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Retirement Guide 2019

RESOURCES AND INFORMATION FOR NORTHERN COLORADO SENIORS

Home remedies: Animals as healers Retirement planning: How ‘life’ gets in the way and how to overcome the obstacles Boot camp after 60:10 steps to turn around unhealthy habits February 28,2018

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RETIREMENT GUIDE

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February 24,2019

Automotive Care

HAIL CLAIMS EXPERTS: Service With a Personal Touch

Emma Castleberry for Reporter-Herald Bill Hargett, owner of Hail Claims Experts, has more than three decades of experience in the auto repair industry. After a long career working for direct repair body shops, he has struck out on his own to start Hail Claims Experts. “I want to be more personal,” he says. “I will pay anyone’s deductible

Drivers dabble with

DRIVE-TIME DECISIONS

(BPT) - There are a lot of decisions to make when it comes to driving, from which car is best for you, to how much is too much gas. Here are a few tips to keep yourself safe and your car on the road.

Tire time

You may think that the biggest choice you’ll face when it comes to cars is which one to own. However, even after that purchase, there’s a plethora of other parts to ponder, like the tires. According to the latest installment of Hankook Tire’s Gauge Index Survey, Americans are more likely to consider the safety rating of their tires (26 percent) than that of their car (18 percent). Americans are also February 24,2019

and I’ve just started out with wordof-mouth marketing. I’m not trying to be a huge operation. I’m passionate about what I do. My sons and I repair one car at a time, and we love seeing the customers thrilled face when their vehicle is delivered fully restored, fully detailed, with a full tank of gas, in about a week or less.” Hargett’s intimate knowledge of the auto repair industry—and his related knowledge about the insurance claims industry—has made him wary of large-scale body shops, so much so that

he has nicknamed them “body chops.” “Anyone who goes to a body shop with hail damage looks at decreasing the value of their car by about 30 to 50 percent, because it will be repainted,” he says. “Nicer vehicles can lose even more value.” If your bring your car to Hargett with hail damage, Hail Claims Experts will not repaint any part of it. Instead, they massage each dent out individually—one by one. This method is called Paintless Dent Repair, or PDR. “I’m working on a truck now that had 1,200 dents in the roof alone,” he says. In addition to using a method that will retain the value of your vehicle, Hargett ensures that the process of repair will be much faster than at a large body shop. “Our average repair is three to four days,” he says, “and the

body shop has an average of six weeks. Not only that, but you’ll have to pay your deductible and the value of your car will be diminished.” In addition to these beneﬁts, Hargett says his personal touch is what sets Hail Claims Experts apart from the other repair shops. “There are a lot of PDR shops out there, but it’s a wild industry,” he says. “It can be hard to reach someone or get your car to them for an estimate. I will come out to my customer and put my best foot forward. The guy that will work on the car is the owner of the company and the person customers will talk to: me.” Hail Claims Experts is located at 200 Southwest 12th St., Suite 114 in Loveland. Contact Bill Hargett at 720.787.8051 or hailclaimsexperts@gmail.com.

split (50/50) on whether off-road tires are only meant for off-road cars. The truth is, while you can use them for daily driving, they are optimized for off-road use. But no matter which tire you need, one thing is for certain: Buying American-made is in. The Gauge found that 92 percent of Americans prefer to buy products made in the U.S. That’s up from 87 percent this time last year. Luckily, with more and more automotive companies like Hankook manufacturing products in the U.S., there are plenty of options for consumers to consider.

ing, experts recommend that you don’t drive with the interior lights on. That said, they were right about using low lights in fog or rain. While 38 percent of drivers think that high beams are the right choice for fog or rain, it can create a harsh reﬂection, making it more difﬁcult to see.

what’s necessary for the coming months, like winter tires, or new windshield wipers.

Lights on, or lights off?

We actually listened to our parents when they told us to turn off the overhead light. The Gauge found that 58 percent of Americans believe the “old dad’s tale” that driving with your interior lights on is illegal. It’s not, but because it’s distract-

Check the check list

How many miles are you really supposed to go between service appointments? That depends on the car, driving conditions, how much you drive, and many other factors. However, many drivers use the change of seasons as a reminder, and it’s a good schedule to keep. For example, car and tire maintenance was on the back-to-school checklist for 45 percent of Americans, but winter weather may not have been top of mind. As temperatures drop, it may be time to take care of

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To top it all off

It can be tempting to squeeze the handle once or twice more to get the most bang for your buck at the gas pump. In fact, 60 percent of drivers, don’t think that topping off your gas tank is bad for your car, but experts say it can actually lead to damage down the road. Topping off can overﬁll the tank and cause gas to enter the charcoal canister or carbon ﬁlter, which in turn can damage your engine. Save yourself a potential headache, and let the pump shut off. Many of the choices you make as a driver go beyond snagging a parking spot. Stay informed about your vehicle’s maintenance schedule, and know your options to keep your ride smooth and your car well maintained. RETIREMENT GUIDE

Financial Management

INVESTMENT CENTERS OF AMERICA (ICA) invests in people

Today’s investment climate offers unprecedented opportunities, giving you more control over the quality of service you receive from your financial advisor. Kevin Dunnigan, CFP®, and one of the founders of Investment Centers Advisor Group., has over 30 years experience in the financial services industry that he wants to share with you. He began his career with ICA. in 1984 in North Dakota and in 2000, he and his family relocated to Loveland to open his current office. Since then he has been helping residents all over northern Colorado find sure financial footing for their futures. Aside from being a CFP, Kevin has a Masters in Investments and Finance and has been a top producer for most of his years in the industry. He enjoys assisting clients in finding the right investment strategy even in a constantly changing economy. Whether

their need is planning for retirement, college funds, or even taxes, he treats each need individually, acquainting them with their options in mutual funds, annuities, stocks, bonds and more and giving them solid advice on which would work best for them. Kevin’s clients are more than just customers, they are like family and he believes in helping them achieve their ﬁnancial goals. He insists on treating his clients as he would his friends and family. Kevin’s motto is, “Trust and experience go a long way when you are dealing with people’s hard earned money.” If you are interested in creating a new ﬁnancial plan, or you’d simply like a no cost second opinion on your current investments, give Kevin a call today. Contact ICA at 970-622-2366 or visit 300 E. 29th St. inside the Guaranty Bank and Trust Company in Loveland.

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AARP FOUNDATION TAX-AIDE Available Now Through April 15 Annual free tax preparation service helps seniors file tax returns PRNewswire/ -- Beginning today and continuing through April 15, AARP Foundation is providing free tax assistance and preparation through its Tax-Aide program. AARP Foundation Tax-Aide is the nation’s largest free tax assistance and preparation service. Since its inception, the program has served more than 68 million taxpayers. Tax-Aide started in 1968 with just four volunteers working at one site. Today, nearly 35,000 volunteers serve low- to moderate-income taxpayers at almost 5,000 locations in neighborhood libraries, malls, banks, community centers and senior centers nationwide. There’s no fee, and AARP membership is not required. “AARP Foundation Tax-Aide provides free tax assistance to those who need it most,” said AARP Foundation Vice President of Tax-Aide Lynnette Lee-Villanueva. “For over 50 years, Tax-Aide has provided help to millions of low- and moderate-income taxpayers. This worthwhile program helps older adults by building economic opportunity and enables them to preserve as much of their income as possible.” Tax-Aide volunteers are trained and IRS-certiﬁed each year to ensure they know about and understand the latest changes to the U.S. Tax Code. In 2018, the program’s volunteers helped 2.5 million people navigate complicated tax codes, ensure proper credits and deductions, and ﬁle their federal and state tax returns.

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Taxpayers who used Tax-Aide received $1.3 billion in income tax refunds and more than $212 million in Earned Income Tax Credits (EITCs). They also avoided tax preparation fees and pitches for high-interest tax credit or refund loans. To ﬁnd an AARP Foundation Tax-Aide site or more information, including which documents to bring to the tax site, visit aarp.org/money/ taxes/aarp_taxaide/ or call 1-888-AARPNOW (1-888-2277669). AARP Foundation TaxAide is offered in conjunction with the IRS.

If you go...

WINDSOR REC CENTER

250 11th St., Windsor (970) 674-3500 Monday-Tuesday, 8:30 a.m.- 3 p.m.; By Appointment ONLY

COUNCIL TREE COVENANT CHURCH 4825 S. Lemay Ave. Fort Collins (970) 670-0220 Monday-Tuesday, 9 a.m.- 3 p.m.; See aarp.org for a full list of necessary documents and locations. About AARP Foundation

AARP Foundation works to end senior poverty by helping vulnerable older adults build economic pportunity and social connections. As AARP’s charitable afﬁliate, we serve AARP members and nonmembers alike. Bolstered by vigorous legal advocacy, we spark bold, innovative solutions that foster resilience, strengthen communities and restore hope. To learn more visit aarp.org/ aarp-foundation/ February 24,2019

RETIREMENT PLANNING:

Financial Management

How ‘life’ gets in the way and how to overcome the obstacles (BPT) - If you’re like many Americans, retirement planning may not be high on your “todo” list. When life is busy and you’re shouldering the burden of looking out for yourself and your family, setting up a retirement plan can slide down the priority list - especially if you’re hoping it will somehow be easier in a year, two or more. But if you look at the root causes of inertia behind retirement planning, it’s clear how the effects from your behavior can be significant. Below are some insights to help you get on track and better understand the kinds of behaviors that can get in the way of planning for your financial future.

Put simply, it’s overwhelming. Saving for retirement can feel openended and ambiguous, in large part because it’s difficult to predict just how much you’ll need. Adding to the stress are many hard-to-anticipate variables, including how long you will live and healthcare needs. The good news is there are on-line calculators that can assist you in determining what your future needs may entail.

We can’t see our “future selves.” Researchers have found that people struggle to identify with their future selves, according to a study published in the Journal of Marketing Research. It’s not just young people who have difficulty imagining how long they’ll live in retirement - older Americans also often underestimate how long their retirement nest egg will have to last. Increased life expectancy means we may live 20 or 30 years - or even longer - in retirement. The February 24,2019

good news is that companies like Prudential Retirement now offer interactive games like an Aging App to help people better understand how the decisions they make today could influence their futures.

We procrastinate planning for retirement. Research shows that for many people, procrastination plays a big role in hindering retirement planning. On average, we spend two hours a day procrastinating. In our busy lives, it’s often easier to daydream about our future than it is to spend time planning for it. The good news is that if you haven’t begun saving for retirement, it’s never too late to begin. Try taking a small step forward and consider setting aside 1 percent of your paycheck for a retirement account. Or, if you already have a retirement account but you’re saving very little, increase your contribution by 1 percent.

get in the way of retirement planning,” says Harry Dalessio, head of full service solutions at Prudential Retirement. “Today, many employers have products and solutions to assist with student loan debt and that help employees set aside money for emergencies. Financial counselors are now available in many companies to discuss approaches to help get employees on the right path,” Dalessio said. In addition, important innovations, such as automatic enrollment, where new employees are automatically enrolled in their company’s retirement plan, have led in many cases to plan participation exceeding 90 percent. Also, simplified products such as target date funds are

making it easier for investors to benefit from savings products that are appropriate for each worker’s age and goals. Finally, innovations, such as the ability to use mobile devices and gamification tools, make it even easier to stay engaged. “Even with these innovations, there is still ample opportunity to think bigger, and make retirement planning more accessible to employees,” says Dalessio. The bottom line is that it’s easy to underestimate the importance of retirement planning. The good news is that with more tools and innovation, people may be better able to achieve the financial future they hope for as they grow older.

Budgetary pressures. Families have other future needs to plan for, such as their kids’ college education or saving for a down payment for a home. Add in the immediate need to cover day-to-day expenses, and it always feels like it’s “the wrong time” to save for retirement. The good news is that there is a great deal of information available online to help with retirement planning. Take time to educate yourself and become familiar with the various tools that are available.

The push to make retirement planning easier

“It turns out that many financial companies and employers are acknowledging the psychological barriers that can

Let us help you work toward your retirement dreams!

Kevin Dunnigan CFP®, MBA

Natalie Shamley LPL Investment Advisor Representative

300 East 29th Street (in the Guaranty Bank and Trust Building) Loveland, CO 80538 Toll Free (877) 622-5591

Please contact Kevin Dunnigan or Natalie Shamley today. Securities offered through LPL Financial, member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates. Appointments are FREE and the coffee is on us. Investment Center Advisor Group (ICAG) is not affiliated with National

(970) 622-2366

www.HelpWithMyInvestments.com

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Planning Holdings, Inc. or with Investment Centers of America, Inc.

Not FDIC Insured | Not Bank Guaranteed | May Lose Value Not Insured by any Federal Government Agency Not a Bank Deposit

RETIREMENT GUIDE

Health

BOOT CAMP AFTER 60

10 steps to turn around unhealthy habits lots of meditation programs you can download on your phone and listen to for even 10 minutes, said Rosenblatt.

5. Practice resistance training.

Here are 10 steps to follow to get back in shape - especially if you’re over 60. (Ruslan Guzov/Dreamstime/TNS)

By Bruce Horovitz Kaiser Health News (TNS) It takes moxie to flip an unhealthy lifestyle to a healthy one — particularly for folks 60 and older. Most baby boomers approach retirement age unwilling to follow basic healthy lifestyle goals established by the American Heart Association, said Dr. Dana King, professor and chairman of the department of family medicine at West Virginia University, referencing his university’s 2017 study comparing the healthy lifestyle rates of retired late-middle-aged adults with rates among those still working. Kaiser Health News interviewed three other prominent experts on aging and health about how seniors can find the will to adopt healthier habits. “People do financial planning for retirement, but what about retirement health planning?” King said. Motivated seniors can begin by following KHN’s 10-step program:

1. Buy great sneakers.

Purchase a pair of top-quality sneakers speciﬁcally designed for 6 RETIREMENT GUIDE

walking, said Carolyn Rosenblatt, founder of AgingParents. com, who started participating in triathlons at age 63 and continues to do them at age 70. Start by walking around the block. Expand that to 30-minute walks at least three times weekly — or set a goal to increase your walking distance 10 percent each week. And leave your sneakers by the front door.

2. Practice your balance.

The best way to avoid falls is to retain a good sense of balance, said Rosenblatt. Practice standing on one leg with your eyes closed for at least 30 seconds.

3. Improve your breakfast.

Stop eating the sweet roll with coffee. Consider substituting a home-blended smoothie with a banana, seasonal fruits, almond milk and protein powder or a protein patty without sugar. And cut out excess sugar in all your meals, said Rosenblatt. Replace soda with seltzer water.

4. De-stress wisely.

Find ways to manage your stress that don’t involve food, alcohol or smoking. There are

To keep your muscle mass from disappearing, do resistance training by lifting dumbbells or barbells or using weight machines, said Kay Van Norman, owner of Brilliant Aging, a consulting ﬁrm for healthier aging. “Your muscles are amazing, but if you don’t use them, you lose them,” she said.

6. Hit the floor.

Aging adults need to regularly practice getting down on the ﬂoor and standing back up again. “If you don’t get down on the ﬂoor and back up, you won’t be able to do it after a while,” said Van Norman.

7. Challenge your speed.

While it might not seem as if folks over 60 need to worry about exercise that involves speed and intensity, they do, said Van Norman. “Most people don’t even think about speed in order to stay healthy. But tennis players are doing that all the time. You need to do something to challenge your speed, not just your power.” That’s why sports like tennis can be terriﬁc as you age, she said.

8. Believe in yourself.

Faced with self-doubt and depression after several tragic, challenging events, Sharon Sultan Cutler, 71, turned to therapy to help her feel better about herself. “The ﬁrst person you have to believe in is yourself,” said Sultan Cutler, an author. “People like to be around other people who believe in themselves.”

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9. Tackle a project.

Pick a project that has meaning to you. Sultan Cutler opted to co-author (with two other writers) her ﬁrst book, “Bandstand Diaries: The Philadelphia Years, 1956-1963,” an inside look at her once favorite TV show, Dick Clark’s “American Bandstand.” Never mind that she’d never written a book before. Now she’s on her third book, “Your New You After 65: Valuable Advice to Inspire Your Awesome Aging.” “It’s like having a daydream that you can actually make happen,” she said.

10. Embrace self-improvement.

Some call this lifelong learning. Living a healthier lifestyle requires constant learning and self-improvement, said Sultan Cutler. Seek out local learning resources like community colleges, where classes are often steeply discounted for seniors, she said. “Self-improvement isn’t just physical. It’s mental, too.” ——— Kaiser Health News (KHN) is a national health policy news service. It is an editorially independent program of the Henry J. Kaiser Family Foundation which is not afﬁliated with Kaiser Permanente.

Staying active is beneficial to continued life balance. If you think you’re interested in a workout or exercise activities, visit the Chilson Senior Center.

CHILSON SENIOR CENTER 700 E. 4th St., Loveland (970) 962.2783 February 24,2019

Health

VOLUNTEERING

Helps Keep Seniors Healthy, New Study Suggests Older adults show reduced depression and loneliness, increased life satisfaction after serving as Foster Grandparent or Senior Companion PRNewswire—A new independent report that provides evidence that consistent volunteering can improve the health and well-being of people age 55 and older was released by the Corporation for National and Community Service (CNCS), the federal agency responsible for the nation’s volunteer and service efforts. The research examined how participation in national service contributes to changes in the health and well-being of Senior Corps volunteers in the Senior Companion and Foster Grandparent programs. Senior Companions help home-bound

seniors maintain independence and Foster Grandparents mentor young children in need. “I’m thrilled with the release of this independent study because it confirms what we have long believed to be true: Senior Corps volunteers are not only improving the lives of others, they are also improving their own,” said Deborah Cox-Roush, director of Senior Corps. “These volunteers are feeling healthier and less depressed. What’s also exciting is they say they feel less socially isolated, which we

know has important health benefits. Along the way, Senior Corps volunteers found a sense of accomplishment, opportunities for personal growth, and chances to form meaningful relationships.” According to the research, Senior Corps volunteers report much higher self-rated health scores (84 percent), which is considered a valid marker of actual health, compared to older adults in similar circumstances who do not volunteer. They also reported feeling significantly less depressed and

isolated (78 percent) compared to non-volunteers. The companion study determined that caregivers found the assistance of Senior Companions beneficial (76 percent) and for some, the respite provided by a volunteer even improved their health (40 percent). “Our Senior Corps volunteers have a decades-long history of setting examples for all of us to follow by serving our friends and neighbors,” said Barbara Stewart, CEO of the Corporation for National and Community Service, the federal agency that administers the Senior Corps program. “These 220,000 men and women provide vital support to Americans, both young and young-at-heart, and reap health benefits in return. We are grateful for the generosity of our super seniors and their commitment to making a difference in their communities.” More information on this research and Senior Corps programs is available at seniorcorps.gov/healthyvolunteers. SOURCE Corporation for National and Community Service

Can you hear them?

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February 24,2019

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Hearing HealthCare Centers 2902 Ginnala Dr., #3 Loveland, CO 80538

(970) 624-0407

www.HearingHealthcareCenters.com RETIREMENT GUIDE

Pets

POUDRE PET & FEED SUPPLY

Provides Nutrition, Health and Wellness for your Pets

Maybe you’ve heard of them. They are Poudre Pet & Feed Supply, a local independent pet retailer business that started in Fort Collins. They were established in 1988 by Karen Horak and Karen Morris, and back then they we were just a small feed store located on Howes St. Since then they have moved off Howes St. and expanded their business to four locations in Fort Collins, one in Loveland,

and one on Main St. in Windsor. Even though you’ve probably heard of them, I bet you don’t know everything they carry. Most of their products are now mainly focused on cats and dogs, but they also offer a variety of different feeds such as chicken feed, horse feed, small mammal, reptile, wild and domestic bird, and so many more. They also carry a variety of grains and seeds like cracked corn, steam crimped oats, wheat mill, milo, black oil sunflower among many others. Above all, they want to find you what you need so if you don’t see it in stock, they will try and get it for you.

What makes them so different?

Their dedication to nutrition. No dog or cat are the same as any other, and they know that one food that may work for one dog may not necessarily work for yours. Their staff does continuous training sessions on food options and more so that they are always equipped to answer questions and help you find the perfect fit food for your pet.

Did I mention that everyone on their team loves animals?

It’s a safe bet to say that everyone at Poudre Pet & Feed Supply has a deep love for animals. They understand the difference nutrition can make in your pet, and they love hearing your stories of when their

products have helped solve a problem. They also offer a variety of feeder programs with many of their foods enabling customers to earn a free bag of food after buying a set number of that same brand. It’s a great program and it’s a great feeling walking out of our store with a free bag of food.

What people don’t know about them?

They deliver— it’s the one thing that customers don’t take advantage of. They offer free delivery on Thursdays with a qualifying purchase. If you know what you’re looking for and don’t have time to make it into one of their locations, they will deliver it to your door.

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8 RetiRement guide

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February 24,2019

LIFE CARE CENTER AND THE BRIDGE:

Senior Living

Superior Senior Living Care in Northern Colorado

By Katie Feindel for Reporter-Herald

Senior care is more important than ever now. According to The Population Reference Bureau, “The number of Americans ages 65 and older is projected to more than double from 46 million today to over 98 million by 2060, and the 65-and-older age group’s share of the total population will rise to nearly 24 percent from 15 percent.” Senior living communities play a vital role in ensuring that these important members of society are cared for in every way. Joleen McGee, Director of Admissions and Marketing at Life Care Center (LCC), thinks very highly of her enriching experience with the rehab, postoperative, and long-term care patients and the blessing it is to serve them daily. “We meet them on their worst days and we help them through...and get them back on their feet.” All patients are met with a remarkable staff, like Joleen, offering quality care. Life Care Center offers top notch services and amenities to all patients. This 24-hour care facility houses 149 beds, with 120 long term care and the reFebruary 24,2019

mainder devoted to rehab. In addition to the comfortable accommodations, there are a wide array of in-house activities as well as fun outings available. There are even more reasons to choose LCC. There is a salon and barber shop on-site, computer access with internet for staying in touch. Courtyards with breathtaking views and day rooms offer spaces for gathering with other residents and guests, and often hold fun social events. A restaurant-style family dining room lets residents and guests enjoy meals together and follow up with a visit to their own ice cream parlor, and much more. Chaplain visits are available to all patients as well. Modernized and top-notch medical services are another reason to choose LCC. They house the technologically advanced and sought after AlterG® Anti-Gravity Treadmill®. Biofeedback therapy, Alzheimer’s-specific care, amputee rehab, and aphasia therapy are provided as well. They also offer a wide variety of treatments for diabetes. To top it off there is an on-site physician available to all residents. Visit Life Care Center’s website, lifecarecenteroflongmont.com, to find out about more of the services offered. The staff at LCC makes service a number one priority.

Most of the staff have been there long-term and there is a commitment to wellbeing of each patient. McGee spoke about her love for her job and the patients, “Being that person that makes a difference in their life, helping them get through...It’s a blessing to make all those friends. At the end of the day, if you put a smile on even one person’s face, you’ve done a good job.” Affiliated with Life Care Center is The Bridge at Longmont, an assisted living community. The staff and facility at The Bridge are supportive of independent, resort-style living. All services and amenities are personalized to meet each resident’s needs and comfort-level. With stunning views and gorgeous grounds, residents find themselves enjoying an enhanced Colorado lifestyle. Off-campus, residents can continue to enjoy convenient shopping, dining and entertainment options. As well as the beauty of local parks and trails. On campus, The Bridge offers a full calendar year of fun, stimulating social and recreational activities, such as games, arts and crafts, and spiritual groups. There are even a wide variety of exercise classes created with seniors in mind. And, come enjoy some good old-fashioned poker games! There are always holiday celebrations that brighten everyone’s day. Staying social is so important and the staff make it a top priority to ensure residents have plenty of opportunities to engage with others. And, what better way to socialize in style than with restaurant-style dining and a visit to the on-

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campus hair salon! Another nice thing about living at The Bridge private residences, is that residents don’t have to worry about chores like laundry and housekeeping! And, although residents are encouraged to be independent, medication management is provided as is a 24-hour emergency response system. Scheduled transportation for shopping and other errands is another convenience offered to all residents. If need be, The Bridge also offers help with daily living care, such as bathing and dressing. With Life Care Center as a sister facility, transitioning to skilled-nursing care or rehab is as seamless as it can be for both residents and caregivers. The Bridge at Longmont and Life Care Center of Longmont senior living facilities are proud to offer a professional and caring staff to all. Their commitment to excellence is second to none, working to make life as hassle-free and rewarding as possible. Go to their website today and check out all they have to offer, centurypa.com/ senior-living/bridge-longmont/ assisted-living. Senior living can be comfortable, enriching, and fun! It is important in the later years of life to be cared for and nurtured in all aspects. Life Care Center and The Bridge can do just that. So call them today and make your appointment to tour and see how you can join their team of professionals and well-rounded community. If you are ready to consider a move to a facility home lifestyle or just need a change of pace and setting in a new facility, take that step and visit or call today. RETIREMENT GUIDE

Senior Living

GOOD SAMARITAN – LOVELAND VILLAGE plans an expansion to house even more active seniors

Misty Kaiser for Reporter-Herald Retirement Guide

From its beautifully landscaped 50-acre campus, Good Samaritan Society Loveland Village enjoys a remarkable view of the majestic Rocky Mountains. This well-established retirement community is home to 400 residents ages 55 and older and provides a full range of housing options, depending on your lifestyle. And this year—the year after they celebrated their 45th anniversary in Loveland—Good Samaritan Society Loveland Village is growing. A recent purchase of 25 acres just north of the current community will hold up to 47 new “twin homes” for 94 total residences. Currently, Good Samaritan Loveland Village boasts 103 apartments, 104 skilled-nursing beds, 60 assisted-living units and 80 twin-home units, plus the planned 47 new units. The new twin-homes will have four size options ranging from around 1,200 to 1,800 square feet and will be designed with an aging in place mindfulness. Like the other twin-homes amenities include on-site security, landscape maintenance, a 24-hour emergency call system, twice-monthly housekeeping, most utilities and transportation within city limits. The proximity of the new additions to the existing 50-acre campus means that all residents will have access to the community that Good Samaritan has spent all of those 45 years carefully and thoughtfully building, including the new Town Center and refurbished Wellness Center.

Talk of the Town Center Growth is nothing new to

10 RETIREMENT GUIDE

Good Samaritan. Last year they completed a 10,800-squarefoot Town Center “streetscape” where residents now enjoy easy access to a general store, café, library, and game room. It also offers casual gathering spaces where friends and families can connect and relax. With plush cozy seating, there’s plenty of room to sprawl out on the couch or curl up next to the fireplace and read a book. This kind of ambiance gives it a warm welcoming vibe. Water dates back in history as one of the most healing elements when it comes to soothing the soul and enhancing health. At the newly remodeled Wellness Center, pool upgrades have enabled residents to take an exercise class or just grab the goggles and go for a free swim. “We provide a variety of classes and programs in and out of the water. We have certified fitness instructors, plus water aerobics, tai chi, and balance classes,” says Holly Turner, director of senior living at Good Samaritan Society Loveland Village. After taking a fitness class, residents are invited to melt away the stress of the day at the on-site day spa while sipping a fresh squeezed something from the juice bar. Turner points out, the town and wellness centers both create a sense of community because of all the spaces where people can relax and feel like they’re at home. She said the warm inviting design makes it easy to meet with friends and family.

Get Smart at the Library

People can visit the library or meet a friend for coffee in the 1,500 square foot space that’s run by Diane, a retired librar-

ian. On any given day, you will notice people quietly reading a book by the fireplace as they sink into the comfy chairs or surfing the internet on one of the computers. Want to exercise your brain? Then sign up for class. “The last class was a twelve week course discovering the majestic cultures and astonishing history of the Middle East, looking beyond the headlines in order to understand this region,” says Turner.

Housing to Fit Any Senior Lifestyle

Residents at Good Samaritan Society Loveland Village are also able to choose from assisted living, in dependent apartments, or duplexes. The assisted living option offers services like medication assistance, getting dressed and full meal preparation. They also have 24-hour access to on-site nursing staff. Loveland Village has 104 skilled nursing beds, including 14 memory-care rooms, and 60 assisted-living units. “We provide housekeeping and laundry services for our assisted living residents and help them make doctor’s appointments, among other in-home care services” says Turner. Apartments and duplex-style twin-homes, like those planned for the new expansion, cater to more active independent residents who enjoy the social benefits of living in a retirement community. Good Samaritan Society Loveland Village currently has 103 apartments in three buildings and 80 twin homes with 47 additional twin-homes being planned. All apartment and twin-home options have amenities that make it easier for residents to age

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in place, so once they move in they can plan on staying put for awhile. “Residents in our twin homes and apartments receive housekeeping and maintenance services which includes fixing leaky faucets, yard maintenance, and snow removal,” says Turner. All residents receive transportation services so they can plan a day of shopping or visit their doctor’s office. Plus, the dining room is open to all residents whether they live in twin homes and apartments or assisted living. “We encourage all residents to share a few meals in our dining room while soaking up scenic views of the majestic rocky of mountains,” says Turner. With a long list of activities and social outings, residents have no time to get bored at Loveland Village. Whether you want to catch a movie, listen to a concert or take in the sights at one of the local museums, Turner says residents have access to many activities.

For more information

Visit Good Samaritan Society – Loveland Village at 2101 S. Garfield Ave. in Loveland. Call (800) 524-8439 or (970) 6693100 to schedule your personal tour and complimentary lunch.

T he timeline...

Good Samaritan is expecting the city’s approval process and infrastructure development for the new constructions to take up to 18 months, with the first duplex completed in early 2021. February 24,2019

Senior Living

THE VILLAGE COOPERATIVE OF LOVELAND provides community ownership to residents “The people really make the cooperative their own and each has its own personality.”

Emma Castleberry for ReporterHerald Retirement Guide

Home owners have to take the good with the bad. There are a myriad of financial benefits to property ownership, but that also means bills, repairs, maintenance and a number of other unpleasant surprises. And as we age, these hassles become more draining. But seniors now have a new option that allows them to reap the financial rewards of home ownership, as well as the joy of a vibrant community, without all the difficulty: The Village Cooperative of Loveland. “The Village Cooperative provides active adults (55+) a new housing option that offers them home ownership—and all the financial and tax benefits that go with it—without any of the headaches of maintenance, repairs or repair bills,” says Steve Von Schmidt, Marketing Director for The Village Cooperative. “Finally, there is a housing option for seniors and retirees that is affordable and yet has all the amenities they want in their next home.” The Village Cooperative is a nation-wide network of senior cooperative housing communities, sometimes called “co-ops.” “While it’s not a new concept, it is new to ColoFebruary 24,2019

rado,” says Von Schmidt. “In fact, senior cooperatives have been around for over 40 years, primarily found throughout the Midwest.” Real Estate Equities Development, LLC, the development company behind the Village Cooperatives, has been pioneering cooperative housing communities since 1972. There are two primary costs associated with cooperative living: the equity share purchase, which is a one-time payment based on the size of your home, and the monthly fee for operating expenses. Upon purchase of a dwelling, each individual within the community owns an equity share through a Cooperative Corporation. The value of this equity share will increase in a predictable way, appreciating at about 3 percent for every year that members live at The Village Cooperative. “The fact that the equity comes back to me and my family with a 3 percent equity annual increase, and the monthly payment includes all maintenance costs for much less than a local apartment’s rent, makes this a no-brainer,” says Village Cooperative member Teddy Wright. “Additionally, the social aspect is very important to me and I have already met other members who I know are going to be good friends. I can’t wait to move in!” Von Schmidt adds that the sense of community created

extends well beyond one’s specific neighborhood. “In fact, we have members that communicate and have developed relationships with members in other cooperatives,” he says. Loveland, with its smalltown feel and active culture, made a natural choice for a Village Cooperative location. “When we look to develop a new housing community for active adults, we carefully select the area using a whole host of data points,” says Von Schmidt. “But these communities don’t serve data points, they serve real people. That is why we are so excited about our Village Cooperative community that is coming soon to Loveland. It is an opportunity for residents in the area to stay close to friends and family in a fantastic location and still be active in the Loveland community.” The Village Cooperative of Loveland will feature 58 homes available in a variety of spacious designs, from one bedroom/one bathroom to two bedroom, two bathroom homes, some with dens. “Those who reserve early can choose their home’s interior finishes to suit their personal tastes,” says Von Schmidt. Each unit is equipped with a washer and dryer, in-home storage, walk-in closets and individually-controlled HVAC systems. Starting at about 875 square feet, the units are carefully laid out in a secure, three story building that includes a number of amenities for

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residents, such as a club room, reading areas, workshop space, a guest suite and exterior garden plots. The heated underground parking deck even features a car wash bay. For active travelers or those who choose to live elsewhere part of the year, The Village Cooperative offers comprehensive “while you’re away” services. While these amenities contribute to the convenience and ease of cooperative living, it is your neighbors that will bring joy to life at The Village Cooperative. “The people really make the cooperative their own and each has its own personality,” says Von Schmidt. “It’s different from other senior housing because it provides all the amenities for a fraction of the price of a ranch or patio home in the area. It’s better than a condo because the resident members own a share in the entire development and with that ownership comes a sense of pride and commitment not seen in condos or townhomes, where residents don’t engage with each other as much and have little or no say in how the property is managed.” Construction will begin soon on The Village Cooperative of Loveland, so now is the time to reserve your unit in this active new senior housing community. “With 33 locations either operating, under construction or planned for construction in the coming year—including seven locations in Colorado— we are a national leader and believe this is the best option available with all the amenities and at such a great value,” says Von Schmidt. For more information, visit VillageCooperative.com. RETIREMENT GUIDE

2019 Senior Resource Guide Whether you need assistance, or just want to find a place to socialize, Loveland area businesses and services are here to help. On the next few pages, you’ll find a convenient quick-guide to help you navigate the unique needs of being a Colorado Senior. ASSISTANCE

Colorado VITA (Volunteer Income Tax Assistance) and TCE (Tax Counseling for the Elderly)

VITA and TCE provide free, conﬁdential and secure preparation and e-ﬁling of income taxes for taxpayers who qualify. LOCATIONS NEAR YOU All sites are independently operated; please check your local sites for their hours and dates. VITA First United Methodist Church: 533 N. Grant Ave., Loveland

Aims Community College: 104 E. 4th St., Room 108 Loveland House of Neighborly Ser vice Life Center: 1511 East 11th St., Loveland AARP TAX AIDE Windsor Rec Center, 250 11th St., Windsor (970) 674-3500 Some sites require an appointment, some do not, for more information visit coloradovita. org.

Food Bank for Larimer County

The Senior Meal Program offers a congregate meal for seniors

age 60+. Through the Food Share program, they also distribute food . Visit foodbanklarimer.org/featured/senior-mealprogram/ for a list of locations and other information. FORT COLLINS BUSINESS OFFICE & FOOD SHARE: 1301 Blue Spruce Dr., Fort Collins LOVELAND FOOD SHARE 2600 N. Lincoln Ave., Loveland

House of Neighborly Service (HNS)

HNS provides life-sustaining emergency and basic needs such as: • Food baskets • Prescription assistance

See all that you can

Kirk Eye Center

ACCEPTING

NEW

PATIENTS!

Three GREAT Reasons to Choose Us

• Clothing and household items • Utility assistance • Gas vouchers and bus tokens for conformable medical or job related appointments • Holiday programs • Education: ﬁnancial, parenting, cooking • Help ﬁnding homeless adult and family shelter solutions Visit honservice.org for more information.

Dr. Dustin Asay, Dr. John D. Kirk, and Dr. John Colvin at Kirk Eye Center Common Eye Condition Treatments: Cataract Care • Glaucoma • Diabetic Retinopathy Retinal Disease • Macular Degeneration • Dry Eye Specialized contact lens fittings

On-Site Surgery Center for Great Patient Care and Convenience 3650 East 15th Street Loveland, Colorado

669-1107

KirkEyeCenter.com • Facebook.com/KECLoveland 12 RETIREMENT GUIDE

LOVELAND Main Office (in the Life Center) 1511 East 11th St., Ste. 100 Loveland, 970) 667-4939 ANGEL HOUSE 1511 E. 11th St., Ste. 200 (in the Life Center), Loveland (970) 663-1716 137 HOMELESS CONNECTION 137 S. Lincoln, Loveland (970) 685-4173 BERTHOUD OFFICE 375 Meadowlark Drive, Berthoud

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(970) 532-0161

Larimer County Human Services

The Department of Human Services provides services including ﬁnancial assistance for shelter, food, energy costs and medical care. 200 Peridot Ave., Loveland (970) 679-4451 larimer.org/humanservices

The Larimer County Office on Aging (LCOA)

LCOA provides assistance to Larimer County residents 60 and older, helping coordinate services such as meals, transportation, legal assistance and more, both directly and through community partner agencies. Visit larimer. org/humanservices/aging/ooa Community Partners include: • Aging and Disability Resources for Colorado (ADRC) Provides information, counseling, and assistance with Long Term Care Medicaid applications. (970) 498-7750 • Chore Voucher Program Provides funding for low-income seniors to pay someone to help them do heavy household chores. (970) 498-7750 • Family Caregiver Support Provides guidance, support, and assistance to caregivers for someone 60 years of age or older in the home. (970) 498-7758 • In-Home Ser vices Voucher Program Provides light housekeeping or some personal care to lowincome seniors to help them stay in their home. (970) 498-7750 February 24,2019

• Long Term Care Ombudsman An advocate for residents of nursing facilities and assisted living residences. (970) 498-7754 • Options for Long Term Care (OLTC) OLTC provides support to people with disabilities and limited ﬁnances helping them to live in their own homes or other alternatives to nursing home care. • Senior Property Tax Work-Off Program Allows seniors to temporarily work to reduce their property tax bill. The maximum amount of assistance per household is $400. (970) 498-6360 or (970) 498-6311 LCOA also provides classes for seniors and their caregivers. For a complete list of services, classes and other resources visit larimer.org/seniors/. Larimer County Office on Aging Department of Human Ser vices

2601 Midpoint Dr., Suite 112 Fort Collins, (970) 498-7750

Low Income Energy Assistance Program (LEAP)

LEAP is designed to help with heating costs. Applications may be submitted through April 30 if you meet eligibility criteria. To request an application, or for additional information, call or visit colorado.gov/cdhs/LEAP or call 1-866-432-8435.

Meals on Wheels

Meals on Wheels provides meals to housebound clients as well as to the homeless and those with low-income. Visit lovelandmealsonwheels.org for eligibility criteria. Meals for clients 60 and older are meals subsidized based on income. No senior is denied service based on an inability to pay. 437 Gar field Ave., Loveland (970) 667-0311 lovelandmealsonwheels.org

Neighbor to Neighbor

A primary resource for assisting Larimer County residents, with services from homelessness prevention to homeownership. 1511 E. 11th St., Loveland (970) 663-4163, n2n.org

Salvation Army

The Salvation Army provides: Rent assistance, meals, clothing, disaster relief, prescriptions and glasses, transportation assistance, and emergency lodging among other services. 840 N. Lincoln Ave., Loveland (970) 699-8380 salvationarmyloveland.org

Social Security Administration

Apply for retirement or disability beneﬁts, get more information about Supplemental Security Income, or enroll in Medicare at the local Social Security ofﬁce or visit ssa.gov. 301 S. Howes St., #4 Fort Collins (866) 336-7385, ssa.gov

National Social Security Hot Line: 1-800-772-1213

United Way of Larimer County

Helping the local community by bringing together resources, providing educational assistance programs and connecting people with food and shelter. 424 Pine St., Ste 102, Fort Collins, office@uwaylc.org (970) 407-7000, uwaylc.org

United Way 2-1-1

Dial 2-1-1 for community service assistance such as: • Aging services • Disaster recovery • Donation referrals • Food, housing and utility assistance • Free tax preparation • Health and medical needs • Legal assistance 2-1-1 is for nonemergency assistance ONLY. The 2-1-1 smart phone app is also available for download on uwaylc.org/Get-Help.

622 N. College Ave. Fort Collins, CO 80524 6204 S. College Ave. Fort Collins, CO 80525 2601 S. Lemay Ave. Unit 18 Fort Collins, CO 80525 2100 W. Drake Rd. Unit 6 Fort Collins, CO 80526 516 Main St. Windsor, CO 80550 2400 N. Lincoln Ave. Loveland, CO 80538 February 24,2019

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RETIREMENT GUIDE

Community ResouRCes Loveland Reporter Herald Stay on top of the news in your community with the ReporterHerald. (970) 669-5050 reporterherald.com

Loveland Magazine

Cover-to-cover entertainment, food, business and events that make Loveland an outstanding place to live. (970) 669-5050 lovelandmag.com

Chilson Senior Center

The Chilson Senior Center offers a friendly atmosphere for recreation, classes, and socializing. 700 e. 4th St., Loveland (970) 962-2783 cityofloveland.org/departments/ parks-recreation/chilson-seniorcenter

Automotive CARe Hail Claims Experts

Paintless Dent Repair for hail damage to your vehicle with personalize service that goes above and beyond. See page 3 for more information. 200 Southwest 12th St., Suite 114, Loveland, 720.787.8051

FinAnCiAl seRviCes

Investment Center Advisor Group Investment Center Advisor Group is a full service financial advisor. See page 4 for more information. 300 e 29th St, Loveland (970) 622-2366, helpwithmyinvestments.com

HeARing HeAltH Hearing Healthcare Centers

Offering comprehensive hearing health services including hearing tests, tinnitus treatments, and more. 2902 ginnala dr #3, Loveland, (970) 593-1509, hearinghealthcarecenters.com

14 RetiRement guide

loCAl AutHoRity pHone numbeRs

FOR ALL EMERGENCIES, CALL 911

Berthoud Police Department

970-532-2611

Fort Collins Police Department 970-221-6540

Larimer County Sheriff 970-498-5100

Loveland Police Department

970-667-2151

Loveland Fire Rescue Authority

(970) 962-2471 cityofloveland.org/departments/ fire-rescue

mediCAl seRviCes McKee Medical Center

2000 n. Boise Ave., Loveland (970) 820-4640 bannerhealth.com/locations/ loveland/mckee-medical-center

Medical Center of the Rockies — UCHealth

2500 Rocky mountain Ave., Loveland, (970) 624-2500 uchealth.org/locations/uchealthmedical-center-of-the-rockies/

mediCARe & mediCAid inFoRmAtion Medicare Helpline 1-800-mediCARe 800-633-4227, medicare.gov

Larimer County Human Services

200 Peridot Avenue, Loveland (970) 498-6300

Medicaid - Regional Office

Region eight - denver (303) 844-0634; medicaid.gov

pet & AnimAl Larimer Humane Society(LHS) Protecting, sheltering and caring for stray, lost or abandoned animals. LHS also provides animal control services. 3501 e 71st Street, Loveland (970) 226-3647 larimerhumane.org

Poudre Pet & Feed Supply

First in animal care and nutrition, with additional locations in Windsor and Fort Collins. See page 8 for more information. 2400 n Lincoln Ave, Loveland, (970) 800-3967, poudrefeed.com

senioR Housing Good Samaritan Society Loveland Village

Good Sam provides a full range of housing and healthcare services for those 55 and older. See page 10 for more information. 2101 S garfield Ave, Loveland, (970) 669-3100, good-sam.com/ loveland

Life Care Center of Longmont A nursing home with an emphasis on inpatient and outpatient rehab and therapy with 24-hour skilled nursing care. See page 9 for more information. 2451 Pratt St., Longmont (303) 776-5000 ifecarecenteroflongmont.com

The Bridge at Longmont

An assisted living community serving seniors with seamless care in private residences. See page 9 for more information. 2444 Pratt Street, Longmont (303) 774-8255 centurypa.com/senior-living/ bridge-longmont

Village Cooperative

Residents at Village Cooperative own not just a place to live, but also a piece of their community. This unique senior living option supports members active and vibrant lifestyles. See page 11 for more information. 1678 topaz drive, Loveland (970) 699-5454 loveland@reedevelopment.com

skin CARe Lake Loveland Dermatology

Board-certiﬁed Dermatologists provide care for everything from minor skin conditions to skin cancer. 776 W. eisenhower Blvd.,

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Loveland, (970) 667-3116 lakelovelanddermatology.com

tRAnspoRtAtion City of Loveland Transit

Fixed route bus service, plus Paratransit Service door-to-door for those over the age of 60, and for those with physical or mental disabilities. transit Office: 105 W. 5th St., Loveland, (970) 962-2700 cityofloveland.org/departments/ public-works/transit-colt

Berthoud Area Transportation Service (BATS)

BATS provides door-to-door intown transportation, as well as to Loveland and Longmont. Riders age 60 and over ride for free, but donations are encouraged. Rides must be scheduled. For a schedule of times, service areas and other information visit the BATS website. (970) 344-5816, berthoud.org/ departments/berthoud-areatransportation-system-bats

SAINT Volunteer Transportation

SAINT serves people 60 and older or 18 to 60 with disabilities. SAINT operates 8:15 a.m.-4 p.m. Monday-Friday and riders must make reservations at least three business days in advance. Loveland Scheduler: (970) 223-8653 Fort Collins Scheduler: (970) 223-8645 saintvolunteertransportation.org

vision CARe Kirk Eye Center

The full gamut of technologically advanced vision care for all ages in a beautiful modern facility. 3650 e 15th St, Loveland, (970) 669-1107, kirkeyecenter.com ————————————— To be included in next year’s Resource Guide, please call 970635-3614.

February 24,2019

Care and Comfort for every stage

Experience what quality living is all about with our premier assisted living services, compassionate skilled nursing care, and personalized short-term therapy.

303.776.5000

303.774.8255

2451 Pratt Street LifeCareCenterofLongmont.com

2444 Pratt Street TheBridgeAtLongmont.com

Call today to schedule your personal tour. February 24,2019

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RETIREMENT GUIDE

2018

16 RETIREMENT GUIDE

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February 24,2019