THRIVE Loveland Magazine (March 2019)

March 2019

Photo by: Elizabeth Jane Photogr aphy, LLC

Upcoming Events

M on . 3/ 4

THRIVE Fr ee M on t h ly Pizza Din n er f or Older Adu lt s (50+) 4:00 pm -5:30 pm 325 E 5th St, 1st floor Community Room (Use residence entrance), Loveland Topic: Explor in g Sen ior Livin g Opt ion s Space is limited, please RSVP at 720-252-6880

Tu es. 3/ 5

Lovelan d?s Talk in g - Past , Pr esen t , Fu t u r e 1:30 pm -3:00 pm Chilson Center, 700 E 4th St, Oak Room, Loveland Topic: " Oh t h e places you 've been !"

Light refreshments will be served. Please RSVP at: 720-252-6880

Tu es. 3/ 12

TLC - Th e Lovelan d Con n ect ion 9:00 am -10:30 am All Saints Episcopal Church, 3448 N Taft Ave, Loveland Topic: Hist or y of t h e Rialt o Th eat er

Weds. 3/ 20

Savvy Sen ior s - 2:00 pm -3:00 pm Perkins, 2222 W Eisenhower Blvd, Loveland Topic: Real Est at e M ar k et Pr oject ion s Space is limited, please RSVP at 720-252-6880

M on . 4/ 1

THRIVE Fr ee M on t h ly Pizza Din n er f or Older Adu lt s (50+) 4:00 pm -5:30 pm 325 E 5th St, 1st floor Community Room (Use residence entrance), Loveland Topic: Opt ion s f or In -Hom e car e Space is limited, please RSVP at 720-252-6880

Tu es. 4/ 2

Lovelan d?s Talk in g - Past , Pr esen t , Fu t u r e 1:30 pm -3:00 pm Chilson Center, 700 E 4th St, Oak Room, Loveland Topic: What Do You Enjoy Doing Now? Light refreshments will be served. Please RSVP at: 720-252-6880

Tu es. 4/ 9

TLC - Th e Lovelan d Con n ect ion 9:00 am -10:30 am All Saints Episcopal Church, 3448 N Taft Ave, Loveland Topic: To be an n ou n ced.

Weds. 4/ 17

Savvy Sen ior s - 2:00 pm -3:00 pm Perkins, 2222 W Eisenhower Blvd, Loveland Topic: Spot t h e Scam Space is limited, please RSVP at 720-252-6880

Week ly Event s Ever y Th u r sday - 7:00 p.m . Bin go at t h e Associat ed Vet er an s of Lovelan d, 305 Cleveland Ave, Doors open at 6 pm. Open to the public

Ever y Sat u r day - 7:30 a.m . PAM VET (Pr ou d Am er ican ) Br eak f ast at the Golden Corral, 1360 Sculptor Dr. Cost for Breakfast is $9.04 (plus tip). All Veterans welcome.

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In This Issue.....

Impor tant Phone Number s4.

M on ey M at t er s.....................17

Bus Schedule Chilson Rec Center (main) Chilson Senior Center Crime Report Submission Drivers License Emergency Fire and Rescue (non-emergency) Golf Tee Times Library

970-962-2700 970-962-2386 970-962-2783 970-962-2151 970-667-7247 911 970-962-2537 970-669-5800 970-962-2665

Ou t & Abou t ..........................10

Loveland Water and Power

Residen t Spot ligh t .................8

Meals on Wheels Para-transit System Rialto Theater Sheriff (non-emergency) Utility Bill Payments Vehicle Licensing VOA Lunch Program

970-962-2111 970-667-0311 970-962-2700 970-962-2120 970-416-5108 970-962-2111 970-619-4521 970-472-9630

Ber t h ou d Spot ligh t ..............14 Even t s......................................2 In dex of Spon sor s...................5 Legal View s............................13 Local Ar t ist ............................12 Local Bu sin ess........................6

Rest au r an t Review...............16 Sen ior Livin g...........................4 Spon sor Spot ligh t .................11 Tr avel Tales...........................15 Vet er an Spot ligh t .................18

Publishers Mark & Danit a Nixon at t he 2018 Alzheimers' w alk w it h Slacolo Communit y Liaison Faye Kirk Cont act us w it h your ideas, feedback or cont ribut ions at 970-852-4900 Danit a@Thriveloveland.com Š 2019 THRIVE Loveland, 1635 Foxtrail Ct., 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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Senior Living

"Car egiver " "One that gives physical or emotional care and support."

A majority of individuals who are caring for an older adult do NOT identify themselves as caregivers. They simply see themselves as fulfilling their role as a friend, neighbor, child, spouse, sibling, relative, or in-law.

The challenge with this mindset is, that those who are supporting others (caregiving), need to make sure that they are taking care of themselves as well. Being a caregiver can seriously affect ones?health, emotional well-being, and overall quality of life.

When you look at the statistics it is easy to see why ?caregiver burnout? is a common occurrence.

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70% of caregivers are providing 24/7 care.

67% of caregivers are caring for those with dementia.

48% have been caretaking for 5+ years.

42% of caregivers are 70 years or older.

Many caregivers fall into multiple categories listed above, increasing the stress on the caregiver.

life, we encourage you to reach out for support. You truly do not have to go through this journey alone.

There are several agencies in the Larimier County area that provide support for caregivers. We welcome you to give us a call so we can assist you in getting plugged in!

For m or e in f or m at ion on su ppor t f or car egiver s or Sen ior Livin g Opt ion s, con t act Dan it a (Sen ior Livin g Advisor s of Color ado) at 970-541-4592 or em ail Dan it a@SLAColo.com

Car egivin g of t en calls u s t o lean in t o love w e didn't k n ow

The good news is, that there is support available. If you are giving physical or emotional support to an older adult in your

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possible.

Index of Sponsor s Our Sponsors make it possible to provide this monthly publication to the community. 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 Loveland magazine!

At t or ney

Phot ogr apher

Jorgensen, Brownell & Pepin, P.C. 800-598-4348 JBPLegal.com

Elizabeth Jane Photography, LLC Elizabeth Fehringer, 720-250-6067 ElizabethJanePhotography.com

Financial Advisor

Real Est at e

Edward Jones, Art Aldrich 970-663-0554 EdwardJones.com

Re/Max Alliance Eve McCormack, 970-430-0722 EveMccormack.HomesInColorado.com

Fr anchise Consult ant

Senior Living Advisor s

Cindy Rayfield, Frannet Mountain West 720-261-4391 Crayfield@FranNet.com

Senior Living Advisors of Colorado Danita Nixon, 970-541-4592 SLAColo.com

Hear ing Aid Bat t er ies Hearo Club 833-547-8362 HearoClub.com

In Home Car e Medical & Non-Medical Phoenix Home Care 970-667-2273 PhoenixHomeHC.com I nsur ance -

Aut o, Home, Medical & Busi ness Secure American Insurance 970-663-9791 SecureAmericanIns.com

Loveland Senior Magazine THRIVE Loveland 970-852-4900 ThriveLoveland.com

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Local Business

Hear t Scar s 6, LLC M ar y Scot t , M SW, Healt h & Welln ess Coach

Tell u s abou t t h e w or k t h at you do. " I provide strategic coaching sessions and discounted coaching packages designed to address the unique needs and goals of individuals managing circumstantial and age-related symptoms of loss, grief, trauma, and challenges related to sense-of-self/esteem, identity, life purpose, and relationships with others.

I also offer educational groups (like Veteran and family groups, and 50+ social connection groups like CircleTalk? for Seniors), and overnight retreats which provide a more in-depth experience for all involved as participants share helpful insights and information with each other.

Right now I?m working more often with Military Service Members, Veterans, first-responders, and maturing adults managing losses of loved ones, losses of former careers or homes, and often a perceived loss of purpose, joy, and meaning in their lives.

I?ve found that all these folks? no matter their age? have one very important thing in common: they?ve been confronted by their own mortality, or that of those close to them, and are trying to find peace with that most difficult part of our human experience."

Who should contact you?

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Military Active Duty Personnel and Military Service Veterans Family members and other loved ones of Veterans and First Responders Senior living facilities Legal teams managing clients who have experienced loss, traumatic events and/or traumatic relationship challenges Other mental health and wellness organizations Corporations who employ large numbers of Veterans and first-responders

For m or e in f or m at ion abou t M ar y Scot t & Hear t Scar s 6 con t act h er at 970-449-3665 or M ar yScot t Ret r eat s@gm ail.com

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Loca l Rea l Est a t Daughter Gabby and Haiko

Haiko Eichler By: Emma Liakas and Christina Lucas

Haiko Eichler was born in Berlin, Germany during World War II. He was a squad leader and participated in track and field, gymnastics and swimming from a young age. Once he immigrated to the US with his wife, he opened a photo shop that specialized in wedding and portrait photography. His current family consists of a daughter, a son, three grandsons and one granddaughter.

Haiko has been motivated and success-driven since a young age. His commitment can be seen in his determination to stay fit. At age 80, he competed at the Senior Olympics in which he medaled in javelin, shot put and discus. Due to his success, he was invited to Nationals in Alabama, where he earned a bronze medal. He competed in the Senior Olympics again in 2018 and won gold in discus, silver in javelin and another silver in shot put. Once again, he competed in Nationals in Albuquerque. This time, however, he did not travel alone. Eichler was proud that his daughter Gabby also qualified for nationals in swim. He hopes that it will become a family tradition.

When Haiko is not competing, he enjoys being with family and flying his airplane. He also teaches a ?responsible gambling class? with around 18 regular students every Wednesday. He has become close friends with all of his students and enjoys his time with them. He plans to continue doing photography and staying fit. His doctor has told him that he has the physical constitution of a 64-year old. In his coming years, Haiko wants to be a good role model and stay fit, which he?ll probably have no trouble doing!

Wh at do you h ope t o accom plish in t h e f u t u r e?

"I have been blessed with good health and physical fitness and am in the process of figuring out how to help other seniors my age, less fortunate, to enhance the autumn and winter of their lives."

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Photos by Elizabeth Jane Photography, LLC, Taken at Arena Sports Complex, 7850 S Co Rd 5, Windsor, CO

Wh at ar e you r f avor it e places t o eat ?

Haik o, Wh at br ou gh t you t o Lovelan d?

"I lived and had my businesses in the Berthoud area for the past 40 plus years and was very familiar with Loveland. After retiring, my wife and I decided Loveland was a nice place to "downsize" to. Unfortunately, my wife passed away about a year ago."

"For good family dining at a reasonable price, El Cielo at Eisenhower and Wilson. Henry's in Downtown is one of my favorites. For upscale dining I have enjoyed the Chimney Park in Windsor."

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Out & About THRIVE Loveland Mont hly Pizza Dinner

By Dan it a Nixon We had a full house for our February Pizza Dinner. We have officially been holding these fun and informative gatherings for one year now! We are extremely grateful for the Loveland seasoned adults who have shown up to support us and to get to know others in the community!

Our next dinner will be held on Monday, March 4th from 4:00pm-5:30pm at 325 E 5th st.

The topic will be: Senior Living Options.

Please RSVP at 970-541-4592 or Danita@slacolo.com Happy Bingo Winners!

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Th an k you t o ou r Spon sor s : Kim Caldw ell Ph oen ix Hom e Healt h Sen ior Livin g Advisor s of Colo.

THRIVE Lovelan d M agazin e

Secur e Amer ican Insur ance

Sponsor Spotl ight

Lori Lantis, Rachel Rogers, Lisa Weeks, Kiley Martinko, Lance Leivestad

Introducing Secure American Insurance, your local Loveland insurance brokers!

Our insurance office is a little different than most insurance agencies. We run the business on a more personal level and develop one-on-one relationships with each of our clients. With this platform, we take care of our clients?overall insurance needs. We treat clients as family, and isn?t that what it is all about?

Our premise is a small-town mentality where a hand shake means something. There was a time when bankers, insurance agents and lawyers were thought of as trusted and respected people in the community. Now, it seems people feel like that trust is harder to find. Our goal is to build that small-town feeling of trust with you and to help you feel at home with us. We are committed to serving the needs of each client as well as the needs of our community. Secure American Insurance is very active with The Loveland Chamber of Commerce and local charitable organizations.

We love being able to contribute to the community and to give back wherever possible.

we find the right insurance coverage to match your unique situation. As insurance brokers, we are able to shop many options and many companies for you. Please allow us to save you many hours of researching and comparing.

We?ll shop for you and simplify finding the best insurance to meet your needs.

Come be a part of our family! We will leave the coffee on! God Bless, Lance Leivestad, Rachel Rogers, Kiley Martinko, Lisa Weeks, Lori Lantis

We are a local small-town insurance agency that values every person we work with. Treating our clients like family sets a very high bar to make sure you have the best customer service available. The types of insurance services we provide are Medicare, Life, Annuities, Long-Term Care, Health, Home, Auto and Commercial. As we learn more about you, we provide a full, in-depth, all-encompassing review of all your insurance needs. This ensures

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Local Artists

Director Wayne Graham

LOVELAND RHYTHM SINGERS By: Dan it a Nixon

The Loveland Rhythm Singers are making "toes tap" at senior communities in Loveland thirty-six weeks a year. This dynamic group of singers perform music from the 20's, 30's, and 40's; music that they affectionately call, "oldies and goodies".

The director, 89 year old Wayne Graham, has been directing the group for the past twenty years. The group practices on the last Tuesday of every month at the Chilson Center at 2:00pm, and performs every Tuesday from 2:00pm-3:00pm at different senior communities around Loveland.

The Rhythm Singers are looking to add new singers to the group. The only requirement to join is a love for music and singing. Reading music is not a requirement, and there is no age requirement either.

For more information about this fantastic group, contact Wayne at 970-667-4018.

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Planning for t he Fut ur e: Your Ret ir ement Pat h As we get older, concepts like retirement accounts, pensions, and annuities become less abstract and more concrete. People going through a divorce later in life need to understand their retirement plans and options.

There are three general types of retirement income: Social Security, Pension Plans, and Defined Contribution Plans. Most adults have been contributing to Social Security since their first employment. Homemakers may have no social security benefits, and some people such as teachers or federal government employees may have PERA or a government pension instead of social security. These plans work like an employer pension plan were once you retire a set amount is paid to the retiree every month for the rest of their life. The pension payment is determined by the payor based on their own calculations such as term of employment, and last earned income, and not based on the stock market or earnings of the money paid into the plan. Pension plans through employers, PERA, and government retirement have the ability to leave benefits to another party once you die.

These survivor benefits may only be left to a spouse or an ex-spouse and must be chosen prior to retirement benefits beginning.

Legal View s Legal View s

When a person retires, they can choose to draw money from their 401k/IRA, or can defer those withdrawals. However, at age 70 ½, the government requires minimum withdrawals from these retirement accounts. These plans do have a benefit in that if the person dies, the account can be inherited by a spouse or children, or other chosen beneficiary.

If you are getting divorced and are concerned about the division of retirement accounts, our Family Law Attorneys are available to assist you.

There are many types of retirement accounts but the two most people have heard of are 401(k) plans and IRAs. The main difference between the two is that a 401(k) is offered only through an employer, whereas IRAs are for people who don?t have the option of an employer offered 401(k). The IRS sets contribution limits for IRAs whereas employers set contribution limits for 401(k)s.

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Berthoud Spotlight The "MVP" of t he Ber t houd Senior Cent er By: Dan it a Nixon

Elnora McCloughan is a MVP in her own right.

This proud mother of three boys and seven grand-children has been selflessly serving the community for thirty-two years.

Elnora was raised in Broken Bow, Nebraska. In 1972 she was living in California with her pro-football husband Kent McCloughan. Kent was ready to retire so Elnora took a trip to Loveland where her aunt and uncle lived. She found an apartment complex to invest in, and recruited her husband to make the move.

After retiring, Kent continued to work for the Oakland Raiders in their personnel

Elnora and Kent McCloughan

department and was on the road quite a bit.

In 1986, the kids were grown and her husband was engaged in his second career, so Elnora applied for a part-time job with the city of Berthoud to be the on site manager for the Senior Center. Elnora put on her resume that she could write grants and was good at fund-raising, so they hired her for the job.

Since 1986, Elnora started several successful community programs and was pivotal in raising $250,000 to fund the finishing and the furnishing of the new Community Center. Elnora has truly been the MVP of the senior center, putting on a monthly birthday lunch for seniors of the Berthoud communit. She prepares the meal herself with the assistance of senior volunteers.

Elnora explains the secret to her success is that she likes a challenge and has been pretty successful in all that she has done.

Elnora has accomplished many things in her lifetime, and she feels her greatest accomplishment is, ?raising three very successful boys?.

The city of Berthoud is truly fortunate to have Elnora on their team!

Th an k you Eln or a f or all you 've don e an d con t in u e t o do f or t h e com m u n it y!

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The Allur e of Cr uising

Tr avel Tal es By: St elle Bar n et t

How is it possible, in one day, to leisurely visit Central Park, a Coney Island style boardwalk and tour seven unique urban communities? Royal Caribbean?s Allure of the Seas has it all . . . and then some.

Clim bin g Wall

In 2015, my husband, Fred, and I were fortunate, to spend 12 days on what was, at that time, the largest cruise ship in the world. We boarded the ship in Barcelona and sailed to Ft. Lauderdale, Florida. We were two of 5600 passengers and 2400 crew members. Astonishingly, the ship rarely felt crowded.

So, where was everyone?

Perhaps playing nine-hole miniature golf, ascending a 43-foot rock climbing wall, surfing the wave pool, hurtling down an 82-foot zipline, working off the buffets at the fitness center, betting at the casino, attending lectures and enrichment classes, and so much more.

Leaving New York

Cen t r al Par k

In t er ior of Sh ip

After all that effort, relaxation was on the dessert menu. Options include sunning in the 16th deck solarium, back-stroking in any of eleven pools, receiving a massage at the spa, indulging in 40-odd bars and restaurants, or being entertained in the 1300 seat theater. Boredom was evidently not on the itinerary. A centerpiece of the ship is The Rising Tide Bar, which travels between decks. Glance to your left and you are in a re-creation of New York?s Central Park, a floating park with 12,000 plants and chirping birds. Peer again and you are on a boardwalk, complete with a full-sized carousel, hot dog stands, shops and restaurants. No, you haven?t had too much to drink, you have just ascended to another deck.

Our transition from landlubbers to nightclubbers was quite an experience. The Allure , this city at sea, lived up to its name, promising enchantment, enticement and mystique, and we were seduced by her appeal.

Su bm it you r Tr avel Tale t o Dan it a@Th r ivelovelan d.com

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Restaur ant Review

Cheese Curds & Pecan Gorgonzola Salad with Steak

HENRY'S PUB 234 E 4TH ST, LOVELAND

Henry's is one of my favorite downtown restaurants! My standing order is the cheese curds and Pecan Gorgonzola Salad..both are to die for!" - D.Nixon

By Dan it a Nixon

The Loveland Connection held their monthly lunch out at Henry's Pub in downtown Loveland. Henry's is always packed with patrons and consistently serves amazing food.

One of our fellow diners had never visited Henry's because she thought it was an "upscale restaurant". She was pleasantly surprised when she saw the menu, and even more pleased with the food she ordered.

The restaurant gets high scores for atmosphere and food! If you've never been to Henry's we highly recommend you give the restaurant a try!

Delicious Rubin Sandwich

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Money Matter s Wher e You Live As Ret ir ee Can Af fect Financial St r at egies Upon retiring, many people relocate to enjoy a more favorable climate, or to be closer to grown children, or to live in an area they?ve visited and enjoyed. If you, too, are thinking of moving someday, you?ll want to study possible locations, but you also need to be aware that where you eventually decide to live can greatly affect your savings and investment strategies ? both now and during your retirement. Here are some relocation costs to consider: - Hou sin g ? Not surprisingly, the larger the city, the more expensive the housing is likely to be.

Also, locations near an ocean or the mountains tend to be more costly. But the type of housing you select ? house, apartment or condominium ? also can affect your financial picture in terms of initial expense, maintenance and possible tax benefits. Plus, you can now find newer types of arrangements, such as senior cooperative housing, in which you own a share of the community and have a voice in how it?s run.

- Healt h car e ? If you are 65 or older when you retire, you?ll have Medicare to cover some of your health care costs, though you?ll still likely need to purchase some type of supplemental coverage.

However, out-of-pocket health care expenses may vary in different parts of the country, so this is something else you?ll want to check out before relocating. Of course, the availability of good medical facilities may be just as important to you as health care costs.

- Taxes ? You may hear about people moving to a different state to lower their tax burden during retirement. A few states don?t have personal state income taxes, and many others offer favorable tax breaks on retirement income, so, if taxes are a

major concern, you?ll want to research the tax situation of prospective retirement locations.

You may also want to consult with your tax advisor.

These aren?t all the areas you will need to consider when estimating your total cost of living in a retirement destination, but they should give you a good idea of what you can expect. And your choice of where to live as a retiree can affect your financial strategy in at least two ways: how you invest today and how much you can withdraw from your retirement accounts when you?re retired.

Regarding how you invest today, you should evaluate whether your current investment strategy is likely to produce the resources needed to support you adequately in the retirement location you?ve chosen. So, for example, if you think you?re going to live in a fairly expensive place, you may need to reduce your expenses, delay retirement or work part time. Your choice of a retirement destination also may affect how much money you withdraw each year from your 401(k) and IRA. When choosing an appropriate withdrawal rate, you?ll need to consider other variables ? your age, the amount of money in your retirement accounts, other available assets, etc. ? but your cost of living will be a key factor. A financial professional can help you determine the withdrawal rate that?s right for you. When you retire, it can be a great feeling to live where you want, but you?ll enjoy it more if you?re fully aware of the costs involved ? and the financial steps you?ll need to take.

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. Edward Jones, its employees and financial advisors cannot provide tax advice.

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Vet er an Spot light

Pr oud Amer ican Vet er an Br eak fast

Vet er ans Honor ing Vet er ans

Did you serve in the U.S. Military? Would you enjoy meeting up with fellow veterans for camaraderie and a great breakfast? You are invited to join the Proud American Veterans (PAMVETs) as they gather every Saturday for breakfast at 0730 at the Golden Corral, 1360 Sculptor Drive, in Loveland. Cost for Breakfast is $9.04 (plus tip). We hope to see you there!

Veterans Honoring Veterans Honored World War II veterans Sadie Johnson and Jeanette Zajac (bottom row center) at the February 2nd PAMVET breakfast in Loveland. Also shown in this photo are female veterans that were in attendance.

Milit ar y Humor A man was conducting an All Service member briefing one day, and he posed the question: ?Wh at w ou ld you do if you f ou n d a scor pion in you r t en t ??

A Sailor said, ?I?d step on it.?

A Soldier said, ?I?d hit it with my boot.?

A Marine said, ?I?d catch it, break the stinger off, and eat it.?

An Airman said, ?I?d call room service and find out why there?s a damn tent in my room.?

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Publisher Danita Nixon (U.S. Navy) bumped into Bonnie & Norm Coleman (U.S. Navy) at the Feb. PAMVETS breakfast.

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