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www.TillamookHeadlightHerald.com Our Time • 2015 • 1
Citizen
North Coast
Headlight Herald
Our
Time
Fall 2021
2 • Our Time Fall 2021
How to build friendships in your golden years
M aking friends as
a child or even as
a parent to school-aged
stereotypes that pigeonhole
people of certain ages. But
Levine notes that state of
meeting people in person
after contacting them online.
Bring another person along,
children is relatively easy. mind and physical ability is whether it’s a spouse or an
Classrooms and school func- not directly tied to chrono- adult child, to ensure that you
tions facilitate the building of logical age. Making friends are safe.
friendships. Even as one gets is possible at any age. These • Volunteer your time. One
older and enters the work- guidelines can help along the way to meet new people is
force, it’s not uncommon for way. to get involved with causes
people to become friends • Explore online connec- or activities you love. This
with their coworkers. tions. A study published in serves the double benefit
As people near retirement the Journal of Gerontology of getting you outside and
age, their situations may found seniors (even those in active and puts you in touch
have changed considerably. their 80s) who stay connect- with people who share your
Children have moved out, ed with friends and family passions and interests.
careers are coming to an end using social media report • Attend alumni events. If
and friendships may be hard feeling less lonely and better you have an interest getting
to maintain due to people overall. Connected seniors in touch with someone from
relocating or traveling. Older also demonstrated higher your past and reconnect-
adults may aspire to make executive reasoning skills. ing, make the time to attend
new friends, but they may There are plenty of ways to school reunions and other
not know how. meet new people online by alumni activities. It can be
According to Irene S joining social media groups fun to reconnect with friends
Levine, Ph.D., The Friend- that cater to your interests. In from high school or college.
ship Doctor and contributor person meetings in particular • Join a gym. The local gym
to Psychology Today, it is not cities or regions of the coun- isn’t just a great place to get who enjoy working out. Once you develop a rapport, Making friends is not just for
unique for seniors to want to try also can make for great physically fit. Group exer- Strike up a conversation with schedule lunch dates so your the young. Men and women
make new friends. Age can ways to make new friends. cise classes also can be ideal another class participant friendship grows outside of over 50 also can find ways to
be a barrier because there are Exercise caution when places to meet other people you see on a regular basis. the gym. build new friendships.
We are here If you choose to gamble use
responsible gambling guidelines
when you need us
Responsible gambling guidelines:
Our fleet includes Emergency • Learn problem gambling
warning signs
& Non-Emergent Transport. • Set a time limit
Is your gambling a problem
• Set a dollar limit
• Make a rule to never gamble
on credit Problem Gambling warning
• Do not gamble as a way
Spending to time gam
more
cope with pain Increases in betting size
Withdrawal
For more responsible from friend
gambling
family
guidelines visit www.opgr.org
Diversion of funds set a
other purposes
Problem gambling treatment
Insert picture here Disinterest
and in other acti
is free it works:
To learn more
Tillamook Familyvisit opgr.org
Counseling Center
(503)842-8201
Treatment is free and it wo
Tillamook Family Counselin
Oregon Problem Gambling
Center:(503)842-8201
Ambulance • Wheel Chair Van • Comfort Car Resource (OPGR)
Oregon Problem Gambling
(877) 695-4648
Resource (OPGR): (877)695
2801 NE 22nd St., Lincoln City, OR 97367
(541) 994-6690
H64198
Our Time Fall 2021 • 3
Some dining trends that will hang around after the pandemic has ended
T he restaurant industry
is slowly getting back
to normal after a very rough
tables and other surfaces.
• Outdoor dining will still
be available. Outdoor dining
sanitation in mind. In addition
to touchless sink features,
self-flushing toilets and
year that saw more 110,000 filled an important need and minimal touch or touchless
eateries temporarily or per- presented restaurants with an payment methods, businesses
manently close their doors. avenue to generate revenue may implement UVC light
Thanks to rising vaccina- when indoor dining was air purification systems and
tion rates and other factors, restricted or prohibited. A upgrades in HVAC filtration.
including assurances from May 2021 Morning Consult Barriers that were effective
public health officials regard- survey found that diners in preventing the spread of
ing the safety of dining out, prefer outdoor dining to disease may remain in place
consumers are once again indoor dining. With that in to continue to protect workers
comfortable with the idea of mind, restaurants likely will and patrons from any type of
going to restaurants. still set aside outdoor areas airborne illness.
As restaurants begin for diners to eat comfortably, • Loyalty programs will
catering to larger crowds, it’s particularly those who were grow in popularity. Many
expected that certain changes successful in creating attrac- organizations have imple-
implemented in 2020 are tive and comfortable al fresco mented loyalty programs to
bound to become permanent offerings. track how often consumers
or, at the very least, stick • More restaurants will patronize a business and to
around for a little while offer takeout options. Even offer discounts and other
longer. though on-premise dining had deals for repeat customers.
• Reservations will be started to catch up to takeout Restaurants may increasingly
necessary. Many restau- orders for many restaurants roll out loyalty programs that
rants, even those that did not by the spring of 2021, takeout allow diners to earn points for
require reservations prior to figures to stick around to each meal and reward repeat
the pandemic, may continue satisfy safety-minded custom- business through emailed
to encourage them. Not only ers who still desire curbside coupons or free items.
will reservations give them convenience. Dining out is gaining
greater control over the vol- • Expect increased sanita- steam as customers increas-
ume of patrons they host, but tion technology. Restaurants ingly feel confident and
they also afford staff ample may continue to make comfortable enjoying meals
time to clean and disinfect upgrades with safety and away from home.
Great holiday gifts for retirees who can’t wait to travel
R etirement provides a
chance for adults who
have worked throughout their
Roadmaps of their own coun-
try or a foreign country can
help seniors plan their dream
get away from it all, but that
doesn’t mean they have to
leave everything behind. A
National Park Service,
the U.S. Fish & Wildlife
Service, the Bureau of
lives to take a step back, relax vacations. Seniors can study projector and portable screen Land Management, and
and enjoy the fruits of their maps and create their own can let on-the-go seniors the Bureau of Reclama-
labors. Though the most in- routes as they visit popular enjoy movie night under the tion, among others. A
delible image associated with tourist attractions and find stars or watch their favorite similar system is in place
retirement might once have lesser known locales along teams even when they’re far in Canada, where adults
been a rocking chair, modern the way. from home. This can be an age 65 and up can gain
retirees like to get up and go, • Vouchers/gift cards: Air- especially good gift for retir- unlimited admission for a
and holiday shoppers can take line vouchers can inspire re- ees who are anxious to gas full year to more than 80
that joie de vivre into consid- tirees to take to the skies and up their RV and leave home Parks Canada locations
eration as they look for the visit locales that have long behind for a few weeks. across the country.
perfect gift for retirees who taken up real estate on their • Lifetime pass to world- • Tablet: Of course,
can’t wait to fly the friendly bucket lists. If seniors prefer renowned parks: All United retirees may still want
skies or hit the open road. to take to the open road, hotel States citizens or permanent to enjoy some of the
• Maps: It might seem vouchers or Visa gift cards residents are eligible for the comforts of home while
simple, but roadmaps can be that can be spent anywhere National Parks and Federal they’re off in parts
an ideal gift for retirees. A that accepts credit cards can Recreational Lands Senior unknown. A new tablet campgrounds and hotels now make the season bright for
recent poll from RBC Wealth help pay for gas, meals or Pass, which provides access can help traveling retirees provide free WiFi to guests, their favorite retirees who
Management found that 63 entry to popular parks and to more than 2,000 recre- read the latest bestsellers and so a tablet can be just what can’t wait to spend their
percent of Americans age tourist attractions. ation sites across the country. stay in touch with family and on-the-go retirees need to stay newfound free time traveling
50 and older say travel is an • Projector and portable Those sites are managed friends via video conferenc- connected to life back home. the world.
important retirement goal. screen: Retirees may want to by federal agencies like the ing apps like Zoom. Many Holiday shoppers can
4 • Our Time Fall 2021
Preparing for a night out as pandemic restrictions lessen
Many people anxiously
await a return to pre-
pandemic life. Even though
now require advanced notice of
dining parties, no matter how
big or small.
accordingly for the destination
and planned activity. The dating
and socializing resource Girls
the world isn’t yet out of the • Plan your transportation. Chase advises that slim, black
woods, many restrictions have If a night out entails enjoying a jeans can look classy on a night
been lifted in recent months. few alcoholic beverages, then out. Footwear is important as
That means people can once arrange for safe transportation well, especially if you will be
again enjoy evenings out on the home in advance. Utilize a ride- doing some walking or danc-
town. However, being a bit out sharing service or taxi company; ing. Women who choose to
of practice, individuals may no otherwise, figure out who will wear heels may want to stash
longer be familiar with how to be the designated sober driver. a foldable pair of flats in their
prepare for a night out. Groups of friends may want to handbags in the event they need
Preparing for a night out with pay for the sober driver’s meal some relief.
friends or even a date night as a token of their appreciation. • Spruce up your appearance.
shouldn’t be stressful. Some ad- • Charge your phone. If a Plan ahead for a night out by
vanced planning can make sure night out involves hanging out taking inventory of grooming
everything goes smoothly. in an unfamiliar location or habits to see if a makeover is in
• Make a reservation. If din- meeting new people, then be order. Set up an appointment for
ing out is in the plans, be sure sure that your mobile phone is a haircut, color refresh, mani-
to call the desired establishment fully charged and you check in cure/pedicure, or even splurge
in advance to see if they are with trusted emergency contacts on a few new wardrobe items. If
taking reservations and learn throughout the night. it’s been a while since you have
if any restrictions are in place. • Pick a pregame meeting been out, you’ll want to put
There’s a good chance indoor spot. When heading out with your best foot forward.
dining establishments will still a squad of friends, save time People are increasingly re-
be subject to reduced guest by carpooling or establishing a turning to pre-pandemic activi-
capacity, and even restaurants predetermined meetup spot. ties, which may include enjoy-
that had walk-in service may • Know the dress code. Dress ing a night out on the town.
Need medical help
with cannabis dosing?
Consulting with Jan
brought me a whole
new awareness and
Cooking for one or two
Should I use CBD, THC
or both?
knowledge of the
active biochemical M ature adults face
many changes as
they move into their golden
you must buy in bulk, invest
in a food vacuum sealer or
freezer storage bags. Imme-
need to be fed. When baking,
cutting back on proportions
of ingredients can be chal-
elements in cannabis years. Downsizing living diately separate meats and lenging. Search online for
Consider consultation with a medical
and helped me spaces and vehicles is com- poultry into smaller portions recipe-scaling programs that
professional who understands your condition,
mon, as is implementing before storing them in the can make the work easier.
your health heath history, your concerns understand the strains/ certain changes to improve freezer. Otherwise, look for * Cook on the week-
and your symptoms. types that would be quality of life. Many also bulk items that are indi- end. Use a weekend day to
scale back in the kitchen. vidually wrapped to maintain prepare food and package it
Call for a free 15-minute most helpful for me.
While it seems like reducing freshness. Many canned and into small containers in the
food portions would be easy, jarred items can be covered refrigerator or freezer. Then
consultation with I found Jan to be very
those used to prepping meals and stored in the refrigerator the containers can be taken
Jan Boal RN for a large family may find it after containers are opened. out as needed and heated
knowledgeable and
her guidance very difficult. The following tips * Plan meals with similar quickly in the microwave for
Certified Cannabis Nurse can make meal preparation ingredients. To reduce food fast meals.
helpful in honing in on efficient and cost-effective. waste, use leftovers to create * Organize a meal-sharing
Schedule your the best products for * Divide and store. Su- casseroles or mix them in club. Get together with a few
consultation today! permarkets are increasingly with new meals. Broiled or friends who also have empty
my needs. offering larger packages grilled chicken can be used to nests and split cooking du-
Positive Vibes of food products as well as make soups, stir-fry dishes, ties. If you’re accustomed to
I highly recommend “family size” offerings to fajitas, and sandwiches. The cooking larger portion sizes,
Holistic Integrated Care
using Jan’s Cannabis compete with warehouse fewer ingredients you have do so and then spread the
(509) 828-7353 clubs. Buying in bulk can to buy, the smaller the risk of wealth with others in the
janboal0606@gmail.com Nursing Services. help individuals save money, spoilage. group. Then sit back and re-
Let a trusted medical but it may not always be * Cut recipes in half. Reci- lax when it is your opportu-
- Shelley M. practical for people living pes can be cut down depend- nity to have meals delivered
professional help you!
H64146
alone or with just a spouse. If ing on how many mouths to you.
Our Time Fall 2021 • 5
How seniors can approach exercise
E xercise is a vital
component of a
healthy lifestyle. By making
bic exercise with one hour
and 15 minutes of vigorous
exercise, such as jogging,
exercise part of their day- each week.
to-day routines, people of
all ages, including men and Is strength training safe
women over the age of 65, for seniors?
can greatly improve their The CDC advises seniors
overall health. to incorporate muscle-
The American Academy strengthening activities into
of Family Physicians notes their weekly fitness routines
that seniors should aspire twice per week. Lifting
to be as active as possible. waits, working with resis-
Exercise is a great way to tance bands, heavy garden-
incorporate physical activity ing, and even some forms
into your daily routine and of yoga qualify as muscle-
has been linked to reduced strengthening activities.
risk for diseases such as Exercises that use your body
heart disease, diabetes and weight for resistance, such
osteoporosis. Though adults as sit-ups and push-ups, also
with chronic illnesses may can help build strength. Al-
be hesitant to exercise, the ways speak with a physician
AAFP notes that it’s pos- before beginning a muscle-
sible for men and women strengthening exercise regi-
who have been diagnosed men and, if possible, work
with such conditions to with a personal trainer, espe-
exercise safely. In fact, the cially if you’re a novice.
Centers for Disease Control
and Prevention notes that When to stop a workout
regular physical activity is It’s imperative that se-
one of the most important niors recognize when to stop
things seniors can do for
their health and can poten-
working out. Exercising Jane’s Fabric Patch
more than is recommended
tially prevent many health by your doctor can increase
problems associated with the risk of illness or injury.
aging. In addition, stop exercis-
ing if any of the following
Frequency of exercise symptoms appear:
Seniors, particularly those • Dizziness or shortness
who have not exercised of breath
much in the past, may not • Chest pain or pressure
know how much exercise • Swollen joints
they need to reap the full • Nausea 100%
rewards of physical activity. • Tightness in muscles or We have FAMILY
Though it’s best to discuss joints lots of cute
exercise with a physician • Pain anywhere in the body OWNED
prior to beginning a new • Throbbing or burning Halloween Sales • Service • Parts • Reconditioned
regimen, various public
health agencies advise
sensations
Exercise can help seniors
Fabric Call Us 503-842-2211
seniors to get at least 2.5 stay healthy and feel more in stock
hours of moderate aerobic energetic throughout the 2111 Third Street, Tillamook
exercise each week. Brisk day. Before beginning a new CCB #202914 www.allstarappliance.net
walking is one example of regimen, seniors should
moderate aerobic exercise. discuss physical activity
Seniors who want to sweat a with their physicians.
little more when exercising
can replace moderate aero-
Read Our Time on line 24/7 Patterns • Fabrics • Notions
H63642
H64241
Quilt Books • Quilt Kits • Classes
1110 Main Ave., Tillamook • (503) 842-9392
6 • Our Time Fall 2021
INDEPENDENT LIVING
MEMORY CARE
Our Time Fall 2021 • 7
MISSION
To Enhance the
Life of Every
Person We Serve
CORE
VALUES
Integrity above
all else
Passion for
the quality of
people’s lives
Quality that is
obvious
Suzanne Elise
Assisted Living Community Innovation, not
emulation
Suzanne Elise Assisted Living Community is
located in Seaside Oregon. Situated in a quiet
A culture of trust
residential area surrounded by soaring alder trees
and respect
and just minutes from the spectacular
Oregon Coast.
Reaching to
Independent Living at
learn, grow and Avamere at Seaside
Suzanne Elise provides full service assisted living
embrace change At Avamere at Seaside, we’re here to help you
in a warm home like environment.
feel comfortable so you can focus on what’s most
Live life fully while enjoying the comfort you
Teamwork, important in your life. Experience retirement to its
expect and deserve.
camaraderie, fullest in a community you’ll enjoy calling home.
and fun Everything about the innovative, interior space,
Give us a call and find out what it means
and landscaping is sensitively scaled to provide a
when we say
warm, and welcoming setting. Each of our studio,
Your Life. Our Commitment.
or 1-bedroom apartments include a kitchenette,
503-738-0307
although you can always enjoy meals in our
renovated dining room. There are many common
areas for socialization and relaxing.
H64137
8 • Our Time Fall 2021
Saving strategies as retirement draws near
P rofessionals on the cusp
of retirement are often
excited about what lies
up contributions. Adults
who are 50 or older are
eligible to take advantage
long-term housing strat-
egy. Relocating to an area
with a lower cost of living
ahead. Some prospective of catch-up contributions. is one option, while those
retirees may look forward These are designed to help who prefer to remain in
to traveling once they no people over 50 contribute their current town or city
longer have to go to work more to certain retirement can consider downsizing to
each day, while others may accounts, such as a 401(k) a smaller home to reduce
plan to return to school. or IRA, than statutory their property taxes and
Regardless of how adults limits would otherwise monthly utility bills.
envision spending their allow. There are limits • Continue investing. Con-
retirement, they’re going to that govern the amount of ventional wisdom suggests
need money when they’re money people can designate moving away from invest-
no longer being paid by as catch-up contributions, ing in stocks the closer you
their employers. but taking advantage of this get to retirement. Though
As retirement nears, some perk can help people save that’s a sound strategy, pro-
professionals may be con- more as retirement draws fessionals who are trying to
cerned that they haven’t closer. build their retirement sav-
saved enough. There’s no • Consider relocating. ings in the final years before
one-size-fits-all answer A recent study from the retiring could be missing
in regard to how much Employee Benefit Research out on significant growth
money people will need in Institute found that hous- by abandoning stocks en-
retirement. People who are ing costs accounted for 49 tirely. Speak with a financial
worried they haven’t saved percent of seniors’ spend- advisor about stock-based
enough can try various ing. Professionals nearing investments and your risk
strategies to build up their retirement who live in areas tolerance. Maintaining a retirement draws near. and anxiety, particularly quell such anxiety and make
account balances before traditionally associated diversified portfolio with Professionals approaching if they’re concerned about it easier for professionals
they officially call it a career. with a high cost of living a little risk can be a great retirement may be dealing their retirement savings. over 50 to build their sav-
• Take advantage of catch- can begin to rethink their way to grow your savings as with a mix of excitement Various strategies can help ings as retirement nears.
Electric Lift Chairs
Assist With: Senior perks and discounts
Pain & Weakness G rowing older may
come with some added
laugh lines or a few extra
some of the discounts that
may be available. Confirm
eligibility as companies
offer free beverages or an
extra perk with purchase.
• Kohl’s: This popular
Mobility Issues aches and pains, but many change their policies from department store provides
will attest to the benefits and time to time. Also, the editors a 15 percent discount every
Unaided Standing wisdom earned from a life of Consumer World say that Wednesday to shoppers ages
well-lived. And if that’s not the senior discount might not 60-plus. Other stores like
Surgery Recovery enough, the discounts and always be the lowest price, Modell’s, Belk, Bon-Ton,
other perks afforded seniors so comparison shopping and SteinMart offer similar
Positioning & Comfort can make reaching one’s is a must to find out which discounts.
golden years a bit easier to discount or coupon is the best • Marriott: Travelers age
Alternate Sleeping Options embrace. deal. 62 and older are privy to a
Every day the list of com- • Amtrak: Travelers age 65 15-percent discount on room
Independent Living panies offering special deals and older can enjoy a 10 per- rates at Marriott brand hotels,
for people of a certain age cent discount on rail fares on subject to availability.
Call us for assistance: continues to grow. Individuals most Amtrak trains. For those • Roto-Rooter: Plumbing
Astoria (503) 325-9906 willing to do the research or who prefer ground travel but problems can get expensive,
simply ask retailers and other want to leave the car at home, but online sources cite a 10 to
Tillamook (503) 842-8755 businesses about their senior this can be a great way to get 15 percent discount depend-
Seaside (503) 738-4043 discount policies can be well around. ing on location for this drain
Lincoln City (541) 996-5102 on their way to saving serious • Fast-food/sit-down cleaning service provider in
money. Keep in mind that the restaurants: Establishments North America.
Newport (541) 265-2888 starting points for age-based like Wendy’s, Arby’s, Burker • National Parks: The U.S.
Florence (541) 997-9495 discounts vary, with some King, Denny’s, Applebees, National Parks Service offers
(888) 271-8078 Toll Free offering deals to those age 50 Carrabba’s Italian Grill, and steep discounts on the annual
and up, and others kicking in Friendly’s offer various senior pass, which provides entry
www.NCHC.net at 55 or 60-plus. discounts. Most are 10 to 15 to more than 2,000 federal
H49646
“Providing Quality Service for your Home Medical Equipment needs since 1985” The following is a list of percent off the meal. Others recreation sites.
Our Time Fall 2021 • 9
Navigating the Diagnosis of Cognitive Decline in a Loved One
Upcoming Q+A With Life at Prestige
Alzheimer’s Expert Senior Living Five
Perhaps you’ve noticed
memory loss in a loved one. David Troxel Rivers
It could be something simple
like them misplacing their On Thursday, October 28 at 2 If you’re considering senior
wallet or forgetting a name. p.m. Pacific Time, noted Al- living, you can learn more
It could be more advanced, zheimer’s Disease and dementia about our popular Celebrations
like getting lost on a familiar expert David Troxel will be host- program for our assisted living
route or having trouble rec- ing a free online Q+A session residents by visiting prestigec-
ognizing loved ones. where he can directly respond to are.com and searching “Five
You might find yourself concerns or questions you may Rivers”.
wondering – are they deal- have about cognitive decline in a You can also book a tour to
ing with normal forgetfulness loved one. visit our beautiful community,
that can come naturally with Whether you have a general where you will see our well-
age? Or could it be Alzheim- question about Alzheimer’s Dis- appointed apartments, our
er’s Disease or dementia? ease or dementia, or a question common areas and learn more
At Prestige Senior Living specifically related to yourself or about our industry-leading ame-
Five Rivers, we work closely a loved one, Troxel can provide nities. You’ll also get to meet
with our residents and their trustworthy advice and guidance. current residents who can’t wait
families for signs of cognitive He will also be giving away free to have you join in all the fun.
decline, and work as a team 60-minute consultations to two
attendees of the Q+A session.
to determine the best course To learn more or to
of action should there be a To register for the free Q+A and
to submit a question in advance, book a tour, call our team
concern.
visit prestigecanhelp.com. at (503) 842-0918.
s Prestige Can Answer Your Questions
About Alzheimer’s or Dementia
At Prestige Senior Living Five Rivers, we understand that if you or a loved one is showing signs of
memory loss, you likely have many questions.
On Thursday, October 28 at 2 p.m., noted Alzheimer’s Disease and dementia expert David Troxel will
be hosting a free online Q+A session where he can directly respond to concerns or questions you may have.
FREE WEBINAR: Whether you have a general question about Alzheimer’s Disease or dementia, or a question specifically
Q+A With Alzheimer’s related to yourself or a loved one, David can provide trustworthy advice and guidance.
and Dementia Expert To register for the free Q+A and to submit a question in advance,
David Troxel visit PrestigeCanHelp.com
THURSDAY, OCTOBER 28 Here at Prestige Senior Living Five Rivers our Celebrations programming for our independent and assisted
2:00 PM PST living residents include comprehensive programs that help maintain the memory abilities of our residents.
Prestige Senior Living Five Rivers
3500 12th St. · Tillamook, OR 97141
(503) 842-0918 · www.PrestigeCare.com
H64242
10 • Our Time Fall 2021
Safe ways for seniors to volunteer
C haritable organiza-
tions rely on the efforts
of volunteers to meet their
about returning to volunteer-
ing. Though each individual
should consider various
their jobs or take pay cuts as
companies scrambled to deal
with lost revenue related to
missions every day. People factors before returning to the pandemic. Though giving
of all ages can volunteer, and volunteering during the pan- might have increased in 2020,
a great number of volunteers demic, the following are some many nonprofit organizations,
are seniors. options seniors can consider including local community
A survey from the U.S. as they aim to safely pitch in theaters, likely suffered due
Bureau of Labor Statistics once again. to cancellations and audience
found that nearly one-quarter • Look for contactless op- restrictions. As a result, many
of American volunteers are portunities. Interactions with local nonprofit organiza-
age 65 and over. That was the people they help and work tions are in need of financial
never more apparent than alongside is what drives many support. Seniors who want
during the COVID-19 pan- volunteers to lend a helping to pitch in but stay safe can
demic, when many nonprofit hand. That’s especially so volunteer to help local orga-
organizations were suddenly for seniors whose children nizations raise funds. Seniors
forced to confront a volunteer have grown up and moved can participate in fundraising
shortage due to the adoption out. In person interactions efforts from the comforts of
of social distancing guidelines may be too risky during the their own homes.
that were designed to keep pandemic, but seniors can • Offer professional
vulnerable populations, such still volunteer via contactless expertise. Many seniors
as seniors, as safe as pos- opportunities. For example, retired after spending decades
sible. One study from Fidelity in lieu of delivering meals mastering their crafts, and that
Charitable found that two out by hand, seniors who work experience can be an invalu-
of three volunteers decreased with organizations such as able resource to local non-
or stopped contributing time Meals on Wheels can deliver profit organizations. Seniors
during the pandemic. prepackaged meals outside can offer professional advice
The rollout of various recipients’ residences. and mentor youths remotely
COVID-19 vaccines has al- • Pitch in with fundraising. via apps like Zoom without
lowed vaccinated individuals A report from Giving USA putting their physical health
to return to a certain degree released in 2021 revealed at risk.
Get Reliable
of pre-pandemic normalcy. that Americans gave more to Seniors concerned for their
However, the threat posed charity in 2020 than in 2019. safety can still lend a hand by
by strains of the virus like That increase came in spite of volunteering with their favor-
the Delta variant has made an economic downturn that ite nonprofit organizations.
Financial Advice some seniors apprehensive saw millions of people lose
Scott Thompson is a Financial Advisor
with Fibre Financial Group, located at
TLC, a Division of Fibre Federal Credit
Union. He’s available to consult with
you at no cost!
4
5 0 3.354.45 14
Fibre Financial Group Retirement & Investment Services financial professionals are registered
representatives of CUNA Brokerage Services, Inc. Securities sold, advisory services offered through
CUNA Brokerage Services, Inc. (CBSI), member FINRA/ SIPC, a registered broker/dealer and investment
professional, which is not an affiliate of the credit union. CBSI is under contract with the financial
institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No
Financial Institution Guarantee. Not a deposit of any financial institution. CUNA Brokerage Services, Inc.
is a registered broker/dealer in all fifty States of the United States of America. FR-2290725.2-1120-1222Our Time Fall 2021 • 11
Explore your travel options, including staycations
D aily life was up-
ended in March of
2020, when most of the
Travel considerations
When the weather be-
comes colder and inhospi-
simulate getting away.
While they may not serve
as a substitute for a sandy
world was first introduced table, people often seek out beach, home renovations
to the novel coronavirus warmer climates. Though may make riding out the
COVID-19. People from travel figures to decrease colder temps a bit more
all walks of life were dramatically in the winter tolerable. Here are some
adversely affected by the of 2020-21, there may ideas to make staycations
pandemic, and certain be some tourists who are more enjoyable.
industries, including travel willing to leave home for • Improve lighting.
and tourism, had an espe- the promise of beaches Increase bright, indoor
cially difficult time as the and sunny skies. As of lighting to simulate longer
pandemic wore on. December 2020, Mexico hours of sunlight.
had no entry restrictions • Invest in a hot tub. You
Tourism greatly affected for Americans, apart may not be able to swim
Travel was largely re- from limiting land-border outdoors in the winter,
stricted in early 2020, with crossings. Visitors can get but sitting in a hot tub can
some countries prohibit- a temperature check on ar- chase away the chill and
ing tourism from travelers rival and will be schooled prove very relaxing.
from critically impacted in basic information about • Renovate a bathroom.
areas. As the second wave social distancing. John Create a spa resort expe-
of the virus arrived in Spence, president of the rience with a bathroom
late 2020, many nations tour company Scott Dunn overhaul that includes
returned to full or partial USA, says Kenya is a multi-jet shower heads,
lockdowns to combat virus relatively safe East African towel warmers and ultra-
transmission, further hurt- destination to visit, and the plush linens.
ing the travel and tourism country has been transpar- • Join a gym or indoor
industry. ent about its reopening pool club. A chance to
According to the World conditions. Costa Rica and swim even when it is cold
Travel & Tourism Coun- Caribbean islands have outside can be refreshing
cil, the tourism industry been cautiously reopening and make for great exer-
accounted for 330 million to tourists, starting with cise.
jobs in 2019. Estimates nations reporting lower • Visit an indoor water
now suggest that ap- infection levels. Anyone park. Indoor water parks
proximately 121 million of who chooses to travel is can include wave pools
those jobs have been elimi- strongly urged to quaran- that recreate the condi-
nated due to the pandemic. tine for at least 14 days tions of beach resorts, but
Countries whose econo- upon returning home. all in a climate-controlled
mies relied primarily on environment.
tourism either continued Home modifications It’s the time of year
to stay open to travelers Individuals who pre- to escape the cold, and
or have reopened to make fer to stay close to home people are weighing their
ends meet. may want to invest their options as they try to
vacation dollars into decide if they will travel or
home renovations that can stay home this winter.
Medicare marketing scams common during the Open Enrollment Period
The Medicare Open En- They’ll come knock on doors they’re really not, agents sign- have an appointment with that common areas of health care against health care fraud.
rollment Period, which runs or approach people in hall- ing beneficiaries up for plans Medicare beneficiary. settings. Your SMP can help you with
October 15 to December 7 ways. They’ll also disguise that are supposed to cover Agents are allowed to The Senior Medicare your questions, concerns, or
each year, is the time when marketing events – with the specific prescriptions when call beneficiaries who have Patrol (SMP) is ready to complaints about potential
Medicare beneficiaries can purpose of signing people up the plans really don’t, agents expressly given advanced provide you with the informa- fraud and abuse issues. It also
join, switch, or drop a plan. for their plans – as educa- requiring attendees at market- permission, make unsolic- tion you need to PROTECT provides FREE information
There are a lot of rules on tional events. ing events to provide contact ited contact with potential yourself from Medicare fraud, and educational presentations
what insurance agents can According to the Medi- information as a prerequi- enrollees using conventional errors, and abuse; DETECT about enrolling for Medicare
and cannot do. Sometimes care Communications & site for attending, or agents mail and other print media potential fraud, errors, and or reviewing a plan. Contact
they break the rules – like Marketing Guidelines, other leaving information such as (e.g., advertisements) and by abuse; and REPORT your the Lincoln County Program
cold calling or approaching violations include agents leaflets, flyers, door hangers, email provided it contains an concerns. SMPs help edu- today at 541-574-2684 for
beneficiaries with whom they representing themselves as if etc., on a beneficiary’s car or opt-out function, and conduct cate and empower Medicare more information.
have no prior relationship. they’re from Medicare when residence when they did not marketing/sales activities in beneficiaries in the fight12 • Our Time Fall 2021
The most recent stats show that for every $1.00 spent in
the fight against health care fraud, $4.30 is returned.
Medicare Marketing Scams Common During the Open Enrollment Period
SHIBA Program of Lincoln County
The Medicare Open Enrollment Period, which runs October 15 to December 7
each year, is the time when Medicare beneficiaries can join, switch, or drop a plan.
There are a lot of rules on what insurance agents can and cannot do. Sometimes
they break the rules – like cold calling or approaching beneficiaries with whom
they have no prior relationship. They’ll come knock on doors or approach people
in hallways. They’ll also disguise marketing events – with the purpose of signing
people up for their plans – as educational events.
According to the Medicare Communications & Marketing Guidelines, other
violations include agents representing themselves as if they’re from Medicare
when they’re really not, agents signing beneficiaries up for plans that are sup-
posed to cover specific prescriptions when the plans really don’t, agents requiring
attendees at marketing events to provide contact information as a prerequisite
for attending, or agents leaving information such as leaflets, flyers, door hangers,
etc., on a beneficiary’s car or residence when they did not have an appointment
with that Medicare beneficiary.
Agents are allowed to call beneficiaries who have expressly given advanced
permission, make unsolicited contact with potential enrollees using convention-
al mail and other print media (e.g., advertisements) and by email provided it
contains an opt-out function, and conduct marketing/sales activities in common
areas of health care settings.
The Senior Medicare Patrol (SMP) is ready to provide you with the information
you need to PROTECT yourself from Medicare fraud, errors, and abuse; DE-
TECT potential fraud, errors, and abuse; and REPORT your concerns. SMPs
help educate and empower Medicare beneficiaries in the fight against health
care fraud. Your SMP can help you with your questions, concerns, or complaints
about potential fraud and abuse issues. It also provides FREE information and
educational presentations about enrolling for Medicare or reviewing a plan. Con-
tact the Lincoln County Program today at 541-574-2684 for more information!
Join the fight against
Medicare fraud today!You can also read
