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Offered by: Melissa Rippy – Rippy Insurance Agency / Allstate

It’s hard to believe August is here and school will be starting in just a few weeks. As the world has slowly opened up, we hope you all have enjoyed getting back out and exploring new places, events and more.

With the help of Vitalant Blood Donations, we hosted our second blood drive on July 19th with our co-sponsor, Safelite Auto Glass and had several first-time donors join us to help save lives. Our next blood drive is October 11th and we’d love to have you join us!

Our Summer has been filled with car shows, community events and more. Andrea and I enjoyed the return of Ye Olde Auto Club’s 12th Annual Car Show where they had over 100 cars. I even took my 1954 Ford Customline to the show to join the fun. We are looking forward to Holy Rollers Charity Car Show in Broom eld on August 21st. They are expecting over 200 cars! WOW! The Rippy Agency will be giving away some amazing prizes that include a rolling Craftsman tool box and more, but you have to stop by our Hagerty tent to be entered to win.

We are looking forward to the Camp Out on August 7th where families can experience the outdoors for just $10 and tents will be provided. Be sure to sign up!

Mark your calendars for August 13th and come on down to Brighton Oasis from 5:30 to 8:30 for Adult Night with no kids allowed. Stop by the Rippy Agency booth to say hello!

Allstate Rippy Insurance

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Offered by: Iris Fern Boutique

Iris Fern is a unique boutique, offering shabby chic, modern farmhouse, homemade and locally made products. Join us as we get ready for the fall season as we share our autumn collections with you. Adorn yourself with a comfy fall outfit and decorate your home with our decorative pumpkins, autumn garland, wood display risers and cake tins with bead trim. Enjoy our adorable and funny tea towels or pick out a new autumn lantern. Don’t miss out on our fun fall art and wreaths. Come join us at the Iris Fern pumpkin patch the two weekends before Halloween. Get a picture of your adorable little pumpkins surrounded by our pumpkin patch. Enjoy S’mores, hot cider, popcorn, and so much more as we ring in the beauty of fall together.

We are offering a free seminar about stress management at Iris Fern located at 617 East Bridge Street, Brighton, CO 80601 on Thursday September 2nd at 5:30pm. Please call ahead to 720.520.9913 to reserve your seat, as space is limited.

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Offered by: Jan Hepp-Struck, Hepp Realty

Whether you believe we are post-pandemic or not, there isn’t any doubt that it’s still impacting the housing market. We are still deep in a seller’s market where it’s not uncommon for a seller to receive multiple offers over the list price as soon as it’s listed. Existing home inventory is low, mortgage rates are fluctuating a bit, but still staying in historic low range, and though new builds are happening, both labor and supply shortages are proving to be obstacles slowing things down a bit.

So, is it really necessary to spend money and the effort on home improvements before selling if houses are going so quickly anyway? Well, unfortunately there’s no really simple way to answer that in the current, and somewhat unprecedented, residential real estate landscape. In this current market situation, there are many factors to take into consideration before answering this question, and it truly is a decision that should be discussed with your realtor to make sure you are making the best decision possible for your home and situation.

That said, there are a few things you can, and definitely should do, that don’t involve additional investment.

Declutter: paring down the amount of visible stu will open the space up and make it look bigger and lighter. “Unstuffing” your storage space will give the impression of plenty of storage space, whereas, overly stuffed storage spaces will leave the potential buyer with the impression that the house doesn’t have adequate storage.

Clean and Fix: Do a thorough cleaning from top to bottom, and if something is broken, repair it so potential buyers don’t get the impression the home hasn’t been cared for and is in disrepair.

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

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Offered by: Tim Roberts – Edward Jones

Like most people, you may have several financial goals. But can you reach them all?

It would be simple if you had great wealth. But you’ll likely need to rank your goals in terms of their importance to your life and then follow appropriate strategies to achieve them. By doing so, you may end up getting pretty close to covering each of your objectives, in one way or another.

When prioritizing your goals, consider following this process:

  • Identify goals as “must have” or “nice to have.” Making sure you don’t outlive your resources is a must-have goal, so you need to be as certain as possible of achieving it. On the other hand, a nice-to-have goal might be something like buying a vacation home. If you don’t attain the money needed for this goal, you do have room to compromise, perhaps by scaling down to a smaller home in a di erent area or just renting a place for a few weeks a year. Having this  exibility can provide a psychological bene t, too. Since this goal doesn’t have an either-or outcome, you won’t have to feel that you failed if you don’t get the big vacation home – instead, you can still enjoy the results of your investment efforts, even at a more modest scale.
  • Put “price tags” on your goals. You need to know what your goals will cost. Even if you can only make an estimate, it’s essential to have some figure in mind. As time goes by, you can always revise your projected costs. To arrive at these price tags, you may want to work with a  nancial professional who has the tools and technology to create hypothetical illustrations and scenarios.
  • Follow an appropriate strategy.  The nature of your goals and their estimated cost will drive your investment strategy. So, for example, using the must-have goal mentioned above – the need to avoid outliving your money – you’ll want to balance your growth objectives with your comfort with risk, as well as maintain an appropriate withdrawal strategy when you’re retired. However, for a nice-to-have goal, such as your large vacation home, perhaps you don’t need the same urgency – consequently, with part of your portfolio, you might be able to take more risk in hopes of greater returns. And if you fall short, you can always go with Plan B – i.e., the smaller home or the rental experience. But if your “nice to have” is closer to a “must have” in this area as well, you might want to focus less on achieving greater returns and instead look at ways of adjusting your budget to save more.
  • Monitor your results. As you pursue your goals, whether must have or nice to have, you’ll want to check your results regularly. If you think you’re not making enough progress toward your desired goal, you may need to make adjustments. But don’t overreact to short-term swings in the financial markets or in the value of your portfolio, or take on an inappropriate amount of risk. When trying to reach your goals, you can alter your path, but it’s usually not a good idea to change directions altogether.

The decisions involved in identifying, prioritizing, and achieving your goals can be somewhat involved. But by following a well-designed process, you can help yourself get to where you want to go.

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

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Offered by: Jennifer Bell – Bell Benefits, LLC

When you turn 65, you have a small window of time to get on Medicare without being penalized financially. If you do not have any other health insurance in place, then you must enroll in Medicare sometime during your initial election period: 7 months total = the 3 months before your 65th birthday month through the end of the 3rd month following your 65th birthday month.

If you have health insurance from an Employer Group Health Plan (EGHP) and your employer has more than 20 employees, chances are you have credible coverage. You should definitely ask your HR department though.

When you have credible coverage, you are not required to go on Medicare. The credible coverage you have through the EGHP will allow you to delay your Medicare start date without a penalty.

Medicare has two parts, Part A and Part B. Part A is what you pay into while working in the US. It doesn’t cost anything (to those who qualify) once enrolled in Medicare. Generally, I recommend that when you turn 65, you go ahead and enroll in Medicare Part A if you are staying on an EGHP. This helps when you retire and are required to go on Medicare. Adding Part B is pretty easy and the transition to Medicare is simpler because you already have your Medicare number.

In order to do this, you can enroll online through Social Security at www.ssa.gov. You will need to create an account first before you can enroll. Once you create an account, all of your statements will convert to electronic statements.

As always, if you have any questions or this is confusing, please call me. I am happy to help. 720-626-6524.

Jennifer Bell | Bell Benefits

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Offered by: Bellco Credit Union

With beautiful Colorado summer weather all around us and social gatherings finally allowed, now is a great time to spruce up your home’s outdoor spaces.

Whether you want to create your own personal outdoor oasis or a unique space for entertaining, updating your outdoor living area can be incredibly fulfilling – and also a smart investment.

For a full redesign of an outdoor space, homeowners might expect to spend up to 10% of their home’s value. Just want to do a little refresh? Even smaller investments can make a big difference.

Whatever your goals, the equity in your home may be able to help pay for improvements.

The average Colorado homeowner has gained a significant amount of equity over the past three years. Using a home equity line of credit (HELOC) can provide you with the ability to access the funds needed to update your outdoor space. You simply borrow against the increased value in your home to fund the improvements, which can be a smart move as those updates can also add to the overall value of your home.

Bellco Credit Union offers a unique HELOC product called ChoiceLine. For a limited time, homeowners can get a fixed rate as low as 3.99% APR on a Home Equity ChoiceLine advance of $10,000 or more*—a better option than paying with high-interest credit cards. And lines of credit make it easy to access the funds as you need them for your projects.

To learn more, visit Bellco.org/ChoiceLine or stop by Bellco’s Brighton Branch, located at 450 E. Bromley Lane in the Palizzi Marketplace, to speak with a Financial Specialist.

Bellco_BankingforEveryone_Logo
Bellco is an Equal Housing Opportunity Lender.
*LIMITED–TIME OFFER. The 3.99% APR for the Fixed Rate promotion is available to anyone who qualifies and advances at least $10,000.00 from the available line of credit at the time the Fixed Rate Subaccount is opened. Conditions and restrictions apply. This offer can end at any time. Membership eligibility required. All loans subject to approval by Bellco. Variable Annual Percentage Rate (APR) for well-qualifi ed borrowers as of 07/01/2021 is 3.75% and is subject to change without notice. Maximum APR for variable rate advance is 21%. Variable rate may change after account

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Offered by: Susan Kline – The Brighton Buzz

It’s really amazing how quickly our Summer months speed by.

Just about the time we really start to enjoy Summer, it’s time to get kids ready to go back to school. This year, however, brings with it an excitement of how good it will be for our children to actually go back to school and learn in person with all of their friends!

While Covid still has the ability to alter any best-laid plan, it would seem like we can begin to take major steps toward getting our lives closer to what might be a more normal lifestyle. This is definitely a reason to rejoice!

Our August issue has many wonderful resources and ways to take advantage of our long-awaited opportunity to open up our schedules and look on the brighter side of our existence. Be sure to read completely through it and see what’s there for you to enjoy!

All The Best This August!

Susan

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

According to a new survey from the National Association of REALTORS®, millennials (born between 1981 and 1996, Pew Research), also known as Gen Y and Echo Boomers, are the largest homebuying segment at thirty-seven percent. While millennials have been the largest share of homebuyers since 2014, the survey also found that they are most likely to be first-time homebuyers.

The lingering economic impacts of the Great Recession and the pandemic have caused millennials to delay homeownership. They’ve lived with parents, relatives, or friends for longer than any other modern generation, saving enough for a down payment on a home of their own.

The economy and pandemic have also impacted a larger number of homebuyers (18%) to purchase a home big enough to house multiple generations. Households often include adult siblings, adult children, parents, and/or grandparents. Pooling resources allows family and extended family to save money on housing, quarantine together, share cooking, housekeeping, and maintenance duties, and provide care for children and elders.

While many millennials work from home, they also commute. Deciding where to live depended strongly on the quality of the neighborhood, but also on convenience to get to their workplaces and avoid long commutes. Fifty-seven percent of millennial homebuyers wanted to be closer to family and friends.

As a seller, what can you expect? Extensive virtual tours are a good idea for your marketing. Put your home in the best possible repair and update it with fresh cheerful paint and new appliances and fixtures wherever possible.

If you’re considering buying or selling a home, call us at 303-905-8850. We’ll make sure you talk with someone who is knowledgeable about real estate and your neighborhood so you can make the decisions that are best for your family.

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Offered by: Tim Roberts – Edward Jones

Now that we’ve gained at least some space from the COVID-19 pandemic, summer travel is heating up. But while you might be eager to hit the road, you won’t want your investments to take a vacation – you need them to work hard for you consistently. But how can you make this happen?

Here are some ideas:

  • Know your destination.“If you don’t know where you want to go, then it doesn’t matter which path you take.” This bit of wisdom, paraphrased from the classic children’s book, Alice’s Adventures in Wonderland, may be appropriate for, say, hikers exploring a new landscape. But as an investor, it matters a great deal which path you take. If you only dabble in investing, occasionally putting some money into one investment or another, it will be difficult to build a portfolio that’s consistently working in your best interest. It’s important to create a long-term investment strategy based on where you want to go in life – that is, how long you plan to work, what sort of retirement lifestyle you envision, and so on.
  • Match goals with investments. Some investments are designed to achieve certain goals. To illustrate: When you contribute to an IRA and a 401(k) or similar employer-sponsored plan, you’re investing for one specific, long-term goal: a comfortable retirement. While you can tap into these accounts for other purposes – though doing so might incur immediate taxes and penalties – they are designed to provide you with income during your retirement years. Similarly, you may have other investments for other purposes, such as a 529 education savings plan. Here’s the key point: Goals-based investing, by its nature, can help ensure your portfolio is always working on your behalf, in the way you intended.
  • Invest for growth. Ideally, hard work produces results, and one of the main results you want from your investments is growth – that is, you want your investments to appreciate in value so they can eventually help you meet your goals. But if you are overconcentrated in vehicles such as certi cates of deposit (CDs) and government securities, you may end up lowering your growth potential. That’s not to say that CDs and Treasury bills are in some sense “lazy.” They can provide you with income and help you reduce the impact of market volatility on your portfolio. But to achieve most of your goals, you’ll need a reasonable number of growth-oriented investments working for you, with the exact percentage based on your needs and life stages.
  • Check your progress. How else can you ensure your investments aren’t just taking it easy? By checking up on them. If you follow a buy-and-hold strategy, your portfolio shouldn’t require many changes if it already reflects your goals, risk tolerance and time horizon. Too much buying and selling could jeopardize your ability to follow a consistent, long-term strategy. However, “buy and hold” doesn’t mean “buy and forget.” By reviewing your portfolio at least once a year, you can determine if your investments are performing as they should. If they’re not working for you as you’d like, you may need to make some changes. If you’re traveling this summer, relax and enjoy yourself – but keep those investments working hard.
This article was written by Edward Jones for use by your local Edward Jones Financial Advisor.
Edward Jones, Member SIPC

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

In the United States of America we celebrate Independence Day on the 4th of July. It is a national holiday that serves
as a reminder of the birth our great nation. Celebrations of the holiday include family gatherings, parades, rodeos, and
of course,  reworks. Many community celebrations in parks and stadiums across the country feature patriotic songs. Along with our national anthem, “The Star Spangled Banner,” many musical artists perform classic patriotic songs, and over the years new songs have been written and become part of popular culture. These songs remind us of the sacrifice of countless men and women whose blood and lives were lost fighting for and protecting freedom.

One song, “My Country, ‘Tis of Thee” contains the line “from every mountain top, let freedom ring.” Unfortunately, for many who have protected our freedom, they have been left with a lifetime of ringing in their head or ears. This ringing is known as tinnitus. This may be caused by loud noise exposure from equipment, machines, gun fire or other explosions that damage to the individual’s hearing.

Along with hearing loss, tinnitus is a symptom of multiple other conditions. Hundreds of medications list tinnitus as a potential side effect, including the common medication aspirin. High blood pressure, nutrient deficiency, stress, traumatic head injuries, and toxicity in the body can all contribute to tinnitus.

The severity of tinnitus can range from a mild intermittent annoyance to a constant overwhelming screech. For some, the tinnitus can be ignored while for others it impossible to block out. Many healthcare professionals have been taught nothing can be done to treat tinnitus. However, because tinnitus is a symptom of multiple different issues, quite often solving the root problem can alleviate most, if not all of the problem, depending on the cause.

Most people who experience tinnitus have hearing loss. Treating the hearing loss can often lessen or even eliminate
tinnitus. Recent studies have shown that those who have it treated sooner experience greater long-term relief. While results vary for each individual, some patients I have personally helped with tinnitus over the years have expressed that when their tinnitus subsided, they experienced other improvements, such as increased focus, decreased fatigue, less irritability, more patience, and improved sleep. The benefits may take time to experience as the tinnitus is interrupted, or may be immediate, such as when a temporary hearing loss is eliminated after removing a blockage of impacted wax.

At Blue Ribbon Hearing & Tinnitus Center we desire to help find relief from tinnitus symptoms. The first step to determining a potential cause of an individual’s tinnitus is a consultation, ear canal examination, and hearing screening. So if you or someone you know suffers from tinnitus, please give us a call. In the meantime, protect your hearing, especially when celebrating with fireworks, and remember to thank those who have served protecting our freedoms in the military and law enforcement.