Offered by Jan Giuliano
As we continue from last month with the DO’s and DON’Ts when applying for a loan, let’s take a look at the DON’Ts. We covered the DO’s so we need to give equal time to the DON’Ts because they are just as important:
- DON’T change your employment status.
- DON’T make any major purchases (car, furniture, jewelry, etc.).
- DON’T change bank accounts.
- DON’T make any large cash deposits into your bank account.
- DON’T transfer any balances from one account to another (please keep to a low minimum).
- DON’T close any credit card accounts.
- DON’T consolidate your debt onto one or two credit cards.
- DON’T apply for any new credit or open a new credit card (without consulting your loan officer).
- DON’T max out or overcharge on your credit card accounts.
- DON’T take out a new loan or co-sign on a loan.
- DON’T pay off any loans or credit cards, charge offs, or collections without discussing it with your Loan Officer first.
- DON’T finance any elective medical procedures.
- DON’T join a new fitness club or contract on a timeshare.
- DON’T open a new cellular phone account.
- DON’T start any home improvement projects.
- DON’T dispute any information on your credit report or have your credit pulled without consulting your Loan Officer.
Any time you have questions, pick up the phone and call Frank and Jan Giuliano at Academy Mortgage Corp. at 303-450-1650.
Click here to view The Giuliano Team at Academy Mortgage Corporation on The Brighton Buzz Business Directory
Offered by Michael A. Dolan
Estate planning is more than avoiding probate and saving taxes. A properly designed estate plan can provide so much more to protect your family. Most of these protections are ignored in cookie-cutter, form driven estate plans. For example….
Mary and Bill left their son John a substantial inheritance. John had grown up, gotten married, completed college, and had a good job. Then came the accident. As John was rushing to work on a wintery morning, he lost control of his car and crashed into a school bus full of children. Many were hurt. John was sued and found negligent. The resulting claim far exceeded his auto insurance limits, and even after the insurance paid $1,000,000 to those injured, he was staring at a court judgment of more than $3,000,000. His assets would have to go to pay the amount due. John was looking at bankruptcy. Then he learned the good news.
Bill and Mary had sought legal advice before their deaths. The first lawyer they spoke with said they did not need estate planning because their estate was worth less than the estate tax exemption. He 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.
Their primary objective was to protect John after their deaths. So Bill and Mary left their assets in trust for John, not directly to him. As a result, John was able to keep his inheritance. While they never thought this would happen to their son, their foresight was now going to pay off.
Bill and Mary had sometimes wondered if the planning they did was worth the extra time and effort. Clearly it was.
Click here to view Dolan & Associates on The Brighton Buzz Business Directory
Offered by Jan Hepp-Struck
Brighton is growing, rather quickly, and there’s just no denying it. From school over-crowding issues to larger employers—especially in the energy, transportation, and retail sectors—relocating to our area, and of course, with the new home developments popping up in pretty much all directions, we tend to forget the fact that Brighton still retains a lot of that small town charm that larger, far more developed municipalities lack.
Observing last month’s Annual Brighton Fire Rescue District Pancake Breakfast and Open Houses at our five stations really brought this home for me! As it happens, we have residents of Brighton employed as fire fighters in some of the surrounding fire districts. They are a bit envious of the fact that they don’t have that level of opportunity to engage in community building activities the way the Brighton fire fighters do. Fire departments in neighboring cities cover much more densely populated areas, and as such, the prospect of doing things like offering free, all-you-can-eat pancake breakfast to the public becomes logistically unrealistic.
Our area is one of the fastest growing, not only in Colorado, but across the nation. Although many residents don’t embrace the concept, Brighton is now technically a suburb of the Denver Metro area. How much longer we will be able to enjoy the little things that come with small town charm remains to be seen. But it’s safe to say that the more we fully engage and support our community, the better the chance of preserving that charm for as long as possible.
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
Offered by Jim Vincent
The Brighton Elks have begun their annual big game hide collection to benefit Our Nation’s Veterans. Local hunters have the opportunity to lend a helping hand to Veterans in need. The Elks have begun their annual collection of deer, elk, and other animal hides which will be tanned and made into fingerless wheelchair gloves that will be given to Our Nation’s wheelchair bound Veterans. The Elks also have a program in place where tanned leather is made into craft kits that are distributed through the VA Hospital and Clinic system. The drive is part of a nation-wide leather program that the Elks have been operating since 1948. The motto of the Elks National Veterans Service Commission is: “So Long as There Are Veterans, the Benevolent and Protective Order of Elks Will Never Forget Them.”
Once donated, volunteers clean, salt, fold and stack the hides. They are then transported to tanneries for processing. After cleaning and tanning, a portion of the leather is made available in craft kits to Veterans to make wallets, clothing, belts and moccasins for personal use or to enter in arts and crafts shows. The remainder of the leather is made into fingerless wheelchair gloves for disabled Vets and distributed through the VA system by representatives of the Elks. The program is funded by the Elks at no cost to Veterans or the government. Hides can be dropped off at the Brighton Elk’s Lodge, 101 N Main St, Brighton, CO. Please place the hides in the hide container next to the metal building in the Elk’s parking lot behind the building. For more information, contact Jim Vincent, Chairman of the Colorado Elk’s Leather Program at email@example.com
Click here to view Jim Vincent, Farmers Insurance on The Brighton Buzz Business Directory
Offered by Right Fitt Nutrition @ The Platte
Your local “Fitt Coaches” are excited to introduce their first full service nutrition bar – RightFitt Nutrition @ The Platte! Our convenient location will provide healthy and delicious smoothies, teas and protein snacks that assist in weight loss and energy! Brownie Blast Shake…Thin Mint Cookie Shake… healthy Caramel Frappuccino? Who would have thought eating healthy could taste so good! Open for breakfast, lunch and dinner – we offer a high energy, family-friendly, cozy, coffee shop hangout ambiance!
While you can stop in any time for your go-to meal, Fitt Coaches also focus on personal relationships with their clients and coach individuals one-to-one to help them achieve THEIR goals! We provide a FREE PROFILE for everyone who stops in to help educate you on your bodies nutrition and fitness needs. We can help you lose weight, gain muscle, increase energy, lose pants sizes and FEEL GREAT!
In addition, RightFitt offers FREE workouts daily for all levels, ages and sizes! We provide motivating challenges and accountability tools that will get you moving in the right direction. Our goal is to bring our community together to find the support you need to get REAL RESULTS. Real Nutrition, Real Fitness, Real Results!
We can’t wait for you to come by and check it out! Take a break from your stressful day and stop on in! Your friendly Fitt Coach will greet you with a smile and be your local GO-TO coach for all of your nutrition and fitness questions!
Click here to view Right Fitt Nutrition on The Brighton Buzz Business Directory
Offered by Ruston Webb, MS, CSCS, Kinetafit
The best way to maximize your workouts in the gym is to focus on perfect form and solid technique with your lifts. Most people believe that more weight and heavy lifting is the key to faster results but this quickly leads to injuries and pain. Focusing on perfect form throughout your lift not only creates a more functional movement pattern but it builds better coordination, burns more calories and generates higher strength output. In other words, by focusing on the right things in the gym you can get the body you are looking for and avoid getting hurt. Over time your strength levels will improve to lift heavier weights but in the meantime develop a strong core, gain those intrinsic stabilizers you need to lift heavier and start getting results without having to go to the doctor for x-rays.
At Kinetafit our personal trainers are determined to see our clients get results without getting injured. Come check us out www.Kinetafit.com.
Click here to view Kinetafit on The Brighton Buzz Business Directory
Offered by Brian Margolis
It’s football season, but professional players are not the only ones who can score this time of year. If you have been a patient Buyer, now may be a great time to make your way down the field into the end zone, and get a great deal on your new home.
Last month I hinted at the cooling market and the numbers out now confirm it. Values of homes in the five county Metro Denver area have actually declined in the past two months, according to ReColorado (MLS). They’ve gone from an average high of $414,755 in June for a single family home, to $404,187 in August. Whether you’re a buyer or a seller, don’t be worried. I am confident and still very bullish for our local market and here’s why: believe it or not, it’s good that we have slowed down. The affordability index for a first time home buyer was starting to get out of reach.
Knowing how to price your home or how to put an offer on a home is one of the most critical pieces a professional Realtor can provide for you. When looking for a Realtor, check out their track record. Do they know the market (numbers) or are they just someone you happen to know who has a real estate license and offers to help you out? Don’t get stuck on the wrong side of the curve and overpay for your home or list too high and then have to sell for less.
The Margolis Team has been helping Brighton Buzz readers for over 12 years and clients in our area for over 16 years! Let us put our experience and knowledge to work for you. Text/call Brian Margolis at 720-352-0454 or email Brian@TheMargolisTeam.com.
Click here to view The Margolis Team on The Brighton Buzz Business Directory
There’s something about the leaves turning their beautiful autumn colors and then falling that makes seasonal changes seem very real and natural. It’s like there’s a marvelous color palette for us to look at and then the beautiful leaves fall, bringing on the cool, crisp, white winter. Below are some quotes about this amazing season by people more famous than I. It may give you some perspective about enjoying Autumn 2015.
“Autumn is a second spring, when every leaf is a flower.” Albert Camus
“Spring passes and one remembers one’s innocence,
Summer passes and one remembers one’s exuberance,
Fall passes and one remembers one’s reverence,
Winter passes and one remembers one’s perseverance.”
“I cannot endure to waste anything so precious as autumnal sunshine by staying in the house.” Nathaniel Hawthorne
This October there is much to be happy about. Locally, our advertisers are working hard to put together great offers for our readers and that always amounts to prosperity both for the businesses involved and those who take advantage of the opportunities offered. Our real estate market is still moving very quickly and many new businesses are coming to Brighton and the surrounding areas. It would seem that 2015 will move through its last quarter on a high note. For that we can be very grateful!
For those parents that like to help their children celebrate Halloween in a fun and safe environment, the Historic Downtown businesses are putting on a Brighton Harvest Festival that is sure to be an amazing event. To our excitement, Halloween is on a Saturday, and this event will be held from 12-4 p.m. in Historic Downtown Brighton. Your children can come and garner candy for any or all of the over 30 vendors and 20 local businesses participating. The parents will receive coupons that can be used in the local stores either that day or in the future. There will be many fun activities and we ask that you put this on your calendar and enjoy this very special event. We hope to see you there!
The Best of Octobers To Everyone!
Offered by Innovative Real Estate Group
Innovative Real Estate Group has captured the lion’s share of the real estate market in the Brighton area for the period January 1, 2015 through July 22, 2015, according to data compiled by BrokerMetrics. The company’s Brighton office, which opened late last year, posted total sales volume of $22.5 million during the recorded period to firmly establish Innovative Real Estate Group as the leader in the Brighton area among the top 10 real estate firms serving the area.
Innovative Real Estate Group recorded a total of 75 real estate transactions with an average price of $300,164 in the Brighton area. The company’s market share was nearly double that of the third place company and more than four times more than the 10th place firm. Innovative Real Estate Group has a total of 17 Broker Associates in its Brighton office and over 130 overall. The Brighton office is headed by Mandy Dosco, Managing Broker.
“We have recruited an amazing group of real estate professionals who share a sincere dedication to superior customer service,” Said Dosco. “We strive diligently to find a balance between business and our personal lives that results in great success in the highly competitive real estate business. The majority of our agents live in the Brighton area, so they know the market, the neighborhoods, the schools, and the complexities of our industry. I’m very proud of our team.”
BrokerMetrics from Terradatum is a tool of discovery that allows users to query key MLS statistics in ways not available through MLS systems. Used by thousands of real estate offices daily, BrokerMetrics includes the tools needed to recruit agents, analyze market share, market growth, and market trends.
Last year, Innovative Real Estate Group was recognized by the Denver Business Journal as Denver’s fastest growing company in a category of companies with annual revenues of between $10 million and $23.9 million for 2013, numbers which have since been surpassed significantly. For more information on the Brighton office and potential career opportunities, contact Mandy Dosco at 720-371-6733, email firstname.lastname@example.org.
Click here to view Innovative Real Estate Group on The Brighton Buzz Business Directory
Offered by Pinnacle Gardens
Mums are notorious for saying ”Fall is in the air and the seasons are changing”. You can find Mums everywhere you go, however once you get them home they are very easy to kill. Mums will dry out quickly and need to be watered at least once a day, the stress from repeated drying out will just send them to the compost pile!
Here are a few tips to keep them alive and beautiful for the entire fall season.
- Re-Pot- This is the most important thing you can do to increase the longevity of your mums. Most mums are completely root bound when you get them, which makes it hard for the soil to retain the water and nutrients for beautiful blooms!
- Lots of Sun – Mums are sun lovers! 4 hours of direct sun a day is needed, with the fall days being shorter the place you have your mums may not be in the sun as long as you think!
- Water, but not too much- Mums do not like to get dry, try to water before the leaves get to a droopy state. If it has dried out put the plant in a bucket with a few inches of water to rehydrate.
- Deadhead- Some love to do this and some don’t! Deadheading is worth the time and will prolong the blooming and look of a healthy plant.
- Choose a strong plant- Look for plants that have deep green, healthy leaves. Find plants that have a lot of buds and not too many blooms…YET !
Enjoy the colors and beauty of your mums this fall!
At Pinnacle Gardens we have a variety of healthy mums to change the seasons with you, we will be here throughout the fall season and through Christmas trees for your gardening needs! Happy Fall !
Click here to view Pinnacle Gardens on The Brighton Buzz Business Directory