55 & tttterer
SENIOR EXPO 2013
• Over 30 vendors • Seminars throughout the day • Demonstrations • Register at individual booths for
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Chilson Senior Center, 700 East 4th Street, Loveland 55 AND BETTER
This is the season for fun! The Seasons Club at McKee Medical Center is a free program that helps people, age 50 or better, get the most out of life through health promotion, education and recreation. As a member of the club you’ll receive: • • • • •
A variety of fun day, evening and extended trips Participation in our pioneering Posit Science Brain Fitness Program and software Medicare and health insurance consultations Educational programs, classes, and activities tailored to your specific interests and needs Community discounts
To become a member or for more information call 970-635-4097
2000 N. Boise Ave. • Loveland www.BannerHealth.com keyword: McKee Seasons Club
55 AND BETTER
Sunday, June 16, 2013.
55 & tttterer page 4
Science fiction is now science fact: There’s hope for aging eyes with macular degeneration
Boomers: Your credit profiles matter more now than ever
55 & Better Senior Expo 2013
SENIOR EXPO 2013 Editorial
Misty Kaiser, Marketing & Publications Editor 303-473-1425 email@example.com
Kristine Smith, Judy Finman
Finding love after 55
Simple steps to a healthier heart
Social Security’s paperless switch rubs seniors wrong way
Diabetes uick Fix: Tuscan Bean and Tuna Salad with Tomatoes
Simple ways older drivers can save money on auto insurance
Linda Story, Advertising Director 970-635-3614 firstname.lastname@example.org
Fraud alert: Grandparent scam continues to trick people out of money
Boomers turning 65 face complex healthcare choices
Where experience counts
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Science ﬁction is now science fact: There’s hope for aging eyes with macular degeneration (BPT) - Imagine what it’s like to slowly lose your vision over time - until one day you no longer can read, see the faces of loved ones or participate in your favorite hobbies. While most people accept achy joints or muscle weakness as part of the aging process, eyesight is a critical factor in maintaining a high quality of life and independence. Severe vision loss is a reality for people with age-related macular degeneration (AMD), a disease of the retina that affects more than 9.1 million people in the United States. What is it like to have AMD? The disease robs people of their central vision and leaves only what they can see in their peripheral vision, making it incredibly difﬁcult to use vision for even the simplest activities. AMD’s most advanced form - end-stage AMD - is the leading cause of irreversible vision loss and legal blindness in people age 60 and older. For retired entrepreneur, Willis “James” Hindman, 77, of Westminster, Md., the losses he faced from end-stage AMD were both physical and emotional. Hindman’s passions are his family, friends and the horses that he raises on his farm. AMD destroyed his vision to the point where he couldn’t see people’s faces or watch his race horses cross the ﬁnish line. He felt he was a prisoner of his own limitations and quickly became depressed. Hindman isn’t alone; as the Page 4
baby boomer population continues to grow, the occurrence of AMD is likely to grow with it. According to the U.S. Census Bureau, the baby boomer population will increase to 72 million by 2030, placing roughly 20 percent of the U.S. population at risk for AMD. At this time, there is no cure for AMD and no way to reverse its effects, although there are advanced treatments, including medication injections, laser surgery, and what is most recently getting attention, an FDAapproved telescope implant, that has been clinically demonstrated to improve vision and quality of life for patients living with this debilitating disease. “The telescope implant surgical procedure removes the eye’s natural lens, and replaces it with a tiny telescope, about
the size of a pea,” explains Dr. Mark Mannis, Professor and Chair at University of California, Davis Department of Ophthalmology. “It may sound like science ﬁction, but it is available to patients today. The telescope is implanted in one eye to improve central vision, something no other surgery can do for patients with AMD. The other eye will continue to provide peripheral vision, which is important to maintain orientation and balance.” The telescope implant is integral to a new patient care program, CentraSight. The CentraSight treatment program has been designed to help patients see the things that are important to them, regain independence and re-engage in everyday activities. The program uses a multispecialty eye
55 AND BETTER
and vision care team to follow the necessary steps for proper diagnosis, surgical evaluation, and postoperative care. While the telescope implant does not fully restore vision to its pre-AMD level, it will help the patient enjoy better sight and quality of life following an individualized rehabilitation process, where the patient learns exactly how to use the new telescope implant vision for everyday activities. Hindman had his surgery in December 2012 and today feels he has “a new lease on life.” Working with his low-vision occupational therapist, he practices strengthening his eye with standard vision exercises, but also incorporates personalized, fun activities, like watching his ﬁshing lure bob in the water. Continued on page 6 Sunday, June 16, 2013.
Sunday, June 16, 2013
55 AND BETTER
Continued from page 4 Now Hindman also watches football from across the room, walks to his local ofﬁce without counting steps and, most gratifyingly, sees the faces of his loved ones, including his horses. The telescope implant is available at more than 50 CentraSight treatment centers nationwide. Of note, the telescope implant is also Medicare eligible, making it within reach of most seniors. To be considered potential candidates, patients must: 1. Have irreversible, endstage AMD resulting from either dry or wet AMD 2. No longer be a candidate for drug treatment of your AMD
3. Have not had cataract surgery in the eye in which the telescope will be implanted 4. Meet age, vision and corneal health requirements “After learning how to use the telescope, patients may enjoy better sight so they can do the things they love again like reading, knitting, gardening, walking outside and simply recognizing the faces of family and friends,” says Dr.- Mannis. Patients can talk to their ophthalmologist to see if this procedure is right for them. Visit www.CentraSight.com or call toll-free 877-99-SIGHT (1-877-947-4448) to determine if you or a loved one suffering from AMD is a potential candidate for the procedure.
Does this sound familiar? • Sounds are clear, but you miss certain words, which makes conversation frustrating • You only have trouble hearing in some situations like in a restaurant • Sometimes you hear a loud ringing in your ears
Stop by Advanced Hearing Services’ booth at the Reporter Herald’s 55 & Better Senior Expo to find out why...
Susan D. Baker, BS, BC-HIS Hearing HealthCare Provider
2001 S Shields St., Bldg J2, Fort Collins, CO 80526
55 AND BETTER
Sunday, June 16, 2013.
BOOMERS: Your credit proﬁles matter more now than ever (BPT) - Maintaining a good credit proﬁle is important at all stages of life, even for baby boomers who may have paid off their mortgages and don’t anticipate the need for more big-ticket loans. But it’s important to remember credit scores are used for more than just borrowing money, and you never know when an opportunity or emergency might pop up where credit is needed. To be sure, maintaining good credit can beneﬁt everyone from vacation home shoppers to those seeking college tuition loans, and it can help you acquire ﬁnancing in the event that you’d rather use
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credit than cash. What can baby boomers do to maintain good credit scores or improve lower scores? According to Barrett Burns, president and CEO of VantageScore Solutions, a credit score model developer, it’s a good idea to ﬁrst check that you even have credit history. “It’s actually quite common to have little or no credit history, especially if there’s a primary person who handles family ﬁnancial decisions,” says Burns. “This can leave the other spouse without any credit history. Adding the spouse’s name to the utility bills, mortgage payments and credit card accounts can help them build credit history, which results in a credit score.” Once a credit history is established, keep these tips in mind: • KEEP CREDIT ACCOUNTS ACTIVE. As children leave the household and retirement looms on the horizon, many baby boomers seek to simplify their ﬁnances. What you might not realize is that closing old credit accounts with a positive credit history could negatively affect your credit score, especially if this process is done all at once. Keep the older accounts open, and use them for small purchases.
boomers’ credit accounts as well as their childrens’, and the behavior of either can affect the credit scores of both. Before co-signing, consider the length of the loan’s terms and have conﬁdence that payment obligations will always be met. • KNOW HOW TO PROTECT YOUR SCORE, EVEN IN DISASTERS. Natural disasters can happen at any time, and in any location. Baby boomers who are affected by a natural disaster can ask lenders to ﬂag their accounts while they get their lives sorted out after the disaster. When lenders ﬂag an account in this manner, the account is no longer used when your credit score is calculated. This can have both positive and negative effects. -If you ﬂag an account that has always been paid on time and managed wisely, then that account is likely normally having a positive impact to your score. When it’s ﬂagged for
a natural disaster then you lose that positive impact, and potentially risk lowering your credit score while it remains ﬂagged. On the other hand, if the account has blemishes, those negative elements will be ignored while the account is ﬂagged, temporarily boosting your score. Unlike other credit scoring models, the VantageScore model will include the ﬂagged accounts if doing so will have a positive inﬂuence on the consumer’s score. This way a consumer can continue to beneﬁt from the positive impact that account might provide for them. • REVIEW YOUR CREDIT FILES AND YOUR SCORE. By checking to make sure your credit ﬁles are accurate and knowing your credit scores, you can make changes to your credit habits, improve your scores, or continue down the path of being a good credit manager. Every boomer should get a copy of his or her credit report
annually from each of the national credit reporting companies (Equifax, Experian and TransUnion) at www.annualcreditreport. com and review them to be sure they are complete and accurate. To test your knowledge about credit scores and ﬁnd ways to make improvements in your credit history, visit www. CreditScoreQuiz.org, which was created by VantageScore Solutions along with its partner, Consumer Federation of America. The online quiz is also available in Spanish at www. creditscorequiz.org/Espanol. You never know when you may need to have your credit score pulled so it’s a good idea to continue practicing good credit management habits even if you own your home and your car outright and don’t anticipate applying for a loan at any time in the future. For more information about credit scores, visit www.yourVantageScore.com.
• ENCOURAGE FINANCIAL INDEPENDENCE. It’s a common trend for the baby boomer generation to assist their children and grandchildren ﬁnancially, even helping purchase large-ticket items like tuition, homes and vehicles. Co-signing for a loan affects these generous baby
55 AND BETTER
Sunday, June 16, 2013.
2013 SENIOR EXPO showcases healthy, active lifestyle
B Jud F nman,
“The Reporter-Herald is happy to sponsor this annual event for the community. We look forward to it every year. We invite everyone to stop by the Chilson Senior Center and visit the vendors on June 19 from 9 a.m. to 2 p.m..” - Linda Story, Advertising Director, Loveland Reporter-Herald
Learn all about successful senior living at the upcoming 55 and Better Senior Expo in Loveland on June 19 from 9 a.m. to 2 p.m. This well-known free annual event has become a tradition in Loveland. It is held indoors at the Chilson Senior Sunday, June 16, 2013
Center, at 700 East 4th Street, with 25 to 30 exhibitors of services and products for folks over 55. Turnout is expected to be high, as it was last year, with 300 to 400 visitors. As always, there is plenty of free parking at the Center. Besides many familiar vendors, expect to see new faces this year. Several hearing centers will be represented, senior living, health-related and ﬁnancial services, elder law, funeral service, eye care, memory matters, lift chairs and hospital beds, hospice care, senior transportation and more. Bring your questions and concerns; this is a one-stop opportunity to get answers from experts in a helpful, friendly environment. Plan your time so you can attend one or more breakout seminars: 9:15 a.m.- Hearing Rehab Center, 10 a.m. - Northern Colorado Rehab Center, 10:45 a.m.- Accuquest Hearing Centers, 11:30 a.m. - Money Concepts, 12:15 p.m. - Kirk Eye Center, 1 p.m. - Poudre Foot & Ankle. Here you can learn in
depth from experts in each of these ﬁelds, which are of keen interest to seniors. And, if you enjoy great country barbecue, step out onto the patio and purchase a delicious lunch sponsored by the Circle K Kiwanis Club. “Exhibitors have been calling for months to be sure they have a space,” says Linda Story, advertising director for the Loveland Reporter-Herald, which sponsors the Senior Expo. “And people who attend every year write it on their calendars. It’s our way to give back to seniors, to bring our advertisers together to have fun and to learn. This is one of the most fun-ﬁlled events we have, and our staff really looks forward to it.” They do a big promotion so everyone knows about it: ﬂyers all around town, ads every day in the ReporterHerald, online and in the Special Section devoted to the event. This Senior Expo is not just for seniors. It’s a resource for caregivers, too. If you have
55 AND BETTER
a parent you are concerned about, or are curious for yourself, this is a one-of-a-kind event to learn in a welcoming environment. Topics run the gamut – good health, eye care, retirement planning, nutrition, ﬁnancial matters, AARP beneﬁts, and solutions for problems many seniors and their families and caregivers encounter. Vendors will have giveaways and demonstrations, and attendees can register for freebies. According to the U.S. Census Bureau, in 2010, 40 million people age 65 and over lived in the United States, accounting for 13 percent of the total population. The older population grew from 3 million in 1900 to 40 million in 2010. The oldestold population (those age 85 and over) grew from just over 100,000 in 1900 to 5.5 million in 2010. Along with these increasing numbers, interest is growing in providing services for the senior population. Patty Welfare, recreation coordinator at the Chilson Senior Center, talks about the Page 9.
beneﬁts of attending. “It’s the only event of its kind we have here during the year. People
get excited about it. Seniors don’t always know where to get answers, so if they have issues this is a great resource for them because it gives them a lot of information. People look forward to it and start asking in April, ‘When is the Expo?’ In fact, the exercise class that
morning goes right over to the Expo after class.” She, too, recommends the event for people whose mother or father needs these resources. “The exhibitors have been good about explaining their
product or service.” And on the fun side, “Everybody likes the little extras they get by visiting
the booths – like candy.” Welfare mentions another beneﬁt attendees can expect:
“It’s also good for people who haven’t been to the Chilson Senior Center. We have so many things going on – exercise classes of all kinds, including water exercises in the pool, special
events, nail care and massage services, barbecues, day trips, billiards, volleyball and other active programs. It’s a great social place for gathering – you see people in the lobby playing cards and drinking coffee, or sitting and talking.” Come and join the fun, get your questions answered, and
learn how to secure your own 55 and better lifestyle.
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S E N I O R E X P O 2 013 AT A G L A N C E
This year’s expo features over 30 vendors with goods and services tailored speciﬁcally to those 55 and better: • • • • • • • • • • • • • • • • •
AARP A Step Ahead Foot and Ankle Center Accuquest Hearing Centers Advanced Hearing Services Allnutt Funneral Service Columbine Health Dr. Jennifer Cecil Elder Care Network of Northern Colorado Eye Care of Northern Colorado Good Samaritan Society Loveland Village Hearing Rehab Center The Hillcrest J Days Appliance Kirk Eye Center Kaiser Permanente Lincare Inc. McKee Medical Center
• • • • • • • •
Memory Care at Seven Lakes Money Concepts Northern Colorado Rehab Center Noble House Pathways Hospice Poudre Foot & Ankle SAINT Volunteer Transportation Stone Law
Seminars begin at 9:15 a.m., don’t miss out on a variety of relevant topics from these professionals that you know and trust: 9:15 a.m. 10 a.m. 10:45 a.m. 11:30 a.m. 12:15 p.m. 1 p.m.
Hearing Rehab Center Northern Colorado Rehab Center Accuquest Hearing Center Money Concepts Kirk Eye Center Poudre Foot & Ankle
Pathways Hospice, a community-based non-profit agency since 1978, provides exceptional nursing, emotional and spiritual care for those navigating the last months of life, and grief support for families and friends.
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www.pathways-care.org firstname.lastname@example.org 305 Carpenter Road, Fort Collins, CO 80525 • 970-663-3500
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970.635.3650 55 AND BETTER
On the road to love after 55
B Kristin S ith,
Loveland Reporter-Herald Dating over the age of 55 can be intimidating and downright scary for men and women who ﬁnd themselves single again. However, we all know life does not go according to the plans we envisioned back in our twenties. Whether it is a death of a partner, a divorce or simply not ﬁnding ‘the one’ at an earlier point in life, seniors often ﬁnd themselves alone and seeking companionship. Seniors may feel it is a daunting task to even begin dating at this age. Baby Boomers represent approximately 28% of the population, with over 24 million Boomers 50 and over and by the year 2030, the Baby Boomers will be ages 66 to 84 and make up 20% of the total population. With statistics like those, it is easy to see that the number of seniors entering the
dating scene will be growing steadily in the coming years. So, where are the best places to look for companionship for the newly single senior? Online dating for people over ﬁfty is a one practical choice. There are many dating websites that are dedicated to the over ﬁfty set. Ourtime. com is one such site that makes it easy for those new to the world of online dating by offering dating advice from experts as well as the option to search without requiring a membership. EHarmony.com may not be limited to seniors, but their extensive matching system makes it easy to ﬁnd others in the same age group. They even make it simpler for the mature single by narrowing down the survey for perfect matches according to predetermined criteria.
It is often more convenient and less intimidating to start the relationship online by sending emails and making phone calls from the comfort of home. There is no need to ‘hang out’ at more conventional social locations trying to identify and woo a potential partner. With online dating, the mature single can easily ﬁnd a convenient time to socialize online and arrange their own dates at their own pace. Statistics show that almost two-thirds of adults between the ages of 50 and 64 use the internet and that almost 20% of trafﬁc to online dating sites is from users 55 and over, which make the chances of connecting with someone within their age demographic fairly high. For those not as comfortable using this newer dating tool, getting out there and meeting face-to-face is the tried
55 AND BETTER
and true choice. As Boomers enter retirement age, many choose to maintain and enjoy an active lifestyle. There are many social groups available to encourage seniors to ﬁnd new friends with similar interests. Enroll in classes or book clubs. Join a group of hikers or ﬁlm aﬁcionados. Attend a lecture or luncheon. Locally, Chilson Recreation Center offers an extensive variety of drop-in options speciﬁcally for those 55 and better who just want occasional opportunities to socialize with a low commitment level. A complete listing of their events and classes is available online by visiting www.cityoﬂoveland.org/index.aspx?page=276. Connecting with someone over a shared ‘like’, increases the odds of ﬁnding a friend or date with staying power. If seniors have difﬁculty ﬁnding a club or class that ﬁts Sunday, June 16, 2013.
their particular desire, one regional choice is Meet Up, a social networking site that boasts groups dedicated to almost every interest. They offer singles groups, bridge, Mah Jong, book clubs, hiking and skiing clubs, and many more. The meet-ups are usually with large groups which takes a little of the pressure out of what could be a stressful situation. To join a group or club, simply register online at www.meetup.com, then the organizer of the group will email members the meet up times and locations. At the very least, you will end up meeting new people with something interesting to do together or talk about. This will help you to relax and have conﬁdence about entering the social scene again.
Another great way to widen your social circle is to join social groups which are involved in giving back to society. Volunteering at a local hospital or a museum is a great way to reconnect with the commu-
nity while meeting interesting people that may become good friends, at the very least. Getting a part time job is another way to become more social and expand your potential dating horizons.
There are many chances at love after 55, and it’s often a better love than what you felt at a younger age. You are more mature and have made most of your mistakes already, you know what you do and do not want out of a partner, a relationship, and life. Fully understanding yourself allows you to carefully consider what you want and gives you the wisdom to go out and get it. Above all, just be yourself and enjoy good company. Be honest with people and about your single status. The companionship you ﬁnd and the associations you build will become cherished assets and enrich your life.
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55 AND BETTER
Social Security’s paperless switch rubs seniors wrong way B Claudia B ck,
The Sacramento Bee (MCT) Ready or not, millions of America’s seniors are being pushed into the age of digital banking. Starting March 1, in a cost-cutting move by the U.S. Treasury, most Social Security checks will no longer arrive by mail. Like IRS forms and U.S. savings bonds before them, it’s bye-bye paper. That means some 5 million Americans who still get a Social Security, disability or other federal beneﬁt check in their mailbox must switch to electronic payments: either direct deposit into their bank account or onto a Treasury-issued debit card. For those unaccustomed to ATMs or online banking, the prospect is a bit unnerving. “Older seniors like having that check in their hand,” said Patricia Beal, executive director of the Senior Center of Elk Grove, Calif. “As we age, we lose control over a lot of things and this is just one more.” And it’s got some folks riled up. Michigan resident Mike Clement, after reading online that the Sacramento Bee wanted to talk with those who prefer paper checks, emailed and called to say that he and his elderly mother are “hopping mad” that she is being forced to switch to electronic payment. “It really should be a matter of personal choice,” Clement said. “Unfortunately, the feds seem not to care a whit about
personal preference.” There’s even organized opposition to the switch. A group called Consumers for Paper Options, based in Washington, D.C., has been ﬁghting the paper-free mandate for more than a year. Many Social Security recipients “are unbanked, while others are simply uncomfortable in the digital world,” John Runyan, president of the group, said in an email to The Bee. In testimony to a House committee last year, he said it’s unfair to force seniors to navigate “a new and potentially confusing world full of PINs, ATMs and online statements.” He also pointed to instances of direct-deposit-related fraud
with Social Security payments. The Treasury Department, however, says that, unlike paper checks that can be lost or stolen, electronic payments are easily traced and quickly restored in the rare instance of fraud. The Treasury’s paperless campaign is primarily billed as a federal cost-cutter, saving an estimated $1 billion in checkprocessing and mailing costs over 10 years. It also is touted to be safer, easier and more convenient. Currently, 65 million federal beneﬁt recipients _ or 93 percent _ receive their payments electronically. That includes Social Security, Supplemental Security Income, veterans’ and
55 AND BETTER
railroad retirement, all of which are subject to the switch. California has the largest number of residents _ roughly 399,000 _ receiving a beneﬁt check by mail, followed by New York (308,000), Texas (300,000) and Florida (196,000). There are some exemptions to the paperless requirement, such as those who are age 91 or older. Those who ignore or miss the mandatory deadline won’t get cut off or face penalties. “We can’t stop sending their payments. They depend on them,” said Walt Henderson, director of the Treasury’s GoDirect campaign in Washington, D.C. “But we will be communicating with them in a more
Sunday, June 16, 2013.
direct way via letter.” The paper-free move is partly to address the wave of baby boomers who are retiring and entering their Social Security years. Since the paperless plan was announced in April 2011, all new applicants for federal beneﬁts are required to choose an electronic payment method. Beal, from the Elk Grove senior center, said that while seniors may complain about the change, most of them are resilient and will adapt. “They’ve already been through so much transition in their lives _ the Depression, world wars, the loss of spouses, the loss of children _ that is far bigger than this. They’ll adjust, but it’ll take time.” Certainly, not every senior is upset by the change. At 82, Sacramento, Calif., resident Frances Comstock
said she has had her monthly Social Security check automatically deposited into her bank account for nearly 20 years. “I was so afraid someone would steal it from my mailbox. (With direct deposit,) I didn’t have to go the bank to cash my check. You always know your money is there. It’s peace of mind,” said Comstock, a former Aerojet telephone operator. She predicts that once paperless payments go into effect for all Americans on March 1, “They’re going to kick themselves: ‘Why didn’t I do this before?’” ___ (c)2013 The Sacramento Bee (Sacramento, Calif.) Visit The Sacramento Bee (Sacramento, Calif.) at www.sacbee.com Distributed by MCT Information Services
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Right now there’s an important debate going on about the future of Medicare and Social Security. While some politicians in Washington are pushing harmful cuts, AARP is fighting for responsible solutions that keep the promises we’ve made to current seniors and keep the programs strong for our kids and grandkids. Politicians are talking, but it’s your voice that needs to be heard to keep Medicare and Social Security strong.
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Simple ways older drivers can save money on auto insurance (BPT) - Are your auto insurance premiums too high? Maybe they are, but not for reasons you might think. Insurance companies aren’t charging you higher premiums because you’re in an over-50 age group. You may be paying too much because you haven’t done anything to lower the cost of your premiums. Check out these money-saving tips - they could be right up your alley. • COMPARISON SHOP. You don’t need to stay with the same insurance company forever. Prices vary
from company to company. Just be sure you discuss the identical coverage with each company representative. Also, don’t go by price alone. Consider the company’s reputation, customer service and available discounts. Look online at customer reviews to get a better picture. • COMBINE POLICIES WITH ONE CARRIER. You may save money if you insure all your vehicles on a single policy. Your premium may also go down if you
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have life or homeowners’ insurance with that company, too.
auto insurance company (check with your insurance agent for more details). Visit www.aarp.org/drive to ﬁnd a course in your area.
• CONSIDER ASKING ABOUT HIGHER DEDUCTIBLES. In some cases, if you increase your deductible, you could lower your premiums. Of course, that means you’ll have to pay more money out-of-pocket if you’re in an accident.
• CONSIDER DROPPING COLLISION AND/OR COMPREHENSIVE COVERAGE. It may not make ﬁnancial sense to pay premiums over many years to maintain collision and comprehensive coverage. If your car is worth less than 10 times the premium, purchasing the coverage may not be cost effective, according to the Insurance Information Institute (III). But don’t drop your liability coverage, which can help cover expenses for property or bodily damage you cause while driving your car.
• TAKE AN AARP DRIVER SAFETY COURSE. Available both online and in the classroom - in English and Spanish - this course teaches valuable defensive driving techniques and provides a refresher about the rules of the road. When you complete the course, you could qualify for a multiyear discount from your
Making Life A Little Easier... J Days Appliance is now a local
• TAKE ADVANTAGE OF LOWMILEAGE DISCOUNTS. Some carriers offer discounts to drivers who put less than a predetermined number of miles on their vehicles each year. If you’re only using your car to drive to your kids’ houses, the grocery store, the mall and the gym, this could be a money-saving opportunity. • ASK ABOUT CAR-SAFETY DISCOUNTS. Some insurers give discounts for having certain safety devices in your car, such as air bags, automatic safety belts, anti-lock brakes, daytime running lights, or even an approved alarm system. In addition to lowering your premium, these features will help keep you safe on the road.
beds. Health issues do not have to deprive you of mobility and comfort. Come in today for a demonstration and try them
You and your friends are invited to join
Holly Stewart of Money Concepts for.....
Complimentary Tea And Lunch
at Loveland’s Swan House; a Celtic Tea Room at 317 E. 6th St. on EITHER THURSDAY, JULY 11th or FRIDAY, JULY 19th from 11:30 to 1:00 pm
On either chair or bed Expires 7/31/13
Doing Business in LoveLanD since 1994
THIS “WOMEN ONLY” event will feature a short presentation by Meghan Eddy of InSource Insurance. Meghan will delight us with ways to use insured investments to increase your income. Door prizes will be given!! Please RSVP to Dee Welp at (970)776-8854 with your names.
Friendly • Knowledgeable • Prompt • Professional • Do It Yourselfer
Sunday, June 16, 2013
Everyone’s trying to save money these days. By following these tips, you’ll be in the driver’s seat when it comes to auto insurance premiums.
Tea For Two: An “Annui-Tea” Party
outlet for lift chairs and adjustable
Jim Day and Kathy Day
IF YOU’RE IN THE MARKET FOR A NEW CAR, CONSIDER PURCHASING A LOW-PROFILE VEHICLE. It’s more expensive to insure a vehicle that’s expensive to repair, popular with thieves or known for not having a good safety record. To ﬁnd out vehicles’ risk levels, visit the Insurance Institute for Highway Safety website.
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Boomers turning 65 face complex HEALTHCARE CHOICES
(BPT) - Every day, about 10,000 baby boomers turn 65 and become eligible for Medicare. Not everyone will sign up, but it’s important to understand the importance of early choices when enrolling in Medicare for the ﬁrst time. You can enroll in Medicare three months before turning 65, the month you turn 65 or up to three months afterward. “Turning 65 opens the door to Medicare eligibility, but it brings with it some complex choices,” says Paula Muschler, manager of the Allsup Medicare Advisor, a personalized Medicare plan selection service. “Choices seniors make at this time can impact their healthcare costs over the long term and their entire family.” Muschler offers the following key steps for Medicare ﬁrst-timers. Page 18
1. Take a look at your existing group health plan coverage and think about how it will coordinate with Medicare. Many people work past age 65. As a result, Medicareeligible individuals who have health coverage through their employer or their spouse’s employer may be able to wait to enroll in Medicare Part B, which covers outpatient medical care. This is not true in every case, however. This option depends on other factors, such as the size of the employer and how soon you expect to retire after reaching 65. You may want to consider enrolling in Medicare Part A, which includes hospital coverage, even if you defer Part B. 2. Consider the options for ﬁrst-time enrollment, keeping in mind your current health
needs and ﬁnancial resources. If you choose traditional Medicare, you have an average of 31 Medicare Part D prescription drug plans from which to choose. You can also choose from 10 standard Medigap policies for supplemental coverage, ranging from basic to comprehensive coverage. The price for these plans also can differ from one company to the next. Adding to the complexity, Medigap plans are not required to accept you after your initial enrollment period. This is one reason ﬁrst-time choices are crucial. Seniors evaluating Medicare Advantage plans over traditional Medicare also have an array of options - an average of 20 plans, depending on where you live. “We’ve been able to help Allsup customers
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ﬁnd plans that cost less and match their speciﬁc healthcare needs,” Muschler says. 3. Follow Medicare enrollment rules to avoid costly mistakes. Penalties are in place for decisions related to Part B and Part D coverage. The late-enrollment penalty is 10 percent for each full 12-month period you could have been enrolled in Part B. Likewise, Part D imposes a penalty if you go for more than 63 days without coverage after enrolling in Part B. “Your ﬁrst-time Medicare plan choices also are more complicated if you have retirement dates, COBRA coverage or dependent coverage to consider,” Muschler says. “These are good reasons to contact a Medicare specialist, who can help answer the right quesSunday, June 16, 2013.
tions and provide guidance to seniors so they make choices that match their situations.” 4. Understand how higher income and changes in your income affect Medicare costs. Higher-income beneﬁciaries pay higher premiums for Medicare Part B and prescription drug coverage. For Part B, the 2013 monthly premium is $104.90 for joint ﬁlers with income of $170,000 or below ($85,000 for single ﬁlers). However, the premium increases to between $146.90 and $335.70 for those with incomes above these thresholds. Likewise, higher-income beneﬁciaries can expect to pay from $11.60 to $66.40 more each month in prescription drug premiums. The Social Security Administration uses IRS records
when determining premiums. Social Security may reduce an individual’s income-related monthly premium with veriﬁcation. “Social Security has speciﬁc requirements about how you can document changes in your income when you are requesting reduced Medicare premiums,” Muschler
55 & Better SENIOR EXPO
explains. 5. Review healthcare coverage for your spouse and dependents to determine how your choices may affect their coverage. If you are nearing Medicare eligibility, you can ﬁnd yourself at a crossroads when it comes to providing health-
care for your entire family. Some employers may continue to provide coverage to a worker’s family, or you may need to purchase COBRA coverage or private coverage for family members. “One early step is to talk with your beneﬁts plan administrator to see what options you may have and then plan for your family,” Muschler says. Seniors turning 65 have seven months during their initial enrollment period to make critical decisions. But you can begin evaluating your options earlier to be better prepared. For a free brochure on “Turning 65 and Medicare Enrollment” or for an evaluation of Medicare options, call an Allsup Medicare Advisor specialist at (866) 521-7655 or go to Medicare.Allsup.com.
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1 (970) 744-5967 Sunday, June 16, 2013
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2902 Ginnala Drive - Loveland, CO (Across from Post Office on 29th. St.) www.cecil.yourmd.com
Brandy Morrow, OD Optometrist & Contact Lens Specialist
Simple steps to a healthier heart (BPT) - For millions of Americans, the battle against heart disease and other cardiovascular conditions goes on year round. About 600,000 people die from heart disease in the United States each year, according to the Centers for Disease Control and Prevention, making heart disease the leading cause of death for both men and women. However, despite the grim realities of heart disease, the steps to achieve better heart health can be simple. Experts agree that heart disease can be both preventable and controllable with the appropriate lifestyle changes. Registered dietician Elizabeth Somer, author of “Eat Your Way to Sexy” believes there are clear steps a person can take to turn around his or her heart health. “Many people with heart disease may be able to improve their heart health by making a few changes to what they eat, how much they move and their lifestyle,” Somer says. “There are four key things to think about for heart health: keep your blood fat levels down, keep your blood pressure in check, promote healthy blood ﬂow and circulation, and keep inﬂammation down.” Here are ﬁve simple steps you can take to reduce your risk of cardiovascular disease and improve your overall health. 1. TAKE CONTROL OF CHOLESTEROL WITH OAT FIBER: Nu-
merous studies spanning a decade or more of research support the claim that dietary ﬁber from whole grains, as part of an overall healthy diet, helps reduce blood cholesterol levels and may lower the risk of heart disease. The ﬁber in oats is a soluble ﬁber called beta glucan. This ﬁber works by ﬂushing cholesterol out of the system. Additionally, ﬁber-rich foods such as whole grains help provide a feeling of fullness with fewer calories and so may help with weight management. 2. BETTER YOUR BLOOD PRESSURE: Nearly one-third of all American adults have high blood pressure and more than half of them don’t have it under control, according to the CDC. The risks that accompany uncontrolled high blood pressure are serious. However, taking easy steps will lower that risk. Exercising and maintaining a healthy body weight, in addition to eating a low-sodium diet, can all contribute to a healthier blood pressure. Also, if you smoke a pack of cigarettes a day, you have more than twice the risk of a heart attack than people who’ve never smoked. 3. KEEP YOUR BLOOD FLOWING: Products are now available that provide a natural way to help promote healthy blood ﬂow by supporting normal platelet function. A tomatobased concentrate made from select Mediterranean tomatoes called Fruitﬂow is a natural,
healthy and safe ingredient that has been proven through clinical research to keep platelets smooth, thereby promoting healthy blood ﬂow. Try products with this ingredient like Langers Tomato Juice Plus or L&A Tomato Juice with Fruitﬂow as healthy daily beverage choices. 4. DECREASE INFLAMMATION: Research suggests that omega-3 fatty acids such as DHA and EPA may help reduce inﬂammation and may also help lower risks of chronic diseases such as heart disease. Load up on heart-healthy foods like colorful fruits and vegetables, salmon, mackerel, nuts and
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foods fortiﬁed with EPA/DHA Omega-3 fatty acids such as certain milks, snacks and even cooking oils. 5. SHED THE LAYERS: It’s nothing new. We know that being overweight puts us at risk for numerous health problems, including an increased risk of both heart disease and stroke. The change in seasons can serve as the perfect springboard into a new exercise routine. Take advantage of extended daylight hours by sneaking a sweat session into your evening routine and take control of your diet, making sure to cut back on foods with saturated and trans fats.
Sunday, June 16, 2013.
Diabetes Quick Fix: Tuscan Bean and Tuna Salad with Tomatoes B Lind Gassenheimer
McClatchy-Tribune News Service (MCT)
Use this quick diabetes-friendly meal to make a quick lunch or simple dinner. Vinaigrette dressing makes this popular Italian salad a nice change from tuna salad with a mayonnaise base. The Tomato Salad is a colorful complement. Helpful Hints: Any type of canned bean can be used. Buy the best quality white meat tuna packed in water for the best results. Watermelon cubes can be bought in the produce section of most supermarkets. ——— TUSCAN TUNA AND BEAN SALAD WITH TOMATOES • 1 cup rinsed and drained small white beans, cannellini
or navy • ¼ cup diced red onion • 1 6-oz can white meat tuna packed in water • ½ cup chopped fresh parsley, divided use • 2 tablespoons plus 2 teaspoons olive oil and balsamic vinegar dressing, divided use • Salt and fresh ground black pepper • ½ head red leaf lettuce • 2 cups tomatoes cut into ½-inch pieces Place beans in a serving bowl and add the onion. Drain the tuna and break into large ﬂakes. Add to the beans. Add half the parsley, 2 tablespoons dressing and salt and pepper to taste. Gently toss. Arrange lettuce leaves on a serving platter and spoon the salad over the leaves. Toss tomatoes with 2 teaspoons
Active LINCARE responds to your individual needs by providing the oxygen system most appropriate for your lifestyle. Oxygen concentrators, liquid oxygen systems, and high pressure cylinders are provided according to your physician’s prescription and with consideration for your unique activity level.
dressing. Add salt and pepper to taste and toss again. Arrange around edges of salad plate. Sprinkle tuna and tomatoes with the remaining parsley and serve. Serves 2. Per serving: 352 calories, 8 g fat, 1 g saturated fat, 21 mg cholesterol, 30 g protein, 36 g carbohydrates, 10 g dietary ﬁber, 8g sugars,612 mg sodium. Exchanges/Choices: 1½ starch, 3 lean meat, 2 vegetable, 1 fat ——— DESSERT 2 cups watermelon cubes Divide between 2 dessert bowls and serve. Serves 2. Per serving: 46 calories, 0.2 g fat, 0 g saturated fat, 0 mg cholesterol, 1 g protein, 11 g carbohydrates, 0 g dietary ﬁber, 9 g sugars, 2 mg sodium. Exchanges/Choices: 1 fruit
SHOPPING LIST Here are the ingredients you’ll need: 1 red onion, 1 small bunch parsley, 1 small head red leaf lettuce, 2 medium tomatoes, 1 small container watermelon cubes (about 10 oz.), 1 6-oz can white meat tuna packed in water, 1 8-oz can white beans, cannellini or navy Staples: Oil and balsamic vinegar dressing, salt, and black peppercorns ———
(From “Mix’n’Match Meals in Minutes for People with Diabetes” by Linda Gassenheimer, published by the American Diabetes Association. Reprinted with permission from The American Diabetes Association. To order this book call 1-800-2326733 or order online at http://store. diabetes.org) Distributed by MCT Information Services
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Product and service availability may vary by location. Call your local center to find out which service is available in your area.
Sunday, June 16, 2013
55 AND BETTER
FRAUD ALERT: Grandparent scam continues to trick people out of money (BPT) - Imagine being woken by a phone call in the middle of the night. It’s your crying grandchild, who is asking for money because of an accident. Of course you want to help your loved one, so you do whatever you can in this emergency situation. You open your wallet without hesitation. Unfortunately you’ve just become a victim of a scam that is happening across the country. Known as the “grandparent scam,” this type of fraud involves bogus calls from people claiming to be relatives in trouble. The personal nature and urgency of these calls causes people to let their guard down, and act quickly
without verifying the validity of the call.
“Criminals often target older people, but in reality anyone
of any age can be a target of a scam,” says Phil Hopkins, vice president of global security with Western Union. “With more people sharing personal information online, such as through social media websites, it’s easier for criminals to learn details of personal relationships so they can imitate loved ones by name. Newspapers and obituaries are also good sources of personal information, providing detailed relationship information.” Con artists may also impersonate attorneys, police ofﬁcers or bail bondsmen to create a sense of urgency and legitimacy. Add in loud background noises, mufﬂed voices
Kaiser Permanente Medicare Health Plans
With Kaiser Permanente Senior Advantage (HMO), you may get more benefits and services than Original Medicare alone, which can help you stay healthy, active, and independent. So give me a call for more information—I look forward to talking with you soon. C.J. Joplin-Jack Kaiser Permanente Sales Representative 1-877-410-7076 TTY 711 for the hearing/speech impaired For Customer Service, call 1-866-949-7162 TTY 711 for the hearing/speech impaired Seven days a week, 8 a.m. to 8 p.m. kp.org/medicare Kaiser Permanente is a health plan with a Medicare contract. Eligible Medicare beneficiaries may enroll in a Medicare Health Plan and/or Medicare Prescription Drug Plan only during specific times of the year. For more information, please contact Kaiser Permanente. You must reside in the Kaiser Permanente Senior Advantage service area in which you enroll. H0630_12063SC File & Use (06/27/2012) MOM 60091641 COSC SKU 12-SC-SAAD1 55 AND BETTER
Sunday, June 16, 2013.
or fuzzy phone lines, and it’s easy to believe someone is calling from jail or a remote location, where he or she may be in trouble. In addition to calling victims, hackers use similar strategies to target victims through email. Tapping into a person’s address book, scammers send emails or instant messages directly from the person’s email account alerting friends and others of the “emergency” and requesting funds. Do not respond to the email and conﬁrm the situation by contacting the person by phone or other means.“Awareness is the best defense against emergency scams,” says Hopkins. “These scams can be convincing, but it’s important to keep a few things in mind before you rush to help.” Hopkins recommends you
follow these tips to avoid becoming a victim of the emergency scam or other types of fraud: 1. If you receive a phone call or email claiming a friend or family member needs cash, take a moment to review the situation. Does it make sense? Can you verify the emergency? 2. Call the person at a known telephone number, not a number given to you by the caller. Or, call a mutual friend or another relative and ﬁnd out if he or she is aware of the situation. 3. Let your friend or family member know that you have received a call or email from the person requesting help. If the request turns out to be fake, contact the police immediately.
4. Regardless of whether you are contacted by phone, email or some other means, be suspicious of requests to send money to “help a friend or family member out” unless you can verify the information you’ve been given with 100 percent conﬁdence.
one you have not met in person. 7. For more information on scams or for more tips on how to help protect yourself from scams, visit WesternUnion. com/stopfraud.
5. If you did send a money transfer through Western Union, and then realize that it was for a scam, contact the Western Union Fraud Hotline at 1-800448-1492. If the transaction has not been picked up, it will be refunded to you. 6. Never send money to some-
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Dr. linda Moore, Dr. Andrea Hardy, and Jerry Brungardt are passionate about providing the highest level of care for their patients. Dr. Moore joined HRC in 2012, bringing her extensive knowledge of current hearing aid technology. Dr. Hardy, a native Coloradoan, spent 13 years practicing audiology in tucson, Arizona. Jerry joined HRC in 2007, bringing with him five years of dispensing experience. together they strive to improve each patient’s life through better hearing.
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ome places have a policy of providing excellence S in retirement living. Others have a history of it. 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 40 years, the Good Samaritan Society – Loveland Village has offered housing and supportive services to seniors of all faiths and beliefs. Proud to be celebrating 40 years in Loveland. To learn more, visit www.good-sam.com. The Evangelical Lutheran Good Samaritan Society provides housing and services to qualified individuals without regard to race, color, religion, gender, disability, familial status, national origin or other protected statuses according to applicable federal, state or local laws. All faiths or beliefs are welcome. Copyright © 2013 The Evangelical Lutheran Good Samaritan Society. All rights reserved. 13-G0637
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Sunday, June 16, 2013.