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Cloverdale Reveille
Cloverdale, California
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December 9, 2009     Cloverdale Reveille
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December 9, 2009
 

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Page 8 -- WEDNESDAY, DEC. 9, 2009 • CLOVERDALE REVEILLE * CLOVERDALE, CALIFORNIA, REVEILLE CROSSWORD PUZZLE: R.F.D. by Mike Marland Weekly SUDOKU by Linda Thistle • SERVICES i • 9 3 1 5 4 3 6 1 2 9 3 7 6 1 1 8 7 6 5 7 4 9 4 8 3 2 5 Clearwater Lodge 2 3 6 Place a number in the empty boxes in such a way that each row across, each column down and each small 9-box square contains all of the numbers from one to nine. (707)894-4615 DIFFICULTY THIS WEEK: * * * Moderate ** Challenging * * * HOO BOY! L, 2009 King Features SynO., Inc. Cloverdale Mini Storag( Senior News Line By Matilda Charles It's open enrollment time again. Have you reviewed your Medicare plan and made any wanted changes to your insurance or drug plans? You have a few more weeks to get this done before the deadline on Dec. 31, 2009. Even if you've been happy with your coverage this past year, it's still a good idea to review what you have because the costs could change. Did you receive your 2010 Annual Notice of Changes? Providers are required to send it to you once a year. The information includes what you can expect for co-pays and insurance next year, as well as the costs and any changes in coverage. It's also possible that your specific drug plan might not be offered next year. If that happens you'll be shunted off to another plan -- one you might not want. Reviewing your Medigap coverage (the policy that covers what the basic Medicare doesn't) could well be your most important step. By law, all Medicare Supplement Insurance (Medigap) policies must adhere to state and federal guide- lines, but the costs can vary. If you need help (especially in sorting out the 12 Medigap policies A thru L), you can reach the helpline at 1-800-MEDICARE (1-800-633-4227). Representatives will assist you with questions about Medicare Part A (hospitalization) and Part B (medical insurance), too. They'll be able to go over your health care choices with you, and answers questions about your rights and patient appeals and complaints. If you have a computer with access to the Internet (or can use the ones at the library), go to www.medicare.gov for links to a great deal of information. Right on the front screen you can find links to compare health and drug plans, find drug-plan coverage in your area, and learn ways to lower your drug costs. For Medigap information, click on Compare Health Plans. (c) 2009 King Features Synd., Inc. ACROSS 1 Vacationing 4 Told atale 8 React in pain 12 Romanian money 13 Between jobs 14 Competent 15 Stevenson's personifica tion of good 17 Leave at the altar 18 Whine 19 E.T.'s carrier? 21 Under the weather 22 "Sex for Dummies" writer 26 Eccentric 29 Attention getter 30 Vast expanse 31 Libertine's feeling 32 Foundation 33 Minus 34 Mound stat 35 Monkey suit 36 Circum- ference 37 Oprah adviser 39 Wambaugh or Wapner (Abbr.) 40 Moray, for one 41 Dermato- logist's case 45 Sail support -- 5-- 12 15 18 III 26 2, 31 34 37 llli00 45 41 50 53 48 "A Study in Scarlet" narrator [ m 10 11 I __ ____, II 24 25 m m II 43 44 m m opus memo 6 Blueprint 29 Whammy addition 32 Edition sold 50 Head light? 7 Tricked the night 51 -- and 8 Collegian's before terminer choice 33 "Hungaria" 52 Expert 9 Sapporo composer 53,Unimprovable sash 35 Dead heat place 10 The whole 36 Kid's racer 54 Money enchilada 38 Egret's 55 Longing 11 Bottom line cousin 16 Oust 39 "You Were DOWN 20 Saute Meant for 1 Automaker 23 Addict Me" singer Ransom 24 Criterion 42 Catch sight of Eli -- 25 Scrambled 43 Additional 2 Spore eggs side 44 Anytime now producer dish 45 That girl 3 Honshu 26 Coaster 46 Cushion mountain, 27 Kitten's 47 Ginger- 4 Probable sound 49 Reuben 5 Pastoral 28 Now, on a holder © 2009 King Features Synd.. Inc. ANSWERS ON NEXT PAGE Dollars & Sense By David Uffington Until now, users of ATM or debit cards could make purchases that basically cleared their accounts, and then some, and the bank would cover the overage temporarily -- for a fee. Some- times the overdraft was accidental, perhaps due to a mistake made in the checkbook. Other times it was a gas station that caused the problem: Use a debit card to buy gas at a pre-pay pump, and more often than not an amount much larger than the actual purchase would be put on "hold" for the balance of the day. Or maybe the consumer knew in advance that there wasn't enough money for a purchase. No matter the reason, if an overdraft was created, the bank charged fees that netted the banking industry many billions of dollars per year. If multiple transactions were made, multiple fees would be charged. It was the hefty overdraft fees -- often amounting to $30 or more per occurrence -- that consumers said were excessive, and the complaints stacked up at the Federal Reserve. Starting next summer, banks will have to ask permission of consumers to charge overdraft fees. Account owners will have to opt in to have overdraft protection, and banks will be limited to charging one overdraft fee per month or six per year. Unless consumers sign up for overdraft protec- tion (and pay the resulting fees,) the end results could be harsh. Instead of a bank covering any overages (and charging a fee for it), ATM and debit cards will be shut off once the withdrawal exceeds the amount in the account -- right in the middle of a transaction. Here are some suggestions: • Sign up for the overdraft protection in case of an emergency expense. If you don't have the money in the bank, that overdraft fee might be a welcome expense. • Balance your accounts every month and don't spend what you don't have. • Pay attention to the information leaflets that come in your statements. Expect fees for other services to go up and minimum balances on accounts to go higher. Banks are going to miss those billions of dollars and will need to make them up in others ways. (c) 2009 King Features Synd., Inc. Deep Cleaning • Carpet & Fabric Protection Area Rug Cleaning • Most furniture moved LAFF- A - DAY t "It isn't the bulls and the bears that are getting me down-it's the bum steers!" . I Moments in time: " The History Channel • On Dec 10, 1901, the first Nobel Prizes are awarded in Stockholm, Swe- den, on the fifth anniversary of the death of Alfred Nobel, the Swedish inventor of dynamite and other high explosives. Although Nobel offered no reason for his creation of the prizes, it is believed he did so out of moral regret over the increasingly lethal uses of his inventions in war. • On Dec. 12, 1917, in Omaha, Neb., Father Edward J. Flanagan, a 31-year- old Irish priest, opens the doors to a home for troubled and neglected children. Today "Boys and Girls Town" includes a grade school, a high school and a career vocational center on a farm 10 mileswest of Omaha • On Dec. 7, 1925, future Tarzan actor Johnny Weissmuller sets the world record for the 150-yard freestyle swim. Already a gold medalist from the 1924 Olympics, Weissmuller competed again in 1928, taking five gold medals in all. In 1931, MGM cast Weissmuller to play the title role in i "Tarzan the Ape Man." * • On Dec. 11, 1946, in the aftermath of World War II, the United Nations votes to establish the United Nations International Children's Emergency Fund (UNICEF), an organization to help provide relief and support to children living in countries devastated by the war. o • On Dec. 13, 1950, an unknown actor flamed James Dean appears in a Pepsi commercial. Dean would later personify the angry, restless youth ,." culture in the film "Rebel Without a Cause" (1955). He died in a car crash in 1955 at age 24. . • On Dec. 8, 1987, at a summit meeting in Washington, D.C., President ,.. Ronald Reagan and Soviet leader Mikhail Gorbachev sign the first treaty i' between the two superpowers to reduce their massive nuclear arsenals.  Previous agreements had merely been attempts by the two Cold War adversaries to limit the growth of their nuclear arsenals.  " On Dec. 9, 1992, British Prime Minister John Major announces the formal ;, separation of Charles, Prince of Wales and heir to the British throne, and ' his wife, Princess Diana. The report came after several years of specula- tion by the tabloid press that the marriage was in peril. (c) 2009 King Features Synd., Inc. NO OTH LOVE COUU SOIET .a;)OT TH KJNOOF "AN AkW LOVE ANY thAN HAS HAD FOR A .ix,. WOULO ROtEO STLL\\; _=WOULO ,VCRK ANTONV - i"[ DIRECTORY TO House Plans "When Quality & Reliability Matter" ..... ..... 894-4564 www.rickjonesdrywall.com i Cloverdale's own retirement home for seniors at 611 Cherry Creek Rd. Filma Walton, Administrator #496800262 Senior Citizen  24 Hour Discount . emergency } • 1 Service 00oun00ysiae 00Pl.mbing PROFESSIONAL SERVICES ALL YOUR RESIDENTIAL PLUMBING NEEDSI Thomas Brunelle (707) 894-2482 LIC # 743148 • FAX (707) 894-4274 • Pager 325-7422 BOB ANDERSEN (707) 894-2755 ePetin Cont ac' Septic Systems • Dump Trucks • Water Trucks Backhoe • Loader ° Dozer ° Grader PO Box 221, CLOVERDALE, CA 95425 Gen Eng License 340786 PUC-CAL-T 154-265 33 Industrial Drive, Cloverdale www cloverdaleministorage com • No Administrative Fees • Spaces Available • No Deposits ° On Site Manager • 24 Hour Accessibility ° Moving Supplies Northern Carpet Care Call 707 857-3237 For A Free Estimate/ Commercial rates available i, l I I liii!!iil ii: We Have Everything For Your Building Needs... "Serving the Homeowner anaC the Contractor Since z946" 31210 McCray Rd • Cloverdale, CA 95425 • 894-2989 RadioShack Proud Supporter of the Cloverdale Unified School District Inkjet Cartridges * Computer Repair Networking Equipment & Supplies Mon. - Fri. 10 a.m. to 6 p.m. and Sat. 10 a.m to 5 p.m 1117C S. Cloverdale Blvd, - 894-59/2 Miky Olszewski with A 9PECIAL $5 off Ohemioal £erviee $3 off Haircuts 707-894-0600 * 109 E. First St. Walk-ins Welcome! iiiiTiiiiiiiiieiiiiiirovNiNiiiiiiiii iiiiiiTiiiiiiiiiiiiiiiiiiiiiii#eTiiiiiii$iiiiiiiiiiiiiiiiiiii!iiiiii 71il;iiTii771iiiiiiiiiii6iiiTiiiiiiiiTiiil iii iiiiiiiiiiiiiii00iiiiiiiiii00iiii00000000i000000i!iii0000iiiiiiiiiii!iii!iiiiiiiiiiiiiiiiiiii i7i77iiiii777iii7i7iii!77777i7{{]]iiiiii]77iiiiiiiii7i7;77iii7i7ii7i777[7i7iii}i77i7iii73 Answer 9387164:25 274593861 11 5 6 2 8 4 9 7 3 729645138 4 13 9i2 8 6 5 7 865371249 619 1 4 5 7 3 8 2 387182594 542839716