Mountain Views News, Combined Edition Saturday, August 8, 2020

MVNews this week:  Page 11


Mountain View News Saturday, August 8, 2020 


Dear Savvy Senior:

 I understand that COVID-19 hits smokers a lot harder 
than nonsmokers but quitting at my age is very 
difficult. Does Medicare offer any coverage that helps 
beneficiaries quit smoking? Must Quit

Dear Must,:

It’s true. Smokers and vapers have a higher risk of severe COVID-19 infection as the coronavirus attacks 
the lungs. That’s why quitting now is more important than ever before.

If you are a Medicare beneficiary, you’ll be happy to know that Medicare Part B covers up to eight 
face-to-face counseling sessions a year to help you quit smoking. And, if you have a Medicare Part D 
prescription drug plan, certain smoking-cessation medications are covered too. Here are some other 
tips that can help you kick the habit.

It’s Never Too Late

According to the Center of Disease Control and Prevention (CDC) 12.5 percent of Medicare beneficiaries 
smoke. Many older smokers, like yourself, indicate that they would like to quit, but because of 
the nicotine, which is extremely addictive, it’s very difficult to do.

Tobacco use is the leading cause of preventable illness, responsible for an estimated one-fifth of 
deaths in the United States each year.

But research shows that quitting, even after age 65, greatly reduces your risk of heart disease, stroke, 
cancer, osteoporosis and many other diseases including COVID-19. It also helps you breathe easier, 
smell and taste food better, not to mention saves you quite a bit of money. A $6 pack-a-day smoker, 
for example, saves about $180 after one month without cigarettes, and nearly $2,200 after one year.

How to Quit

The first step you need to take is to set a “quit date,” but give yourself a few weeks to get ready. During 
that time, you may want to start by reducing the number or the strength of cigarettes you smoke to 
begin weaning yourself.

Also check out over-the-counter nicotine replacement products – patches, gum and lozenges – to 
help curb your cravings (these are not covered by Medicare). And just prior to your quit day get rid 
of all cigarettes and ashtrays in your home, car, and place of work, and try to clean up and even spray 
air freshener. The smell of smoke can be a powerful trigger.

Get Help

Studies have shown that you have a much better chance of quitting if you have help. So, tell your 
friends, family, and coworkers of your plan to quit. Others knowing can be a helpful reminder and 

Then get some counseling. Don’t go it alone. Start by contacting your doctor about smoking cessation 
counseling covered by Medicare and find out about the prescription antismoking drugs that can help 
reduce your nicotine craving.

You can also get free one-on-one telephone counseling and referrals to local smoking cessation programs 
through your state quit line at 800-QUIT-NOW or call the National Cancer Institute free 
smoking quit line at 877-44U-QUIT.

It’s also important to identify and write down the times and situations you’re most likely to smoke 
and make a list of things you can do to replace it or distract yourself. Some helpful suggestions when 
the smoking urge arises are to call a friend or one of the free quit lines, keep your mouth occupied 
with some sugar-free gum, sunflower seeds, carrots, fruit or hard candy, go for a walk, read a magazine, 
listen to music or take a hot bath.

The intense urge to smoke lasts about three to five minutes, so do what you can to wait it out. It’s also 
wise to avoid drinking alcohol and steer clear of other smokers while you’re trying to quit. Both can 
trigger powerful urges to smoke. 

For more tips on how to quit, including managing your cravings, withdrawal symptoms and what to 
do if you relapse, visit There are also a variety of helpful quit smoking apps 
you can download like and

Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit Jim 
Miller is a contributor to the NBC Today show and author of “The Savvy Senior” book. 


HAPPY BIRTHDAY! …August Birthdays*

Nancy Beckham, Karlene Englert, Juanita Fernandez, Jeanette Francis, Joseph 
Kiss, Jacquie Pergola, Pat Miranda, Jerry Burnett, Margaret Aroyan, Phyllis 
Burg, Beverly Clifton, Rosemary Morabito, Susan Poulsen, Joy Barry, Marcia 
Bent, Joan Spears, Ruth Torres, Jane Zamanzadeh. Helen Stapenhorst, Chandy 
Shair,Heidi Hartman, Erma Gutierrez, 

 * To add your name to this distinguished list, please call the paper at 
626.355.2737. YEAR of birth not required


The City of Sierra Madre is following these procedures to provide current communication in light of 
COVID-19 and keep the Senior Community and families informed of essential information and resources. 
City staff are monitoring email communication daily, and although employees are minimizing 
direct engagement and practicing social distancing in the community, please note that voice messages, 
emails, and social media responses are being addressed in the most efficient and timely manner.

If at any moment additional information is needed, please contact City Hall Administrative Services at 
(626) 355-7135, Monday-Thursday from 7:30a – 5:30p, as they are taking messages and e-mailing the 
appropriate person.

For messages that may trickle in otherwise, please note our team is remotely checking voicemail daily at 
the Community Services Department, (626) 355-5278 x702.

Community Services Department will continue email communication with Senior residents and aging 
community members.

If you know of family members or neighbors who may benefit from accessing information electronically, 
and to receive the department’s Seniors Newsletter via email but may not otherwise have been included 
on an email group list, please send your request with email address to the following team members:

Lawren Heinz and Clarissa Lowe

Community Services Department will continue Electronic Seniors Newsletter on a weekly-basis 

Community Services Department will continue with mail drop-off of newsletters at the Sierra Madre 
U.S. Post Office Box (unless otherwise advised).

City Social Media will continue via Facebook as well as Instagram, and information sharing will include 
updates as details becomes available.

Mater Dolorosa - Sierra Madre Meal Pick-Up Program provides seal-packaged frozen meals, 5-per 
person every Thursday, 12:00 – 1:00 p.m. at Hart Park House Senior Center 222 W. Sierra Madre Blvd. 
Donations are accepted. Call (626) 355-5278; x702 or 704.

YWCA Intervale Meal Program - Effective Wednesday, April 1, 2020

YWCA has transitioned their distribution of take home meals at the Sierra Madre Hart Park House Senior 
Center to a home-delivery meal program. Participants previously reserved for meal pick-up as of 
Wednesday, 3/25/20 were informed that they would begin to have their meals delivered to their homes, 
beginning Wednesday, April 1, 2020 until further notice.

For any additional participants calling in that are at a high risk and need meals delivered to, please 
provide us their name, date of birth (they must be 60+), address and phone number and Community 
Services Department will for-ward this information to our County Contact.

Food Banks Support: Seniors & Families:

If someone is outside of our local area and in need of a food bank, they can find one nearest them by 
going to and typing in their zip code; or call from the list here:

First Church of the Nazarene-Pasadena 3700 E. Sierra Madre Blvd. 626-351-9631

Wednesday 10:30 am-12 pm 

Pasadena Senior Center 85 E. Holly St. Pasadena 626-685-6732

Foothill Unity Center 415 W. Chestnut Ave. Monrovia 626-358-3486 Monday 1 pm-3:30 pm, 
Wednesday & Friday 9 am-11:30 am

Lifeline Community Services & Economic Development 2556 N. Lake Ave Altadena

626-797-3585 2nd and 4th Wednesday 12 pm-2 pm & 8:15 pm-9 pm

Morning Star Outreach Ministry 1416 N. Mentor Ave Pasadena 626-794-4875

2nd & 4th Saturday 11 am-1



A Weekly Religion Column by Rev. James Snyder



Last week, I 
discussed some 
of the pros and 
cons of using 
Here, we’ll look 
at different estate 
planning vehicles 
that could 
provide similar—
or even better—protection than prenups.

Revocable living trust created by you: By setting up 
a revocable living trust and funding it with your 
separate assets before getting married, those assets 
would likely be considered non-marital property and 
not subject to division by the court upon divorce—
as long as you never commingle any of those assets 
with your spouse after your marriage. To ensure your 
separate property assets stay separate, it’s vital that 
you create and fund the trust with your assets before 
the marriage and never add any assets acquired or 
created during the marriage. 

If you commingle assets acquired during the 
marriage in a trust containing your separate non-
marital assets, a court could declare all of those 
assets as marital property subject to claim as part of 
a divorce settlement. To this end, a revocable trust 
only protects your separate assets from divorce 
if they remain separate from marital property 
throughout the whole length of your marriage. 

 You can also use a revocable living trust to provide 
for your surviving spouse and children from a 
previous marriage in the event of your death or 
incapacity. Unlike a will, assets held by a trust are 
not subject to the court process known as probate, 
so those assets would be immediately available to 
your spouse and kids, sparing your family the time, 
expense, and potential conflict of probate.

 Note that since a revocable trust is “revocable” by 
definition, there is no asset protection for assets in 
your revocable trust, meaning that a revocable living 
trust will not protect your assets from creditors during 
your lifetime. If you want to achieve protection from 
both a future divorce and future creditors, you may 
want to consider one of the irrevocable trusts below. 
Irrevocable trust created by your family: You can 
protect your assets from divorce by having your parents 
(or another loved one) establish an irrevocable trust 
for you before your marriage. Then, the Investment 
Trustee of the irrevocable trust (who could be you) 
could purchase all of your existing assets in an 
arms-length transaction and manage those assets 
inside of the trust, where they are totally protected 
from a future divorce and any future creditors.
Note that this strategy does require special 
provisions to ensure you cannot make distributions 
to yourself from the trust without the approval 
of an “independent trustee.” This trustee could 
be a best friend or a professional trustee, but 
cannot be anyone related or subordinate to you.
Your parents or grandparents could also leave 
any future inheritance you are to receive to this 
irrevocable trust, ensuring that your inheritance 
would also be protected. If this irrevocable trust is 
properly established and the terms are well-drafted, 
all assets the trust owns—and any assets left to you 
in the future—will be fully protected from a future 
divorce, future creditors, and even from estate taxes 
and probate upon your death. Yes, I like these trusts 
a lot.

Irrevocable trust created by you: It’s also possible 
for you to establish an irrevocable trust for 
yourself and gift your assets into the trust to 
keep them safe from divorce. However, this 
strategy is not as airtight as having a parent 
or grandparents establish the trust for you. 
When you gift assets to an irrevocable trust, there’s 
a risk that a spouse or future creditor can claim 
fraudulent conveyance, depending on how soon you 
gift those assets after creating the trust. That said, if 
you are looking for asset protection and an alternative 
to a prenuptial agreement, and do not have a parent 
or grandparent available, a self-settled irrevocable 
trust can be a great second-best alternative.
Start your marriage off right

If you are getting ready to tie the knot and would 
like to ensure that assets you bring into the marriage 
don’t end up being lost in a future divorce settlement 
or are protected for your kids from a prior marriage, 
it is important to take action now. Once you are 
married, many planning options are off the table.

 And regardless of your concerns about divorce, you 
definitely need to create or update your estate plan 
to protect and provide for your soon-to-be-spouse 
and any children you have in the event of your death 
or incapacity. 

Dedicated to empowering 
your family, building your 
wealth and defining your 

A local attorney and father, Marc Garlett is on a mission 
to help parents protect what they love most. His office is 
located at 55 Auburn Avenue, Sierra Madre, CA 91024. 
Schedule an appointment to sit down and talk about 
ensuring a legacy of love and financial security for your

family by calling 626.355.4000 or visit www.CaliLaw.
com for more information.

Some people say we are living in 
the "new normal." I'm not sure exactly 
what they mean, and I don't 
have the time to ask, nor the desire.

If the "new normal" is what I have been experiencing in 
the parsonage for the last several months, I'm all for it. 
Let it continue. Everybody should be able to live their 
own normal.

Because of being limited, as far as traveling is concerned 
and going shopping or whatever, the Gracious 
Mistress of the Parsonage and I have spent a lot of time 
at home enjoying our time together.

I must say that my wife and I don't always see eye to 
eye. After all, I'm 6'3”, and she's only 5'2”. I'm tempted 
to say at times, but I value my life too much, that I have 
a "higher perspective" than my wife. But you didn't 
hear it for me.

We have spent almost half a century together, and 
we're coming out of it most amicably. Some people 
might say we were opposites in many regards. She's on 
the vegetable side of the table, and I'm on the fruit side.

There have been some little clashes concerning that. 
She’s a vegetable connoisseur and I, well, let’s say I’m 
a fruitoholic. The only veggie I really approve of is the 
Carrot Cake.

Apart from that, we have been able to carve out a wonderful 
life together. I didn't realize how much it was 
until all of this "lockdown" nonsense that we're in right 

When I go out, come home and walk into the house, I 
am overwhelmed by the aroma that is all through the 
house. The first time this happened, I had to stop and 
try to figure out what was happening. Then it became 
clear, the Gracious Mistress of the Parsonage had spent 
the whole day cooking or baking.

One day it is baking, and then the next day it is cooking 
and putting it all together, it is marvelous.

We haven’t eaten out in a restaurant for months, but 
rather have enjoyed home-cooked meals the whole 
time. I’m not sure if I should leave a tip!

I remember one day when I came into the house the 
aroma was one of my favorites. My wife had been baking 
cookies all day long, and the house was filled with 
that beautiful aroma.

On the table were cookies just out of the oven, and in 
the oven was a new batch of cookies. Those cookies 
on the table smelled so wonderful. Not only that, but 
they also looked delicious. I'm not sure what delicious 
looks like, but those cookies came very close to that 

I came and stood by the cookies and looked at them, 
and then I heard, "Don't you dare touch one of those 

Looking up, my wife was staring at me, knowing full 
well my intent to snatch a cookie. The problem with 
cookies on the table is when you take one, there is an 
empty space so you can't get away with it.

“But, my dear, they look and smell so wonderful. This 
must be the last batch of cookies you have ever made 
in your life.”

I’m trying to negotiate into getting at least one cookie. 
The problem is, nobody, especially me, can negotiate 
with the Gracious Mistress of the Parsonage.

I looked at her, looked back at the cookies, and then 
again at her with some of my most sorry-looking eyes 
I could manufacture. If I could have created a tear, I 
would've at that moment.

At that time, I knew I would have to wait to have a 
cookie, but it was just killing me to not only smelling 
them but seeing in the same room that I'm in. Such 
torture is inhuman.

I went into the living room and sat down to watch a 
little TV. In a few moments, my wife came in carrying 
one cookie and said, "You can have one cookie per 

Smiling at her, I accepted the cookie and indulged in 
gratifying my cookie-itis. And it was wonderful. My 
problem at the time was, it was only one, and it was 

I found out she was making these cookies for other 
people and members of the family. I tried to tell her 
that I was a member of the family, but she threw a grimace 
at me and continued baking the cookies.

How can anybody live on just one cookie per day?

Later on, I saw on the table plastic bags filled with 
cookies designated for some friend or family member. 
An idea crumbled in my head at that time. When my 
wife said, "one cookie per day," what did that actually 

Looking at all the bags of cookies on that table, I developed 
my own interpretation and assumed it meant one 
cookie per day per plastic bag. I hope she doesn't catch 
on to my plan, but I have enjoyed her cookies all day 
long. Remember, I only ate one at a time.

As I was enjoying my last cookie, a verse of scripture 
came to mind. "My little children, let us not love in 
word, neither in tongue; but in deed and in truth” (1 
John 3:18).

My words don't mean anything unless it is backed 
up by what I do. I think I need to confess my cookie 
snatching to my wife.

Mountain Views News 80 W Sierra Madre Blvd. No. 327 Sierra Madre, Ca. 91024 Office: 626.355.2737 Fax: 626.609.3285 Email: Website: