Discover
Sixty-Five
January 2022
FREE
Kootenay Seniors Living
After the
Ink Dries
Past publisher and founder
of the Pennywise, Patty
Axenroth shares her
retirement goals and
dreams. Page 4
Just Ask
Ask your questions,
we’ll find the answers!
Page 14
Crossword
Creator
Creator of the popular
ClassiCanadian Crosswords
gives some advice and tips.
Page 13
Discover Sixty-Five - Want to distribute these magazines? Call 1-800-663-4619
A
Ginkgo Biloba Club
WK Social Scene
Senior Citizens Associations of BC
make FUN things happen.
Due to current COVID restrictions, many programs
are on hold. Watch for announcements January 18.
After the 18th, contact your local branch for news.
Balfour Branch 120
8435 Busk Rd. Balfour
email:
bsca120@hotmail.com
Castlegar Branch 46
President: Bev Kennedy
bev.kennedy@telus.net
2101–6th Ave Castlegar
Open Monday – Friday
9:00am to 4:00pm
Kaslo Branch 81
304-4th St. Kaslo
email:
lmdepape@gmail.com
1st Tuesday, of the
month, lunch at 12:00
noon, meeting at 1:00pm
Every Friday meet &
greet drop-in coffee
9:30am – 11:30am
year round
Nelson Branch 51
717 Vernon St, Nelson
email: Sharon
sharbrow@shaw.ca
Monthly Meeting: 1st
Wednesday of the
month: 10:30am
Weekly Activities:
Monday, Tuesday,
Thursday, and Friday:
Bridge and Dominoes
1:00pm
Wednesday & Sunday:
Cribbage 1:00pm
3rd Wednesday
of the month:
Book Club 9:30am
1st & 3rd Thursday:
Yoga at 1:00pm
Saturdays: Chess and
Knitters 9:30am
Evenings: Scrap Bookers,
Rug Hookers and
Snooker Players meet.
Looking for Euchre,
Scrabble, Texas Hold’em
and chess players.
Passmore
Branch 116
Passmore Hall,
3656 Old Passmore Rd
Monthly Activities:
Alternating Fridays
Card games: Whist and
Cribbage at 1:00pm
Wednesdays Carpet
Bowling 1:00pm
2nd Sundays at noon
monthly business
meetings followed by
a potluck and Tiki card
game.
Special meetings on
issues of general
interest to seniors, like
participation in the BC
Senior Games.
If we missed your
association -
we want to know!
Please call toll free
1-800-663-4619
Kaslo
Procter-Harrop
Branch 118
7906 Woodside Rd
Procter
email: Sharon
rsboldt@telus.net
Weekly Activities:
Monday
Carpet Bowling
10:00am all year
Monday
Shuffle Board
10:00am winter
Wednesday
Cribbage
1:30pm all year
Trail Branch 47
1501 Cedar St, Trail
Note: The most direct
entrance to the Seniors
Centre, which is located
in the Greater Trail
Community Centre, is
on Portland Street.
Phone 250 364-0960
Columbia Basin Trust supports
the ideas and efforts of the people
in the Columbia Basin.
ourtrust.org
2
Strengthening the places we love
Strengthening the places we love.
Jan 2022, Discover Sixty-Five – Want to advertise? email seniors@pennywiseads.com
Columbia Basin Trust supports the ideas and
efforts of the people in the Columbia Basin.
Brass Tacks
Cannabis Corner.............. 6
What Can a Pharmacist
Do For You?................. 7
Did You Know?................ 7
Preparing to Sell
Your Home?.................. 8
Services:
• Better at Home
• Community Response
Network
• WK Volunteer Drivers.. 15
Ginkgo Biloba Club
WK Senior Citizens
Associations................... 2
Annette’s Best Biscuits .9-10
Senior’s Discounts......... 10
Care to Share..................11
Puzzle....................... 12-13
Crossword Tips & Tricks.13
Puzzle Solutions ........... 15
Scratch the Surface
After the Ink Dries.
Interview with Publisher
Patty Axenroth.............. 4-5
Just Ask......................... 14
Contact Us
email: seniors@pennywiseads.com,
Mail: Discover 65,
Box 430, Kaslo, BC V0G1M0
or drop submissions at the office
#209 - 312 Fourth St, Kaslo.
Phone 250-353-2602 or
toll free 1-800-663-4619
All content © Discover Sixty-Five 2022
a KS Perry Publications product.
What Ginkgo Biloba Club?
For a very long time Ginkgo Biloba
has been my favourite phrase.
When I say the words, I don’t think
of it as a living fossil, the oldest
tree on earth, stinky when its fruit
and leaves rot, and valued for
its purported memory-enhancing
properties. All great things, to be
sure, but for me I see fun,
dancing, music, and laughter!
Now you are saying Ginkgo Biloba
in your mind, aren’t you? Do you
see what I mean? How the words
roll off your tongue and sound like
a party? Joyful words, suggestive
of a really good time! Now add the
word Club – Ginkgo Biloba Club :)
I took over the Pennywise from
founding publisher Patty Axenroth
in 2017. When the staff and
I decided to start this magazine
for retirees and seniors and their
families and caregivers, we were
excited for the opportunity to create
something special to benefit
this particular demographic that
has, and continues to contribute
so much to our communities and
culture.
Finally a chance to use my favourite
phrase presented itself.
Ginkgo Biloba Club – this will be a
regular feature where the fun stuff,
like puzzles, events, social organizations
and the Care to Share
appear.
Along with the fun stuff, we plan to
fill it full of pertinent information as
well. Our 4 main features are:
seniors@pennywiseads.com • 1-800-663-4619
January 2022
BRASS TACKS:
Articles from local experts, like
lawyers, pharmacists, health
practitioners, veterinarians, a
cannabis wellness coach, realtors,
educators, accountants, etc... All
‘expert’s articles’ will be signed by
the writer to make it easy for you
to get more information, locally.
Have a topic you would like us
to cover? Call us – or submit a
Just Ask question.
GINKGO BILOBA CLUB:
Seniors Social Scene. This feature
will share events, fun opportunities,
puzzles, recipes, the Care
to Share page, travel stories and
perhaps personals at a later date.
SCRATCH THE SURFACE:
An off-shoot of the work started by
Nelson Cares/Kootenay Seniors.
They suggested we keep the
practice of interviewing our senior
community members.
We like this idea.
If you know a person whose story
should be shared – call us!
JUST ASK:
This feature will be driven by our
readers. If you have a question
send it in, we will find the answer.
We thank you for sitting down now
to read this very first edition, and
we look forward to your feedback
which will help it grow in the
direction most useful to you.
~ Karma Halleran, Publisher
Karma
Halleran
Publisher
Larissa
Scott
Sales
Erika
Bird
Editor
Julie Wilson
Care to
Share/Sales
Jeremy
Taylor
Designer
Adam
Prisciak
Sales
Zeb
Hansell
Webmaster
Discover Jan 2022, Sixty-Five Discover - Sixty-Five Want to distribute Want to these submit magazines? for publication? Call 1-800-663-4619
email seniors@pennywiseads.com
Gary
Schnieder
Designer
3
Scratch the Surface
After the Ink Dries...
Patty Axenroth, founder of the Pennywise,
retires after 42 years. ~ Karma Halleran
Patty Axenroth is a friend,
neighbour and mentor. For
42 years, Patty was entrepreneurial
to her core. She had
a can-do and positive attitude
that embraced not only her
work, but her friends, family
and community as well. In late
2016 she decided she wanted
to retire and by April 1st, 2017
(it being April Fool’s Day is just
a coincidence!) the deal
was done.
She has been practising retirement
for almost 5 years now. I
spoke with her about that…
Her history in brief
I moved to Kaslo from southern
California in 1975 and
needed to find some work.
My Dad came to visit me and
we brainstormed work opportunities.
He helped me whittle
4
it down to two ideas:
1) I could make fresh
pies for sale, mixing
and building them in
the window of a shop
where people could
watch (I don’t think
so, I thought) or 2)
his favourite idea,
publish a community
shopper focussing
on reader ads and
display ads.
I could already
bake a wicked pie,
but I had done nothing like
publishing. My Dad, experienced
in the magazine industry,
took the time to teach me
the basics. So I became a publisher!
The first Pennywise hit
the mailboxes and newsstands
in late June 1975.
Pennywise gets rolling
It turned out that I
loved this business!
And even though initially
it was always on
the brink of failure, the
people, the villages
we served, and the
spirit of the area kept
me going. I had to
borrow to help cover
my expenses, and if I
had a profit of $25-
$75, in those days,
that fed me and my
animals for the week.
It was a challenging
and exciting time in
my life. I met my longtime
husband, and
together we grew the
Pennywise to cover
Patty’s garden is a peaceful sanctuary all year round.
the West Kootenay.
A couple of highlights
What stands out the most
about the 42 years I spent
building the Pennywise, are the
amazing and talented people
who came through my door.
What also comes to mind
are the times spent with my
co-workers. We had a rule that
if we were spending most of
our waking hours together,
we need to be guided by fun
and caring.
Pennywise gave us many
opportunities to travel
together to newspaper
conferences. One time we all
went to New Orleans for an
Independent Free Papers of
America conference. We had
great fun dancing in our own
parade down Bourbon Street.
As always, at these conferences,
we took home many
awards. I was always so proud
of my team.
Fletcher Falls with the grandchildren,
and grandpup. Photo left: Julia Hamilton
A retirement plan?
After my husband passed
away, and my kids were enjoying
their own successful lives,
I came to the realization that it
was time for my Act III. I know
that’s not exactly what you’d
call a Retirement Plan, but I
knew then that it was time to
throw my fate to the wind and
move on. I had been publisher
for almost 42 years at that
point. I felt the paper needed a
new publisher with new ideas.
A creative and inspired person
who cared about the community.
The right person had
already been part of the team
for 29 years. I stepped down
and Karma Halleran stepped
up to take the reins of the
business.
What are the aspects you
love most?
The very best thing about
retirement is having time.
Time to explore everything I
had put on hold or hadn’t even
dreamed of yet. Time to experience
the things I was curious
about.
Also time to be a Grammie.
As a working mom I
missed out on the small
steps my kids made
growing up.
I now have this second
chance to experience all
the steps. I love the time
I get to spend with my
daughter’s children.
What are the
benefits
of retirement?
There are lots!!
The time I spend
enjoying my family
is the number one
benefit. The second
benefit is all
the possibilities for
learning anything
and everything!
The third benefit
is time with
friends and
helping those
who need it, and
enjoying living in the
Kootenays!
Do you have a
bucket list?
I sure do and it gets longer
all the time. A couple of my
priorities are
1) getting back down to
California to see my family.
During covid, my 6 siblings
have been zooming a couple
of times a month. It has been
wonderful to see them so
regularly, but I really want to
hug them.
Patty has rescued many animals over the years – birds,
dogs and cats. This lucky cat Twinkle, suffers from MS,
and could not have landed in a better place.
2) I can’t wait to be able to
resume my annual trips to the
Best Friends Animal Sanctuary
in Utah. For over 15 years,
I have been going there to
volunteer with the animals,
and reconnect with the friends
I have made there.
Final thoughts?
Retirement has provided me
with a great opportunity to
start again, exploring new
things and appreciating the
old. My only complaint is that
the days roll by way too fast!
D65
5
BRASS TACKS:
Cannabis Corner
The cannabis plant was used for
millennia in our daily health regimens
until the turn of the 20th
century when cannabis use became
criminal and stigmatized.
Prior to criminalization, cannabis
was used medicinally to treat
concerns like arthritis, migraines,
epileptic conditions, depression,
asthma and “women’s pains”. Even
Queen Victoria was known to take
a cannabis tincture, given to her
by her doctor, Sir J. Russell Reynolds,
to relieve menstrual cramps.
In 1890, Sir J. Russell Reynolds
wrote:
“When pure and administered carefully,
[cannabis] is one of the most
valuable medicines we possess.”
There are different varieties of the
cannabis plant that contribute to
www.terese.ca
Speakeasy Women’s
Cannabis Club
A safe place to talk and learn about cannabis with
a community of people just like you
Speakeasy Women’s Cannabis Club
for women 40+ who are curious about
medical cannabis.
Welcome to a space where you can
comfortably ask your cannabis
questions and share your stories.
DETAILS
Monthly zoom get togethers on the 3rd Wed of
the month from 6:45pm - 8:45pm PST.
Hosted by Terese Bowors,
Certified Cannabis Coach.
OPTION 1
Yearly Membership: $199+gst - limited spaces
OPTION 2
Drop into any monthly workshop for $20+gst
REGISTER HERE: INFO@TERESE.CA
STARTS WEDNESDAY, JANUARY 19, 2022
The Cannabis Plant
Jan 2022,
different flavours, uses, storage
capacity and regional compatibility.
Much like apples! Some apples
are great for eating, making pies,
sauces or juice; different varieties
taste different, have a different
crunch and purpose. When it
comes to cannabis, no two plant
varieties are the same, but they all
stem from the genus of the flowering
plant called Cannabis. The
species name is Cannabis Sativa L,
while Cannabis Sativa and Cannabis
Indica are subspecies..
Cannabis Sativa is indigenous to
Afghanistan and Eastern Asia and
typically grows in warm regions
at low elevations. These plants are
tall and spindly with spread out
flowers and narrow leaves.
Cannabis Indica grows in cooler
regions at higher
Cannabis 101
DIY Cannabis
Fats
How to Grow
Cannabis
Outside
DIY Skin Care
and Salve
DIY Cannabis
Alcohol and
Sugar
Cannabis for
Weight Loss
and Fitness
DIY Bath
Bombs
Cannabis for
Seniors
Cannabis
for Sex -
Let’s Make
Lube!
elevations. These
plants are short
and stocky, with
wide leaves and
dense flowers.
Indicas are better
adapted to grow
the varieties with
a higher level of
CBD. These are
becoming more
well known today.
Indica plants
grow best outdoors
in the West
Kootenay region
while most Sativas
would need
to be grown indoors
due to our
short and cooler
growing seasons.
The medicinal
components
~ Terese Bowors
With the legalization of marijuana, curiosity has increased in those who had been deterred
from experimenting when it was illegal. Over the coming year, Terese Bowors,
Certified Cannabis Wellness Coach, will educate us about the benefits this plant can
bring to our lives.
6
of cannabis are found predominantly
in the flower of the female
plant in the sticky, crystal-like hairs
called trichomes. If a female plant
remains unpollinated by a male
plant, she will create big, beautiful
flowers, commonly known as
buds. Typically, male plants are destroyed
to avoid pollination, unless
a gardener is keeping them safely
separated for breeding purposes.
Once a female plant has been
pollinated, she creates seeds in the
flowers which lowers the medicinal
potency in the trichomes.
Sativa and Indica subspecies have
erroneously been associated with
different effects on the body.
While it may be helpful to know if
your cannabis is derived from an
Indica plant vs. a Sativa plant to
understand the medical implications,
there is much more to the
story than this alone. Culturally,
we’ve considered that Indica flowers
cause a sedating effect and a
Sativa flower to be energizing. But
there are exceptions and inconsistencies
to this understanding.
In a future article we will look at
additional factors that impact our
responses, like the cannabinoid
ratio and terpene profile.
~ Terese Bowors,
Certified Cannabis Wellness Coach
www.terese.ca info@terese.ca
REFERENCES:https://www.ncbi.nlm.
nih.gov/pmc/articles/PMC2931545/ -
Queen Victoria
https://acnr.co.uk/2019/07/john-russell-reynolds/
- Sir J. Russell Reynolds
The information shared is for educational
purposes and should not be seen as medical,
nursing, nutrition or legal advice and
is in no way meant to take the place of
your health professionals.
Discover Sixty-Five – Want to advertise? email seniors@pennywiseads.com
What can your pharmacist
do for you?
Pharmacists are medication
specialists. Let’s start at the
beginning: What is a drug/
medication? Many people believe
that medications only
include prescription drugs.
According to the oxford dictionary,
a drug is “a medicine or
other substance which has a
physiological effect when ingested
or otherwise introduced
into the body.” So, a drug is
more than just a prescription
medication. A drug can include,
but is not limited to, prescription
medications, non-prescription
medications, herbals, or
vitamins. They come in many
forms, such as creams, ointments,
eye drops, capsules, or
tablets. Drugs, for the purpose
of this column, are products
that treat, cure, prevent, or are
used to diagnose a medical
condition or ailment.
The pharmacy is an important
part of your healthcare team.
Every patient has their own
unique thoughts about medication
use. What do you want
from your medications?
Did you know?
• To take the fewest medications
possible,
• To reduce cost of medications
• To know everything you can
about the medications you
put in your body,
• To stop or prevent negative
interactions between a medication,
a vitamin, herbal supplement,
or other substance,
• To manage or reduce side
effects of medications, or
• To learn about lifestyle changes
that may reduce the need
for medication or help medications
work better?
A pharmacist can help you meet
the above goals and more. To
help you meet your healthcare
needs, we need and want to
talk to you to ensure you are
getting the best medication for
your medical condition, at the
best dose, are taking it in the
best way for it to work effectively,
and are storing medications
safely so they continue to work
as intended. Pharmacists also
ensure the prescription medications
you are taking can safely
be taken together and help
manage any issues you may
have in taking them.
Courtesy of our provincial
healthcare system, you are entitled
to 2 free Medication Reviews
every year. If you take 5
or more medications, you qualify
for this free service with your
pharmacist at no charge to you.
Your pharmacist will discuss
drug and non-drug measures
with the goal of optimizing your
medication regimen. A summary
printout is given, recommendations
can be made to the
doctor, and drug interactions
and side effects can hopefully
be minimized.
To take advantage
of this
service, simply
phone your local
pharmacist,
or one of us at
BRASS TACKS:
Health & Wellness
We are a couple of pharmacists
that between us have 42 years
of experience in various practice
settings. As pharmacists,
we work for you, our patient,
and strive to always put your
health first. We want to share
our knowledge about pharmacy,
medication, medication
safety, and pearls of wisdom we
can use to work better together
– patient and pharmacist.
In future articles we would like
to ensure we write about what
you, our readers would like to
learn about. So, please send
general pharmacy questions to:
seniors@pennywiseads.com
We will do our best to touch on
the common topics we receive.
Questions on a specific situation
cannot be safely answered
in this format, so please discuss
them with your trusted health
professional. Thank you.
~ Bonnie M. BSc(Pharm), RPh
Catherine M. BSc(Pharm), RPh
***Please note the information given in
the article is not a substitute for professional
medical advice, diagnosis,
or treatment. If you have or suspect
you have a health problem, consult
your family physician, or healthcare
any of our three locations and
book an appointment for your
free review in 2022.
Wishing you a Healthy and Happy New Year
• Locally Owned • 10 years in service • BC’s 1st drive through Pharmacy (in Castlegar)
This DID YOU KNOW section is brought to you by the
Pharmacists at T.H.E. PHARMACY, supporting all of
your Rx, health & wellness needs in Kaslo,
New Denver & Castlegar areas.
Kaslo
250-353-2224
New Denver
250-358-2500
Jan 2022, Discover Sixty-Five – Want to distribute these magazines? Call 1-800-663-4619
Castlegar
250-365-0001
7
BRASS TACKS
Real Estate
Preparing to Sell your Home?
Making the decision to sell your
home is a personal process.
Take your time and reflect on
what is prompting your decision.
If you are sure that it is indeed
time to sell, there are many
things you will need to consider.
Some aspects of selling will be
legal and practical, and some
will be emotional. Here are
some tips – not only to prepare
your home, but to prepare yourself
for the process.
First impressions can have a
lasting affect on a buyer: how
does your home present from
the street?
Curb appeal. To get your home
looking its best, consider giving
your front door a fresh coat of
paint and a new welcome mat.
Having planters with colourful
flowers and doing some landscape
tidy-up is helpful. Pressure
wash the driveway and
clean out the gutters.
De-personalize the house.
Presenting the home as a blank
canvas, awaiting the imagination
of the buyers, helps to sell it. It is
important to give the impression
of new beginnings for potential
buyers. De-personalizing your
home can be challenge, though.
The years of raising your children
here, or other great memories,
create strong emotional
ties to objects or marks, such
as a growth chart penciled on a
doorjamb. Try to remember how
you felt when you first came to
look at the same house, picturing
your fresh start, imagining
putting down roots.
Staging your home will help
your potential buyers to envision
themselves in your home.
What does that mean? Start by
removing personal items – allow
the space to be showcased without
distraction. Give the walls
a fresh coat of paint in neutral
tones, then it will look clean
and ready for a new homeowner’s
unique touches. Add a few
plants. Make sure the home has
no lingering smells. Open all the
curtains to allow natural light to
fill the rooms. Fix any loose handles,
doorknobs, or closet doors
and clean up scuffs and scratches.
In the kitchen, remove refrigerator
art and countertop appliances.
Give the fridge a deep
clean, again to make sure that
any odours from recent meals
do not linger. In the bedrooms
remove excess clothing and personal
photos and de-clutter the
closets. Shine up the bathroom
and remove all personal grooming
objects and medications.
Staging your home does not require
a professional. You can do
this! Keep furniture and decorative
objects to a minimum, and
arrange them simply, leaving
room for the potential buyer’s
imagination. Reducing clutter
will also serve to help keep your
home clean and tidy between
showings, so you are ready to
show at short notice. Keeping
everything presentable is vital,
so make a plan that isn’t too
much trouble for you.
And the next big decision – when
you house sells – where will you
and your family go, how will you
spend your time? For this part,
all you need is a simple plan.
~ Kul Nijjar, PREC*
Your Kootenay Property Matchmaker
Fair Realty – Kaslo Branch
311 4th St Kaslo BC
KootenayBC.com
Kul@KootenayBC.com
Find your match
KootenayBC.com
KUL NIJJAR PERSONAL
REAL ESTATE CORPORATION
8
Jan 2022, Discover Sixty-Five – Want to advertise? email seniors@pennywiseads.com
Annette Gallatin
Annette’s Best Biscuits
Hello there! Back when I was a busy
working Mom, I made use of mixes anytime
I needed something in a hurry. I’m
thinking that some things don’t change
– women still live busy lives and need
“go-to recipes” – so I’m going to start
you with my star: Biscuit Mix.
Biscuit mix was at the top of my list, because
I could make over 200 different
items which used that easy to make
Ginkgo Biloba Club
Recipes
and store recipe – from biscuits to fruit
desserts, finger foods and soups and
main dishes.
I’m giving you the “regular” recipe,
though I doubled it every time I made
it. It doesn’t take much longer to double
it and you’ve got that basic mix every
time you need something in a hurry,
which can be often!
BISCUIT MIX
8 cups regular white flour
1 cup skim milk solids (powder)
1 tbsp salt
1 cup lard or shortening
1/4 cup baking powder
Put the dry ingredients in a large
bowl. Mix thoroughly with a whisk
then add the lard or shortening and
cut it in with a pastry cutter or two
sharp knives. Cut, stirring the mixture
a bit as you go so that every bit
of the lard gets cut. You want the mixture
to have the consistency of cornmeal.
Place in a closely covered container
and keep at room temperature.
BASIC RECIPE FOR TEA BISCUITS:
Preheat oven to 415’F.
2 cups Biscuit Mix in a medium bowl - add
1/2 cup milk or water.
Stir briskly with a fork - to make a soft but not sticky dough.
Turn onto a lightly floured surface and knead gently 8-10
times. Don’t “play” with it or your biscuits will be tough!
Roll/pat the dough to a 1/2” thickness and cut with a floured
2” cutter.
Set aside the little ‘in between’ pieces - combine them to
make the last biscuit you cut.
Remember – it’s biscuit dough – not play dough. Just work
those little pieces in quickly.
You should get six small to medium biscuits (depending on your cutter).
Place them on an ungreased baking sheet and bake on the ‘second
from the bottom’ oven shelf for 14 minutes at 415ºF. Perfect!
DROP BISCUITS
Preheat oven to 415ºF.
To 2 cups biscuit mix, add 2/3 - 3/4
cup milk or water. Drop from a
spoon onto greased baking sheet.
Bake as above.
CELERY SEED BISCUITS
To Basic 2 cup Mix Recipe add 2
tsp celery seed, add liquid and roll
1/2” thick. Cut into squares. Brush
tops with milk and sprinkle with
additional celery seed, if desired.
Bake on ungreased baking sheet
at 415ºF for 14 minutes.
CHEESE & BACON BISCUITS
To Basic 2 cup Mix Recipe, add 1/2
cup finely shredded nippy cheese
and 1/4 cup chopped crisply
cooked bacon, mix well and add
liquid. Roll and bake as for Tea
Biscuits.
DRIED FRUIT BISCUITS
To Basic 2 cup Mix Recipe, add 1/3
– 1/2 cup dry cranberries, blueberries,
or raisins – add some lemon
rind too, if desired.
PARSLEY BISCUITS
To Basic 2 cup Mix Recipe add 2
tbsp minced parsley before adding
liquid. Mix well then add liquid.
Bake as for Tea Biscuits.
TOMATO SOUP BISCUITS
To Basic 2 cup Mix Recipe add 1/3
cup condensed tomato soup and
decrease water to 1/3 cup. Bake
as for Tea Biscuits.
PANCAKES
You can have “pancakes for dinner”
SAVOURY BISCUITS
in a jiffy:
To Basic 2 cup Mix Recipe add 1/3 To Basic 2 cup Mix Recipe, add 1
CHEESE BISCUITS
tsp sage, 1/4 tsp each of thyme tsp vanilla, a bit of sugar and/or a
To Basic 2 cup Mix Recipe add ½ and summer savoury. Mix well bit of cinnamon (if you like) and
cup grated cheese. Mix well and then add liquid. Roll and bake as increase milk to desired consistency,
add liquid. Bake as for Tea Biscuits. for Tea Biscuits.
then fry in lightly buttered
fry pan. Delish!
Jan 2022 Discover Sixty-Five - Got a great recipe? email seniors@pennywiseads.com, 9
Ginkgo Biloba Club
Annette’s
Best Biscuits
cont’d
CINNAMON ROLLS
To Basic 2 cup Mix Recipe, add
liquid and roll out dough into a
10x12” rectangle.
Brush with melted butter, add
brown sugar, cinnamon, and raisins
as much as you like of each
Roll like a jelly roll, then with seam
on bottom, cut into 1/2 - 3/4 inch
thick slices.
Place on buttered baking pan so
that there’s “room to rise” between
the rolls.
Bake at 415ºF for 13-14 minutes.
Watch them! You want them
baked but not burned!
Seniors Discounts
PIZZA PINWHEELS
Great in lunches, too! Take 2 cups
of Basic Mix Recipe, add liquid and
roll out into a 10x12” rectangle.
Spread dough with pizza sauce,
thinly sliced meats (such as pepperoni,
salami, summer sausage)
OR cooked ground beef. Sprinkle
with a “not too thick” (but not
chintzy) layer of grated cheese.
You can cut it into squares or triangles
and bake on an ungreased
baking sheet 415ºF for 13-14 minutes
or you can roll that 10x12
rectangle tightly enough so all the
fixin’s don’t fall out (!) Then cut
slices 1/2 to 3/4” thick which you
place with room to rise on a baking
sheet and bake at 415ºF for 13-
14 minutes.
DUMPLINGS
Seniors Discounts
Mix 2 cups biscuit mix with 2/3 –
3/4 cup milk or water.
Adjust the heat so that your gravy
of choice (such as chicken in gravy
or meat stew in its own gravy)
continues to boil gently. Drop the
mixture by tablespoonfuls onto
bubbling gravy.
Cover and don’t lift the lid OR
peek at the contents for 14 minutes.
Trust me! At 14 minutes, the
lid comes off and tah-dah!
The dumplings (and supper!) are
done!
Please NOTE: store the mix at
room temperature. Don’t refrigerate
it! Trust me: it won’t spoil and
it keeps for many many months.
But you will use it faster then that!
~ Annette
Seniors Discounts
BALFOUR SUPERETTE OFFERS 10% off
purchases for all Seniors. 7824 Hwy 3A, 2
50-229-4612.
CORNUCOPIA SENIORS DAY: 10% off your
purchase every Friday, 9am-5:30pm. 422
Front St, Kaslo. 250-353-2594.
DID YOU KNOW each Thursday Seniors receive
20% off regular priced items at Shoppers
Drug Mart 1116 Lakeside Dr. Nelson?
Some exclusion apply. 250-352-7268.
EVERY DAY IS SENIORS DAY at Nelson
Remedy’s RX 737 Baker St. Mention you are
a Senior and receive 10% off your purchase.
Some exclusion apply. 250-352-0022.
EVERY FRIDAY IS SENIORS DAY at Salmo
Valley Pharmacy. Receive 10% off your purchase.
107 4th St, 250-357-9444.
EVERY THURSDAY SENIORS RECEIVE 20%
OFF regular priced items. Some exclusion
apply. Shoppers Drug Mart, 1965 Columbia
Ave, Castlegar. 250-365-5888.
10
EVERY TUESDAY Seniors receive 20% off
regular priced items. Some exclusion apply.
Pharmasave Nelson, 685 Baker St,
250-352-2316.
FIRST TUESDAY OF EVERY MONTH Seniors
receive 10% off regular priced items at Shop
Easy, 303 Main St in Salmo. 250-357-2316.
Some exclusions apply.
L’BEAR’S NATURAL FOODS in Trail offers
10% off all vitamins everyday for shoppers
60+. 1339 Cedar Ave, 250-368-8318.
LAST MONDAY OF THE MONTH T.H.E.
PHARMACY - Castlegar offers Seniors
20% off storewide. 1002 Columbia Ave,
250-365-0001.
MENTION YOU ARE A SENIOR (65+) and receive
15% off regular priced supplements at
Nature’s Health Products. 461 Josephine St,
Nelson. 250-352-7557.
SENIORS RECEIVE 10% OFF supplement
purchases at Sunnyside Naturals everyday.
404 Front St, Kaslo. 250-353-9667.
SENIORS WHO SHOP PHARMASAVE,
CASTLEGAR every Tuesday, receive 20% off
regular priced items. Some exclusion apply.
1128 3rd St, 250-365-7813.
SENIORS! SHOP THE FIRST WEDNES-
DAY OF EVERY MONTH and receive 10%
off your purchase. Some exclusions apply.
Kaslo Front Street Market, 411 Front St,
250-353-2331.
SHOPPERS SIMPLY PHARMACY offers Seniors
20% regular priced items every Thursday.
Some exclusion apply. #117 1983 Columbia
Ave, Castlegar, 250-365-3400.
SMALL ENGINE TUNE-UPS AND REPAIRS:
All makes and models. Snowblowers,
chainsaws, etc. Senior Discount offered.
250-365-0005.
SENIORS DAY EVERY THURSDAY: Receive
20% regular priced items at Shoppers Drug
Mart, 1305 Cedar Ave, Trail, 250-368-3341.
Some exclusion apply.
10 Jan 2022, Discover Sixty-Five – Want to advertise? email seniors@pennywiseads.com
Care to Share
Ginkgo Biloba Club
Barry and Geri’s Baker’s Dozen of Grandkids!
Submitted by Geraldine Buchanen
Courtney Olivia Connor Ava Danny Julia Briar Winston Luke Haizley Brooks Dylan Raeleigh
17 15 14 13 11 10 9 7 5 4 1/2 3 2 7 mo
Rare Sighting - A Buchanan Surprise
The Buchanan Access trail located high above Kaslo,
on the north side of town, is a legendary route mostly
used by hikers and bikers looking for challenging terrain.
The difficulty of this trail cannot be overstated.
It features a substantial elevation gain and technical
sections. Typically Kootenay wildlife roams this area
but what’s not typical is spotting an 89 year old man
power-walking the trail.
Jim Greentree, a part time Kasloite, is the man who
tackles this feat regularly on foot. His regular loop
starts at the Brake Check, heads across the trail west
to the Monster Trail then down to the Wagon Road
and back to town. This is roughly a 14 km stroll.
Jim, who soon turns 90, says that his ability to
tackle this journey is more mental than physical. I’d
say it’s mostly both mental and physical. Clearly he’s
not acting his age. We have many talented and exceptional
people in Kaslo but it’s hard to imagine anyone
excelling in a more bizarre way than Jim does.
If you are lucky enough to get to chat with Jim, and
he asks you to go for a walk...
Submitted by Glen McRae
Fall Flowers... Submitted by Cathy Linley
❤Collecting Valentines Stories, Poems & Photos for the February Edition. Submit by January 18❤
Discover Send Sixty-Five, us your photos, Jan 2022short stories (100 - 200 words) poems, best joke etc to Care to Share
by email to seniors@pennywiseads.com, by mail to Care to Share, Box 430 Kaslo BC V0G 1M0,
or drop off at Pennywise, #209 - 312 Fourth St, Kaslo Phone 250-353-2602, 1-800-663-4619
11
© ClassiCanadian Crosswords
Ginkgo Biloba Club
Puzzles
1 2 3 4 5 6 7 8 9 10 11 12 13
ave a senior moment?
14 15 16
eorge who
Act
said
your
"When
age!
I was a
(and love it)
17 18 19
oy the Dead Sea was only sick"
ClassiCanadian Crosswords, Barb Olson
ackwoods buggy
20 21 22 23
ACROSS
's ___ to the bottom
1 Have a senior moment? 24 25 26 27
lacksmithing 6 fixture George who said “When I
02, in Roman was numerals a boy the Dead Sea 28 29 30 31
was only sick”
ore cheerful
11 Backwoods buggy
32 33 34 35
e last Olds 14 made It’s ___ to the bottom
36 37 38 39
impy's pooch 15 Blacksmithing pal
fixture
16 1002, in Roman numerals 40 41 42 43 44 45 46
usy answer to "But why?"
17 More cheerful
ffix with 18 ranch The last Olds made
lued to the 19 tube, Stimpy’s say pooch pal
47 48 49 50 51 52
20 Lousy answer to “But why?” 53 54 55
eshly-hired
22 Suffix with ranch
56 57 58 59 60
me, in Spain 23 Glued to the tube, say
rum mob 24 with Freshly-hired mics
61 62 63 64
25 Some, in Spain
ee 1-Down
27 Scrum mob with mics
65 66 67
joying 28 a senior See discount, 1-Down say
arliamentary 31 pro Enjoying a senior discount, 68 69 70
say
ants nothing to do with
32 Parliamentary pro
69 Seniors’ investment funds 26 Fits one in the other
ffix with 33 gluc- Wants or fructate
in French? 35 Suffix with gluc- or fructnothing
to do with
70 Benefits of the senior rate 27 Toronto concert hall or
36 State in French? Down
30 David Suzuki's Vancouver concern tunnel
ualify for DOWN
38
the
Qualify
booby prize
29 Maiden name lead-in
for the booby prize 1 With 28-Across, activist group 31 Brand prefix with Cat or Cone
1 With 28-Across, activist 30 David Suzuki’s concern
egistered 40 corp. Registered symbols corp. symbols dressed in
group
senior
dressed
ladies'
in senior 34 Extremely 31 Brand extreme prefix with Cat or Cone
a ruffled 43 state In a ruffled state costumes ladies’ costumes
34 Extremely extreme
45 City famed for its mall: Abbr.
37 Wild way to go
ity famed 2 Newbie crossword solver’s 37 Wild way to go
47
for
Stop
its mall:
working,
Abbr. 2 Newbie crossword solver's need
in a good
39 Prince of a prov.
need
39 Prince of a prov.
top working, way in a good way 3 Put on ___ (hold for future
3 Put on ___ (hold for future 40 Takes 40 a Takes senior a cruise, senior cruise, say say
enior demographic 49 Senior demographic also called also purchase)
purchase)
41 The third, for The Donald
called the Silver Tsunami
41 The third, for The Donald
e Silver Tsunami
4 Rowe of 4 CBC Rowe Radio's of CBC "The Radio’s Doc “The 42 Showing neither pleasure
53 Playing solitaire, maybe
laying solitaire, Doc Project”
nor pain
54 Fly maybe
Project"
42 Showing neither pleasure nor pain
high
5 Gen ___ (boomers’ successors)
46 “Lady ___” (Beatles song)
44 “Me time” getaway?
y high 55 ___ segno (musical repeat 5 Gen ___ (boomers' successors)
44 "Me time" getaway?
_ segno (musical
sign)
repeat sign)
6 Talk of the flock
46 "Lady ___" (Beatles song)
6 Talk of the flock
48 Welcome-sounding lodging
56 Enjoying one’s mirror image
joying one's 7 Let loose, as a tirade
50 Period of significance
57 Help mirror for image
7 Let loose, as a tirade
48 Welcome-sounding lodging
a bad hair day
8 Many road-tripping seniors 51 Property damager
elp for a 58 bad Nut hair that day may be slivered 8 Many road-tripping seniors
50 Period of significance
9 Oscar-winning actor De ___ 52 Seniors, respectfully
61 Extra in an envelope: Abbr.
ut that may be slivered
9 Oscar-winning actor De ___
51 Property damager
10 ___-mo
54 Those with the wisdom of
62 Nelson coffee Oso ___
tra in an 11 Transistor setting for talk
age
64 envelope: “The First Abbr.
10 ___-mo
52 Seniors, respectfully
48” channel
shows
57 He’s got it coming to him?
elson coffee 65 Oso ___ Fail, ___ Irish Coronation 11 Transistor setting for talk shows
54 Those with the wisdom of age
12 Cravat clasps
59 Praise highly
Stone
he First 48" channel
12 Cravat
13
clasps
57 He's got it coming to him?
Classy word for “elderly” 60 Sex at a stag party
66 ___ the sky (unrealistic)
_ Fail, Irish 21 Meech Lake accord?
62 U.S. cousin of CBC Radio One
67 Coronation Relating to Stone
13 Classy word for "elderly"
59 Praise highly
an arm bone
23 Part of C.R.A.: Abbr.
63 Walk-___ (foot passengers)
_ the sky 68 (unrealistic) Biopic about actor Mineo 21 Meech Lake accord?
60 Sex at a stag party
elating to an arm bone
23 Part of C.R.A.: Abbr.
62 U.S. cousin of CBC Radio One
12
Jan 2022, Discover Sixty-Five – Want to advertise? email seniors@pennywiseads.com
iopic about actor Mineo
26 Fits one in the other
63 Walk-___ (foot passengers)
eniors' investment funds
27 Toronto concert hall or Vancouver
tunnel
Crossword Tips
& Tricks
Hello crossword lovers far and
wide. I am Barb Olson, a crossword
constructor from Nelson, B.C. and
I created the puzzle you see. My
ClassiCanadian Crosswords can
be found regularly in Zoomer
Magazine, Reader’s Digest, Vancouver’s
Megaphone and many
newspapers across the country,
including the Pennywise.
I custom-designed this crossword
for the senior community but
there’s plenty of general-interest
material to appeal to solvers of all
ages. So whether you’re a Boomer,
a Gen X, Y, Z or somewhere in
between, this crossword’s for you.
Happy puzzling!
Barbara Olson has been creating
Crossword Puzzles for our enjoyment
for almost 20 years.
If you have a question about a
clue, or think it’s just plain wrong,
feel free to email the constructor.
Crossword makers love feedback!
You can reach me by email at
barb@classicanadianxwords.ca
Ginkgo Biloba Club
Puzzles (solutions pg 15)
SOLVING TIPS AND TRICKS
1. Try answering the fill-in-theblank
clues the first. They're often
the easiest and can give you a solid
place to get started.
2. A clue ending in a question
mark indicates there's something
funny or punny going on. Watch
for misdirection.
3. Answers may consist of more
than one word. Careful, this is not
always indicated in the clue.
4. There's no such thing as cheating!
If you're stumped, ask Google.
Better yet, try solving with a
friend. More brains means more
brainpower.
Sudoku Here’s How It Works:
Sudoku puzzles are formatted as a 9x9 grid, broken
down into nine 3x3 boxes. To solve a sudoku,
the numbers 1 through 9 must fill each row,
column and box. Each number can appear only
once in each row, column and box. You can figure
out the order in which the numbers will appear by
using the numeric clues already provided in the
boxes. The more numbers you name, the easier it
gets to solve the puzzle!
Jan 2022, Discover Sixty-Five – Want to distribute these magazines? Call 1-800-663-4619 13
Just Ask!
A: Yes! There is no age limit
for getting a mortgage. A retired
person, no matter their age, can
qualify for a mortgage in Canada.
You could even set up a mortgage
with an amortization of up
to 30 years (if CMHC insurance
is NOT required). Another popular
option for seniors is to set up
a home equity line of credit. This
allows you to make interest-only
payments or even to take money
out as needed to supplement
your retirement income.
There are pros and cons to each
of the above options and you
should speak to a mortgage professional
about your situation.
Provided the retiree has enough
retirement income, and meets
all the other qualifying criteria,
such as credit and down payment,
then retirees are just as
financeable as someone who is
still working.
14
Q: CAN A RETIREE APPLY FOR A MORTGAGE? D. Jones
The main obstacle for retirees
is usually income. Most retirees
are on a fixed income, and this
can make it difficult to qualify under
the current guidelines such
as the “stress test”.
What is the “stress test” and why
was it implemented? Below is
an explanation from the government
of Canada.
Because of the fluctuation in interest
rates, the Canadian government
through the Minister of
Finance and the Office of the
Superintendent of Financial Institutions
(OSFI) aims to mitigate
mortgage default risk and any
other risks linked to the housing
market by setting a qualifying
benchmark rate called the stress
test. OSFI is responsible for
setting the mortgage stress test
rate for uninsured mortgages;
for insured mortgages, this is set
by the Minister of Finance. Financial
institutions not regulated
Q: HOW MUCH MONEY DO I NEED TO RETIRE? J. Wilson
A: It is a simple question with
a complicated answer! While
you may have heard lump sums
thrown around like $500,000 if
you’re single or a $1,000,000 for
a couple, how much you’ll need
depends on several factors. A
much more accurate rule-ofthumb
is that the average person
Emily Tucker
RRC
Senior Financial Consultant
Office: 250-352-7777
Direct line: 250-551-7971
will need approximately 80% of
their pre-retirement income to
sustain the same lifestyle after
they retire.
The key? Planning.
The emphasis is on “your” retirement,
because no two will
look the same. You could take
two 55-year-old women with the
same job and
the same postal
code, and their
vision for this
next chapter will
be very different.
emily.tucker@ig.ca
515 Vernon St. Nelson
How much money
you will need
to retire comfortably
is a function
of a) how much
you expect to
by the federal government are
not mandated to use the qualifying
mortgage stress test rate but
may apply this test voluntarily.
In simpler terms, even though the
current rate may be 2.5% -2.9%,
you will need to qualify for payments
based on a rate of 5.25%
to ensure that you can afford potential
future rate increases.
Another consideration is life insurance
on the mortgage. Even
if you are young enough to qualify
for life insurance it may be
cost prohibitive. A mortgage professional
can work with a qualified
insurance agent to ensure
your needs are covered and
that you fully understand your
coverages.
~ Nancy Trotman
Mortgage Broker
875 Columbia Ave, Castlegar
1-250-365-9513 direct
mortgages@nancytrotman.com
have in savings and income,
and b) how much you anticipate
spending.
Key Points: Map out your unique
needs (anticipated expenses,
the necessary and the fun) and
the cash flow you expect to have
available.
Yes, it is complicated but you
can do it yourself. Or, to be sure
you have got it right, meet with
an advisor. She or he will help
you by simplifying the calculations.
Once your future financial
plan is in front of you in black
and white, you will begin to feel
more at ease and can start looking
forward to retirement.
~ Emily Tucker, CFP, RRC
at IG Wealth Management,
emily.tucker@ig.ca
Jan 2022, Discover Sixty-Five – Want to distribute these magazines? Call 1-800-663-4619
9
8
7
6
5
4
3
2
1
I
Services
BETTER AT HOME
Better at Home is a province-wide program to
help seniors remain independent at home and
stay connected with their community.
LOWER COLUMBIA: Stephanie Haukaas
shaukaas@trailfair.ca
CASTLEGAR: Michelle Postnikoff
250-365-2104 Ext. 225
CRESTON: Ashlene Chadburn
betterathome@valley.services
BRASS TACKS
Services
Deanne Monroe
Notary Public, trusted legal services
Wills
Powers of Attorney
Health Care Directives
Land Transfers
250-551-4711
www.nelsonnotary.com
Wheelchair Friendly
534 Josephine St, Nelson
NAKUSP: Louella Cann
louella.cann@aslcs.com
CASTLEGAR: Sandi McCreight
soscastlegar@hotmail.com
NELSON: Lora Whitney
info@kootenayseniors.ca
COMMUNITY RESPONSE NETWORK
In our communities you can contact
these CRN representatives
REGIONAL MENTOR: Heather von Ilberg
heather.vonilberg@bccrns.ca
SALMO: Helen Oldershaw
salmocrn@gmail.com
BEAVER VALLEY: Jayme Fowler
beavervalleycrn@gmail.com
KASLO: Elaine Smith
kaslocrn@yahoo.ca
by Barbara Olson
© ClassiCanadian Crosswords
NELSON: Maxx von Ilberg
nelsoncrn@hotmail.com
CASTLEGAR Sandi McCreight
castlegarcrn@hotmail.com
WK VOLUNTEER DRIVER PROGRAM
Michelle Postnikoff
250-365-2104 Ext. 225
Sandi McCreight
soscastlegar@hotmail.com
Leslie Payne
778-463-5247
Please tell us what services are missing, or what
you would like to see listed.Toll free 1-800-663-4619
Jan 2022, Discover Sixty-Five – Want to distribute these magazines? Call 1-800-663-4619
Act Your Age! (and love
it)
V
13
T
12
A
11
S
10
N
R
U
B
X
A
L
E
R
15 N V I L 16 M I I
R A C E A
A
14
A Y E R 18 A L E R O 19 R E N
G
17
21 22 E R O 23 R A P T
S A Y S O
20
E W 25 U
26 N A S 27 M E D I A
N
24
R A 29 N
30 N I E S 31 S A V I N G
G
28
34 N S 35 O S E
E A 33 S H U
Y
32
O S 39 E
T 37 38
A T L
E
36
44 T 45 E D 46 M
P S E
U
43
S
42
M
41
T
40
R E 49 G R 50 E Y W A 51 V
52 E
48
E T I
R
47
L O N E 54 S O A R 55 D A L
A
53
O N D
M
60
A I N 57 H A T 58 59
A L
V
56
62 E G R 63 O
64 A A N D E
N C N
E
61
66 I E I N 67 U L N A R
I A P
L
65
A L 69 R R S P S 70 D E A L S
S
68
Advertising: seniors@pennywiseads.com
Distribution: distribution@pennywiseads.com
Information: 1-800-663-4619
All content © Discover Sixty-Five • 2022 KS Perry Publications
15
Discover Sixty-Five – Want to advertise? email seniors@pennywiseads.com
Jan 2022, Discover Sixty-Five – Kaslo BC