Denture Clinic on Page 8
Total Page:16
File Type:pdf, Size:1020Kb
Senior Beacon Eldest & Locally-Owned Senior Newspaper in Southern Colorado SB AUGUST 2019 Vol. 38:7 Established February 1982 451 Consecutive Months! Committed To Southern Colorado Seniors For 38 Years And Counting!! QUESTIONS to ask your Are memory issues doctor a concern? IF YOU OR a loved one have concerns about memory loss or other unexplained changes in behavior, getting an expert opinion from your family doctor is an important first step in understanding how to proceed. Medicare offers a free annual related to Alzheimer’s or dementia? wellness visit for those 65 and older Should I be concerned about … where patients can request a brain (explain any changes in memory, health assessment. But if you don’t see focus, thinking or mood)? your family physician frequently, he “This is a good starting point for or she may not know you well enough having a productive conversation to determine if you are experiencing with your family doctor,” said Danelle cognitive changes. Hubbard, director of Health Systems To help, the Alzheimer’s Association and Family Services for the Colorado has developed a list of five questions Chapter of the Alzheimer’s Associa- that individuals or family members tion. “I would suggest bringing these can ask the doctor to help ensure that questions in writing along with any the visit is productive and patients get other specific concerns or examples proper direction. you may have. There can be a number Do I (or the patient) have any med- of reasons behind memory loss and ical conditions that could increase my risk for developing Alzheimer’s personality change, so it’s important disease or another form of dementia? to get guidance from your doctor as Am I taking any medications that early as possible.” 5could be causing memory or cogni- For individuals who have imme- tive-related symptoms? diate questions, the Alzheimer’s What tests could you perform that Association has a free, 24/7 Helpline might rule out Alzheimer’s or demen- staffed by trained professionals who tia as a diagnosis? can provide guidance and support: Are you aware of my family history 800-272-3900. Information also is – particularly among immediate fam- available on the Association’s website: ily (grandparents, parents or siblings) www.alz.org/co. CHECK OUT Prestige Denture Clinic on page 8 Valuable Coupons & Pro Service !! Page 2 - Senior Beacon - August 2019 VISIT US ONLINE AT: SeniorBeacon.info FINANCE Different Goals For Different Folks TWO TYPES OF INVESTORS a preserver is tempted by growth If there’s a million people there’s a GROWERS HI RISK then too much risk can be taken. million different types of investors. They might also switch strategies What I’m getting at is there are two major goals behind our investing --younger --personal too often and lose opportunity. actions. You’re trying to grow or --lower net worth --younger Or they worst result is they could trying to preserve. lose a lot of principal when growth We all can guess that younger fades away. people are probably GROWERS Investors need to really assess and older folks are probably PRE- SERVERS. Or they should be. their expectations, make sure We’re young, the future’s ahead of they’re realistic and stick with win- us, higher earnings are ahead, too. PRESERVERS LO RISK ning strategies. Or we’ve experienced most of our That may be a balanced portfolio, earnings and we want to protect --older --personal an income portfolio or a growth our savings. That makes sense, portfolio. It’s individual and should right? --higher net worth --older Also, when we’re young we have be customized for the investor and less net worth. So there’s a bigger their goals. need to grow. If we’re too cautious “One can state, without exagger- at this stage we leave a lot of growth ation, that the observation of and and extra compounding on the net worth you will take more risk. decades. the search for similarities and dif- table. You can lose and still have time to ferences are the basis of all human Preservers, by definition, have come back. BUT WHAT HAPPENS IF…? something to preserve and lose. If you’re retired then it makes So what happens when you have knowledge.” Chances are they’re older and high- sense, again, to preserve those a young person who’s low risk? Or --Alfred Nobel er net worth, too. assets. an older investor who’s really high- You may not be working or even risk? TWO TYPES OF RISK-TAKERS paying finishing a mortgage. So the Well, sometimes a lot of trouble Ron Phillips is an Independent Fi- This leads us to the obvious role time and earnings are not there to and conflict. Goals and expecta- nancial Advisor, teacher, author of two of risk. If you’re young and growing make up big losses. tions don’t mesh. Risk tolerance is a very individual With the young person not tak- books and a Pueblo, Colorado native. thing, too. Some of us are just hard- ing risk they may not have enough He and his wife are currently raising RON PHILLIPS wired to be low risk or high risk. for retirement. their three sons in Pueblo. For a free Independent Financial Advisor Personally, I’m a risk taker and Or they may need to save a lot copy of Ron’s second book “Armchair and a Pueblo, Colorado native probably will continue that for more than they can afford. This could make them over reliant on Investor” visit www.RetireIQ.com or Social Security, too. leave a message at RonPhillipsAdvi- When someone who should be [email protected] VISIT US ONLINE AT: SeniorBeacon.info August 2019- Senior Beacon - Page 3 NEWS Some Residents Eligible for Rent Help REVISIONS TO THE PTC- future. 104 bill passed this last legislative The new program becomes session. available January 1, 2020. You PTC-104 is a combination of two can get the application from www. grant rebate programs for Colora- colorado.gov/pacific/tax/prop- do residents. erty-tax-rent-heat-credit-ptc-re- One grant is for a property tax bate-forms , file online at https:// and rent assistance rebate, the www.colorado.gov/revenueon- other grant is for a heat and fuel line/_/ or call 303-333-3482 for expenses rebate. an application or ask to speak to a PTC-104 was expanded in three counselor. areas: First, the property tax and rent assistance rebate now includes # # # all people who rent. Eileen Doherty, MS is the Ex- Previously, only renters who ecutive Director of the Colorado landlords paid property taxes were Gerontological Society. Her areas eligible for the rebate. With the revised PTC-104, now of expertise include management and administration of nonprof- renters who live in non-profit HEALTH BENEFITS. Rebates assistance passed this last legislative session. housing are eligible for the proper- it organizations, education and ty tax portion of the bill. Secondly, training on issues related to older the minimum and maximum re- adults, advocacy and policy devel- bate amounts were increased, based to be 65 or older, disabled and maximum property tax and rent opment on senior issues, and clini- upon yearly income. received benefits for the entire assistance to $735 and the heat cal practice in working with seniors Thirdly, the income requirements year, or a surviving spouse at least assistance grant increases to $202. and families to manage their lives were increased. 58 years old; live in Colorado for The minimum amount of the in the later years. She has been the This means more Colorado resi- the entire year; be lawfully present grant is $238 for the property tax Director of the Society since 1982. dents will be able to take advantage in the United States; and have less and rent assistance and $77 for heat She teaches Nonprofit Management of the increased benefits for grants than $15,192 in income for a single assistance. for Fort Hays State University. Her claimed in 2019. person and $20,518 for a couple). All income limits and rebates phone number is 303-333-3482 or Eligible Colorado residents need The 2019 grant increases to a will be adjusted for inflation in the [email protected]. Page 4 - Senior Beacon - August 2019 VISIT US ONLINE AT: SeniorBeacon.info Why Not Give a Shout Out to QUALITY CRUISES Thank them for sponsoring these menus! VISIT US ONLINE AT: SeniorBeacon.info August 2019- Senior Beacon - Page 5 SRDA AUGUST 2019 CALENDAR Special information from Pueblo’s SRDA (Plus) Senior Resource Development Agency Are you new to 230 N. Union Ave. (719) 553-3445 the Pueblo area? www.srda.org Looking to make new friends? Calendar of Events Here’s the place to go!!! AUGUST 2019 230 N. Union Ave. ■ Thursday – AUGUST 1 Pueblo, CO 81001 8:45-9:45 Morning Tai Chi 9-2 Pinochle 10-11 Chair Yoga Call us: 719-545-8900 11-12 Line Dance Too ■ Friday - AUGUST 2 2-3 Sr. Self Defense 10-11 Jian Qi Gong 3-4 Tai - Chi 1:00 Genealogy (on break) ■ Tuesday – AUGUST 20 ■ Monday – AUGUST 5 CLOSED FOR COLORADO DAY / 8:45-9:45 Morning Tai Chi D I N I N G R O O M O P E N 9-2 Pinochle ■ Tuesday – AUGUST 6 10-11 Chair Yoga 8:45-9:45 Morning Tai Chi HEALTH BENEFITS. Yoga for seniors has various health benefits. Chair yoga is offered at various times for balance and other benefits at the Senior 11-12 Line Dancing 9-2 Pinochle 2-3:30 Co-Op Drawing 10-11 Chair Yoga Resource Development Agency.