Senior Review June 25, 2014

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Senior Review Highlights of the 2014 Senior Connections Conference and more

A Special Supplement to the Payson Roundup

June 25, 2014


2 | SENIOR REVIEW • JUNE 25, 2014

Welcome to the Senior Review BY TERESA MCQUERREY RIM REVIEW EDITOR

This edition of the Payson Roundup’s Senior Review focuses on the highlights of the most recent Senior Connections Conference. In addition to the conference stories, there will be items on the latest information about the Affordable Care Act and discounts to make fixed income funds go further. The June 20 Senior Connections Conference, held at the Mazatzal Hotel & Casino event center, sponsored by the PinalGila Council for Senior Citizens Area Agency on Aging, provided information on legal and financial planning for seniors; creating meaningful activities for loved ones with limited physical ability and, sometimes, memory; and caring for the caregivers of the ill and aging. The stories in this special edition will share the information provided by the experts participating in the conference. Sponsors of the conference, in addition to PGCSC, included Cenpatico Behavioral Health of Arizona, the Eastern Arizona Area Health Education Center and the Rim Country Coalition Connecting Seniors in the Rim Country. The Arizona Department of Economic Security, Division of Aging and Adult Services and the Older Americans Act also provided funding.

LOCAL RESOURCES

With a senior population estimated at about 40 percent, the Rim Country has a variety of resources for its older citizens. The Payson Senior Center, the Pine Strawberry Senior Citizens Affairs Council and the Payson Regional Medical Center Senior Circle all provide services, education, meals, social programs and more for residents. The fees for membership are minimal and bring with them a variety of discounts on goods and services throughout the community and elsewhere. Other organizations and agencies are also available to assist seniors and their loved ones. The PGCSC has a comprehensive book, the “Senior Connections Resource Guide” available to everyone. The eightpart publication provides: • Overview of Area Agencies on Aging • Information and Referral • Caregiver Websites and Toll Free Numbers • National Organization Websites and Toll Free Numbers • Arizona Attorney General’s Life Care Planning Information • Must-Have Caregiver Forms • Local Government Contact Information • Community Resources To get a copy of the guide, call the PGCSC at (520) 836-2758 or 1-800-293-9393.

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While able, get legal, financial plans in place BY TERESA MCQUERREY RIM REVIEW EDITOR

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Daniel Nuñez, a social worker with JacksonWhite, a law firm that specializes in elder law, advises everyone to have powers of attorney no matter what their age. These include powers of attorney for medical care, mental care, finances and a living will.

power of attorney — this gives the agent (the person with the power of attorney) the ability to make medical decisions for you. • Mental health care power of attorney gives the agent the ability to admit you to a level one behavioral health care center — this is important especially for someone with dementia.

• Living will — this puts your wishes in writing. • DNR (do not resuscitate) form, or “orange form” — used for homebound individuals to tell the paramedics what type of treatment they want if they are found unresponsive in the home — CPR or no CPR. There is also the financial power of attorney — it allows you to name an agent to handle

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your financial affairs for you — this document needs a witness (other than the person being given the power of attorney) and a notary to be valid. “If you are in an accident (or found incapacitated in someway), rushed to emergency care and unable to tell the doctors what you want and you don’t have a medical power of L

Just about every time we see a new health care professional, we are asked if we have a living will and other legal documents. My mind always goes to the worst-case scenario, no matter why I am seeing this person — God, what are they expecting to find! That speaks to my concerns about aging and its accompanying mysterious aches and pains and more. Used to be — I can’t remember when now — I’d think, I’m too young to be worrying about that stuff. I was wrong. “Everyone should have their powers of attorney in place, regardless of their age,” said David Nuñez, a social worker with JacksonWhite Attorneys at Law, a firm that specializes in elder law. It is not necessary for a lawyer to draft the papers, they can be found and downloaded, free of charge from the Arizona Attorney General’s website, and that of Nuñez’s firm, www.arizonaseniorlaw.com. Powers of attorney are also known as advanced directives. They allow us to have control of our health care decisions if we can no longer state them. There are four types of advanced directives: • Medical or health care

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Don’t leave your health care choices a mystery From page 4

ing them one of your powers of attorney. Talk to them about it before you name them,” Nuñez said. You can also change your mind about who you want to have your powers of attorney. LONG-TERM CARE

Should you become incapacitated and need long-term care, the state has a safety net to cover the staggering costs involved. Nuñez said, care in the home can cost from $17 to $24 an hour; in a group home the cost is $2,500 a month and up; the cost to stay in an assisted living facility is $3,000 and up; and skilled nursing facility costs are $6,500 a month or more. The costs make self-funded long term care out of reach for most people and Medicare doesn’t pay for more than 100

days in a skilled nursing facility. Benefits to veterans (and their widows/widowers) may also pay for long term care if certain qualifications are met. Known as VA Wartime Pension and Aid and Attendance, it is for wartime veterans (it is not necessary to have served in combat) and their widowed spouses. • Monthly Pension can be from $1,054 for single veteran up to $2,085 for married veteran and $707 for widow up to $1,130. • This VA pension looks at unreimbursed medical expenses to determine the amount you are eligible for as well as your savings. The Arizona Long Term Care System (ALTCS), Arizona’s Medicaid program, is a safety net to cover the costs for those See State has, page 6

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attorney or any family member or close friend to contact, two doctors on the facilities staff, who may or may not know you, could be making the decisions,” Nuñez said. As with the financial power of attorney, the medical power of attorney requires an adult witness, other than the designated agent, and notarization. The notary seal assures that you are of sound mind and free of duress when making the power of attorney designation — the agent can’t be anyone who will inherit from you. With a valid medical power of attorney, the person you have designated can, if you are unable to, make decisions about surgery; medical, hospital and related care; placement in an alternative living facility.

“When you make a selection of an agent, it should not be out of obligation,” Nuñez said, giving as an example his own choices — he asked his grandmother if she would be his agent. She said no, she would not be able to let him go. In another example, he said if you’re afraid one of your children will be angry if they are not the designated agent that should not be a determining factor. The agent needs to be someone who will stay strong in the face of your incapacity, listen to what you want and carry out your wishes. There should also be a secondary agent, he said. Many times the spouse is named the agent, but they may become incapacitated before the individual who made the designation. “Don’t surprise someone giv-

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State has safety net for long term care costs From page 5

who qualify. It is for the chronically ill, elderly and disabled who are at risk of going into a nursing home. Nuñez said the most important part of that explanation is the phrase, “at risk” — it means the program can be used to help pay for the costs of providing care in the home as well as in a group and skilled nursing facility. • ALTCS provides both care in a person’s home and in facilities such as a nursing home and assisted living. • Lots of services are covered in the home, personal care, nursing, home maker services and meals. Even a child or friend of the member can be the paid caregiver. ALTCS also covers medical care. • Three issues they look at for eligibility — income, asset and medical. • If you are married, the rules are different than if you are single. • A married person does not have to be impoverished in order to get a spouse on to benefits. • Rules allow for the protection of the well spouse. • Eligibility: Medical: Must need daily hands-on assistance with care needs, bathing, dressing grooming, etc.; must get at least 60 points on the medical assess-

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ment called the “PAS” or preadmission screening. Income: Single person can have $2,163 of gross monthly income or less. Married person can make double this, or just the applicant (ill spouse) must have income below the $2,163. If you are over income, there is a way to fix this called an Income Only Trust or a Millers Trust. Asset — A single person can only have $2,000 or less in the bank. Married couple rules are more complicated — they allow the well spouse to keep half of the couple’s marital asset up to $117,240 and no less than

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$23,448. There are rules to be able to protect asset for the well spouse and may not require a “spend down” of half. The house, car and prepaid burial plans are exempt from ALTCS eligibility requirements. There is an estate recovery act to repay the state for costs incurred on the program, but there are exemptions to this lien: if there is a spouse; if there is a disabled child; if a child took care of member in home for at least two years in the home and it was the child’s primary residence and it kept the member out of a higher level of care.

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There is a 76 percent denial rate for eligibility for this program. It is important to do a prescreen before applying to the program to make sure you do not have any red flags that may cause ineligibility. JacksonWhite offers a prescreen for free. In addition to the free prescreen service for eligibility to ALTCS, Nuñez said the law firm offers most of his services, and that of his fellow social workers, for free. They are available to help determine what elder services would be of most benefit and how to find them.

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Care for the caregiver – The hidden patient BY TERESA MCQUERREY RIM REVIEW EDITOR

See Make changes, page 8

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A highlight for organizers of the 2014 Senior Connections Conference was booking high-energy, inspiring speaker David Coon. Many have benefited from his programs and have tried to get him on the dais at every conference in the past. Coon specializes in late life depression and family caregiver distress. He creates tools to help caregivers better cope with the demands on their lives and stay healthy. He is the Associate Vice Provost and a professor at Arizona State University College of Nursing and Health Innovation. Upbeat and energetic, Coon opened his program

with a shocking statement, “Stressed caregivers die faster.” In addition to being stressed, they are often depressed, frustrated and angry and feel trapped and overwhelmed. Caregiving is stressful for a variety of reasons. Some of those identified by Coon: • Lack of control and predictability because of unusual and unpredictable patient behavior such as the physical impact of their condition, mood swings and confusion. • Loss of outlets for frustration or sources of support because of the social isolation created by caregiving.

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Carol Wilson, with Pinal-Gila Council for Senior Citizens; Dr. David Coon, with Arizona State University; and Dee Redfield, with Senior Connections; at the Senior Connections Conference Friday, June 20 at the Mazatzal Hotel & Casino Event Center.

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Dr. David Coon closed the June 20 Senior Connections Conference with a lively and entertaining program on caregivers taking care of themselves so as not to fall victim to their stress.

Make changes if care routine is stressful From page 7

• Ambiguity, uncertainty and a perception that things are getting worse because complications to an existing condition, the onset of other physical and mental conditions. • Feeling that they may not have what it takes to deal with it all (helplessness), This and more makes a caregiver “the hidden patient” according to Coon. Adding to burdens caregivers are already dealing with are: hospitals are discharging patients “quicker and sicker”; the health care system to be navigated lacks coordination; there is information overload; they must manage difficult medication schedules and sophisticated equipment in the home; they often must juggle competing demands with caregiving, such as

work and other family members’ needs; it is often difficult trying to locate, access and monitor quality paid help; and some must provide their care from a distance. Coon suggested many coping tools, but some of the easiest include: when negative thoughts come up, modify them (identify what is going right; detach emotionally and view the problem from a distance and brainstorm solutions). Practice relaxation breathing; force yourself to do something pleasant — even if it is just taking the time to read the paper in peace. A more involved coping technique involved redesigning how care is provided. It requires sitting down with the person for whom the care is given and the provider. Ask the care recipient: • What is important to their

independence (what can they do for themselves; what part of their daily routine do they want to do in their own way; do they want to spend their money as they wish and make their own financial decisions; what do they want to do during the day). • Activities they can do with others. • Who they want to help out (and who they don’t want) and how do they want those people to help. • What they can do to reduce family stress — what do they think they can do to limit the worries and concerns about their health; do they realize the care provider cannot put their life on hold for them. Because the care provider has a life, it may be necessary to use community resources or paid help for some day-to-day tasks.

The patient and caregiver need to identify all the tasks and assign them to those best able to manage them. This involves everything from getting in and out of bed, bathing, dressing, cooking, eating, cleaning, taking medications, going to the doctor, paying bills, getting groceries ... all the day-to-day stuff. The caregiver should step back and realize their own limitations and the fact that the community has many resources to help the elderly and ill and there are family and friends they need only to ask for assistance. However, people have the right to say no. Coon said caregivers must take time to take care of themselves — it is the best gift they can give to the person that needs their care.


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Rim Country update on Affordable Care Act BY TOM RUSSELL

tors and the prescription drug formulary for the specific plan The 2015 Annual Enrollment you are considering. Period for health insurance will be Nov. 15 through Feb. 15. Other questions to consider: • What’s the company’s repuHowever, birth of a child, movtation for being easy to reach for ing, losing coverage, etc., opens a “Special Enrollment Period.” assistance? • Can I have a tax-free Health Short term medical plans are also available in the private Savings Account (HSA) with this particular plan? market. The new law provides tax One of the biggest confusions for 2014 has been the limited credits to help lower premiums, networks and restricted drug and around 50 percent of people enrolled have qualified. If houseformularies. At the federal website, hold income is less than 133 perwww.healthcare.gov, six differ- cent of the Federal Poverty ent companies appear as being Level, coverage can be obtained available to Rim Country resi- through Medicaid (not to be condents for 2014, but only two of fused with Medicare). However, for the other 50 perthem have available providers in the Rim Country. People not re- cent that do not qualify for a tax alizing this have had to travel to credit, the premiums are high the Valley for treatment. Thus, and going higher. Though not all companies be sure to research the company’s network of available docSee Costs, page 17 SPECIAL TO THE RIM REVIEW

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Bridging elderly’s mental, emotional barriers BY TERESA MCQUERREY RIM REVIEW EDITOR

As our parents or other loved ones age, it can become difficult to know how to engage them; how to keep them involved and active. There are mental barriers, as they become more forgetful, physical obstacles with their hearing and sight and sometimes their speech. And there can be emotional issues too. Diane Mockbee is an activity consultant with multiple national and state credentials. She works in a long-term care facility in the Valley and has been in the field for nearly a quarter of a century. While she works with people suffering from Alzheimer’s disease and other dementias, she also has personal experience with its impact because her mother had the disease. She offered strategies for making connections with those becoming distant because of various forms of dementia. Many can be used to build better relationships with our aging parents and relatives and help them stay engaged as well. Her first suggestions were don’t do for them and don’t talk for them because when you do, they will stop doing and talking for themselves. Activities should be meaningful and never forced. They should also result in a sense of accomplishment. There are many things the elderly can do around the house that can keep them involved and active: setting/clearing the table — Mockbee shared there came a point where her mother could not do the “cooking” anymore, but she could still make the salad, so she was involved in preparing meals. Other household tasks might include helping with laundry by sorting and folding clothes; doing things around the house, such as dusting with feather-type dusters, sweeping, raking.

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Diane Mockbee brought years of experience as a professional working with the elderly, and that of being the daughter of a woman with Alzheimer’s disease, to her talk about creating meaningful activities with senior loved ones with whom may have both mental and emotional barriers.

While they are able, involve your aging parent in creating a legacy for the family. It is not only an activity; it is an opportunity to share time with them. Get them to help you make albums — they can be simple or the more involved, and therefore more active-type, scrapbooks. As you are putting the pictures in place you and your parent can share stories about the individual(s) or places in the photos. It is also a chance to help your parent tell their life story. Mockbee shared a simple

guide for creating the story: • Hello, my name is — • I like to be called — • Significant people in my life — • I was married to … for … years and had … children, named ... — • My occupation was — • My interests and hobbies — • My favorite things — • My greatest accomplishments — • My daily rituals — • My favorite type of music — Another activity might be hav-

ing your parent share recipes that were family favorites when their children were young or were their own favorites. It is important to remember not to force the activity. Keep the sessions short. Be flexible — you adjust to the person’s level of ability and look for hidden messages; adjust your helpfulness without taking over; never interrupt when they are talking; match person’s abilities to the level and type of activities they can do; allow them to have some form of control.


JUNE 25, 2014 • SENIOR REVIEW | 13

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Report on the health care Marketplace New report shows affordable premiums, competition and choice in the Marketplace Shoppers paid an average of $69 per month after tax credits for silver plans and had, on average, a choice of five health insurers and 47 plans A new report released today by the Department of Health and Human Services (HHS) finds that people who selected silver plans, the most popular plan type in the federal Marketplace, with tax credits paid an average premium of $69 per month. In the federal Marketplace, 69 percent of enrollees who selected Marketplace plans with tax credits had premiums of $100 a month or less, and 46 percent of $50 a month or less after tax credits. Today’s report also looks at competition and choice nationwide among health insurance plans in 2013-2014, and finds that most individuals shopping

in the Marketplace had a wide range of health plans from which to choose. On average, consumers could choose from five health insurers and 47 Marketplace plans. An increase of one issuer in a rating area is associated with 4 percent decline in the second-lowest cost silver plan premium, on average. “What we’re finding is that the Marketplace is working. Consumers have more choices, and they’re paying less for their premiums,” said Health and Human Services Secretary Sylvia Burwell. “Nearly seven in 10 consumers who signed up for Marketplace coverage are paying $100 or less for that coverage. When there is choice and competition, everybody benefits.” According to today’s report, on average, monthly premiums for people who selected plans with tax credits fell 76 percent after tax credits, dropping the cost of the average monthly premium from $346 before tax credits to $82 after tax credits across all plan types. The Marketplace is also providing consumers more easily

comparable, quality health plan choices than ever before. In 2014, there were a total of 266 issuers in the Marketplace by state, offering over 19,000 Marketplace plans across all ratings areas, excluding catastrophic plans. Overall, 82 percent of people eligible to purchase a qualified health plan could choose from three or more health insurance issuers, and 96 percent could choose from two or more health insurers in the Marketplace. In 2014, new issuers represent almost 26 percent of all issuers in the Marketplace, and the new Consumer Operated and Oriented Plans (CO-OPs) tended to have lower premiums than other plans. Early reports from the states suggest that additional issuers will be entering the Marketplace in 2015. Today’s report demonstrates that the new tax credits are working as intended to make premiums affordable, and the Marketplace is bringing muchneeded competition to the insurance market. In addition, the Affordable Care Act includes a number of

other provisions to keep premiums affordable. The rate review grant program provides states with resources to enhance their rate review programs. HHS has previously awarded nearly $238 million to states to enhance their rate review programs, and, since the passage of the law, the proportion of insurance company requests for doubledigit rate increases was cut by more than half. Consumers saved nearly $1.2 billion on their premiums in 2012 when compared to the amount originally requested by insurers. Health insurance companies also now have to spend at least 80 cents of your premium dollar on health care or improvements to care, or provide a refund. In 2012, 8.5 million consumers received half a billion dollars in refunds — with the average consumer receiving a refund of around $100 per family. To read today’s report visit: http://aspe.hhs.gov/health/reports/2014/Premiums/2014MktPlacePremBrf.pdf

Things to consider before opening home to senior relative consider about your home as If you determine you’ll need to well as your finances before remodel or add a new suite to inviting an aging relative to your home, it’s important to move in. know that such projects can be very expensive, with a room adSPACE IN THE HOME dition very likely costing close to When your household is tak- or more than six figures. ing on a new member, you will But men and women with lots obviously need to find some of available space in their home space for that person. But if may find their home is not ideal you’re currently at full capacity, for seniors, either. For example, then you will need to determine seniors whose physical condiif the space you have is truly ca- tion is less than ideal might not pable of handling an additional be able to get up or down stairs member of the household. Sen- easily and might find walking iors often value their privacy, so from room to room in a large sharing a room is not an ideal house to be too physically taxoption nor one that your relative ing. Before inviting an aging relis likely to embrace. ative into your home, be sure the

space available in your home is suitable for that person and their particular condition. MEDICAL FACILITIES

Many seniors need to visit medical facilities more frequently than younger men and women. This makes the proximity of your home to doctors’ offices a significant factor to consider. If your home is far off the beaten path or in an area where access to medical care is sparse, then your loved one’s health may be compromised. Discuss your loved one’s medSee Think, page 16

L

As many seniors age, their ability to live independently is compromised. An older adult may suffer from a medical condition that makes it difficult or impossible for him or her to drive an automobile or manage day-to-day life independently. In such instances, many younger relatives opt to invite an aging parent or grandparent into their homes, a decision that men and women should not take lightly. Asking an aging relative to move into your home is often a selfless decision rooted in the affection you feel for that person. But there are certain things to


JUNE 25, 2014 • SENIOR REVIEW | 15

Organizing a family reunion

Hungry for local news? Call 474-5251, ext. 108, to subscribe to the Payson Roundup — the Rim Country’s No. 1 source for news.

Metro Creative Services photo

Summer may have already started, but there is still time to organize a family reunion before the end of the year. Most folks will have a long weekend over Labor Day, then there are the holidays of Thanksgiving and Christmas.

mitted, but have implied a desire to attend. • Choose a central location. Though it might be sentimental to hold the reunion in a city or town where your family has its deepest roots, such a location might not be practical. When choosing a town or city for the reunion, try to find a central location that’s accessible to the largest number of prospective attendees. For example, if half of your family now calls the

West Coast home while the other half lives along the East Coast, then a location in the middle of the country is equally accessible for all. This also gives travel enthusiasts the chance to do some traveling while also reconnecting with their family members. • Arrange for transportation ahead of time. If your family reunion won’t be in a big city with reliable public transportation, then it’s best to arrange

CRAFTERS

for transportation ahead of time. Some family members will drive to the reunion, so confirm who is driving and the capacity of their vehicles. You might be able to get by with relatives hitching rides from their family members to the reunion and other events. If not, you can arrange for transportation depending on the number of people who won’t have access to transportation. See Reunion, page 17

L

Family reunions are a great way for families to maintain a bond and stay abreast of the latest happenings within the family. Regardless of how much time has passed since your last family reunion, organizing such a gathering can be quite an ordeal. When planning a family reunion there will be many challenges. But the following tips should help the process go more smoothly. • Start early. The earlier you start to organize your family reunion, the more time you and your family members will have to find deals on hotels or transportation. Planning early also gives organizers time to find fun and affordable means of entertainment. Even if your family hosts an annual reunion, start planning early so everyone can make plans to attend. • Use social media to your advantage. Post ideas for entertainment to social media and get feedback from relatives. Solicit suggestions for activities and assign different tasks to different family members who have confirmed their attendance. Use social media to keep track of that attendance as well, especially among those family members who have not yet com-

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16 | SENIOR REVIEW • JUNE 25, 2014

Important for seniors to keep their cool Think before BY MATILDA CHARLES KING FEATURES SYNDICATE

Everyone needs to take steps to stay safe in hot weather, but seniors especially need to be careful. Our internal “temperature gauge” doesn’t work the way it used to, and becoming overheated can sneak up on us, with dehydration right on its heels. Here are a few ways to stay cool in summer: • If you have air conditioning, use it. Keep an eye on the heat index (temperature plus humidity) on the weather news. The higher the humidity, the less we’re able to sweat and let air evaporation cool us. • Go somewhere cool in the middle of the day, such as the library or a nearby coffee shop that has air conditioning. Find out from your senior center if there are cooling centers in your area where you can go for a few hours. • Drink plenty of water. Some of our drugs can be dehydrating; ask your doctor if your prescriptions mean you should drink more water. Ask him how much liquid you should drink during hot weather, especially if your intake is limited because of water retention. Remember that drinks with caffeine (such as tea or coffee) can be dehydrating, as well as alcoholic beverages or sugary drinks like sodas. • Dress in lightweight clothing. Wear a hat if you go outside. • Put a cool, damp washcloth

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on pulse points, like wrist and neck. Take a cool shower. • Sign up with a seniors phone service that will check on you, or arrange with friends and family to stay in close contact during hot weather. • Keep an eye on the symptoms of heat exhaustion: clammy skin, fainting, nausea, muscle cramps and weakness. Call for help if you experience any of these, because they can lead to heat stroke if not taken care of. WHY JOIN AARP?

At some point in our lives, we will get an invitation to join AARP, the organization for seniors. This likely will coincide with our 50th birthday. The AARP mail is ignored, maybe for a week, maybe for 10 years. But at some point we concede: We are seniors. And we need AARP. I have recently concluded that

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it’s worth joining. Here are a few of the benefits of membership: • Need help with estate planning, starting a business or your taxes? It’s there, as close as your computer. Want good information on local political issues that affect seniors in your state. It’s there. AARP is in our corner, with one of the strongest lobby efforts in Washington, D.C. • While AARP is nonprofit, there are two side branches that are for-profit. AARP Services provides discounts on many of the things we need, such as travel, legal, entertainment and supplemental health insurance. AARP Foundation provides onthe-job training, education, legal help and much more. • The AARP Driver Safety program can be taken either online or in a class setting. The biggest value is that it teaches about the changes that come with age and how those can affect driving. • The bi-monthly magazine is worth the price of the membership alone ($16 per year). What I appreciate most is that the articles are straightforward, informative and not condescending. With membership you also can read them online. If you have access to a computer, look around the site at aarp.com. Check the memberbenefits guide, even if you’re already a member, or ask for one by phone when you sign up: 1888-687-2277. Be sure you’re not missing out on anything — especially your discounts!

Shear Oasis Salon is looking for afor Full is looking a or FULL-TIME experienced Part-Time experienced hair stylist and nail tech sylist and with clientele. preferably with clientele.

invitation to share home From page 14

ical condition and history with them before extending an invitation. If he or she has considerable medical needs and your access to reliable medical facilities is limited, then you might need to move before you can comfortably house an aging relative or explore other housing options for this person. PERSONAL FINANCES

The cost of caring for an aging relative is considerable. According to the MetLife Mature Market Institute, the average cost of in-home care for a parent who requires a home health aide was slightly less than $22,000 per year in 2011. Because those costs are so substantial, many men and women care for their aging relatives on their own, which can still prove quite costly over the long haul. Taking on that role might impact income you sorely need, especially if you’re forced to scale back your workload so you can better care for an aging relative. Inviting an aging relative to move into your home is a decision that requires careful consideration of a host of factors.

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Transmissions

3650 Highway 260, Suite B in Star Valley 928-472-CARS (2277)

Payson Village Shopping Center•474-9126 www.paysonjewelers.com Open Monday-Friday 9:30-5:00, Saturday 9:30-2:00


JUNE 25, 2014 • SENIOR REVIEW | 17

Costs for health coverage going up From page 9

participating in the Affordable Care Act have filed their rate increases for 2015 with the Arizona Department of Insurance, those that have are requesting a 15 percent to 25 percent rate increase over 2014 premiums. Some people have a health plan that was extended, allowing them to keep it for at least a few more years. In most cases, these older plans should be carefully guarded and kept for as long as possible, since they are less costly. However, not all the older plans meet the minimum definition of essential coverage, and a tax penalty could be imposed for opting to keep them over a qualified Affordable Care Act plan. The federal government has improved the www.healthcare.gov website for the 2015 enrollment period. There are also new booklets available, attempting to make things clearer. It’s a big work in progress, and only time will tell if it all works out. ABOUT THE AUTHOR

Tom Russell is an independent Affordable Care Act, Medicare plans and life insurance broker, serving the Rim Country since 1994. He can be reached at (928) 474-1233 or www.TomRUSSELLinsurance.com.

Reunion tips From page 15

You might want to rent a small or large bus for the weekend so those without access to transportation can travel together. • Host the reunion when the weather outside is warm and welcoming. This allows all of you to enjoy the great outdoors, and people are less likely to feel cramped or claustrophobic.

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928.474.5286


18 | SENIOR REVIEW • JUNE 25, 2014

CLASSIFIED ADVERTISING MERCHANDISE

MISCELLANEOUS

ANIMALS

AUTOS/VEHICLES ATVS

Alfalfa Hay & Bermuda for Sale! 3 String Bales, 928-978-7604 Dog Nail Clipping in the comfort and convenience of your home by Tracy. Local professional groomer of 24 years. $12.00 928-978-4959

EGGS!

$2.50 per/Dozen Buy Two Dozen and get One Dozen Free. by True Value on Tuesdays from 8am to 12 Noon

ARTS AND CRAFTS Yarn, Accessories, Books Retirement Sale Now On Village Wools Yarn Shop 50% off all yarn, accessories, needles 50% off selected books 418 S Beeline Hwy Payson 928-476-4710

FIREWOOD HOUSTON MESA FUELWOODS

Summer Firewood Sale, Shaggy-Bark Juniper $210. Aligator Redheart Mix $230. and Oak $280,

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FURNITURE MEMORY FOAM BEDS Half Price or more off Retail on all new beds foambeds4less.com/welcome Micro Fiber Moss Green Love Seat $88.obo; Couch $108.obo Both Recliners. Three Piece Blue/Grey Velour Sectional w/Arm Chair, $78.obo 928-595-1436

GUNS/KNIVES $500 REWARD for Lost Gun, Please Call 480-466-2789 or 480-322-1861

LAWN/GARDEN YARD CLEANING SERVICE (COMPETING PRICES) Tree-Trimming, Brush Removal w/Hauling-Service. We also do Backhoe Work.

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20 ft. and 40 ft.: Shipping Containters, 928-537-3257

Airplane Aluminum Kit (?), “Skeleton�, Cockpit Back, Stick, Foot Rudder, 28ft Wing Span, 4x6 Tail, Excellent, 3 pieces, Wheels, Rear Slide, $1900.obo, 928-478-4758

34ft RV 1Br/1Ba w/Two 8ft Tip-Outs, $900. or 1989 1Br/1Ba 12x34 Park Model, $4,500.�You Transport� Call Don 928-978-3423

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Balances Blood Sugar & Lipids. Drink the Pink & Shrink! Get the brand new Plexus fat burner called BOOST! www.teampinkside.com plexusarizona@gmail.com 928-970-0727 Construction Material, Truck Camper, Recliner Couch, and Misc. To see go to 907 E. Miller FREE WOODEN PALLETS: The Payson Roundup Newspaper is offering Free Wooden Pallets, Please pick up at your convenience in back at the first alley off of Forest Rd. Honda Generator EG-5000, Very Good Condition, Has OHV Commercial Grade Engine, Automatic Voltage Regulator, AC Circuit Brakers, 120-240V Operation, $725.obo King Temperpedic Bed, 6/6 Classic w/23/3 XL Ecru HP Foundation, Like New, Only Used for 6 mo. Covered since new, $1800.obo 719-242-5866 Swamp Cooler, Adobe Window Mount, $250.obo Panasonic Home Theatre System, $200.obo Antique Sewing Maching Cabinet w/Bench, Cherry Wood, $100.obo 928-476-2452 THE BLIND DOCTOR Broken Blinds? Saggy Shades? Droopy Drapes? WE CAN FIX THAT! Dani 928-595-2968 BLINDS & DESIGNS Repairs, Sales, Blind-Cleaning & More!

STORAGE ITEMS MOVING BOXES Moving boxes, all sizes, including wardrobe boxes. $20 602-363-0906

YARD SALES/ AUCTIONS ESTATE SALES 2. 211 E. Sherwood Dr. Fri. & Sat. June 27 & 28 from 8am to 2pm: Estate Sale: Refrigerator, Couches, WD, Computer Desk, Beds, Tools, Vehicle, and Much More! All Must Go!

YARD SALES 1. 601 W. Summit St. on Rear Deck. Downsizing, Something for everyone; Clothing, Shoes, “Man Things�, Household Items. Nothing for Children. Fri. and Sat. June 27 & 28 from 7am to 3pm. 3. Estate & Yard Sale! 1609 W. Dalton Circle, Fri. & Sat. June 27 & 28 from 7am to 1pm: Slate Coffee and End Tables, Oak Armour, Misc. Household Items, Collectible Knives and Much More!

HEALTH CARE

RVS 2006 Montana,34ft.5th Wheel, 2-Slides,22K Miles. Plus-2005 RAM 2500 Quad Cab, Diesel,Tow Pkg,Auto,AC,CC, 44K Miles, Exceptional for $39,900. Star Valley 480-323-9936

SUVS 2000 Polaris 500 Sportsman Excellent Condition, Only 2000 Gentle Miles, Wench, Compressor $3,500.Cash Only Call 474-8779 for Appointment to see.

BOATS 20 ft. pontoon boat with trailer, 85hp Suzuki motor, 5 loveseats with no tears. Excellent shape. $4000. 928-978-0070 Two Kayaks for Sale, 10ft Long w/Paddles & 2 Tie Downs. $350 for the pair, 928-468-6838

CARS

2005 Dodge Durango SEL 4x4, 124,250 Miles, $6,500.obo 928-978-2165

TRAILERS 2005 Carson 20ft Tandem, New Deck,Tires,Gel Battery. 12K lb wench, Diamond Plate Tool Box, Buddy Bearings & Ramps, $4,500.obo 480-560-3678

TRUCKS 4x4 2001 Ford Lariat Crew Cab, 120K Miles, Runs Great, Black-x, Tan-in, Air Intake, Tow Package, Good, Excellent, $8900. 928-478-4758

EMPLOYMENT ACCOUNTING

2003 Civic 2Dr, Good Tires, AC, 150K, Dependable, $3,100.obo 602-390-3356

2011 Volkswagen Jetta TDI DIESEL. 42MPG, Excellent condition, High Quaility, 57k miles, White, Automatic, 4 Door, Leather. $19000 OBO. 928-472-7737 or 978-1322 AUTOMOTIVE RECYCLING, LOCAL: Will Pick Up, Good Prices, DAVE’S AUTOMOTIVE RECYCLING, Parts for Sale, M-F, 9-5, Sat 9-1, 928-474-4440

I BUY CARS TRUCKS & RV’S RUNNING OR NOT 928-951-3500

MOTORCYCLES 1986 Yamaha FJ-1200 1983 Honda VT 500 Shadow 1981 Honda Twin Star All Bikes in running order, Good Shape, $3,000. for All, 928-970-1173 2000 Kawasaki Vulcan 800, 3,300 Miles, Windshield, Sissy Bar, Luggage Rack, New Cover & Tires, $3,000.obo Cash Only 480-560-6899 Pine

The Lemon Tree Family would like to invite Stylists,Colorists,Nail-Techs, to join us, stop by speak with Mimi 416 S.Beeline Hwy

DENTAL Wanted Dental Assistant/Front Office, Fax Resume to 928-474-7448

GENERAL SUBWAY: Apply within, Bashas Shopping Center, 128 E. Hwy. 260. Energetic People Come Join Our Crew! PT/FT, Monthly Bonuses. $50. Sign-up Bonus, Vacation Pay. WANTED: Experienced Painters Call 928-474-3955

HEALTH CARE CASE MANAGER: Provide case management services for SMI, Substance Abuse population and children/families. Min. req: HS/GED plus 4 years exp in BH or combined BH education and exp with at least 1-year case mgmt. exp; 21 yrs of age Generous benefit package. Bilingual encouraged. Submit application/resume to: Horizon Human Services, 600 E. HWY 260 #8, Payson, AZ 85547 AA/EOE/M/F D/V

RVS

4. Almost Moving Yard Sale 712 W Saddle Ln Payson Fri, Jun 27, Sat, Jun 28 and Sun, Jun 29. 8am 2pm Lots of misc stuff, large solid oak entertainment center (used as book/display case), small/medium women’s clothes, new items added daily. No early sales please!

4. Granny’s Sale 408 N. Laredo Ln., Antique Store close-outs, misc. household & garage items, toys, some furniture, Fri. & Sat. June 27 & 28.

2004 Jayco-Jay Feather Ultra Lite Travel Trailer, Fully Self Contained w/Slide-out, Microwave, Refrigerater, Stove/Oven, AC/Heater, Open Floor Plan,$10,299. Jerry 928-468-2199

Comfort Keepers is seeking mature, caring, people for non-medical in-home care. Provide companionship, personal care, meal prep, shopping. Experience Preferred, 200 W. Frontier Rd. # K, 928-474-0888

Looking for a PRN/On Call Cook; and FT Cook with Previous Cooking Experience Preferred, varied shifts for both positions, including working alternating weekends. Please Apply On-Line at www.paysonhospital.com. For more information contact Human Resources at 928-472-1268 e.o.c.

HOSPITALITY Lodge Manager Remote working cattle ranch / bed & breakfast / lodge in Young, Arizona is looking for professional individuals or couple to manage the lodge / bed & breakfast. No drugs or alcohol issues, no criminal records, must have current Arizona Driver’s license and be insurable. Full housing may be provided. Send resume and current contact information including phone number to: queenleslied@yahoo.com

MECHANICAL Experience Technician Wanted, Great Pay, Benefits, FT Employment, 928-474-4234

RESTAURANTS

Experienced, Cooks, Bartenders, and Servers Looking for like-minded individuals willing to work tirelessly to serve our guests and community Experience is important and attitude is critical. For the right person, we will exceed your current pay. Call for an appointment. 928-476-6434 Waitress

Diamond Point Shadows is now accepting applications for waitress. Please apply in person, Tuesday-Friday after 3:00 928-474-4848

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Animal Caregivers

Humane Society of Central AZ is looking for a F/T and a P/T person who has: An interest and loves working with animals. Ability to lift and carry 50 pounds; bend and reach; control large dogs on a leash; work with a variety of cleaning agents. Animal experience is preferred but not required. Animal Caregivers are responsible for the care and well-being of the animals at HSCAZ. Please submit applications and/or resumes to 605 W. Wilson Court. No phone calls please. Order: 10070913 Cust: -Payson Care Center Keywords: Cook & Dietary Aide art#: 20119429 Class: General Size: 2.00 X 3.00

COOK & DIETARY AIDE NEEDED

at Payson Care Center. Must have experience, preferably in long-term care. Apply in person at:

107 E. Lone Pine Drive, Payson, AZ 85541


JUNE 25, 2014 • SENIOR REVIEW | 19

RETAIL HELP WANTED. FULL TIME. JEWELERS SHOP ASSISTANT SEND RESUME TO: PAYSON JEWELERS FAX- 928-474-8680 EMAIL: paysonjewelers@q.com

SALES/MARKETING

HANDYMAN Water Heater Guy’s 40 or 50 gallon electric water heater installed $475.00, 40 or 50 gallon LP gas $650.00 Installed, Experienced plumber’s handyman and can contract work up to one thousand dollars, but you don’t have to spend 500 or 1000 dollars on a new water heater install save hundreds and call us @ 928-978-7145

PAINTING Three Generations of Quality Interior/Exterior, Lacquer, Stains, Epoxies, Wood and Drywall Repair, Concrete, Polishing and Stains, Garage Floors, Tom 928-474-7022, 928-970-2754 tomkolleck@gmail.com

REAL ESTATE HOMES FOR SALE

LANDSCAPING Are You A MARKETING PRO Print and Digital Media Sales We’re adding to our sales team at the Payson Roundup and are looking for a dynamic, high-energy person who is motivated to meet goals and successfully sell print with a strong emphasis on digital media. Must have the desire to work with local retail businesses and be a self-starter with a professional demeanor, outstanding presentation ability, and strong cold-calling skills. We offer our clients a strong mix of products making the Roundup family the leading provider of news and information including the local community flavor of the Roundup and the most visited websites in the Rim Country www.PaysonRoundup.com, www.PaysonMarketplace.com and www.PaysonDealZ.com. Our combination of products equals a strong success rate for our sales consultants. Qualified candidate must have reliable transportation, including valid Arizona driver’s license and proof of auto liability insurance. We are team-oriented, work in a drug free environment and enjoy a full benefits package including health, dental, 401K, etc. This is a base plus commission (with no ceiling) position. This opportunity will not last so, act today. Please send cover letter and resume to Frank LaSpisa Marketing Director flaspisa@payson.com

Yardwork Gardens Debris removed Plants trimmed, etc. Licensed Payson 34 Years not a lic. contr.

A Dependable Handyman Service Carpentry, Painting, Masonry, Electric, Yard Work, Wood Splitting, Hauling Payson License #P08226, Barney Branstetter 928-595-0236 not licensed contractor

JIMMY’S ALLTRADES Residential Repairs Since 1993 FREE ESTIMATES Plumbing, Electrical, Sun Screens, Dryer Vent Cleaning, Gutters Cleaned 928-474-6482 not licensed

F.S.B.O. 906 W. Summit Nice 2000sf Home 4Br/3Ba w/View, $129,000. (Reduced to $119,000) Call Don 928-978-3423

• • • • •

2 Bedrooms/2 Baths 2 Bedrooms/ 1.5 Baths Washers & Dryers Covered Parking Pet Friendly

ASPEN COVE

OakLeaf Yardworks Yard Maint., Firewising ($999 or less), minor landscaping and tree trimming. All work affordable. Call: Dennis 928-595-0477 deebsfoil34@yahoo.com not a licsensed contractor

LEGAL SERVICES AZ Certified Legal Document Preparer / Paralegal AZCLDP #81438

RIVERFRONT with PANORAMIC MOUNTAIN & FOREST VIEWS! OPEN CONCEPT 3500sf, 3bedroom/3bath, 3/car garage. OPEN HOUSE SAT/SUN 11-4 www.LOVEPAYSON.com 928-478-1553

LAND FOR SALE One and Half Acres, Located on East Side of Tonto Creek, Electric, 2 Septic Tanks, Fenced w/3 Big Trees (Hackaberry), Tonto National Forest within Walking Distance, Awesome Peaceful Views, $90,000. or Will Trade for Equal Property Value in Rim Country 928-479-2191

Residential LOT FOR SALE,, 621 E Hunter Circle, Elk Ridge Subdivision, Payson, AZ, 85541 .18 acre sq. ft., Last lot available in quiet Cul-de-sac, $55,000.00. 928-474-1050, 480-688-3476

HOMES FOR RENT

PineCrest Apartments Large 1 & 2 Bed Rooms Apts. Each with Large Locking Storage Unit, Laundry Facilities & BBQ Area, $475. & up 480-734-0858

1650sf Medical Office 1000sf Office w/Private Bath 2350sf Office w/Private Bath & Breakroom Mike 928-978-0149

OFFICE SPACE Various Sizes 255sf to 3000sf PRIME LOCATION 708 HWY 260 PAYSON, 928-472-7035

MOBILES FOR RENT 2 BR, 1 BA, Mobile Home, 21 B N. Milky Way, Star Valley, AZ, 12 months lease, Really Cute!, $630.00, 602-459-1414. 2Br/1Ba, Large Fenced Yard, Covered Patio, One Year Lease, $525.mo + Dep. Pets-No 602-390-7449

MOBILE/RV SPACES Mountain Shadows R.V. & Mobile Home Park Nice and Clean, Newly Remodeled Mobile Homes for rent. Two 24’x40’ Doublewides each are 2Br/w2Ba A 14’x64’ Single wide, 3Br/2Ba, On a Corner Secluded lot. Lot Space, sewer, and trash are included

1Br/1Ba Cabin In-Town, Completely Restored, Heating/AC, Wood Burning Stove, Outside AZ Room, Laundry, Storage Shed, Lots of Trees, $595.p/m 928-288-2440 2Br/1Ba, Beautiful Geronimo Estates, Carport, Newly Tiled/Carpeted and Decorated $850.mo + $500. Non-Refundable Dep. Approved Dogs w/$200.Dep. Contact Janet, 480-991-4904 2Br/2Ba:Site Built in Pine, Large Fenced Lot,Centrally Located,W/D, $600.p/m w/1 year lease or Lease Option to Buy!! Credit History Rquired: 928-476-3989 3 BR, 2 BA, Family room, office, garage/dojo, carport, Green Valley Park, 928-978-5300, 928-978-5084, $1300, lease, smoking, no. Cozy 2Br/1Ba, River Front Cabin, Worth 7 Miles Paved Drive, Outdoor Fun, Fireplace, Storage, W/D, Smoking-No, Pet-Neg. Lease $650.p/m; 928-474-9161 Nice, 3Br/2Ba, 2 car garage, fenced yard. Trailwood subdivision, walk to schools/parks/library. $1,350/mo + deposit. Smoking-No. Small Dog-Okay. 406-396-6628 Quiet 2Bd/1.5Ba:Covered Porch/RV Parking w/Deck, All Appliances, Treed Fenced Yard, Central, Walking Distance-Payson Middle Scool $700.p/m+Security, Seperate Laundry Area:928-951-4422

RV Spaces also available for $256.55.mo Walking distance to downtown Payson with onsite Manager, Laundry facilities, Game room and wifi. Call Shawn at 928-474-2406

MOBILES/RVS FOR RENT RV Space Available

IMMEDIATE AVAILABILITY YEAR ROUND RV PARKING IN STAR VALLEY, AZ

LOW MONTH TO MONTH AND LONG TERM RATES LOW OR NO DEPOSIT WITH REFERENCES CALL OR STOP BY ANYTIME

928-474-2442 Lazy D RV Park & Apartments 3655 E Hwy 260, Star Valley, AZ

OVERNIGHTERS WELCOME!

WE LOVE VETERANS

The savings will blow you away!

MOBILES FOR SALE 1985 2 BR 1 BA Mobilehome 703 E Frontier St., #13, Payson. By owner, 14X56, appliances included, shed, metal roof, carport, large fenced yard. $5000.00 OBO. 520-403-3146 or atlanticpuffin78@aol.com 1Br/1Ba, Park Model, w/Fenced Yard, and Large Covered Deck, Very Good Condition, Located close in Payson, $8,900. Call 480-390-8901

REPOS: 2, 3, & 4 Bedrooms, Starting from $9,989. Call Bronco Homes: 1-800-487-0712

Get local news delivered to your home twice a week. Subscribe to the Payson Roundup, call 474-5251.

Green Valley Lake Spacious Town House; 2-Story 2Br/1.5Ba Immaculant, Lakeviews, FP, 2-Covered Decks, Central Heat/Air, Unfurnished $895.+Dep. Furnished Options, 928-978-0089

Nice 1Br/1Ba & 2Br/1Ba Apts. in Quiet Adult Community, Just Came Available, Call Cindy 309-235-3769

Eagle Springs Professional Plaza 903 E Hwy 260

Foreclosures: 30 Homes, both New and PreOwned to Choose From, Free Delivery, Call Bronco Homes, 1-800-487-0712

Living Trusts Wills/Living Wills Powers of Attorney Deeds Patty Rockwell 928-476-6539

CONDOMINIUMS

Large Studio, Full Kitchen, Lots of Storage,Laundry Room with W/D, All Appliances, Newly Remodled, Pets-Neg.,Utilities Included, Avail.-June 25; $550.p/m+Dep. 480-236-9625

COMMERCIAL FOR RENT

2)) Your 1st Service 2))

DHW Home Services Decks/Porches Sheds Drywall Texture Matching Paint Remodeling 928-595-1555 Credit Cards Accepted not a licensed contractor

Don’s Handyman Home Repairs, Mobile Home Roofs, Backhoe Work, Drains, Driveway, Landscaping, Yardwork, Hauling. not licensed; Call 928-478-6139

F.S.B.O. 1800 +/- sq. ft., 3Br/2Ba, Central Air/Heat, Wet Bar, Bonus Room, Mud Room, Fenced Back Yard, Mature Landscaping, Huge Garage, Located in Beautiful Woodland Meadows, Priced for Quick Sale - $100K As Is. Appointment Only 928-978-7487

928-951-0859

Mario & Mario Landscaping and Masonry Complete Landscaping & Irrigation, Tree Service and Removal. Rock, Retaining Walls, Block Fencing Walls, Wrought Iron Fences. Flagstone & Concrete Driveways, Pavers and Sidewalks. Licensed, Bonded and Insured. Accepting all Major Credit Cards. 1-855-424-3118 or 928-282-3118

HANDYMAN

2 Story Basement Ranch on .35 Acres, R3MH-Zoning, 2210sf, Newly Remodeled 1105sf Upper Level, New Kitchen w/Hickory Cabinets & Stainless Steel Appliances, Unfinished Basement-Fix the way you would like. Allot More...Too Much to List! Motivated Seller, $139,000.obo 719-242-5866

FREE Estimates/SENIOR Discounts

CONSTRUCTION Debco Construction

APARTMENTS FEATURING:

(928) 474-8042

Quality Work…Affordable Prices!

Bonded & Insured Lic# 282393 928-978-4572

New Homes,Remodels,Decks, Painting, Garages, Wood/Tile Floors, Affordable Prices, Don 928-978-1996, Lic. & Bonded, Res. Lic.#ROC185345 Commercial Lic.#ROC182282 In Payson Area 35 years

Cool off at ASPEN COVE!

Cornerstone Property Services www.cornerstone-mgt.com

Yard Maintenance Ɣ Clean Ups Weeds Ɣ Trimming Ɣ Hauling

SERVICES

Office or Retail Space Lowest Rates In Payson Private Bath,500 sq.ft. On Upgraded Remodeled Units, 1 Month Rent Free 602-616-3558

Got Shade?

Landscape classified

Landscape Design, Tree Service, Irrigation, Pavers, Lawn Service General Maintenance, Fire Wise,

COMMERCIAL FOR RENT

801 E. FRONTIER ST. #46, PAYSON, AZ 85541

Fire Season is Here! Need Leaves Raked, Gutters Cleaned, Trees Cut? No Job too big/small, for Quote Call Nick 928-363-0737

Iris Garden Service 928-474-5932 928-951-3734

APARTMENTS FOR RENT Apartments For Rent

RENTALS APARTMENTS FOR RENT 1403 N. Woodland, Payson 1Br/1Ba Apt for Rent, Smoking/Pets-No, $525.mo, w/Water & Sewer Included. 928-485-0187 or 928-432-1831

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PAYSON ROUNDUP Call (928) 474-5251, ext. 108 to subscribe.


20 | SENIOR REVIEW • JUNE 25, 2014

At Payson Care Center,

we’re proud of a lot of things… x Our Five-Star Quality Measures Rating on Medicare.Gov x Our therapy team’s “Gold Status” rehab standard awarded by our parent company, Life Care Centers of America

x Being voted Best Long-Term Care Facility 4 years in a row by the Payson Roundup Reader’s Poll, x And that Dr. Alan Michels serves as our Medical Director. We are especially proud to be Payson’s choice for short-term rehabilitation after surgery or illness. We’ve earned the reputation of offering better care and successful outcomes through the physical, occupational and speech therapies our patients receive. Payson Care Center, just west of Payson Regional Medical Center.

Joint Commission accredited

928-474-6896 107 E. Lone Pine Dr. LCCA.com


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