Retirement Guide 2016

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Retirement Guide Resources and Information for Northern Colorado Seniors

A New Generation Of Yoga Enthusiasts Staying Fit and Vibrant 8 Ways to Maintain Financial Security Go Big or Stay Home: Leisure Time Options February 28, 2016

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New Generation Of Yoga Enthusiasts Find ThE SilvEr liNiNG Story and Phots By Elise Oberliesen for Reporter-Herald

Remember being a kid when back bends and handstands were just a form of playful fun?

Or maybe you took it one step further with the splits. Fast forward to now—maybe you want to return to your twisty, bendy roots. Yoga teaches plenty of these same movements, and

much easier ones too.

Turns out plenty of older adults are taking to the yoga craze according to Maureen Geraghty, fitness and wellness coordinator at Chilson Recreation and Senior Center in Loveland.

“We’ve seen an increase in Silver Sneakers yoga stretch classes and these classes are full,” says Geraghty.

Props like blocks and straps help students modify poses and decrease the chance of injury.

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With people over 50, Mary Kay Koldeway, owner of Yoga Works in Loveland says students visit her studio for a variety of reasons besides wanting a fitness program. For many of her students, she says it goes much deeper—and her students are eager to share their reasons.

“When they come, they are searching. They don’t even know what for, but I know they are searching for their higher self, and that they want to find joy in their life,” Koldeway says.

When they leave, they are usually standing taller, says Koldeway. Some of her 50 plus students have told her they have to adjust their rearview mirror because they sit taller in the car.

Geraghty teaches in a traditional yoga format that is very gentle. Anyone new to yoga is better off starting with an instructor who offers many choices within various poses.

Tell the instructor if you have pain in the wrists, knees, or

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back, advises Geraghty.

“Work with an instructor who can modify poses for you and has a general knowledge about physical limitations,” she says.

Take cobra pose, where you lay on your stomach, using your hands to push the upper body away from the floor.

Geraghty asks her students to start on their elbows instead of their wrists, before pushing push up—that way it relieves wrist pressure. Eventually you can move the hands closer to the chest, she says.

Whether people are starting their first class, or well into their fiftieth, most will bring a laundry list of past pain and partially healed injuries with them, says Geraghty.

Consider this; Centers for Disease Control reports that roughly 30 percent of people between 45 and 64 years of age suffer from arthritis, which causes stiffness and pain in the joints and about 33 percent of people between ages 55 to February 28, 2016

64 years of age reported back pain.

making Yoga easier

When you leaf through a glossy magazine of 20 somethings who effortlessly strike a pose, let’s face it, yoga can look intimidating to people of all ages. But there are ways for wanna be yogis to get into their cherished poses with a more ease. It’s called a prop and its soul purpose—to assist you in getting into a pose while supporting the body, something Geraghty says can help minimize injury.

Since many people cannot strike a perfect pose, Koldeway uses props like blocks, which help people reach the ground during a forward fold, or straps, which are placed on the ankles to help the person pull or stretch their legs more easily.

The strap essentially gives you gorilla arms.

“I’m a strong advocate of props because it’s not about getting into a full pose. It’s about meeting yourself where you’re at,” says Koldeway.

During forward fold, Geraghty said the hands must touch the floor or something near the floor, (like a block) otherwise it increases pressure on the discs in the spine. For those who can’t quite reach the floor, she says the block works great until they are able to open the hips.

Geraghty also uses fit balls and chairs to help people with backbends.

Many yoga instructors will tell their students that yoga is not a religion nor a competition. And that means there’s no need to “strive” for that perfect pose, says Koldeway. And this is good, because as we age, the body is not as eager to manage something like the splits or full wheel pose.

In the book, “Dynamic Yoga,” author Juliet Pegrum explores the idea of acceptance and lays out other basic tenets February 28, 2016

Students ease into stretches with the use of blocks and rolled blankets allowing different levels of intensity.

of yoga. She discusses the concept known as “restraints” which includes non-harming, truthfulness and non-possessiveness. Keeping in mind, it’s easy to look at someone else’s dancer pose and lust after it with a burning desire to master it. But that is not what yoga is about. However, with hours of practice, mastery may eventually happen.

In Koldeway’s classes, she continually reminds her students to always honor their bodies and listen to their inner voice of intuition. She wants people to feel better after they finish her class, not worse.

“In life, we’re always pushed to succeed to outside forces rather than honoring where we’re at. Right where you’re at is so important to find the happiness in your life,” says Koldeway.

Keep in mind, no matter what age, everyone has different body types and skill levels, says Geraghty. As we get older, a regular yoga practice can help you with flexibility.

But even if it only helps you maintain what balance and bendiness you already have, she says that’s much better

than losing it. Above all else, Geraghty says to remember to listen to your unique body.

“Know that you’re in charge of

your body…come out of a pose if you need to. And always respect what your body is telling you.”

For Advanced Yogis—

A Wheel ProP To love Maybe you already use props in your yoga practice.

Ever try a Mandala Yoga Wheel? This prop comes in handy as your yoga practices advances and you establish good balance. Whether to stabilize the body during headstand, or hold onto something during pigeon pose, it makes yoga more fun. Or simply roll on it to stretch tired back muscles.

12” Mandala Yoga Wheel retails for $89.

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Staying Fit and Vibrant in retirement

By Judy Finman for Reporter-Herald Opportunities abound for retirees in northern Colorado to challenge their minds, strengthen their bodies, and enhance their lives.

Here are three local resources for older adults to consider:

Classes and day-trips are just two of the ways that Osher Lifelong Learning Institute helps keep retirees active.

(Photos courtesy of Colorado State University Online.)

O s h e r Li f e LO n g Lear n i n g i n stitute

The Osher Lifelong Learning Institute at Colorado State University is a member-based, member-driven learning community for curious minds of all ages. Students are mostly age 50 and older.

The classes are taught by instructors or other experts and are held face-to-face, as contrasted with online. Typical classes meet once a week for two hours for six weeks. But there are several variations on this – some classes are of shorter duration, and occasionally classes run eight weeks or more. One-time lectures and daylong trips – for example, to look at geological sites – are also in the mix.

Many classes have become favorites. Co-director Jean Morgenweck says, “People love our global and cultural affairs classes, like Shaping U.S. Policies, and Societal Progress. And they love our nature programs, and history, and science classes like The Healing Brain. And they love art and design and exploring their creative side in retirement.”

In the works is a first – a travel program, which Morgenweck describes as an educational excursion in art, culture, and the envi-

ronment in Cuba. It is scheduled for January 2017.

“The students are a very diverse group. They love to network, share, debate – everybody participates. It’s a warm and welcoming community. We have something for everyone. We extend a welcome to Loveland and northern Colorado. Come grow with us.

“All the research confirms that people who stay active socially, mentally and physically are the happiest and healthiest.”

ColoRado State UniveRSity diviSion oF ContinUing edUCation drake Hall, 2545 Research Blvd., For t Collins, 970.491.7753, www.online.colostate.edu/osher February 28, 2016

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“We partner with McKee and UC Health to provide health education, balance classes, special events, blood pressure checks, unique health courses and seminars specific to older adults. We have an array of health services, like flu immunizations.”

A healthy meal is served at the Senior Center on Monday, Tuesday, Thursday, and Friday at noon by the Volunteers of America Senior Nutrition Program to those who are 60 and over and their spouses, for a suggested donation of $2.50.

There is monthly entertainment as well. Reservations are required.

Chilson Senior Center provides the community of Loveland a bimonthly newsletter that is full of information. There is also a full quarterly catalog, called Leisure Times Activity Guide, that is filled with events, classes, fitness and more. You can access both on their website or sign up to receive an Classes and group activities help keep they mind and body active. Photo by Jenny Sparks/ Reporter-Herald email copy.

“To older individuals coming into our community: Come down to the Chilson Senior Center is a community grams and activities that help meet social, Senior Center. It’s great to see new friendfocal point, dedicated to offering fellowrecreational and health needs. We offer ships develop,” Brush says. ship in a friendly atmosphere for recextensive fitness classes geared toward the reational, cultural, health and support active older generation to improve strength services for senior adults. The five values and flexibility.” of the center are: Among other activities, the Senior • Activity and Exercise Center Chilson senior Center Center offers drop-in table tennis and • Hospitality mahjong, twice-monthly dances, and day 700 e. 4th st., loveland • Learning and Teaching Opportunities, trips to museums, shows and lunch spots.

970.962.2783 • Recreation It hosts a number of senior organizations • Information and Referral Services ci.loveland.co.us/index. that meet there monthly or weekly, like the Program Supervisor, Elaine Brush, draws Golden “K” Kiwanis, National Associaaspx?page=234 upon the Senior Center’s mission: “We tion of Retired Federal Employees, Rhythm reach out to the community to offer proSingers and Fishing Club.

C h i ls o n s e n i o r C e nte r

trust Paul Hummel

Chartered Financial Consultant tant® (970) 669-9720

Tyler Rusch

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Investment Centers of America, Inc. (ICA) member FINRA, SIPC, is not affiliated with Home State Bank. Securities, advisory services, and insurance products offered through ICA and affiliated insurance agencies are *not insured by the FDIC or any other Federal Government agency *not a deposit or other obligation of, or guaranteed by any bank or their affiliates *subject to risks including the possible loss of principal amount invested.

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Also seeing patients in our Cheyenne office

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February 28, 2016

C u rve s Body Balance at Curves is a low-intensity class designed to improve balance, stability and core strength. In 30 minutes, you’ll also perform exercises using the strength machines on the Curves circuit. Led by a Curves coach, this class is recommended for most fitness levels and for anyone who wants to improve overall balance.

Curves Co-owner/Manager JoEllen Amundson says, “As we age, better balance not only helps prevent falls, it can raise your quality of life. You’ll be fitter for the playground with your grandkid, on the golf course, tennis court, or dance floor. The time to practice balance is now, and you can begin today with the Body Balance class at Curves.

“Several factors affect how steady we are on our feet, including muscle strength and mind-body connection. The Body Balance class has you covered on both fronts. You will build total body strength working your way around the circuit, and between each of the machine stations you’ll do a single leg balance exercise like the tree pose from yoga.

Amundson shares some of her clients’ comments about the program. “One woman said, ‘Body Balance strengthens my muscles for other exercises – an added benefit.’ An 83-year old woman who attends with her daughter said she had been feeling feeble and was on a lot of medications when she came to Curves, and now she says the program saved her from ‘going into old age,’ and she is off her blood pressure medication. Another client said, ‘Having to balance prevents falls, especially in the winter; you may slip.

But better balance helps you regain your equilibrium.’

“You can come in and try us for three classes free of charge,” Amundson says. “We welcome you.”

Curves, 280 e. 29th st., Loveland 970.669.9400, cur veslocal.com/4254/cur ves-fitness.aspx

At Columbine, you're family.

www.columbinehealth.com February 28, 2016

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“All the research confirms that people who stay active socially, mentally and physically are the happiest and healthiest.”

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RetiRement ResouRces

2016 Resource Guide AssistAnce Food Bank for Larimer County House of Neighborly Service IRS Internal Revenue Service Larimer County Human Services Larimer County Social Security LEAP – Low Income Energy Assistance Program Meals on Wheels Neighbor to Neighbor Salvation Army Social Security Admin.

Social Security Hot Line – National United Way of Loveland

970-744-4600 970-667-4939 800-829-1040 970-679-4451 970-336-7385 970-498-7730 970-667-0311 970-663-4163 970-207-4472 866-336-7385 800-772-1213 970-669-1450

community ResouRces & seRvices Loveland Reporter Herald 970-669-5050 Chilson Senior Center 970-962-2783 City of Loveland Transit (COLT) 970-962-2700 Berthoud Area Transportation Service (BATS) 970-532-3049

emeRgency telephone numbeRs Berthoud Police 970-532-2611 Colorado Road Conditions 877-315-7623 Colorado State Patrol 970-224-6425 Fort Collins Police 970-221-6540 Larimer County Sheriff’s Office 970-498-5100 Loveland Police

970-667-2151

McKee Medical Center Emergency Room

970-669-4640

Medical Center of the Rockies Emergency Room

970-624-1600

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FinAnciAl seRvices Investment Centers of America Retirement Mastery Summitview Advisor

970-203-6100 970-310-4084 970-663-7511

Foot cARe A Step Ahead Foot & Ankle Center

970-493-4660

heARing seRvices Connect Hearing

970-461-7905

medicARe & medicAid inFoRmAtion Senior Benefits 970-670-0123 Medicare Choices Helpline 800-633-4227 Medicaid – Human Services 970-679-4451 pet & AnimAl Poudre Pet and Feed Animal Control – Humane Society of Larimer County

970-226-3647

senioR housing Columbine Health Good Samaritan Society

970-482-0198 970-669-3100

tRAvel Travel Leaders

970-669-5010

970-800-3967

vision ResouRces Dr. Jennifer Cecil

970-669-8998

to be included in next year’s Resource guide, please call linda story, 970-635-3614

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February 28, 2016

RetiRement ResouRces

New Website Set To Help 44 Million Americans Navigate Life After Age 65 Duo Behind Well Known Business Success Story Launches Senior Housing Startup AUSTIN, Texas, Feb. 16, 2016 / PRNewswire

SeniorAdvice.com just went live as the first website to connect older people and their support systems directly to more than 50,000 housing options.

The new, free senior living search engine contains comprehensive information on providers nationwide, including assisted living, nursing homes, memory care, home healthcare, independent living, adult day services, retirement homes, respite care, and hospice care.

SeniorAdvice.com offers news and guidance for older people and their support systems. The content covers everything from senior issues in the current presidential race to knowing when it’s time to consider memory care. The search engine helps narrow housing options so you can contact places yourself or get in touch with someone who can help you research the possibilities and set up appointments to visit.

To read about how to pay for nursing home care, go to: senioradvice.com/articles/howto-pay-for-nursing-home-care.

CEO and founder Ryan Patterson started work on SeniorAdvice.com when he joined the 43 million other adults who are caring for aging loved ones, “My grandmother died last year. Leading up to that February 28, 2016

SeniorAdvice.com offers news and guidance for older people and their support systems. The content covers everything from senior issues in the current presidential race to knowing when it’s time to consider memory care. The search engine helps narrow housing options so you can contact places yourself or get in touch with someone who can help you research the possibilities and set up appointments to visit. http://photos.prnewswire.com/prnh/20160216/333642-INFO

moment, I found myself utterly confused by what kinds of care she needed, how to find it, and how to pay for it. That’s hard, especially when you love someone and want to make sure you’re doing the very best for them.”

Patterson and SeniorAdvice. com primary investor Jim Waltrip have found success before by seeing a problem and finding a web based solution. In the early 2000’s, they founded All Web Leads. The company matched people seeking affordable insurance with companies that could provide it. After

building All Web Leads into the world’s second largest insurance shopping network, Patterson and Waltrip sold it in 2013.

SeniorAdvice.com is the only senior housing internet search engine that does not require users to provide personal information to get in touch with the facilities listed. Users can contact providers directly, or SeniorAdvice.com can connect them to senior care advisors if they want help setting up appointments with or vetting senior living facilities.

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ABOUT SeNIORADvIce.cOm Launched in 2016, SeniorAdvice.com is a search engine of senior living options and a senior care information resource. SeniorAdvice.com dedicates five percent of its profits to nonprofits serving the aging community. The company has established two scholarship programs, one for young people who volunteer with senior citizens and one to honor young people who help care for aging family members.

SOURCE SeniorAdvice.com

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MEDICAL SURGICAL

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Across from the Post Office on 29th Street

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Introducing Dr. McClure, in practice since Distinctive 2014 with Eyewear a Doctor of Optical Shop Optometry degree 669-2488 from Indiana University School of Optometry

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RetiRement ResouRces

10 Extraordinary Discounts People Age 50 and Above Should Know About From Electronics to Entertainment, AARP Members Can Access a Variety of Everyday Savings WASHINGTON, Oct. 21, 2015 / PRNewswire/ Many AARP members already know of the discounts available to them on travel-related goods and services, such as car rentals, hotels, vacation packages and cruises. However, they might be surprised to learn they qualify for discounts on everyday costs, such as groceries, car maintenance and movie tickets.

“AARP members often tell us they enjoy the popular travel and dining discounts that are available to them,” said Angela Jones, senior vice president, business development and lifestyle products at AARP Services, Inc. “In fact, since Denny’s launched their promotion in 2010, AARP members have utilized the discount more than 48 million times.”

However, they might not know they are missing out on additional opportunities to save every day, Jones added. With an AARP membership, Americans 50 and over can save on electronics, concerts, pet insurance plans, shipping costs and even regular car maintenance.

In addition to popular travel offers, AARP members can save on the following products and services:

movie tickets

Regal Entertainment Group offers AARP members up to 25 percent off Regal movie tickets as well as $3 off a small or

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larger-size popcorn and soft drink combo.

e-readers and Books

AARP members save 10 percent on Amazon Kindle e-readers, 50 percent on a selection of Kindle eBooks and 10 percent on a selection of print and audio books on Amazon.com.

Car maintenance

By presenting their AARP membership card at time of service, AARP members save 10 percent on auto repairs at any RepairPal certified shop.

Shoes

AARP members save 20 percent on their entire purchase at any Reebok and Rockport Outlet Store or on Reebok.com.

dining

AARP members receive 15 percent off every day at Outback Steakhouse, Carrabba’s Italian Grill and Bonefish Grill; 15 percent off the entire check at Denny’s; 10 percent off at any of the 500 Landry’s Inc. restaurants nationwide, including McCormick & Schmick’s, Claim Jumper, Chart House and more.

Shipping

AARP members receive 15 percent off eligible products and services and 5 percent off domestic and international UPS® shipping services when using their AARP membership card at over 4,500 retail The UPS Store locations.

Pet insurance

Pet owners save 10 percent February 28, 2016

RetiRement ResouRces or more insurance plans with Petplan pet insurance when they sign up online. They also receive up to a $35 Petplan Visa® Prepaid Card (restrictions may apply) to help with pet wellness expenses.

grocery and Household items

AARP members receive instant savings on featured products by swiping their AARP membership card at select Meijer, Family Dollar and Fred’s Super Dollar locations, and earn 10 percent back on every order of delicious foods delivered right to their door by Schwan’s Home Service.

Concerts and Shows

AARP members save 25 percent or more when buying event tickets in groups of four from Ticketmaster, and save up to 30 percent on Cirque du Soleil shows.

mobile Phone Service

AARP members can choose from a variety of wireless service providers, including Consumer Cellular, AT&T and Cricket Wireless.

Consumer Cellular offers AARP members a 5 percent discount on monthly service charges and a 30 percent discount on eligible accessories, AT&T offers AARP members a 10 percent discount on the monthly service charge of qualifying wireless plans and a 15 percent discount on eligible accessories, and Cricket Wireless offers a $20 mail-in rebate for each line of service with February 28, 2016

the purchase of a phone.

AARP memberships cost just $16 a year and can often be recouped by using just a few of the many discounts available.

To take advantage of any discount or service offered to AARP members, or to find out about all the ways AARP members can save, download the free AARP Member Advantages Offer Finder mobile app for iOS and Android devices or visit aarpdiscounts.com.

About AArP SerViCeS, inC. AARP Services, Inc., founded in 1999, is a wholly-owned taxable subsidiary of AARP. AARP Services manages the provider relationships for and performs quality control oversight of the wide range of products and services that carry the AARP name and are made available by independent providers as benefits to AARP’s millions of members. The provider offers currently span health products, financial products, travel and leisure products, and life event services. Specific products include Medicare supplemental insurance; credit cards; auto and home, mobile home and motorcycle insurance, life insurance and annuities; member discounts on rental cars, cruises, vacation packages and lodging; special offers on technology and gifts; pharmacy services; and legal services. AARP Services also engages in new product development activities for AARP and provides certain consulting services to outside companies.

SOURCE AARP Services, Inc.

AgingCare.com Launches Tool to Help Older Adults Save Money on Prescriptions Paying for prescription medications just got easier for families who frequent AgingCare.com, the go-to destination for family caregivers. The newly released Prescription Drug Assistance Program Locator enables older adults and their families to search for financial aid programs for prescription medications.

“Each month, aging Americans are confronted by thousands of dollars in prescription drug costs that eat into their already limited financial resources,” says Joe Buckheit, president of AgingCare.com.

“The Prescription Drug Assistance Program Locator empowers caregivers to help their families rein in these costs by providing them with a centralized place to find financial aid for medications.”

The Prescription Drug Assistance Program Locator tool splits financial aid programs up into three key categories: Nationwide Non- Profit Programs, State-by-State Programs and Pharmaceutical Company Programs Prescription medication payments make up more than 16 percent of the health care costs for the average Medicare beneficiary. Even with the inception of Medicare Part D, beneficiaries who fall into the “donut hole” coverage gap can find themselves facing thousands of dollars in out-of-pocket fees for costly drugs.

“My parents live on Social Security only and, by the end of the month, they are broke and can’t pay for their medications. They don’t qualify for Medicaid. What can I do?” Mary, an AgingCare. com member, inquires on the Caregiver Support Forum.

“My mom is in assisted living and all of her income goes towards rent and medication, with nothing left over,” laments Chris, another caregiver.

Reporter-Herald – ReporterHerald.com

Helping caregivers fill financial and information gaps Older adults’ out-of-pocket prescription costs can quickly add up. A2012 survey by the Commonwealth Fund found that 28 percent of chronically ill adults skipped doses or did not fill prescriptions for conditions such as diabetes, high blood pressure, lung and heart disease because they could not afford them, leading to countless deaths and hospitalizations.

AgingCare.com’s multi-faceted search tool combats this epidemic by connecting caregivers with over 100 different assistance programs.

The Prescription Drug Assistance Program Locator is just the latest in a series of resources created by AgingCare.com to serve family caregivers, including thousands of articles authored by elder care experts, a forum where caregivers can dialogue with one another in realtime, and the Caregivers’ Resource Library, with free eBooks on topics like Alzheimer’s Care, Home Care and the Caregiver’s Survival Guide.

“When you become a caregiver, there’s so much you don’t know, especially in the first few months,” says Buckheit, whose mother and mother-in-law both looked after their aging parents. “Unfortunately, what you don’t know can hurt you and your family. Our mission has always been to identify the information needs of family caregivers and create dynamic resources to help them fill these knowledge gaps.”

About AgingCAre.Com AgingCare.com is the go-to destination for family caregivers, providing trusted information, practical answers to real-life questions, and ongoing support through every challenge. Our mission is to help families prepare for and navigate the care of an elderly loved one. Visit www.AgingCare.com to learn more.

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Solid aS a Rock: 8 Ways to Maintain Financial Security Through Retirement

By Laura Hobbs for Reporter Herald

Looking back, you spent your entire career planning, saving and day-dreaming for retirement: the phase of your life where you can stop working and start making your money work for you. But unless your pension is burgeoning or you keep working to some degree, the notion of dipping from a limited pool of money can be worrisome—if not downright alarming.

Holly Stewart, a financial advisor at Summit View Advisors in Loveland, can’t stress the importance of saving enough.

“When you’re preparing for retirement, make sure you have

Creating a budget is an important step in retirement planning.

enough money saved,” she warns. “And be careful not to make financial decisions with your emotions.”

Stress over market down-

RETIREMENT SURVIVAL UPDATE SEMINAR Learn about the NEW changes to Medicare, Medicaid, Social Security, IRAs, 401(k) plans as well as the…Growing Money Bubble Crisis.

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Tuesday, March 22 3:00 to 4:30 Call to reserve your seat

(970) 667-2255

(970) 667-2255

Ron Richards, CFEd Certified Financial Educator

Plan to Attend This Free Educational Session

Retirement Mastery and Ron Richards are not engaged in tendering investment, tax, or legal advice, federal and state tax law regulations are subject to change if investment, tax, or legal advice is required, seek the services of a qualified professional.

12 RetiRement guide

turns, unexpected bills, and heavy dependence on financial assets can derail your enjoyment of these golden decades.

But with the proper preparation, fine-tuned attention to detail, and a little financial grooming, you can protect yourself and your assets from financial disaster. Here are eight ways to maintain solid financial footing through your retirement.

Create a budget

Your money is one of your most precious commodities, and you should be able to account for every dollar. But it’s easy to become complacent about spending: monthly bills, nice meals or a matinee movie shouldn’t be agonized over.

By creating a monthly budget, you’ll see exactly where your money’s going and where you can cut a few corners. “Be sure to include money for all the fun things you want to do once you’re retired,” says Stewart.

“You should also include funds to cover if your partner passes away and part of the income is lost.”

downsize

Many retirees are empty

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nesters—and many empty nesters end up with more space than they need. If you find yourself living in a four or five-bedroom home with most of the rooms sitting empty, consider putting your oversized house on the market and moving to a smaller home that fits your needs and your budget.

Downsizing can grow your retirement nest egg by several years, even after the expenses of realtor commissions and moving costs. Plus, living in a smaller home will reduce ongoing expenses including utilities and property taxes.

And the downsizing doesn’t stop at your home. Own multiple automobiles? Consider selling one of them, if it’s a viable option. Selling the car that sits in the driveway will put extra cash in your pocket, cut down insurance costs, and save on gas and maintenance.

Keep emergency cash topped up

During the working years, an emergency reserve should be between three and six months of living expenses. But in retirement, the rules are different: You’ll want at least 12 to 18 months of cash reserves so you’re not left out to dry should an emergency arise.

Some consider this idle cash an opportunity cost, since cash doesn’t earn much interest, but the comfort and safety are worth every penny unearned.

examine recurring bills

Cellphone plans, gym memberships, cable TV, insurance: These bills can add up quickly.

By reviewing your monthly payments, you can see how much you’re spending and where you can save. For exFebruary 28, 2016

ample, many retirees find they can replace their $90 a month cable package with a $12 a month streaming video service, like Netflix or Hulu. Cellphones can also be a high-cost culprit; check your bill to see if you’re paying for extra data or minutes that you don’t use.

Some providers, like AT&T and Verizon Wireless, offer plans designed specifically for seniors, which are affordable and don’t come with long-term contracts.

maintain a healthy investment portfolio

It’s the scary truth: No investment portfolio, no matter how diversified, is completely safe from a market downturn. “Realize in advance that you won’t want to take as much risk with your retirement money as you get older,” Stewart says, “there’s just no way to recoup

losses after you enter retirement, so a conservative approach makes sense.”

To keep your investment portfolio healthy, be sure your more conservative holdings equal enough to cover three to five years of living expenses.

After an unexpected dip, these holdings will serve as a safety net while your more aggressive assets recover.

Be debt-free

Don’t be fooled: Borrowing money is only artificially cheap.

Even with low interest loans, you can only get so excited about paying off a 1.9 percent car note or a 3.5 percent mortgage. Stewart recommends retirees be wary of new investments, especially in real estate.

“I think this type of debt is very dangerous; what if they can’t keep the property rented?” she hypothesizes. “Often, their per-

sonal income can’t sustain the payments for an ongoing period and as a result, they could be forced to sell the rental property at a fire sale, potentially exposing them to a significant loss of the original invested principal.”

Being completely debt-free has enormous emotional value.

In retirement, losing your home or your real estate investments is one of the biggest financial insecurities. If you have the financial ability to take those risks off the table, you’ll feel infinitely more secure, and you’ll sleep better at night.

up quickly. Remember, it never hurts to ask.

don’t do nothing

Enjoying a happy retirement doesn’t mean falling off the face of the earth. This is your time to dive headfirst into the creative, fulfilling outlets you never had time for while working. Whether it’s travel, more time with friends, culinary skills, bird watching or cruiseship hopping, make sure you’re living the life you set your sights on all those years ago.

Having financial freedom gives you the opportunity to move forward with the interests that inspire you.

Like all of life’s milestones, preparation and planning are paramount. With a thoughtfully designed retirement plan, you’ll be well on your way to enjoying the golden years you spent your career planning for.

Be a bargain hunter

Restaurants, retail chains, entertainment venues, hotels and many other places offer senior discounts. While they may initially seem paltry, don’t knock ‘em; even at 10 to 15 percent, these discounts add

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13

Go Big: Trips for a Long Weekend

By Adam Martin for Reporter -Herald

As important as it is to carve out downtime for yourself, there’s a problem. Downtime requires time. With other commitments and obligations, many find it hard to commit to a week or more of time to get away. On top of that, longer trips can be expensive.

Get ready for some good news. Kristy Osborn of Travel Leaders here in Loveland says there are several trips worth taking that won’t require more time than a long weekend.

That’s right. You can give yourself that much needed break without burning more than one measly weekday.

Here’s how.

gLenWOOd SPRingS

Osborn’s top suggestion is Glenwood Springs for several compelling reasons. First, you can get there by train. Amtrak has daily routes to and from Glenwood Springs, which means you don’t have to mess with driving. Talk about convenient.

Of course, hassle-free travel doesn’t amount to much if the destination isn’t compelling.

That’s where Glenwood Springs really shines. Regardless of the time of year, there are a variety of epic activities.

The Glenwood Hot Springs Pool is the largest pool of its kind in the world, and it’s open whether it’s warm or snowing.

History buffs will enjoy taking in the Hotel Colorado, which is said to be haunted, as well as visiting the grave of infamous gunslinger and gambler Doc Holliday.

If you’re looking for outdoor activities, there’s white water rafting, breath-taking hikes, like the Hanging Lake Trail, and multiple ski resorts, including Glenwood’s own Sunlight, as

14 RetiRement guide

The Stanley Hotel, Estes Park, CO. (Phillip Rubino / Shutterstock.com)

well as Aspen and Vale, which are both less than an hour away.

Finally, there’s the Glenwood Caverns Adventure Park, which is home to the historic Fairy Caves, thrill rides, and several other attractions.

In other words, there is quite literally something for everyone in Glenwood Springs. And if you’re on the prowl for something more low key, the town itself is charming, making it a great place to unwind in peace.

eSteS PARK

At only an hour away, Estes Park offers plenty of fun activities without obligating you to a long drive.

In the winter months, snow shoeing and cross country skiing are both popular pastimes.

There are trails for outdoor enthusiasts of all levels. The Rocky Mountain National Park is a great place for camping, hiking, and wildlife watching.

If you’re looking for something a little different, there are several horseback riding services in the area offering rides that range from 1 to 8 hours. You can even book overnight rides.

And no worries if it’s your first time in the saddle. The pros will make sure you and your companions, even the youngest grandkids, are taken care of.

Finally, for a less outdoorsy option, consider paying a visit to The Stanley Hotel, made famous by the 1980 film, The Shining. Nightly ghost tours are available for those interested in the hotel’s paranormal past.

COLORAdO SPRingS

Last on Osborn’s list of local get-aways is Colorado Springs.

Colorado Springs is in close proximity to several natural wonders, including both the Royal Gorge Bridge and Park and the Garden of the Gods.

The Royal Gorge Bridge and Park boasts the world’s highest suspension bridge, which is, in and of itself, a sight to behold.

But the park has several other attractions, including zip lining, a gondola, and even a one-mile miniature train ride that’s fun for both adults and kids.

The Garden of the Gods makes for another well-rounded option, including outdoor activities, like trails for hiking and biking, as well as a museum

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that explores the park’s geological and cultural past.

Colorado Springs is also home to the United States Air Force Academy and the National Museum of World War II Aviation. The Academy’s visitor center is a beautiful facility, complete with exhibits and a gift shop. It’s well worth a visit.

To top it all off with some shopping and plenty of options for good food and drink, be sure to swing by the Old Colorado City Historic District.

Any one of these three options is wildly scalable. There are plenty of free and inexpensive activities, so they work for any budget. Plus, there truly is something that will appeal to everyone.

If you’re interested in booking a 3 to 4 day long weekend trip, be sure to give Kristy Osborn a call at 970.669.5010. She and the rest of the Travel Leaders staff can make arrangements for train tickets, car rental, hotels, admission to almost any attraction, and more. A mini-vacation just doesn’t get easier.

February 28, 2016

Stay Home: Weekend fun in your neigborhood

By Misty Kaiser, Reporter-Herald

Sometimes staying close to home is the most relaxing thing you can do. Think wine by the fireplace or barbecue in the back yard. There’s just something to be said for taking it easy and really enjoying own space.

Even if you don’t actually stay in your house, a simple evening out can go a long way toward making an average weekend feel like a special occasion without breaking the bank.

One of the best options is dinner and a show. Live theater feels like more of a dress up occasion than simply taking in a movie, so dig out the fancy duds that you think you never have occasion to wear, and make this the one.

Here are some suggestions:

Lucile’s and the Lincoln

Lucille’s in Fort Collins presents a creole menu that will have you thinking you’ve taken a wrong turn and ended up smack in the middle of the Big Easy.

Even if all you do is stop off for some chicory coffee and sugar dusted beignets, it won’t be a trip wasted.

From there make your way to

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the Lincoln Center for a line-up that offers something for every taste from live music and comedy to plays and musicals.

Prices will vary depending on your choice, but The North Plan, running now through March 19, has a special price of $15-$18 for seniors 60 and over.

LuciLe’s RestauRant 400 s. Meldrum st., Fort collins (970) 224-5464 luciles.com tHe LincoLn centeR 417 W. Magnolia st., Fort collins Box office 970.221.6730 Box office hours are 12 to 6 p.m., tuesday through saturday and one hour prior to performances, closing 30 minutes past the day’s final curtain time. lctix.com

upgrades are available, so no matter how many times you go, the experience will always be different. Prices vary depending on day of the week, time of the run, and the menu options you choose, so visit their website for a full range of options. candLeLigHt dinneR PLayHouse 4747 Marketplace dr, Johnstown Box office: 970.744.3747 coloradocandlelight.com ———————————————

door 222 & the Rialto theater

If you don’t want to make two trips, Door 222 is right next door to The Rialto Theater in Loveland and it’s the perfect location to enjoy a chef-prepared meal prior to your chosen

show.

Not all that hungry? Order up some tapas or use the chance to have your delectable dessert first.

Shows at The Rialto Theater vary from concerts and dance to classic theatrical performances. Of course you could always opt for both with Pirates of Penzance presented by Opera Colorado, February 26-28 and again March 4-6. Senior price is $25. dooR 222 222 e. 4th st.Loveland 970-541-3020, door222.com RiaLto tHeateR 503 n. Lincoln ave., Loveland 970.962.2910 rialtotheatercenter.org

———————————————

two Birds with one Place

Candlelight Dinner Playhouse in Johnstown gives you both dinner and the show for one price at one easy location.

This season presents some classic Broadway hits on stage such as Hello Dolly!, South Pacific and Into The Woods.

Meals are themed in accordance with each performance and

Holly Stewart, AAMS President of Summitview Advisors

Invites you to a

“Back of the napkin” 10 minute presentation

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15

At the Good Samaritan Society, the promise of providing exceptional senior care options isn’t just something found in a mission statement. It’s at the core of who we are. For over 40 years, the Good Samaritan Society-Loveland Village has red housing and supportive services to seniors of all faiths and beliefs.

Proud to be celebrating over 40 years in Loveland.

To learn more, visit www ww ww.good-sam.com. w

16 RetiRement guide

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February 28, 2016