Is CBD Right For Me?

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Offered by: Thomas Gierwatoski, Pharmacist – Platte Valley Pharmacy

Chances are if you are one of the millions of Americans suffering from chronic pain, arthritis, migraine headaches, loss of motor control, depression/anxiety, or insomnia, CBD may be a safe alternative or addition to other medications that you are currently taking. Over the past several years there has been a mounting body of clinical evidence to suggest that CBD can significantly improve the symptoms related to each of these conditions

CBD is short for cannabidol, an all natural supplement derived from the cannabis plant. Cannabidol along with the other cannabinoids, terpenes, and phytonutrients found in hemp work in concert with our internal Endocannabinoid Receptor System to maintain healthy cellular functions. Unlike its cousin Medical Marijuana, CBD is an all natural non-psychoactive cannabinoid that can improve your overall health but cannot get you “high.

One of the biggest concerns in the medical community has been the lack or regulation or quality control that exists in the market. Numerous patients have reported inconsistent responses to the products that they buy or in more extreme cases serious illness have come from taking impure products. The other issue our patients face has been the lack of medical knowledge by those selling the products. While CBD is generally considered safe there are certain medications that can interact with it and you should always ask if it is safe to take with your normal regiment.

At Platte Valley Pharmacy we carry Ananda Professional, an FDA-inspected manufacturer that produces a safe and consistent full spectrum hemp product that you can count on every time. Our specially trained pharmacists can answer the questions that you may have regarding its use and safety in helping you.

CBD

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Platte Valley Pharmacy | Brighton Real Estate

Can you REFUSE To Be A Victim?

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

Yes, you can refuse to be a victim. The “Refuse To Be A Victim” seminar is a nationally recognized and constantly improving program to show you how to reduce your chances of becoming a victim of crime.

Through situational awareness and preparedness, you can avoid most situations that could place your life in danger and offer you the opportunity to learn about ways to respond to situations that sometimes cannot be avoided. This is not a self-defense class or firearms course, but a seminar on what is out there in the world to help you. You decide what is best for you.

Typically, the Refuse To Be A Victim seminars are only available to larger groups, often sponsored by companies or organizations. Unfortunately many people, including possibly yourself and your family, do not belong to these companies or organizations. Although I am available to host those larger groups as well, I can also provide presentations catered towards smaller groups such as families and friends that can come together for a 2 – 4 hour seminar.

The 2-hour “Basic” seminars will be highly personalized to the needs of the participants and can be done in a single evening. The 4-hour seminar will cover all topics in the Refuse To Be A Victim presentation and must be held on a weekend.

If you have questions or would like to schedule a seminar, please call me directly at 303-548-4646.

Refuse to Be a Victim

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The Housing Horizon in 2019

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Offered by Jan Hepp-Struck, Hepp Realty

It’s hard to believe that it’s already 2019, but here we are – Happy New Year! So, what’s on the real estate horizon for 2019? According to Realtor.com®’s 2019 National Housing Forecast report, buying a home is only going to get more expensive due to mortgage rates continuing to climb and home prices increasing. The good news is that buyers who can afford to buy will have less competition. This will be most evident in the entry-level homes where new inventory has slowed as builders put more focus on the mid to higher-end price tier homes.

If you are thinking of selling, it’s still considered a seller’s market, but that said, there is a change from the past few years. Pricing strategy is key as too high of an initial asking price can cause it to linger on the market longer. Additionally, for the mid to higher-end properties, the projected increase in available inventory means a probable end to bidding wars and multiple offers. This will most likely lead to longer sales time and could even mean the need to offer incentives.

Worth noting in 2019, according to Realtor.com®, Millennials (those born between 1981 and 1996) continue to make up the largest segment of buyers, accounting for almost half of all mortgages. Understanding the priorities of the buyers in that age range when it comes to amenities can help you with wise decision making for any planned improvements prior to placing your home on the market.

For proven expertise in establishing your home value and/or searching for a new or existing home, please call Jan at (303) 520-4340

Housing Horizon

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Hepp Realty | Brighton Real Estate

Why Life Insurance Matters for New Homeowners

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It addresses a significant financial risk.
Offered by: Magi McEntire, Worth Financial Partners

If you buy a home and you have no life insurance, there may be a financial risk. It may not be immediately evident, but it should be acknowledged and addressed.

What if you die, and your spouse or partner is left to pay off the mortgage alone? This possibility may seem remote, and it may be hard for you to contemplate. It deserves consideration regardless.

Imagine your loved one having to handle that 15-year or 30-year debt by themselves. (Or the debt on an adjustable-rate loan or jumbo mortgage.) Additionally, how would that heavy financial burden come to impact your children’s lives? These tragedies do occur and do bring these kinds of emotional and financial challenges. A life insurance payout may provide some help for a homeowner in the event of such a crisis.

When you buy life insurance, the coverage amount should reflect your mortgage debt. You will need enough coverage to help your spouse, partner, or heirs deal with the outstanding home loan balance, should you pass away prematurely.¹,²

Term life insurance may meet the need. If you are the typical homeowner, you will stay in your current home for about ten years. (Back in 2006, the average homeowner tenure was just six years.) As you may move up, move to another region with different home values, or even rent in the future, a term policy that lets you renew or modify coverage could suffice.¹

On the other hand, permanent life insurance may be more suitable. The reality is that inflation decreases the value of term life coverage over time. Suppose you buy a 20-year term policy offering $250,000 of coverage today. At just 4% annual inflation, that coverage will be worth 56% less in 2038 – and your home may be worth much more in 2038 than it is now.²

Moreover, the cost of term life insurance rises as you age. A term life policy may be inexpensive when you are young, but if you want a new one after your initial term policy sunsets, you may find the premiums dramatically more expensive. In contrast, premiums on a permanent (whole) life policy are locked in, effectively becoming more manageable as time goes by. You may want permanent life for other financial reasons as well, reasons that have nothing to do with your home. A permanent life policy has the potential to accumulate cash value in the future; a term life policy does not.²

A homeowner should carefully consider life insurance coverage options. If you lack coverage today, talk to a qualified insurance professional about your options, so that you can insure yourself for tomorrow.

Magi McEntire may be reached at (303) 558-0214 or Magi.McEntire@LPL.com, WorthWealthManagement.com

Life Insurance Matters

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 offered through LPL Financial Member FINRA/SIPC

Citations.
¹ – themortgagereports.com/26307/homebuyer-tenure-how-long-are-people-staying-in-their-houses [3/17/17]
² – entrepreneur.com/article/310731 [3/22/18]

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Worth Financial Partners

A Christmas Without Dad…

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Offered by Melissa Rippy, Rippy Insurance Agency / Allstate

“Before you cross the street, take my hand. Life is what happens to you while you’re busy making other plans.” ~ John Lennon

squirrelThis was the first Christmas without my dad. This past December 27th, marked one year since we lost him to Acute Myleoid Leukemia.

For the past 20 years, Dad was the one that picked me up from the Phoenix airport and would take me back to the town of Payson, where I grew up. This last time, a shuttle driver named Howarth drove me to my mom’s instead. For an hour and a half, I listened to an opera and gazed at cloud covered hills as we climbed out of the Saguaro laden desert into the mile-high mountain town in which I was raised.

It was a beautiful day in Payson, Arizona. There was a squirrel eating corn out on the deck. Dad handfed his little buddy for years and he even named him, “Rocky.” The trees have overgrown and the majestic Mogollon Rim is surrounding us but still in the distance, hidden by foliage. The only thing that was missing was Dad.

As we all start this year anew, I hope that whatever the new year brings you, it is also accompanied with peace and kindness. I hope you find what you love and love what you find. I hope that you surround yourself with those you love and those that love you.

The days are long but the years are short, and “Life is what happens to you while you’re busy making other plans.”

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Melissa Rippy, Rippy Insurance

Why Was The Estate Such A Mess?

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Offered by: Dolan & Associates, P.C.

Have you ever heard that the administration of someone’s estate was a complete mess? Family members fighting, out-of-control expenses, and it took years to complete. Maybe you’ve even experienced this outcome firsthand. Why is this happening?

In many of these estates where there are significant problems, battles, and unnecessary expenses, the individuals actually did “estate planning” prior to their deaths. They had prepared a will, or living trust. Unfortunately, there is a misconception that if you put some estate planning documents in place, there is an assurance that things will go smoothly upon your death.

This is simply not the case. Putting together simple sets of instructions may provide some guidance for your family upon your death, but those documents alone are not the answer to the smooth administration of your estate.

A process of communication among family members, preparation for your eventual death, and setting appropriate expectations among family members is critical to the outcome you expect from your estate plan. Most families are ill-equipped to teach their family what to do, how to do it – as well as how they should pay for it. If you want things to go smoothly for your family at the time of your death, you should enlist the assistance of a results-oriented estate planning organization that can help prepare you and your family for the inevitable.

Administering an estate is complex and the circumstances and interactions between family members are charged with emotion and grief. Families should invest the time to discuss these important issues, put effective plans in place, and set appropriate expectations among everyone involved. By doing so, your family will receive more of their inheritance after the payment of expenses, receive their inheritance sooner, and have a much better chance at maintaining good family relationships after the estate is settled.

If you would like to learn more about an alternative estate planning process that is producing great results for families, visit: www.EstatePlansThatWork.comto sign up for a complimentary educational workshop.

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Dolan & Associates | Estate Plans

Focus On Your Future

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Offered by Brian Holley – Farmers Insurance

The year has certainly gone out with a bang, as after a decade of steady growth, the final months of 2018 have been marked by extreme volatility. While it’s important to understand the factors behind market moves, not even experts have been able to pinpoint what’s causing markets to move so erratically..

Here’s what you can do in the New Year: stay calm, focus on the long-term, and know that we have worked to make sure that your financial plan and investments have the right mix of assets to withstand market moves.

Doing nothing is hard, so if you want to do something, try this: make sure you have set and are sticking to a spending budget, so you aren’t dealing with debt in the new year. Take a look at your spending and saving habits, think about your ideal week, and then again what that week might look like when you’re retired. Think about your 2019 goals, and we can set a time, after the dust settles to reflect and plan.

Helpful Tips

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Farmers Insurance

Money Back From Uncle Sam

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Offered by Jan Giuliano, – Universal Lending, The Giuliano Team

Happy New Year! Frank and I hope you all had a wonderful and safe New Year’s celebration. The holidays can be very hectic. So many things to do, so many places to be, we typically put things on hold until after the holidays are over. As you think about the year ahead one of the first events to plan and be prepared for is tax season. If you purchased a home last year in 2018, pull out your papers, particularly your closing disclosure so you’ll have information regarding mortgage insurance and interest paid. Take the closing disclosure to your tax preparer. They will know how to use it. Always consult a tax professional about your specific situation and the tax savings benefits of homeownership.

If you don’t own a home or didn’t buy last year, let your lender help you turn that tax refund into a down-payment. Your tax refund could be the answer you have been waiting for in making your dreams of owning a new home come true. Rates are still affordable and with just the right loan program you can put your tax refund to good use. Let us help you plan for your first house, a move up, or downsize. With a little planning and a whole lot of help, your dreams can come true.

Let Universal Lending help you with all your lending needs. Call Frank at 303-912-2850 or Jan at 303-548-3002.

Tax Refund

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The Giuliano Team

The Benefits Of An Adjustable Bed Base

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Offered by: Chris Fushimi – A Mattress & More LLC

Adjustable bed frames with a gel memory foam or hybrid mattress are no longer just for hospitals. They can help you sleep better as well as aid in promoting better health. Here are some of the benefits you could enjoy:

1: Ease Back Pain
Adjusting the mattress at both the head and foot will allow the surface to match the body’s contouring as close as possible. This alleviates pressure on the sciatic nerve, reducing painful conditions, like sciatica and other back problems.

2: Reduce Sleep Apnea, Asthma, and Snoring.
Snoring occurs more often when lying flat because, in this position, the neck puts extra weight on the windpipe causing it to close and to snore. When one’s head is lifted, gravity allows for the weight to be taken off the windpipe, reducing the snoring.

Sleep apnea and asthma are breathing problems that can also be decreased by using an adjustable bed frame to raise the head. Sleeping in a more angled position improves airflow, reducing obstructions from the nasal passages to allow for a healthier, uninterrupted sleep, caused by apnea. Oxygen, that is restricted when lying flat, will be able to flow more freely to decrease the probability of an asthma attack.

3: Reduce Acid Reflux and Heartburn and Improve Digestion.
When lying flat, stomach acids move to the esophagus which leads to the uncomfortable symptoms of acid reflux and heartburn. A small inclining of the head has been shown to keep the acid in the stomach and away from the throat. This allows for healthier digestion and better sleep.

4: Arthritis and Pain
Arthritis and other painful conditions can be relieved with the use of an adjustable bed frame. Stiff and aching joints can be alleviated by positioning the mattress so weight is taken off problem areas to allow for a more comfortable rest. The adjustable bed can also help with morning stiffness that results from pain issues.

5: Leg Swelling
Many people suffer with swollen legs: pregnant women, people who stand all day at work, those afflicted with illness or people suffering from a hurt limb. Elevating your legs will help reduce this swelling and many common issues such as varicose veins. The adjustable bed base allows you to easily just raise your legs to help this condition.

6: Enhance Lifestyle
Attempting to seek a comfortable position utilizing stacked pillows in order to sit up in bed to read, work, and, yes, even eat, can be frustrating. The adjustable bed frame works to turn the bed into a giant, comfy, easy to position, recliner chair.

7: Further Independence
Age, a disability, illness, accident, or poor health can impede one’s mobility. This is a huge problem when one needs to get in and out of bed. Simply by raising just the head of the base will help lift one off the mattress or help one ease back into the horizontal position for sleep.

As you can see, there are many health advantages to owning one of these adjustable bases. The basic models will come with both head and foot raise, and the advanced models will also include massage, under-bed lighting and even USB ports for your electronics.

Call Chris at A Mattress & More LLC to try out all their gel memory foam mattress options today. 303.902.3361

Sleep Better for a Better Price

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A Mattress & More

Call For Nominations For The Adams County Mayors And Commissioners Youth Awards

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Offered by: City of Brighton Communications Office

Youth AwardThe mayors and commissioners of Adams County are asking for nominations for the Adams County Mayors and Commissioners Youth Awards (ACMCYA). This award focuses on teenagers who have triumphed over great odds and serve as inspirations and role models for their peers.

Each year, this program recognizes young people in grades 6-12 who have overcome personal adversity to create a positive change in their own lives or for those around them. If this sounds like a person who may not be in a school setting but is under the age of 20, those nominations will also be accepted.

This program provides businesses, the community and civic leaders an opportunity to actively demonstrate their support for the young people in all of our communities and recognize them for their accomplishments. Businesses may also help by making a monetary or in-kind donation.

If you know of a student who would be a good candidate to be recognized by the community, please help us identify them. Contact Abby Martinez at the City of Brighton Office of Youth Services at 303-655-2186 or agmartinez@brightonco.gov for a nomination form or for questions about the program.

The deadline to submit your nomination is January 25, 2019.