In April I’d like to offer you a 25% discount on Chakra Bowl Sound Bath and affirmation programming.
Chakra bowls emit a sound specific to each chakra. e sound or frequency is harmonizing, clearing and energizing to the chakra. I will let each bowl sing you its song, from root to crown, leaving you feeling refreshed, clear-headed and more balanced. During this process, we will identify and create an affirmation to use with each chakra. These affirmations will be programmed into the chakra, by you in conjunction with the song of the bowl. The affirmative messages will be accepted and brought into your mind/body system. Affirmation work is a powerful tool which stimulates your subconscious to create the life you want, building new habits, generating potent insights and stoking your own sense of personal power and self-worth.
April special is $75 session. A session usually lasts 50 to 70 minutes. Let’s reset your programming!
Call or text 720-732-5798 and ask for Wellyssa. Please visit my web page at Wellyssaswell.com for information on me, and my services.
For younger kids, the time change in March when we “spring forward” can mean that it is difficult to get them to fall asleep at night, and they may want to sleep in later than usual. For teenagers, the effects of losing an hour of sleep can leave them sleepier during the day.
Try some of these tips to encourage healthy sleep habits:
Limit screen time before bed. Blue light from screens or even nightlights can cause the brain to think that it’s daytime. Kids should not use or look at screens for at least an hour before bedtime. Have your teens charge their phones outside of their bedroom to avoid the temptation of using them.
Get enough exercise during the day, especially if it involves spending time outside and being exposed to natural sunlight. But don’t do strenuous physical activity close to bedtime, as this can make it hard to relax.
Try adding in some soothing and relaxing activities in the evenings, such as a warm bath, reading a book, meditation, quiet music, or writing in a journal. Whatever you choose, it is helpful to have a set nighttime routine. This lets the body know that it’s time to unwind and go to sleep.
Springtime brings beautiful blooming flowers, green leafy trees and with that comes allergy season. Seasonal allergies are often seen in the springtime due to the increase of pollen and time spent outdoors. Seasonal allergies can cause symptoms that are similar to cold symptoms, including congestion, runny nose, sneezing, red, itchy, or watery eyes and a scratchy throat. Allergies should not cause fevers, body aches or fatigue.
There are many things you can do to help decrease allergy symptoms. Washing your hands and face or showering after being outside can decrease pollen on the skin. Avoiding wearing shoes inside the house to minimize tracking allergens through the house. Making sure the filters in your home’s air and heating systems are being changed regularly can also be beneficial. Additionally, there are some medications that can help alleviate allergy symptoms.
If you think your child may be experiencing seasonal allergies reach out to their primary care provider. Allergy symptoms can easily be confused with cold and virus symptoms, so their primary care provider can help determine if your child’s symptoms are due to allergies and what will best help alleviate their symptoms.
Seniors often mention their frustration with knowing the deadlines for the Medicare sign-up process. I’m ready to guide you, with a personalized plan. I’m local and have a reputation of trust.
Retiring at 65 and plan to take Medicare?
Turning 65 and on SS?
65 and still working with group health care?
Only have original Medicare?
Have an HSA?
Have you been on disability and soon to receive Medicare?
Each avenue will require unique steps that must happen in sequence to get the coverage you desire in place. You can avoid any pitfalls, missed deadlines or penalties.
Did you decide on your Medicare path a while back. Plans and rates can change over time and your needs also may have evolved. Like many other insurance coverages, it is best to understand your benefits, and options. We have new options in our area this year for people with Chronic conditions that offer enhanced benefits.
Qualify for the Extra Help Program? If your income and assets are under the threshold, I can assist you in applying and knowing your rights to reduced medicine costs. Call me to find out if you qualify and learn about added benefits.
Catch my Zoom, Medicare 101 class on the 3rd Tuesday of each month at both 2 p.m. and 6 p.m. Mark your calendar for April 19 or May 17. Call or email for Zoom meeting information.
The Marshall Fires that ravaged through the neighborhoods of Superior, Louisville and Boulder County in December left 1,084 families without a home and caused more than $513 million dollars in damages. In the aftermath, many homeowners found themselves grossly underinsured to rebuild their home. Some even found out that their homes were not up to code at the time of the fires, and now that the homes need to be rebuilt, they will need to be compliant with the current building codes, which can be tens of thousands of dollars.
How can you make sure you are fully covered? If you haven’t reviewed your insurance policy with your insurance agency in a while, that would be a good place to start. You’ll want to make sure the replacement cost has kept up with not only the rising value of homes in today’s real estate market, but that it is also commensurate with the increased cost of building materials and labor. You’ll want to make adjustments to the dwelling coverage as needed. If you’ve recently finished basement, did you remember to tell your insurance agent? If not, this could leave you out of pocket several thousands of dollars for not updating the policy.
Check with your insurance agency to see if you have building codes coverage. If you don’t, look into the nominal cost for adding it to the policy.
Lastly, make an inventory of your personal property. Without a home inventory, it can be hard to remember everything you have in your home. Make a checklist, take photos of valuables, make a video recording and/or use a smartphone app. You’ll need to include the type of item, the original price, the year it was purchased and serial numbers or other identifying factors. If you need an inventory tracker, you can access a form at https://www.allstate.com/resources/allstate/attachments/tools-and-resources/allstate-household-inventory.pdf.
Still have questions? Call or text the Rippy Agency at 303.219.1470.
That’s what my teenage daughter complained to me many years ago as I was telling her what I wanted her to do. I don’t remember what the conversation was about, but those words stuck in my mind. Hearing that made me think: “Am I not a good listener already?”, “Should I be even listening to my child, when I -as I figured- already know what is best?”
It was not that day or the next, not even that week or month, but over time, I came to realize that, just like my daughter had accurately noted, I was not a good listener; not with my children, and not even half the time with other people. Something had to change.
Most of us believe we are great listeners already, but as I shared with my Karate students, listening, just like speaking, is a skill that must be learned, developed, and perfected.
Reading through the book “The Lost Art of Listening” by Michael P. Nichols, PHD. I came to learn many valuable techniques and concepts about listening, the central one being that listening is to make a sincere effort to understand what the other person is thinking and feeling. To be a witness to their experiences and to truly care. I never thought of it before, but active listening does take a lot of work, and practicing it is essential to get better at it.
In a world where conflict seems to spark just about everywhere: at home, at the store, at work, on social media, and even worse between countries, understanding the thoughts and motivations of our counterparts is the first and most important step in mutual cooperation and peaceful coexistence.
While I would like to report that I am now a great listener, I must admit that I am still a work in progress, probably a green-belt (in Karate terms). At least, I realize now, that there is a great need in each one of us to be heard, so I try my best. Now think about those around you who often choose YOU to be a witness to their life experiences, your child, your spouse, a customer, or even a stranger. You have the opportunity to hear them out and when they are done sharing, they may say, “I am glad I talked to you, you get me”. That’s what I wish for you and for myself.
Blue Box Waste Service is excited to make its debut as a mini roll-off and dumpster provider proudly located in Brighton. We are a family-owned and operated company ready to serve our community. Although Blue Box is just getting its start, our family has been in Brighton for over 20 years. Since Brighton is our home, we are eager to provide you with our trash services.
Our two main services are mini roll-offs and dumpsters. Mini roll-offs are perfect for moving, renovations, yard clean ups, house and garage decluttering, estates, weddings and any other significant trash removal events.
Our dumpsters are perfect for weekly service for any residence or business producing larger quantities of trash on a regular basis. Additionally, the 2 and 3 yard dumpsters can be rented for daily or weekend use which can be used for smaller home projects such as yard clean up and garage/basement decluttering that do not require a mini roll-off.
Not only do we look forward to providing these services to Brighton, we are also proud to serve the Northern Colorado, Denver Metro and South Denver areas. As second generation waste service providers, we know customer service and dependability are priorities so we work hard to earn your trust through reliable and prompt communication and service.
We are excited for the opportunity to be your choice for mini roll-off and dumpster services. Call 720-885-dump(3867) today for a quote!
When you reach the appropriate age, it’s easy to apply for Social Security retirement benefits – just go to Social Security’s website, fill out the online form and you’re essentially done. But many people overlook the next step – completing Form W-4V, which asks you how much federal income tax you want withheld from your benefits. And if you skip this step, you could face an unpleasant surprise when it’s tax-filing time, because Social Security benefits can indeed add to your taxable income. Here are the details:
If you’re a single filer…If your “combined” income is between $25,000 and $34,000, you may have to pay income tax on up to 50 percent of your Social Security benefits. (“Combined” income includes your adjusted gross income, non-taxable interest, and one-half of your annual Social Security benefits.) If your combined income is more than $34,000, up to 85 percent of your benefits may be taxable.
If you’re married and file jointly…If you and your spouse have a combined income between $32,000 and $44,000, you may be taxed on up to 50 percent of your benefits. If your combined income is more than $44,000, up to 85 percent of your benefits may be taxable.
These numbers might seem high, but they don’t mean you’ll lose 50 percent, or 85 percent, of your benefits – they are just the percentages of benefits you may be taxed on, at your personal income tax rate.
To help avoid a big tax bill or an underpayment penalty, you can file Form W-4V with the Social Security Administration and request to have 7, 10, 12 or 22 percent of your monthly benefit withheld. Your tax advisor can help you choose the withholding percentage that’s appropriate for your situation.
The amount of taxes you may need to pay will also depend on when you start taking Social Security. The earlier you take benefits, the smaller your monthly checks, and the smaller the taxes. But taxes should not be a key issue in deciding when you need to begin collecting your payments. Rather, you should consider other factors, such as your anticipated life expectancy, your employment situation, your spending needs and the benefits for your spouse.
Here’s something else to keep in mind: Because Social Security taxes are based on your overall income, as described above, the amount of money you withdraw during retirement, and where that money comes from, can also affect your tax situation. For example, withdrawals from a traditional IRA are taxable and will increase your adjusted gross income, but withdrawals from a Roth IRA will be tax-free, provided you’ve had your account at least five years and you’re over 59 -1/2, so this money won’t enter into your taxable income calculations and it won’t increase the tax you owe on your Social Security benefits. Similarly, withdrawals from health savings accounts (HSAs) used for qualified health expenses also won’t count toward your taxable income.
By knowing exactly what to expect from Social Security, including the tax effects, you can more effectively incorporate your benefits into your overall retirement income planning – and the better your plans, the more you’ll be able to enjoy your life as a retiree.
This article was written by Edward Jones for use by your local Edward Jones Financial Advisor.
Edward Jones, Member SIPC
It’s hard to believe that we are officially entering year three of a scenario which most of us hadn’t even considered possible two years ago, but that is our reality. Mid-March of 2020—the week that “COVID” and “pandemic” became part of our daily vocabulary and the world as we had come to know it came to a screeching halt.
Suddenly our daily lives were actually occurring in our homes, and we realized that our homes, as they were, didn’t support that reality, or at least not well anyway. “Toddler or pet Zoom bombing” became a common thing and open floor plans became a hindrance, not a benefit. Bedrooms became office or classroom space; closets were overhauled into office alcoves that could disappear at the end of the workday simply by shutting a door. Remote learning and telecommuting, like it or not, became the reality by necessity. So many of us started re-evaluating our priorities and making changes to fit our homes around our new lives—we adapted and moved forward.
Even as things open back up again, many have come to embrace a lot of those changed priorities and adaptations. For many businesses, the question of remote workforce feasibility has been answered, and the momentum of that shift will continue forward. Those who didn’t adapt homes to embrace that notion are now jumping on the bandwagon, or, in some cases, making a more drastic change and relocating to a new somewhere that better suits their life goals because the locational ties to a physical office are gone.
The only thing we can be sure of is that “normal” has lost its predictability and windows of opportunity are opening everywhere we look. If you ever wondered what a societal paradigm shift might look or feel like, this is it. We/you are living through one.
For proven expertise in establishing your home value and/or searching for a new or existing home, please call Jan at (303) 520-4340.
In honor of National Look Alike Day (April 20th), I wanted to create an article giving awareness to Medicare Look Alikes.
There are many different categories for this topic and I’d like to focus on one that truly stands out to me in my world as an insurance agent who cares about her clients.
The first Look Alike is the telemarketing Medicare Insurance Agent. This is a person who cold calls you from anywhere in the world. This person will offer any number of scary, threatening scenarios to entice you to buy an insurance policy from him/her. e person may be offering a completely valid product, but they are not generally taking a full, holistic approach to YOUR needs. He/She is mainly looking for what is best for his/her needs – commission.
Yes, as insurance agents we get paid a commission whenever we write an insurance policy. Call center agents are looking for numbers. They want to sell as many policies as they can.
A good local insurance agent will be your representative. He/She will not only care about making money, he/she will also care about what policy will fit your needs the best and serve you the best. You will not pay any more for a policy you get from a local agent versus one you get over the phone.
Also, beware of the creative commercials that you’ll see with a celebrity who may be someone you have looked up to for years. This person probably doesn’t know much about what they are saying. Again, they are being paid to be a spokesperson. The plan they refer to may be great for you, but it’s important to know all your options and understand what you are enrolling in.
I am always happy to help you understand how things work. Even if you already have a plan in place and are just confused, don’t hesitate to call. I can help! 720-626-6524
Offered by: Mraz Boots and Accessories This family-owned boutique, new to 204 South Main Street, is great for any type …Read More »
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Testimonials
December 31, 2019
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Gray Guy Handyman Service, LLC
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