From Tongs to Talking Computers

Kitchen tongs/Reacher Tool

One of the things I love about teaching is I get to learn so much.  Sometimes I learn while researching and preparing for a class.  Sometimes I learn because of the individual and collective wisdom of the students in the class.  Last year, while teaching a class on assistive devices, one of the participants was willing to share her ingenious solutions to a diminished range of motion she was experiencing.  The assistive devices class is all about different items that make life easier based on changing abilities.  This great student was also a vibrant educator.  She talked about common household items she was using to make her life easier.  Because of her limited range of reach, she kept a pair of long kitchen tongs tucked between the console and passenger seat of her car. If something dropped in the car, she’d use the tongs to retrieve it.  Which reminds me to mention that for people with limited range, there are attachments that can be placed on seat belts making them easier to reach to pull down.  Many of us wouldn’t think that this seemingly simple task could be much a problem, but I remember my Grandma Bernece couldn’t reach to buckle herself into the car safely following a shoulder injury.  A little, inexpensive device could end up being a life-saver. 

Car handle aid

I also think of the car standing aid and handle, which is a very sturdy-built item that temporarily locks onto door latch.  Grandma Bernece’s bout with polio as a toddler left her with one leg shorter than the other.  She struggled with mobility most of her life, but in her later years, that weak leg made getting into and out of a car more of a challenge.  I wish we had known about the standing aid that would have given her one more place for sturdy grip

Lotion Applier

as she got in and out of the vehicle.  Sometimes the simplest solutions are the best. 

Last week, I was grateful the enthusiast student from the class who also shared that she used a long-handled kitchen spatula to apply lotion to her back.  As I was home alone several days last week, coughing and coughing, I wanted vapor rub applied to my back.  There were just a few spots I couldn’t reach, so I went to the kitchen and got a rubber scraper that had seen it’s better days for kitchen use, and dipped it into my vapor balm and within a few minutes was sleeping peacefully, letting the vapor do its thing.  Hooray for a student who shared a great idea!

Talking Calculator

Most assistive devices, it seems, are born from necessity.  They can be something as simple as an adapted kitchen utensil to as elaborate as a talking computer.  For those who need them, they can bring independence and relief.  Many devices can be tried for free, on loan from MonTech or through contacting LowVision Montana at 1-800-601-5004 or Great Falls Blind and Low Vision Services Team at 1 (888) 279-7527.  Or, you can contact your local MSU Extension Office because it is amazing what we have learned over the years through the classes and students we teach.  

The Bendable Straw and more!

Last week, I unexpectedly spent the night in the hospital with a family member who had surgery.  Generally, I keep an extra pair of contacts in my purse or work bag, but on this surprise slumber party, I found I was without both contacts and glasses.  I had just recently mentioned how much I rely on my contacts as an assistive item for my changing vision.  As I prepared for bed, I decided to throw away my daily disposable contacts, thereby giving me a chance to see (or in this case, not see) what is was like to function with my uncorrected vision.  Guess what? When I cannot see, I cannot hear, either!  The poor nurses and doctors who came in, had to stand within a few feet of me, so I could see and hear them.  I bet they were wishing I’d had both my glasses and my mouthwash with me. 

Book with many ideas for adaptations.

While we spent some time in the hospital, I was reminded of one of my favorite assistive products from my youth – the bendable straw.  My Grandma Inez struggled with mobility due to very debilitating arthritis.  When I was a young girl, I’d help out by dispensing her medication.  The bendable straw was so important for Grandma.  It certainly helped keep her from taking an accidental shower every time she needed to swallow a pill. 

There are so many adaptive devices out there, as simple as a bendable straw or as complicated as motion detectors for remote caregivers, monitoring daily activities such as eating and movement.  Many adaptive devices can be fashioned with common items – good old duct tape and baling twine – to make life easier.  I read the book, Double Take, by Kevin Connolly from Helena who was born without legs.  His dad MacGyvered all kinds of adaptive devices for him, including a skateboard, which the author used to get around.  At our office, we have a bookfull of assistive devices that can be made from common objects and used for a wide range of adaptations. 

A few key chapters in the book review switch making and modifications and building spring loaded switches, fasteners and custom grips.  The modifications given have great instructions and colorful pictures.  Some range from simple – adding a self-adhesive rubber bumper to on/off switches on items like electronic toothbrushes for those with dexterity challenges to adaptations for farmers with spinal cord injuries.  The ideas and adaptations that can mostly be created at home are fascinating. 

Sock Puller

I think many of the devices we have today were a result of somebody figuring out how to mass market a good idea.  For instance, a sock puller is a tool that can be used for people with limited flexibility, range or motion.  To use the device, socks are slide onto a cylindrical device and then, using rope handles, the foot is slid into the cylinder and subsequently the sock.  Another device available is a weighted spoon.  For people with tremors in their hands (perhaps from Parkinson’s or other diseases), the weighted spoon can change a person’s ability to feed themselves.  The weight somehow changes messages in the body and brain to reduce tremors.  Imagine if you had lost your ability to feed yourself and suddenly got it back because of something so simple.

To see the many other assistive devices available, stop by the Extension Office.  Just remember to call first, to make sure I have my contacts in, otherwise I might not be able to hear you. 

What Devices Help You?

During a state-wide Extension training that our office coordinated and hosted, I commented to the group how much I rely on certain features on my cell phone.  Whenever we took a break, I simply set the timer on my phone and when the alarm sounded, we knew it was time to reconvene.  My phone is only one of many devices I rely on daily to make my life easier.  The same day as our conference, I was scheduled to present a portion of a webinar on “aging in place” and “assistive devices” and it left me thinking about all the devices available to us to make life easier. 

For many of us, the devices help us compensate for a changing ability.  I believe my most important assistive device I use daily are my contacts or glasses.  Sometimes I think about the pioneers who might not have had access to proper eye exams and equipment.  I can only imagine how my uncorrected eye-sight might have directly related to my survival ability.  It is safe to say that any wild game more than three feet away would have been safe from becoming part of my meal!  I’d have had a solely plant-based diet, because at least I could get close enough to see the garden. 

                                                                                                                                                  

In 2012, MonTech and the University ofMontana Rural Institute Center for Excellence in Disability Education, Researchand Service teamed up with MSU Extension to share the message about assistive devices for a variety of abilities and changing capacities.  I thought, over the next few weeks, I’d highlight a few devices that may be of use to you or someone you know.

One of the pretty cool devices is called a PenFriend.  This device is similar in size to a small flashlight.  The pen comes with several stickers.  Following the simple instructions, the pen and stickers can be programmed to “talk” to each other and the user.  For instance, for a person with low-vision, the stickers can be placed on prescription bottles and programmed.  When the user hovers the pen over the sticker, the pen talks.  I programmed one sticker to have information on a type of medication and dosage/time instructions.  It took about 20 seconds.  After seeing the pen demonstrated, a friend bought the pen for her mother who deals with low-vision.  She programmed the stickers around her mother’s house.  Her vision limits her ability to see words on dials and controls of household equipment, but with the pen friend she can “hear” the settings on her dishwasher, washing machine and dryer, and oven range.  Watch a video demonstration.

There are a huge variety of devices available for people with varying levels of vision, but also for a wide variety of needs.  From talking clocks to sock-pullers, there are a variety of devices to assist people with a variety of needs.  For more details, please contact the MSU Extension Office in Teton County.  

If You Think You'll Live Longer or Shorter, Plan for It!

It is often said that women outlive men.  As a woman, that has always made me kind of happy.  I like my life quite a bit, so to have more of it seems like a good thing.  I think that is too bad for men that they will die sooner.  It wasn’t so long ago that a financial educator pointed out the downside to this fact.  If women live longer, they will need more money.  About the same time that this was pointed out, another professional put it very bluntly, “If you are a married woman, you should plan to be a widow.”  Well, that sure puts a different spin on it, doesn’t it?  Turns out that in addition to liking my life, I also like my husband.  Most days, I like the thought of him being around as we get older.  Just the same, the odds apparently aren’t in favor of that happening. 

As unpleasant as it is to consider our own mortality or that of those we love, it is sure to be part of some future reality.   If you look at the odds and you feel you are likely to outlive those you love, it makes sense to plan for that eventuality.  If you feel the odds are you’ll depart first, it makes sense to plan for your loved ones to be cared for when you are gone.  Do you see where I’m headed?  Either way, planning is important! 

We have an opportunity for you to learn more about planning for your financial future.  Marsha Goetting, MSU Family Economics Specialist, will be in Teton County on Monday, March 9 presenting classes and taking appointments at the Stage Stop Inn.  She’ll present, “Transferring Your Farm or Ranch to the Next Generation” from noon-1:30 p.m. An evening program, “Think You Know Who Receives Your Property When You Pass Away?  Think Again …” will be presented from 6:30-8:30 p.m.  Register for the free classes by contacting MSU Extension in Teton County at 466-2491.  Each session will be different and filled with information useful to families regardless of their ages or financial circumstances.

In addition to the two classes, Goetting will be taking appointments with families or individuals to discuss financial and estate planning.  Each appointment will be 30 minutes in length and filled on a first-registered basis.  Goetting’s primary goal with these sessions is educate people about options to consider and resources available.  No legal advice will be given.  The sessions are also provided free of charge.  There are five sessions still available. 

Some people may feel intimidated by the word “estate” because it sounds rather distinguished and well-to-do. I remember a time when the entirety of my estate would have included exactly two ugly couches. In reality, though, many of us have estate and financial planning considerations, whether we realize it or not.  For instance, do you have a life insurance policy?  If not, is it time to think of one?  How are the beneficiaries designated?  Do you have any bank accounts?  If so, how are they titled?  Do you have minor children?  Who will make decisions on their behalf if something happens to you?  Do you have a conservator or guardian designated in a will?  What about your vehicles or home?  How are they titled?  Do you have long-term care insurance, so that an unforeseen condition doesn’t place undue financial hardship on your family? 

Planning for the financial future may be just as important, if not more so, for those who have less capacity to withstand a hardship as it is for those with large, stately estates.  For people with the resources to do so, charitable giving might be among your considerations.  I often think of the difference the Boe brothers have made to so many individuals and organizations in Teton County with the gifts they planned for with their estate.   I encourage you to register to attend the MSU Extension classes with Goetting, so that you can make sure your resources outlive you and not the other way around.  You may also visit the MSU Extension financial management website, or call your local office, to obtain any of the 75 free resources Goetting has created for Montanans.

Free Estate Planning Classes in the Golden Triangle!

Estate Planning Classes

in the Golden Triangle Area

Marsha A. Goetting, Ph.D., CFP, CFCS

Extension Family Economics Specialist

P.O. Box 172800
Bozeman, MT 59717-2800
phone: (406) 994-5695 fax: (406) 994-4838
E-mail: goetting@montana.edu 

Marsha A. Goetting is a Professor and Extension Family Economics Specialist at Montana State University in Bozeman.

She has presented over 800 workshops reaching over 25,000 Montanans with financial and estate planning information. She has also authored over 75 MontGuides and bulletins and has received national, regional, and state awards for her financial management and estate planning programs.

An Extension Directory can be found here.

March 9, 2015 - Teton County 

Transferring Your Farm or Ranch to the Next Generation

·         Stage Stop Inn

1005 Main Ave N

Choteau, MT 59422

·         Noon-1:30 p.m.

·         Free – Register by contacting MSU Extension in Teton County 466-2491 or click here to email to register!

Individual or Family Financial Consultations (30 minutes each)

·         Stage Stop Inn

·         2:00-2:30 p.m., 2:30-3:00 p.m., 3:00-3:30 p.m., 3:30-4:00 p.m., 4:00-4:30 p.m., 4:30-5:00 p.m.

Estate Planning

Think You Know Who Receives Your Property When You Pass Away?  Think Again …

·         Stage Stop Inn

1005 Main Ave N

Choteau, MT 59422

·         6:30 p.m.-8:30 p.m.

·         Free – Register by contacting MSU Extension in Teton County 466-2491

March 10, 2015 – Choteau

Individual or Family Financial Consultations (30 minutes each)

·         Stage Stop Inn

·         8:00-8:30 a.m., 8:30-9:00 a.m., 9:00-9:30 a.m., 9:30-10:00 a.m., 10:00-10:30 a.m.

March 10, 2015 - Toole County

Estate Planning

·         Sunburst Library

Sunburst, MT

·         1:30—3:30 p.m.

·         Comfort Inn of Shelby

455 McKinley

Shelby, MT

·         6:30 p.m.

March 11, 2015 - Liberty County

Estate Planning

Steps everyone can take to simplify estate planning and gift giving

·         Sweetgrass Lodge

511 1^st St. W.

Chester, MT 59522

·         6:00 p.m.

March 12, 2015 – Blackfeet 

Estate Planning

Why everyone needs a will..what happens if you don’t have one”

·         Blackfeet Tribal Conference Room

Browning, MT 59417

·         1:00-3:00 p.m.

·         Contact the Blackfeet Extension Office for more information at 338-2650

March 12, 2015 – Glacier County

Estate Planning

·         Glacier County Courthouse Annex

Cut Bank, MT  59427

·         6:30 to 8:30 p.m.

·         Free—Please pre-register for material at 873-2239 or click here to register via email

March 13, 2015 – Blaine County

Estate Planning

·         Montana Seed Show

Harlem High School

Harlem, MT

·         10:00 a.m. - Noon

* Marsha Goetting will also be presenting on Credit Card Smarts to the 6^th graders at the Chinook Meadowlark Elementary that afternoon.

Transferring Your Farm or Ranch to the Next Generation

I follow a blog written by Katie Bangs, and while I’ve never met her, I feel like I know her.  I know her husband, as I used to be his babysitter.  Katie and her husband, Jeff, are back helping run the family farm in the north Joplin country where I was raised. I very much enjoy her blog, Prairie Ponderings:  The Fullness of an Open Land, as the blog is rich with agriculture and pictures of a landscape I love. 

Her recent post on her designated “Thankful Thursday” was about gratitude in the workplace.  Here is an excerpt:

“On a farm, our coworkers are often our family. Sometimes being around family 100% of the time is more difficult than being around coworkers who aren't related to us. Why? It is so easy to take for granted that our family members know that we love and appreciate them for who they are, let alone the hard work they may be putting in on the farm. We forget to actually verbalize our appreciation and thanks for family members’ contributions because they already know we love them, right? … Recently, Jeff and I were invited by his parents to attend their annual meeting with their accountant and their lawyer. We were asked to attend because we are continuing the ongoing discussion of transition. What will the future look like as the parents transition away from farming full time and Jeff and I take over? There are a lot of financial and legal considerations to ensuring the transition process runs smoothly.

We all spent quite a bit of time discussing options and weighing pros and cons, both legal and financial. I'll readily admit that some of the jargon was over my head, but what really struck me was the overall atmosphere of the meeting was one of mutual respect and gratitude for one another. I felt lucky to be in a family where it is possible to sit down at a table as four people involved in a family land transition, with everyone feeling like their voice could be heard. No arguments occurred, and everything really went very smoothly. This is not always the case in family farm transition talks. Even the lawyer and accountant admitted by the time our meeting was over that the whole thing went very smoothly and they had both been in meetings like this that had gone much, much worse.”

Katie’s post had me thinking about all the complexities of transferring a farm or ranch to the next generation.  She is definitely right that not all families handle matters calmly and thoughtfully.  For some, different family dynamics and structures add to the complexity of transferring an ag operation, especially when more than one adult child wants to be part of the family business.  Dividing a farm or ranch in a way that seems equitable is certainly not as easy as dividing savings accounts or life insurance proceeds.

There are also the complications of control and decision-making.  It can be a unique challenge to have your mom and dad be the bosses in your workplace, especially if you’ve worked the place every day for the last several decades.  In addition to the relational considerations of the day-to-day operations of a family farm, there are the legal and tax consequences related to a potential transfer.  Add to the mix generational differences, throw in some family baggage and you have potential for a family implosion.  Unfortunately, many people expect so much unpleasantness that they avoid the subject all together, which seems like poor business planning.  Most businesses are constantly looking to their future and planning for the sustained success of a business.

Whether you anticipate a smooth or bumpy transition on your farm or ranch, it is definitely worthwhile to spend a bit of time learning, planning and communicating about an eventual transfer.  To help you get started, we are pleased to have Dr. Marsha Goetting, MSU Family Economics Specialist, in Teton County on Monday, March 9 presenting classes and taking appointments at the Stage Stop Inn.  She’ll present, “Transferring YourFarm or Ranch to the Next Generation” from noon-1:30 p.m. An evening program, “Think You Know Who Receives Your Property When You Pass Away?  Think Again …” will be presented from 6:30-8:30 p.m.  Register for the free classes by contacting MSU Extension in Teton County at 466-2491.  Each session will be different and filled with information useful to families regardless of their ages or financial circumstances.

In addition to the two classes, Goetting will be taking appointments with families or individuals to discuss financial and estate planning.  Goetting has a wide breadth of knowledge in many areas of financial planning, from basic budgeting to charitable distribution of multi-million dollar estates.  Each appointment will be 30 minutes in length, filled on a first-registered basis.  Goetting’s primary goal with these sessions is to learn about people’s situations and educate them about options and resources.  No legal advice will be given.  The sessions are also provided free of charge.  Six one half hour sessions are available on Monday, March 9, staring at 2 p.m.   An additional five sessions are available Tuesday, March 10 starting at 8 a.m.

For all the dedication most farmers and ranchers have to growing and maintaining their operations, it just makes sense to invest some time in planning for the future – not only of the farm, but of the families who live there.  It also couldn’t hurt to follow Katie’s advice and let the people you work with know that you appreciate them – from the person on night shift calving, to the person who makes sure there is grub for the crew to the one fueling the tractor for seeding.  Sowing little expressions of gratitude can reap a bountiful harvest. 

Will You Be My Friend Forever?

Since we’ve been talking about Valentine’s, I’ve been thinking about mine.  I remember when my husband proposed to me.  In his typical fashion, it was meticulously planned, exceptionally romantic and highly rehearsed.  I wonder how many of you believe me.  Actually, it went like this:  He was about to go meet some of his buddies, but had stopped by my house.  He kept playing with something in his pocket.  I noticed the fidgeting and said, “What are you doing?”  He pulled out a ring box and shoved it toward me, and then said he was late and had to leave.  Still makes me smile, and laugh.  I was a little shocked, so when we talked about it later, he said the sweetest thing to me.  “I just want you to be my friend forever.”  I’m glad I married him, but I realize not all friends get married.

Some couples choose to forego marriage for their own reasons, but may be a couple for years.  Often we think of these people as “common law” spouses.  However, “common law marriage” has special considerations with estate planning, which is why Marsha Goetting, MSU Extension Family Economic Specialist has just released the new MontGuide, MontanaCommon Law Marriage and Estate Planning.   A common law marriage is one formed without a license and solemnization by clergy, judge or public official with powers to perform marriages.

Often, we hear that people are common law married if they have lived together a certain number of years, but that is not true.  Most of the time, a person wouldn’t have to prove whether they were common law married or not, but when settling an estate they may have to “prove” they are indeed the “spouse” to receive certain benefits or property.  The first point of proof is that both people were competent to enter a marriage.  Of course, some limitations and exclusions apply, such as not being related to each other and not being married to someone else.  The situation must be mutual.  The two people must express their intent to be married to each other (whether any form or ceremony existed or there are any witnesses).  The Affidavit of Common Law Marriage form found on the Montana State Law Library website.  Also, if they want to declare themselves married, they can file a Declaration of Marriage without Solemnization to officially record the marriage.  In Teton County, the Clerk of Court has samples of the declaration and the filing fee is $53.  (Quite a bit less than a wedding!)

he mutual consent can also be implied by the conduct of the two people.  The last way to confirm a common law marriage is by cohabitation and public repute.  While living together is one element considered by the courts, it is not the determining factor.  There is a list of ways that courts determine whether a couple has represented themselves publicly as married.  Just a few ways include completing forms or documents with a signature line for “spouse,” filing joint taxes or exchanging rings.  If a couple wants to document a common law marriage, they can do so by completing an

You might wonder why verifying a common law marriage matters.  In cases of settling an estate, it can matter a great deal.  We will consider just one example provided in the MontGuide:  John and Mary had lived together for 15 years.  When John died, he had a $2 million ranch.  Let’s say John had the land titled in his name only.  He wrote a will leaving the ranch to his children.  In Montana, a person cannot completely disinherit a spouse.  If Mary proves a common law marriage, she could be entitled to up to half of John’s estate. 

Couples who decide to live together need to understand the ramifications of their decisions.  If they don’t want to be considered married, they should be careful not to represent themselves in such a way that could be legally considered as married.  There are legal implications with how estates are settled involving marriages.  Common law marriages have estate consequences for the couple and any family members. 

As with all situations, people should review their estate planning goals and make sure their contractual arrangements and wills match with their intentions.  As one way to review, you  may want to attend one of several of Goetting’s classes around the Golden Triangle area starting March 9 in Teton County.  Watch for details next week on topics and locations.  When it comes to estates and finances, it seems to me that things tend to work out best when they are planned and well thought out.  Although, every once in a while something less than meticulously planned will work, too.  But maybe you’d better ask my husband about that.