Put $$'s In Your Pocket - Senior Property Tax Exemption

Do you want to put $$'s in your pocket?  It's really easy with the Colorado Senior Property Tax Discount Program.  The Colorado State Property Tax program was reinstated in 2012.  As long as the program is funded, and if you qualify, 50% of the first $200,000 in the actual value of the primary residence is exempted from property tax.  Once an exemption application is filed and approved by the assessor, the exemption remains in effect until a disqualifying event occurs.

Who Qualifies

• Are at least 65 years of age PRIOR to January 1 of the year of application
• Owned the home for at least 10 consecutive years prior to January 1, and
• Occupied the home as their primary residence for at least 10 consecutive years prior to January 1.
• Surviving spouses of seniors who qualified

How To Apply - Larimer County

• Pick up a form at the Larimer County Assessor office - application available Jan 1
• Address:  200 Oak Street, Fort Collins 
• Phone:  970-498-7073
• Apply before July 15th
• Mail Form to:                                                                                                                                 Larimer County Assessor -                                                                                               Senior Exemptions Processing PO Box 860 Fort Collins, CO 80522                               Phone: (970) 498-7073                                                                                                     Email: grahamsm@larimer.org

How To Apply - Weld County

• Pick up a form at the Weld County Assessor office in Greeley
• Address:  1400 N 17th Ave, Greeley 
• Phone:  970-400-3650
• Apply before July 15th
• You can request a form by emailing:  assessor@weldgov.com

For additional information, you can download the brochure published by the State of Colorado

Smart Device Ideas & Basic Need Resources for the Disabled

There are seasons to the year, with fall officially started, but there are no seasons when it comes to assisting people with disabilities. Disability in the senior community can start with a fall, a stroke, a heart attack, disease, or many other factors.  Depending on the disability, these "smart devices" could be a comfort to those in need.  

Echo

In the home, an Echo is a voice command devise that can be used to add a reminder for taking medications, or as a second timer for baking a casserole. This hands-free device can help compose a shopping list or do an internet search, all from the comfort of the chair or bed.  Just "ask it"  and it will do about anything you ask it to do.  

Ring Smart Doorbell

A Ring Smart Doorbell has a motion-sensor camera and will show who's at the door, so you can decide whether to answer or not.  If the disability makes it hard to get up out of a chair or you are wheelchair-bound, this could make a huge impact by causing you less pain and stress trying to get to the door when it's not important to you.  

Smart Thermostat

Have you ever been awakened in the middle of the night because you are cold?  A "smart thermostat" can be adjusted from an i-phone.  Don't get out of bed to turn up the heat.  Stay under the covers and turn up the heat.  You will be toasty soon.  

Echo Connect

The Echo Connect can call emergency services for you.  All you need to do is say "Alexa, call 911"  You don't have to wear a device around your neck if you "fall down and can't get up".

These products can be found on Amazon but there are many brands and styles to suit your taste and budget.  I do not promote these brands nor do I work for the company.

Basic Need Resources

These are just a few electronics that can help seniors with disabilities, but did you know that consumer's lives can be impacted by working with Disabled Resource Services.  Even the basics can be a huge need for some.  

Bet You Didn't Know

Top 5 Requests for Toiletries

Did you know they keep a supply of (primarily) sample-size toiletries at our Fort Collins and Loveland offices for their low-income and homeless consumers? Here are the 5 products most in demand:

1. Toothbrush                  4. Razors                           
2. Toothpaste                  5. Bar soap

3. Toilet paper

Personal hygiene is an important aspect of self-esteem and self-confidence. If you have unopened toiletries or extra toilet paper that you can spare, please consider donating them by dropping them by either of the DRS offices. Questions? Please don't hesitate to contact them.  To learn more or to donate to Disabled Resource Services, please visit the website.

Fort Collins office: Terry, 970-482-2700

Loveland office: Denise, 970-667-0816

If you know a senior who could benefit from one of these devices or has a basic need, please reach out and pass the information on.  We all need to do our share to make sure our seniors are cared for and able to stay in the home they choose.  

If you know of a senior who needs to downsize or has passed, please reach out to me for resources.

Margaret @ Turnkeyrealtyco.com

Patio Home In Secure Neighborhood

Patio homes in secure neighborhoods are hard to come by in Colorado.  The sought after neighborhood of Four Seasons, in Fort Collins, is the perfect location for you or mom, and this one is for sale!! 

Mature trees adorn the neighborhood making for a warm inviting entrance.  It is a community in a community where your neighbors look out for each other.  Some of the owners have a monthly social gathering and visit often. 

900 Arbor Ave #6, Fort Collins, CO  $388,500

900 Arbor Ave #6, Fort Collins, CO  80526

The home features include:

• main floor master bedroom
• main floor laundry
• a newly remodeled kitchen
• a second bedroom on the main level for guests or an office
• a fully finished basement with recreation room, 3/4 bath, and a third bedroom
• newly poured fenced-in patio for your animals and privacy
• newly poured and driveway with rebar
• roof if 2 years old
• newer stainless steel appliances - even washer/dryer
• exterior paint is 2 years old
• Central air

The living room has vaulted ceilings and a door that leads to the patio.  Warm your bones with the cozy gas fireplace that can heat the room up in a hurry.  

The kitchen is a galley kitchen with enough room for a small table.  You can enjoy the south windows and watch the birds while you have your morning coffee.  The pantry has added pull-outs which make it easier to get to those foods that are in the back.   There is an additional pantry area for larger items such as mixer, paper items, etc.

What better way to spend your day than in this new kitchen.  It has new flooring, sink, faucet, back-splash, counters, lighting, and appliances. 

If you are interested in a showing, please call Margaret at 970-672-6069 - Turn Key Realty
margaret@turnkeyrealtyco.com

https://cutt.ly/Swdswqc

Your Senior Resource

How to Help Seniors Declutter

Your senior will have accumulated a lifetime of belongings - some pieces stir deep memories while others don’t but they want to keep them.  There is a theory called the "endowment effect" that suggests we place more value on items once we claim ownership of them.  So all the things you "own" have more value to you and it is harder to get rid of.  To help Seniors, or anyone, for that matter declutter, here are a few tips.

Mobility 

Reducing clutter can create more space and reduce the probability of dangerous falls, or tripping incidents that lead to a loss of mobility. In other cases, decluttering can be helpful to you if you are experiencing limited mobility allowing for easier movement throughout the home. This is one way to let seniors know why they are "decluttering".  

Be Empathetic

Seniors are especially fond of items they have collected over time, again the "endowment effect".  It is hard for them to know that they are parting with the past and that a change is coming.  Be patient and keep the senior involved with the process.  Make sure that the care and concern for their wellbeing are being prioritized. 

Create Four Categories 

• Sale
• Donate/gift
• Discard
• Create a room/space for paperwork or items you need to go through
• Discard any worn bedding, clothing, or towels

Take One Room At A Time

By decluttering room-by-room, this can make the task less daunting, especially with a uniform process for each room.  You might consider starting with a room that is less cluttered.  You and the senior will see more progress and the next room will seem less overwhelming to them.

• Use boxes, bags, or baskets for sorting items
• Be sure to donate or sell clothing you have not worn in the past year
• Any items in a storage unit should be discarded or sold

How To Determine If An Item Is Valuable

• Check for distinctive markings
• Research items similarly made online
• Research the artist or manufacturer who created the item
• If you aren't sure, consult an expert

This is a time in seniors lives when they might possibly need some counseling.  Don't hesitate to bring in an Elder Therapist to help with the transition.  The Office On Aging in Larimer County is a great resource for help.

The Seniors Who Don't Want To Die

I recently went on a road trip with my husband.  It occurred to me, after visiting Mesa Verde National Park, that seniors don't want to die.  There were seniors with their grandchildren, seniors traveling with friends, seniors laughing, and some were traveling with other couples. There were a lot of them at each spot we went to.  They don't want to work themselves to death anymore but enjoy their surroundings with others or partners.  They were friendly, adventurous, and had zest in their step.  They might not be up all night but they were definitely active.

Senior life has it's advantages since everything is not centered around making money and working.  It's a time to strategize what's next.  You worked hard all your life.  Now what? Downsize from your large home?  Get into the best shape of your life? Volunteer? Travel? Relax? Do it all?

https://www.du.edu/specpro/otherprograms/senioraudit/

As more baby boomers retire, the real estate industry, as well as other industries, have been gearing toward this group of people's desire to enjoy life.  There are senior tours, clubs, cruises, card and game groups, volunteering seniors, senior activities, foodies, and those that want to
learn something new, etc.  What a passion this segment of life has for life.  "The seniors that don't want to die".

If you look into the Loveland CO senior housing area, there is 55+ living at Lakeshore at Centerra,

Affinity at Loveland, West Lake Village, Victoria Mannor, and patio homes in and around Loveland like Radiant Dr and in Marianna Butte.  These homes offer a community where you don't take care of maintenance or minimal amounts, activities are offered, social gatherings, gyms, etc.  With this type of housing, seniors are able to leave their homes without worry for an extended time.  Neighbors watch out for each other, the lawn care people mow the law, the watering is on a timer, the kids are gone and you are left to enjoy yourself until YOU decide to go home.  If you want more information on downsizing or patio homes, call me.

It's amazing to me the power this age group has influenced our society every ten years of their life. The baby boomers have changed the way we buy, the way we socialize, the way we eat, the way we spend our days.  And now, they don't want to lay down and die but be active, social, and a major contributor to their families, friends, and communities.

If you need something done - ask a senior.  They have the time and are willing to help.  They don't want to lay around and let life pass them by.

Why Create Powers of Attorney Documents

Why should a person create a power of attorney? 

The failure of an individual to create powers of attorney documents can render them helpless if and when they lose their ability to make decisions for themselves. In such cases, courts may appoint others to take control of the incapacitated individual's life, and the selected parties may not be who the affected individual wants in charge of their affairs. An Estate Planning Attorney can give a concerned individual more information about how to include powers of attorney in their estate plans.

What Are Powers of Attorney?

Power of Attorneys are the estate planning devices that individuals can use to give others the rights to take control of their affairs. When a person becomes incapacitated powers of attorney documents kick in and allow others to make health care decisions, financial choices, and take other action on their behalf. A power of attorney is in effect only as long as the principal is alive and it can only be enacted by a principal who is mentally competent. 

What Can A Power Of Attorney Do?

The Three Main Rolls of a Power of Attorney

• Making medical decisions on behalf of the principal
• Handling financial and legal matters on behalf of the principal
• Making decisions on behalf of someone who has lost their mental capacity

A power of attorney, while still a critical tool for managing the estate and affairs of incapacitated loved ones, has also evolved into a useful mechanism that allows individuals to grant authority to professionals with specialized skills, who can represent them in business, real estate, legal, and financial arenas that require specific knowledge the individual might not have. This allows people to level the playing field when it comes to dealing with larger institutions that have paid professional staff dedicated to acting on their behalf.

Most individuals don't like to think about it as something that may happen before they reach old age. The sense that death is something that only afflicts the elderly is a falsity, and young individuals may hurt their wealth if they do not make plans for how such assets will be managed when they are no longer able to do so on their own.

The best plan is to be pro-active.  Make it a priority to contact an attorney to help you with your future.  This could be a matter of doing it your way or having someone else make decisions for you.  

If you need help finding an attorney, please call me.  I have several I have worked with that I trust with my family matters.  Contact me at 970-672-6069 or margaret@turnkeyrealtyco.com