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Offered by: Melissa Rippy – Rippy Insurance Agency /Allstate

Did you know that one pint of blood can save up to three lives?

There is a blood shortage in our country that is the worst it’s been in more than 10 years.

When my dad was diagnosed with Acute Myleoid Leukemia in September of 2017, he underwent several blood transfusions in attempts to save his life. His AML was a type of blood cancer where excess of immature white blood cells or myeloid line of blood-forming cells is made by the bone marrow. We lost my dad on 12/27/17, but we did have more time with him, thanks to blood donors. Since then, our agency aims to help seek out donors by hosting blood drives in his honor. His heavenly birthday is on March 22nd, which will be our first blood drive of 2022.

You can sign up at www.vitalant.org and input blood drive code 10360. If you don’t make the signup for the first blood drive, have no fear because we’re hosting a second one the same week, with Children’s Hospital of Colorado. Each year at Children’s Hospital Colorado, 8,000 units of blood products are transfused into sick and injured infants, children, and teens. About 65% of the blood donate comes from blood drives like ours. Without this blood, many of the lifesaving procedures performed at Children’s Hospital would not be possible. We’ll have a signup sheet coming soon for Children’s, but in the meantime, you can reserve a spot by calling or texting 303.219.1470 or email melissarippy@allstate.com. All donors will also receive a goodie bag from the Rippy Agency and our co-sponsor, Safelite Auto Glass.

Thank you for your consideration with a life-saving blood donation. It’s about an hour of your time. It’s about LIFE and the one you save could be someone you know.

Allstate Rippy Insurance

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Offered by: Trinity Orthodontics

Before the Covid pandemic arrived in 2020, local orthodontist Dr. Bryan Nelson realized the need to simplify the orthodontic treatment process. He wanted make the process more efficient so families and individuals would spend less time (and money) going to and from the orthodontics office. He developed the proprietary F.A.S.T. system in 2019 and implemented it into his practices.

Using Invisalign treatment has allowed him to significantly reduce the treatment time and number of appointments needed to complete treatment. Traditionally, treatment time is around 28-36 months (about 3 years) and 23 appointments.  at is a lot of time spent away from work or school. In fact, over the course of treatment it adds up to 69 hours – that’s almost the equivalent of two weeks vacation time, not to mention ‘soft costs’ – gas and wear and tear on your vehicle.

Dr. Nelson is so advanced in using Invisalign, even for the most difficult cases, he can finish most cases in 12-14 months and just 8-10 appointments. Often patients are done in 8 months and just 5-6 appointments!

Covid has changed the way people access healthcare and having the FAST system in place has allowed Trinity to offer highly efficient treatment in less time.  e results are better than ever! As Dr. Nelson has become more precise in his digital case planning with Invisalign, he is producing extraordinary results and patients are delighted with their new smiles.

Trinity Orthodontics | 504 S. 4th Ave, Brighton | 303-427-5000
www.trinityorthodontics.com

Trinity Orthodontics

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Offered by: Tim Roberts – Edward Jones

As you prepare your tax returns before the April 18 filing deadline, you’ll want to be up to date on changes that could affect you. Here are some issues to discuss with your tax professional:

  • COVID-19-related distributions and recontributions – If you took a coronavirus-related distribution (withdrawal) from a retirement account, such as a 401(k) or IRA, in 2020 and chose to spread the amount equally over three years, you need to include the relevant part of the distribution on your 2021 tax return, so you should bring your 2020 Form 1099-R to your tax advisor. You can recontribute your distributions back into any retirement account eligible to receive a rollover for up to three years after you received the initial distribution. So, if you haven’t already done so, you can still recontribute to your 401(k) or IRA up until the April 18 filing deadline – and by doing so, you could reduce your 2021 taxes. (Your tax professional will know what forms and documentation you’ll need for this recontribution.)
  • Return of RMDs – In 2020, the Coronavirus Aid, Relief and Economic Security (CARES) Act suspended the required minimum distributions (RMDs) from retirement accounts that people over a certain age typically must take. But RMDs returned for 2021 and had to be taken by Dec. 31, unless your birthdate is between July 1 and Dec. 31, 1949, in which case your starting date was delayed until April 1, 2022. So, if you had an RMD for 2021, bring your 2020 Form 5498 or your 2021 retirement account statements to your tax professional to calculate the required RMD. You’ll also want to provide your 2021 Form 1099-R to report the amount of RMDs taken.
  • Charitable contributions –  The CARES Act authorized a deduction for cash contributions to qualified charities for those who don’t itemize. For 2020, the maximum deduction was $300; this provision has been extended for the 2021 tax year, with a new provision allowing a $600 deduction for joint filers. If you do itemize deductions, be aware that the CARES Act also suspended the 60% of adjusted gross income limit for cash gifts in 2020, a change that has been carried over to 2021.
  • Child tax credit – For 2021, you can claim up to $3,600 for children younger than 6 and up to $3,000 for children ages 6 to 17. This tax credit is refundable, which means you can receive it even if it’s larger than the amount of taxes you owe.  e credit phases out at certain income limits.
  • Child and dependent care credit – This credit is more substantial in 2021 – up to $4,000 for one qualifying person and up to $8,000 for two or more.  is credit is also potentially refundable, but it phases out differently than in previous years, so you’ll want to go over your dependent-care expenses carefully with your tax professional.

And last, but certainly not least, review your IRA contributions. There aren’t any changes for 2022, but you can still fund your traditional or Roth IRA for the 2021 tax year up until the April 18 deadline.

See your tax professional soon to ensure you’ve got everything in order. Staffing shortages at the Internal Revenue Service (IRS), combined with a heavy workload due to pandemic-related programs, may slow down processing of returns, so consider getting your taxes done as soon as possible – especially if you’re anticipating a refund.

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor.
Edward Jones. Member SIPC.
Edward Jones, its employees and financial advisors cannot provide tax advice. You should consult your qualified tax advisor regarding your situation

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Offered by: Jan Hepp-Struck, Hepp Realty

As a homeowner, you have homeowner’s insurance, and so you assume that you’re covered in the event something like the Marshall Fire happens and destroys everything. But are you? The stark reality that many homeowners are facing in the wake of that devastating fire is that they are under-insured, some by a little, but many by a lot. And those who are underinsured by a lot are now facing the reality that they
may not be able to afford to rebuild.

This inequity is, in large part, a product of the skyrocketing home values we’ve seen over the past decade. But more than just that, it’s also the cost of goods and materials of both the structure itself and your belongings. No, I’m not in the insurance business, but as a realtor who is there for my clients before and after the sale, I would not want to see anyone else have to face what so many of our neighbors are currently dealing with. I encourage you to check in with your insurance agent, request a review of your coverage, and at the very least make sure you understand what is and is not covered, and where any gaps in coverage may exist.

A few things to consider during this process, especially with so many people now working from home, will your insurance cover items specific to your job or business, or do you now need to have an additional rider or separate policy altogether. It’s best to educate yourself now rather than find out after the fact that you “coulda, woulda, should a” have made some changes to better protect yourself.

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: Jennifer Bell – Bell Benefits, LLC

So many people are working until their full retirement age to maximize their monthly Social Security income check. When this happens, generally enrolling in Medicare is delayed because of coverage from an Employee Group Health Plan (EGHP).

If you have an EGHP that provides credible coverage for Medicare Part B and Part D, there may not be a reason to pay the extra Part B monthly premium. If you have chosen to delay Medicare Part B, there are a few things you need to do when adding Part B.

A couple of months before you plan to lose your EGHP, you need to apply for Medicare Part B. There are two forms that you need to complete for this process: form 40B (Medicare Part B application) and form L564 (Request for Employer Information).

On the form 40B, you can specify the month you want Medicare Part B to start in the Remarks section. If your EGHP covers you through the end of June, you will want Medicare Part B to start July 1. If you’re EGHP ends mid June, you want Medicare Part B to start June 1. Medicare will only start on the 1st of a month.

The form L564 will provide proof that you’ve had credible coverage since turning 65. This form needs to be done for each person applying for Medicare. If you are a couple who have both been covered on an EGHP through one person’s employment, each person needs a form L564 completed by that employer.

You can do a quick search online to find these forms or you can reach out to me and I can email them to you. As always, I’m happy to help answer any of your Medicare questions: 720-626-6524.

Jennifer Bell | Bell Benefits

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Offered by: Heidi Anderson, Zing Specialist at Brighton Clinic of Chiropractic

Having a child that struggles with reading, comprehension, or sitting still at school is hard stuff. Each day can bring new challenges with either the lesson material or because learning while sitting is just not your child’s thing. As a mom of a child with ADHD, I understand, I have been there and spent years trying every strategy and new idea that came up on the subject. We tried weighted lap bags, timed breaks, clear directions, medications, you name it.  ings would help in some areas but not in others. So imagine my surprise when this last summer on a business trip we discovered a Brain Program called Zing Performance!

Zing was created and heavily researched out of a need to help kids and adults like my child. Zing is an exercise based program that individuals do at home 2x a day with the use of their personal device. Monthly assessments track progress and update the assigned exercises.  The data that continues to come in on this program is blowing my mind and changing lives daily. It has been so exciting to be part of a program that is making a difference within months and without the need for medications.

If you are interested in seeing if Zing is for your family, we start with two assessments, an Eye Tracking Assessment and an Insight Assessment, both to determine skill levels. Feel free to call Brighton Clinic of Chiropractic at 303-993-6092 for more information!

Posted by & filed under The Buzz.

Offered by: Susan Kline – The Brighton Buzz

Susan Kline

Waking up to below zero temperatures and more inches of snow hardly seems like Spring is in the air! However, the chirping birds outside my window let me know it may be just around the corner! The momentum for this favorite season is definitely building as we’re all excited for the warmer weather and spending more time outside! The exhilaration of the coming Spring can be the impetus for us to transform wistful thoughts into action!

It’s time for all those projects you’ve been thinking of doing these last few months to take legs toward the planning stages. Getting quotes for all your home remodeling inside and out is a good place to start. Our March issue pages are filled with valuable resources to help you with that. Now is the perfect time to do your research before the Spring/Summer rush starts for our contractors.

The Spring real estate market is already hot with limited inventory, good interest rates, multiple offers, and short time on the market. If selling your home and finding your dream home is part of your upcoming plans, contact our experienced realtors who are ready to help you turn your dreams into realities.

As always, we encourage you to read through the magazine to see what’s new in the area, upcoming events, news, and resources for every aspect of your lives.

Spring Into Action This March!

~ Susan Kline

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

National average 30-year fixed rate mortgage interest rates have been at or near record lows for a decade. They should stay low forever, right?

Economists predict that rapid inflation is among the reasons the Federal Reserve will start raising overnight borrowing rates to banks, which will, in turn, raise interest rates to consumers and businesses when they borrow money.

Inflation is measured as the annual rise in the cost of living. When inflation rises more than 2%, there are numerous consequences. Goods cost more, causing workers to seek higher wages. This can cause uncertainty for businesses that may slow their investments down as a means of demonstrating caution. Interest rates go up to increase borrowing costs in order to slow down consumer consumption. Mortgage interest rates will increase, and things can change quickly for homebuyers and sellers.

Consumer behavior during inflationary periods is unpredictable. Some consumers decide to pull back and not make new purchases, while others leap in to make purchases before prices go up any further. This is one of the reasons why the demand for housing is driving up home prices. Interest rates have been unnaturally low for over a decade, so the anticipation of rising interest rates has some homebuyers scurrying to get in a home before home prices go any higher.

Eventually, homebuyers reach their pain threshold and the market for homes can slow down suddenly and dramatically. Once demand ebbs, prices begin to come down. Borrowing rates won’t come down as long as inflation is higher than 2% to 3%, but eventually, low market activity will cause borrowing rates to fall. Lower housing prices coupled with lower interest rates are irresistible and homebuyers will flock back to the market.

The ebb and flow in demand and affordability are constantly changing. To illustrate changing mortgage interest rates and their impact on your monthly payment, consider what a difference even a small rise in interest rates means to you.

If you take out a mortgage for $400,000 with a benchmark fixed-rate 30-year mortgage with a commitment rate of 3%, your principal and interest payment would be $1,686.42. Assuming you make all 360 total payments, you’ll pay $207,109.81 in interest over the term of the loan. That’s $400,000 you’ve paid back plus 207,109.81 in interest for a total of $607,109.81.

If interest rates go up, say to 3.25%, your payment will be $1,740.83 and the total interest you’ll pay will be $226,697.10. With just a quarter point rise in interest rates, that’s a difference of $54.41 more per month and an additional $19,587.29 in interest.

What if interest rates go up as economists predict? If you’re interested in buying a home, mortgage rates are unlikely to stay low much longer, but you have to weigh that against current home prices and whether or not you want to take the risk that they’ll rise further or whether it’s better to wait and see what happens.

It’s said in real estate that it’s always a good time to buy a home. Even if the value of your home goes down because of market fluctuations, eventually it will recover and hopefully deliver a profit to you when you sell.

If you are thinking of selling your current home and buying your next home or are just curious about the current market value, our premiere home valuation site is a great starting point. Visit BHHScore.com for a free instant estimate or call us at 303-905-8850 to talk with someone who is knowledgeable about real estate and your neighborhood.

Berkshire Hathaway

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Offered by: City of Brighton Communications

To kick off the new year, the City of Brighton recently launched a website redesign that is easier to navigate, more efficient and visually-engaging for the public to use. The new www.brightonco.gov website features a modern look and user-centered layout focused on connecting city services and resources for community stakeholders, while also incorporating public input during a recent website survey.

“For many in our community, the city’s website is the first step to get the information they need,” said Kristen Chernosky, Director of Communications and Engagement. “The hope is the redesign will create a more user-friendly experience for those individuals to get the answers and resources they need. This reflects our commitment to making that online experience as accessible as possible.”

All of the existing features and services of the former website, like paying a utility bill and reporting a concern, are still available on brightonco.gov. The city’s last redesign was launched in 2018. The city receives approximately 550,000 viewers and 1 million page views a year on average.

If you have questions or feedback on the redesign, please contact communications@brightonco.gov.

City of Brighton

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

Tinnitus, or ringing in the ears, is generally defined as a sound that is perceived by an individual that does not come from a source outside of the body. Millions of people experience tinnitus. The cause for each individual varies. Tinnitus is a type of warning to the individual experiencing it that something is not working correctly in the body. High blood pressure, vascular issues, cranial trauma, toxicity, chemical imbalances and hearing loss are all potential causes of tinnitus. Recently, many people who have recovered from Covid-19 have reported new or increased tinnitus symptoms.

At Blue Ribbon Hearing & Tinnitus Center, we strive to help each individual better understand what may be causing their tinnitus and help find solutions that lead to relief. Studies from the University of Nottingham indicate that the sooner an individual treats their tinnitus, the more likely treatments are to be effective, and the better long-term results will be. Individuals who have successfully treated tinnitus have reported increased ability to concentrate, increased energy, less fatigue, improved sleep, less irritability and more patience.

The impact of tinnitus on an individual can range from a minor annoyance to an overwhelming burden. Determining the cause is the first step to finding relief. For some, the problem can be as simple as wax buildup in the ear canal, and in that case having the wax professionally removed can solve the problem. Others who may have a medical condition may find relief by working with their doctor to change medications or dosages. Individuals who have experienced physical trauma may find relief through chiropractic care. For many, treating hearing loss can lead to immediate relief from tinnitus.

Ninety percent of individuals with tinnitus have an associated hearing loss, and most individuals with tinnitus have a hearing loss that they are not even aware of. Often, a person will report that they cannot seem to hear or understand people speaking because the tinnitus interferes or blocks out other sounds.  is perception is quite common; however, in these cases the hearing loss is the cause of the tinnitus as opposed to the tinnitus causing the inability to hear or understand. Most of the time, simply treating the hearing loss will lead to diminished tinnitus and often will get rid of the tinnitus completely.