Posted by & filed under The Buzz.

Offered by: Susan Kline, The Brighton Buzz

Susan Kline

Our October issue is always a fun one to put together. You can feel the excitement of Fall’s wonder and the energy created in the communities to celebrate this time of year.

What’s in store for us in this Northeastern Metro Area in October? We’ll enjoy beautiful colors of changing leaves, “all things pumpkin” will soothe our souls, tantalize our taste buds, and bring wonderful color to our interior and exterior decor. There are many exciting events coming in October and their ads are spread throughout our entire magazine. Save the dates on your calendar so you can stay close to home and have fun with friends and family throughout the entire month.

We’re truly fortunate to live where there are so many excellent markets where we can buy delicious fruits and vegetables to enjoy and for those who like to can, prepare for Winter/Spring eating as well. Harvesting to many has to do with produce, but, for others the term could be related to our lives in general. I’m thinking we’ll all want to gather all the great moments we can this coming month and consider them our Special Fall Harvest.

All the best this October,

~ Susan

Posted by & filed under News from our Advertisers.

Offered by: Scott and Lora Nordby, Berkshire Hathaway HomeServices Colorado Real Estate

If you’ve been discouraged about buying a home because the housing market is too competitive, you’ll like the latest 2022 forecast update from Realtor.com.

Inflation, higher home prices, and higher mortgage rates are impacting affordability, which caused many homebuyers to move to the sidelines. In April 2022, existing home sales dropped 2.4% from March, and 5.9% year-over-year, partly due to mortgage interest rates crossing 5% for the first time in decades. Meanwhile, home prices in April rose 14.8%.

Home sellers are responding by putting more homes on the market in an effort to cash in before prices possibly begin to fall. Active listings, or homes listed for sale, are anticipated to grow 15% year-over-year in the second half of 2022. Home builders are stepping up production, too by about 5%, so buyers will have more inventory to choose from. Home sellers will have to become more competitive, which will invite wait-and see homebuyers back into the market. Housing sales volume for 2022 should be the second highest in 15 years, even though a decline of 6.7% from 2021 is anticipated.

With the unemployment rate near 50-year lows, wage growth should rise 3.8%, and flexibility to work remotely, even out of state, will continue. First quarter data showed that 40.5% of Realtor.com® home shoppers viewed listings located outside of their current state, up from 33.4% in 2020.

That said, affordability will remain an issue for many homebuyers as home sales prices rise 6.6% and mortgage rates reach 5.5% by the end of the year.

Whether you’re looking for your first home, forever home, or somewhere in between, ask your Berkshire Hathaway HomeServices Colorado Real Estate professional about our expanded home buying options. Our Guarantee Offer program can help turn your rental payment into a down payment, become a cash offer buyer, and even help you compare all your mortgage financing options, giving you the confidence you are receiving the best possible rate and terms. Contact us now at 303-905-8850 or visit BHHScore.com.

Posted by & filed under News from our Advertisers.

Offered by: Lloyd Worth, Worth Wealth Management

Market swings causing you some anxiety? These four money mantras can help you overcome it.

Whether it’s the continuing presence of the COVID-19 pandemic, a sudden boost in prices related to gas, food, housing and other essentials, supply chain hiccups, an uncertain labor market (or any number of other things), the stock market has certainly seen its share of ups and downs over the past six months. As always, it’s impossible to predict what the market will do on any given day. But at the start of a new year, it’s always a good idea to take some deep, measured breaths and focus on some basic money mantras. Doing so will help you push through any anxiety you may be feeling regarding your retirement account (no yoga pose required).

Mantra #1: I Am Investing for the Long Term

An old saying goes, “saving for retirement is a journey, not a sprint.” A volatile market can push the most experienced investors into making emotional decisions. However, it’s never a good idea to change your investments simply because of day-to-day volatility. Set a strategy that’s right for you and stick with it. Having a diversified portfolio can help you build confidence in your longterm plan — so don’t just throw it out the window during big market swings!

Historically, equity markets have trended upward over the long term. However, past performance is not a guarantee of future results. Investing involves risk, so you may want to consider working with a financial professional who can help you review your current tolerance for risk, keeping in mind your other financial goals.

Mantra #2: I Will Diversify My Portfolio

Putting your money into a variety of investment options that include different types of asset classes can help reduce risk. Generally speaking, if your dollars are invested in materially different types of investments (stocks, bonds and cash), and market conditions cause one of your investments to decline, all of your money shouldn’t be affected.

A simpler way to understand diversification is to look at the food you put on your plate. The more food groups and colors on your plate, the more nutrients your body consumes and the healthier you are. If, however, you only ate pizza every day, your body would suffer from a lack of key nutrients. The same is true for an investment portfolio’s diversification. Investors who put their money in only one type of asset (such as stocks) are at an increased risk for loss of principal due to a lack of variety in their portfolio.

Mantra #3: I Will Rebalance My Portfolio on a Regular Basis

Over time, market changes can lead to shifts in your portfolio’s asset allocation. For example, you may have started with a 75/25 stock fund-to-bond fund split, but changes in the market caused stocks to now account for 85% of your portfolio’s value. That’s why it’s important to periodically check your asset allocation to see if it aligns with your current strategy and risk tolerance. Keep in mind, you may also want to rebalance to a more aggressive or conservative allocation should your tolerance for risk change due to where you are in life or how close you are to retirement.

Mantra #4: I Will Seek Professional Help If I Need It

Many people consult with an investment advisor for guidance regarding their retirement plan investments. Lloyd Worth is happy to help you determine an appropriate investment strategy to achieve your financial goals that is based on your risk tolerance and time frame. He can be reached at (303) 558-0214.

Worth Financial Partners

This material was created for educational and informational purposes only and is not intended as ERISA, tax, legal or investment advice. If you are seeking investment advice specific to your needs, such advice services must be obtained on your own separate from this educational material. Kmotion, Inc., 412 Beavercreek Road, Suite 611, Oregon City, OR 97045; www.kmotion.com

©2021 Kmotion, Inc. This newsletter is a publication of Kmotion, Inc., whose role is solely that of publisher. The articles and opinions in this newsletter are those of Kmotion. The articles and opinions are for general information only and are not intended to provide specific advice or recommendations for any individual. Nothing in this publication shall be construed as providing investment counseling or directing employees to participate in any investment program in any way. Please consult your financial advisor or other appropriate professional for further assistance regarding your individual situation.

Posted by & filed under News from our Advertisers.

Offered by: City of Brighton Communications

The City of Brighton will again be hosting its popular large disposal and electronic recycling drop-off programs Trash Bash and Eco Event & Recycling for Brighton residents this fall. Trash Bash will be held on Friday and Saturday, September 23 and 24 from 9 a.m. – 5 p.m. at the Brighton Wastewater Treatment Facility (325 N. Kuner Road, Brighton Street entrance) and Eco Event & Recycling will be on Saturday, Sept. 24 at City Hall (500 South 4th Avenue, south entrance from Jessup Street) from 9 a.m. – 1 p.m.

The city will provide Trash Bash pick-up service for large item disposal for the elderly or those with special needs on Wednesday and Thursday, Sept. 21 and 22. To request a pick-up, please call 303-655-2087.

At Eco Event & Recycling, e-recycling (i.e. electrical equipment, laptops, cell phones) and secure document/paper shredding (with a suggested donation of $5) will be made available.

For a list of acceptable Trash Bash items, go to: https://www.brightonco.gov/728/Trash-Bash-Drop-Off-Program

For a list of acceptable Eco Event & Recycling items, go to: https://www.brightonco.gov/1316/Brighton-Eco-Event-Recycling

Both Trash Bash and Eco Event are for Brighton residents only. A City of Brighton water bill or suitable proof of residence (i.e., driver’s license) is required. For more information about the events, please call
303-655-2087.

Posted by & filed under News from our Advertisers.

Offered by: John Wilson, B.S., BC-HIS – Blue Ribbon Hearing & Tinnitus Center

Happy Anniversary to Blue Ribbon Hearing & Tinnitus Center! Five years ago, in September of 2017, we opened our office with the goal of providing hearing aids and other hearing-related products and services, with the best service and prices, for the best technology available. We are pleased to say it has worked and we are grateful to be able to contribute to our local community, economy and society. As a graduate of Fort Lupton High School, it has been wonderful to help many friends and family members of people I have known from the area for three decades. Being part of the community again after having moved away for college and work has been very fulfilling. Thanks to so many of you who read our articles in the Brighton Buzz and have called and visited our office. My family and I thank you, and encourage you to continue to support us as well as those who advertise in the Brighton Buzz. As small business owners, we are extremely appreciative of the loyalty shown to us. It is a pleasure to live and work in the Brighton area, and to be supported by so many citizens of Brighton, Fort Lupton and the surrounding areas.

Initially I had intended to focus this article on history of the business and the history of myself, John Wilson, the owner and founder of the company. However, recent events have introduced a very important topic that I have received so many questions about, that I felt it was more important to address that issue instead.

During the past week, everyone has been asking me what the impact on my business will be with the Over-the-Counter (OTC) Hearing Aid legislation that was just passed and announced, and is set to go into effect later this year. After attending a webinar on the subject, experts who have studied the two hundred page document are still not sure what is going to happen as the legislation is specific on few things and general on most things. The legislation will continue to allow the FDA to regulate prescription hearing aids as this currently does, but adds a new category of hearing aids that can be purchased without a prescription.

With prescription hearing aids, before devices can be purchased, an individual must have a complete audiometric evaluation, or hearing test. In addition to determining the hearing thresholds in each ear, this evaluation includes checking for blockages in the ear canal, abnormalities of the outer and middle ear, and other red flags indicating a number of illnesses and diseases. The most important piece of equipment used for testing, an audiometer, is required to be calibrated and certified annually. A licensed audiologist or hearing aid dispenser must divulge any abnormalities or red-flags to the patient so they could seek additional medical or surgical treatment prior to getting hearing aids. A completed hearing evaluation is valid for six months during which time a hearing aid could be purchased using the test and its results.

A licensed professional uses the test results along with numerous other specifics related to the patient’s physical ear canal characteristics, physical abilities and lifestyle to make a recommendation as to the best device or devices for the individual. Different styles and levels of hearing aid technology are available to ensure proper coupling of sound and optimal performance. Devices that have more bands for adjusting and fine tuning cost more, and provide for a more accurate fi t and better ability to adapt to background noise and varied listening environments.

Once purchased (or during a demonstration prior to purchase), hearing aids are programmed using the specifics from the patient’s audiogram to accurately address the hearing loss of the individual. Following the initial fitting, a number of follow-up appointments ensue where fitting and programming adjustments are made to maximize the performance of the device for the patient’s unique situation.

The new category of hearing aids, referred to as Over-the-Counter (OTC) Hearing Aids, can now be legally sold by companies and individuals who are not required to have a license to do so, whereas prescription devices can still only be sold by licensed individuals. The only requirements to purchase OTC devices are first, that they are to only be purchased and used by individuals over the age of 18, and second, the individual self-diagnoses themselves with a mild or moderate hearing loss. No hearing test is needed, and a seller cannot require a person to have a valid hearing test in order to sell them the devices.

Since the legislation does not change the current process for the majority of individuals who should be wearing hearing aids, it remains to be seen how this legislation will ultimately impact Blue Ribbon Hearing & Tinnitus Center. My opinion is that the new OTC devices will be more akin to the mail order or online devices that are currently sold as PSAPs, or Personal Sound Amplification Products. However, since most people wait until their hearing loss has passed the mild-to-moderate range addressed in the bill, we will continue to test and treat hearing loss as we have in the past. In addition, since a significant number of individuals have a temporary hearing loss caused by a buildup of wax or foreign material, we will continue to examine ear canals and remove wax on a regular basis.

Blue Ribbon Hearing & Tinnitus Center

Posted by & filed under News from our Advertisers.

Offered by: Wellyssa‘s Well

September is the month of balance. It is the month of the Autumnal Equinox, when once again, the hours of light are equal to the hours of darkness. The harvest season is beginning to wane, the pumpkins are ripe in the field – at least some people’s pumpkins are! Anyway – September is a great time to get your energy body back into balance, as the energies of the earth shift to a balance point, why not be in alignment with those global energies?

WHY?

  • The chakras are your body’s energy filters, and filters need clearing.
  • Dirty chakras may cause you to feel sluggish, slow minded and fatigued.
  • Damaged or clogged chakras may point to an underlying disease process that needs to be addressed.

CLEAR chakras strengthen and support your body’s processes.

BALANCED chakras allow greater access to divine energy, your connection to God, as well as clear thinking, and greater intuition.HEALING the chakras can bring closure to past life traumas, as the chakra system accompanies the soul on all of life’s journeys, past and present.

Let’s clear away what you’ve been building up through the year, and head into Autumn, clear and refreshed.

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

Posted by & filed under News from our Advertisers.

Offered by: Premier Pediatrics, Joseph M Smith MD

Safe Sleeping is important for prevention of Sudden Infant Death Syndrome (SIDS) and Sudden Unexpected Infant Death (SUID). Safe sleeping involves positioning infants on their backs for sleep and
sleeping in their own sleep space with no other people. A crib, bassinet, or portable play yard with a firm, flat mattress and a fitted sheet are best. Infants should not sleep on a couch or armchair or in a seating device (such as a swing or car safety seat except when riding in a car). Loose blankets, pillows, stuffed toys, bumpers, and other soft items should be kept out of the sleep space.

Babies who sleep on their backs are much less likely to die suddenly and unexpectedly compared to babies who sleep on their stomachs or on their sides. Even babies with reflux should sleep on their backs. A baby’s gag reflex will provide protection if reflux occurs. What about the difficult sleeper? Talk to your pediatrician about safe sleeping options for the baby who does not prefer back sleeping.

Once a baby can roll over onto its stomach, they are old enough to protect their airway. At this age, they should be placed on their back at bedtime, but do not need to be turned back over if they roll on their own. The sleep area should still be free of any objects that could block airflow in any way.

Remember, the SIDS rate has dropped by 60% since safe sleeping measures have been implemented. Let’s keep all of our precious babies safe through exercising safe sleeping practices!

Premier Pediatrics | Brighton Pedicatrican

Posted by & filed under News from our Advertisers.

Offered by: Integrity Insurance – Lisa Asmussen

I provide answers with an Annual Review of your Medicare Coverage

Why all the TV advertising about Medicare and zip codes and eligibility? Well, all types of Medicare Insurance coverage you can add to your Original Medicare (defined as Part A and Part B) are based on your zip code and county. So, call me, not the TV advertisement, you most likely will speak to someone that is not local and does not know the details about local doctor participation with Medicare. A better choice is to work with a local broker that has all of the information and who will be there for you after you enroll, when you want to ask questions, or if you need billing support.

Before the end of September, Medicare carriers of Medicare Advantage and Prescription coverage will send out the Annual Notice of Changes. I provide a review of this document with any plan just call for an individual review of your plan, we will go over the changes together.

All plans are priced based on the demographics associated with a person’s home address. Some cost relief is available to those with income and assets below-set state or federal levels. I help to guide anyone requesting eligibility for these programs.

Did you know that regardless of who you work with on your Medicare insurance there is no cost difference, and a broker works for you at no cost to you because the insurance companies pay the agent. A broker has the primary responsibility of matching your needs with the coverage that fits. Every year you should be reviewing your coverage to access the prescription and health services that meet your needs at the most reasonable rates.

Call me to get on the calendar for an annual no-cost review: Lisa Asmussen 303-887-8584

Integrity Insurance

Posted by & filed under News from our Advertisers.

Offered by: Melissa Rippy – Rippy Insurance Agency / Allstate

September is Life Insurance Awareness Month. Over the years, I have met people with varying opinions on life insurance. Some of the ones that stuck out most include “What do I care, I’ll be dead” or “I can’t afford it.” The truth of the matter is, your loved ones can’t afford NOT to have it! Life insurance isn’t for you; it’s for those you leave behind. If someone relies on your income to make ends meet, what will they do when you are no longer here to contribute? Life insurance is more affordable than you think, but certainly, the longer you wait to get something into place, the costs can rise. Life insurance is the last love letter you’ll ever write, because it means you cared enough to make sure your loved ones will be ok after you are gone. We offer complimentary life insurance reviews and partner with Doug Kierstein in our agency. Doug is a Personal Financial Representative with over 20 years of financial services industry experience. We are here to help you put a plan in place. Call or text 303.219.1470 or email melissarippy@allstate.com to schedule your review.

Our agency’s Little Free Mobile Library, Elsie, will be making a special trip to Barr Lake State Park on September 10th for the Fall Birding Festival. Be sure to stop by and check her out on your way to the festival!

On September 10th, we’ll also be a returning sponsor at the 6th Annual Be Heard Off Road Show, sponsored by the Colorado 4×4 girls. Funds raised from this show will go to Warrior Now, an organization assisting veterans with mental health, including suicide prevention and awareness. Head west and check out the cool rides at 30960 Stagecoach Blvd in beautiful Evergreen from 9:00 am to 2:30. You might even be a lucky winner of a rolling toolbox, winch or other great raffle prizes.

SAVE THE DATE and mark your calendars for Tuesday, October 4th. The Rippy Agency will be gathering at Copper Rail Bar & Grill to celebrate our 9th Anniversary in Brighton, as well as 20 years in the insurance industry for our agency owner, Melissa! Stop by 5 – 7 pm. We will provide food and a beverage for those who RSVP. Send a text to 303.219.1470 to secure your spot!

Allstate Rippy Insurance

Posted by & filed under News from our Advertisers.

Offered by: Jennifer Bell – Bell Benefits, LLC

If you’re about to turn 65, or you are already 65 or older, you are very familiar with the marketing efforts of various insurance brokers and companies. You will have a flood of mailers targeting you to call or respond in some way to an unknown sender.

I have clients who call me regularly because of questions that these mailers and commercials raise.
 e most common questions I get are about extra benefits and getting money back. I am hoping that in this brief article, I can bring some clarity to these advertisements and hopefully help you feel at ease with your current coverage.

If you are on a Medicare Advantage Plan, you have some or all of the extra benefits these commercials are referring to. The Medicare Advantage Plans are famous for providing benefits like dental, hearing, and vision coverage. They also might add in fitness programs for free gym memberships or in-home fitness kits. In addition to these extra services that you don’t get on Medicare alone, some will offer you credits to order over-the-counter items each quarter.

If you are not on a Medicare Advantage Plan, you may feel like you’re missing out on all the “free stuff ”. Here is my advice. You should choose a Medicare Insurance plan based on the type of medical coverage you want and not on all the added “fluff ”. If you need to be able to see doctors in two different states and those MDs take Original Medicare, then you might be best served with a Medicare Supplement. And of course there are other situations that would cause a Medicare Supplement to make more sense, like regular medical appointments, treatments, and procedures.

Each of you is unique and each person looks at medical coverage differently. You need to feel good about what you have. Please call me if you have any questions. I’m always happy to help.

Just give me a call or a text: 720-626-6524

Jennifer Bell | Bell Benefits