Offered by: Thomas Gierwatoski, Pharmacist – Platte Valley Pharmacy
If you are curious about the many benefits of CBD and how it could benefit you please give me a call and I’ll try to answer any questions that you have. However, I want to talk to you about CBD for pets.
Full Spectrum Hemp Extracts contain numerous canabinoids (CBD), along with phytonutrients, terpenes, and trace amounts of THC. These compounds work together to exert an entourage affect on the endocabinoid system (ECS). Our four legged friends have an ECS very similar to our own. Much like in humans this system helps to regulate normal cellular functions and promote homeostasis and good health in our pets.
If your animal is suffering from pain, stiffness, aggression, nausea, or any form of anxiety, CBD may help lessen their symptoms. However, be cautious about the THC levels in the products that you are giving them. THC is the psychoactive canabinoid found in marijuana, and animals are very susceptible to THC toxicity, which can often times lead to serious complications or death. At Platte Valley Pharmacy we carry separate lines of Full Spectrum Hemp Extracts, that contain less then 0.3% THC, and are formulated specifically for both animals and their humans.
Offered by: Dan Cochran – The Haven Team, Keller Williams
Daydreaming about owning your own home is one of the most intoxicating practices known to modern man, especially now that HGTV and all the house flipping shows make it look like a cake walk. But when the time comes to actually put your money where your daydream is, it can be challenging for first-time buyers especially to understand how a home that doesn’t currently come anywhere close to “dream” status could be whipped into shape — and how a home that they think is perfect now will end up feeling like a mistake in a couple of years.
To avoid that unfortunate scenario, first-time buyers will need to think carefully and weigh all of their options. After considering all of these factors, you’ll be well-prepared to choose a house that feels like home today and for years to come.
Price: First and foremost, you need a home that you can afford. There’s no sense in deciding that you must have four bedrooms when the most you could afford in your market is two. It is very important to start with your budget and then visit a lender.
Beds, baths, and size: You know what size your household is and whether it’s likely to grow in the future. You also know how much space you’re likely to need based on your own current household’s configuration.
Special features: Once you understand your basic requirements for a home, you can start thinking about additional features that you’d like it to have.
Location matters – a lot: Smart first-time buyers will want to think beyond a school district when choosing a home. How close is your home to major highways in the area (and is that a good thing or a bad thing)?
Is that really a “bargain”? If you’re faced with a choice between a home that seems like a bargain but requires some fixing-up and a home that’s more expensive but requires little or no work, which should you choose?
I would love to be your real estate partner to help you find your next home. If you are interested in knowing what your current home is worth, feel free to contact me to complete a free home market analysis for you.
For more information about finding your dream home please reach out to me any time. I would be honored to be your real estate professional. Your Home is your Haven! Dan Cochran, The Haven Team with Keller Williams 1st Associates, 303-709-3501.
There are 1,500 nation days! National Happiness Happens Day is observed each year on August 8th. The purpose is to stimulate people’s right to express happiness.
This year, to share happiness, the Brian Holley Agency will be having a Happiness Happens event at the new “In The Dog House” eatery located at 617 E Bridge St, Brighton, CO on Thursday August 8th from 5pm-7pm. We will be offering discounts, ice cream sundaes and drawings for prizes. Including 2 tickets to a Colorado Rockies game at Coors Field!
The truth is Happiness does not “just happen.” According to the great economist Thomas Sowell, in his book “A Conflict Of Visions” there are two types of people: those of us who expect good things to happen naturally, and if they do not blame others and institutions. The other type of person, according to Sowell, are those of us who expect to have to make efforts for good things to happen and give credit to those who help. To summarize Sowell, it is our lifestyle choices and behavior which may bring us happiness or unhappiness.
The Declaration of Independence proclaims we all have an inalienable right to pursue happiness. There is no guarantee, or right, from our government or other institutions to which we are entitled to be happy. As the great Abraham Lincoln is attributed as saying, “Folks are usually as happy as they make up their mind to be.”
And we hope you make up your mind to join us Thursday August 8th, and we will do our best to share a little happiness to you!
This Summer has gone by so quickly and we’re already nearing the time when the kids in the area will be Back to School. Between vacations, camping trips, sporting events, and generally enjoying being outside, it seems like there’s never enough time for all our summer activities. A good thought might be to think about making the most of August. Whether you make a list of new things to do or just enjoy more what you are doing, you can cherish these remaining summer days.
Our North Eastern Metro area just continues to grow. There is such possibility for all of us in that growth. Read through this issue seeing what’s new on the horizon and how our resources have expanded with the growing population. We appreciate the new advertisers we’ve gained and hope that you use them for all of your needs.
Our amazing Farmer’s Markets are coming into Harvest time so don’t miss the opportunity to have outstanding produce on your table every night. Palizzi Farm, our cover advertiser is having their Corn & Chili Harvest Event from August 30th – September 2nd. Stop by and enjoy the delicious food, entertainment and fireworks on Sunday, Sept. 1st. Most of all, treat yourself to some Summer Fun!
Don’t let financial fears paralyze you into a state of indecision; it’s
time to take the reigns and regain control of your financial future.
Offered by: Brian Engle – Prudential Advisors
As the economy has recovered and jobs may not be quite as hard to come by, it’s time to regain a sense of purpose and empowerment when it comes to your finances. Here are some practical steps that may help you recover from and begin getting your fiscal future back on track:
Evaluate your financial health: Prepare an updated list of your income, expenses, assets and liabilities. A job loss or financial hardship can deplete your savings. If you’re looking to get your finances back on track begin saving for the suggested six to eight months of emergency cash stashed away, now is a good time to really pinch pennies to help make sure that money is there when you need it.
Analyze your spending habits: many people don’t realize how much they spend on weekly trips to the market, afternoon lattes or dry cleaning. Aim to eliminate a portion of these expenses – start with maybe cutting back by 25% – more if you’re willing. And be honest about what you really can live without. Brewing your favorite cup o’ joe at home may not be as fun as a frothy latte from the corner café, but shaving four dollars a day from your food budget adds up to $120 a month in savings.
Re-define your financial goals: Even if previous plans have taken a detour due to financial hardship or job losses, taking a moment to redefine where you see yourself in 5, 10 or 15 years will help stave off discouragement and empower you to look forward. You may not be able to retire when you expected to, or pay outright for a four-year college, but instead of saying “I can’t afford it” begin looking for new goals and asking the question: “How can I afford it.”
Meet with a financial professional. Even if you’ve done this in the past, getting professional guidance about investment losses, financial products, insurance coverage and other important issues is essential. You need to know how you can help meet your goals and objectives keeping in mind your present and future resources.
When you experience a financial loss, the emotional toll can be as high as the monetary one. Making choices based on a new reality will go a long way towards rebuilding your self confidence and your bottom line.
Ortho-Bionomy® is the single greatest bodywork technique that I’ve ever experienced in the 32 years I’ve been in the health and wellness industry – In my own body, as well as in people I’ve worked with. I can go on and on about the benefits of this extraordinary bodywork, because there are many different ways it can help someone. To explain what it might feel like to you, would be impossible. You have to experience it for yourself.
The results are often surprising to both of us. The best news is that healing can happen in the process. In my practice, I work with you as a whole being. That means we work together. We talk about what is bothering you in your system and together we develop a goal for our time together. Through the course of a session, we often get more range of motion and ease in your body and your mind. With gentle body positioning and movements for releasing pain and increasing comfort more choice is available, mentally and, especially, physically. Facilitating the body’s self-corrective reflexes, I can sense underlying patterns of holding within the body. I can feel where things are holding. All of this through gentle contact and positioning.
With more health in your system it empowers you to make effective decisions to improve your health and wellness.
Ortho-Bionomy® is a kind, deeply profound, and life changing work. This work allows choice. It helps you find you. You’re pretty great, right? Try Ortho-Bionomy® today and together let’s create a better you!
Tips and tricks for showcasing your home in the best possible light.
Offered by: Jan Hepp-Struck, Hepp Realty
As I’ve mentioned before, homebuying (and selling) is a very emotional process, and when buying, it’s all about first impressions because those are the longest lasting and most persuasive. So now that you’ve decluttered and depersonalized the space, painted, made necessary repairs, and done a deep clean, it’s time to stage your home. Just as you would “dress to impress” for a job interview, staging your home is basically dressing it to impress its potential buyers.
A properly staged home may sell for a higher price and more quickly than a comparable home not staged correctly. Staging your home is about creating a scene that brings a wow factor and appeals to all five senses. Professional home stagers are artists in their own right—they are top level designers who know how to not only enhance the natural attributes of the space, but also to create the illusion of larger rooms that empower the viewer to imagine what’s possible.
Whether you engage with a professional stager or do it yourself, it’s important to understand some of the proven basic tips and tricks of staging.
Vignetting: Arranging furniture and limited accessories in an appealing grouping
Display unusual, eye-catching knickknacks in groups of one, three, or five, etc., but never even numbers. Placement in triangular or uneven patterns also helps to add interest and depth.
When possible, the generous use of soft fabrics such as silk, satin, suede, or lambswool can add a luxurious and sophisticated look and feel.
Use simple lines for window drapes and treatments.
Add unique elements to shelving, bookcases, and mantels, especially if they are part of the architecture.
Use sparingly and strategically placed props, less is often more in these situations to avoid looking cluttered and too busy.
Use table and floor lamps to enhance the lighting to create strategic focal points that help set the desired mood.
Apply orange oil to cabinets and wood – it revitalizes them and the fresh citrus scent helps with the overall viewing experience.
Did you notice that everything is becoming portable? Literally, everything you need is now accessible from your mobile device. From the way you order food, book your travel arrangements, to interacting with your healthcare provider…. Yes, Telemedicine is now offering convenient, online services from the comfort of your home, while working or even while traveling this summer (within the United States).
What is Telemedicine? According to a governmental website, “ Telemedicine seeks to improve a patient’s health by permitting two-way, real time interactive communication between the patient, and the physician or practitioner at the distant site.” This way of communicating allows individuals to seek help when they truly need it regardless of time or location, and at a reasonable cost. This is not a patient portal, but an actual Online Doctor Visit.
Find ways to make your healthcare convenient this summer!
This new form of treatment can offer preventative care, to minimal healthcare treatment; including filling of prescriptions when deemed necessary. Imagine, in the middle of the night, you or your child wake up sick. The only option available is an emergency room – meaning high medical costs, leaving the house in the middle of the night and spending several hours to fully receive treatment. But now there is another option, an option that removes the negative connotations associated with healthcare – including the long wait time. Speak with a Provider or Doctor 24/7 and get peace of mind for a minimum cash pay amount of $50.
Keep in mind not all Telemedicine services offer the same level of care. Some options are considered ‘Nurse Hotlines,’ and they may not be available 24/7. Other options, the price becomes dependent on the time of day treatment is received.
Advanced Urgent Care & Occupational Medicine is not only a locally-owned healthcare provider for families in the Brighton, Northglenn and the Fort Lupton area, but they are now offering Telemedicine services too! Find out more about their 24/7, cash pay service by visiting their website at: advurgent.com/virtual-visit.
Offered by: T. Lloyd Worth – Worth Wealth Management
If you are preparing to change jobs, do you know what your choices are for managing the money in your current employer’s retirement plan? Although many people choose to take a cash distribution, there are other options that may benefit you more.
Uncle Sam Loves Cash Distributions
Taking a lump-sum cash distribution may trigger an immediate 20% federal withholding tax. In addition, a 10% additional tax may apply if you are younger than age 59½.¹ Taking your money as a cash withdrawal also means that you’ll no longer enjoy the potential benefits of tax deferral that a qualified retirement plan offers.
Depending on your circumstances, you may have several options (or a combination of options) that will allow you to maintain the tax-deferred status of your retirement plan assets:
Leave the money in your former employer’s plan. Your former employer must allow you to leave the money where it is as long as the balance exceeds $5,000. You’ll no longer be able to contribute to the account, but you’ll still decide how the existing assets are invested.
Roll over the money to your new employer’s plan. By “rolling” the money directly to your new plan, you may avoid the taxes that could eat away at a cash distribution. You’ll also have only one set of investments to monitor. Even if you’re not immediately eligible to contribute to the plan at your new job, you may still be able to roll over the money right away.
Roll over the money to an IRA. If your new employer doesn’t offer a retirement plan or you aren’t yet eligible to participate, you might roll over the money directly to a traditional IRA. Again, you might avoid taxes that you’d incur if you took a cash distribution and still enjoy the potential benefits of tax deferral. Experts advise against commingling your retirement plan assets with other IRAs you may have set up. Instead, consider opening a separate IRA account, known as a “conduit IRA,” which may allow you to move the funds to a new employer’s retirement plan at a later date.
Research Your Options
If you plan to change jobs, don’t just take the money and run. Since rules vary from company to company, find the time to explore your alternatives. If you have specific questions about your retirement plan distribution options, contact your employer’s benefits coordinator or a qualified financial consultant.
Offered by: Michael A. Dolan – Dolan & Associates, P.C.
As we grow older, we often reflect on what we did (or didn’t do) that made a difference (or could have made a difference) in the world and to those around us. We hope that we can look back without regret. Reflecting is good, but what about the future? How will the impact we made (or wish we had made) on the world be continued into the future? A little thoughtful planning now can make a huge impact on others, insure that your desire to make an impact is realized, and have your efforts continue to make an impact even after your death. Those that believe they are not leaving any impact, are often not giving themselves enough credit. You don’t have to be a famous historical figure to have had an impact on the world around you.
Your estate planning should not only efficiently transfer your financial assets; it should embrace and empower your legacy. Even if you haven’t had the time to impact the world the way you truly wanted to, effective estate planning can make up for lost time to really make an impact or leave valuable lessons for your family. It can also continue what you have already done and grow and expand its effect on the world long after you are gone. Let what they put on your tombstone be just a glimpse of your incredible impact on the world.
Do you want your tombstone to read “Loved TV – Never Got Around to Anything Else” or how about “Loved Life – Lived It Fully” or “Death Leaves a Heartache No One Can Heal, Love Leaves a Memory No One Can Steal”?
If you would like to learn more about available estate planning options, visit: www.EstatePlansThatWork.com to sign up for a complimentary educational workshop.