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High Desert Living - May 2021

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MEETYOURTETHEROW NEIGHBORS,
The Werner Family
Our Stories · Our Community · Our Publication
A Social Magazine Exclusively
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High Desert Living • May 2021 May 2021 • High Desert Living
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19158 Currier Drive
19187 Gateway Loop
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High Desert Living • May 2021 May 2021 • High Desert Living
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and Project Management
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High Desert Living - May 2021

  1. 1. MEETYOURTETHEROW NEIGHBORS, The Werner Family Our Stories · Our Community · Our Publication A Social Magazine Exclusively For The Residents Of Tetherow living HIGH DESERT May 2021
  2. 2. High Desert Living • May 2021 May 2021 • High Desert Living 2 3 Address 19158 Currier Drive 19187 Gateway Loop 19209 Cartwright Court 19349 Alianna Loop 19355 Alianna Loop 19361 Alianna Loop 19367 Alianna Loop 19372 Alianna Loop 19385 Alianna Loop 19391 Alianna Loop 61312TetherowVista Drive 61338Triple Knot Rd 61381 Bonneville Loop 61594 Hosmer Lake Drive 61365Triple Knot Rd 61337 Kindle Rock Loop List Price $2,800,000 $1,225,000 $1,995,000 $1,399,990 $1,499,990 $1,399,990 $1,499,000 $935,000 $1,499,990 $1,350,000 $1,399,000 $975,000 $2,800,000 $375,000 $1,125,000 $999,000 Sale Price $2,425,000 $1,252,061 $1,782,000 $1,399,990 $1,499,990 $1,399,999 $1,499,000 $865,000 $1,499,990 $1,360,000 $1,350,000 $1,000,000 $2,650,000 $320,000 $1,135,000 $975,000 Sold Date 9/3/2020 7/2/2020 6/22/2020 3/27/2020 9/11/2020 2/28/2020 3/27/2020 7/15/2020 7/7/2020 12/4/2020 11/6/2020 11/6/2020 6/22/2020 9/3/2020 1/5/2021 12/4/2020 DOM 268 69 92 279 150 0 307 357 0 60 0 4 21 544 0 0 Beds 4 3 4 5 5 5 5 3 5 3 3 2 3 0 2 3 Baths 4 4.5 4.5 5.5 6 6 5.5 3.5 6 3.5 3.5 2.5 3.5 0 2.5 3.5 Square Feet 4,290 2,856 4,348 3,884 4,071 3,884 4,074 2,757 4,071 3,046 2,624 2,336 3,231 0 2,367 2,863 Status Sold Sold Sold Sold Sold Sold Sold Sold Sold Sold Sold Sold Sold Sold Sold Sold TheVandenbornGroup.com 650 SW Bond St | Suite 100 | Bend, OR 97702 Natalie Vandenborn Nvandenborn@gmail.com 541.508.9581 TheVandenbornGroup.com 650 SW Bond St | Suite 100 | Bend, OR 97702 Natalie Vandenborn Nvandenborn@gmail.com 541.508.9581 Your Next Level Lifestyle.
  3. 3. High Desert Living • May 2021 May 2021 • High Desert Living 4 5 Incredible Custom Homes, Remodels, and Project Management 541.977.1824 BuffaloRidgeBuilders.com Note: When community events take place, photographers may be present to take photos for that event and they may be used in the publication. Tetherow FOR ADVERTISING INFORMATION, CONTACT:  Lindsay Resendez · lindsay.resendez@n2pub.com We are on Instagram @highdesert_living  Be sure to“like us”and follow us so you are in the know regarding upcoming events, announcements, contests and more! DISCLAIMER:The N2 Company d/b/a“N2 Publishing”is not affiliated with or contracted byTetherow Owners Association, Inc. (the“Association”).This publication, including the content of articles and advertisements contained herein, is not authorized or endorsed by the Association. Any articles included in this publication and/or opinions expressed therein do not necessarily reflect the views ofThe N2 Company but remain solely those of the author(s).The paid advertisements contained within High Desert Living magazine are not endorsed or recommended byThe N2 Company or the publisher. Therefore, neitherThe N2 Company nor the publisher may be held liable or responsible for business practices of these companies. NOTE:When community events take place, photographers may be present to take photos for that event and they may be used in this publication. IMPORTANT PHONE NUMBERS Emergency And Non-Emergency Police/Fire/Ambulance Fire and EMS Poison Control Bend Police non-emergency number Fire-non-emergency number Community and Utility Central Electric Cooperative Bend Garbage and Recycling Cascade Disposal Bend Utilities Department/Water/Sewer Bend Parks and Rec-Park Services Bend Parks and Rec-Facility and Rental Information U.S. Post Office Bend, OR Jessica Anderson -neighborhood State Farm agent   Schools Bend La Pine District Office Summit High School Pacific Crest Middle School High Lakes Elementary School William E. Miller Elementary School Seven Peaks School Cascades Academy The Montessori Center 911 541-322-6300 800-222-1222 541-693-6911 541-693-6911 541-548-2144 541-382-2263 541-382-6660 541-388-5515 541-388-5435 541-389-7275 800-275-8777 541-797-7041 541-355-1000 541-355-4000 541-355-7800 541-355-1700 541-355-2500 541-382-7755 541-382-0699 541-383-5163 OWNER | PUBLISHER AD MANAGER CONTRIBUTING PHOTOGRAPHER Lindsay Resendez lindsay.resendez@n2pub.com Tania Lee Emily Alper emslensphotography.com www.n2pub.com Turning Neighborhoods Into Communities © 2021 Neighborhood Networks Publishing, Inc.
  4. 4. High Desert Living • May 2021 May 2021 • High Desert Living 6 7 Sponsor Neighborhood I N D E X This section has been created to give you easier access when searching for a trusted neighborhood vendor to use. Take a minute to familiarize yourself with the businesses sponsoring the publication. These local businesses are proud to partner with you and make this magazine possible. Please support these businesses and thank them for supporting the publication! ACUPUNCTURE/ HEALTH Dr. Megan Carmichael (541) 647-0569 acuwmegan.com ARTIST / PAINTINGS Cooper Art and Abode Kristine Cooper (509) 844-2641 cooperartandabode.com CLEANING: RESIDENTIAL & COMMERCIAL Muddy Paws Residential Cleaning Services Patrick Sherman (541) 280-8736 muddypawscleaners.com COWORKING & EVENT SPACE The Haven CoWorking (541) 323-9675 worklifehaven.com CUSTOM GARAGE FLOORING Superior Garage Floors (541) 549-4040 superiorgaragefloors.com CUSTOM HOME BUILDERS Artisan Homes and Design (541) 318-9987 artisanhomesanddesign.com CUSTOM WOODWORKING & DESIGN Nathan’s Custom Wood and Steel, LLC Nathan Wismer (541) 588-2817 bendcws.com DENTISTRY Mill Point Dental Mike Longlet (541) 388-0078 millpointdentalcenter.com DESIGN AND REMODELING Buffalo Ridge Builders Aaron Ribble (541) 977-1824 buffaloridgebuilders.com FINANCIAL ADVISOR Joe Mansfield CLU, ChFC (541) 633-1927 wfadvisors.com/joseph.L.mansfield FRAMING/CUSTOM Eastlake Framing (541) 389-3770 eastlakeframing.com HOME INSPECTION Bend Brothers Inspection Services (541) 362-6379 bendbrothersinspections.com HOME WATCH & CONCIERGE SERVICES 4 Seasons Home Services (541) 593-8037 4seasonshomeservices.net INSURANCE AGENCY State Farm Insurance Jessica Anderson (541) 797-7041 sfagentanderson.com LANDSCAPE/DESIGN Desert Sun Landscapes (541) 408-6309 bendlandscapes.com LANDSCAPE/ IRRIGATION/HARDSCAPES Native Habit Landscapes (541) 420-8517 nativehabitbend.com LUXURY REAL ESTATE The Vandenborn Group Natalie Vandenborn (541) 508-9581 Thevandenborngroup.com MORTGAGE LENDER Directors Mortgage Tonya Robertson (541) 385-6112 x2314 Directorsmortgage.com/tonya-robertson PAINTING SERVICE Marc Riverman Painting, LLC Marc Riverman (541) 280-6073 PEDIATRIC DENTISTRY Pediatric Dental Associates (541) 312-2490 pediatricdentistco.com PHOTOGRAPHER Em’s Lens Photography Emily Alper (510) 418-2501 emslensphotography.com PROFESSIONAL ORGANIZER Tidy and Flourish Melissa Jean (541) 480-1681 tidyandflourish.com REAL ESTATE BrundageSmith Real Estate Team Molly Brundage (541) 280-9066 brundgagesmith.com SOLAR ENERGY/INSTALLATION National Solar (800) 808-1955 nationalsolarusa.com VETERINARIAN Blue Sky Veterinary Clinic (541) 383-3833 blueskyvet.com WINDOW COVERING Bend Window Works Andy Brookman (541) 383-2455 bendwindowworks.com WINDOW TINTING Custom Tint (541) 419-9578 custom-tint.com Exterior & Interior Painting | Stain & Lacquer Cabinet Refinishing | Interior Doors & Trim Deck & Fence Staining | Epoxy Garage Floor Coatings Color Consultations MarcRivermanPainting.com Licensed • Bonded • Insured CCB#175732 Serving Central Oregon Since 2003 Before After
  5. 5. High Desert Living • May 2021 May 2021 • High Desert Living 8 9 publisher’s note HELLO, MAY! Well, we are off and running! I hope you all enjoyed the first issue of High Desert Living. It was such a pleasure gathering the content, meeting residents and business sponsors; sharing excite- ment and enthusiasm together for your publication. My absolute favorite part about being the publisher of High Desert Living is the connections I make. I’m a connector at heart and always have been. My husband says I should have been a news reporter because I love asking questions and can strike up a conversation with anyone. Or a radio DJ because I’m pretty darn good at music trivia. I think I chose a great career, regardless. I have met some amazing residents thus far and look forward to meeting you all in the near and distant future. I love hearing your stories and why you ultimately chose beautiful Bend and Tetherow as home. I moved to Bend after graduating from the University of California, Santa Barbara in 2009. After visiting friends that had recently moved up, I instantly fell in love with Central Oregon and never looked back to my native Californian roots. I’m sure that sounds familiar to a lot of you! I have a blended family with my husband, Christian, and our two kids, Sebastian (11) and Mirin (9). I’m a compost fanatic and avid record collector, Led Zeppelin being my most favorite band (although that is a very hard choice).  BRINGING WOOD AND STEEL TO LIFE Craftsmanship and detail like no other. NATHAN'S CUSTOM WOOD AND STEEL, LLC 541-588-2817 • NathansCustomWoodworking.com Graduating with an environmental studies degree, I am so hon- ored to be working in a community “taking pride in preserving, protecting, and helping our environment flourish.” This incredi- ble “sustainability pledge” reads loud and clear in the Tetherow landscape and the residents that share its preservation. Some of the articles in this month’s issue highlight just that with our young achievers, Bella and Colton, saving baby quail every late spring and summer that get trapped in the storm drains or helping them cross the roads safely up to the curb. Our family spotlight, the Werner family, are outdoor enthusiasts to a T. They love that they can be on trails in less than a 1/4 mile from their backdoor. And our business sponsor spotlight, Nathan Wismer of Nathan’s Custom Wood and Steel, lives on a ranch with his family and 16 cows, nine goats, three dogs, a cat, and 11 chickens.  I’m looking forward to this spring and the inspiring days ahead. Please don’t hesitate to reach out and share your ideas, feedback, and suggestions. Happy Mother’s Day to all past, present, and future Mommas! Enjoy the month of May.  All the best, Lindsay Resendez 541-219-1670 lindsay.resendez@n2pub.com Color Flake System Polished Concrete CCB#173851 High Desert Living Would Like To Thank Our Entire Staff and Our Resident Contributors For Their Valuable Contributions To The Magazine High Desert Living Staff & Resident Contributor Team Tania Lee Ad and Design Manager Mill Point Dental Tetherow Business Partners Dr. Megan Carmichael Tetherow Healthful Living Contributor Colton Cox Highlands Resident Bella Cox Highlands Resident Megan Tormey Owner of Dog Pack Collars and Pet of the Month Sponsor Ryan and Rachael Blakely Tetherow Landscape Tips Contributor Nathan Wismer Tetherow Business Partner Sarah Fraser Tetherow Resident Jackson Tetherow Resident The Werner Family Tetherow Residents Emily Alper High Desert Living Photographer
  6. 6. High Desert Living • May 2021 May 2021 • High Desert Living 10 11 welcome to high desert living OUR NEW Our Sponsors Help Us Bring You This Publication Each And Every Month. Check Out Our New Partners! Cooper Art and Abode: Kristine is an abstract artist with a passion to create spaces that are refined, eclec- tic, and modern in their own way. The combination of combining the vintage with the modern world is appealing to her, and she isn’t afraid to mix patterns and colors in a cohesive way. She draws her inspiration from traveling, exploring mountains, and treasure hunt- ing in local antique shops and salvage yards. Her desire is to pull together spaces that aren’t just aesthetic but are home. Her artwork acts as a visual diary of her day-to-day life. Thick layers of paint, vibrant colors, and play- ful shapes transport you to a new dimension. She knows a work is done when the piece invites the eye to explore every inch of the canvas finding new details. Each piece has a story behind what she was thinking while painting, but she also wants viewers to create and design their own unique story for the artwork as well. Visit Kristine’s website cooperartandabode.com to see her beautiful artwork and see where her next exhibition will be! She can be reached at 509-844-2641 or info@cooperartandabode.com. young achievers meet TETHEROW’SBABYQUAILRESCUERS! Spring is here in the High Desert. One of the many welcomed signs of spring is the newborn wildlife that calls the preserved Tetherow landscape home. Between mid-June through August, Bella and Colton have a busier sched- ule protecting one in particular wild- life resident, baby California quail.    Since 2017, Bella (14) and Colton (12) have saved hundreds of quail just by helping them cross the road. “We have pulled over countless times, stopped traffic, chased them to one side, and lifted them up and put them up on the sidewalk to go find their momma.” The other challenge the small hatchlings face crossing the road is falling down the storm drains when crossing the road or trying to find a way up the high sidewalk curbs. Because they can’t jump that high, they travel along the side and unfortu- nately fall in the drains. Fortunately, Custom Tint: With more than 30 years of experience, the team at Custom Tint specializes in professional Custom window tinting & Decorative privacy graphics. Our fully licensed, locally owned business ensures excellent work, at a competitive cost for all of your window treatment needs. Solar films are one of the most cost-effective solutions, providing daytime privacy and heat reduction while fighting against the fading of your floors, furniture, art, as well as decor. These commercial and residential films protect the interior of your home and now with our CoolVu transitional films, we can maximize glare control that is acceptable for Tetherow exterior CC&R regulations!. If you’re looking to keep that beautiful Central Oregon view, higher-performance films work just as hard, with little to no change in hue. We believe in our work and our products, that’s why we are proud to announce we’ve added Tuffskin to our available product line! For all your soft stone countertops, with a guarantee to not etch or stain. This stone laminate is made from a high-tech polyester that is gas permeable, but liquid imperme- able and is specifically designed to work with stone. We want to help protect the things you care about in your home. At Custom Tint, we are dedicated to quality care, customer satisfaction is our number one priority. For any additional information, you can visit our website at www.custom-tint.com. Or for questions, consultations, and timely installation scheduling contact Bob@custom-tint.com or call 541-419-9578. WELCOME BUSINESS SPONSORS Bella and Colton are rescuers at heart! They will ride their bikes and check the drains at least twice a day during the late spring and summer months. When they leave for vacation or are out of town, they ask their neighbors to help look while they are away. “I love the baby quails and always feel sorry for them, especially when they can’t jump the big curbs in Tetherow,” Bella says. They have probably pulled out over 50 baby quail in the drains. “Half of them didn’t survive but some we pulled out made it, or we found them soon after they fell in and they were lucky.” When asked what do you do when you find a quail in the drain, they simply replied: “It’s super easy. If you find them in the drain, someone has to jump in. It’s not that deep or gross and they are usually dry. We just scoop them up and put them together under a bush. Their momma will hear them once they start making their sounds. No gloves needed.”   To help prevent further quail casu- alties, the Cox family created “quail trails.” “ We gathered larger rocks and/or pine cones and wood from construction sites and made little steps up to the Tetherow curves, giving it a more ‘natural’ look.” These quail trail steps help them cross the road and safely step up to the tall curves instead of falling into the drains or becoming prey to blue jays. To also prevent them from falling down the drains, they asked for permission to buy netting and put it under the drain covers. “They said yes, so that is what we did. We cut the netting to cover the hole, lift the drain cover, and put the netting under it. It’s not an easy job by any means but worth it.” And the Cox family sleeps a lot better during the summer months because of it!    The Cox family now resides in the Highlands at Broken Top. “There are no curbs, which is nice, but we still have lots of storm drains. Now that there are more houses and driveways in Tetherow, it’s easier for them, but there are still stretches where they get stuck and can get run over or fall in the drains, etc.” Their hope is to have 2021 be the best year of Tetherow quail hatchlings with more community awareness. “Any animal is worth saving and I would love it if all the residents put ramps up for the baby quails and check the storm drains often,” says Colton. The sweet- est call to action you can get. Cox BELLA & COLTON Cox With no momma in sight, Bella rescued the baby quail from the drains and kept them dry and warm. They were then taken to an animal sanctuary in Sisters, OR.
  7. 7. High Desert Living • May 2021 May 2021 • High Desert Living 12 13 tetherow healthful living Spring has sprung; have your allergies, too? Written by Dr. Megan Carmichael, DACM, LAc Central Oregon has a wonderful ability to produce an allergy response at some point no matter what time of year it is. In my 16 years of living here, I don’t think I’ve met one person who hasn’t gone unscathed from seasonal allergy symptoms. Juniper trees are front runners, as they are indigenous and known to spread pollen several times a year. Grass is prevalent in mid-spring followed by several different weeds and trees that continue to bloom throughout the year. Another special trait of Central Oregon is the smoke haze of fire season where burned plants become airborne. An allergy is when you come into contact with a foreign substance (allergen) that triggers an immune response. Examples include: 1. Skin rash or hives, red and flaky skin 2. Sinus infections 3. Difficult breathing, cough, tight chest, wheezing, shortness of breath, allergy-induced asthma  4. Digestive issues  5. Sneezing  6. Itchy nose, eyes, or mouth  7. Runny, stuffy nose  8. Watery, red, gunky, swollen eyes Here are a few things that you can do to stop suffering from your allergies and enjoy the beautiful outdoors. 1. Wash your face. Specifically, your eyelashes before bed. The pores on your face and eyelashes serve as little Petri dishes for pollen to wreak havoc as you sleep. • Improve Your Health & The Family’s • Strengthens your body’s immune system naturally • Acupuncture reduces stress, anxiety, & depression. • Sessions give relief from acute & chronic pain from wear & tear and injuries, including headaches. • Acupuncture increases gut health, digestion function, sleep regularity and allergies. Dr. Megan Carmichael DACM, LAc 541.647.0569 • Acuwmegan.com • 61270 Brookswood Blvd. Bend, Oregon 97702 2. Blow-dry your hair before bed or after being outside. Pollen loves to attach to hair and irritate your face while you sleep, staying on your pillow and blanket for returning nights.  3. Rinse your sinuses. Neti pot with saline solution on a regular basis. I highly suggest that you do this in the morning and after you get home. Neti potting will clean out your nasal cavities and help prevent serious inflammation.  4. Consume local honey. This has been known to help decrease allergy reactions by introducing small amounts of the allergen and training the body that this substance is not dangerous.  5. Take Chinese herbs. Traditional Chinese medicine has mul- tiple herbal formulas known to effectively regulate the immune system. These formulas, when taken in preparation for the upcoming allergy season, can greatly reduce or eliminate allergy symptoms altogether. Chinese herbal medicine should only be taken with the help of a licensed acupuncturist or herbalist.  6. See your local NAET specialized acupuncturist. NAET (Nambudripad allergy elimination technique) is a very successful option for eliminating sensitivities and allergies. NAET uses the combination of kinesiology muscle response testing, electromag- netic fields, meridian points from Chinese medicine, and spinal stimulation to reprogram the brain and nervous system to no longer react to an allergen. Once the body accepts this repro- gramming, the body heals itself and no longer suffers from aller- gies. After an initial series of treatments, most patients receive a couple of follow-up treatments each year before the allergy season starts. Being proactive is key with allergies. I am specialized in NAET, please feel free to contact me to discuss your personal allergy healthcare. *Remember to consult your healthcare provider or licensed professional before taking on new healthcare habits, especially to prevent Rx complications.
  8. 8. High Desert Living • May 2021 May 2021 • High Desert Living 14 15 Ted and Shannah’s story began in 2002. “We met online before online dating was a ‘thing.’ We talked on the phone (again, because texting was not easy with flip phones!) for an entire summer because Shannah was interning in Napa, CA, and Ted was working in Portland. When we finally met at the end of August, three months later and thousands of dollars in cell phone bills (again before unlimited calling), it was like meeting a long- lost friend. The rest is history. We got married in July 2005 at Timberline Lodge.” The Werner family has lived in Bend for eight-and-a-half years, and daughter, Hayley, and son, Teddy, were born here. They moved to North Carolina in August of 2013 where they lived for 22 months and then returned to Portland where they resided for three years to the date. “Circle of life has brought us back to Bend, where we belong. We realized lifestyle trumped career and living our outdoor passions was more important than chasing career aspira- tions. We have been back in Bend since summer of 2018.” Ted and Shannah picked Tetherow as their “final resting place” because of its close proximity to the trails. “Ted can ride his bike out the back door and be on the trails in less than ¼ mile!” Shannah can wake up to a view of the mountains every day as long as it’s clear. And it’s 22 minutes on a good day to Mt. Bachelor to ski.” They found the perfect lot and then built their dream house. Would you like to nominate a neighbor or yourself to be featured as our next “Meet Your Neighbor”? Email us at lindsay.resendez@n2pub.com. Ted attended Marquette University (BS in information technol- ogy) and is a pre-sales manager for Pacific Northwest for Alteryx. He enjoys mountain biking, hiking, and running. Shannah attended Willamette University (BA in rhetoric and media studies). She has been a certified personal trainer for almost 20 years and has worked at various gyms, including Athletic Club of Bend, Title Boxing Club (North Carolina), and Stafford Hills Club (Tualatin, OR). She currently is co-owner of BoXiT Fitness Studios in Bend (personal trainer and class instructor). “I love being a part of the Bend community and helping people of all fit- ness levels stay healthy. You don’t have to be an amazing athlete to live in Bend. You just have to appreciate all the things it has to offer to keep you healthy! I love inspiring and empowering others to be better versions of themselves through the studio.” When Shannah is not in the studio she enjoys backcountry skiing, hik- ing, biking, running, being outdoors, and traveling.  Hayley will be 12 this month (May). She is in the sixth grade and loves swimming, skiing, soccer, and hanging out with her best friend, Ella. She is passionate about animals and has read the Harry Potter series almost five times all the way through and takes great pride in antagonizing her brother. At age 9.5, Teddy is in the fourth grade and enjoys skiing, soccer, biking, and their sweet kittens, Jaxon and Leo, who are brothers. He is passionate about astronomy and can name all the planets, their moons, and other “out of this world” information. They both love to travel and can often be found hanging out at Mom’s boxing studio. The Werner family sits down to eat dinner as a family every night (around sports schedules as best as possible). One night a week, they get takeout from a local restaurant. Everyone likes different things, so they support a lot of different local restaurants! Some of their favorite restaurants are Poke Row, La Rosa, and Deeply Rooted. During the summer, you will often find them at their favorite lake, Elk Lake, as they usually will go once a week to swim, paddle, and eat the ice cream.  One of the Werner family traditions is their highly anticipated annual trip to Paradise Village Nueva Vallarta, Mexico. “Our annual trip to Mexico is definitely the best! We have gone almost every year since Haley was born. We went in 2009 (she was 6 months). The kids spend their days boogie-boarding, jumping in the waves, swimming in the pool, eating quesadillas, chips, and guacamole, and just having fun!” Their trip is booked for 2021 and they can hardly wait.  When asked if the Werner family had a special message they would like to share with their neighbors they simply said, “Our door is always open – we love the outdoors and we love Bend and love sharing it with our neighbors!” If you happen to see the Werner family around town or out on the trails, make sure to say hello and get to know them as they are what makes Tetherow and Bend so wonderful. meet your neighbors Story content by the Werner family | photos by Em’s Lens Photography The Circle of Life: Werners Return to Bend! MEETTHE Werner FAMILY
  9. 9. High Desert Living • May 2021 May 2021 • High Desert Living 16 17 tetherow financial fitness THESE Provided by Joseph Mansfield What common errors could derail your retirement plans? Understand your options: Making retirement planning mistakes at any time, but especially when there are economic uncertainty and market volatility, can create difficulties in achieving your long-term goals. Here are five common, and potentially costly, errors you’ll want to avoid. Mistake 4: Borrowing from your retirement plan Many QRPs offer loans to participants. Unless you need the money for an emergency, try not to use this option. Borrowing can be an expensive choice in two ways: • Smaller retirement savings: When you take out a loan, you are losing the benefits of potential investment growth, and that could leave you with a smaller retirement savings. Also, if you stop contributing while you are paying back your loan, you won’t receive any employer matching contributions. • Repayment requirements: If you leave your employer, the plan may give a short period of time (e.g., 30 or 60 days) to repay that outstanding balance. However, if not repaid, the outstanding loan balance is generally subject to income tax and possibly a 10% IRS tax penalty for younger workers. In addition, cashing out of your 401(k) when you move to a new employer might be costly. Know your distribution options when changing jobs. Mistake #5: Underestimating the cost and length of retirement Some crucial factors to take into account: • Longevity: If you retire around age 65, you could spend a quarter-century or more in retirement. As a result, you may need to save enough to last 25 to 30 years. • Inflation and taxes: Even with relatively mild inflation over the past 25 years, the cost of living has more than doubled. Also, consider what taxes you’ll be paying on the money you withdraw from your retirement account. • Health care: Even with Medicare, you could have expenses for supplemental insurance, some prescription drugs, and nursing home care. • Lifestyle sticker shock: A rule of thumb for retirees is to plan on needing approximately 80% of their pre-retirement annual income. A Wells Fargo Advisors financial advisor can help educate you regarding your options so you can decide which ones make the most sense for your specific situation. This article has been prepared for informational purposes only and is not a solicitation or an offer to buy any security or instru- ment or to participate in any trading strategy. Investing involves risk including the possible loss of principle. Asset allocation cannot eliminate the risk of fluctuating prices and uncertain returns. The accuracy and completeness of this information are not guaranteed and are subject to change. Since each investor’s situation is unique you need to review your specific investment objectives, risk tolerance, and liquidity needs with your financial professional(s) before an appropriate investment strategy can be selected. Also, since Wells Fargo Advisors does not provide tax or legal advice, investors need to consult with their own tax and legal advisors before taking any action that may have tax or legal consequences. Wells Fargo Advisors is a tradename used by Wells Fargo Clearing Services LLC, Member SIPC, a registered broker-dealer and non-bank affiliate of Wells Fargo & Company. © 2020 Wells Fargo Clearing Services, LLC. All rights reserved. PART 2 OF 2 PARTS AVOID RETIREMENT MISTAKES 5 Curate. Choose Joy. Live in Gratitude. Specializing in Home and Business Organization + KonMari Method Services Text/Call Melissa at 541.480.1681 to discuss your project • TidyAndFlourish.com home tidying • pantry organization • moving in CENTRAL OREGON’S FULL SERVICE PV SOLAR INSTALLATION CONTRACTOR FINANCING AVAILABLE STARTING AT 2.99% OAC 2709 NW CROSSING DR BEND, OR 97703 541-213-8062 | NATIONALSOLARUSA.COM
  10. 10. High Desert Living • May 2021 May 2021 • High Desert Living 18 19 pet of the month A Little Cutie with a Lot of Personality! It’s never a dull moment with Jackson! This sweet poodle/Bichon mix, with maybe a touch of West Highland terrier, puts a smile on everyone’s face with his charm and big personality.    Jackson was found as a stray on the streets of Oakland, CA, and brought to the Pets Unlimited Shelter in San Francisco where he met Samantha and his fur-ever home in 2012. His full name, Jackson J. Jackson, was named after Samantha’s dad’s nickname in college, where the J. stood for Jackson, as well. A very unique family name, but you can call him Jackson for short! He has been cruising around Tetherow and exploring his surroundings since June 2019. You would never know he is about 10 years old with his full-of-life personality. “He is very smart, knowing a lot of tricks. He also knows when he’s being tricked, so he only does so many. He also does a funny howl noise when he’s happy.”   His favorite place to hang out in Bend is at home, laying on the deck in the sun with his human family...mom: Samantha and grandparents: Judy and Bill. He also enjoys camping and has enjoyed many sights in Central Oregon. “He travels everywhere with me. I even have a stroller he goes in sometimes so he can come in places or feel safe in crowded areas. Jackson is the best companion!” To see some of his traveling adventures, you can follow Jackson on his Instagram page @jacksondog_.    It’s no surprise when asking Samantha how spoiled Jackson is on a scale of 1-10 that she answered 10. He gives great cuddles and gets plenty of his favorite treats, his natural “toothbrush” chew sticks. When Jackson is not sunbathing or traveling, “he does rips (zoomies) a lot and races around the house. Jumping on things, parkour-style, but never running into anything or missing a turn.”   The next time you see Jackson walking around Tetherow, make sure to stop and say hi. He will greet you lovingly and warm your heart instantly.  Calling all pet lovers. Big or small, warm- or cold-blooded, we want to meet them and share why they give you joy! Submit your pet nominations to lindsay.resendez@n2pub.com TYLER DAY, Owner & Operator LANDSCAPING • HARDSCAPING • IRRIGATION NATIVEHABITBEND.COM @NATIVEHABITLANDSCAPES LCB# 9861 S U S T A I N A B L E Thank you to Megan of Dog Pack Collars for outfitting Jackson in your new Island Escape collar collection! Blue is a great color on Jackson’s extremely soft, white coat. MEET JACKSON
  11. 11. High Desert Living • May 2021 May 2021 • High Desert Living 20 21 NATHAN’S CUSTOM WOOD AND STEEL LLC Turning Your Vision Into Art By Nathan Wismer of Nathan’s Custom Wood and Steel Nathan grew up in Lincoln, NE, and graduated with a bachelor’s degree in the arts at the University of Nebraska. After graduating, Nathan went on to do a year of volunteer work through AmeriCorps with Habitat for Humanity. “Carpentry came easy for me and so I kept with it after my year ended with AmeriCorps. I went to work for a company specializing in remodels and home additions. I soon became complacent and attempted to teach myself woodworking and furniture design. It was a slow start, but with more and more practice, it also became easy. It quickly became clear that I simply loved to create.”  Nathan and his wife moved from Grand Junction, CO, to Central Oregon in 2013. “Shortly after arriving in the area, we bought a ranch and had twin boys! Wyatt and Bodhi are 6 years old now. We have 16 cows (two of which are yaks), nine goats, three dogs, a cat, and 11 chickens.” Nathan’s wife works in the medical field in Redmond. Once Nathan was settled into Central Oregon, he began right away to learn the trade of welding. He saw another avenue to create even more. “Again, welding came easy for me with practice, and the options for combining wood and steel provided almost endless opportunities to design and create.” His business specializes in building and designing just about anything out of wood and/or steel. From custom furniture, fine dining tables, steel fire pits, live-edge tables, barn doors, welded components/ bases, chairs/stools, and so much more! Nathan truly turns your vision into art. Nathan’s Custom Wood and Steel loves being his own boss and getting paid for doing what he loves. He is an accredited business with the Better Business Bureau and has an A+ rating. “I believe what sets my business apart from the rest is my friendly and honest approach when it comes to dealing with my customers. Also, not to mention our communication and attention to detail!”   Some of his fine work and attention to detail can be seen at many local businesses, including Avid Cider, The Bite, Tumalo Coffee House, Habitat for Humanity, Crux Fermentation Project, Unofficial Logging Co, Ruff Wear, Embark, Metolius Tea, and Bend Brewing Company.  When Nathan is not creating and designing; he and his family love to camp, farm, ranch, fish, hike, and enjoy their friends. His advice to homeowners: “Don’t be afraid to ask a professional. I often just field questions from homeowners about a project they’re working on. I find it satisfying to be able to help someone regardless if they’re a customer or not.”  Your vision is one step closer to reality! Contact info: 541-588-2817 Nathanswoodworking@gmail.com bendcws.com business sponsor spotlight
  12. 12. High Desert Living • May 2021 May 2021 • High Desert Living 22 23 taste of tetherow SMOKED HADDOCK SOUP By Sarah Fraser | Tetherow Resident “Whenever we go home to Scotland, it is always on the list of things to eat, served with a big chunk of crusty bread.” Cullen skink’s name originates from the fishing town of Cullen in the North East of Scotland and is very similar to the New England chowder. “This soup can be eaten immediately but the next day is better. Cullen skink is a favorite soup, but can not be made in large quantities as it doesn’t keep for more than a couple of days.” Ingredients: • 2 pounds of smoked haddock, cut into chunks (not dyed) • 2 pints of full-fat milk • 1 bay leaf • 2 tbsp butter • 1 medium onion • 1 lb potatoes, no skin, cut into bite-size chunks • Salt and pepper to taste • Chopped parsley 1. Place the fish and bay leaf in a pan and cover with milk (fish should just be covered), and gently poach the fish, don’t let it come to a boil. About 10 minutes. 2. Remove fish from the pan, save the milk. 3. Melt butter and saute the chopped-up onion. 4. Add the potatoes and the milk. Bring to the boil and then sim- mer until potatoes are soft about 10 minutes, be careful to not burn the milk. 5. Add the rest of the milk, fish, and parsley heat until warm through. 6. Season to taste. Grab a big piece of bread and enjoy! Do you have a favorite family recipe? Email us at lindsay.resendez@n2pub.com as we would love to share it! 4 Seasons Home Services Professional Home Watch Services for Central Oregon Leave your home in good hands 541.593.8037 • 4seasonshomeservices.net Weekly home checks for absentee homeowners to ensure safety, security and peace-of-mind Bonded & Insured Cullen Skink: Cullen Skink: tetherow landscape tips LANDSCAPE DESIGN TRENDS By Ryan and Rachael Blakely | Owners of Desert Sun Landscape The landscaping trends you choose for your home are vital to con- sider. Whether you have an exist- ing landscape or are just starting the design process, the trends you implement can spotlight your home and keep you happy with it for years to come. Here are some important areas to consider: • Outdoor spaces for enter taining and relaxing The pandemic has forced us to realize many things. One, in par- ticular, is the need to find balance in our lives. We spend time in our outdoor spaces to ground our- selves. Memories are made with our families and friends here. • Lighting Landscape lighting enhances textures, spotlights focal points, and keeps pathways and patios safe. LED systems have improved dramatically over the last few years. Don’t underesti- mate the impact lighting will make on your landscape! • Smart Controllers These act as a thermostat for your irrigation system to automati- cally tailor watering schedules and run times. Studies have shown most smart controllers can save up to 20% of the water applied LANDSCAPE SERVICES • Full service landscape installation • Customized landscape maintenance plans • Irrigation activation/ winterization (541) 408-6309 BendLandscapes.com Since 2003 We work closely with your design to create a beautiful and sustainable outdoor space. FAMILY OWNED IN BEND OREGON LCB #9536 compared to a traditional controller. With the growing demand on our water supply, this choice will cer- tainly make an impact! As our spring landscape season goes into full swing, we hope your home becomes a sanctuary to spend quality time with your families!
  13. 13. High Desert Living • May 2021 May 2021 • High Desert Living 24 25 meet your sponsor ofYesterday Is Not the Dentist ofTomorrow How the Field Is Changing for the Better Like a fine wine, some things get better with age. And while the brightest minds of our generation can argue the drawbacks of technological advancements, there is no argument that technol- ogy in healthcare improves lives for the better. As a population, we have become increasingly aware of the need for balance -- both physically and mentally. The stigma associ- ated with mental health has been consistently decreasing and replaced with ever-increasing respect for people who put their health and mental wellbeing on the front burner. Employees are rising up to speak out against poor work environments, and com- munities fight for those without a voice.  In healthcare, the status quo is never enough. People now search for providers who do more than put a band-aid on their ailment. They want permanent solutions to everyday problems. And in the field of dentistry -- where dental phobia affects up to 24% of the world, band-aids just don’t cut it anymore. People want to feel better, yes. But they also want to feel more confident and healthy. Think about it. You go to the dentist, and you find out you have gum recession. Depending on the cause and severity, your dentist will provide recommendations to help stop it from worsening. But why did the gum recession happen in the first place? Treating the symptom is a temporary solution. If you want to solve a problem, you must understand why it happened. That’s where technology enters the equation. At Mill Point Dental, the focus is on using technology to answer questions objectively; to provide clear and concrete data that helps inform treatment recommendations. Patients have realized they have a voice and a choice when it comes to healthcare. And thankfully, they are using it. And that’s something the folks at Mill Point Dental wholeheartedly support. Dental school only gets a dentist so far. That’s why continuing education is critical for dentists to grow in their work. Dentists Mike Longlet, DDS, and Eric Alston, DMD, are one of only a handful of dentists in Central Oregon who have completed a den- tal residency. A dental residency provides experiential learning. Managing the oral health of patients who are medically com- promised requires knowledge of limitations. Resident-trained dentists refer more patients out to specialists because they have greater exposure to complications and risks. They understand the limits of their ability to manage complications -- despite their advanced training. They are believers that you get the best outcome by being a master at what you are good at and refer to a different master when needed.  They are also members of Kois, a renowned evidence-based teaching center. Kois-trained dentists focus on performing treat- ments the right way the first time, so they don’t have to readdress them in the future. And that is fantastic news for anyone who doesn’t want to spend a ton of time at the dentist’s office.  Dentistry is about not only creating a beautiful smile but also one that lasts. The focus of any good dentist should be on restoring function with treatments that last. It is about helping patients smile for life. Because if you feel good about your health, you have much to smile about. DENTIST THE DENTIST
  14. 14. High Desert Living • May 2021 May 2021 • High Desert Living 26 27 Commissions • Murals • Original Artwork K R I S T I N E C O O P E R Fine Artist cooperartandabode.com info@cooperartandabode.com @cooperartandabode M O D E R N B E N D A R T • WE LOVE WHAT WE DO and we love your pets too! “I love that Patrick shows up with a cleaning crew of 3 or 4 people. They can get thru my house in an hour. They are always on time and can squeeze me in last minute if necessary. They practice Covid mask wearing. They bring their own supplies and use natural cleaning products. They are always happy and asking for feedback so they can improve their services. I highly recommend them!!” (541) 280-8736 muddypawscleaners@gmail.com SPECIALIZING IN RESIDENTIAL HOUSEKEEPING AND COMMERCIAL CLEANING SERVICES
  15. 15. living HIGH DESERT

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