Boomers and Beyond Expo

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August 30, 2009 Times-Call Publication 1

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2 Times-Call Publication August 30, 2009

Kristi RitterSpecial Sections [email protected]

303-684-5275

Summer StairSpecial SectionsAssistant [email protected]

720-494-5429

Contributing WritersKate Frasure, LaurenSeaton, Brian Smith

On the CoverLarry Duane with his

plane.Photo by Brian Smith

Design by TravisClaussen

Onlinewww.T imesCall.com/

magazines.asp

Boomers & Beyond Expo vendorsDiscover the benefits of woodcarvingA glimpse at a Colorado carverCaregivers provide neededsupport

Couple finds passion in raftingLive longer, healthier livesCreate a strong resumeProtect yourself from identity theftGrandparents can get involvedLongmont flight instructor sharespassionSuccessfully sell stuffMaking room for parentsAdults return to schoolRetirees find drive in volunteeringFinancial tips for retirement

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WHAT WENT WRONG?MORE IMPORTANTLY,WHAT CAN WE PUT RIGHT?

H&R Block Financial Advisors, Inc. has become Ameriprise Advisor Services, Inc., an Ameriprise Financial company, and is no longer affiliated with H&R Block, Inc., or any of its affiliates. Investments and financial advisory services are offered through Ameriprise Advisor Services, Inc. Member NYSE/FINRA/SIPC. Your meeting will include a review of your existing financial situation and potential opportunities, gaps, or general strategies. You will not receive a comprehensive review or investment advisory services for which fees are charged. © 2009 Ameriprise Financial, Inc. All rights reserved.

It’s time for aCall (720) 565-9820 today to arrange your complimentary review.

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Thursday, Sept. 3, 20099 a.m. to 4 p.m.Radisson Conference Center1850 Industrial Circle, LongmontBehind the Radisson Hotel

Vendors • Free Seminars • Free Admission

The Boomers & Beyond Expo is a one-dayevent that is designed to provide adults age 50and older and their families with information andservices that will assist them in maintaining anactive, informed and healthy lifestyle.

Expo Vendors

AARPDedicated to enhancing the quality of

life for all as they age.

Advanced Family ChiropracticHelping busy families find health

solutions, not Band-Aids, for symptoms.

Ahlberg Funeral Chapel and CrematoryFull service, family owned and

operated mortuary and crematory.

Ameriprize FinancialInvestments and financial advisory

services offered through AmeripriseAdvisory Services Inc.

Applewood Living CenterA rehabilitation and skilled nursing

f a c i l i t y.

The Bridge Assisted Living atLongmont

The Bridge Assisted Livingcommunity provides a homelikeatmosphere that promotes indepen-dence and dignity for each resident.

Carroll-Lewellen Funeral andCremation Services

Helping to celebrate a life lived withcare and concern. Serving Longmont,Boulder County and the Carbon Valleycommunities since 1922.

Center for People with Disabilities/Seniors Low Vision Program

Provide information, referral,education, training, peer support and

advocacy to enable residents age 55 andolder with vision loss remain active andindependent.

Cherry Creek Mortgage and1st Reverse Mortgage USA

Colorado’s leading mortgagecompany and 1st Reverse Mortgage USApresents the facts and fiction of reversem o rt g a g e s .

City of Longmont Affordable HousingPr o g r a m s

For income qualifying seniors,down payment assistance, andaffordable and accessible homes forpurchase. Housing rehabilitationprograms are also available for homerepairs, improvements and accessibilitymodifications.

Compassionate ChiropracticWhisper soft force, powerful results,

new unique adjusting techniques withno twisting, popping or cracking.

Complete Spectrum Financial ServicesHelp people protect their assets and

achieve their financial goals.

Connelly ChiropracticA purpose to educate and adjust as

many families as possible toward opti-mal health through natural chiropracticc a re .

Crist/Mountain ViewComplementary pre-planning

resources to help ease the emotional andfinancial burden on your family in theevent of a loss.

Ed & Ruth Lehman YMCAThe YMCA is committed to helping

people build healthier lifestyles throughprograms that develop a healthy mind,

body and spirit.

Eye Care Center of NorthernColorado

The most comprehensive multi-specialty eye care group in NorthernColorado since 1969.

Golden Eagle Financial, Ltd.Offering complete financial services.

Golden WestOffering options for assisted and

independent living apartments and stu-dios. The campus provides a full rangeof meaningful activities and events.

Good Samaritan Society Communitiesof Northern Colorado

Offering senior living, assisted living,home healthcare, rehabilitation,memory care and long-term care.

Hover Community Inc.A non-profit senior living community

comprised of Hover Manor SeniorApartments and Beatrice Hover AssistedLiving.

Howe Mortuary and Cremation ServicesThe Howe family has been the area’s

premier funeral and cremation serviceprovider since 1898.

HumanaA trusted medicare insurer for more

than 20 years in helping the Medicarepopulation with their health insuranceneeds.

Kaiser PermanenteProviding personal care people

deserve by top-notch doctors atconvenient medical offices.

Presented by:

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Above, from left: BobSmith, Ray Hall and JohnTarpley share a laugh at theLongmont Senior Centerduring the woodcarvingclass. Left: Jerry Saldenworks on carving a face intoa golf ball. (BrianSmith/Times- Call)

Wood carving providesstimulation, releaseBy Brian Smith

Longmont Times-Call

Having been a woodworker all his life, theart of wood carving has deep roots for JohnTarpley. In fact, he still has carvings hismother made from long ago that are connec-tions to his past and reminders of loved oneslost.

The art is so prominent to Tarpley that hecontinues the tradition of carving despite thearthritis in his thumb. And he is finding him-self in growing company as the hobby ofwood carving grows among seniors. Produc-ing figures or art from the surface of wood isproving to be a relaxing way for the oldergenerations to keep their minds sharp andtheir fingers nimble.

“You know when you get older you start tolose some of the things you once had. Carv-ing shakes things up and gets you to relearnsome of those techniques,” Tarpley says. “Itreally stimulates the mind.”

The growing interest is evident in thegroup classes at the Longmont Senior Centerevery Friday morning.

“It’s a great place for us carvers because itis so hard to find a place that we can use to allget together,” says co-instructor Bob Smith.

Carvers who attend the group meetingsmay range in experience and age, but every-one is there to help each other.

According to Tarpley, the hobby has pro-vided a great fellowship among men andwomen alike, and is a “good time to releaseand talk with other people your own age.”

He adds that the simple act of carving can“utilize the mind and eye together and makeother aspects of life more enjoyable” due tothe fact that the “more mentally aware youare, the better outlook you can have on life.”

From lions to ducks, relief to bark carving,woodcarving is only limited by the carver’sown imagination. If your imagination con-jures up something your hands can’t quitefashion, everyone in the group is eager tohelp one another and share knowledge.

“You do a lot of thinking when you start tocarve. You have to look at the wood and seewhat it wants to be,” Tarpley says. “There issomething in there that wants to get out.”

The woodcarving group meets Friday mornings at theLongmont Senior Center year-round from 8 a.m. to noonand is free to the public. For more information, call 303-651-8411.

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Boulder carver Lueb Popoff carves a fox into a BoxElder tree at Foothills Elementary School. (BrianSmith/Times- Call)

Behind the Carver

Lueb Popoff has always had an artistic eyeand loved to work with his hands, but itwasn’t until he was 37 years old that hediscovered his carving talents.

His journey to wood carving began afterearning a degree in molecular biology andworking as a sous chef in the Boulder area.He started to notice the art of carving withchainsaws and started studying a video offamous Minnesota chainsaw carver JerryF a r b e r.

Carving ever since, Popoff expresses histalents through chainsaw and hand carvings.He has carved roughly a thousand carvingsin various sizes and runs his own carvingcompany named Hollow Log Tree Carvingand Sculpture in Boulder.

– Brian Smith

Why is carving a goodhobby?

A: I have always felt that workingwith my hands is extremely satisfying.Even when I was younger, I doodled,painted houses and spent time cookingprofessionally as an adult. It is that cre-ative element of creating somethingfrom nothing that makes wood carvingso self satisfying.

Why would carving be benefi-cial to an older generation?

A: Carving helps to keep you active,engaged and helps stimulate creativitywhich is important for all aroundhealth and mental well-being. It feelsgood to be engaged in a hobby of sometype. Also, with wood carving, you cansell or give away your creations whichbrings joy to others, as well.

What can you get from carvingthat you can’t anywhere else?

A: Well, the process is very creativeand very satisfying to watch somethingemerge from a block of wood. Livingin the forest with wildlife is myinspiration. With wood, I cancreate carvings that are a reminder ofthe natural world around us and theiri m p o rt a n c e .

What sort of spiritual journeytakes place when one carves?

A: Carving is one of those things that

takes you to another place. It refocusesyour attention to the block of wood youare carving and takes you away fromthe fast pace of everyday life. It is agreat stress-management activity.

How is it that you know whatfigures to carve from the wood?

A: I approach it one of two ways.Sometimes, I become inspired to carvea specific thing, and go buy or find apiece of wood suited for the carving.Other times, I might come across aninteresting piece of wood and I seesomething floating within the woodthat is waiting to be released.

What would surprise mostpeople about carvers?

A: Most carvers are self taught orhave taken just a few carving classes toget started. Most people think youneed to go to a fancy carving school inGermany to become good, but with alittle practice you might be surprised atwhat you can create. Personally, oneday I took a few carving tools into thebackyard with a log and pencil sketch. Ijust tried to carve the log to look likethe sketch. I did this over and overagain. Ten years later, I’m faster andbetter than I ever dreamed possible.

Lueb Popoff is a freelance carver who works oncontract. He can be reached through his Web sitehollowlogonline.com. He also displays his work atthe Boulder Farmers’ Market on Saturdays.

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Providing caregiverswith supportBy Kristi Ritter

Longmont Times-Call

The role of a family caregiver can be overwhelming. As thepercentage of older people who need assistance grows – rightnow as least 65 percent – many turn to family and friends forthe help they need. Others are not as fortunate to have familynearby, leading them to turn to paid providers.

For familycaregivers, theamount of helpthey providecan often deter-mine if the old-er person canremain athome. Theamount of sup-port placed onthose care-givers is un-measurable,and often pro-vided for free.In a 2006 re-port by Peter S.Arno entitled,“Economic Val-ue of InformalC a re g i v i n g , ” hesays “the valueof the servicesfamily care-givers providefor ‘f re e ’ is esti-mated to be$306 billion ayear. That is al-most twice asmuch as is ac-tually spent on homecare and nursing home services com-bined ($158 billion).”

With so many responsibilities, yet a desire to help theirloved ones, how do caregivers get the support and guidancethey need? Most turn to local caregivers groups. For thosehere in Longmont, as well as throughout the United States,they can turn to the national Toghers network.

Anne Togher, the creator behind the site, has more than 15years experience in the family caregiving field which helpedher realize the challenges that caregivers face. While runningan adult day program for seniors with dementia in Boulder for10 years, Togher worked hands on with individuals to find so-lutions and methods to make caregiving more achievable.

“For the people I was working with, they needed someoneto understand what they were going through,” she says. “They

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Anne Togher, right, trains Evana Henri to be acoach for Toghers.com. The site was started byTogher two years ago to be able to providesupport to caregivers nationwide. (BrianSmith/Times- Call)

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needed a large network to share ideasand support each other.”

Ready for a change in her career,Togher launched the idea for a nationalnetworking site for family caregivers,one in which she could help make a dif-ference in people’s lives. In 2007,Toghers.com (pronounced toe-gers) waslaunched to support and educate care-givers to improve everyone’s quality oflife.

The name of the company obviouslycomes from Togher’s last name, whichwas chosen for its Celtic meaning – oakcauseways that were part of the earlyBronze Era road system in Ireland thatpilgrims traveled in search of settle-ments. In the company’s aspect, thename reflects Toghers’ mission to pro-vide a roadmap to guide caregivers ontheir path of caregiving.

The site works by providing resourcesfor caregivers, including free articles, tipcards, leads to groups and organizations,and help on making decisions aboutcaregiving. The site also has a market-place link for online medical supplies,ones that are often referred by the care-

giving coaches. “We want to be a one-stop shop for family caregivers,” To g h e rsays.

As a free member of the site, care-givers can contact a coach via onlinechat, phone or if possible, in person, de-pending on where the coach is.

Currently, Togher says the companyis a leadership team of seven that allwork for equity in the company, believ-ing that what they do is through a needof others. Right now they are focused oncreating coaching plans that can helpcaregivers. For instance, a crisis planshould be put into place for all people

so if something does occur, there is aplan to follow. Togher says the site offersa self-directed guide for caregivers tocreate their own crisis plan. It’s also agoal to create more plans on differentlevels.

Ultimately, Togher says the site focus-es on four main areas: coaching, plans,products and free information.

“Caregivers are critical to their (olderpeople) ability to have quality of life,”she says. “And with the boomer popula-tion growing and a desire to age inplace, so is the need for family care-givers.”

Two years into the company,Toghers.com is now focused on spread-ing the word about their network. Inmany ways it’s all done through socialmedia, such as Twitter and Facebook, aswell as Togher’s blog and guest articles.The next big step will be to developpartnerships with places that the com-pany can help, like businesses that catertoward older people.

In the end, it’s all about offering thesupport to caregivers that they need inorder to provide for their loved ones,while also taking care of themselves.

Continued from 6 “Caregivers are critical totheir (older people) abilityto have quality of life.And with the boomerpopulation growing anda desire to age in place,so is the need for familycaregivers.”

Anne Togher

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Top: David, Penne and daughter Becky Adams on Houserock Rapid in the Grand Canyon.Middle from left: A group of five people unwind at the end of the day by reading andrelaxing. David scouts Granite Rapid, which is rated a 10. Bottom from left: David and Pennefloat in the Little Colorado river. The water is warmer at this point, where the LittleColorado joins the Big Colorado. The group eats a meal under a stone overhang on the rivermile 205. This was the only shade available along the river. (Courtesy Penne Adams)

Boating The Big WavesCouple shares passion for river rafting

By Lauren Seaton

Longmont Times-Call

Any white water rafting trip, regardlessof how big or small, carries with itsurprises. Last summer’s Grand Canyonexcursion was one such trip for Penneand David Adams of Longmont.

On Aug. 10, 2008, the first day of a224-mile rafting trip through the GrandCanyon, they celebrated Penne’s 64thbirthday on a beach along the ColoradoRiver. David had hidden a chocolate cakein their food cooler alongside two-weeksworth of meals. Penne was amazed byboth the dessert and the group’s renditionof The Beatles’ “When I’m 64.”

Originally from Michigan, Penne andDavid were married Aug. 5, 1977, andhave lived in Colorado since. Nowretired, they recently moved from Niwotto Longmont. Their passion for riverrafting started about five years after theymarried.

In 1982, Penne did a non-commercialrafting trip part way down the GrandCanyon with her daughter, Becky. She washooked before stepping out of the boat.

“When we hiked out, we went straightto the ranger’s station to sign up (for apermit),” Penne says.

But rafting in the Grand Canyon ispopular. It was seven years before theywere awarded a permit and David couldjoin his wife on the river for the full16-day journey. “After that ’89 trip, webought our own gear,” David says.

Non-commercial, or private, tripsthrough the Grand Canyon are done with-out a guide and on boats with a set of oarsinstead of paddles or motors. A permitfrom the National Park Service costs morethan $500 after individual fees, and thetrips take months to plan and pack – twoweeks worth of meals, water, clothing,camping gear, helmets, personal flotationdevices, first aid kits and for the Adams –a Dutch Oven for quality dinners.

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“Almost daily, I’m scared to death and loving every minute of it. It’s such an adrenaline rush.”– David Adams, on rafting the Grand Canyon

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Rafting Terms:High side: The necessary act

of jumping to the “high side”when coming up against an ob-stacle sideways.

Po o l : A deep, quiet stretch ofr i v e r.

Ra p i d : A fast, turbulent stretchof river, often with obstructions.

River rating: A measure of thedifficulty of a rapid or a river.

Scout: To examine a rapidfrom shore.

Standing waves: A wavecaused by the deceleration ofcurrent that occurs whenfaster-moving water slams intothe slower-moving water.

To n g u e : The smooth “V” offast water found at the head ofrapids.

Penne, David and Becky Adamsin Matkatamiba Canyon.(Courtesy Penne Adams)

Continued from 8

The canyon is both extreme and unique.Air temperatures often surpass 100 degrees,while the water hovers around 45 degrees.Scorpions roam the beaches and it’s isolat-ed – almost all access to the river is eitherby foot, pack animal or helicopter. But aday hike can lead to a secluded waterfallwith a fern gratto; dinner can be freshcaught trout.

“It’s brutal, and you gotta be tough,”Penne says. “But it’s beautiful.” David adds,“Almost daily, I’m scared to death and lov-ing every minute of it. It’s such anadrenaline rush.”

On their 2008 trip, the Friday followingPenne’s birthday celebration was the firstnight of major storms that dropped asmany as 8 inches of rain on northern Ari-zona. The Adams set up camp on the beachbetween a cliff and the river. At 4 a.m., theywoke to what sounded like gunshots – therock slide came down fast. One rock shotthrough the tent, hitting Penne on thehead. After seeing the blood, Paul wrappedher head in a sheet while she sat, still con-scious. Then they left their tent, boat andall other belongings behind as they ran to anearby camp.

They waited approximately an hour fordaylight. Then, fellow rafters rowed Penne

and David through rapids to PhantomRanch, located near Bright Angel Creek. Atthe ranch, Penne was airlifted to FlagstaffMedical Center. She spent three days in thehospital with a compound skull fractureand a second-degree concussion.

But Penne thinks her husband made theharder trip. “Dave had to hike out the ninemiles up the canyon – in his sandals – toget out,” Penne says. Then he drove ap-proximately 100 miles to Flagstaff, and thewhole time “he didn’t know whether I wasdead or alive.”

Another rafter took their gear and boatdown the river, and a friend drove theirtruck back to Colorado. Penne and Davidtook a flight. “It was traumatic, but itdoesn’t discourage us,” she says. “We real-ize how lucky we were.”

In total, Penne has been on six GrandCanyon trips, and David has done four.Both have rafted numerous rivers in Col-orado and Utah and were asked on two sep-arate Grand Canyon trips this year alone.They couldn’t go, because of scheduling,but they vow to return; their relationshipwith the river is too strong to stay away.David advises others to follow their lead.“If you ever get the chance, quit your joband go. It can be a life changing experi-ence.”

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Live Healthy, LongerArticle Resource Association

Today, Americans are living longer than ever before, enjoy-ing more time for travel, family and hobbies. For today’s se-niors and baby boomers looking to stay healthy and indepen-dent for years to come, practicing easy, proven healthy-livingstrategies can make a difference in their health and wallets.During these difficult economic times, a little preventivehealth care can pay off and save money in the long run.

“You can take steps toprevent premature ag-ing and to stay healthyas you get older,” saysAmerican MedicalAssociation PresidentDr. J. James Rohack.“Healthy living andregular check-ups canhelp older patients fo-cus on enjoying theirlives instead of worry-ing about their health.”

The cost of makingunhealthy lifestylechoices is staggering –both in terms of finan-cial and human conse-quences. About 20 per-cent of those 65 andolder who use Medicare

for health coverage and have five or more chronic conditions,like diabetes and heart disease, see about 14 different physi-cians each year. Many of the associated costs can be reducedthrough preventive health care, early detection and treatmentto avoid future complications and disability. Maintaining ahealthy weight, getting regular exercise, and avoiding tobaccouse and risky drinking makes a huge difference in overallhealth and greatly reduces the risk for chronic conditions.

“It is never too late to start working toward a healthylifestyle,” Rohack says. “Research shows that a healthy lifestylecan substantially reduce the risk of heart attacks and stroke, as

Continued on 11

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Continued from 10

well as delay or stop the onset of type 2diabetes. Quitting smoking at any agecan improve circulation and lung func-tion and greatly reduce cancer risks.”

Eating RightChoosing the right foods is a major

component of a healthy lifestyle.Healthy eating can help prevent andcontrol many diseases, such as highblood pressure, heart disease and dia-betes, and improve your energy level.Many people think this means going ona diet, but by making small changesthroughout time, you can incorporatehealthy habits into your normal routine.Aim to eat at least two cup-size portionseach of fruit and vegetables daily, mostlywhole grains, fish and other lean proteinto get needed vitamins, minerals and es-sential fatty acids. Aim to eat smallerportions of foods high in sodium, sugarand saturated fat. Importantly, adultsolder than 65 should incorporate addedcalcium and vitamin D to reduce therisk of osteoporosis.

Exercising Body and BrainRegular exercise can help prevent or

delay type 2 diabetes, heart disease,

some cancers and help relieve arthritispain, anxiety and depression. It isn’tnecessary to have a gym membership toget enough physical activity. For exer-cise, take a walk or ride a bike aroundthe neighborhood. Swimming is alsogreat exercise and easier on joints. Gar-dening and playing with kids are alsofun ways to be active. Muscle strength-ening activities can also greatly benefitolder adults to build muscle andstrengthen bones. If you are older than50, check with your doctor before start-ing an exercise program.

Mental activity is just as important asphysical activity. Activities like reading,playing cards and doing crossword puz-zles can keep your brain alert and re-sponsive for the things you do every daylike grocery shopping, cooking and han-dling finances. Staying mentally activemay also lower the chances of develop-ing Alzheimer’s disease and help offsetnormal age-related decline in thinkingskills.

Health Check-upsHealthy habits are important, but

don’t forget regular visits to the doctorfor screenings and preventive care tohelp avoid chronic disorders in vision,

hearing, bone density, cancer and obesi-ty. Half of all American adults in 2005did not receive recommended preven-tive care, including vaccinations, cancerscreenings and blood-pressure checks.By getting a regular physical exam, aphysician can catch health problemsearly on, treating them with efficiencyand accuracy to maintain overall health.Healthier people spend less money onhealth care.

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Cataracts can happen at any age. However, they are the leading cause of treatable visual loss in adults 55 and older. Common symptoms are cloudy, fuzzy, foggy or filmy vision, colors that seem faded, glare from bright lights,

halos around lights, not being able to see well at night, double vision, and frequent changes in an eyeglass prescriptions.

If a person is older than 50 and experiencing change in his vision and has not had a recent eye exam, he should have a complete eye health exam by a medical doctor who is trained in all forms of eye disease and treatment.

Dr. Terry Robinson, M.D. is an expert with more than 29 years of experience in the removal of cataracts, performing the latest state-of-the-art no stitch cataract surgery, including multifocal and astigmism-correcting intraocular lenses and the newest glaucoma medical and laser treatments.

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Continued from 3Life Care Center

Longmont’s premier skilled nursingfacility offering inpatient and outpatientrehabilitation, long-term care, memorycare and respite.

Longmont ClinicA cornerstone in our community for

more than 100 years, Longmont Clinicis a complete medical center known forgreat doctors and exceptional care.

Longmont Senior ServicesA focal point for recreational pro-

grams and supportive services for olderadults and caregivers of older persons.

Longmont United HospitalExpert caregivers, compassionate

healing and innovative technology. In2009/2010, HealthGrades recognizedLUH as top 10 in the nation forOutstanding Patient Experience.

Medically Based Fitness PhysicalTherapy and Exercise Clinic

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Resume 101By Summer Stair

Longmont Times-Call

Searching for a job at any age can bedaunting, but when you are faced with20-plus years of experience, how do youcraft a resume and cover letter that isn’tover whelming?

Gordon Miller, senior partner atDovetail Solutions in Denver, says themost important thing for boomer-agejob searchers to remember is to forgettheir past and start talking about the fu-ture. “Many of today’s employers don’thold experience as important as trans-ferable skills,” he says. “They are alsoconcerned that boomers are burned outso candidates need to show a youthfulenergy in their resumes.”

Showing a youthful presence throughyour resume and cover letter is impor-tant, because unfortunately age discrim-ination still happens in the workplace.Miller says being able to talk about theindustry you are applying to, their com-petition and specific ways you will bringvalue today and tomorrow will bring thefocus away from age and to you. “Also,don’t talk about the past – talk aboutthe future,” he says.

“An older person simply has more tooffer because of his or her experience,”says Loren Sciaky of Potent Communi-cations in Boulder. “It should be a fairlysimple matter to demonstrate thebreadth of the older candidates experi-ence and accomplishments.”

Following are some tips from Millerand Sciaky on how to craft a successfulresume and cover letter no matter whatage you are.

• Focus your resume. Miller says re-sumes used to be all about educationand experience, but today the focusneeds to be more about how you canbring value to a specific company. So inother words, candidates should cus-tomize each resume for a specific com-p a n y.

• Keep it at two pages. The standardlength of a resume used to be one page,but both Sciaky and Miller say it can belonger, but no more than two pages.“Longer resumes are now acceptable,and this is particularly the case whenthe job seeker has a great deal to offer,”Sciaky says. “A resume should be lean,with only the most powerful informa-tion in it. If it’s two pages, that’s OK.”

• Don’t include references in your ini-tial contact, but do say “R e f e re n c e savailable upon request.” When a com-pany requests them have them ready tosend, or take them to the interview.

• Include a unique and personal cov-er letter. Miller says the biggest problemwith cover letters is they are often tooformulaic. Take time to put somethought into it. Sciaky believes a coverletter is the job seeker’s chance to make

their eagerness known. “If the cover let-ter is well written, the candidate’s char-acter and enthusiasm should be evi-dent,” he says.

• Think ahead to the interview. It isimportant to always be prepared for aninterview, because you could get aphone call at any time. The interview iswhat most job seekers are waiting for,this is their chance to distinguish them-selves from all the other candidates.

• Network. Whether you do this pro-fessionally or socially, networking oftenis what helps candidates get a foot inthe door. In today’s economy it oftenisn’t what you know, but who you know.Miller says getting a “warm intro” to ahiring official from someone you knowcan make a huge difference between youand someone else being hired.

• Don’t let your ego interfere. “Thebiggest mistake (candidates make) isthinking all their experience somehowentitles them for serious consideration,”Miller says. “It usually doesn’t.”

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Know identity theft basics to protect yourselfArticle Resource Association

When the shock of shattered nesteggs eased, many Americans got downto the serious work of rebuilding theirfinancial futures.

If you’re a baby boomer, you may bein better financial shape than people inother generations. You might also feelpressure to preserve the wealth you’veretained and protect your ability to con-tinue saving for retirement. Identitytheft is one of the fastest-growingthreats to financial health.

Identity (ID) theft was the top com-plaint category for all complaints filedin 2008 with the Federal Trade Commis-sion-maintained Consumer SentinelNetwork, which catalogs complaintsmade to the FTC and numerous otheragencies, including the Better BusinessBureau, the U.S. Postal Service and theNational Fraud Information Center.Nearly 314,000 complaints – more thana quarter of all complaints – were relat-ed to ID theft, according to the FTC.

The FTC recommends a three-pronged approach to avoid-ing ID theft – deter, detectand defend.

Deterring ID theft• Always use passwords

for credit, bank and otherpersonal accounts, especiallyif you access them online,and ensure the passwordsare not something easy toguess.

• Secure your own person-al information by shreddingdocuments with identifying

information before you trash them athome or at work. Never share personalinformation over the phone, throughmail or online unless you’ve initiatedthe contact.

• Don’t carry your SSN card with youand share the number only when abso-lutely necessary.

Detecting ID theft• Keep an eye on your credit report

for any suspicious activity.• Watch out for signs your ID has

been stolen, such as not receiving ex-pected bills or mail, receiving creditcards you didn’t apply for, calls or lettersfrom debt collectors about products orservices you didn’t buy, or unexpectedlybeing denied credit.

Defend against ID theftConsider enrolling in an ID protec-

tion program that helps monitor yourcredit report. Programs like Protect-MyID.com can help you secure your re-built nest egg by helping you keep aneye on your credit report and activity.

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m8/20/2009yTCsstair


By Kate Frasure

Longmont Times-Call

In today’s mobile society, it is even more important to besurrounded by family. Children do not only need their parentsaround when they are growing up but it is almost crucial tohave grandparents in their lives also. “It increases children’strust levels by showing them that adults other than their par-ents care about them,” says Dr. Shirley Thomas, a child andfamily psychologist in Longmont.

Thomas, who recently became a grandparent herself, offerssome ideas that grandparents can do with children of all ages.

Ages 3 to 5Thomas says at this age, children are more oriented toward

playing with games and objects, as well as being active out-side. However, with winter approaching, going outdoors is lessof an option.

• Take toys and put them on the floor, follow the lead of thechild in play.

• Go to the library and have the child pick out books thatyou both can read together. Thomas says you can even makethis a routine.

• Rake leaves into a pile and jump in them.

Ages 5 to 8• Bake cookies or cook a special dinner for the family.• Play card games, such as Go Fish, or board games.• Make your own autumn journal with leaves from outside.

Add leaf prints by placing a leaf, vein side up, beneath a pieceof paper and then rubbing a crayon sideways along the paperstop side.

Ages 8 and Older• Do special things that parents can never do, such as teach-

ing children about their family history with photo albums.Talk about growing up during that period of time with all thegrandkids great grandparents, uncles, and aunts.

• Visit the local museum or go to the movies.• Look in the paper or online for local events occurring in

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Check out www.boulderkids.com, www.downtownlongmont.com andwww.guidespot.com/guides/freebie_activities_in_denver for more events andplaces to take grandchildren.

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Continued on 17

Local pilot shares loveof soaring in the skies

In a time when Sputnik first circled the Earthand Alan Shepard and Neil Armstrong were na-tional heroes, a young Larry Duane looked up tothe sky in wonder.

“When I was 6 years old, my father put me intomy first airplane and from then on I always knewI was going to be a pilot,” says the Longmont pilotand instructor.

But it wouldn’t be until much later in his life,when he moved to Alaska, that he actually got be-hind the prop to start a life-long passion.

Before Duane was the accomplished flight in-structor he is today, he was a confused 17-year-oldkid whose father had just died. An only child, hefelt he needed to find himself. He left home look-ing for a few adventures, eventually enlisting inthe Marine Corps as an F-4 Phantom fighter jetmechanic. After the Marines, he got his kicks bylearning to skydive and shortly thereafter foundhimself moving to Alaska to pursue a career in theexpanding banking field.

In his spare time, Duane decided to pursue fly-ing and within 45 days he had his license.

“I was flying three to five times a week ... I was

Story and Photos by Brian Smith

Longmont Times-Call

Top: Larry Duane, ColoradoBackcountry Fliers instructor,with his 2005 A-1B Huskytailwheel airplane.

m8/20/2009yTCsstair


Continued from 16

possessed,” admits Duane with a chuck-le. He was in his essence, doing what hewas born to do. “I think we are predis-posed genetically. Flying is a disease,once you get it you can’t get rid of it,”he says.

Despite his feverish love for the sky,Duane kept his day job in the bankingindustry; a decision he still questions tothis day. But the end justifies the meansand he is content with his life as a flighti n s t r u c t o r.

After years of flying across the UnitedStates, Duane was ready to share his ex-periences with others interested in fly-ing. “Everyday, in the back of my mind,I was thinking that I wanted to be aflight instructor,” he says.

Following his instinct, he retired fromthe banking industry, moved to theFront Range and started to earn histeaching certificates. He soon found thatteaching was his true calling. “I am mostsatisfied and motivated when they (mystudents) are motivated. There is noth-ing I love more than a student thatcomes to me and asks if we can we flyever yday,” he says.

Duane is now a flight instructor for

Colorado Backcountry Fliers, whichspecializes in teaching students to flytailwheel aircraft used for back countryand mountain flying. He also teachesthrough Air West Flight Center locatedat the Vance Brand Municipal Airport inLongmont.

According to Duane, learning to fly ispopular with the older crowd becausethey have more time, disposable incomeand a sense of “I better do this now,while I can.”

And the “this” is what fascinates him.“I go to places people only read about inbooks,” Duane says. “Seeing everything,I’m just blown away. The beauty MotherNature has done. Seeing all of that fromthe air. It is really tough to get the bigpicture when you are on the ground.”

For many, flying is a form of es-capism. But more than just “getting

away from the office” it is a life-longpursuit of what lies over the next cloud– adventures only limited by the gas inyour tanks.

Duane encourages anyone who isthinking about learning to fly to takethe leap and sign up.

“If you went into a room and askedhow many people would like to learn tofly, nine out of 10 people would raisetheir hands,” he says. “Most anyone canfly. The tactile skills, the power, every-one has the ability to but are not com-fortable stepping into an entirely newworld.”

But flier beware: according to Duane,the sky is infectious. It’s a relationshipthat many flirt with their whole lives,some more than others.

“My world is small in many ways, butnot in others.”

Larry Duane, Colorado Backcountry Fliers instructor, poses with his 2005 A-1B Huskytailwheel airplane at Vance Brand Airport.

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m8/20/2009yTCsstair


Clear out clutter with these tipsAssociation found that, “classified adrevenue among daily newspapers withcirculations of less than 15,000 actuallyrose by an average of 23 percent in thefive years ending in 2008,” as written inan Associated Press story by MichaelLiedtke.

So, don’t disregard your local papers.They still have an audience, and it maybe the right audience for what you’reselling.

But whether you communicate yourwares in a local newspaper, on signstacked to telephone poles or on the In-ternet, be specific. If it’s a moving sale,say so. If it’s online or in the paper, takedetailed photographs of your items witha digital camera.

Longmont resident, Kate Jones, sellsitems at Om Shanti Handcrafts,her online Etsy store. “Potential cus-tomers like to be able to examineexactly what it is that you are selling,”

Jones says. “They can’tpick up what you sell, tryit on or smell it, so theydepend entirely on yourphotographs and descrip-tions.”

Step 3Write a clear descrip-

tion of your wares. “Behonest and thorough hereto avoid troubles later,”Jones advises. This is trueregardless of the mediumbeing used. Whether it’syour first time or 100th

time selling, your reputation is yourmost important asset.

Step 4Price your items. Decide whether you

just want to get rid of the product or ac-tually make money from it.

Step 5If you’re selling online, monitor your

sales daily. If you’re selling through a lo-cal newspaper, verify that your informa-tion prints correctly. Whatever or wher-ever you choose to sell, be accessibleand have fun.

For SaleBy Lauren Seaton

Longmont Times-Call

Some people collect, and some peoplehoard. Others create. But any hobby,craft or pass time can result in a garagefull of hand carved figurines, a closetbrimming with Vietnam War memora-bilia or bags of stamps spanningdecades.

Today, there are increasing options forhow to profit from your hobby or sim-ply clean out your closets.

H e re ’s how to start:

Step 1Determine what you want to sell.

Step 2Advertise. Although, it’s no secret

that newspapers have struggled this pastyear, local papers are fairing better thanlarger national organizations.

A recent study by the Inland Press

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Think you have acrowded house? Maybeyou’re not alone. Surpris-ing new data from theU. S. Census Bureau findsthat many Americans aremaking room in theirhome for parents, fol-lowed by siblings andother relatives.

From 2000 to 2007, thenumber of parents who moved in with their adult childrengrew 67 percent to 3.6 million. Even more interesting, thenumber of parents younger than age 65 in these householdsincreased by 75 percent and those 65 and older rose 62 per-cent.

With uncertain economic times and higher housing costs,combining households has become a more prudent approachto managing expenses. If you’re planning on making room forparents, siblings or others, a room remodel might be first onyour agenda. It is estimated that more than a million homesundergo a remodel or renovation each year. And now’s a greattime to connect with contractors.

Kitchens remain the most popular room for remodeling, ac-cording to the National Association of the Remodeling Indus-try, because they tend to keep their resale value.

If you’re looking for home improvements that are also goodfor the environment, consider these green remodeling tipsfrom Pella Windows & Doors.

• Windows – Install Low-E double or triple-pane windowsfor at least the east and west windows, subjected to intensemorning and afternoon sunlight, causing significant summerheat gain. Look for a Solar Heat Gain Coefficient (SHGC) of0.40 or less. And select Energy Star qualified windows.

• Lighting – Purchase compact fluorescent bulbs.• Appliances – The initial price is often less than the cost of

running them over a long period of time. For a greener home,look for the Energy Star label.

• Flooring – Buy more durable and natural surfaces like tile,stone, cork, harvested wood, stained concrete or bamboo.

Make room for parents in a remodel

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m8/20/2009yTCsstair


A Second ChanceMany return to college for a new career

By Kate Frasure

Longmont Times-Call

Sitting at a table in Perkins, Larry Mc-Garity of Loveland proudly pulls out acopy of his Colorado State Universitydiploma. Taking a sip of his coffee heexplains the feeling of being the firststudent in line to receive his diplomathis past May and the indescribableemotion when he was named the topbusiness student in his concentration.So what makes this student so amazing?After all, thousands of college studentsgraduate each year. McGarity is 61 yearsold.

Today, many older adults are return-ing to college to earn a degree. “Manyare just rekindling something theystarted a long time ago,” says KathrynTisdale, the director of Student Servicesof Continuing Education for theUniversity of Colorado at Boulder.“They started college a long time agoand then life happened. Now the kidsare grown or in college and they haverefocused their attention on going backto college.”

In McGarity’s case, he chose to returnto college because the company he wasworking for in Loveland outsourced toMalaysia. The company offered to payfor him to go back to school to earn an-other degree.

“I got really sick of sitting at home alld a y, ” laughs McGarity, who graduatedfrom Santa Rosa Junior College in 1972with an associates degree in electronic

technology. He now has a bachelor ofscience degree in business administra-tion from Colorado State.

The new graduate of CSU says whenhe first applied to the school he was un-der a tight time line. “By the time I de-cided to go back, I was too late to get in-to the spring semester and I had to seeka waver.” Of course, this did not slowMcGarity down. He went to FrontRange Community College to earn cred-it for his core classes, taking classessuch as microeconomics and college al-gebra. Then in the fall of 2007, he wasaccepted into CSU.

According to Tisdale, the biggest con-cern among older adults when they areconsidering to return to college iswhether they will fit in with theyounger crowd. Since more adults arereturning to college it is not as big of anissue. As Tisdale says, older adults actu-ally bring enrichment to classes. “Some-one actually can recall a time period thatthey have lived through and offer moreinsight than a book could ever geta c ro s s . ”

Even McGarity says he can recallmany occasions where he knew the in-structor was wrong because he had ac-tually lived during the time or in theplace where an event occurred.

Tisdale says older adults going backto college is the largest growing demo-graphic according to the Adult Educa-tion Participation study in 2004-2005by the National Center for EducationStatistics. Forty-four percent of adults

surveyed were involved in some kind offormal education, a higher percentagethan indicated by younger participants.“We are seeing more and more adults re-turning to college, showing that educa-tion never stops being valuable,” Ti s d a l esays.

McGarity hopes to keep workingas long as he can and wants to try andpursue a masters in systems engineer-ing. He agrees that education is apriceless necessity and no matter howold a person is, they can always keeplearning.

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m8/20/2009yTCsstair


Boomers redefine volunteerismArticle Resource Association

Baby boomers have been rewritingAmerican culture for decades. Now, asthe first wave of retiring boomers leavesthe work force and the next wave isreaching the 55-plus mark, they are re-defining yet another great American in-stitution – volunteerism.

In 2002, Dom Gieras retired from hisjob with the State of New York after 30years. Where once his volunteering re-volved around his family’s needs, in-cluding stints managing his son’s base-ball teams, today, he is a volunteer tech-nology consultant with the ExecutiveService Corps of the Tri-Cities. Gierasconsults on projects for local nonprofitagencies, is a volunteer Webmaster for aliteracy organization, and is the creatorof the Capital District Nonprofit Tech-nology Assistance Project, a Web sitethat serves as a reference guide to tech-nology solutions for local nonprofits.

Now that baby boomers like Gierashave more time of their own, they areincreasingly looking for innovative ways

to serve nonprofits. And, like Gieras,many are choosing opportunities thatare rooted in the skills and experiencesthey acquired in the working world.

“Boomers came of age in an era of ac-tivism and involvement,” says Jill Fried-man Fixler, an expert on boomer volun-teering trends. “As boomers reach thelater years of their work they are begin-ning to think about their legacy, howthey will be using their time and skillsto impact their community – and skilledvolunteering is the most logical way tocontribute.”

This summer, Friedman Fixler part-nered with VolunteerMatch, the non-profit organization whose Web service,w w w. v o l u n t e e r m a t c h . o rg , is the leadingvolunteer matching network, to release“Boomer Volunteer Engagement: Col-laborate Today, Thrive Tomorrow.”

According to Friedman Fixler, skilledvolunteering is proving more rewardingboth for boomer participants and for theorganizations they support. Skilled vol-unteering opportunities tap a range of

professional expertise. Some popularopportunities include grant writing, ac-counting, marketing, strategic planning,board development, fundraising and so-cial services.

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Financial tips for retireesMetro Services

A lot of the more than 76 million baby boomers headed to-ward retirement are losing sleep at night, not because they’reworried about having enough money to retire. They’re won-dering what they want to do with the rest of their life, accord-ing to Joan Carter, co-founder of Life Options Institute, an or-ganization devoted to helping people plan for life after age 50.

If you’re one of the millions of baby boomers beginning tothink about retirement, here are tips from Carter:

1. Life’s about more than money. Start thinking seriouslyabout your retirement about five years before you expect toquit the workforce.

2. Make life plans. It is important to plan for the non-finan-cial aspect of retirement.

3. Find a purpose. Find something on an ongoing basis thatprovides you with joy, and structure to your life. This can in-volve travel, hobbies, or even new career training.

4. Keep sharp. You may feel the need to replace the intellec-tual stimulation of work. If so, try learning a foreign languageor musical instrument, or joining a retirement group that of-fers ongoing educational courses.

5. Volunteer. Getting involved in the community is a greatway to give back, as well as a wonderful opportunity to inter-act and meet new people.

6. Develop new friendships. A measurement of whether peo-ple have a successful retirement is the strength of their socialnetwork that includes family and friends.

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m8/20/2009yTCsstair


Frontier Therapy Center celebrates first anniversaryContinuing its history of helping

people regain life skills, The PeaksCare Center is celebrating its one-yearanniversary of the Frontier TherapyCenter. Designed to enhance care ser-vices, the Frontier Therapy Center of-fers state of the art therapy equipmentto get people back on their feet and re-turning to a happy, normal life, in-cluding an accelerated care plus pro-gram, electrical stimulation,diathermy and ultrasound. Also, theWii and Wii Fit are offered as part ofthe therapy program.

Kathy Maguire, director of therapy,said the center attracts people of anyage dealing with orthopedic injuries,medically based diagnosis, short reha-bilitation needs and more. The centeroffers 20 private rooms with flatscreen televisions, private phone lines,cable, individualized climate control,electric bed and private bathrooms.The center also offers a streamlinednurse call system which outfits pa-

tients with a global positioning system(GPS) so nurses are able to track a pa-tient’s location.

The center also features an in-housespa for therapy, a transitional therapyroom and an in-house therapy staffthat is available for all patient’s needs.

Maguire has 23 years of clinical ex-perience where working with patientshas allowed her to keep their needs,and their family’s needs, in mind.

This center added to The PeaksCare Center services, which includephysical, restorative, occupational and

speech therapies.When seeking to improve the quali-

ty of life for a loved one or self, peopleshould consider many factors. JeanMendez, admissions director for ThePeaks Care Center, said clients choos-ing a facility should ask: Is it clean? Isthe staff approachable, friendly andknowledgeable? Are other patientshappy? Is the therapy staff actively in-volved with the patients? Do patientsreceive one-on-one or group therapy ?

While it is often easy to put offlooking for therapy services or an as-sisted living center until circum-stances make it necessary, Peaks CareCenter administrator Heather Strattonsaid it is best to think ahead when youcan make a decision without being ina time of crisis.

Come visit The Peaks Care Centerand Frontier Therapy Center today tosee all they can offer. For more infor-mation, stop by 1440 Coffman St. orcall 303-776-2814.

Paul Litman/Times-CallThe Frontier Therapy Center.

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