What do you do if you are still working at age 65, don’t want to retire and have health insurance through your employer? You are going to begin receiving all sorts of collateral in the mail about getting on Medicare at 65. So, the big question is, do you have to get on Medicare at age 65?
The answer is yes, and no. Confused? You’re not the only one!
If you have coverage through active employment, you may have what’s called “credible coverage.” When you have credible coverage, you do not have to go on Medicare when you turn 65.
A lot of people will go on Medicare Part A when they turn 65 because it is free.
The parts of Medicare which can incur a penalty are Part B and Part D. If you do not have credible coverage in these areas, and you forgo joining Medicare when you turn 65, later on when you join Medicare, you will be assessed a penalty for late enrollment.
But remember, if your employer’s coverage is considered credible coverage, you will not be penalized when you join Medicare at retirement. You will be given a special enrollment period for loss of employee group health coverage.
I always recommend you call your human resources department at your company and confirm you have credible coverage in the eyes of Medicare.
If none of this makes sense, please call me and I will walk you through your individual situation.
Offered by: Willy Strohmeier – Colorado Karate Club
You probably don’t know Mike, and that’s OK, I didn’t know him that well either. We met a handful of times at one of his jewelry stores where we recently discussed a business deal. One could say that Mike’s just a regular guy, aside from his ever-present smile, he looked just like you and me. But in fact, Mike’s just a little different.
As we came in to meet him, he smiled warmly and welcomed us behind the counter, around the store, and into his break room, where he sang the praises of his amazing coffee machine, and all the different types of brews he could concoct. He told us to ask him for any type of coffee, and so, he made us a couple of Espressos. We sat around the table and talked about business, family, life, etc. as if he had known us for years.
When we left Mike’s store we felt like we had just visited a good friend. He was so genuinely interested in who we are, do, plan for the future, etc.
Later, I thought about Mike, and how he treated us, plain strangers, and I wondered about what kind of feeling do I leave others after I meet them? How do I treat them, friends and strangers alike? Am I, even a little, like Mike?
Meditating upon this, I realize that the greatest poverty in our society is not material, but emotional. We are often poor in our relationships. While we post, message, and text all day, true relationships are built in simple places like at a coffee table, when someone actually takes the time to put the phone or computer down and dares to talk to us. Look you in the eye and ask: “How are you doing?” Generosity is giving of your greatest asset, YOUR TIME. Time to go visit someone who is lonely, time to talk to a friend who is feeling down. But mostly, time to listen to what others may want to or need to get off their chest…
Two days later, I received the most unfortunate call, that Mike was in a tragic accident, which in fact would cost him his life the following day. I was devastated, but at the same time wondered how this relative stranger had touched my life so deeply and in such a short time. But even in death, Mike was a generous man. Almost five years to the day from Mike’s demise, my family had been fortunate enough to have been the recipient of an organ transplant. And now, Mike, was bestowing the same gift of life to many other families in need.
At his wake, hundreds and hundreds of people filled the church, overflowing into the hallways to remember Mike. A young 44 year old gentleman who in his short time, obviously made a wonderful difference in the lives of many, including mine.
As for myself, I hope that I can be like Mike too. And if you and I ever meet, I’d say to you as well: “Be like Mike.”
You have probably heard the phrase “The luck of the Irish”, but do you know where it came from? During the gold and silver rush years in the second half of the 19th century, there were a number of famous and successful miners of Irish and Irish American descent. Over time, this association of the Irish with mining fortunes led to the expression, “Luck of the Irish.”
Julianna Two Bears is one of our licensed agents and just returned from a two plus week trip to Ireland. She enjoyed castles, the countryside and the people, but her favorite part were the Cliffs of Moher, located on the western coast of Ireland. If she is able to return again, she would love to explore the eastern coast. Her trip was covered by Allianz Travel Insurance that covered any non-refundable expenses and medical extraction expenses. Thankfully, she did not have to utilize this $170 policy but it brought peace of mind in the event she would. The cost of her trip to Ireland was $4,500 total.
In the month of March, everyone wins! We are partnering with FOUR local businesses to offer free prizes, just by getting an insurance quote! You’ll also receive an entry to win for each quote you receive that will be announced in a bonus drawing at the end of March.
If you haven’t looked at your insurance policies in some time, there is no better time than the present. Hindsight is 20/20, but not when it comes to a claim!
Sports for girls is on the rise and Girls Rugby is bringing female empowerment to Colorado in a big way using non-contact, flag rugby programs for girls in grades 2-8. Each Girls Rugby program leads a values-based curriculum and introduces basic rugby skills alongside positive core values that the girls can apply on and off the field of play. Families can expect their daughters to be active, make new friends, and develop themselves not just as an athlete, but as a young woman.
“I am so glad we found Girls Rugby, Angel has had so much fun during 3 seasons so far and has learned a lot. The coaches have been absolutely fantastic and we appreciate everything everyone involved has done to create this amazing program.” – Tia, Girls Rugby Mom (Cherry Creek Location)
“Girls rugby is amazing! It has a curriculum that is unique among all the sports our daughter has tried, with an emphasis on inclusion and leadership skills. It’s well coached and very organized, and there is a place for girls of every size shape, and ability level. We love it!” – Karen, Girls Rugby Mom (Cherry Creek Location)
The Spring season kicks off the week of March 23rd and continues through May 16th, culminating with the Girls Rugby Family-Daughter Day where the whole family gets involved to celebrate the season. Program locations available in Arvada, Boulder, Brighton, Cherry Creek, Stapleton, and Superior.
Offered by: Dr. John Schmidt, DMD – Mountain View Family Dental
A Change for the Happier
The miracle we’ve all been waiting for is here: Solea. Now available to you, Solea is a powerful dental laser that replaces the dental drill in the majority of procedures in our practice. It causes virtually no pain, vibration, or noise. In fact, nearly every patient skips anesthesia because they just don’t need it. Solea is our way of keeping you happy. Because more than anything, we love to see you smile.
What is Solea?
Solea is the first CO2 dental laser system cleared by the FDA for hard and soft tissue procedures. It was developed in Boston, Massachusetts by Convergent Dental, based on research conducted at the University of California School of Dentistry. Solea offers a unique wavelength guided by sophisticated computers to deliver virtually painless dental procedures for both teeth and gums from simple cavity prep to complex surgeries. Not only is the laser virtually painless, it is also vibrationless and noiseless. The experience is so unique that you will find it hard to believe you were just at a dental appointment.
The majority of hard- and soft-tissue procedures in our office are done with no anesthesia, and soft-tissue procedures are done with virtually no bleeding. Blood-free and anesthesia-free procedures represent a major leap forward in dentistry, as we are able to execute multi-quadrant dentistry, fillings on the fly, and soft-tissue procedures in a single appointment. What does that mean for you, our patient? You are now able to receive the care you need in a fraction of the time—and pain—you were accustomed to from traditional drills. Solea is also far less invasive than using a traditional handpiece, which makes healing time following a procedure much shorter. When patients have anesthesia they typically leave the office with that numb feeling still prevalent. With Solea, you are able to go right out to lunch or back to work without that numb sensation following your appointment. Solea is truly changing what it means to go to the dentist.
It’s amazing that we’re already putting together the March issue! Time waits for no one. These first few months of 2020 seem to have sped by and we’ve gotten many reminders it’s still winter with our sporadic snow storms that happen more often than I’d like. A friend stopped the other day to say that this winter has seemed like an unfinished conversation when one more thought arises. That put the next flurries in perspective for me! Let’s hope the final word comes soon!
I’ve decided to share a March happening that may make a difference in how we view the month of March. It could be a turning point for us!
Daylight Saving Time will begin at 2 AM on March 8th and end at 2 AM on November 1st.
One drawback… When the clocks move forward in the spring, you’ll be robbed of an hour of sleep. That night, you may not be able to fall into your normal sleep rhythms an hour earlier than you’re used to, and you won’t get as much quality sleep as you need.
But the urge to Spring Forward not only happens with how we view our days time-wise; there seems to be an infusion of growth and excitement awaiting warmer weather and the outdoor activities we all enjoy so much. We have seen an influx of new advertisers and are happy to share them with you in this issue. There are a number of activities coming up that also get us in the mood for Spring. Those are shared as well on these pages.
We are sending our St. Patrick’s Day Good Luck your way in many of the coupons the advertisers have chosen to offer. Take time to read about all that’s happening in this “Buzzing” Northeastern Metro Area!
Offered by: John Wilson, B.S., BC-HIS – Blue Ribbon Hearing & Tinnitus Center
March 3rd 2020 is World Hearing Day. The purpose of World Hearing Day is to make people around the world aware of the importance of protecting their hearing and treating hearing loss. Hearing is key to communication for most individuals. Without normal hearing, people become socially and physically isolated, and as a result have many other negative health consequences including depression and dementia.
Many impoverished countries around the world have little to no treatment for hearing loss. Charitable organizations work around the world giving hearing to those who would not otherwise have it. The most prolific organization for giving the gift of hearing is the Starkey Hearing Foundation. The foundation gave away well over 1 million hearing aids around the world in the past decade. The foundation is funded in part by proceeds from the purchases of hearing aids at offices such as Blue Ribbon Hearing & Tinnitus Center, charitable cash donations, and recycled parts from donated hearing aids. In addition, thousands of volunteers donate their time and energy fitting the hearing aids.
In the United States we have a multitude of options for treating hearing loss. The vast majority of cases of hearing loss are treatable with hearing aids. There are numerous types and styles of devices including custom in ear devices and over or behind-the-ear devices. These devices offer improved hearing in noise, virtually no feedback or whistling, direct to smartphone bluetooth connections, and tinnitus treatment solutions. Rechargeable options are available in both behind the ear and custom models as well.
Hearing aids are now doing more than just helping people hear. With more and more research showing the connection between hearing loss and dementia, one hearing aid is now tracking physical and brain health using onboard sensors to help individuals be more active. The devices also include fall detection, voice commands, and the newest devices will also have an optional Caregiver app that allows activity monitoring to improve health and safety.
For many individuals, the stigma of being seen wearing aids keeps them from treating their hearing loss. However, as wireless headphones, air pods, and other Bluetooth hands free devices become the norm, wearing something in, on, or behind the ear is becoming the norm. So while most new hearing aids are very difficult to see when worn, most people don’t necessarily recognize them as hearing aids.
Hearing is universal. The need to protect hearing is universal. Everyone should be aware that loud sounds from any source, including occupational and recreational noises, can cause permanent hearing loss. Everyone should also have a baseline hearing screening to track changes to their hearing over time.
In support of National Hearing Day, we will have several offers for the month of March. First, every new patient who comes in and gets a complete, comprehensive hearing evaluation will get a free pair of protective ear muffs. Second, we will be giving up to $1000 trade-in credit towards a pair of premium hearing devices, including the Starkey Livio, Livio AI and Livio Edge. Third, for anyone who has a hearing screening we will offer $50 off custom hearing protection. We will also take donations of any broken, damaged or unused hearing aids and send them to be recycled by the Starkey Hearing Foundation.
Offered by: Scott & Lora Nordby – Berkshire Hathaway HomeServices
Many people think that because the peak home prices have already come and gone, that you may have missed your opportunity to sell your house. That is untrue and, as a matter of fact, you might find that this year is the best possible year to get your house sold. Here are a few things to consider when discussing your real estate goals for 2020:
Interest Rates are Still Low
The Federal Reserve kept interest rates unchanged at the end of 2019 and intends to keep rates in the target range of 1.5%-1.75% in 2020. This makes buying a new home attractive for new buyers entering the market.
New Buyers and Upsizers
With Millennials continuing to enter the market to buy their first home, and current homeowners considering upsizing their current home, as well as the influx of new residents and other buyers, there are a lot of people looking at a new home. Many real estate agents are saying (after only a few weeks into the new year) that the spring season is already upon us!
Renting Still in High Demand
While interest rates are low for people that can afford to buy a home, there are still a lot of renters in the metro area. If you don’t want to leave your home, but you’re interested in an investment home, now is a good time to talk to your REALTOR about your goals.
With the peak season just ahead of us, if you’re considering buying or selling a home this year, it is a good idea to talk to a REALTOR® who can give you the information you need to help make a decision. From determining your goals to finding out the value of your home, a real estate professional can get you on your way to capitalizing on the outstanding real estate market conditions.
If you need help or have any questions, call us today at 303-905-8850!
Offered by: John Wilson, B.S., BC-HIS – Blue Ribbon Hearing & Tinnitus Center
Last week I received another unsolicited message from a representative of an overseas hearing device manufacturer. The message is one of many I have been sent since opening Blue Ribbon Hearing & Tinnitus Center. Their purpose is to try to get me to sell my own privately branded “cheap” hearing device.
Currently, the hearing industry is being flooded with cheap devices made of inferior materials using direct marketing via online advertising on numerous websites and Facebook. Most of these ads portray the same or similar products, describing miraculous benefits. However, the name of the company and devices constantly change. Though the devices are marketed as hearing aids or alternatives to hearing aids, most are PSAPs or Personal Sound Amplification Products that are not regulated by the Food and Drug Administration. True hearing aids are regulated by the FDA and must be distributed by a licensed professional only after having a complete audiometric evaluation using professionally calibrated equipment.
Recently, I have had numerous people come in and tell me of the experiences they or their loved ones have had after purchasing these cheap hearing devices. After hearing their complaints, I decided to check out the devices myself and do some research. I checked the BBB (Better Business Bureau) website for complaints and found that each one I was told about had an “F” rating. The complaints on the site mirrored what my patients told me. The complaints included devices not working, pieces getting stuck in the ear, being unable to reach anyone at the company, devices not arriving and not being able to get a refund.
One patient brought devices to me that were advertised as “Break-through Technology.” The devices resembled outdated hearing aids from the 1980s, and came with an assortment of different size buds and a small screwdriver used to change the volume. With only a volume control adjusted with a small screwdriver, the devices are not programmable to a particular patient’s hearing loss and are just an amplifier. Without programmable devices, most people will hear more loudly, but not necessarily more clearly. In some cases, improper amplification can cause inner ear damage and increased hearing loss.
While these cheap devices are readily available, their ineffectiveness often discourages individuals from getting help with their hearing loss. At Blue Ribbon Hearing & Tinnitus Center, we are an independent company and only work with hearing aid manufacturers who have a track record in making quality products and provide great customer service. These manufacturers continually research and develop innovative technologies that make hearing aids much more than just amplifiers. In fact, the Livio AI manufactured by Starkey Hearing Technologies was named one of the top 100 inventions of 2019 by Time magazine. Using these technologies instead of inferior products is one of the ways we ensure we are truly “dedicated to your best hearing.”
Sylvan Learning of Broomfield offers programs for every student! What makes Sylvan’s teachers unique is that they are either fully licensed educators or have degrees in the subjects they tutor in! This means your child is getting the highest quality support available. Personal learning is what sets Sylvan apart from everyone else – individual, adaptive learning plans adjust In real time using advanced technology is the standard for all Sylvan Learning students.
Sylvan Offers Something for Everyone!
Sylvan has programs designed for beginning learners through to their college education, with Reading starting in Pre-K, and Writing and Math starting in Kindergarten. We also offer Test Prep for SAT and ACT, as well as personalized sessions for Homework Support or Study Skills. Every session is individualized to meet the specific needs of your child and to help them grow and succeed in school! We have programs for every learner, including pre-K kids who are just starting their learning adventure to adult learners who need to brush up on skills! Programs are customized to meet students where they are at and help them grow to become confident and successful learners.
With a low student-to-teacher ratio, Sylvan focuses on building academic confidence, igniting intellectual curiosity and inspiring the love of learning. You’ll see the difference just a few hours a week will make in helping your child’s confidence and desire to learn soar! E-mail us at firstname.lastname@example.org or call/text us at (303) 920-7424 today!
I got a call from Susan at the Brighton Buzz asking if I wanted to
advertise n the next issue. My response was that I either needed to keep
my ad running or fold the business.
About 90% of the calls that I receive include a comment like, ”I
saw your ad in the Brighton Buzz…. . “
The majority of my calls take me inside a home, it is not unusual for somebody to pick up a copy of the Buzz and say they found me right there. The Buzz that they show me is frequently not the latest issue. The Buzz has great holding power! At the same time, I can always tell when The Buzz has hit mailboxes. My phone starts ringing. A lot of people seem to look through it right away.
The cost per home is low, the cost per response is
reasonable. Am I going to continue to advertise in the Brighton
Buzz? You can count on it!
Gray Guy Handyman Service, LLC
Susan is Superb!
July 19, 2015
Wonderful! Well written! Informative! Susan is Superb!
Michael Angelo Davey
Susan is Amazing!
July 19, 2015
Susan is Amazing! Thanks for all your had work. We all appreciate it.
Sandra Samson Chessmore
Advertising process was flawless!
July 19, 2015
Advertising process was flawless! The ad looked great, the responses are already coming in and Susan was terrific to work with. Thank you! We'll definitely be working with you guys again!