September Savings at Wellyssa’s Well

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Offered by: Wellyssa’s Well

I had such a good response to my August chakra and Aura cleansing special that I am offering that service again in September at a 25% discount. My August schedule filled up quickly, so call soon to secure your appointment in September. I’m looking forward to meeting you!

The chakras are your access to the energy around you. They take in needed energy and expel unwanted energy. They open and close to allow you to interact with, or close down from, your environment. When we have been exposed to a high level of stress, pain, or illness, the chakras accumulate debris from that stress causing the energy expelled into the aura to also be contaminated. This may cause you to feel sluggish, slow-minded and fatigued. A dirty energy system can lead to lack of performance in your daily activities as well as illness if left unchecked.

Chakra and Aura cleansing is a non-invasive and gentle process, which will leave you feeling refreshed, clear-headed, and more balanced. I use light energy (chi, prana, divine light) through my hands. I also incorporate crystals and wands, incense, cleansing sprays and oils, sound vibration, and breath work as needed.

I have been perfecting and practicing energy healing for close to 10 years. I am an Energy Healer, a psychic intuitive, and spiritual counselor. Come see me today in my home office.

September special is $75 session. A session usually lasts 50 to 70 minutes. Let’s clear away what you’ve been building up through the year, and finish the summer, and head into the fall with a clean slate.

Call 720-732-5798 and ask for Wellyssa. Please visit my web page at Wellyssaswell.com.

Music is not what we do, it’s who we are

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Offered by: Universal Music Company

Universal Music Company is a family-owned and operated music shop established in 1960 and founded
on the idea of helping those in need and to provide help where the need is greatest.

Our team is made up entirely of musicians. We advocate for other musicians and soon-to-be musicians in
need of our help. Whatever the case may be, we are dedicated to ensuring that your musical endeavors go beyond the standard. Here at Universal Music Company, we aren’t just a store, we are a family. And we are always welcoming new members. When you walk into our store, we don’t want you to just see the items on our shelves, we want you to feel the heart that we put into making this a place of unity of music. Our attention to service and quality has made us an industry leader. Our customers always come first, and we constantly strive to exceed your expectations.

We carry anything from beginner-friendly equipment to expert-level instruments. Whether it is an economical guitar or an excellent keyboard, you can  nd it here. We strive to provide the customer with the best fit for their passion at the most fair price, so come on in and see what we can provide for you.

We also offer lessons, do repairs on all major instruments and provide rentals for all musician levels. Want to know more about our business and the services we offer? Visit our website at www.universalmusiccompany.com or call us at 303-452-1557 to get detailed information about us. Or, come into our store, located at 1200 E. 104th Ave. in Thornton, and meet our dedicated staff members. We’re looking forward to working with you.

It’s time to schedule your personalized review of Medicare Coverage

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Offered by: Integrity Insurance of Brighton

5 Answers – Why now is the time to schedule your personalized Annual Review of Medicare Coverage:

  1. Did you know you can schedule a free review to go over your current medical coverage benefits? A review will let you fully understand your current benefits. Sometimes new features get added; however, you aren’t aware of the benefits. Finding out now will let you make the most of your current coverage before the year’s end, so you won’t lose out if you have benefits that are limited to a calendar year.
  2. Is my current Rx coverage, the plan that saves best for my medications? I figure this out and let you know if you are making the most of your prescription options. This review might reveal significant savings opportunities.
  3. Why is it so important to check my Rx coverage annually? The main reasons are: your plan may change prices, your medication needs may change, the plan can change the coverage for your medicines, the plan can change and move you to a new plan, a new plan may be introduced that is a better choice. Finally, you only can change coverage during the annual enrollment period unless you have special circumstances. Looking over your coverage could keep you from surprise costs in January 2022.
  4. Can I really compare my Medicare Supplement coverage to other coverage, to shop for price savings any time of year? Yes that’s right, if you enrolled in a supplement a few years ago and haven’t checked in, to review your coverage, you may qualify to apply for the same coverage at a more competitive price.
  5. How long does the review take and what will it cost? The review will take an hour or less, my services are always no charge and it can be done on the phone!

The Medicare Annual Enrollment Period (AEP) is approaching!!

Oct. 15 – Dec. 7 – Don’t delay, call Lisa today to follow up 303-887-8584

Integrity Insurance

Making end-of-life decisions is one of the hardest things to do

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Offered by: Melissa Rippy – Rippy Insurance Agency / Allstate

Although people generally recognize the value of life insurance, research shows 46% of Americans are uninsured
and many more do not have enough coverage. Before the COVID-19 Pandemic, nearly 1 in 3 families said they would face financial challenges within a month if the primary wage earner died.

When we lost my dad unexpectedly in December of 2017, my mother and siblings and I found ourselves standing in a room at the funeral home, trying to decide if Dad was going to be cremated in a cardboard box, a pine box or something else.

Losing my dad was hard enough, but having to make end of life decisions for his memorial service was one of the hardest things I have ever had to do, as not everyone had the same opinion about what the service would look like, what the obituary would read and what type of a box he’d be in.

It saddens me to read GO FUND ME pages where a family has been tragically struck with the unexpected loss of their loved one. I recently read one that said “We are heartbroken at the loss of our family member. We are hoping to cover funeral costs, money for activities of healing, the sudden loss of her income and maybe a little extra for the kids’ college.”

When my clients pass away, I bring their loved ones flowers, food or a check. What would your family benefit most from? If the Rippy Agency can help put a plan in place, call or text 303.219.1470. We offer complimentary appointments and reviews. You can also be entered to win a pair of Apple AirPods by just getting a quote in the month of September.

Allstate Rippy Insurance

Why Go to Church?

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Offered by: The Reverend Deborah Hill, St. Elizabeth’s Episcopal Church

So many of us believe in God, but we don’t make time to go to church on Sundays or throughout the week. After all, if God is everywhere, why go to church?

I once heard someone say that the whole atmosphere is filled with water, but when you are thirsty you still need to go to a fountain or a well to drink. God is everywhere, but he wants us to seek and find him in his Son in whom the “whole
fullness of deity dwells bodily” (Col. 2:9).

And where is Jesus Christ now? Jesus said, “For where two or three are gathered in my name, I am there among them” (Matt. 18:20). Wherever his Word is read and preached, wherever his people are baptized, wherever the meal of his body and blood is shared, wherever forgiveness and freedom and hope are spoken to each and all, Christ is present.

One lonely coal left in a fireplace on its own will quickly go out. But if banked against a group of other coals, then together they can keep a house warm throughout the long cold winter nights.

St. Elizabeth’s Episcopal Church is a group of families and individuals in and around Brighton who come together for fellowship and to worship God. We gather together at the fountain to drink deeply, and we find ourselves strengthened in our faith, and comforted by the friendship we offer each other. We would love to have you come and join us!

Welcome in Fall with Fall Clothing & Decor

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Offered by: Iris Fern Boutique

Check out our adorable clothing and decor

Our fall collection is sure to put you in the mood for cool autumn nights where you create the perfect gathering spot with all of the items Iris Fern has curated to help liven up any space with seasonal charm and a cozy feel. We are excited to share our buffalo checked collection and other farmhouse, shabby chic and vintage finds. Take all of the time you need to browse our fun and adorable new clothing and décor. You are going to fall in love with all of the fabulous  finds at Iris Fern.

Please join us at the Iris Fern Pumpkin Patch the two weekends before Halloween (October 16th, 17th, 23rd and 24th) from 10am to 5pm. Free cider, hot cocoa, coffee, popcorn, s’mores and other goodies. Bring your children to the pumpkin patch and sign up to get an adorable picture and a pumpkin from our patch ($15 ordered in advance if you call or come in to order ahead and $20 the day of the event.). Enjoy time with our family, your family, friends and the Brighton community.  is will be a fun event for all ages.

Come enjoy shopping at Iris Fern located at 617 East Bridge Street in Brighton, CO. Find an adorable new seasonal outfit for yourself and your little ones. Mention this add and you will receive a 10% discount off of your entire purchase between now and October 31st.

Honoring our Past, Living in the Present, and Forging our Future

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Offered by: Colorado Karate Club

In 2019, after almost 20 years since the last time I set foot on Lima, Peru, I had a chance to revisit some of my old neighborhoods, friends, and family.

One of my obligatory visits was to go see my Sensei, my Karate teacher since I was a toddler. Luis Chiock Wong, the son of Chinese immigrants, started training in Kung Fu as a young boy in the Chinese community. Later learning Judo and Karate, then teaching Karate for several decades, integrating the Peruvian National Karate Team in the 70’s as a competitor, and as its coach in the 80’s.

Seeing my Sensei again, gave me an amazing feeling of fulfillment and of gratitude for all that this man has done for me. It was a great visit where I got to ask him about his start in Karate training, his experiences, and to finally ask him, why did he stop training and teaching… Which may be the subject of a future article.

The word Sensei, which means “teacher”, literally translates as “the one who has come before”. The Japanese use it to refer to school teachers, lawyers, doctors, and other figures of authority. For Martial Artists though, Sensei means much more. I always saw my Sensei as a mentor, someone who always had my best interest at heart. He could be strict and demanding, and he never celebrated mediocrity. Some would even consider the things he would do, say (or not say), as harsh, but it was all with a purpose. To forge strong willed individuals, resilient, and driven. While instilling a strong sense of fairness and honor within the student.

Seeing him again after so many years, and me, now being a Sensei to a new generation of Karate-ka, I wondered if he fully realized the impact he has had on people he will never meet in a far away country. How many young Karate students, without knowing it, owe him a debt of gratitude for what he taught me. In the same way, I may never know who and how my teaching and mentoring will touch over the years. I only hope that it continues to flow and multiply through many generations.

But this is not just for the Martial Arts, if you have something to offer, knowledge and experience in any subject, you may just as well be a Sensei in your own right. You have been there before, and that experience can help others who will come after you. Do not let your light die with you, in this generation, let it be carried forward by those who now come, and will come after you. You may never know the amazing impact you may have on future generations, but they will. And in them, your memory, and your light, will live on.

Dedicated to my Sensei, Luis Chiock Wong

Start thinking about your retirement income plan

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Offered by: Tim Roberts – Edward Jones

If you’re getting close to retirement, you’re probably thinking about the ways your life will soon be changing. And one key transition involves your income – instead of being able to count on a regular paycheck, as you’ve done for decades, you’ll now need to put together an income stream on your own. How can you get started?

It’s helpful that you begin thinking about retirement income well before you actually retire. Many people don’t – in fact, 61% of retirees wish they had done better at planning for the financial aspects of their retirement, according to an Edward Jones/Age Wave study titled Retirement in the Time of Coronavirus: What a Difference a Year Makes.

Fortunately, there’s much you can do to create and manage your retirement income. Here are a few suggestions:

  • Consider ways to boost income. As you approach retirement, you’ll want to explore ways of potentially boosting your income. Can you afford to delay taking Social Security so your monthly checks will be bigger? Can you increase your contributions to your 401(k) or similar employer-sponsored retirement plan, including taking advantage of catch-up contributions if you’re age 50 or older? Should you consider adding products that can provide you with an income stream that can potentially last your lifetime?
  • Calculate your expenses. How much money will you need each year during your retirement? The answer depends somewhat on your goals. For example, if you plan to travel extensively, you may need more income than someone who stays close to home. And no matter how you plan to spend your days in retirement, you’ll need to budget for health care expenses. Many people underestimate what they’ll need, but these costs can easily add up to several thousand dollars a year, even with Medicare.
  • Review your investment mix. It’s always a good idea to review your investment mix at least once a year to ensure it’s still appropriate for your needs. But it’s especially important to analyze your investments in the years immediately preceding your retirement. At this point, you may need to adjust the mix to lower the risk level. However, you probably won’t want to sell all your growth-oriented investments and replace them with more conservative ones – even during retirement, you’ll likely need some growth potential in your portfolio to help you stay ahead of inflation.
  • Create a sustainable withdrawal rate. Once you’re retired, you will likely need to start taking money from your IRA and 401(k) or similar plan. But it’s important not to take too much out in your early years as a retiree, since you don’t want to risk outliving your income. A  nancial professional can help you create a sustainable withdrawal rate based on your age, level of assets, family situation and other factors.

By planning ahead, and making the right moves, you can boost your confidence in your ability to maintain enough income to last throughout your retirement. And with a sense of financial security, you’ll be freer to enjoy an active lifestyle during your years as a retiree.

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor.
Edward Jones, Member SIPC

Are We Headed Towards a Housing Bubble?

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Offered by: Jan Hepp-Struck, Hepp Realty

In a nutshell, no. According to Lawrence Yun, Chief Economist of NAR, “We are not headed towards a bubble. The inflation rate may go a little higher, but home prices will continue increasing and the market will remain strong.” So, what ARE the factors that indicate there’s no need for concern about a housing bubble?

Low Percentage of Mortgages in Default: The employment landscape and median income level in the Denver metro area combined with more stringent mortgage requirements has resulted in a very low number of short sales over
the past twelve months.

Home Flipping is Way Down: There will always be some instances of this, but in general, and especially in the Denver metro area, there is not enough inventory, much less properties with low enough price points, to allow for profitable flipping.

Mortgages Payments Lower than Rent: With the continued historically low mortgage rates and extremely limited rental inventory, it’s still generally less expensive to buy than rent.

Demand Still Outpacing New Construction: The high cost of land and building materials combined with a lack of development opportunities and stringent building restrictions across a majority of the Denver metro area means we have a far greater demand for new builds than we do inventory.

Home Prices vs. Wages: The job market in the Denver metro area is strong, but we do have a disparity when it comes to affordable housing. While this is a red flag, it’s only an indicator when all other factors are present.

Price Appreciation Outpacing Rate of Inflation: There’s no denying that home values in our area are outpacing the national rate of inflation, and this is a problem. But that said, this alone is not enough to create a housing bubble.

Yes, it’s been a crazy market the past year (or more) and by all indicators will continue through the end of this year and most likely beyond that.

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

Hepp Realty

Medicare Annual Election Period is Just Around the Corner, Oct. 15 – Dec. 7

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Offered by: Jennifer Bell – Bell Benefits, LLC

Are you ready for the time of year with non-stop Medicare commercials? a.k.a. Non-Stop confusion.

Remember as you start to see commercials enticing you to switch plans for 2022, you always want to look at the most important thing – medical coverage. As you see all the creative ways insurance carriers will try to attract your attention, be smart. Here are some tips for you to be on alert when looking at new plans.

Look at the actual coverage details. Pay attention to copays for doctor visits, hospital stays, outpatient surgery services, copays for ground vs air ambulance rides, and other services that are important to you. I also like to look at the annual max out of pocket just in case you have a rough year.

You’ll see ads for free dental, vision, and hearing along with other free services. You’ll need to check the networks for these different services to see if you can use them with your existing providers. In other words, how hard will it be to use those enticing extras??

Also, some of the plans that o er really great add-on coverage will have smaller medical provider networks. It is so important to check to see if your primary care provider and any specialists you see are in-network.

Finally, I would recommend checking on the prescription drug coverage. Some plans have amazing coverage that will save you a lot of money while others will actually cost you more. Sometimes it is just a few dollars and other times it can be a few hundred dollars.

As a broker, I can help you navigate the different plans for your specific situation. Just give me a call, 720-626-6524.

Jennifer Bell | Bell Benefits