oregon Scam Alert. The most recent scam has been reported by the Better Business Bureau, They are asking folks to keep an eye on their magazine renewal subscriptions, and avoid payment to Associated Publishers Network (APN). There have been a flood of complaints about this renewal subscription “business” mailing out phony renewal invoices. So beware. For more information and additional scam alerts check out the Center’s blog/website at midcolumbiaseniorcenter.com.
Every Tuesday night there is music and dancing at the Center starting at 7:00 PM including Truman who will be playing his Country Gold on the 17th. The suggested donation is $2.00 per person and $3.00 per couple.
Several folks remembered the Seattle Pilots professional baseball team that played just one season in 1969 (including Jess Birge winner of a September 21st Saturday Breakfast). But I wasn’t one of them. I was in Indiana packing up my VW van for the wild, wild west called Oregon and the Wil-uh-Met Valley.
And for this week’s “Remember When” question, what was the name of the bi-weekly, general-interest magazine that emphasized photos more than articles; and was published from 1937 to 1971 – peaking in 1969 with 7.75 million subscriptions, second to only Life magazine? E-mail your answers to mcseniorcenter@gmail.com, call 541-296-4788 or mail it with a limited edition photo taken by film director Stanley Kubrick when he was a staff photographer for this magazine.
Well, it has been another week trying to keep my marbles from rolling off the table. Until we meet again, as the Oklahoma sage, Will Rogers once said “If you find yourself in a hole, the first thing to do is stop digging”.
“Worry is like a rockin’ horse. It’s something to do that don’t get you nowhere.” Old West Proverb
Aging Well September 3rd 2013
Prayer of an Anonymous Abbess
Release me from the idea that I must straighten out other peoples’ affairs. With my immense treasure of experience and wisdom, it seems a pity not to let everybody partake of it. But thou knowest, Lord, that in the end I will need a few friends.
Keep me from the recital of endless details; give me wings to get to the point.
Grant me the patience to listen to the complaints of others; help me to endure them with charity. But seal my lips on my own aches and pains — they increase with the increasing years and my inclination to recount them is also increasing.
I will not ask thee for improved memory, only for a little more humility and less self-assurance when my own memory doesn’t agree with that of others. Teach me the glorious lesson that occasionally I may be wrong.
Keep me reasonably gentle. I do not have the ambition to become a saint — it is so hard to live with some of them — but a harsh old person is one of the devil’s masterpieces.
Make me sympathetic without being sentimental, helpful but not bossy. Let me discover merits where I had not expected them, and talents in people whom I had not thought to possess any. And, Lord, give me the grace to tell them so. Amen”
Aging Well August 27th 2013
Aging Well August 20th 2013
When does old age begin? A Pew Research Center study found that it depends on who you ask. Those thirty years old and under believe old begins at 60; those between thirty and forty nine, believe 69 is the turning point; and for those who are sixty-five and older, old age begins at 74 (which may just prove Bernard Baruch wasn’t far off when he said “To me, old age is always 15 years older than I am”.)
But although chronological age can be a predictor, in reality we all age differently, we all deal with life differently; and it doesn’t matter whether we are young old (65–74), middle old (75–84) or the oldest old (85+); chronological age really doesn’t mean squat.
Old especially in the context of “I’m too old” is just a broad broom that sweeps away possibilities and opportunities: an attitude that can color everything we do and limit what we can still accomplish. There are many of us who thirty-something’s might consider too old to set tables for a Saturday Breakfast, maintain the church grounds or serve on administrative boards. Or too old to mentor young children, dance with a friend and lover, or play a mean guitar. (Or as some overly protective adult children might believe – too old to live alone or drive a car!)
But “too old” is not a good reason to avoid doing something – or anything. If you are not interested or unable, that’s okay. Not everything is possible – and you are the boss. But we are never “too old” to do what is possible: to play, explore, connect with others and in many simple ways – still make a difference.
The Center will be hosting a Community Parking Lot sale on September 28th from 8:00 AM to 1:00 PM. Spaces are $25.00 each. This is the third year Sylvia Loewen and Barb Pashek have organized this fundraiser for the Center. The deadline for reserving a space is September 20th. If you have any questions you can call Sylvia at 541-298-4682 or stop by the Center to pick up an application.
And at the same time the Nu-2-U Shop we will be clearing house with a sidewalk sale while cleaning and reorganizing the Nu-2-U Shop. This may be the year’s last chance to buy or sale good used items on one of the busiest corners in The Dalles.
Tickets are now available for the Baby Back Rib Dinner, the Meals-on-Wheels and Center’s big fall fundraiser on October 4th – the first Friday in October. Once again it is sponsored by our neighbors to the east: The Springs at Mill Creek; and once again the tickets are only $15 a person. In addition to the lip smacking, back slapping, finger licking baby back ribs, there will be an expanded silent auction. And I have heard there just may be two tickets to the OSU – University of Washington football game in Corvallis on November 23rd including a tail gate party and a gas card to help pay for the trip. You can pick up tickets at the Center or at Klindt’s.
Tonight at the Center, Truman will be playing his Country Gold. And next Tuesday “For the Good Times” will show you how to have a “good time” dancing and listening to classic country western. The doors open at 6:00, music starts at 7:00 and suggested donations are $2.00 per person or $3.00 for a couple.
You probably thought last week’s question was too easy, but ask any nineteen year old what an 8-track is and he would be probably just give you a blank “what are you talking about” look. (And the winner of a free Saturday Breakfast on September 21st is Jerry Harris.)
But this week’s “Remember When” is a “double your pleasure, double your fun” test with two unrelated questions, but the answers have something in common. 1) Who was the prominent British teenage model, who in the mid-1960s epitomized the swinging sixties? 2) What was the name of the animal cartoon character that first appeared on television in 1957 and was known for his famous staccato laugh: “ha-ha-ha-HA-ha”? And “tree” is the common element. E-mail your answers to mcseniorcenter@gmail.com, call 541-296-4788 or mail it with a pack of Wrigley’s “Doublemint” gum. Well, it has been another week trying to stay ahead of the curve on the twisting road of life.
Until we meet again, always question, but don’t let it keep you from acting.
“You are never too old to set another goal or to dream a new dream.” C. S. Lewis
Aging Well August 13th 2013
Aging Well August 6th 2013
- We will not be judged by the values of youth.
- We will not be expelled from work or play.
- We will not equate aging with illness.
- We will not be subject matter for experts.
- We will not be the objects of condescension.
- We will not be defined as a social or economic problem.
- We will not be trivialized.
- We will not be docile.
- We will not be interned.
- We will grow and learn.
- We will maintain a sense of humor.
- We will support one another.
- We will cooperate across generations to create a better world.
- We will nurture and guide the young.
- We will contribute according to our abilities.
- We will be proud.