Connect with your grandchildrenoutdoors

������������ �������������

A lifefullfilled �

��

���

CHRISTINA MARFICEARGUS OBSERVER

ONTARIO

Howard Benson spends histime camping, travelingwith his wife, playing with

his grandkids and enjoying an ever-growing list of outdoor activities likegolf and pistol shooting. He’s makingthe most of his retirement, but that was-

n’t always his plan. A heart attackand triple-bypass surgery were

his wake-up call, he said.“Having a heart at-

tack kind of givesyou the in-

centive

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2Benson’s figuring out

what life’s all about ......................................................2-3

We don’t need to

see you in September ......................................................4

Benda is dedicated

to serving others ...........................................................5-6

A life fulfilled.....................................................................7

Connect with your

grandchildren outdoors .............................................8-9

Retirement plan tips

for conservative savers .............................................9-10

Retirement opens

a whole new world.........................................................11

Inside:Benson’s figuring

out what life’sall about

to do things you may have put off,” hesaid. “I never took the time while Iwas working. Or I didn’t make thetime, I guess.”

But it stands to reason that time wassomething Benson never had much of.As CEO of Malheur Federal CreditUnion for 28 years, to say his work lifedemanded long hours is an understate-ment, he said. When Benson moved toOntario in 1983 to head the financialinstitution, it had only one branch and$5 million in assets. Now, there are fivebranches and the company currentlyhas more than $80 million in assets.

“At the time I started, I did it be-cause it was the job that was avail-able,” Benson said. “But when Istarted, I liked it and I wanted tocontinue. It was all about the peo-ple. We are a member-owned coop-erative financial institution. We havea lot of chances to help people.”

But despite his love for the job,Benson is enjoying his retirement evenmore than he enjoyed his work. Retiredsince January 2012, he says of his newlifestyle, “It’s great and I highly recom-mend it.” Being retired has allowedBenson to spend far more time with hiswife of 39 years, his two sons and hisfive grandchildren, three of whom livein Ontario. He went on an Alaskan

cruisewith his wife, travels with her to seeNascar races, goes golfing and bought atravel trailer. It has enough room, hesaid, for himself, his wife and only onegrandchild.

“They get along better when we onlytake one at a time,” he joked.

Benson’s grandchildren are 4, 6, 7, 10and 15. Four are girls; the 10-year-old isthe only boy.

“Of course they’re the greatest kids in

theworld,” Benson said, describing theirsports, plays and school activities.Their grandchildren’s parents arebusy, so Benson and his wife oftenbabysit or shuttle kids to appoint-ments, practices and rehearsals.Time with the kids is a gift thatBenson tries not to take for granted.

“I don’t think it’s a burden at all tohelp out,” he said. “We’re very fortu-nate to be able to.”

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PHOTO COURTESY OF HOWARD BENSON

Howard Benson andfamily during a recentget-together, fromleft, back row:Howard, son Clint,daughter-in-law Tina,daughter-in-law Katjaand son Tom; frontrow: grandchildrenLeah, Halie, Oona,Kiira and Caleb andBenson’s wife, Patty.

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Summertime is over, and it’stime to face the fall.Hopefully, your family has

enjoyed a nice vacation and you’vehad your share of fun in the sun.You may even reminisce about thepopular song, “See You inSeptember,” which was written bySid Wayne and Sherman Edwardsand made memorable by TheHappenings in 1966.

As children, teenagers, and youngadults return to school, now is agood time for you to take a look atthe books, too — whether thatmeans starting your retirementplanning, making sure your retire-ment plans are on track, or takingthe plunge and applying for SocialSecurity retirement benefits.

But just because you have SocialSecurity business and retirementmatters to tend to does not meanyou need to fight the traffic andtrudge into a busy government of-fice. We don’t need to see you (inperson) in September. That’s be-cause whether you’re working onyour retirement planning or readyto retire, you can do everything

from the comfort of your home oroffice computer at www.socialsecurity.gov.

If you’ve been to our website be-fore, you’ll notice that the newhomepage is even better. We’ve re-vised the homepage and made itclearer and easier to use. You’ll nowfind what you want, without theneed to read through a lot of links.

If you’re starting to think about aretirement that is in the far-off fu-ture, a good place to begin is withSocial Security’s Benefits Plannersat www.socialsecurity.gov/plan-ners. You can use the planners tohelp you understand your SocialSecurity protection as you planyour financial future. In fact, youcan learn about survivors and dis-ability benefits as well as retire-ment benefits. No matter how newyou may be to the working world,it’s never too early to begin plan-ning for a sound financial future.

For those of you with moreyears of work under your belt, geta more precise look at what yourbenefits will be with SocialSecurity’s Retirement Estimator

at www.socialsecurity.gov/esti-mator. The Estimator makes useof your reported wages from pastyears and projects your currentearnings into the future to giveyou an instant, personalized esti-mate of your future benefits. Youcan change the variables, such asdate of retirement and futureearnings estimates, to see whatyou can expect in different sce-narios.

If you’re ready to say goodbye tothe daily grind of working andyou’re ready to apply for SocialSecurity retirement benefits, it’sexciting to know that you can ap-ply from the comfort of your home

or office in as little as 15 minutes.Once you complete the online ap-plication for benefits, in most cas-es, that’s all there is to it. No pa-pers to sign or documents to pro-vide. Give it a try when you’reready to retire at www.socialsecu-rity.gov/applyonline.

You have better things to do inSeptember than to come see us.Whether you’re just beginningyour retirement plans, makingsure your long-term plans are ontrack, or you’re ready to retire, wedon’t need to see you inSeptember. Take advantage of ournew, easy-to-use website atwww.socialsecurity.gov.

See you in SeptemberWE DON’T NEED TO

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Emeritus at Meadowbrook also offers spacious, private apartments. Family-style dining for breakfast, lunch and dinner. Planned social activities. Complete housekeeping and maintenance services. And much more!

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Call Pamela Sternberg, Executive Director at 541-889-4600 today for more information on Emeritus at Meadowbrook

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WILLIAM LOPEZARGUS OBSERVER

WEISER

Veterans come in all shapes, sizes and ages,and time in service can vary from a cou-ple of months to several decades. For 67-

year-old Duane Benda of Weiser, he served as amember of the Navy Seabees for three years,during which he deployed to Vietnam twice, buthas been serving veterans for decades throughthe Veterans of Foreign Wars.

Seabees are members of the Navy’s construc-tion battalions and often deploy to war-torn na-tions for a variety of construction jobs rangingfrom road building to carpentry.

“Spent two tours over in Vietnampounding nails,” Benda said. “I wasjust a typical young kid, knowing Iwas going to go to Vietnam, so I justthrew my reins in and joined.”

Benda originally signed a four-year enlistment contract but was al-lowed to leave 13 months early dueto his accumulated time inVietnam, he said.

After the Navy, Benda, originally from Texas,moved to California where his family had al-ready set up roots and worked for a contractorbefore going into the contracting business forhimself and has been self-employed for over 40years, he said.

Itwas in California where Bendafirst joined the VFW in the hopes of getting toknow more people, possibly find contractingjobs and to work with the community.

“I used the VFW as sort of a vehicle to meetpeople and become involved in the community

Benda is dedicated toserving others

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and it worked,” Benda said. “And itstill works, too.”

Benda moved to Idaho in 1996where he continued his involve-ment with the VFW, he said. Fortwo years, Benda worked as theWeiser VFW post commander andlater became Payette’s VFW postcommander, a title he still holds.

While there is plenty of fun to behad with the VFW, the value of thework that he and other members dofor America’s veterans is essential,he said.

“I just recently found out that allvets who served overseas in combatmake up about one percent of theAmerican population,” he said.“That means we’re a very elitegroup and that makes it toughwhen we go before Congress, un-less we’re joined together.”

In addition to the VFW, Benda is

also a member of the Payette EaglesLodge and the Weiser Elks Lodge,he said. Staying busy is a key toBenda’s overall happiness.

“You get older, you get a lot oftime to volunteer and keep yourselfbusy,” Benda said. “Busy hands arehappy hands.”

Currently, Benda and the PayetteVFW are planning a fishing daywith several younger veterans, pri-marily focusing on veterans whoserved in Iraq or Afghanistan,sometime in the next month or so,he said.

“We want to encourage involve-ment with some of our local veter-ans and try to show the importanceof these organizations,” he said.

Benda has three children and 11grandchildren with another on theway, he said. When he’s not work-ing with the VFW or any of the oth-er organizations he volunteers for,he enjoys being outdoors or spend-ing time with his family.

“Now that I do have a lot of offtime, I go fishing, maybe a littlehunting and love playing with thegrandkids and then sending themhome,” Benda said.

WILLIAM LOPEZ | ARGUS OBSERVER

Payette VFW Post Commander Duene Benda, along with two officers, place theirhands over their hearts during a prayer before the August post meeting begins.

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LARRY MEYERARGUS OBSERVER

NYSSA

Celia (Smith) Behrmann, whowill turn 90 in October, livedmost of her early life in rural

areas of Colorado, and, with herhusband, Bryant Behrmann, re-turned to rural life in MalheurCounty, taking on cattle ranching, aranch she lived on until moving toNyssa Gardens.

Born in 1923, she lived south ofGrand Junction, where her par-ents grew vegetables and apples,and later moved with her family tosmall communities southeast andwest of Durango. Behrmann saidshe went to small schools, some-

times walking or riding horsebackone to three miles.

She graduated from high schoolin 1941 at Mancos, Colo., thenworked two summers at MesaVerde National Park, at the verysouthwestern corner of the state.

Behrmann went to businessschool in Denver for 1 1/2 years,but the school closed because ofthe war, she said.

She went to work for a while andthen attended another businessschool before taking another job inthe Denver area.

“I went to Portland and worked inthe shipyards on Swan Island,”Behrmann said. She then enlistedin the Navy, which took her to theopposite side of the country. Her

first stop was theBronx, N.Y., forboot camp, andthen toLakehurst, N.J.,for parachute rig-ging school.Behrmann wassent toPensacola, Fla.,and packedparachutes forthe duration ofthe war.

Behrmannsaid there wasa sayingamong theworkers that if a parachute didn’twork, the person could bring it backand be given another one. “We jokeabout that,” Behrmann said.

As it happened, BryantBehrmann, who had worked at aflour mill back in Colorado withCelia Behrmann’s father, was sta-tioned near Jacksonville, Fla., afterserving in the South Pacific.

Although around 400 milesapart, they were able to see eachother and were married on aSunday morning in 1944. Theywere together the next week tospend Christmas in Tallahassee.

Being discharged in 1945, theyheaded cross country for Oregonon a bus.

“We stood up until we got toTexas and were finally able to get aseat,” she said.

In New Mexico, Bryant got sickand was in the Veterans Hospitalin Albuquerque for three weeks.Celia went on to Colorado to staywith his family, until he was well.

They then went on to Oregon,where her parents had moved, andthey enrolled at then-Oregon StateCollege. However, she only man-aged to go one quarter before shebecame pregnant with the first of

their four sons.They lived on the college campus

until he graduated with a degree inagriculture. Over the next severalyears, the Behrmanns lived aroundthe West, where he taught schoolfor four years in Yamhill andworked for food processors, includ-ing Stokely Vancamp and GemCanning Company in Emmett.

Then Bryant decided he wantedto get into ranching and bought aranch on Rock Springs Road in1985.

“We raised cattle for 20 years,”she said. They started out with 10heifers and one bull purchasedfrom Oklahoma, plus 15 from theVale area.

“That gave us our start,” she said.They raised limousin cattle, build-ing their herd up to about 60, sell-ing out in 1999. Celia said shehelped with the cattle, but when itgot to be too much for her, she justworked around the house.

Bryant Behrmann died in 2003,and Celia lived on the ranch for an-other 10 years, although there wasanother owner.

She has 28 grandchildren and 30great-grandchildren.

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A life fulfilled

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- STATEPOINT

Do you have treasured child-hood memories of spendingtime outdoors with your

parents or grandparents? Take thetime to share this experience withyour own grandchildren. Pack alunch, put on some sunscreen andtake them on your own hiking orfishing adventure.

The time you spend outdoorswith kids is where some of theirbest memories will come from andcan be a great way to teach valuablelife lessons.

“Beyond fresh air and an expan-sive playground, the outdoors pro-vide an opportunity to pass key val-ues on from one generation to thenext, like sportsmanship, environ-mental stewardship and the impor-tance of friendship,” says MikeHolliday, a father of three and

world-class fishing guide fromStuart, Florida, who wrote the“FishingKids” series of books aimedat luring kids into outdoor adven-ture and family fun.

You can get prepared for your tripin advance:

• Read the FishingKids series to-gether. The stories revolve aroundtwo best friends, Spinner andBobber whose fishing adventuresteach them about friendship and re-sponsibility. When fun turns totrouble they look to Spinner’sgrandfather, Chief, to help themsort things out. Chief teaches themabout fishing, friendship and re-sponsibility. In the FishingKidsworld, life lessons are learned andeverything turns out for the best.

• Before you head for the dock,make sure you’re prepared. Atwww.TakeMeFishing.org, you’llfind everything you need to know

Connect with yourgrandchildren

outdoors

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Whether you ’re a risktaker or a more conser-vative saver, retire-

ment planning should be a toppriority. Taking charge of yoursavings, regardless of your lifestage or savings style, can help toensure you get “to” and “through”retirement and live the lifestyleyou think is right for you.

If you have an employer-spon-sored retirement plan, expertssay that you can benefit by takinga closer look at your account toexplore ways to combat risk andprotect savings for the future.

“No matter what kind of saver

you are, connecting with a retire-ment consultant or financialprofessional can help restoreconfidence in your retire-ment plan,” says ChuckCornelio, President ofRetirement Plan Servicesat Lincoln Financial Group.“These individuals willreview your risk prefer-ences, as well aswhat’s available with-in your plan to helpyou map out a pathto retirement thatis right for you.”

Consider thefollowing five

tips that can help you managerisk and volatility within anemployer-sponsored account,

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Many options within anemployer-sponsored

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Retirement plan tips for conservative savers

about planning a successful fishing tripwith a child. The site is packed withtips and tricks, as well cool tools like amarina finder and a fishing hotspot lo-cator. Kids will enjoy the games in theLittle Lunkers section.

• Gear up! In addition to the chapterbook series, FishingKids offers a line ofaction figures, toys and gear that giveschildren the opportunity to imagineoutdoor adventures even after the boatreturns to the dock. FishingKidsbooks, toys, clothing and gear are avail-able at www.FishingKids.com.

• Be sure to check out the fishing ac-tivities in your area, too. Many commu-nities hold Youth Fishing events andclinics. These events are often free, andyoung anglers may take home a bag ofgoodies from event sponsors.

Don’t miss an opportunity to get out-doors with your grandchildren and cre-ate life long memories with them.

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market fluctuates and defendagainst losses. Knowing whatinvestment options are avail-able to you is the first step toprotecting your savings.

• Consider lifestyle op-tions: Your risk tolerance maychange over time based onhow many years away you arefrom retirement. For exam-ple, investments known astarget date funds are de-signed to manage risk overtime without moving assetsout of a retirement portfolio,so participants always stay in-vested. The flexibility ofthese funds can cover a broadrange of risk tolerance.

• Explore in-plan guaran-tee options: Some features intoday’s retirement plans in-clude guaranteed income op-tions that can provide saverswith a steady income stream

in retirement while also offering protec-tion against downturns in the market.

• Review your investments: Ask youremployer about retirement planning

education, online tools or one-on-onesupport to get a better handle onwhether your investment strategy is inline with your overall retirement goals,

as well as your risk toler-ance. Take advantage of allthe resources available toyou.

• Stay the course: A com-mon mistake people make isletting their emotions leadto actions. Resist the tempta-tion to move out of your in-vestments into areas youthink are more stable. Thebest way to prepare for re-tirement is to ride the mar-ket’s waves and remain in-vested for the long-term.

More retirement planninginformation and tools canbe found at www.lincolnfi-nancial.com.

If you’re enrolled in yourcompany’s retirement plan,remember to stay on track tobe better prepared for theyears ahead.

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Nan cy Norton wrapped

up 25 years at Fruitland

Middle School in May

and has immediate plans to trav-

el and enjoy retirement.

Norton grew up and went to

school in upstate New York

near the Canadian border. She

planned to go into education

and wanted to teach fifth grade.

Right out of college in 1979,

she was in the Burley area

where she spent one year in the

VISTA program.

“It’s like a domestic Peace

Corps,” Norton said. She said

that it was during the John F.

Kennedy period when many

Americans asked themselves,

“What can I do for my coun-

try?”

In the VISTA program,

Norton primarily worked one-

on-one with students.

After that year, she went to

work at the Burley School

District in 1980. She worked at

a school that had eight classes of

only kindergarten students,

twice a day.

In that first year of teaching in

Burley, she said she had the ad-

vantage of being with one grade.

The students would go half days

and have a lot of energy.

The problem, she said, is that

the first half of the day’s kinder-

gartners would have so much

en-

ergy they would almost take all

the energy out of the teachers —

and then the teachers would

have another half day of teach-

ing kindergartners who had just

as much energy.

She stayed there for two years,

then moved on to the Minidoka

County school district in Idaho,

where she taught the third

grade and second grade

for five years.

Then, moving onto

Heyburn, Idaho, she

taught the fifth grade

for 13 years.

In 2001, Norton’s

daughter went to Boise

State University. It was

then that Norton went

to the Fruitland School

District and stayed there

for 25 years.

“Education

changes periodically.

However, when it

does, it’s a drastic change,”

Norton said. Testing has

changed, and the way the results

of those tests are used have

changed.

Norton plans to begin travel-

ing immediately. She has family

in New York and Florida and

would like to travel there. She al-

so plans to do some volunteer

work, as well.

“The possibilities are endless,”

Norton said.

Norton also added a message

to her students: “I want the

world to open for you. No one

can take what you know away

from you. It’s your ticket, the

knowledge you possess. And it

gives you endless possibilities.

You just have to work hard for

it.”

Retirementopens a whole

new world

X N -

Nyssa GardensAssisted Living Facility

1101 Park Ave., Nyssa, Oregon 97913

CHERISE KAECHELEARGUS OBSERVER

FRUITLAND

CHERISE KAECHELE | INDEPENDENT-ENTERPRISENancy Norton has family in New York andFlorida and would like to travel to see them.

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702 Sunset Dr.Ontario, Oregon 97914

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