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November 2014 Montana Best Times

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MONTANA November 2014 A Monthly Publication for Folks 50 and Better A reading foundation One lunch at a time Women embrace farm life solo style Volunteer supports Israeli Defense Forces INSIDE Savvy Senior.............................................Page 3 Bookshelf..................................................Page 5 Opinion.....................................................Page 4 Big Sky Birding........................................Page 10 Volunteering............................
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  One lunch at a time Women embrace farm life solo style Volunteer supports Israeli Defense Forces  A reading foundation November 2014  November 2014 — 2 Savvy Senior ............................................Page 3Bookshelf .................................................Page 5Opinion ....................................................Page 4Big Sky Birding .......................................Page 10 Volunteering .............................................Page 19On the Menu ............................................Page 20Calendar ...................................................Page 21Strange But True ......................................Page 22 INSIDE News Lite Boy, girl? Family with 12 sons awaits baby 13 ROCKFORD, Mich. (AP) — A western Michigan couple with 12 sons is expecting baby No. 13, and even though they’re stick-ing to their tradition of not finding out in advance whether they’re having a boy or girl, they said they’d be shocked if their streak is broken.Jay and Kateri Schwandt’s baby is due May 9, The Grand Rapids Press reported. Even though they expect it will be anoth-er boy, the couple said they would welcome either into the fami-ly.“If we were to have a girl, I think we would go into shock,” Kateri Schwandt said. “It would probably be disbelief.”If he had a choice, Jay Schwandt said he would love to have a girl, but they’re just “hoping for a healthy baby.” Still, he would like to see the effect of adding a girl to the mix in a household with 12 boys.“I’ve experienced all the boy stuff,” he said. “As long as we are having all these children, it would be really neat to experience the other side.”The couple welcomed their twelfth son, Tucker, to the world on Aug. 4, 2013. Their oldest son is now 22 years old.“The stuff that goes on in this house is all-boy — roughhousing and wrestling,” Jay Schwandt said. “If there was a little girl in there, I assume it would be different.”Kateri Schwandt, after being the sole female in the family for more than two decades, said she would lean toward having one more boy.“A little girl would be neat to have in the house, but a little boy kind of takes the pressure off,” she said. “We know what we are doing. Why change things up?”The Schwandts, who live in Rockford, which is north of Grand Rapids, consider themselves devout Roman Catholics and don’t believe in using birth control. Kateri Schwandt comes from a family of 14 kids. She said she is feeling well.“I love being pregnant,” she said. “I’ve spent half of my life being pregnant. It’s very neat and very special.”   Dear Savvy Senior, I had dental insurance through my work for many years but lost it when I retired. Where can retirees find affordable dental care? — Need a Dentist   Dear Need, Finding affordable dental care can be challenging for seniors living on a tight budget. Most retirees lose their dental insurance after leaving the workplace, and srcinal Medicare does not cover cleaning, fillings or dentures. While there’s no one solution to affordable dental care there are a number of options that can help cut your costs. Here’s where to look.  »  Medicare Advantage While srcinal Medicare (Part A and B) and Medicare supple-mental policies do not cover routine dental care, there are some Medicare Advantage (Part C) plans that do. Many of these plans, which are sold through private insurance companies, cover dental care along with eye care, hearing and prescription drugs, in addi-tion to all of your hospital and medical insurance. If you’re eligi-ble for Medicare, see medicare.gov/find-a-plan to look for Advantage plans in your area that covers dental care.  » Dental discounts   Another way you can reduce your dental care expenses is to  join a dental discount network. How this works is you pay an annual membership fee — around $80 to $200 a year — in exchange for 10 to 60 percent discounts on service and treat-ments from participating dentists. To find a network, go to Den-talPlans.com (or 888-632-5353) where you can search for plans and participating dentists by zip code, as well as get a breakdown of the discounts offered. Another option that’s currently available only in the southern California area is Brighter.com. They provide users free access to a network of dentists offering up to 50 percent discounts on all services.  » Dental schools   Dental school clinics offer savings opportunities too. All 65 accredited dental schools in the U.S. offer affordable care provid-ed by dental students who are overseen by their professors. You can expect to pay about half of what a traditional dentist would charge and still receive excellent, well-supervised care. Another option is to check with local colleges that offer dental hygiene programs. For training purposes, many programs provide teeth cleanings by their students for a fraction of what you’d pay at a dentist’s office.  To search for nearby dental schools or dental hygiene programs visit ada.org/dentalschools.   » Veterans benefits   If you’re a veteran enrolled in the VA health care program, or are a beneficiary of the Civilian Health and Medical Program (CHAMPVA), the VA is now offering a dental insurance program that gives you the option to buy dental insurance through Delta Dental and MetLife at a reduced cost. The VA also provides free dental care to vets who have dental problems resulting from service. To learn more about these options, visit va.gov/dental or call (877) 222-8387.  » Low-income options   If you’re low income, there are various programs and clinics that provide dental care at a reduced rate or for free. To look for options in your area contact your state dental director (see astdd.org), or your state or local dental society (ebusiness.ada.org/mys-tate.aspx). You may also be able to get discounted or free dental care at one of the federally funded HRSA health centers (findahealthcen-ter.hrsa.gov, (877) 464-4772), or at a privately funded free clinic (nafcclinics.org). Also check with the Dental Lifeline Network (dentallifeline.org, (888) 471-6334) which provides free dental care for low-income elderly and disabled; Remote Area Medical (ramusa.org) which offers free health, eye and dental care to people in select locations; and Indian Health Service (ihs.gov), which provides free dental care to American Indians and Alaska Natives who are members of a federally recognized Indian tribe. Also see toothwisdom.org, a website created by Oral Health America that will help you locate low-cost dental care. Send your senior questions to: Savvy Senior, P.O. Box 5443,  Norman, OK 73070, or visit SavvySenior.org.  Jim Miller, creator of the syndicated “Savvy Senior” information column, is a longtime advocate of senior issues. He has been featured in Time magazine; is author of “The Savvy Senior: The Ultimate Guide to Health, Family and Finances for Senior Citizens”; and is a regular contributor to the NBC “Today” show. November 2014 — 3  A Guide to Finding  Affordable Dental Care  If you live in a mountainous region of Montana, you have already seen snow on the high peaks. If you’re on the plains, there’s a chill in the air when the wind blows these days.And like our meadowlarks, blue birds, goldfinches, western tanagers and a host of other birds, many of Montana human resi-dents’ thoughts turn south about now. We all have friends who have already flown the coop, and now we are left behind, facing the prospect of a long, cold lonely winter. As I write this, a cold fall wind is worrying the eaves of our house, whispering portents of blizzards in the not-too-distant future.If you can afford it and you are retired, or if you’re still working and your job allows you to work away from the office, the lure is pretty strong to follow those meadowlarks south-ward.But most of us are stuck here. And that’s OK.Because we’re stuck with skiing the cold smoke at Montana’s world-class downhill ski areas. We’re stuck with ice fishing on Montana terrific reservoirs. We’re stuck with snowmobiling in some of the best snowmobiling terrain on the planet. We’re stuck with cross-country skiing across rolling fields of brilliant, white snow. We’re stuck with walking down the streets of our home towns on calm, moonlight nights, with the snow crunching under our boots. We’re stuck with snowshoeing in the hills and moun-tains. We’re stuck with sipping hot cider with family and friends around a warm, crackling fire.Yeah, we’re stuck, alright. And it’s just fine.So, go ahead, snowbirds. Golf and hang out and watch plays in community theaters and get bored down there. We’ll all be roast-ing chestnuts over an open fire.And loving it. — Dwight Harriman,  Montana Best Times Editor November 2014 — 4   Opinion  Go ahead and fly south; we’ll be just fine here A Monthly Publication for Folks 50 and Better     M    O    N    T    A    N    A Dwight Harriman, Editor ã Tom Parisella, Designer P.O. Box 2000, 401 S. Main St., Livingston MT 59047Tel. (406) 222-2000 or toll-free (800) 345-8412 ã Fax: (406) 222-8580 E-mail: montanabesttimes@livent.net ã Subscription rate: $25/yr. Published monthly by Yellowstone Newspapers, Livingston, Montana
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