July Issue of THRIVE Local Magazine

July 20 20

Nor t her n Color ado Edit ion

Pat r iot ic Phyllis Loveland, Colorado

Ph ot o by AM A Divin e Ph ot ogr aph y

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Impor tant Phone Number s Ber t h ou d Senior Center 970-532-2730 Berthoud Area Transportation Sys. (BATS) 970-344-5816 Rural Alternative For Transportation (RAFT)970-532-0808 Eat on Recreation Center - Active Adults

970-893-1200

Est es Par k Estes Valley Community Center 970-586-8191 Estes Park Senior Citizens Center (EPSCC) 970-581-2195 VIA Transportation 303-447-9636

In This Issue.....

Pu blish er s' Not es............................ 4 In dex of Spon sor s............................5

For t Collin s Senior Center SAINT Transportation

970-221-6644 970-223-8653

Gr eeley Active Adult Center 60+ Ride

970-350-9440 970-352-9348

Joh n st ow n Senior Center 60+ Ride

970-587-5251 970-352-9348

Lovelan d Chilson Senior Center SAINT Transportation

970-962-2783 970-223-8653

M illik en Senior Center 60+ Ride

970-587-2484 970-352-9348

In t h e Spot ligh t ............................... 6 Ou t & Abou t Est es Par k .................. 8

THRIVE Local Cont r ibut or s

Br ain Gam es.................................... 9 Local Adven t u r es............................ 10 Ber t h ou d Bu sin ess.......................... 12 Ou t & Abou t Lovelan d.................... 14 Ft Collin s Residen t .......................... 16

Bob McDonnell Johnstown

Phyllis Kennemer Loveland

Terry Rustin Estes Park

Danita Nixon

Mark Nixon

Virginia Huppe Berthoud

Ali Almquist Photographer

Healt h y Livin g................................. 17 Joh n st ow n Residen t ........................ 18 Tr avel Tales...................................... 20 Legal View s...................................... 22

Š2020 THRIVE Local Magazine, 1635 Foxtrail Dr., Loveland, CO 80538 970-852-4900 All rights reserved. Reproduction in whole or part without written permission is strictly prohibited. Advertisements contained within this publication do not represent endorsement by the publisher. Publisher may not be held liable or responsible for business practices of these companies.

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THRIVELocalmagazine.com July 2020

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It 's n ot JUST a m agazin e it 's a M OVEM ENT! Summer is upon us. We hope t hat you are t hriving in your current sit uat ion. If not , and you need assist ance, please reach out to us! If we can't help you we w ill help you find someone w ho can.

During t hese t imes, more t hen ever, we need to st ick toget her!

Please cont inue to send us your ideas for inspirat ional art icles, upcoming event s, book signings, birt hday and anniversary celebrat ions...t his magazine is all about YOU!

INSPIRE - CONNECT - EDUCATE

Don't Miss a Single Issue Pick up a har d copy of t he magazine at : Ber t h ou d: Est es: Ft . Collin s: Gr eeley: Joh n st ow n : Lovelan d: M illik en :

Hays Market, Library, Senior Center Recreation Center, Senior Centers, MedX Safeway (Harmony Rd) Safeway 10th St, Senior Center Senior Center Safeway (Cleveland), Library, Chilson Senior Ctr., Pizza Ranch, Perkins, Golden Corral, Mimi's Senior Center

Send your ideas to content @t hrivelocalmagazine.com or call 970-852-4900.

Have THRIVE Local deliver ed t o you...

Danit a & Mark Nixon

There are two ways to subscribe:

Stay well.

Digit al Su bscr ipt ion : Free - Email your email address to Danita@thrivelocalmagazine.com Har d copy m agazin e, m ail su bscr ipt ion : $24.00 for 12 issues. Mail a check to THRIVE Local Magazine, 1635 Foxtail Dr., Loveland, CO 80538 Or , call 970-852-4900 t o set u p you r su bscr ipt ion

We are looking for t he follow ing t his mont h:

Meet t he Publisher s

Seasoned Adult s w ho live in Greeley, Fort Collins, and Johnstow n w ho are act ive in t heir communit y. This posit ion is to be a key cont act person for t he magazine, ident ifying potent ial art icles on a mont hly basis.

Paid posit ion.

Danita & Mark Nixon are residents of Loveland.

Mark is a native of Colorado, born in Ft. Collins. Danita was raised a Navy brat, and considers Colorado home.

We ar e look in g f or w r it er s in For t Collin s an d Gr eeley.

Season ed adu lt s w h o gar den , f ar m or ar e r an ch er s in Nor t h er n Color ado (in clu din g Est es Par k ) Sen d in f o t o: con t en t @t h r ivelocalm agazin e.com 4 July 2020 44 THRIVELocal.com 5THRIVELocalmagazine.com THRIVELoveland.com Jan 2020 January 2020

When they aren't working or serving in the community, Danita & Mark can be found spending time with friends and family (5 grand kids), "sampling" craft beers, geocaching, traveling or soaking in hot springs!

Our Sponsors make it possible to provide this monthly publication to our community free of charge. When you have a need for our sponsors' products or services, we ask that you give them a chance to earn your business.

Please tell them you found them in the THRIVE Local magazine!

Index of Sponsor s

At t or ney

Jorgensen, Brownell & Pepin, P.C.

800-598-4348

Aut o Glass

Prime Time Auto Glass

970-305-0476

Cleaning

One Source Cleaning

970-818-3313

Cof fee & Smoot hies

Maui Wowi

116 Peridot Ave

Der mat ology

Monarch Dermatology & Surgery

970-800-9330

Elect r ician

Grayson Electric

970-852-4480

Financial Advisor

Edward Jones, Art Aldrich

970-663-0554

Gr aphic Design

Lotus Design

970-412-1283

Heat ing & Air

Custom Heating & Air Conditioning

970-282-7220

Healt h Coach

Living Well Intentionally

970-402-4839

In Home Car e

Phoenix Home Care

970-667-2273

Insur ance

Secure American Insurance, Mark Nixon

970-663-9197

Medical Equipment

Mobility & More

970-461-8400

Mor t gage

Family Mortgage CO

970-203-0284

Moving Company

Exodus Moving

970-484-1488

Phot ogr apher

AMA Divine Photography

970-412-5742

Real Est at e

Kimberly Caldwell

970-980-1671

Senior Living

Senior Living Advisors of Colorado

970-541-4592

St or age

Freedom Self Storage

970-219-0690

Tr avel

Cruise Planners

970-578-9779

Who do you k now t hat you would r ecommend t o your neighbor s?

THRIVE Local Magazine is looking for introductions to the following businesses: Audiologist Orthopedic doctor Auto sales Handyman Computer Repair

Optician Auto repair Bank Roofer Organizer

Dentist Auto body Remodeler Painter Seamstress

Call Dan it a at 970-852-4900 or em ail: dan it a@t h r ivelocalm agazin e.com 5 THRIVELocalmagazine.com July 2020

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In the Spotlight

Pat r iot ic Phyllis

by Bob M cDon n ell ph ot os by AM A Divin e Ph ot ogr aph y

Phyllis Minch bleeds red, white, and blue. In her case, it?s navy blue. This veteran of the U.S. Navy loves her country and her fellow veterans. She has spent a lifetime giving back to her community and to her military brothers and sisters.

It?s no surprise to anyone who knows Phyllis that her yard in Loveland is adorned with a lighted large American flag.

Phyllis attended high school in Protection, KS, which is 50 miles southwest of Dodge City, KS. She graduated in 1964, along with 21 classmates.

Phyllis and her best friend decided to go to either business school or cosmetology school together.

Their main goal was to get away from home. They flipped a coin to decide which school they would attend. Phyllis lost, so they signed up for cosmetology school. The training lasted for nine months.

While in school, students practiced what they learned on people who came in to have their hair done. While chatting with one lady, Phyllis learned the lady?s son was in the Navy. This caught Phyllis?s interest.

She told her friend, ?I think I?m going to join the Navy.? Phyllis drove her 1949 Plymouth to Wichita.

She feared the Navy would not accept her because she was too short. So she told her friend to distract the person doing the height measurement so Phyllis could raise up a bit to be ?taller.? It worked.

The next hurdle was that the Navy required her parents to give permission for Phyllis to enlist since she was under 21 years old. Unfortunately, Phyllis had not informed her family of her intentions to join up. With great trepidation, Phyllis chose to write her father a letter about her plans.

He showed up at the beauty school, and Phyllis explained why she wanted to be in the Navy. Her dad gave his consent.

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Phyllis joined the Navy in June 1965. Even though her father allowed her to go, Phyllis says he would not go to the bus station to see her off, but her mom and sisters did.

The Navy sent Phyllis to Bainbridge, Maryland for her basic training. She became a yeoman, which means she did administrative work. At that time the only women allowed on ships were nurses.She was assigned to duty in Florida, where she met her first husband. He was in the Navy too. Phyllis got out of the Navy in November of 1967.

Phyllis got divorced in 1988 and moved to Loveland, where she met her husband, Chuck.

Once Phyllis got to Loveland, she hit the ground running. She is, and has been, active in various civic and nonprofit agencies. Not surprising, a few are veteran-oriented. She meets weekly with a group of Marine veterans and with veterans and their wives for coffee occasionally.

Most veterans know Phyllis from PAMVETS (Proud American Military Veterans) which meets at the Golden Corral every Saturday. Before COVID-19, the group had about 130 veterans at each 6 meeting. Phyllis is the greeter for the group.

Phyllis directing the caravan

Phylli's most recent community effort is honoring those that are on the front line dealing with the COVID-19 virus.

She has organized three rallies. The first had a caravan of cars go to McKee Medical

Phyllis has served the community with her 29-year association with Epsilon Sigma Alpha (ESA) chapter of Gamma Chi. This philanthropic women?s group holds events and raises funds for various groups in Loveland.

Phyllis also organizes a veterans?recognition night at Eagles hockey games. She has done this for five years.

When asked to explain why she does all this, Phyllis had a short answer, ?I like to give.?

Other highlights of her life that focus on patriotism include going on the Honor Flight back to Washington, D.C. Phyllis has made the Honor Flight trip as a guardian for other veterans six times. She continues to do other work for the local Honor Flight organization.

Center and a second caravan went to Medical Center of the Rockies. Next a large group of people in cars with flags drove to both post offices in Loveland, the downtown fire station, the police station, and the county building. Lastly, Phyllis gathered people to go to the funeral homes in Loveland to acknowledge their work.

Phyllis served on the veterans?honor guard. This group attends area funerals for fallen veterans.

She has also honored veterans by ringing the honor bell at a funeral at Fort Logan cemetery.

Many times, Phyllis can be seen wearing a Navy sweatshirt. She explains that part of the reason for her patriotism is based on how many military people were treated, especially those returning from Vietnam. Phyllis saw them tripped, spat upon, and/or talked down to. Some five decades later, she makes sure veterans are recognized and respected.

Looking back, Phyllis realizes she has always been patriotic. At Protection High School, Phyllis played the tuba in the band. She loved playing the ?Star-Spangled Banner ?. She recalls having tears in her eyes when she played it. ?I knew from a young age how much I loved my country.?

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Out & About Estes Par k

Est es Par k Senior Cent er

A friendly face waiting to pick up lunch.

Estes Park Senior Center members enjoy each others' company while waiting to pick up lunch.

Cheri, Estes Park Senior Center manager delivering lunches to folks at the "drive through" lunch pick up.

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Loveland resident Nancy Karraker passed out copies of the THRIVE Local magazine at the drive through lunch line.

Br ain Games

June Puzzl e Sol uti ons

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Local Adventures

Ter r y Bison Ranch 51 I-25 Frontage Rd, Cheyenne, WY 82007

Are you ready for a wild adventure, but not wanting to go very far from home? Forty miles from Ft. Collins you can step into the wild, wild west at the Terry Bison Ranch just south of Cheyenne, Wyoming.

Board the train to go out in the field to hand feed the bison.

It truly is a once in a lifetime experience to put a feed pellet on the tongue of a 1,000+ pound animal!

Wander around the barns and check out the livestock and fowl! You'll see animals you don't typically see on a western ranch.

Go to the restaurant and fill your belly with excellent steak and western foods!

Stop at the gift shop take a couple of crazy photos and buy a wonderful western souvenir!

If you are feeling even more adventurous, bring a tent or camper and camp out on the ranch.

Th is is def in it ely a f am ily dest in at ion , so f eel f r ee t o br in g t h e en t ir e gan g. For m or e in f or m at ion ch eck t h em ou t at t er r ybison r an ch .com

Th e w in t er t r ain

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Inside the well equipped ranch store and gift shop is two "life sized animals" perfect for a keepsake photo.

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Ber thoud Business

The View is Beaut if ul...and t he Golf is Gr eat !

by Vir gin ia Hu ppe

I?ve asked people if they have been to the new Tournament Players Club (TPC) Colorado golf course. It seems to be a secret, but readers, you are missing out if you haven?t been there. It?s a tremendous asset to the entire Rocky Mountain area and, for most of us, it?s located right in our backyards just north west of Berthoud.

square foot ballroom. The facility is ?one of a kind? in this area.

General Manager, John Buser, oversees all operations at the Tournament Players Club and he is supported by seven talented department heads.

There are several membership choices, and at times there are openings for non-members to play. To check availability for a tee time call 970-663-5063.

The course is owned by Heron Lakes, LLC which is comprised of three principals: Jon Turner, Chris Frye, and Jim Birdsall. They began the conceptual design which became the 32nd TPC golf course.

The golf course construction cost $10 million dollars. Future plans include a hotel, a 40-person bar, two restaurants, and a 500

The clubhouse currently has a small dining area. In the summer, you and your friends can eat on the outdoor patio while looking at our beautiful Rocky Mountains.

Be sure to check out the golf shop while you?re there. It is currently open and showcases women?s and men?s golf apparel, equipment, and accessories.

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For more information on the TPC Colorado Golf Course: tpc.com/colorado

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Out & About Lovel and

Shear Fun!

by Dan it a Nixon

It takes a village to shear 28 Merino sheep. This city slicker was honored to be asked to come out to help with the process after being stuck indoors for fifty-seven days. I called my faithful sidekick, Nancy Karraker and we headed out to the ranch for some good old fashioned fun.

The fun begins with herding the sheep into the barn. Have you ever wondered how many people it takes to herd 16 ewes into a holding pen. Well, it takes seven people, and one brawny young man who physically "helped" (i.e., picked up) each ewe to get them rounded up and ready. Yikes, this is work!

Next comes the masterful shearer; he is certainly skilled at his trade. He takes about 10 minutes to shear each sheep.

Singlehandedly, he maneuvers the sheep and shears them. It is really impressive. It is wonderful to see the real color of the wool as it is revealed in the process. Beige sheep...white wool.

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Freshly sheared ewes with Joan

A couple of rams prior to be sheared

Herding the rams into the barn proved to be easier than herding the ewes in. Except one stubborn ram (right photo) who resisted entering into the barn.

Above: The crew waiting for the rams to be herded into the barn Below: Some of Joan's friends and neighbors who came to help

A face only a mother could love? We think not! Who do you know that would like to add beautiful Merino sheep to their family?

Joan Murphy (seen in the photo to the left - front right) has been ranching for 7.5 years. She is ready to retire and to find new homes for her registered Merino sheep. If you are interested, please text her at: 970- 232-8394 or email her at: maykduranch@gmail.com 15 THRIVELocalmagazine.com July 2020

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Ft Col l ins Resident

Roy Lilley - An Uncommon Man

by Ph yllis Ken n em er

Roy Lilley celebrated his 90th birthday in May and he is still going strong. Born in 1930 at Table Mountain Ranch in Virginia Dale, Colorado, Roy has been in the cattle business all his life, but he is not a typical cowboy.

After retiring, Roy served for four years on the Executive Board of the White Upper Niabra River Natural Resources District where he helped to manage water resources for the state.

Roy has continued to be active by volunteering. He has been a member on the Larimer County Advisory Council on Aging for six years. The board provides funds for senior centers and other nonprofit organizations. Roy is an active participant in board and committee work and does onsite visits.

After graduating from LaPorte High School, Roy attended Colorado A & M in Fort Collins. He began competing in rodeos while in college and continued as a professional rough stock rider for four more years. He won the saddle bronc riding competition at the Larimer County Fair Rodeo in 1952.

Roy then began his lifetime career of working in national and state cattlemen's associations. He had been an executive with the Nebraska Cattlemen's Association for 17 years when he retired in 1996.

Roy is married to Donice; they have been together for 23 years and are presently living in Sunflower Village in Fort Collins.

Roy W. Lilley - X Bronc Rider (thus, the walker)

At age 85, Roy decided to write his autobiography. He worked on it for three years. You can find his book Just As I Am: The Saga of Roy is available on Amazon.

His book can be purchased on Amazon, or Roy can be contacted directly at tripa123@gmail.com.

Colorado State University Equine Studies Department elected Roy to their Rodeo Club Wall of Fame. His extended family of about 30 people attended the banquet to honor him.

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Heal thy Living

Man on t he Moon

by Jolie Dek leva

Does getting healthy, losing weight, or getting off your medications seem an impossible dream?

Last month I wrote about the importance of having a strong ?why?for making behavior changes. With a strong why, you?re unstoppable, driven, and determined to getting well and staying well for yourself and your family.

You have a strong why, what now? Like a heavy backpack pulling down, our unhelpful ideas make moving forward feel impossible. In order to progress with your goal of getting healthy, you need to release two important past ideas. First, that dieting is necessary and useful. Second, that making lasting healthy changes must be painful to be meaningful.

Dieting doesn?t work. Ninety-five percent of dieters don't reach their goal. The temporary weight loss/gain cycle makes us fatter in the long run. The 70 billion dollar dieting industry profits when you don?t succeed. It?s time to embrace the idea of lifestyle change. It?s time to embrace a new identity of being healthy, then adjust your life accordingly. It is helpful to make a list of all the things you know healthy people do. For example, move around a lot throughout the day, take a multivitamin, floss teeth, go to bed at a regular hour, eat minimal sugar.

Tackle one item at a time until it becomes a new habit. Once the first habit is ingrained tackle the next item on your list. Practice consistency and growth, not dieting.

You?re likely interested in making some changes in your health. You?ve counted the cost of not moving forward and the cost is too great. Your ?why?is strong. These old unhelpful ideas of dieting and suffering can be removed off your back. Your mission is not an impossible one.

Moving forward with our health goals can feel as far fetched as reaching the moon. You know how that story turned out. You too can reach your sky high dream and make lasting meaningful health changes.

Ready to make small important healthy changes over time to make a big impact on your health? Follow Health Educator and Coach, Jolie Dekleva, Masters in Public Health, on facebook/Instagram Living Well Intentionally, website www.livingwellintentionally.com to subscribe to her emails Living Well with Jolie.

You don?t have to suffer to make lasting health changes. While some changes will require disciplined effort, when you make the mental shift that moving forward in your health is self care and not punishment, you?ll embrace the growth and begin to experience positive health outcomes while feeling great about yourself. Eating a rainbow of fruits and vegetable, stretching before bed, and learning deep breathing techniques are examples of nurturing yourself.

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Celebrating

Johnstow n Resident

A Man About Tow n

By Bob M cDon n ell

Eddie Reichert wasn?t born in Johnstown, but he has been in the community the majority of his life.

The Reichert family farmed in Milliken at the time of his birth. The family moved to Johnstown in 1941. Eddie graduated from Johnstown High School (not Roosevelt at the time, he says) in 1948, along with about three dozen others, as he remembers it. When asked if many of his classmates were still around, the almost ninety-year-old say, ?Yes, in cemeteries.?

Eddie was drafted into the Army in January of 1951. After basic training at Fort Knox, KY., he said he went ?straight to Korea.? He was assigned to a communications unit near the 38th parallel. Eddie remembers he was paid $70 per month, with an additional $8 for combat pay.

Arriving back in the United States, Eddie says he was sent to Fort Carson in Colorado Springs. A bus ride from there left him in Berthoud at about 10 p.m., where he was on his own to get back home.

Eddie in front of his home

man replied that his clothing store was for sale.

The store was called Lowe?s Clothing at the time.

Eddie met up with a woman he had done odd jobs for before entering the Army. She asked him to farm for her, which led to a long career for Eddie.

He had no idea at the time, he would be farming for 37 years.

Eddie looked at the store, which carried mostly men?s clothing. Eddie and the man struck a deal, and Eddie was off on a new venture. He then had a nice place for his family to work. He called the store Johnstown Clothing and Embroidery. It?s located at 18 South Parish Street.

Over the years, Eddie got married, raised a family and settled in to an agricultural lifestyle. He raised Holstein heifers, bulls, grew sugar beets for a while, had about 100 acres of green bean raised for Kuner-Epsom, grew silage and did custom combining among other things.

Eddie got into the clothing business with no experience but a load of confidence. His philosophy is, ?If you aren?t scared of anything, what?s there to be afraid of??

His daughters picked green beans, drove the tractor and helped out in general on the farm. The girls came to Eddie and shared with their dad that they didn?t like smelling like calves when they went to school. This got Eddie thinking about a career change.

Shortly after, Eddie was having lunch at a Johnstown cafĂŠ. He sat next to a guy from the local clothing store. Eddie was struck by the fact that the man had on nice clothes and a white shirt. The man let Eddie sit by him but warned Eddie not to get him dirty. Eddie replied, ?I?d like to have a job like yours.? Call it fate, karma or whatever, but the 18 THRIVELocal.com July J 2020 18 19THRIVELocalmagazine.com THRIVELoveland.com Jan 2020 anuary 2020

The store changed and expanded its' inventory under Eddie?s leadership. He sold irrigation boots, gloves, Levi?s, Tony Lama boots, etc. Over the years, the astute businessman struck deals including some where he bought out the inventory of stores going out of business that sold items similar to his.

Through raising heifers, Eddie had customers all over the world. Some of them in Australia would contact Eddie to buy their work boots. He shipped to other customers in that country too.

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the money. Lastly, open all the mail yourself. Eddie lived by these guidelines every day he was in business. ?You?re actually in control of everything if you do that,? he said.

Eddie looks forward to July 2020. He says July is a key month for him. For one thing, he will turn 90 on the 26th of the month. July will also mark the 50th anniversary of Johnstown Clothing and Embroidery. It?s been quite a run for Eddie Reichert.

Happy Bir t hday Eddie!

You make 90 look Amazing!!

Eddie at Johnstown Clothing & Embroidery

Additionally, Eddie bid for and got a contract to sell the local high school their band uniforms. He worked a similar deal with the basketball team for shoes. Today, the store sells Roosevelt High School letter jackets and other school related items.

Congr at ulat ions Johnst ow n Clot hing & Embr oider y for 50 year s in business!

18 S Parish Ave, Johnstown, CO (970) 587-4502 johnstownclothing.com

In 2018, Eddie decided to sell his store. He asked those working for him, if anyone was interested in buying the store. One who had worked for Eddie the entire time said she was ready to retire. The others gave the same answer.

Eddie looked for an outside buyer for the store.

Someone who had an embroidery machine inquired about the business. A deal was struck and Eddie sold the business with all its inventory. ?I didn?t even keep a pencil,? Eddie joked.

Eddie had been active in the store and the business every day it was open. He willingly passes on advice he was given on how to succeed in business. First, always answer the telephone when it rings. Next, sign all the checks to keep control of

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Travel Tales

Amt r ak Vacat ions

by Cr yst al Joh n son

What is more exciting than planning a vacation? Taking one!

I recently traveled by Amtrak from Denver to Vancouver, Washington. The scenery and beauty of places that can not otherwise be seen by car are stunning. With train cars that offer 360 degree panoramic views and private sleeping quarters, there is no better way to travel.

The journey started early in the morning from Denver ?s Union Station. With our masks on, we boarded the train, we were escorted to our sleeping quarters. Once the train pulled out of the station, the attendant came by to explain the location of amenities, and most importantly where to find the coffee.

Breakfast was served shortly thereafter, as we ventured up into the mountains!

There is a full dining car and lounge car. Currently Amtrak is working on limited menus. There are prepared meals for lunch and dinner with five options to choose from, including a vegetarian/vegan option. Once you make your selection an attendant will bring you your meal with salad, dinner roll and dessert. You can choose to dine in your room or the dining car.

In the lounge car they serve a variety of alcoholic and non-alcoholic beverages, along with a variety of snacks.

Once up into the mountains, the train goes through Glenwood Springs and follows the Colorado River to Grand Junction. This route offers great views and the possibility of seeing wildlife. It take most of the day to travel through the Rockies.

Day Two: We wake up as we are traveling through Utah. The room attendant brings breakfast and coffee in the privacy of our room as we watch Utah's unique landscape go by.

Later in the day we arrive in Sacramento, the capital of California. Just outside of the train station is Old Town. In Old Town there are wooden boardwalks, shops, restaurants, museums, and a walkway along the river. There is time for one to 20take an expedition cruise. There is also time to see 20 THRIVELocal.com July J 2020 20 21THRIVELocalmagazine.com THRIVELoveland.com Jan 2020 anuary 2020

the old steam engine train and learn the history of how train travel developed.

If you are thinking about taking a trip in the United States this year, we highly recommend exploring the option of traveling by train. It will be one of your most memorable vacations!

We board the train at midnight and head north towards our destination, Vancouver. We are ready to get some rest. We are happy to find the room attendant has already prepared our bed.

YOU DREAM IT! WE'LL PLAN IT! GO ENJOY IT!

In the morning we are in the mountains of Northern California. This time we grabbed our camera and have breakfast in the viewing car.

Here we enjoy the 360 degree view of the scenery which included thick moss that covered whole trees, the breathtaking lakes and canyons.

To plan you r n ext t r avel adven t u r e con t act Cr yst al at 970-578-9779

After a relaxing day enjoying the views we arrived at our final destination, Vancouver, WA. We are so thrilled that we were able to make this trip. We saw a vast amount of the United States from the comfort of our own space in the train.

"Twenty years from now you will be more disappointed by the things you didn't do than by the ones you did

Many destinations in the United States are accessible by train. They are very unique journeys compared to other forms of travel. Trains in the United States are ADA compliant.

do!"

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Legal View s

Applying for PPP Loan For giveness The Paycheck Protection Program (PPP) is a federal program to provide loans to small businesses struggling due to the impact of Covid-19. These loans can in turn be forgiven provided the business has complied with various regulations.

The time to apply for loan forgiveness is approaching, and thus it is a good time to get your application in order.

could be used on other business expenses, such as rent and utility payments. Other criteria included, requiring the funds to be spent within eight weeks or rehiring any employees or an equivalent number of employees by June 30, 2020 to equal staffing levels prior to the Covid-19 outbreak.

These requirements were stringent and fairly narrow. However, on June 3, 2020, Congress passed legislation relaxing and broadening the requirements that businesses need to meet in order to qualify for loan forgiveness. The changes include: reducing the funds that need to be spent on payroll to 60%, extending the window to spend the loan funds to twenty-four weeks, and extending the rehiring deadline until December 31, 2020.

The initial legislation that created the PPP, the Coronavirus Aid, Relief, and Economic Security Act (CARES Act) established the criteria for loan forgiveness. At least 75% of the funds provided to a given business needed to be used on payroll costs, meaning that no more than 25% of the loans

While the requirements may be loosened, it is just as important to make sure your business complies with all federal requirements. Small businesses will need to apply for PPP loan forgiveness through their banks, just like they applied to receive the PPP loans. The application will involve completing the SBA Form 3508. Each bank may use a different application procedure, so stay up to date on how to properly file your application. Additionally, more legislation may further amend the PPP, so keep yourself informed to ensure your PPP loan is forgiven.

If you ar e a sm all bu sin ess ow n er an d n eed assist an ce du r in g t h is t im e, please con t act on e of ou r qu alif ied at t or n eys t oday.

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