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2 • November 2009 • The Senior Voice
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The Senior Voice • November 2009 • 5
Famous Bronc
from Greeley
Investment Costs
By Scott Burns
Financial Writer
variable annuity and the expense
ratios on your stock and bond mutual
Alaska 2010
funds. This will still be incomplete
Book with the expert, Sylvia Mucklow, over 75 times to Alaska!
Q: I have been trying to determine my since it won’t include the commis- 7-DAY NORTHBOUND ALASKA CRUISE
sions or house spreads on your bond May 31, 2010. Aboard the Island Princess.
portfolio’s expenses without success. I CRUISE FARE ONLY: INSIDE (JJ) $549 • BALCONY (BD) $1,299
have a variable annuity with four and CD purchases. Nor will it include
mutual funds. I also have six stock his management fee if there is one. 13-DAY ALASKA WILDERNESS/COPPER RIVER CRUISE & TOUR
funds, a couple of bond funds, corpo- Asking these questions isn’t rude. May 31, 2010. Aboard the Island Princess.
rate bonds, a CD and a few corporate It’s essential. 7 day NB cruise and 6 nt land tour featuring 2 nts. Copper River,
A second question you should ask 2 nts. Denali, 1 nt Anchorage, 1 nt McKinley Princess Lodge.
stocks. All are managed by a broker TOUR FARE: INSIDE (JJ) $1,787 • OUTSIDE (G) $2,807
who makes recommendations, is what the return on your account has
handles transactions and provides an been over the trailing 12 months and 7-DAYS ALASKA CRUISE
income check each month. 36 months. This should include May 23, 2010. Aboard the Sapphire Princess. Inside passage.
There are fees, management adding back in any withdrawals you PRICE FROM FC: INSIDE (J) $1,099 • OUTSIDE (F) $1,199
expenses, etc., associated with each have made, expressed as a percentage
entity within the portfolio and a of the account value. You can then ask ALASKA & EUROPE PRINCESS CRUISE SALE 10/31-11/7/2009
management fee from the broker. How your account manager to compare his $100 deposit PP and $50 PP on board credit
can I discover all the various fees performance to a meaningful bench- on all Europe and Alaska cruise tours.
being levied on my portfolio mark. If he isn’t willing to do that,
your money is in the wrong place and
7-DAYS MEDITERRANEAN CRUISE
A: Sadly, there is no “Truth in October 20, 2010. Aboard the Ocean Princess.
Investing Expenses” law. Personally, you should move your account. Rt. Rome, Scorrento-Nice-Portofino-Florence-Barcelona.
I’d like to see a law that required ________________ CRUISE ONLY FARES: INSIDE (L) $1,099 • OUTSIDE (G) $1,099
every monthly statement to contain a Scott Burns is a longtime financial 7-DAY MEXICO CRUISE
total of all expenses as a percent of researcher and writer for The Dallas January 16, 2010. Aboard the Sapphire Princess.
assets in the account. Morning News and other papers. PRICE FROM FC: INSIDE (M) $899 • OUTSIDE (G) $959
I suggest that you make a formal He answers some questions of BALCONY (BF) $1,169
request to your broker for a tally of general interest sent to: Princess Ship’s Registries — Bermuda & Gibraltar
the average annual expense for your scott@scottburns.com. ■ All rates are per person based on double occupancy and may change without notice.
Fares are cruise only unless listed from Fort Collins.
14-DAY RUSSIA WATERWAYS CRUISE & TOUR
July 29, 2010. Aboard the MS Tolstoy.
Airfare & port charges add’l. Book by November 30th for best price.
CRUISE & TOUR FARE FROM $3,040
16-DAYS SPLENDORS OF CHINA & THE GRAND YANGTZE
April 19, 2010. Limited space.
8 nts. deluxe hotels, 6 nts. Yangtze River, Victoria Prince ADB.
CRUISE/TOUR $3,299 • AIRFARE $1,206
*All fares are per person based on sailing date and space available.
970-484-5566
800-525-5306
516 S. College Ave. • Ft. Collins, CO 80524
rmtk@frii.com
Visit us at www.rkymtntravelking.us
8 • November 2009 • The Senior Voice
From October thru April, Stay 2 nights between Monday & Thursday and receive
1/2 OFF OF YOUR 2nd NIGHT, 15% OFF A SPA TREATMENT IN THE
HEALING WATERS SPA & 15% OFF AN ENTREE IN THE
SILVER SADDLE RESTAURANT!
Enjoy spending some time in our Hot Springs located in our beautiful courtyard, relax by our cozy
indoor/outdoor fireplace or have some fun playing games in our lounge or conference room
For more information or to book your stay, CALL 1 800 594 0178 EXT 4
*Must book 10 rooms or more to receive this special offer!
Saratoga Resort & Spa | 601 Pic Pike Rd | PO Box 869 | Saratoga, Wyoming 82331 | 1 800 594 0178 | www.saratogaresortandspa.com
The Senior Voice • November 2009 • 9
970-353-6886
“All of the staff at Kirk Eye Center are so kind
3650 East 15th Street and caring. They make me feel right at home
Loveland, Colorado and are the best at what they do. Thanks, Dr.
669-1107 Kirk. You gave me back my freedom.”
1122 9th St., Suite 203 • Greeley
w w w. K i r k E y e C e n t e r. c o m
10 • November 2009 • The Senior Voice
See Your Best... Las Vegas is very different from its origins.
By the late 1950s, Las Vegas the night and took up residence at
had a well established image of the Desert Inn, which became his
glamour and glitz, and a reputation home for the next four years. He
as “sin city” where anything goes. bought several of the hotels and
Famous entertainers worked there casinos, and even bought a TV
regularly, including Frank Sinatra station so he could watch his
and his “rat pack” consisting of favorite movies in his hotel room.
Joey Bishop, Sammy Davis, Jr., Since then, the once barren
Peter Lawford and Dean Martin. desert meadow has become the
In 1966, Howard Hughes entertainment capital of the world.
arrived in town in the middle of At least, that’s what it calls itself. ■
MEDICAL
SURGICAL
Eye Care Professionals ROUTINE EXAMS
CONTACT LENS
Sierra Coach Lines, Inc.
Jennifer Cecil, MD, LLC Black Hawk (970) 834-1153
669-8998 Colorado Central Station sierracoach@aol.com
Hotel & Casino
2902 Ginnala Drive Every Wed. & Sun.
Loveland, CO $20 per person (Roundtrip)
Across from the Post Office COMPLIMENTARY COFFEE & DONUTS
on 29th Street Departing Ault @ 7:00 AM • Departing Eaton @ 7:15 AM
Jennifer Cecil, MD
Board Certified Departing Greeley @ 8:00 AM • Departing Loveland @ 8:30 AM
www.cecil.yourmd.com
Ophthalmologist Please call for reservations.
Distinctive Eyewear • Local & Nationwide • Ski & Sporting Events
Optical Shop Brandy Morrow, OD
Group Charters
• Casino Packages
• Airport Transfers
• Wedding & Reunions
Contact Lens
669-2488 Specialist • School & Senior Groups
The Senior Voice • November 2009 • 11
The Worthington
I am now carrying Medicare
prescription drug coverage from :RUWKLQJWRQ&LUFOH
Humana®. Call me today to
)RUW&ROOLQV&2
See me about sign up or if you have questions
about what’s right for you.
MEDICARE
MaryM.
Mary M Biggers,
Biggers,Agent,
AgentLUTCF
1318 SS.College
CollegeAvenue
Avenue
Fort Collins,
Collins, CO
CO80524-4174
80524-4174
Bus: 970-493-9336
970-493-9336
PART D. mary@marybiggers.com
mary.biggers.b3pj@statefarm.com
columbine
cares for seniors
Humana Prescription Drug Plans are offered by Humana Insurance Company, Louisville, KY, which is financially responsible for these prod-
ucts. No member of the State Farm family of companies is financially responsible for these products. Humana Inc., Humana MarketPoint,
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State Farm Mutual Automobile Insurance Company • Bloomington, IL
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