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Offered by Jan Hepp-Struck, Hepp Realty

Welcome to 2018! First and foremost, I want to wish everyone a prosperous and joy-filled year!

2017 has been so incredibly full of amazing blessings in my life, but also not without its challenges and sadness. I’m once again reminded that there’s no better time to bless and release the troubles, to celebrate the goodness, to hold close our loved ones and friends, and to remember with fondness those who are forever in our hearts though gone from this world. It seems I say this every year, but it’s true… I am so grateful to be blessed with such wonderful family, friends, clients, and coworkers.

So what’s on the real estate horizon for 2018… according to realtor.com®’s 2018 National Housing Forecast report, home shoppers may have it easier in 2018. Inventory constraints of for-sale homes and rising home prices may finally start to ease a bit. The National Association of Realtors (NAR) is also forecasting that home prices will slow to a 3.2% growth (national average) in 2018 as compared to 5.5% in 2017. The majority of the slowing price appreciation is expected in the higher-priced ranges as more inventory becomes available. The flip side of that is that we are likely to continue seeing price gains on entry-level homes due to a combination of a larger potential buyer pool and more limited number of homes available for sale in this price range.

Closer to home, NAR’s 2018 forecast drops the Denver metro area a few spots to rank 16th overall out of the top 100 metro areas for projected sales growth (1.75%) and price growth (6.54%). The only other Colorado metro area to make the list is Colorado Springs, coming in 8th with a projected sales growth of 3.12% and a price growth of 5.65%. Of course there is also the recent tax legislation to add into the equation, which creates a bit of a wild card situation. So only time will tell how homeowners and investors are impacted and how the market will respond.

For proven expertise in establishing your home value and/or searching for a new or existing home, please call Jan at: 303.520.4340

Click here to view Hepp Realty on The Brighton Buzz Business Directory

Hepp Realty | Brighton Real Estate

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Offered by Dolan & Associates, P.C.

We tend to reaffirm the things we know we need to get done by making resolutions for the new year. Unfortunately, we often resolve to do the things we know we should do, and then do other things. Luckily there are some things on which we can procrastinate and not have to suffer the consequences! For example, estate planning.

Procrastinating on your estate plan can result in your family spending large amounts of your hard-earned wealth in order to take care of you if you become incapacitated late in life. However, it won’t bother you; you’re incapacitated! If things are a complete mess after your death, and as a result your children and other family members never speak to each other again, it won’t bother you; you’re dead! If large amounts of your estate are used up in unnecessary fees and costs after your death, it won’t bother you; you’re dead! If you wanted your children to share equally in your estate, but instead a large portion went to only one child, it won’t bother you; you’re dead!

While these things won’t bother you after you’re disabled or you’re dead, if they bother you now, why are you resolving to worry about them for another 365 days? Do something about it!

We are confident that taking the time to do your estate planning won’t make you die any sooner, and we are confident it won’t make you live any longer. But we do know for certain that a properly designed and implemented estate plan will make life a whole lot easier on your family, both emotionally and financially. So instead of making an empty resolution, why don’t you take the action necessary to get your estate plan in order. Call it a gift to your family.

If you would like to learn more about an alternative estate planning process that is producing great results for families, please visit us on line at: www.EstatePlansThatWork.com to sign up for a complementary educational workshop.

Click here to view Dolan & Associates on The Brighton Buzz Business Directory

Dolan & Associates | Estate Plans

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Offered by Melissa Rippy – Rippy Insurance Agency / Allstate

If you missed the 22nd Annual Festival of Lights Parade, you missed out on a wonderful tradition in the City of Brighton! I was honored to be nominated and later named the 2017-2018 Citizen of the Year by the Greater Brighton Chamber of Commerce and asked to serve as the Grand Marshal for the parade. This award was sponsored by the City of Brighton. I hope you also got to see the Rippy Agency Jeeps in the parade, which included R2-D2, Yoda and Darth Vader!

With a new year comes new dreams, maybe a new home or a new car. Maybe you are adding a child to your family or you have lost someone recently. Perhaps you have recently remodeled your home or replaced your roof but have not updated your homeowner policy to ensure the replacement cost is adequate for your home in the event of a total loss.

It’s always a great time to make sure you have the right coverage before a loss occurs and it’s too late, but the new year is a great time to review your policies to ensure that your coverage is adequate for your needs, you are maximizing discounts and that your assets are not exposed. Email your declarations page of your current policy over to melissarippy@allstate.com and for every quote, you are entered to win a $100 Visa Gift Card.

The Rippy Agency is locally owned and operated and has been since 2013. We offer over 30 years of insurance experience combined and are here to help you manage every day risk. Call or stop by M-F from 8:30am to 5:30pm or on Saturday from 9:00am – 1:00pm.

Happy New Year
Click here to view Melissa Rippy, Rippy Insurance on The Brighton Buzz Business Directory

Melissa Rippy, Rippy Insurance

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Offered by Arlene Castro, iGo Realty

Two simple January projects designed to protect your home and your family. If you’re a home-owner, resolve to make 2018 a safer year by performing a few simple tasks. Here are two important projects to consider this month:

Smoke and Carbon Monoxide Detectors
According to the National Fire Protection Agency, almost two thirds of home fire deaths resulted from fires in homes with no smoke alarms or no working smoke alarms. If you already have these devices, start off the New Year with fresh batteries. If you don’t have smoke and carbon monoxide detectors, stop by the local hardware store and purchase what you need. They just might be the best investment you’ll ever make in your home’s safety.

Create a Personal Home Inventory
From floods to fires, burglary to tornadoes, having a photographic inventory of your possessions will help provide proof of personal property loss, and lessen the emotional strain of dealing with the insurance paperwork afterwards. At the very least, walk through your home, room-by-room, and take photos of everything. Open drawers and photograph everything inside. Then make a couple of copies on either a CD or thumb drive. For safety’s sake, store your copies outside of your home. However, if you really want to do it right, fill out an on-line Home Inventory form. The Insurance Information Institute offers inventory software you can download for free at knowyourstuff.org

Fun Facts: New Years Around the World
Parties aside, the New Year typically brings hope for a more prosperous and happy 365 days. Here are also some fun facts and trivia associated with the celebration:

  • The top three places to celebrate New Year’s Eve are Las Vegas, Disney World and of course, New York City.
  • In Italy, people wear red underwear on New Year’s Day to bring good luck all year long.
  • In Spain, if you can manage to stuff 12 grapes in your mouth at midnight you’ve achieved good luck for the next year.
  • In some South American countries wearing colored underwear will determine your fate for the new year. Red underwear means you’ll find love. Gold means wealth, and white signifies peace.
  • In Japan they ring all of their bells 108 times in alignment with the Buddhist belief that this brings cleanness. It’s also considered good to be smiling going into the New Year as it supposedly brings good luck.
  • Forty five percent of Americans make New Year’s resolutions. The top 10 resolutions are usually to lose weight, eat more healthy, exercise more, stop smoking, stick to a budget, save money, get more organized, be more patient, find a better job and just be a better person overall. Unfortunately, twenty five percent give up on their resolutions in the first two weeks! So whatever you decide to do in the New Year make it fun and be grateful for what you have!

Resolutions
Click here to view i Go Realty on The Brighton Buzz Business Directory

i Go Realty

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Offered by Thollot Jewelers

The holidays are amazing for so many reasons, but they can sure get expensive! Thollot Jewelers wants to help you pay off your holiday bills by paying you top dollar for your unwanted gold and diamonds, during their Trade In or Trade Up Gold Buying Event, January 11th – 13th.

If you don’t need the cash, but still have old, unwanted or out-of-style jewelry, they will give you an additional 20% to trade it in for something new! Whether you have your eyes on a designer piece or want to design something custom and uniquely you, Thollot Jewelers will help you find the perfect jewelry for your style.

When it comes to selling your gold, diamonds and unwanted jewelry, the most important thing to consider is who you are selling it to. You want to ensure that they are trustworthy, honest and fair. The Thollot Jewelers family is that and more. From the moment you walk through the door, you will feel the difference and understand why everyone refers to them as the area’s true Colorado Jeweler.

“You Had Me at Thollot!”

Thollot Jewelers
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Thollot-Jewelry

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Offered by Willy Strohmeier – Colorado Karate Club

It was a cool Saturday morning in March 1989, life in Lima, the capital of Peru, was strained. The economy was in shambles, with food, water, and fuel shortages. Crime was rampant everywhere, especially home break-ins. In our neighborhood, there used to be a young man probably in his early 20’s, that would simply hang around without much to do. Naturally, my mom was distrustful of such a character and would call him “El Vago”, which translated means the bum, or the vagrant. She used to warn us about “el vago”, “he is up to no good”, she used to tell us. So that’s how we knew him, and we indeed kept an eye out for him.

That day, my mom, my two brothers and I were home while my dad was at work. One of my brothers noticed from the backyard a pile of smoke coming out of a second floor window. We all ran up to find flames bursting out of a closet, and in the blink of an eye the entire second floor was enveloped in a thick black smoke. We called the fire department, and my mom ran out the door yelling for help.
A host of neighbors ran in, and assembled a makeshift fire fighting brigade. Also, running in, but stopping by the door, “el vago” put his hand on my mom’s shoulder and said to her: “ Señora, no se preocupe, yo le voy a salvar su casa” (Ma’am don’t you worry, I will save your house). He ran in with the rest of the volunteers, strapped his wetted t-shirt around his face and climbed the ladder set outside the second floor window, bucket in hand.

Without water pressure, it was bucket after bucket, hand to hand, up the ladder and dumped blindly into the smoke through the bedroom window. After about three hours of water buckets, the flames subsided, the smoke slowly lifted, and the folks left without fanfare but with our deepest thanks and gratitude.

Fortunately our home was made of brick and concrete, so the structure held, although everything on the second floor was a complete loss. It was a tragic day, one of our dogs died from smoke inhalation and we had no insurance, so our financial losses were substantial. But the one thing I remember was this young man we didn’t really know – and had derided for so long – coming in and helping us in our hour of need.

I think about this event quite often, and what stays with me is not the loss, but the lesson. Realizing how many people we can summarily dismiss either because of our own preconceptions or for some apparent personality flaw of theirs; and then, coming to understand that most folks need only the right mentor, an opportunity, and self-confidence in order to shine.

Through this experience, and many years as a Martial Arts instructor, I have learned to look beyond the surface, to help realize a student’s – sometimes hidden – potential. In fact, the most difficult task can be having them see, the same potential I find in them. My job, I figure, is simply to allow them to flourish, to allow them to believe in themselves, as I believe in them. To be the one who sees them beyond their own expectations.

So I ask the same of you, is there someone you could mentor, someone who just needs you to believe in them? To give them an opportunity? Can you look beyond the obvious? Go ahead, take the chance. More often than not, you will be amazed at what you find. I sure hope that, unlike with me, it doesn’t take a fire to have them prove you wrong.

Oh, and in case you were wondering, the fire truck did arrive… (in Peruvian time) three and a half hours late.

Colorado Karate Club

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Offered by Susan Kline

Susan KlineWelcome 2018! As we go into every new year, most of us think of how to make ourselves and our lives better by resolving to do things in a different way. The month of January progresses and the early – on introspection works its way into the schedule with all of the things that keep us from becoming a new and improved version of ourselves. That eager participation toward resolutions turns into a “I’ll get to that right after I finish what I’m doing.” I’ve thought a lot about whether it’s important to try to transform ourselves or if “making ourselves a priority” is the resolution most needed to create a new chapter in the coming year.

It’s possible to feel real joy when making balance in our lives a priority on a more regular basis. That balance could take the look of exercising more, watching what we eat, reading that book that’s now collecting dust, learning something new, or beginning to turn a long held dream into a reality. How exciting it is to think that you’re really in control of your life! My thought is that we don’t have to become a “New You” to discover happiness. By allowing ourselves the time in the coming year to do the things that make us healthier and feel more fulfilled, we’ve achieved that all important balance that brings meaning to our lives.

Happy New YearWe’ve tried to cover many of the areas in this January 2018 issue that would give you resources to begin to enjoy this coming year. Please read through all the advertisements, articles, events, and possibilities for the coming month. A long with this valuable information is a quote that caught my interest to help us create a backdrop for channeling new thoughts and activities. We hope you enjoy it!

Susan

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Offered by Joel Hartl M.D., Brighton Pediatrics

Brighton Pediatrics | TicsTics are surprisingly common, occurring in up to 24% of first and second graders. Tics are repetitive, rapid involuntary movements or vocalizations that are usually fairly easy to distinguish from other types of movement disorders. The most common tics are eye blinking, neck twisting, shoulder shrugging, grimacing, coughing, throat clearing and sniffing. The onset of tics is most common around 6-7 years of age. There is usually no obvious trigger. Most tics are mild and transient, resolving within a few weeks. Sometimes one tic will disappear only to be replaced by another. Tics are often initially mistaken for allergic symptoms, vision problems, or respiratory illnesses.

Sometimes tics can become more chronic. Chronic tics often peak between 10 and 12 years of age and usually resolve by the late teenage years. Tourette syndrome is a more severe form of tic with a combination of involuntary movements and vocalizations. Most tics, however, are fleeting and minor.

Children are often unaware of their tics, but they sometimes may be aware of an urge to perform the tic before it occurs. It may be possible, with considerable effort, to suppress the tic, but only temporarily. Anxiety, stress and excitement may all aggravate tics. It is important to make sure that children with tics do not suffer criticism, teasing or bullying, which will only make the tics worse.
Medications are only rarely indicated, and only for tics that are unusually severe, persistent, and disabling. For most tics, the possible side effects of effective medications outweigh the benefits. The most important response to tics is to be accepting of the child and the tic. It may also be helpful to watch for possible stresses that aggravate the tic and to work together with the child to try to reduce stresses when possible.

For more information, please visit: www.brightonpeds.com

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Brighton Pediatrics

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Offered by Dr. Ian Paisley, Bromley Park Dental

Ever visited a dentist for the first time and felt overwhelmed by the extent and/or cost of a proposed treatment plan? Sure, it may have been a few years since your last visit, but how could so much have happened in your mouth?

At Bromley Park Dental, we take pride in the fact that we strive hard to give our patients options when it comes to their dental treatment. We take a conservative approach to diagnosing dental problems and focus our efforts on prevention of cavities and gum disease. Now of course there are times when there is a need for dental treatment. Here is where providing options to our patients is really great because there is usually more than one way to solve a dental problem.

We take time to discuss these options with patients thoroughly so you truly feel like a part of the decision-making process. Then, if treatment is necessary, we provide excellent financing options especially for the more involved treatment plans that arise. We have found that by taking these steps it significantly reduces fear, anxiety and frustration for our new patients. So, if this sounds like you, I happily invite you to come in and see us. You won’t be disappointed.

Bromley Park Dental

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Bromley Park Dental

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Offered by Jan Giuliano, Academy Mortgage – The Giuliano Team

So what’s your tradition? Do have one? Two? A few? If you don’t have any it’s a great time to start one. My granddaughter refers to my younger years as the “old days.” Back then some of my family would still be at the house around 7PM in the evening. We ate early so my mom would put out cheese, crackers, fruit, and the holiday cookies to snack on. Some would watch sports, and some would play board games. My favorite was the marble game, where you rolled the dice and moved your marbles from the starting point around the board and back home. But any opponent could send your marble home to start over. The first person to get all six marbles home, won the game! I just loved hearing all the old stories and making plans for the New Year.

From everyone at Academy Mortgage, we thank you for a wonderful year. When I look back, I think of all the great people we have met and helped achieve their home-buying dream. Thank you all for sharing that opportunity; it means the world to us. Even after the closing is over we continue to stay in touch providing resources and continued support. Our wish is that more families will have that opportunity come 2018. Please enjoy the holiday season and may you be blessed with joy, health, prosperity and love. Give us a call! Frank 303.450.1650, Jan 720.634.2409 or Mitch a call at 720.634.2410.

The Giuliano Team

Click here to view The Giuliano Team at Academy Mortgage Corporation on The Brighton Buzz Business Directory

The Giuliano Team at Academy Mortgage Corporation