1. Page 10 “Weekend Edition” Friday, Saturday & Sunday, November 7-9, 2014 The Chronicle-News Trinidad, Colorado
Post-season: Farmers vs. Caliche
TSJC soccer honored with
Player of the Week awards
EDWARD JONES FINANCIAL FOCUS
Prepare Far Ahead for Long-term Care Costs
This article was written by Edward Jones for use by your local Edward
Jones Financial Advisor.
Lori M. Hoffman
Financial Advisor
134 W. Main St. Suite 31
Trinidad, CO 81082
719-846-6301
www.edwardjones.com
Member SIPC
November is Long-Term Care Awareness
Month – a month dedicated to educating
the public about the need to prepare for the
potentially devastating costs of long-term
care. And the more you know about these
expenses, the better prepared you will be to
deal with them.
To begin with, just how expensive is long-term
care? Consider this: The average cost
for a private room in a nursing home is more
than $87,000 per year, according to the 2014
Cost of Care Survey produced by Genworth,
a financial-services company.
And the average cost of an assisted living
facility, which provides a level of care that is
not as extensive as that offered by a nursing
home, is $42,000 per year, according to the
same Genworth study. All long-term care
costs have risen steadily over the past several
years, with no indication that they will level
off.
Many people, when they think about long-term
care at all, believe that Medicare will
pay these costs — but that’s just not the case.
Typically, Medicare only covers a small
percentage of long-term care expenses, which
means you will have to take responsibility.
Of course, if you are fortunate, you may go
through life without ever needing to enter a
nursing home or an assisted living facility,
or even needing help from a home health-care
aide. But given the costs involved,
can you afford to jeopardize your financial
independence — or, even worse, impose a
potential burden on your grown children?
To prevent these events, you will need to
create a strategy to pay for long-term care
expenses — even if you never incur them.
Basically, you have two options: You could
self-insure or you could “transfer the risk” to
an insurer.
If you were going to self-insure, you would
need to set aside a considerable sum of
money, as indicated by the costs mentioned
above. And you would likely need to invest
a reasonably high percentage of this money
in growth-oriented investments. If you chose
this self-insurance route, but you never really
needed a significant amount of long-term
care, you could simply use the bulk of the
money for your normal living expenses
during retirement and earmark the remainder
for your estate. However, if did need many
years of nursing home care, you could end up
going through all your money.
As an alternative, you could transfer the risk
of paying for long-term care to an insurance
company. Many plans are available these
days, so, to find the choice that is appropriate
for your needs, you will want to consult
with a professional financial advisor. Here’s
a word of caution, though: The premiums
for this type of protection rise pretty rapidly
as you get older, so, if you are considering
adding this coverage, you may be better off
by acting sooner, rather than later.
None of us can know with certainty what the
future holds for us. Ideally, you will always
remain in good shape, both mentally and
physically, with the ability to take care of
yourself. But, as you’ve heard, it’s best to
“hope for the best, but plan for the worst.”
So, take the lessons of Long-Term Care
Awareness Month to heart and start preparing
yourself for every scenario.
... Continued from Page 1
downs. Along with fullback Seth Silver’s 1,100
yards rushing, the two-headed monster aver-ages
just South of 350 yards on the ground a
game, not too bad for one of the top running
back tandems in the state.
“We were a little rust at the beginning but
as the season dragged on we became better as
a team,” said Tyler Moltrer. “I think and be-lieve
if we play like we played against Sangre,
we can beat Caliche. We have to come out and
pop then first thing and keep our momentum
up. We have to go out there with the drive to
win. It should be a good game.”
Moltrer, who rushed for 370 yards and four
touchdowns in last Saturday’s win against
Sangre De Cristo, had one career carry for 85
yards prior to this season and was used main-ly
as a tight end, where he has 33 receptions
for 557 yards. He noted the tough transition
from tight end to running back, but was up for
the challenge when it was presented to him. “I
was used to getting the ball 7 times a game at
the most. Now I’m getting it almost every play.
I’m glad my coaches switched me to tail back.
Couldn’t be any where without my line and
my lead blocker Seth Silver,” he said.
Handing the ball off to Moltrer and Sil-ver
is junior quarterback, Tyson Montoya,
who up until this season completed just nine
passes for 303 yards and six touchdowns while
backing up Schafer. In his first full year at the
helm, Montoya has had a stellar season; com-pleting
50% of his passes for 1,037 yards and
10 touchdowns. His management of the game
against Sangre was almost flawless. “Tyson
has done a good job managing the game,” said
Dasko. “He does all the little things to make
the team better in practice and in the game.”
The Farmers rolled through the season
with only two losses in Springfield and Simla
for the Southern Conference Championship.
Just like the Farmers, both programs have
historically had success in the post season
over the years and faced off against each other
last weekend with Simla coming away with
the victory, setting up a date with another his-toric
Farmer foe in Norwood. If it is written
in the stars, the Farmers and the Cubs could
meet up again next week with a birth in the
state championship game on the line should
both teams come away with the win this week-end.
The Farmers can’t get too far ahead of
themselves, however as they get set to take on
the No. 2 Caliche Buffaloes in a rematch of last
year’s state semi final where the Buffs defeat-ed
the Farmers, 44-40.
“Caliche is Caliche,” said Dasko. “They
play hard and run the ball well and that is
what makes them good. In playoff football
teams are going to try and take away what you
do well. Against Sangre we did things defen-sively
to keep the game on one half of the field.
We forced them to throw the ball more than
they liked to. It’ll be different with Caliche.
They have a pretty athletic quarterback too.
They don’t attack the edges as much. They
like to run the ball between the tackles and
they throw more than Sangre did. We need
to play our game and be turnover free. If we
play as good as we did last week, we’ll be OK.”
The responsibility of stuffing the middle
will fall on junior, Chris Lujan, who just re-cently
found his calling as a linebacker in
Dasko’s defensive scheme. Lujan had five
solo tackles and two sacks against the high
powered Sangre de Cristo offense last week
and played a key part in the Farmers defen-sive
success, holding Thunderbirds dual
threat quarterback Kyle Beiriger in check
most of the game. “Chris is the strongest kid
on the team. We put him at linebacker for the
first time against Sangre and I think it’s safe
to say he’s our guy,” said Dasko.
The road this Farmer team took to get to
this point had its ups and downs. The success
they’ve had this season while in “rebuilding
mode” shows testament to the hard work and
dedication the players and coaching staff put
into the program year in and year out.
While this Farmer team may be different
than Farmer teams of the past, the message
remains the same: Give it your all, and don’t
ever give up. “We played two good playoff
teams in Springfield and Simla and we took a
lot out of those games. It showed against San-gre
when we fell behind 21-13 and we didn’t
give up. We performed well in the second half
and it really showed how much they’ve come
this year The boys grew up a lot that that
game. They got their first big win of the sea-son
and they left it all out there on the field.
The main thing is for the boys to go out there
and give it their all and leave everything they
got out on the field. If we can do that we will
be alright.”
Special to The Chronicle-News
Trinidad State Soccer was honored
with two national player of the week
awards for Week 11 (Oct. 27 - Nov. 2) of the
2014 Soccer Season.
Sophomore Jennifer Hastings and
Freshman Christian Rico (pictured right)
were chosen by the NJCAA for their out-standing
play in their playoff games this
past weekend. Jenn made three saves in
the first half against Western Nebraska
and then scored a goal in the second half.
Christian had 14 saves as the Trojans
shut out Otero and USU to claim the Re-gion
IX Title.
Sports
Adam Sperandio/The Chronicle-News
Hoehne running back Tyler Moltrer shows off his impressive speed and running abilities against
Sangre De Cristo Saturday afternoon in Mosca. Moltrer toted the rock 27 times for 370 yards and
four touchdowns.
Trojans take
Region IX title
By Mike Salbato
Correspondent
The Chronicle-News
In only their third year of existence the
Trojan men’s soccer team claimed the Region
IX title defeated defending champion Otero
3-0 to bring home the hardware. Trinidad
State is now set to play in the District Tour-nament
this weekend.
First Team All-Region forward Ricardo
Zacarias sent the Trojans into the title game
last weekend in Powell, Wyoming with a pen-alty
kick in the 85th minute against USU Col-lege
of Eastern Utah. Zacarias’ goal, the only
ball to find the net in the full 90 minutes, was
set up when Saad Hissein was pulled down
from behind in the box. The Trojans defense
tightened up for the last few minutes secur-ing
the victory.
In the championship against Otero, Julian
Padilla got the scoring going with a beautiful
left-footed free kick in the 27th minute. A few
minutes later Alan Garcia Pena used some
fancy footwork to get free at the top of the
box. His long left-footed blast found the net to
give TSJC a 2-0 lead at half time. In the 77th
minute Region IX MVP Oscar Rivero picked
up a rebound in the six and blasted it into the
net for the final score of the match. The Tro-jan
keepers, Christian Rico and Pedro Perez
have now combined for three playoff shut-outs,
combining for 13 saves in the title game.
The Trojans got more good news this week
as Rico was named the NJCAA Goalkeeper of
the Week for his brilliant play in the playoffs
so far.
The #6 Trojans (18-1-1) will next face #15
Phoenix College (17-6-0) in the district semi-final
on Friday at 4:30 p.m. A win Friday
afternoon will send TSJC to both the district
title game and the 2014 National Tournament.
The other semifinal will feature Pima Com-munity
College against Otero Junior College.
Photos courtesy of Mike Salbato / TSJC