Page 6 . 50 Plus Marketplace News . Denver Metro . August 2010 Continued on page 19 How To Choose An Investment Advisor It does not matter if you are a be-ginner or have been investing for many years; it's never too early or too late to ask questions. It's al-most impossible to ask a dumb question about how you are in-vesting your money. Remem-ber, it is your money at stake. You are paying for the assis-tance of a financial professional. Before you hire any financial professional, you should know ex-actly what services you need, what services the professional can de-liver, and limitations on what they can recommend, what services you are paying for, how much those services cost, and how the adviser or planner gets paid. The Securi-ties and Exchange Commission encourages investors to thorough-ly evaluate the background of any financial professional before any hard- earned cash is handed over. When you ask these questions, write down the answers and what you decide to do. If something goes wrong, your notes can help to es-tablish what was said. Let your fi-nancial professional know you are taking notes. He or she will know you are a serious investor and may tell you more. Taking notes also sends a signal to your financial pro-fessional: I am a smart and serious investor who wants to know more about the risks and rewards of in-vesting. Ask. What experience do you have, especially with others in my circumstances? Where did you go to school? What is your recent employment history? What Elder Rights and Adult Protection Helen Davis licenses do you hold? Are you reg-istered with the SEC, a state agen-cy, or FINRA? What products and services do you offer? Can you only recommend a limited number of products or services to me? If so, why? How are you paid for your services? What is your usual hourly rate, flat fee, or commission? Have you very been disciplined by any government regulator for unethi-cal or improper conduct or been sued by a client who was not hap-py with the work you did? How long has your firm been in busi-ness? What training and experi-ence do you have? How long have you been in the business? What other firms have you been regis-tered with? What is your invest-ment philosophy? Describe your typical client. Can you provide me with some names and telephone numbers of your long term clients? How do you get paid? By commis-sion? Amount of assets you man-age? Another method? How fre-quently do I get statements? Do I understand what the statement tells me? Tip: Choosing the right in-vestment professional is very im-portant. Do not rush. Do a back-ground investigation by checking with FINRA's BrokerCheck web-site or calling 1- 800- 289- 9999. v The Colorado Coalition for El-der Rights and Adult Protection ( CCERAP) provided this infor-mation, adapted from the Finan-cial Industry Regulatory Authority ( FINRA) and the Securities and Ex-change Commission For more infor-mation about investment fraud, visit CCERAP's website: www. ccerap. org or contact Helen Davis, Coordinator, CCERAP, ccerap@ comcast. net or call 1- 800- 773- 1366. Individuals with vision loss can re-main self sufficient by using avail-able resources and learning new techniques to accomplish everyday tasks. Taking action helps to re-duce fears that may be experienced by anyone losing their vision. A free resource that helps peo-ple maintain independence and stay connected is the Audio In-formation Network of Colora-do ( AINC). The non- profit was founded in 1990 under its original name of Radio Reading Service of the Rockies ( RRSR). Its mission is to provide audio access to ink print materials not available to Colora-do's blind, visually impaired, and print disabled residents. Programming is broadcast 24 hours a day, seven days a week. Listeners have independent ac-cess to nearly 100 Colorado news-papers ( including 50 Plus Mar-ketplace News); grocery/ discount ads; magazines; and other local publications. All publications are read and recorded by volunteers. Rocky Mountain PBS broadcasts the reading on digital channel 6- 5 in this region. AINC provides pre-tuned receivers at no cost to lis-teners who would like to hear the broadcast but do not receive this channel. There are two telephone options - calling the office number to connect to the broadcast or for Audio Access Increases Independence Less Time Inside Means More Time Outside The sun is out and there are a thousands of things to do outside. The last thing you want to do is sit in traffic on your way to the So-cial Security of-fice, or to wait in line once you get there. You could spend a lot of ex-tra time taking care of Social Se-curity business. Or, you could choose to visit www. socialsecurity. gov and complete your Social Security business in a matter of minutes with no com-mute whatsoever. There are so many things you can do at our online office. For example, you can apply online for retirement benefits. Our website makes it simple, allowing you to apply for retirement benefits in as little as 15 minutes. In most cases, once you fill out the application, you're done. The direct link to ap-plying for benefits online is www. socialsecurity. gov/ applyonline. Not ready to retire yet, or not Social Security Today Mike Baksa sure? We have online resources that can help you plan ahead or make your decision. Our Retirement Es-timator allows you to enter differ-ent scenarios to find the best retire-ment plan for you. Find it at www. socialsecurity. gov/ estimator. You can apply online for Medi-care, if you're within four months of your 65th birthday. Most peo-ple, even those who don't plan to start getting retirement benefits, need to apply for Medicare cov-erage at age 65. The application takes about 10 minutes, from start to finish. Learn more at www. so-cialsecurity. gov/ pubs/ 10530. html. There are other things you can do online, such as apply for a re-placement Medicare card. You can learn about these and other online services at www. socialsecurity. gov/ onlineservices. So if you'd like to soak up some sun this summer, we suggest you take your Social Secu-rity business online. You may even be able to take your laptop outside and conduct your business in the great outdoors. See for yourself at www. socialsecurity. gov v Public Affairs Specialist Mike Baksa may be reached at michael. baksa@ ssa. gov.
. 50 Plus Marketplace News . Denver Metro . August 2010 . Page 7 Enjoy classic slot machine play with real coins and warm, friendly service where our team members treat you like part of our family! Must be 21. Management reserves all rights. See Golden Rewards center for details. Gambling Problem? Call 1- 800- 522- 4700. Across from the Mardi Gras! 9788- GCG Gulch MarketPlace Ad # 1. pdf 1 7/ 22/ 10 2: 44 PM Text and photos by Ron Stern Located at the three- way inter-section of art, culture and diver-sity, Santa Fe, New Mexico is one Southwestern destination that should be on everyone's vaca-tion map. This one- time home of Pueblo Indian villages is now both accessible and affordable for those seeking a cultural oasis that has re-tained its heritage, ambiance and historical charm. Considered to be the oldest cap- Santa Fe, NM ital city in America, Santa Fe has long attracted art and culture lov-ers. Georgia O'Keeffe was inspired by the natural lighting of the des-ert here and you can see many of her works at the museum in her name. Many other museums in the area, including the Poe Cultural Center and Museum, celebrate the traditions and culture of the an-cestral Pueblo of Pojoaque people through various artistic exhibits. With more than 200 individual galleries, this is a shopping Mec-ca, offering everything from fine art, Native American pottery and sculptures and locally made deli-cacies. On the historic main plaza, locals congregate along East Pal-ace Avenue, offering their beauti-ful hand- made silver and turquoise necklaces, bracelets and rings. We have bought several works of art here at what I would consider to be bargain prices. Santa Fe offers many accommo-dations from which to choose, from economy to luxury, and on this trip I stayed at the newly designed Hil-ton Santa Fe Golf Resort & Spa at Buffalo Thunder. Just a short 15 minute drive from downtown, this is Hilton's first Native American partnership- the resort is owned and operated by the Pueblo of Po-joaque. With 395 rooms, this 4- star re-sort features beautifully adorned suites, a full- service spa, a Hale Irwin- Bill Phillips designed golf course, a 13,000 sq. ft. retail shop-ping promenade, tennis courts, two pools, and a 61,000 sq. ft. casino that includes a non- smoking area. Room rates at the resort start as low as $ 139 and vary based on the season. Whether you are ready for an intimate weekend getaway or a longer family vacation, Santa Fe will both enchant you and beck-on you to return. American Eagle has made this an easy trip to take with three convenient daily flights connecting from Denver through Dallas- Ft. Worth. Resources: Hilton Santa Fe Golf Resort & Spa at Buffalo Thunder, www. buffalothunder. com. Santa Fe Convention and Visitors Bureau www. santafe. org. American Air-lines, www. aa. com Hilton Hotels, www. hilton. com. Affordable Shopping, Dining and Entertainment in the Historic Southwest