Health Care

Coping with Grief During the Holidays

The holiday season can be a difficult time for those who are grieving.  If you have lost a loved one, be gentle with yourself. Give yourself permission not to live up to others’ expectations for you (or the expectations and pressures you put on yourself), but listen to your heart and only do those things that feel right to you.

  • Plan to spend time with people you enjoy, and who can accept your sadness as well as your joy.
  • Know that it is okay to make your needs known to people. Those who care about you genuinely want to help but often aren’t sure how.
  • Some of the biggest problems people experience are due to a lack of understanding of how other family members feel.  Therefore, some people find it helpful to have a family meeting prior to the start of the holidays so that they can talk about and understand everyone’s needs, share ideas on how to approach this particular holiday season, and be prepared ahead of time.
  • Changing routines that have been part of your holidays but may seem too painful this year can be a help. However, try not to change everything. Instead seek to combine some old traditions with some new ones. Keeping a few traditions helps to preserve memories and continuity.
  • If social occasions and invitations seem overwhelming, try to handle them one at a time. You may feel like participating on some days, while others may seem too difficult. When invited to an event, ask to leave the invitation open so you can decide how you feel at the last minute and allow yourself to leave early if you find the event overwhelming.
  • Shopping will be easier if you make lists before you go. When you are having a “good day,” take out the list and go shopping. You’ll be able to accomplish much more in a shorter amount of time and with less uncertainty. You might also consider simpler shopping methods this year, such as ordering on line or from catalogues, or buying gift certificates.
  • Consider opening presents on a different day or at a different time; light a candle in memory of your loved one; observe a moment of silence before dinner; make a charitable donation in memory of your loved one; wrap a picture of your loved one or one of their cherished belongs and give it as a gift to another family member who shares your loss.
  • If you are trying to help children cope with a loss, remember that children need consistency to feel safe. If you plan to make some changes in routines, try to present these as something “fun” you’re going to be doing, instead of something that is not going to be happening this year.

Nate Lamkin, President
305 Carpenter Road
Fort Collins, CO 80525


The Importance of Operating Agreements

An operating agreement is one of a Limited Liability Company’s most important documents.  Although most states don’t legally require an operating agreement, all LLC’s should have one, particularly when there is more than one member.   Although different kinds of ventures will focus different topics in their agreements (LLC’s that own property vs. those that run a business for example) there are few key provisions that every operating agreement should cover.

First, you will want to cover the essential question of “who is in charge” and how decisions are made.  You may decide to have one general manager, or perhaps two co-managers or a committee.   Related to this issue is day-to-day management and authority over such things as hiring, firing, paying certain expenses and making other decisions.   

Secondly, how are profits and losses distributed?   According to your ownership interests or some different formula recognizing different resources each member may bring to the company.   Will the company make “guaranteed payments” of any kind?  These are like a salary and deducted from the profit of the company.   

Lastly, will there be any restrictions or rules around how members can either resign from the company, sell their interests, require the other members to buy them out or situations such as death, divorce or bankruptcy of the members?   These situations can all create difficult questions.   Sometimes members’ interests change, relationships sour and/or there are disagreements about how to run the company, invest resources or treat employees.   The death of a key member may mean that member’s spouse or child now is an owner.   It is important to discuss these matters and decide ahead of time how these situations will be handled and create a road-map to follow.

When you are excited about your new venture – thinking about and discussing these matters can seem difficult – but it is critical to be thoughtful and intentional in including these issues in a well-drafted operating agreement.

Timothy P. Brynteson
Otis & Bedingfield, LLC
2725 Rocky Mountain Avenue
Loveland, Colorado 80538
(970) 663-7300

Health Care

Poudre Infusion Therapy – Serving Northern Colorado

We are locally owned and operated by Columbine Health Systems providing infusion services to patient’s in Northern Colorado.

We have six private infusion suites in Fort Collins and Windsor.  Two are located on the Columbine Health Systems’ Fort Collins Campus at Shields and Drake.  Two at the Health and Medical Building on the CSU Campus at Prospect and College and two in Windsor in the Associates and Family Medicine Building on Highway 392.

Additionally, we provide infusion services to patients in their homes.  We provide education and nursing care for those who can self-administer the infusion.  We also work with the patient to help them become competent to self-administer.

We are accredited with ACHC-Accreditation Commission of Health Care.  Our commitment is to provide the highest quality of health care in the most appropriate setting for the patient’s infusion needs.

We provide the following services for home infusion therapy:

  • Education and teaching on self-administration of intravenous antibiotics or antivirals
  • Pharmacy and Nursing support 24 hours a day, 7 days a week
  • Written and verbal information about the prescribed medication, how to use the pump, and what to expect with the infusion
  • When to expect deliveries and what costs are covered by insurance

What is an Ambulatory Infusion Suite?

A setting where the clinical care, ordered by a physician, is managed and performed by RNs and registered pharmacists who are highly skilled in the provision of infusion and specialty drug administration.  This site of care is very cost-effective compared to Outpatient Infusion.

What makes Poudre Infusion Therapy different than Outpatient Infusion?

  • More Cost Effective
  • Quicker timeliness of the infusion
  • One-on-one infusion care by the nurse
  • Consultation by the on-site pharmacist
  • Private suites offer:
  • Wireless Internet
  • Cable TV
  • Quiet and relaxing setting for the patient’s infusions
  • Snacks, sodas, and bottled water

Rebecca Nemechek, RPh
Poudre Infusion Therapy
915 Centre Avenue, Suite 3
Fort Collins, CO 80526


Businesses Warned to be Wary of Business Email Compromise Practices

Scammers rely on busy work days and busy bosses when they blast off emails, hoping to bilk businesses and other organizations out of everything from gift cards to cash.

Since 2016, the emails, known as business email compromise (BEC), have resulted in the loss of $3 billion, an attempted $23 billion and, according to the Federal Bureau of Investigations, more loss than any other type of fraud in the U.S.

BEC is an email phishing scam that typically targets employees who pay bills in businesses, government and nonprofit organizations. The emails, crafted to look legitimate and from a reliable source, direct them to send money to bank accounts for administrators, partners, customers, employees or home buyers that actually lands in an account controlled by the scammer.

The scam is such an ordeal that the Better Business Bureau has conducted a special investigative study, “Is That Email Really From ‘The Boss?’ The Explosion of Business Email Compromise (BEC) Scams,” released earlier this month. 

The 12-page study defines the components of BEC scams and describes how they work and the primary entities carrying them out. It outlines how businesses and organizations can avoid scams and respond when one occurs. And it includes several pullout boxes with stories from a chief executive officer, realtor and local business.

As stated in the study, BEC fraud is a serious problem, tripling over the last three years and seeing a 50 percent increase in the first three months of this year compared with the same time period in 2017. To put it in perspective, 80 percent of businesses received at least one of these emails in 2018. The success rate, though, is low—Agari, an email security solutions provider, reports it as once for every 300 attempts, but money still can be made.

To thwart scammers, businesses need to improve internet security and increase general awareness. They are advised to invest in IT precautions and cybersecurity to prevent phishing emails and train staff on how to recognize and avoid responding to them.

The BBB study provides several recommendations, including:

  • IT and Technical Precautions: Require multifactor authentication, such as sending a text message with a log-in code. Change email settings to flag emails with warnings when they come from outside an organization. And limit the number of incorrect logins before an administrator needs to be contacted.
  • Culture/Training: Confirm requests by phone or in person before sending money or following through with a transaction, but simply confirming through email or text is not enough. Verify changes in customer, employee and vendor information that fraudsters may have altered to be able to engage in criminal behavior.
  • Insurance/Malpractice: Purchase cyber insurance, though most policies exclude coverage for social engineering losses. Riders that cover social engineering are available at an extra cost.

Shelley Polansky
Better Business Bureau Serving Northern Colorado and Wyoming
p: 970-484-1348
f:  970-221-1239

Payroll & Workforce Services

Questions to Ask When Choosing a Payroll Provider

As a small business owner you want a confident relationship with your payroll provider. In order to build a successful team, it is crucial that you trust your providers and partners. When evaluating a provider there is more than price to consider; after all, your company’s funds and private information is in their hands.

Here are some questions to ask to help ensure you make the correct choice:

  • Ask to see their cyber insurance policy and professional liability policy.
  • Inquire to what steps are taken to make sure information is secured? Ask to see their Security Plan.
  • Do they use secure communication online with clients and is two-factor authentication enabled?
  • How often do they reconcile the payroll bank accounts? Is there an outside audit?
  • Will someone be dedicated to your account? Or will you be placed in a queue and then given open tickets when you have a question?

Once you have selected a provider and your payroll is set up, ask them to show you how to verify that taxes are being paid and that you are registered with the IRS and state tax agents.

Outsourcing payroll services is a good business decision; however, do perform your due diligence beforehand to find the best provider. Take the time to interview the company thoroughly, ask for opinions of fellow business owners and check online reputations.

Payroll Vault fosters a franchise-wide environment of protecting the information and finances of its clients and their employees. As always, don’t hesitate to reach out to any Payroll Vault office with questions.

Zane Glover
(970) 924-1011
Payroll Vault – Fort Collins
325 Cherry St, Ste #112
Fort Collins, CO 80521