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Offered by Dr. Jeffrey Poulson – Poulson Family Dental

April is oral cancer month so we want to take the opportunity to discuss some of the risks, myths and concerns regarding oral cancer. First, a few myths.

  • Myth #1: If I’ve never smoked, drank or have HPV, I’m not at risk for oral cancers.
    Truth: Approximately 25% of oral cancers develop in individuals who have never been exposed to these three risk factors.
  • Myth #2 Oral cancer only occurs in the elderly.
    Age does increase your risk for oral cancers but it can occur at any age and seems to be increasing in people under the age of 40.
  • Myth #3: There is no benefit to quitting alcohol or tobacco use.
    Thankfully, the risk of oral cancer is reduced for former smokers and the same is believed to be true of alcohol consumption. It may take years for your risk to decrease but it can! So, don’t put off quitting – every day you avoid these substances, you decrease your overall risk. Every exposure to alcohol or tobacco causes damage to cells. If healing fails, it can cause cancer. It’s best to decrease the need for your body to heal.

Next, what puts you at risk for oral cancer? There is no single risk factor that causes cancer. Oral cancers are significantly higher in individuals that are exposed to alcohol or tobacco in any form or method of delivery, especially if used in combination. Additionally, human papilloma virus (HPV) is a strong risk factor for developing oral cancers. A few other factors that have been linked to oral cancers are: smoking marijuana, having low fruit and vegetable intake and being male! Some people are concerned that oral cancers can be caused by missing or damaged teeth, poor oral hygiene or brushing habits, eating spicy or hot foods, dentures, crowns or bridges. Thankfully, none of these factors seem to increase your risk for oral cancers. Unfortunately though, people who live healthy, active lives that are never exposed to the top three risk factors can also develop oral cancer.

So now what? What can you do about it? Consistent visits to your dentist and dental hygienists allows for frequent visual scans for cancer. A good oral cancer screening done by professionals will include a visual look and manipulation of your neck, jaw, lips, cheeks, tongue and floor of the mouth. The most common place for oral cancers to occur is on the back sides of the tongue. So, when your dental professional has you stick your tongue out or uses a piece of gauze and pulls your tongue side to side, they are checking to make sure there are no funny lumps, bumps or spots on the side of your tongue. They look for changes in the four main things, known as the ABCDs: Asymmetry, Border, Color or Diameter. You are also your best advocate for your health. When you are brushing your teeth, applying makeup, washing your face or any other daily hygiene habits, pay attention. Look for the ABCDs: an asymmetrical spot, one that has an irregular border or getting thicker or harder, a change in color or multiple colors in one spot or an area that is getting bigger. If you notice anything, visit a professional and request an oral cancer screening. Hopefully it’ll be nothing! But, early diagnosis and treatment of oral cancers has roughly a 75% survival rate, whereas later stage diagnosis drops to 35% or less. Don’t be embarrassed to ask! It could make a dramatic difference to you and your family.

Click here to view Poulson Family Dental on The Brighton Buzz Business Directory

Poulson Family Dental

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Offered by Jan Hepp-Struck, Hepp Realty

From cars to electronics and appliances, we are used to purchasing things that come with some form of warranty. But what about when you purchase an existing home with appliances that are no longer under their individual warranties? Moving, in and of itself is generally expensive, and for many of us getting hit with the unexpected expense of major repairs to something not covered by homeowner’s insurance is not welcome.

A home warranty is basically a policy purchased, often times when closing on a home, to cover the cost of repairing home appliances, HVAC, plumbing or electrical systems should they break down. Home warranty policies generally run a few to several hundred dollars depending upon what items are covered and the extent of coverage.

While some companies offer home warranty policies at any stage of home ownership, purchasing one at the time of the real estate transaction will provide for the most comprehensive coverage and economical price points. In some cases, a home warranty can even be used as a buyer incentive by the seller who may offer to pay for the first year of coverage as part of the purchase negotiations.

Additionally, a home warranty policy can also be beneficial to a seller during the listing period, and in some cases may even be offered free to the seller by the company, in hopes that the buyer of the home will want to continue the coverage for at least that first year. As with any insurance type policy, it has the most appeal to those with the “better safe than sorry” approach to things.

For proven expertise in buying or selling a home, 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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Too often, it persuades investors to make questionable moves.
Offered by T. Lloyd Worth, Worth Financial Partners

Fear affects investors in two distinct ways. A bulletin, headline, or sustained economic/market trend can make them question their investing approach causing them to sell low now and buy high later – or worse, derail their whole investing/retirement strategy.

Alternatively, some may experience the fear of being too involved in the market. People with this worry are often superb savers, but reluctant investors, amassing large bank accounts, yet their aversion to investing in equities may hurt them in the long run.

Impulsive investment decisions tend to carry a cost. People who jump in and out of investment sectors or classes tend to pay a price for it. A statistic hints at how much: across the 20 years ending on December 31, 2015, the S&P 500 returned an average of 8.91% per year, but the average equity investor’s portfolio returned just 4.67% annually. Fixed-income investors also failed to beat a key benchmark: in this same period, the Barclays Aggregate Bond Index advanced an average of 5.34% a year, but the average fixed-income investor realized an annual return of only 0.51%.¹

Worth FinancialThis data was compiled by DALBAR, a highly respected investment research firm, which has studied the behavior of individual investors since the mid-1980s. The numbers partly reflect the behavior of the typical individual investor who loses patience and tries to time the market. A hypothetical “average” investor who merely bought and held, with an equity or fixed-income portfolio merely copying the components of the above benchmarks, would have been better off across those 20 years. In monetary terms, the sustained difference in performance could have meant a difference of hundreds of thousands of dollars in earnings for an investor across a lifetime, given compounding.¹

Other people are held back by their anxiety about investing. They become great savers – but they never sufficiently invest their money.

How much interest are their deposit accounts earning? Right now, almost nothing. If they invested more of the money into equities – or some kind of investment vehicle with the potential to outrun inflation – invested dollars could grow and compound over time.

A large emergency fund is great, but arguably, a tax-advantaged retirement fund of invested dollars is better. Seen one way, a focus on cash is financially nearsighted, ignoring the possibility that greater abundance is possible through sustained investment.

Fear dissuades some from sticking with a long-term financial strategy and discourages others from developing one. Patience and knowledge can help investors contend with the fears that may risk hurting their retirement saving prospects.

T. Lloyd Worth may be reached at (303) 558-0214 or email: Lloyd.Worth@LPL.com, www.WorthWealthManagement.com

This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. This information has been derived from sources believed to be accurate. Please note – investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and are not illustrative of any particular investment.

Securities and Advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA/SIPC (www.finra.org / www.sipc.org)

Citations.
¹ – zacksim.com/heres-investors-underperform-market/ [5/22/17]

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Worth Financial Partners

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Offered by Cheri Simmons – Simmons Shooting Academy

Overcoming Firearm PhobiaThere can be many reasons we fear guns. Lack of knowledge, no experience or a bad experience can all be contributing factors. So can TV, movies and the media. Girls who weren’t exposed to guns and firearm safety while growing up may find the idea of going to a gun range or taking a firearms safety course intimidating.

The best way to overcome a fear of guns is to start with a basic handgun or firearm safety class. A female instructor led Ladies Only class is a great environment to learn, ask questions and handle firearms and it’s perfect for easing new shooter anxiety. Finding other like-minded women to shoot with, compete with, and learn with is fun and empowering! Just learning that it’s ok to talk about guns is a game changer!

So, just breathe… A gun is just a tool. It’s an inanimate object that is neither good nor bad by itself. At the very least, you should know how to handle a firearm safely if there are firearms in your home. (Even if you decide you don’t like guns.) If you become proficient using it and practice regularly, you may have fun competing with it and it could very well save your life or the life of someone you love one day.

Respectfully Removing Fear, that’s my motto and promise.

Call Cheri today at 303-990-3644 to find out more about our “Ladies Only” intro to Guns Class.

Simmons Shooting Academy

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Simmons Shooting Academy

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Offered by Melissa Rippy, Allstate Rippy Insurance/Allstate

My mom and dad were married for 45 years and together fifty. In the days since he passed, Mom said that sunbeams remind her of my dad. She also came up with the name of the non-profit I am in the process of establishing in his memory, called “Ripbeams.”

On February 3rd, 2018, “Ripbeams” was born. The mission of Ripbeams is to collect handmade beanies, brand them with an orange Ripbeams label and tag (orange is the color of leukemia awareness) and give them to children with Leukemia to hopefully bring them some “Ripbeams” as a reminder to keep the faith along their journey. Each hat is unique, just like my dad.

Our beanie inventory went from zero to over 150 in just over 30 days of collecting them. A local knitting angel, Christi Burge, has made 68 of the beanies herself and another angel has hand sewn each orange Ripbeams label onto each beanie. Dave Thomas and the rest of his local group of woodworking angels, “Toys for God’s Kids”, recently created and donated 65 wooden cars to be given to the children. My dad’s birthday is March 22nd, and albeit one of the hardest things I have ever had to do in my life, it was an absolute honor to be able to pass out 65 beanies and cars on his birthday through the Children’s Hospital leukemia unit.

If you sew, knit or crochet, we are gratefully collecting them at the Rippy Agency six days a week. You can follow Ripbeams on-line at: www.facebook.com/ripbeams.

Ripbeams

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Melissa Rippy, Rippy Insurance

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Offered by Brian Holley – Farmers Insurance

There are many who look at insurance as nothing more than a requirement forced upon them by State Laws or mandated by banks and lending institutions who have an insurable interest in property which may be financed. To some, insurance is only an extra expense which must be paid, just like taxes.

I feel the people who have this attitude about insurance are extremely blessed indeed. Perhaps they may have never had a major misfortune in their life. Never had an automobile accident or been in a flood which destroyed their automobile or home. Hopefully they have not had a damaging wind or hailstorm which hurt their property. Or had a rampaging fire which destroyed not only their home, but also their new automobile in the garage. They are truly blessed.

I also realize how fortunate they are in their lives to have never lost a close loved one for whom they were responsible. Or experienced the death of a close family member who also may have been an income provider for the home.

However, our friends and neighbors who have been through such unfortunate events, as many of us have, are blessed as well. It is through struggles and trials we grow and learn more about ourselves and the world around us.

People who have been through catastrophic life experiences and were properly protected with the correct type of insurance have a deep and personal understanding of why it is important to invest in proper insurance coverage with a good company.

On the other hand, there are some who have been through these situations and unfortunately were not properly covered or did not have a reliable company.

Please email or call today so we may review your individual situation to be sure you and your family are properly protected. Let us be proud of our communities and help serve in any way we are able.

Click here to view Brian Holley, Farmers Insurance on The Brighton Buzz Business Directory

Farmers Insurance

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Offered by Dolan & Associates, P.C.

When Bill and Jane learned of Bill’s illness they sought legal advice. The lawyer they spoke with told them to put everything in joint tenancy, because “it is simple and avoids probate.” They weren’t comfortable with that advice and sought advice from a counseling-oriented attorney who took the time to learn more about them, their estate, and their goals. Bill’s primary objective was to protect Jane after he died. Under Bill’s plan, their savings, his life insurance, and the home would be put in trust. This would protect the assets for Jane and help Jane protect her own assets as well.

After Bill’s death, Jane began volunteer work to keep her mind off her loss and it became a fulfilling passion. She met David. They connected immediately, and she fell in love. He proposed. She accepted. Her family noticed that his focus suddenly turned toward a keen interest in her finances. Blindly in love, she did not.

Bill’s plan left his assets in trust for Jane. A requirement of receiving benefits was that upon remarriage she must obtain a prenuptial agreement protecting her assets. The assets Bill left her were protected, but she needed to take action to protect her own assets. David was enraged when she told him that she was required to have a prenuptial agreement to preserve the assets for her children. Realizing that half of the assets were held in trust, and that a prenuptial agreement would prevent him from receiving the balance upon her death, David lost interest in Jane. While Jane was sad, she also had a comforting feeling that Bill was still protecting her even after his death. Jane had wondered if the planning she and Bill had done was worth the effort. All doubts were now gone.

If you would like to learn more about an alternative estate planning process that is producing great results for families, please visit: 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 Raegan Clemens – Majestic Materials

Spring is here! Time to sweep the floors, clean out your closets, reorganize that pantry, amend your soil… The list goes on. While we do not clean houses, Majestic Materials can help you blend the perfect soil amendment for your landscaping and gardens. During the dry winter months, soil loses moisture and nutrients that keep your plants healthy. A healthy blend of amended soil can help keep your landscaping vibrant all-season long.

Before finding the perfect amendment ratio, we need to determine what type of soil you are working with. Here in Colorado, the soil is either sandy or dense with clay. Sandy soil is easy to identify, with its gritty texture. When you squeeze the soil in your hand, it will crumble easily. With clay soil, you will notice it compacts when you squeeze it in your hand. While too much sand or too much clay is not good for growing plants, there are easy amendments to make your soil the consistency you need.

If you have a clay-like consistency to your soil, your landscaping can struggle with drainage, permeability, and even interfere with how deep the roots can grow. It is recommended to mix in organic compost gradually. Topping the clay-like soil with mulch can also assist in moisture retention. A dense clay soil can take a few years to really see the change in consistency. For a quick fix, try a raised garden bed for optimal soil conditions and plants that will flourish.

Is your soil filled with sand? Water and nutrients are easily washed away in sandy soil. Adding organic compost can help retain the moisture in the soil, providing a more direct source of nutrients. Topping the soil with mulch will help retain water and nutrients as well. When amending soil, it’s all about moderation. With many composts high in salt, mixing in too much could lead to further issues.

With the simple addition of compost and mulch to your soil, you can take your soil from unusable to unbelievable. Mulch is a versatile landscape product, providing style and protection. With it’s moisture retention properties, mulch reduces how often you need to water. Compost is the key player in soil amendments. It improves soil tilth and drainage. It can loosen heavy clay soils and rebuild soil structures. You can be sure the compost will gradually release nutrients, while encouraging vigorous root growth.

Now is the time to get started on your spring landscaping and Majestic Materials has the supplies you need to make the proper soil amendments today!

Majestic Materials

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Majestic Materials

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Offered by Wes Bear, Owner/Instructor – Concealed Carry Workshop

There have been a lot of questions about the Constitutional Carry bill that is working its way through the Colorado legislature this year. It should be noted that similar bills have been brought before congress in previous years and have been voted down. The governor of Colorado has made it clear he would not sign it again this year.

What is Constitutional Carry? If this bill becomes law and you are a Colorado resident and you are legally allowed to purchase and possess a handgun, then you could carry it concealed anywhere you can now legally carry a handgun. Currently, the right to carry your gun concealed ends at the state border, there is no reciprocity.

What is reciprocity? Reciprocity is an agreement between states to accept each other’s concealed carry permits. As of the writing of this article, a Colorado concealed handgun permit allows you to carry in 36 other states. There is legislation (National Reciprocity) in the United States congress that would cause a concealed carry permit issued by any state to work similar to your state issued driver’s license. This is a good thing.

The key point is that there is no permit involved in Constitutional Carry, therefore no reciprocity. If you want to carry concealed anywhere but Colorado you would still need to acquire a valid concealed handgun permit.

Concealed Carry Workshop encourages you to contact your state & federal congressmen and ask them to support both Constitutional Carry and National Reciprocity. Let them know what you expect of them if they want your vote next election.

As always, the Concealed Carry Workshop is ready to provide you with the training, knowledge, skills and attitude necessary to become a more confident, competent, and responsibly armed American. For more information, please contact me at 303-548-4646 (call or text) and/or visit Concealed Carry Workshop on the web at: ccworkshop.co

Concealed Carry Training

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Offered by: Emily Wilson, Co-Owner – FirstLight Home Care

April is Parkinson’s Awareness Month, and FirstLight Home Care is honored to support the needs of those affected and their families. Parkinson’s disease is a movement disorder that impacts an estimated 1 million people across the United States and up to 10 million around the world. Because it’s a progressive disease, its symptoms continue and worsen over time; prompting many living with Parkinson’s to seek long-term assistance managing normal daily activities.

The most common symptoms of Parkinson’s include tremors; slowness of movement; rigidity or stiffness of the limbs and trunk; and postural instability or impaired balance and coordination. For many people living with the disease, symptoms can be unpredictable, which makes Parkinson’s difficult to anticipate and manage. Support for those with Parkinson’s helps these individuals maintain their independence and protect their quality of life.

FirstLight caregivers can help them manage and live with the disease with:

  • Assistance with basic daily activities such as bathing and hygiene, meal preparation and eating assistance
  • Support with walking and mobility, as well as transfer and posture
  • Medication reminders, to help maintain the treatment regimens that are so critical to managing physical symptoms
  • Transportation to help keep every doctor’s appointment, social engagement, event or other activity
  • Household duties, such as light housekeeping and laundry
  • Companionship to help battle the anxiety and depression that often comes with the disease, including visits for conversation and company and participation in recreational activities
  • Live-in services to support people who need around-the-clock care
  • Respite care to provide relief to the family caregivers who are so integral to the ongoing support of those living with the disease
FirstLight Home Care

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FirstLight Home Care