#3 The gallup senior guide 2014

Gallup 2014–2015

GENE PECHECO Senior of the Year His Story PAGE 4

Beware of Scams Adopting the Right Pet Retirement Strategies

CELEBRATING SENIOR VETERANS IN ‘THE MOST PATRIOTIC SMALL TOWN IN AMERICA’

Gallup Senior Guide 2014

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Determined to succeed –

one bootstrap at a time

Gene Pacheco: Gallup’s Senior of the Year 2014

By Stacey Hollebeek

T

here are host of reasons why we here in Gallup love Gene Pacheco, not the least of which is his work ethic; although from humble beginnings, the man is your typical American boot-strap story, working his way up to successful local business owner, and generous local giver.

When Pacheco was 13 years old, he decided that he needed a job. The oldest of four hungry boys from a family of humble farmers, he was accustomed to hard work, as his dad had been taking him to labor in the fields with him since he was 9 or 10. So, young Pacheco took himself down to the local Valley Oil Service Station in Bloomfield, NM, on his way home from school and asked the owner for a job cleaning windows, or whatever he might have for him to do. The owner took one

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look at the kid, his short stature that could barely reach the windows, and told him that if he would clean up the junkfilled empty lot next to the service station, he would give him a job, and then thought the matter was over.

Over the next few weeks and months, however, while all his buddies went home after school, or over to the baseball field for a game or two, Pacheco slowly cleared that impossible lot of all its junk, one slow heartbreaking afternoon after another.

Until finally he emptied that lot of all its tires, car parts, dead batteries, years of refuse. The owner kept his word, giving Pacheco a job pumping gas, cleaning windshields and even supplied a stool for him so he could reach the oil sticks to check customers’ oil.

From that point on, it was Pacheco’s dream to own his own service stations.

“The guy was working all the time,” says Pacheco’s younger brother Tobe, who currently lives in Albuquerque. “When Dad used to take Gene around with him to work as a farmer with him all day, I don’t think he ever complained. Later, I got to play baseball and such, but he was never able to.”

In high school, Gene Pacheco was trusted enough to drive a fuel delivery truck for Valley Oil, driving the shorter bobtail truck all over Bloomfield’s surrounding countryside. He never made it to college, getting drafted into the Army instead, and shipped off to Germany for his first go-around. When he returned, his company had changed, and instead of getting his old job back, Pacheco was told he was getting sent to Gallup.

“I asked them, ‘Is there any other place you can send me?’” he said, letting out a chuckle.

But, Pacheco moved to Gallup in 1960, thinking he would make the best of it, and has moved away just once in the last 54 years, when he was called back into the army for the Berlin Crisis in 1961. When he came back to Gallup a year later, he eventually met Corrine, his beloved wife, and they married in 1967, making him an instant father to Corrine’s two sons Gallup Senior Guide 2014

from her previous marriage to Emilio Esparza, an electrician electrocuted on the job.

“I wanted to go on the honeymoon with them!” says Kenneth (Tinker) Esparza, who was nine when his mother married Gene. “I always say ‘God took my father, but he gave me another in return.’ He’s my dad and I love him. Actually, he’s more than a dad—he’s my best friend.”

Pacheco continued to work delivering petroleum to service stations all over the Four Corners area, sometimes driving through six inches of snow to get it there, and slowly moving up the El Paso Products, and later Shell Oil ladder, respected for his integrity and work ethic.

“A lot of those guys [Gene worked with] had college degrees,” said Brent Pacheco, Pacheco and Corrine’s youngest of the three sons. “But his actions spoke louder than the piece of paper, I guess.”

When Pacheco’s dream did come true and he was able to purchase the local Rogers Oil with his business partner Bob Rogers, making it Pacheco-Rogers Oil Company in 1973, he treated his employees of the seven area service stations they ran with the same honor his first boss had bestowed upon him as a kid.

“He always trusted his employees,” Brent said. “They were good to him, and he was good to them.”

Self-educated in financial matters, and a stickler for cleanliness, Pacheco made sure to pay his employees weekly, and kept his stations closed on holidays so his employees could spend time with their families. However, if an employee ever did want to work a holiday to make overtime plus commission on gas sold that day, Pacheco would make a plate from his own family holiday meal and drive it to the employee while they worked. “His employees became family, but if they moved on to other things, he was always happy for them, happy they had excelled,” he said. He always wanted the best for them.”

Brent and the family still have Gallup residents come up to them at community gatherings, telling them how Pacheco was “the best boss I ever had,” and how much they appreciate all they did for them as an employer, or as a financial coach and backer of their business endeavors.

Besides caring for his employees, Pacheco took care of his customers, personally guaranteed everything his stations sold — from Shell gasoline, to tires and batteries — that it was the best on the market. He didn’t cut any corners, but saved money the old fashioned way: when other gas services drove the latest and Continued on page 6 Gallup Senior Guide 2014

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greatest vehicles, Pacheco put his on a maintenance plan and drove them a little longer.

Only a year after he got into the gas business, the oil crisis of 1973 occurred, causing gas rationing and shortages all over the United States. But somehow, thanks to his connections all over the Southwest, and his work ethic, Pacheco managed to keep all his stations filled. Often when the gas truck was coming in late, he would meet the trucks himself when they arrived at 1 or 2 am. make sure everything was delivered as promised, sign the papers, and send the driver on his way.

Yet, he would be back at work the next morning before the kids got up for school.

“He was always a good provider for our family,” Brent said. “It wasn’t a big deal when he met those trucks at 1:30 in the morning— it was just his job. He didn’t want recognition for it.”

And so Gallup appreciates Pacheco for the honest and caring employer that he was, providing hundreds of jobs to Gallup citizens who otherwise might have had nothing. But we also appreciate him for all he’s done for our community in his retirement.

After he sold his business in 1998 and wasn’t working such long hours anymore, Pacheco could join the Gallup Elks Lodge, volunteer with the Community Service Center and help out the city with beautification projects. He planted the trees on the northwest and southwest corners of Maloney and Ford Drive/State Highway 609, across from the Community Food Pantry. He has delivered food baskets with the Elks every Thanksgiving season, often stocked with food he paid for out of his own pockets and quietly donated.

“It’s always nice to deliver, especially when the kids see the food and candy,” he said. “It’s always great to see them. We get names of people who might need help from the schools, some teachers help us, through word of mouth.”

Every Friday night for the last number of years, Pacheco made all the salads at the Elk Lodge’s fundraiser suppers, again donating most of the ingredients himself.

“We called them the ‘best salad around.’ He’s just a wonderful man,” said MaryAnn Armijo, who worked with him through the Elks and the Democratic Party. “Any time anybody needs any kind of help he’s always there. If I need a ride [with my poor eyesight], I can call Gene. A lot of people

would think I’m a bother, but even if I call Gene at the last minute, he says, ‘Don’t worry, MaryAnn, I’ll be there in 15 minutes.’”

A life-long Ford fan — of anything made in America — and Democrat, Pacheco has been the long-time secretary/ treasurer for the McKinley County Democratic Party. Too committed to his family and business to run for any office himself; though, at one time nominated for the New Mexico State Police Commission. Pacheco worked on several democratic campaigns, including Governor Toney Anaya’s election as New Mexico’s 26 governor back in 1983.

“I feel the Democratic Party is for the working man, and I’ve always worked,” he said.

He carries the party philosophy over into his personal life as well, generously handing out money or work to anyone he sees in need, another reason Gallup citizens appreciate him and voted him Gallup Senior of the Year. “If he’s not drunk, and if I see it’s not for booze, you bet I’ll help,” he said. “It’s just in me… if someone needs a quarter and I have it, I’ll give it to him. I grew up poor; I will help if I can.”

From all these gifts from Pacheco that we in Gallup have enjoyed; however, Pacheco seems best loved for his sense of humor and his love for playing jokes and crank calls on friends and family, one of the few hobbies he allowed himself over the years.

“Grandpa Gene has the most amazing sense of humor,” said Emilo Esparza, Pacheco’s grandson who recently moved to Las Vegas, NV. “Two months ago he crank called me and left a message, talking like he worked for the Navajo Nation in Crownpoint and how I shouldn’t live in Vegas ‘cause it’s too crazy up there,’ and he started talking in Navajo — he knows a fair amount of Navajo — how I should live in Crownpoint, because it’s beautiful there!”

Over the years, Pacheco has played his good-natured jokes on his grandkids, his Gallup neighbors, his wife’s bowling buddies, and his friends he still meets every morning for coffee at McDonalds.

“Grandpa Gene instilled in us to really enjoy life, but to also work really hard, and enjoy what you have,” Esparza said.

“Work hard for your money, and spend it wisely, but enjoy life!”

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Gallup Senior Guide 2014

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Cover story: Gene Pacheco Determined to succeed – one bootstrap at a time Featured story: senior veterans share military stories How to protect yourself from fraud Save headaches by planning ahead for vacation Have you expressed your health care wishes?

Closing a retirement income gap In search of a four-legged friend?

Gallup flea market treasures A rez original: Window Rock flea mart Are trusts better than wills?

From baggy pants to cellphones: Seniors share perspectives, advice How the gift of music changed one man’s life

Issue 3

2014–2015

Publisher Smarty Cat Writing & Research Editor Babette Herrmann Advertising Babette Herrmann Graphics Michael Kurov AJ Schleich Christopher Davis Photography Christopher Davis Contributors Kimberly Gaona Stacey Hollebeek Jennifer Jones Brett Newberry Bob Rosebrough Marley Shebala Dee Velasco Cover Photo Lisa E. Rodriguez, Light Language Studio On the Cover: Gene Pacheco The 2014-15 Gallup Senior Guide is an annual magazine published by Smarty Cat Writing & Research, and available to readers free of charge.

Unless otherwise noted, all photography, artwork, and editorial content printed in GSG are copyrighted material and may not be duplicated or reprinted without expressed written permission. SCWR is not responsible for typographical or production errors, or for the accuracy of information provided by advertisers.

Opinions expressed by writers and contributors do not necessarily represent the opinions of the publisher.

SCWR reserves the right to refuse any advertising which we may deem unsuitable for our publication.

The 2014-15 Gallup Senior Guide magazine is published by: Smarty Cat Writing & Research PO Box 1212 * Gallup, NM 87305

FOR ADVERTISING RATES AND INFORMATION: (505) 728-1640 * www.smartycatpub.com

Featured Story

Gallup’s living treasures: senior military veterans

By Babette Herrmann

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t was local veterans that help spread the news of the contest that eventually caught the attention of local newspapers and radio stations, encouraging residents to go online and vote.

Woven into Gallup’s historical tapestry are the noted Navajo Code Talkers and Bataan Death March survivors, along with numerous World War II, Korean and Vietnam war veterans.

There’s also the younger generations that have served in Bosnia, Iraq and Afghanistan wars with both tragic and memorable stories to tell.

But not every town is privileged to have a resident that is the recipient of the military’s highest accolade – the Medal of Honor – awarded to Korean War Veteran and Prisoner Of War Hiroshi “Hershey” Miyamura. He has a freeway overpass and high school named in his honor and a vivid and harrowing story of survival that’s been at the center of television documentaries.

Sami Daniels holds up a photo of herself from when she served in the Civil Air Patrol during WWII.

Photo by Babette Herrmann

Notwithstanding, Gallup’s remaining WWII Bataan Death March survivor and POW Rosenaldo Lovato received nine military medals during a April ceremony in Santa Fe. He earned those long overdue medals nearly 70 years ago. Gov. Susana Martinez honored Lovato during the 2014 Memorial Day ceremony at Courthouse Square.

It’s these rare gems – not just votes – that truly make Gallup the “Most Patriotic Small Town in America.” Below are three military stories that local senior veterans shared. They range in age from 70 to 90 plus.

WWII Army Air Corps, Civil Air Patrol: PFC Sami Daniels One of those gems is Daniels. What makes Daniels rare is that she’s one of the minority of women that served in the military during a time in our country when it customary for women to be homemakers.

But Daniels was a dreamer and wanted to fly and work on planes. As a child she would build model planes and dreamed of flying them. She took destiny into her hands and joined the Civil Air Patrol in 1941 at the age of 18.

Daniels flew on missions in search of enemy submarines and worked on planes at airfields in Michigan, Louisiana, Colorado, Kentucky and Texas. She said some of the dirtiest work 8

Gallup Senior Guide 2014

WWII and Korean War veteran Lawrence Talamante.

Lawrence Talamante as a young sailor.

Photos by Babette Herrmann

involved “clarifying the oil” on planes such as the Martin B-26 Marauder and B-47 bomber.

“It was dirty work but I liked it,” she said. “I enjoyed it and would do it again in a minute.”

Although it’s been more than 70 years since Daniels joined the Civil Air Patrol, she spoke of her time in the service like it was a recent memory. Today, Daniels lives at Little Sisters of the Poor in Gallup and volunteers as a honor guard for the local Veterans Helping Veterans group.

“So, I am in it with nine guys,” she said, letting out a faint chuckle.

On a visit to her Memorial Day, she donned a WWII veterans baseball cap, red shirt and black leather vest dotted with military-themed patches.

Daniels explained that it’s a uniform of sorts. The red shirt is worn on Fridays and on holidays such as Memorial Day to honor the missing or killed in action, POW and to essentially honor all military men and women … “until they all come home,” she said. The vest showcases a veteran’s pride in their rank and branch of the military they serve or have served in whether it’s the Air Force, Army, Coast Guard, Marines or Navy.

If Daniels could give something back to women entering the military today, it would be the gift of self-defense. With accusations of sexual harassment or worse yet reported cases of sexual assault on the rise, Daniels said women need to learn basic self-defense.

“What I would like to get through to the young women is to avoid attacks,” she said.

For veterans returning home to Gallup, she encourages them to attend Veterans Helping Veterans meetings. The group meets for breakfast every other Friday at Don Diego’s restaurant. After breakfast, a short meeting takes place where veteran oriented isGallup Senior Guide 2014

sues are discussed and announcements are made.“I think it gives veterans a camaraderie for each other,” she said.

WWII / Korean War: 2nd Class Petty Officer Lawrence Talamante It was camaraderie with fellow seamen and officers that gave Talamante, a high school dropout, the confidence to climb the ranks in the Navy during WWII. He was determined to join the military before he turned 18, but as recruiters from each branch of the military came to Gallup to recruit young men, Talamante’s mother would quickly rebuff his efforts to join.

He had a knack for cooking and the goal of become the head Continued on page 10 cook aboard a ship. But another tal-

Cold War veteran Ron Kramber poses for a photo in his patriotic themed “man cave”.

Photo by Chris Davis

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Continued from page 9

WWI Bataan Death March survivor and POW Rosenaldo Lovato was honored by Gov. Susana Martinez during the 2014 Memorial Day celebration at Courthouse Square.

Photos by Babette Herrmann

ent nearly held him back. He was a talented baseball player, which put him in the good graces of his superiors.

Moreover, it seemed those officers favored keeping him ashore and playing baseball, but Talamante’s love of cooking and feeling a part of the war effort would soon prevail.

“I didn’t join to play ball,” he said.

After some persistence he finally got called aboard a ship, referred to as a “unit” which headed to the Pacific theater of WWII.

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His said that his unit “were hopping islands” and setting up bases and communication equipment on islands that allied forces battled and took control from the Japanese, such as Guadalcanal and Midway islands.

Talamante said he often felt lucky, averting danger while others constantly faced danger.

For instance, his ship missed Courtesy photo being fired upon by the Japa- Lifelong Gallup resident Hiroshi nese. While at sea one evening, “Hershey” Miyamura was the crew turned out the lights awarded the Medal of Honor for going above and beyond the call and powered down the engines of duty during the Korean War. to avoid enemy detection. They could hear shots and mortars being fired in the distance. The next morning they learned that a Japanese submarine was in their vicinity.

“There was a Japanese submarine after us,” he said. “We were just far enough away to keep from being torpedoed.”

He added that Japanese propaganda spinner “Tokyo Rose” or likely Iva Toguri D’Aquina reported on the radio that the ship he was aboard had sunk. Although his ship was spared, the ship his brother was on wasn’t so lucky and was hit and sunk off the coast of Okinawa. His brother spent 14 hours in the water before being rescued by troops.

Meanwhile, Talamante climbed the ranks and spent the bulk of his time in the Philippines heading the on shore kitchen.

Instead of burying the leftovers as instructed by his superiors, he fed hungry locals.

Gallup Senior Guide 2014

Some years after serving in the Korean War he was asked to serve in Vietnam, but declined the offer. Fighting back tears, he spoke of how his oldest son Arthur served on the front lines in Vietnam. Arthur survived combat, but succumbed to illness caused by exposure to the toxic herbicide Agent Orange. He was 50.

It was Arthur who encouraged Talamante to get his high school diploma. He received his diploma from Gallup High School in 2006.

Cold War era: Air Force Airman 2nd Class Ron Kramber Many veterans never served on the front lines, with impending doom in the back of their minds, wondering if they would make it through each day alive or in one piece. But they still served, ready to be deployed at a moments notice.

However, even when the United States wasn’t at war, there were stressful times for service men and women, such as the cold war era post-Korean War. It was during a time when the threat of a nuclear attack on American soil seemed inevitable and bomb shelters were the new reality.

Wisconsin native Kramber served in the Air Force in the 1950s during the height of the cold war. He worked for some time at Kirtland Air Force Base, nuclear division. Loading and unloading hydrogen bombs was routine, but sometimes things went ghastly wrong.

He recalled the time when a bomb fell from a B-36 bomber and blew a 25-foot crater in the ground near Albuquerque. Despite the scare, he said no one was injured. And it was pale in comparison to witnessing one of his fellow airmen get crushed to death by a 10-ton bomb. With a face reddened by emotion, he said the giant cylinder landed on comrade’s legs, crushing them, before settling on his chest.

“The minute we rolled it off … he died,” he said, as tears rolled down his face.

Kramber said it took him years to talk about the incident and he has found solace with volunteering for Veterans Helping Veterans. He and his wife Mary moved to Gallup about five years ago and enjoy the sense of community and friendship they have found here.

“You’ve got so many veterans here,” he said. “It just amazes me, I’ve never had friends like this before.”

Kramber and Mary, both retired, attend funerals, graduations and various celebrations as representatives of Veterans Helping Veterans. They have even taught flag etiquette to local school children.

The cold war veteran credits his wife for voting everyday when the Rand McNally contest for “Most Patriotic Small Town in America” was in full swing.

Gallup Senior Guide 2014

Veteran spotlight: Two amigos share humor, memories

Photo by Chris Davis

Like clockwork, Tony Montez and Joe Guillen meet most mornings for coffee at McDonald’s on Boardman Drive. The two love to joke around and talk about everything from marraige to their time in the military.

Meeting up with these two for their morning coffee, led them to share a few highlights from their military experience.

Guillen, a Marine, and Korean War veteran, talked about the winter he spent in the mountains of Korea toward the end of the war. It was a rough time as there was 12 men to a tent and no heat. Even though it was cold, building a fire wasn’t an option, as being undetectable was the cornerstone of this mission. He said they had strict orders not to fire back even if attacked.

He worked the night patrol, Guillen said, “capturing a lot of Koreans.”

“They wanted to get caught,” he said.

The soft spoken Guillen routinely attends Veterans Helping Veterans meetings, and said the meetings help link veterans to the resources available to them.

“If we see that they need medical attention we’ll help them to get the help they deserve,” he said.

Montez, who cracked jokes about love and marraige, but in a good hearted way, joined the Army in 1956. His job was to help build bridges.

“If we went to combat, I would have to build bridges under fire,” he said.

He was ready for action, though, as “we were always being taught to kill.” A skill that paid off for Montez, who went onto become a contractor who built homes in Gallup.

Montez lauded the VA for the excellent care he said that he has recived over the years, which included surgery.

“I am proud to go to the VA hospital,” he said. “I’ve had nothing but good things done to me.”

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HoW To ProTeCT yourself from fraud Don’t be a victim

By Kimberly Gaona

Eighty-year-old Johnny Espinosa takes a phone call at the North Side Senior Center.

Phone calls are the most common form of communication where scams are concerned.

I

n the age of digital technology that we live in, fraud and scams seem to be more prevalent than ever. Where one used to receive a letter in the mail asking for money, now con artists are calling home phones, cell phones or infiltrating the internet to get money from you. No matter what the form of contact is, the old adage seems to ring true: If it sounds too good to be true, it probably is.

At the local level, the most common source of these scams are through a phone call. Gallup Police Department spokesperson Lieutenant Matt Wright said that good advice for anyone, not just Seniors, is to never give out any personal information to a person calling you.

“Don’t give out bank account numbers and don’t send cash,” Wright said.

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Photo by Chris Davis

The New Mexico Attorney General’s website and Mayor Jackie McKinney also give the same advice. The most complaints stem from “Jamaican callers,” Wright said, and from other callers that say you have won something, but you have to send them money to process the claim.

Wright also said that paying your bills via check gives law enforcement a “paper trail” if something were to happen to that check.

Some Seniors are already aware of these scams. And many say that they simply hang up the phone.

Glenda Davis, 78, said she has received shady phone calls in the past and learned the hard way that she was being scammed.

Although she didn’t go into details, she made some immediate changes.

Gallup Senior Guide 2014

“I had to change everything at the bank,” she said.

Now, Davis simply hangs up on callers that ask her for anything.

Johnny Espinosa, 80, also said he has received calls asking for money.

“I don’t send them nothing,” Espinosa said. “Everybody asks for money.” Flo Barton, 71, said that she reports anyone that calls her asking for money and has already reported several individuals to local law enforcement. She was, however, the victim of identity theft. Barton learned of the fraud when she received a phone bill for more than $900 from AT&T. “There’s no one in the world that I would speak $930 worth to,” Barton said. AG’s website warns of these numerous scams: • The counterfeit check scam targets retailers and is the “most frequent” version of scams reported to their office.

• The overpayment scam is when the signer writes the check out for more than the purchase amount.

• The secret shopper scam is directed at money transfer services and will ask you to deposit a check and wire the money.

• The fake lottery win is another version of this. The AG states that under Federal Law, it is illegal to enter into a foreign lottery.

• The financial help scam targets students with claims that there are free government grants are available. The AG’s office advises that no one should pay anything for free government money.

• There are also the Nigerian scams, phishing scams and travel scams. The Nigerian scams are among the oldest scams still running, according to the AG. A phishing scam is where an email is received asking you to verify personal and financial information through a website link provided. The AG advises that established companies will not ask you to verify sensitive information via email. Another common scam is the travel scam where a chipper salesperson contacts you regarding a trip that you have won. They will entice you with fancy cruise details, luscious vacation spots and even top rated hotel accommodations. The catch?

They will ask you to pay for a portion of this trip up front.

McKinney said he believes Gallup’s senior citizens are smart, strong and won’t fall for these scams easily. He reiterated not to give out personal information over the phone. “With this day and age of technology, you’ve got to be careful,” he said.

For more information on any scams or to submit a criminal complaint, visit: www.nmag.gov. For local crimes, the Gallup Police Department detective division can be contacted at (505) 863-9365.

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Save headaches by planning ahead for vacation

By Jennifer Jones

S

eniors who plan to go on vacation can have a safe trip by knowing as much information as possible about the area they plan on visiting.

“Before travel, seniors should have information about their destination that could affect their health, such as the altitude and climate,” according to the Centers for Disease Control and Prevention’s website. “They should be aware of whether the destination is prone to natural disasters, such as earthquakes and hurricanes, since seniors may have more problems in those extreme situations.”

Dr. Lawrence Andrade of Family Medicine Associates of Gallup said seniors should see their doctor before going overseas to ensure that they are in good health and have an adequate supply of medications.

“Seniors should see their doctor before trips in which they will be gone for over two weeks to ensure well health,” he said.

Along with taking a sufficient medication supply and seeing a doctor, Andrade said, “Seniors should also continue taking vitamins while on travel, and any medications or supplements they are taking before travel that assist in maintaining their well health.”

To add, seniors can also have a safer trip by not sitting for too long.

“Seniors who are flying should ask for an aisle seat in order to stretch their legs,” he said. “Seniors who are flying should also get up every hour to stretch and ensure adequate blood supply occurs to their legs to prevent blood clots.”

He also recommends that seniors who drive long distance stop to rest their eyes and stretch every two hours.

He said stretching not only helps to prevent blood clots, it will also help prevent leg swelling.

Senior Gayle Woodcock said as she and her husband have gotten older, they have chosen to no longer drive at night.

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“We used to drive all night,” she said. “Now an all-nighter is when we sleep through the night and don’t have to make any trips to the bathroom.”

Woodcock said she also stops more frequently on road trips now. She said she stops every two hours in order to stretch and take a restroom break, in addition to taking care of other roadside business.

Andrade recommends that seniors be aware of the following health problems while traveling.

Seniors who are disabled or need oxygen can fly so long as they do some pre-planning.

According to caringnews.com, airports offer wheelchairs, along with boarding assistance. Not all airplanes are wheelchair friendly, so it’s important that seniors who plan on flying to make sure they will be flying on a wheelchair-accessible plane.

Oxygen can also be taken on an airplane, but it has to be airplane safe (call the airline or see airline’s website for details) and the traveler must provide a doctor’s note stating that they need oxygen on the airplane.

Along with being conscientious of health while traveling, seniors can also stay safe by being choosy about where and how they book their travel.

Caringnews.com also states that travelers should do their homework and comparison pricing before signing on for a package deal.

“Deal only with travel agencies and tour companies with a proven track record and strong reputations for value and honesty,” the website states. “Make sure you know what is included in a travel package so there will be no unpleasant surprises.

Caringnews.com also advises seniors to protect their money by not having a lot of cash with them while traveling and to only bring the credit cards that they plan to use.

Gallup Senior Guide 2014

CHILDREN & ADULT VISION CARE

SOFT & GAS PERMEABLE CONTACT LENSES LASER SURGERY CONSULTATION

ARE YOU PLANNING A TRIP SOON? Here are some travel safety tips:

• • • • • • • • • •

• • • • • • • • • • • •

Get plenty of sleep before you leave.

Stay hydrated.

Change sitting position to avoid stiff joints or (in rare cases) dangerous blood clots.

If you have a cold, take a decongestant and chew gum on takeoff and landing to avoid ear pain.

Check with your doctor before traveling.

Review your health insurance policy before you leave.

Make sure your immunizations are up to date.

Bring enough medication for your trip.

Don't pack anything that’s irreplaceable.

Check your auto insurance policy before driving to another country, as your insurance may not be valid in another country.

Always wear a seatbelt.

Avoid riding in cars in developing countries at night.

Avoid small, local planes.

Avoid traveling in questionable areas at night.

Carry only the cash and credit cards you need.

If you need to fly with oxygen, check the airlines oxygen policy.

If a wheelchair is needed, book a wheelchair-accessible airplane.

Carry everything you will need during flight in your carry-on luggage.

Find out where the medical facilities are located in the area you will be visiting.

Know the area you are going to; Climate, culture, etc.

Carry a medical kit with all of your medications in your carry-on bag.

Allow yourself time to recover from jet-lag.

Sources: www.cdc.gov, vic.gov.au, and www.caringnews.com

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Gallup Senior Guide 2014

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Gallup Senior Guide 2014

Gallup Senior Guide 2014

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Have You Expressed Your Health Care Wishes?

By Bob Rosebrough

S

everal years ago, the nation was riveted by the controversy surrounding the decision to pull Terri Schiavo’s feeding tube. Terri Schiavo’s husband and parents fought in the press and in the courts. Congressional leaders rushed through legislation in an attempt to prompt judicial action. Political commentators on the cable news networks had a field day.

In New Mexico since 1995, all of the conflict and controversy surrounding Terri Schiavo’s situation is completely preventable.

In 1995, New Mexico enacted the Uniform Health Care Decisions Act which provides an optional form called a Health Care Directive which, if executed before death, avoids the conflicts that arose in the Terri Schiavo case.

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The New Mexico Health Care Directive has two important parts. The first part is a Power of Attorney for Health Care Decisions. The second part allows an individual to make advance end of life decisions. The second part is sometimes called a “living will.”

The New Mexico Advance Health Care Directive allows an individual to name an agent or agents to make health care decisions.

The form also provides for alternate agents and allows an individual to limit or custom craft the specific authority that is given to the health care power of attorney. The form also allows the individual to determine whether the agent’s authority to make health care decisions takes place immediately, or whether that authority arises only upon incapacity.

The New Mexico Health Care Directive also allows an individual to indicate whether they choose to prolong life, choose not to prolong life, or choose to let their agent decide whether to prolong life. These end of life decisions apply in situations where: a.) the individual is unable to make or communicate decisions regarding health care and is suffering from an incurable or irreversible condition that will result in death within a relatively short time, b.) is unconscious and to a reasonable degree of medical certainty will not regain consciousness, or c.) where the risks and burdens of treatment outweigh the expected benefits. If an individual chooses not to prolong life, there is a specific section of the health care directive that allows an individual to specify whether they do or do not wish to receive artificial nutrition and hydration.

The New Mexico Health Care Directive also has provisions that allow an individual to give advance directive regarding relief from pain, anatomical gift designation, and any specific wishes.

The New Mexico form is optional and modifiable. By the express terms of the New Mexico statute, any individual may complete or modify all or any part of the New Mexico Health Care Directive that is provided by statute.

The primary intent of the Uniform Health Care Decisions Act

by New Mexico in 1995 is to encourage health care providers to honor patients’ wishes and to reduce the need for court appointed guardians and adversary court proceedings. In New Mexico, adults have the right to make their own health care decisions, including seeking and refusing treatment.

Gallup Senior Guide 2014

Closing a retirement income gap

By Brett Newberry, CRE, CPA “The Business Doctor”

W

hen you determine how much income you’ll need in retirement, you may base your projection on the type of lifestyle you plan to have and when you want to retire. However, as you grow closer to retirement, you may discover that your income won’t be enough to meet your needs. If you find yourself in this situation, you’ll need to adopt a plan to bridge this projected income gap.

One way of dealing with a projected income shortfall is to stay in the workforce longer than you had planned. This will allow you to continue supporting yourself with a salary rather than dipping into your retirement savings. Depending on your income, this could also increase your Social Security retire-

Gallup Senior Guide 2014

ment benefit. You will also be able to delay taking your Social Security benefit or distributions from retirement accounts.

At your full retirement age (which varies, depending on the year you were born), you will receive your full Social Security retirement benefit. You can elect to receive your Social Security retirement benefit as early as age 62, but if you begin receiving your benefit before your full retirement age, your benefit will be reduced. Conversely, if you delay retirement, you can increase your Social Security benefit.

Remember, too, that income from a job may affect the amount of Social Security retirement benefit you receive if you are under your full retirement age. Your benefit will be reduced by $1 for every $2 you earn over a certain earnings limit (For 2014 that limit is $15,480). In the year you reach full retirement age, your benefit will be reduced by $1 for every $3 you earn above a certain limit but they only count earnings before the month you reach your full retirement age. If you reach full retirement age in 2014, the limit on your earnings for the months before full retirement age is $41,400. But once you reach full retirement age, you can earn as much as you want without affecting your Social Security retirement benefit. Another advantage of delaying retirement is that you can continue to build tax-deferred funds in your Individual Retirement Account (IRA) or employer-sponsored retirement plan. Keep in mind, that you may be required to start taking minimum distributions from your qualified retirement plan or traditional IRA once you reach age 70 ½, if you want to avoid harsh penalties.

And if you’re covered by a pension plan at work, you could also consider retiring and then seeking employment elsewhere.

This way you can receive a salary and your pension benefit at the same time. Some employers, to avoid losing talented employees this way, are beginning to offer “phased retirement” programs that allow you to receive all or part of your pension benefit while you’re still working. Make sure you understand your pension plan options.

Continued on page 20 19

Continued from page 19

You may be able to deal with an income shortfall by adjusting your spending habits. If you’re still years away from retirement, you may be able to get by with a few minor changes. However, if retirement is just around the corner, you may need to drastically change your spending and saving habits.

Saving even a little money can really add up if you do it consistently and earn a reasonable rate of return. Make permanent changes to your spending habits and you’ll find that your savings will last even longer. Start by preparing a budget to see where your money is going.

Here are some suggested ways to stretch your retirement dollars: Refinance your home mortgage if interest rates have dropped since you took the loan. Reduce your housing expenses by moving to a less expensive home or apartment. Sell one of your cars if you have two. When your remaining car needs to be replaced, consider buying a used one. Access the equity in your home. Use the proceeds from a second mortgage or home equity line of credit to pay off higher-interest-rate debts. Transfer credit card balances from higher-interest cards to a low-interest or no-interest card, and then cancel the old accounts.

Ask about insurance discounts and review your insurance needs. Reduce discretionary expenses such as lunches and

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dinners out. Earmark the money you save for retirement and invest it immediately. If you can take advantage of an IRA, 401(k), or other tax-deferred retirement plan, you should do so. Funds invested in a tax-deferred account will generally grow more rapidly than funds invested in a non-tax-deferred account.

Some people make the mistake of investing too conservatively to achieve their retirement goals. That’s not surprising, because as you take on more risk, your potential for loss grows as well. But greater risk also generally entails greater reward. And with life expectancies rising and people retiring earlier, retirement funds need to last a long time. That’s why if you are facing a projected income shortfall, you should consider shifting some of your assets to investments that have the potential to substantially outpace inflation.

The amount of investment dollars you should keep in growth-oriented investments depends on your time horizon and your tolerance for risk. In general, the longer you have until retirement, the more aggressive you can afford to be. Still, if you are at or near retirement, you may want to keep some of your funds in growth-oriented investments, even if you decide to keep the bulk of your funds in more conservative, fixed-income investments. Get advice from a financial professional if you need help deciding how your assets should be allocated.

And remember, no matter how you decide to allocate your money, rebalance your portfolio now and again. Your needs will change over time, and so should your investment strategy.

If your projected income shortfall is severe enough or if you’re already close to retirement, you may realize that no matter what measures you take, you will not be able to afford the retirement lifestyle you’ve dreamed of. In other words, you will have to lower your expectations and accept a lower standard of living. Fortunately, this may be easier to do than when you were younger. Although some expenses, like health care, generally increase in retirement, other expenses, like housing costs and automobile expenses, tend to decrease. And it’s likely that your days of paying college bills and growing-family expenses are over. Once you are within a few years of retirement, you can prepare a realistic budget that will help you manage your money in retirement.

Think long term: Retirees frequently get into budget trouble in the early years of retirement, when they are adjusting to their new lifestyles. Remember that when you are retired, every day is Saturday; so, it’s easy to start overspending.

Looking for a new pet?

Consider age and size before adopting

By Jennifer Jones

Photos by Jennifer Jones

Linda Shelton holding her 10-year-old poodle Tinka.

Tinka is an only fur-child and has been with Linda since she was a puppy. Tinka is Linda’s third poodle.

W

hile the Labrador Retriever puppy at the Gallup McKinley Humane Society is irresistibly cute, it may not be the best fit for a senior citizen. Before adopting any pet it’s important to carefully consider how well they will fit into your life.

Dr. Cody Balok, DVM, of Cedar Animal Medical Center, said it’s important that a pet’s temperament matches that of their owner. Senior citizens may be well suited for a senior pet, as senior pets temperaments tend to be more relaxed.

Balok said senior citizens may like small dogs better than large dogs because small dogs are easy for them to carry, are happy to be indoors most of the day and love to spend hours at a time on their owners’ laps.

Linda Shelton, who owns a 10-year-old poodle named Tinka, a small dog makes the perfect companion.

“I can pick her up, wash her, and put her up on the bed and she doesn’t shed,” she said. She’s a good travel companion and her casa

Gallup Senior Guide 2014

Cecilia Held’s 18-year-old “Claire.”

Gunner is an 8-year-old Miniature Pincher. Travis and Christine Woodcock adopted Gunner as a puppy through puppyfind.com.

(her crate) is easy to get in the car. She spends most of every trip sleeping.”

Shelton added that she has never owned any other kind of dog and is not sure whether she could handle a larger breed.

Dr. Brooke Groskopf, DVM and CVA, who performs spays and neuters at the Gallup McKinley County Humane Society, said it can be easier to find the right match for you Continued on page 22 21

Continued from page 21

Kari Lucero rescued “Bobbie” when she was approximately 8-years-old.

Photo by Jennifer Jones

or your family by looking for an adult or senior pet who has already developed their personality.

“You will know what you’re getting,” she said.“When a senior person wants a pet, it is great for them to get a senior animal because it can be hard for a senior person to keep up with a young, rambunctious dog.”

Although senior pets can make a great addition to any home, they aren’t adopted as often as young pets are.

Gallup McKinley County Humane Society President Sena Fitzpatrick said older dogs and cats are often overlooked as adoptable prospects.

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“Puppies and young dogs are most frequently adopted,” she said.

While many people want to adopt young pets, they might not fully understand the amount of time and energy that goes into raising a young pet, Groskopf said.

“People who want a new pet think they want a puppy or a kitten, however, what they don’t realize is the numerous challenges of raising a puppy or kitten, including potty training, the rambunctious and sometimes destructive behavior of young and growing animals, and the great need for exercise that young animals have,” she said.

Groskopf explained that senior pets can be a great and calm addition to the family.

“Many times the senior pet is already house trained and has exercise needs more in sync with their owner’s,” she said.

For instance, a senior dog would likely find one walk a day with their owner sufficient, whereas a young dog might not be satisfied with one walk and might have trouble finding acceptable ways to expend their excess energy.

Groskopf also said that seniors often get euthanized at shelters first.

“In overcrowded animal shelters, it is the older animals that get euthanized first, simply because more people want puppies and kittens,” she said.

However, in the Gallup area it’s not uncommon to see stray dogs roaming the streets. Bobbie was a pregnant and malnourished 8-year-old stray when Kari Lucero found her. Lucero has had Bobbie for two years.

“She’s the sweetest dog I’ve ever had,” she said. “Age has made her patient and calm, even with my two-year-old.”

When adopting a senior pet it is important to know that they may require more visits to the vet because older pets can have more health problems than their younger counterparts.

Balok said the most common health problem with senior dogs is arthritis and the most common health problem with senior cats is renal failure.

He recommends that senior pets have a physical exam done by their vet at least once a year, but added that senior pets with health problems may need to be seen more frequently.

Although senior pets may require more tender loving care, they will give their whole heart to their human companion.

Fitzpatrick sums it up.

“Older dogs and cats can bond quickly to the person who saves them and are grateful for a second chance in life,” she said.

For more information about adopting a shelter dog or cat, visit the Gallup McKinley County Humane Society at 1315 Hamilton Rd. in Gallup or call (505) 863-2616.

Gallup Senior Guide 2014

Gallup flea market treasures

By Marley Shebala

Clarice Valdo of San Fidel, N.M., is one of many regular vendors that sells goods at the Gallup flea market.

Valdo’s specialty is her Acoma bread, cookies, sweet rolls and fruit filled pies.

Photo by Marley Shebala

E

ven if you’re not an elder, flea markets are a place to find hidden treasures and perhaps make some new friends.

But if you’re an elder then the local flea markets are a great place for a leisurely stroll under sunny blue skies while browsing through a variety of merchandise and foods in one central location.

The outdoor flea market in Gallup offers some great smells and sights, but you better wear sturdy walking shoes because the flea market is unpaved and covered with gravel and dirt.

Gallup Senior Guide 2014

It would also be advisable to wear a hat. And don’t forget to bring along a nice large bag to put your purchases in because you will find something that catches your eye and your tummy.

Clarice Valdo of San Fidel, N.M., sells her tasty and soft Acoma bread, which is among some of the permanent metal and wooden structures that remain at the flea market when it’s closed.

The Gallup flea market, unlike the flea market in Window Rock, Ariz., is only open on Saturday.

The Window Rock flea market, which is a nice 30 minute road trip from Gallup, is open seven days a week, but sellers begin to pack up their tables and temporary structures about at 2 pm.

And if you’re yearning for a taste of toasted Acoma bread with your morning coffee and it’s not Saturday, Valdo said she also sells her Acoma bread, cookies, fruit filled pies and sweet rolls from a large white truck that sits in a parking area on the west side of the highway that heads north of Gallup and on the other side of the Gas Max. There’s a sign with the words “Acoma bread” along the road.

Valdo said with a warm smile that her roadside business caters to elders. They drive up and her staff goes out to them.

She understands that some of the local elders have to use canes, wheelchairs and walkers to assist them.

Valdo said that some of her regular customers, who are elders, pull up in their cars behind her flea market stand and honk their horns to place an order.

“I go out and serve them,” she said.

Valdo’s business is called “Sky City Ovenbread,” but her signs simply state “Acoma bread”.

If you’re looking for a piping hot tamale plenty of vendors around offering this New Mexico favorite.

The Gallup flea market is definitely the place for outdoor cooking and exotic foods.

The Diamond T Grill of Tuba City, Ariz., had a constant line of people waiting to order a variety of fresh roasted lamb, sheep and beef.

The menu consist of rib eye steak, roast mutton, Navajo burgers, pork steak and achii, a local delicacy that demands an acquired taste.

Continued on page 24 23

Continued from page 23

The Gallup flea market offers a variety of foods that include favorites of the local Navajo community, such as roasted achii (aa-chi), which is in the lower part of the photo, and roasted mutton.

Achii is the intestines and fat of a lamb or sheep. The intestine is wrapped around the fat.

The grill also offers a number of hot mutton or lamb stews with your choice of steamed corn, corn and squash, and dumplings.

And you can also just have a hot crispy fried bread.

But you don’t have in stand in line at the Diamond T Grill because the Gallup flea market has several food stands that offer a similar menu.

Lupe Loera of Albuquerque, N.M., who was selling some really tasty Black Angus beef jerky, said he traveled with his friend, who sells car cleaners, to the Gallup flea market after hearing “good things” about it.

Loera said he noticed that many of people that visit the flea market are elders and it’s probably because the parking is free, unlike the Albuquerque flea markets.

Most elders live on a fixed income and they appreciate any financial assistance, no matter how small, he said as he nodded his head.

He smiled as he gave away several pieces, of his beef jerky as a sample to an elderly gentlemen, who tasted it and then bought a bag to take home.

“I give out a nice size sample because it lets people really taste it,” he said.

Lupe Loera traveled from Albuquerque to sell for the first time at the Gallup flea market because he heard “good things” about it.

Loera said that he’ll be returning.

Photos by Marley Shebala

The market is open Saturday and is located off U.S. Route 491 or 9th Street. It is accessible from I-40. Take exit 20 and head north. Turn right on West Lincoln Avenue.

You’re retired. Your money isn’t.

Eric D James

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Financial Advisor |.|110 West Hill Avenue | Gallup, NM 87301 | 505-722-0060 | www.edwardjones.com

Member SIPC

Gallup Senior Guide 2014

A rez original:

Window Rock flea mart Unique finds at bargain prices

By Marley Shebala

Flea markets attract all kinds of people. These young ladies took a break from bicycling to buy snow cones and stroll through the Window Rock, Ariz., flea market.

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INDOW ROCK, Ariz. – A relatively unknown attraction to outsiders lies 30 miles northwest of Gallup. It’s the Window Rock flea market.

Similar to the Gallup flea market, Window Rock offers some really great deals and unusual art and is open seven days a week.

The great deals and unusual art shared by the two flea markets is probably because many of the sellers set up their stands at both flea markets.

But unlike the Gallup flea market, the Window Rock flea market is paved, which makes it easier for individuals using canes, walkers and wheelchairs to move around the area.

Terri of Shiprock, NM, who preferred to use only her first name, had some reasonably priced hand-made items for sale.

She had two different types of 14-inch wooden wall hangings, a wooden jewelry box and a couple of sets of large velveteen pillows for couches.

One of the wall hangings displayed miniature hand-carved Navajo rug weaving tools against a hand-painted “Tree of Life” design.

The other wall hanging had a hand-carved Native American prayer fan, rattle and drum stick on a hand-painted picture of a tipi and bird.

Gallup Senior Guide 2014

Photo by Marley Shebala

The jewelry box had exquisite hand-drawn drawings of horses.

The lid was covered with soft velveteen.

And handmade jewelry is in no short supply at flea markets.

Boyd’s Engraving is among a few artists who frequent local flea markets that offer high end jewelry that is definitely worth the price. He specializes in jewelry for rodeo contestants and fans.

Near Boyd’s Engraving is Razzy’s Originals, which offers handmade aprons and plastic bag holders that were made from recycled material, such as used denim pants and flour sacks.

Marie Gleason of Sanders, Ariz., a seamstress of Native American arts and crafts, was selling her crocheted baby booties that looked like moccasins, her hand stitched pot holders with native designs and her cloth Navajo style rug dresses.

According to her business card, Gleason also specializes in children’s clothing, Pendleton jackets, and Native American Church robes and shawls.

There were also Navajo men and women selling natural herbs that they were taught to collect by traditional Navajo herbalists and medicine people, who also shared their knowledge of how to use the herbs for mental and physical healing purposes.

Continued on page 26

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Continued from page 25

Marie Gleason’s business card identifies her as a “seamstress” but she’s also a crochet artist.

Gleason crocheted all these baby booties in the style of moccasins.

Local flea markets do attract international visitors. Russian visitors bought five of Jasper Henry’s hand-crafted cedar boxes.

These two 14-inch wall hanging display handcraved minature wooden prayer fans, gourd rattles, and drum sticks on hand-painted tipis and water birds. Next to the wall art is a handmade jewelry box with hand-painted horses and a velvateen cloth covered lid.

Velveteen material was used to produce sets of two large hand-made pillows with native designs.

Some of the herbs offered for sale were for menstrual cramps, rashes, back pain, spider bites, dizziness, and arthritis.

One of the herbalists, a 31-year-old Navajo man, said that some of his clientele include non-natives and members of other tribes.

Russian visitors bought five rectangular hand-crafted cedar boxes from Jasper Henry of Crownpoint, N.M. Henry sells his boxes, which are covered on the inside with cloth, at the flea markets in Gallup and Window Rock.

The boxes are generally used by native people to hold their feathers and other sacred items but they can be used as jewelry boxes.

Kennard Johnson, who owns and operates “Hostiin Bekis,” which is the Navajo word for Mr. Friend, said he’s a regular vendor at flea markets because he enjoys talking with people, especially elders.

Johnson is a dressmaker and his specialty is contemporary and traditional Navajo clothing.

On this day, he had a couple of used sewing machines to sell,

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Wade Adakai, 23, of Window Rock is a college philosophy student with dreams of becoming Navajo Nation president and using his philosophical skills to protect the Navajo Reservation’s environment for future generations.

Photos by Marley Shebala

along with men and women’s used clothing that were in mint condition and scraps of multi-colored cotton, silk and satin material.

As Johnson dressed a mannequin in a peach colored blouse and skirt, an elderly woman stopped to watch. Without hesitation, he started a conversation with the elder and soon they were laughing and sharing stories.

Most items for sale at flea markets are used.

Emmer of St. Michaels, Ariz., had brought a table full of used wooden toy cars and few metal cars from the late 1980s.

Emmer, who wanted to only use his first name, said he decided to sell some of his toy collection because he had run out of space in his home.

He also had a few knickknacks, such as a set of glass Christmas salt and pepper shakers that were in good condition.

Tucked in among the vendors selling used items and homemade art were a few individuals selling snow cones and knell down bread.

Charmayne Warner of Kaibeto said that a majority of the people who buy her knell down bread are elders.

Warner said her knell down bread has no preservatives and chemicals and is made from fresh ground corn.

The ground corn is then put between corn husks that are folded over, like a tamale, and then it’s baked in an oven, she explained.

Wade Adakai, 23, of Window Rock said he usually goes to the Gallup flea market on Saturday’s.

Adakai sells music. He’s among a few troubadours that provide entertainment at the flea market.

The Window Rock Flea Market is located at the Ch’ihootso Indian Market Place, junction Arizona State Route 265 and Navajo Route 12.

Gallup Senior Guide 2014

Are trusts better than wills?

By Bob Rosebrough

O

ver the course of the last twenty-five years, Revocable Trusts have become a preferred method of estate planning. These trusts, which are also sometimes called Living Trusts, are now used more often than Wills by most estate planning lawyers. But what are Trusts and how do they work?

Should everyone have a Trust or are they better for some people rather than others?

Let’s take a look at this issue by asking some basic questions: What is a Trust? A Trust is a method to hold title to your assets in one “basket”. A Trust is a title holding device by written agreement. Title to your assets is held in trust and, therefore, is not affected by death. Assets titled in the Trust avoid probate.

The Trust can be easily amended. You will have complete control of your assets. When you die, resign, or become incapacitated, a person, named by you, will take over as Successor Trustee.

Should everyone have a Trust or are Trusts better for some people than others? While Trusts have some extra benefits for some groups of people, almost everyone should consider a Trust.

Several circumstances in which a Trust may be beneficial are: •

•

Avoid probate and provide family with convenience, reduced cost, and privacy. Anyone wishing to put their affairs in order in a way to avoid a probate and thereby reduce (but not eliminate) the time and expense of administering their affairs after death should consider a Trust. A Trust administration is a private proceeding. A probate is a public proceeding.

Real estate in more than one state.

If you own property in more than one state without a Trust, your heirs will have to do a probate in each of the states where you own property.

Gallup Senior Guide 2014

•

•

•

•

Family member with special needs.

Trusts are particularly helpful when providing for family members with disabilities or special needs.

Children of different marriages.

A Trust agreement is well suited to provide for children from previous marriages and alleviate conflicts between children from different marriages after you die.

Large estates. A Trust can minimize estate taxes and increase the amount of assets which pass to your heirs.

Remarriage late in life. A Trust keeps ownership and management of assets separate from a subsequent marriage.

In order for a Trust to work as planned, what commitment is required of you? In order to receive the benefits of a Trust, you should sit down with an estate planning lawyer and understand how the Trust works, help the lawyer title your assets in the name of the Trust, and place title to any new assets you acquire in the name of the Trust.

You should also call or set appointments from time to time with your estate planning attorney to make sure your assets are titled properly and to amend the Trust when there are changes in your life or affairs.

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From baggy pants to cellphones: Seniors share perspectives, advice

By Kimberly Gaona

Leo Torrez, 63, USMC Veteran says that the youth of today need to know the history of their country as well as their families.

F

Photo by A. Chace Bickner

or most of us, we remember important historical events such as September 11th and Desert Storm and the end of the search for Bin Laden. For those that we endearingly refer to as seniors, they remember events such as the Great Depression, World War II, Vietnam, Korean War, the assassination of John F. Kennedy and Martin Luther King Jr. and the civil rights movements.

These are the people who changed the world, who fought and protested for minority and women’s rights. This is a generation of people who should be revered, we should be talking to them and soaking up every bit of knowledge that is stored in their memories.

But the generation gap is more than just the difference in learning about history and living it. Technology has made the generation gap even larger. The most common complaint from seniors about the younger generations is their dependency on cell phones, laptops and the Internet.

Seventy eight year old Glenda Davis seemed bewildered when she spoke about it.

“The younger generations always have a cell phone … always … messaging,” she said.

The seniors at the Northside Senior Center prefer a more direct form of communication. Every week, some every day, gather at the center for various activities and for lunch where they sit at tables with their friends and discuss everything from grandchildren to the seemingly forbidden gossip of the day. Friendly faces, laughter, jokes and yes some sarcasm can be heard filling the recently renovated dining area during lunch. Depending on

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what day you go, line dancers can be seen coming out of class, sweaty, yet exhilarated. And on Wednesdays artists proudly show off their paintings after class.

Meanwhile, besides cell phones, seniors also had an opinion on fashion and expression. Most Seniors questioned the fashionable statement of the baggy and drooping pants. Davis said that she’s shocked to see so many young people getting tattoos, piercings and gauges in their ears. She suggests that young adults shouldn’t start out with so many alterations to their bodies. This was a hot topic of conversation, with most seniors commenting on what these bodily alterations will look like when these “kids” get older.

However, the seniors sitting at the “veterans table” were less concerned about tattoos, as most of them bear them from their time served in the military. Leo Torrez, 63, is more concerned with history. “How much history do you know?” Torrez asked. “[They] don’t even know their family history.”

Learning, in general, was the most common advice given. Sandra McCoy, a former teacher, says to keep an open mind to learning as much as possible in life. “Learn everything you can about everything, because most people don’t end up with the job they thought they would have,” she said.

Flo Barton, 71, who was happily sitting next to her husband and some friends has some simple words of wisdom for the younger generation. “I think it is live life to it’s fullest,” she said. Those sitting with her agreed. The topic then switched to setting a good example for today’s youth. “Whatever we want them to learn, we should live it,” she said. Barton and Montano agreed that living by example was a good lesson to take away. Montano also said that not many people can make their marriage work for 62 years, but she and her husband have endured, and continue to live life the way they would want their children and their grandchildren to live life.

Barton and her husband will soon be celebrating their 50th wedding anniversary. She said that they are happy and live life to the fullest.

On another note, Mayor Jackie McKinney said seniors are blessings to the community, and feels a special fondness toward the centenarians of our community. “You have certainly lived through a century of many many changes,” he said. “They should be naturally respected by all citizens.”

Gallup Senior Guide 2014

How the gift of music

changed one man’s life

By Dee Velasco

M

usic is a part of our lives.

It encompasses so many areas. It touches each and every one of us in different ways – and some even more. It did just that for 65-year-old, Jerry Bertinetti. Born and raised in Gallup, Bertinetti’s music interest was sparked at a very young age in his home. The influence of music was always in his house.

“We would always watch television shows like Lawrence Welk and other music programs,” he said.“It was a family thing growing up.”

This influence led him to join his sixth grade school band, where he learned how to play the saxophone at the age of twelve. At the age of 15 he learned how to play both the bass and guitar.

“When you learn one, it becomes natural to learn the other.” he said.

He continued learning and playing into his high school years.

As Bertinetti’s talent began to develop, so did his search for other genres of music.

He soon learned how to play the blues, rock, western and Spanish music. His music knowledge expanded and his love for it too.

“Music to me is a gateway to your very being, it grabs a hold of you.”

Local musician Jerry Bertinetti discusses how his faith helped him to overcome obstacles in life.

Photo by Chris Davis

In his earlier adult life, he showcased his love of playing different genres of music at bars. He played in a band called “Rick & the Entire World.” The 510 W. Maloney, Ste. C GALLUP, NM 87301 p: 505-488-2615 apexnetworkpt.com

El Rancho Hotel “Home of the Movie Stars”

Member of the National Historic Register Charming Rooms / Restaurant & Bar / Ortega’s Gift Shop Accommodates up to 200 guests for Banquets 1000 East 66 Ave • Exit 22 Gallup, New Mexico 87301

www.elranchohotel.com Phone: (505) 863-9311

Gallup Senior Guide 2014

physical therapy / sports rehab / hand therapy / industrial rehab / dry needling

EXPERIENCE THE DIFFERENCE!

band traveled throughout New Mexico and Arizona, playing in dance halls as well as bars, and of course here in Gallup.

Continued on page 30 American Always the Right Tire - Always the Right Price

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“We played a lot of popular music at these places and they really liked it … especially in Zuni, New Mexico, they really loved us out there.”

While playing, he thought that he would try his luck at singing.

“I never took voice lessons, it was a learning process,” he said. “And of course a lot of practice. You have to like practice, just like anything else if you want to get anywhere ... you have to practice.”

Bertinetti’s new music lifestyle progressed and so did he, but not for the good.

“I started getting involved in drugs and alcohol and doing things I said I would never do.”

It was in 1975 that he would make a decision that would greatly change him and his musical style. While sitting at home one night, he opened up

the Bible in search of any hope for his wayward life. It was then he found his Christian faith.

“I was delivered from the drugs and alcohol, and given a brand new life.”

Along with this new life, he met a young lady named Cheri, who also shared his faith. They wed in 1975.

Today, Bertinetti and his wife, Cheri, have been married for 39 years, and have raised two daughters. Together, they’ve been attending the same church, The Door - Gallup Christian Center for the past 38 years. Along this new journey in his life, his musical style has changed and he’s happier for that.

“Music has become more spiritual and powerful to me.” he said. “I play gospel music now and it has changed me in different ways.”

He currently plays the bass guitar in his church choir, as well as playing every Saturday night downtown at the family Christian center One Eighty. He strives to polish his talent every chance he gets.

“I just want to continue to get better and grow more into my music, I was given a gift and I want to use it.”

He hopes his music will speak loud volumes to those who can relate to his past experiences, and at the same time, encourage those who might be interested in playing music.

“It’s a worthy investment of your time,” he said. “It can help you mentally, spiritually, if you do it for the right reasons. Because if for the wrong, it can hurt you … it can literally destroy you.”

Bertinetti continues to play his music and loves what he does.

“My faith in Jesus Christ is why (I am) who I am and why I do what I do.”

“Bring this coupon in for a free freshly ground cup of coffee” when you visit us!

Be cared for by GRACE INSURANCE & PRIVATE PAY ACCEPTED Services Include: Mobility Assistance • Meal Preparation Eating • Household Services Hygiene • Grooming • Bathing

Phone (505) 863-5898 • Fax (505) 722-9165

Navajo Speaking Se Habla Español

Email: agpcs@amazinggraceinc.com

“Be cared for by GRACE with a Staff that Cares”

1613 S. 2nd St., Gallup, NM

FEDERAL OFFICES: Dept. of Health and Human Services

1-877-696-6775

Discrimination Complaints

1-800-368-1019

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1-800-232-4636

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1-800-447-8477

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1-800-633-4227

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Important

Phone Num bers

FOR EMER GENCY,

CALL 911

NON – EME RGENCY P OLICE DISPATCH: 505-722-2 231

505 346-6923

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1-800-772-1213

Social Security Administration – Gallup

1-888-810-3744

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505-722-1000

Rehoboth McKinley Christian Hospital:

505-863-7000

MCKINLEY COUNTY: County Manager:

505-722-3868

County Clerk:

505-863-6866

Humane Society:

505-863-2616

Sheriff 's Office:

505 863-1410

NEW MEXICO STATE OFFICES: State Police:

505-863-9353

Taxation & Revenue:

505-325-5049

Veterans Service Commission:

505-327-2861

Welfare Department:

505-566-9600

SENIOR CENTERS:

CITY OF GALLUP: City Manager:

505-863-1220

Ford Canyon:

505-863-6884

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505-863-9365

Northside:

505-722-4740

Mayor's Office:

505-863-1223

Utilities:

505-863-1201

TRANSPORTATION:

After hours emergency:

505-863-1200

CLINICS:

Gallup Express:

505-722-2345

VETERANS AFFAIRS Benefits Information and Claim Assistance:

1-800-827-1000

Family Medicine & Associates:

505-722-6603

TTY Hearing Impaired Information & Claims:

1-800-829-4833

New Mexico Cancer Center:

505-726-2400

Headstone & Grave Marker:

1-800-697-6947

RMCHCS College Clinic

505-863-1820

Life Insurance:

1-800-669-8477

RMCHCS Red Rock Clinic

505-863-7200

Medical Care – Gallup

505-722-7234

VA Clinic

505-722-7234

Presidential Memorial Certificates:

202-565-4964

Gallup Senior Guide 2014

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