Offered by Shane Essig
Insurance is something that can be and is often confusing to most of us. We generally get our renewal declarations along with a bill to pay our renewal premium. So often, we tend to base insurance strictly on rates, looking for the cheapest rates. I, as well as anyone, understand economics and how everyone wants to save money.
I would like the opportunity to do business with you. Farm Bureau Insurance is consistently competitive in the insurance industry, but stresses that service still makes a diff erence in determining with whom people do business. Instead of just paying your renewal bill when you receive it in the mail, I want you to give me a call. Allow me to quote your business as well as explain what all those insurance terms really mean.
You need to know what you are getting for the premiums you are paying. As an alternative, if you already have a copy of your declarations page outlining your current coverages, fax it to me at 303-659-2474 and include a phone number for us to call you back. We can go ahead and look at some numbers now and address any questions you may have. Or if you prefer, send me an email. My email address is Shane.Essig@cfbmic.com.
The weather will be getting nicer and keep us in mind for your recreational items like your UTV, ATV, Motorcycle, Boat and even your RV’s.
Thank you for the opportunity to earn your business, Shane Essig
Click here to view Farm Bureau Insurance on The Brighton Buzz Business Directory
Offered by Greg Portlock
This will be my 2nd article in my “creating multiple offers” series. Last month I wrote about why it’s important to get your home ready and how to do it even if you don’t have the funds and time. As you all have heard, some homes hitting the market are receiving multiple offers in a short amount of time, driving the final sales price beyond the listing price. The questions is, how can the typical homeowner tap into this potential and maximize the equity they have in their home? This series addresses some of the ways I’ve been able to put my clients in the best position to get the most out of the sale of their home. This month I want to address timing.
“When is the best time to sell to get more than your home is worth?
I want to make sure I’m clear on this point. In a great market like we’ve been in for the last four years, there really hasn’t been a bad time to list a home. However, if the list price is under $300,000, there is an ideal time to sell and it’s between the middle of April and the end of May. Larger homes and high end acreage homes will also sell better in this time frame, but will generally sell better in June. Again, I’m not saying you have to follow this time line to be successful, I’m only saying this is the ideal time. There are little periods of time all throughout the year that are very good as well. Here is my reasoning based on what I’ve seen play out continually almost every year I’ve been doing this. Generally, we live in a very family oriented area, meaning most of us have kids and they are in school. I also know that moving to another area during the school season is disruptive, so we wait until summer to make those kind of changes. With most families selling during the summer months, the inventory of homes is up and buyers have more homes to choose from.
While inventory was down in the beginning of the year, prices were driven up by a highly competitive market. Buyers were actually bringing money to closing to cover the difference between the final sales price and the amount of the bank’s appraisal (particularly for the homes that are worth less than $300,000). As a result, home values are up come this time of year and it gets even better for sellers through May. These are the months that we see the biggest value change in homes. I’ve seen appraisal values go up $30,000 every year over the last four years during these months. It makes sense to me to let values go up for the first four months of the year, and put your home on the market in mid- April and close May or June.
If you just can’t make it to the market before June, don’t despair, you are in one of the hottest markets in the country and almost everyone is selling. Home sales are doing very well for the foreseeable future and timing isn’t the only way to create a bidding war for your home, although it is a point worth bringing up. In my next article I plan on talking about up some really cool ways to make it all come together. Thus, allowing you to get those multiple offers and increasing the value of your home.
My clients already know some of what I’m going to say, but there will be good information for everyone. If you are interested in selling or just talking about it, I’m always ready to share my knowledge and experience from 23 years of Real estate.
Click here to view Remax on The Brighton Buzz Business Directory
“Spring Cleaning your House is Easy, Spring Cleaning your Life is Tougher.”
Offered by Paul Cucunato
Spring is here in Colorado and it is a time of renewal and high energy. We come out of our winter hibernation ready for spring cleaning and ready for big action. I have been asking you to check the coverage levels on your homeowners insurance. Did you take the time to do that yet? With our Spring-time commitments to shaking off the cobwebs and getting everything in order we need to be thinking about all of your other insurance needs too. You may want to add or delete some types of coverage and policies, you may want to increase limits or reduce them, you may want to add extras, and you may be eligible for additional discounts. Before you allow your current policies to automatically renew, take a few moments to talk to me and my team of licensed professionals.
Your dreams, your legacy, and your finances. Protecting the people and things you value is important and so is preparing for your future. Let’s spend some time talking about both. Could be starting a family, managing your debt, making a large purchase, helping the kids get a college education, saving for retirement, or anything else. Once we know what you want and need, my team and I can help you put a plan together to achieve your goals. State Farm is always a good neighbor.
Are you ready to talk? We are! We are here to listen, ask the right questions, and help you plan for tomorrow. Just call, e-mail or stop by the office to set up a time to talk! The coffee if always on.
“Live your truth. Express your love. Share your enthusiasm. Take action towards your dreams. Walk your talk. Dance and sing to your music. Embrace your blessings. Make today worth remembering.”
Click here to view State Farm on The Brighton Buzz Business Directory
Offered by Dreamscapes Landscape Center
Dreamscapes University is a huge success! Master Gardeners have already presented block style vegetable gardening and basics of landscape design. Our next class off erings for April and May are Lawn Care: April 16th, Tree Planting: April 30th & Patio Flower Containers: May 7th. All classes start at 10am and most cost only $5/ person.
FREE Question & Answer Booths staffed by Adams County Master Gardeners will be available from 10am-2pm on the following Saturdays:
April 23rd, May 7th, May 28th, June 4th and July 16th. Stop by during the clinic times with your pictures, branches or plants for them to help you with any home gardening concerns.
In addition to our class offerings, Dreamscapes carries several products to use right now in your yard. It’s time to fertilize lawns, treat for pre-emergent weeds, clean out garden beds and refresh mulch, plant cool weather vegetables and plant trees. Did you know that April is considered one of the best months to plant trees in the Colorado Front Range? Trees can enhance the beauty and value of your home, and located properly, can help reduce summertime cooling costs. We have a large selection of new trees to choose from plus new stock will be arriving regularly throughout the growing season.
Stop by Dreamscapes for all your gardening and landscaping needs. We are currently open Monday-Friday from 8am-4pm, and Saturdays, 8am-2pm, weather permitting. Call us at (303) 288-8877 to verify hours or sign up for any class.
Click here to view Dreamscapes Landscape Center on The Brighton Buzz Business Directory
Offered by Jim Vincent
Spring has sprung and Summer is on the horizon. This time of year brings with it the many thoughts of family fun for the rest of the year and plans for the future. As time progresses frequently something unexpected comes out of nowhere to shake our confidence in our plans.
How can you handle those unexpected happenings with the knowledge that you and your loved ones are protected and your dreams can become reality?
Buying insurance, many times, seems like you’re paying for something that you never use. That thought challenges the concept of paying insurance premiums until there’s a car accident or hail storm that damages both your car and your home or maybe something even worse. Then the purpose of having insurance becomes crystal clear. This is when you want to have an agent that is going to be there to answer your questions and help you work through these events.
This is the perfect time to make your plan for the rest of the year and take a look at your insurance for your Life, Home, Auto and Business. We encourage you to set up a yearly checkup on your insurance with us, so we can customize each policy and it’s coverages to fit your current needs while making sure we are protecting the things that bring you the most joy in your life. We wish You and Your Family a great summer.
Please call today, 303-558-0653 to schedule a yearly check-up of your insurance policies
Click here to view Jim Vincent, Farmers Insurance on The Brighton Buzz Business Directory
Offered by Rob Semroska, ProSec
According to a story that was recently covered by Fox31 Denver News, home break-ins are on the rise in the Denver metro area, up anywhere from 10% to 15% from one year ago. Many people are considering home security systems to help keep themselves, their families, and their property safe.
ProSec is your hometown solution for all of your commercial and residential security needs. Locally owned and operated in Brighton, we pride ourselves in outstanding customer service and superior product quality. Our business philosophy is based on transparency and flexible contract terms, resulting in a fast, simple and happy customer buying experience.
Unlike most of our competitors, with ProSec you’ll never see your monitoring rates continually increase over time. We lock in your monitoring rate for your entire agreement term. We only carry state-of-the art equipment, and with multiple call center redundancy, our monitoring centers provide 100% reliability, without exception. Although we have over thirty years of experience in electronic security, we’re constantly looking for new and innovative solutions.
We believe in customer relationships and would love the opportunity to provide your home or business with the peace of mind that you deserve. Let us earn your business and your trust!
Call today for a free security needs analysis, and receive your first 2-months FREE!
Click here to view ProSec on The Brighton Buzz Business Directory
Offered by Thollot Diamonds
Thollot Jewelers is the area’s only jewelry repair studio equipped with a Laser Welding Machine. What does this mean to you? When others say it can’t be done, Thollot has the technology to get it done and get it done well.
There are many times when welding jewelry with a laser is superior to soldering jewelry with a torch. First and foremost, a good laser weld is three times as strong as the virgin metal, or 260 times stronger than a solder joint.
When soldering with a torch, the heat is applied to a relatively large area resulting in heat transfer. If the jeweler is not careful, he can burn or destroy heat sensitive gemstones. The jeweler who does not have a laser welder is forced to remove these stones from the jewelry before the soldering is done and then remount them after it is fi nished. This results in higher labor fees and more risk of gemstone breakage during the resetting process.
The laser has a finely focused laser beam resulting in a minimal heat-affected zone or “bombardment zone.” During the laser welding process, the metal adjacent to the bombardment zone does not become molten. This precision heat source allows the jeweler to laser weld metal in close proximity of heat sensitive stones and materials such as epoxy, enamel, pearls and stringing thread to name a few, without affecting the stone or material. Because of this pinpoint heat source, the laser weld will not soften springs or clips, eliminating the need to purchase new clasps as part of a repair.
All of this simply means that your jewelry repair will be done efficiently and with the highest care without the need to pay the highest price. Drop in for a free quote on your repair, restoration, or remake today.
Click here to view Thollot Diamonds on The Brighton Buzz Business Directory
Offered by Bed N Biscuit Inn
It’s often a concern when planning a vacation to figure out what to do with your 4-legged family members. While you’re eager to enjoy your time away, you also want to ensure the best care for your pets.
J & Lindi Williamson have created a great alternative to your average boarding kennel and daycare. Bed N Biscuit Inn is a unique “all inclusive” facility in a beautiful country setting designed for those looking for a personal touch and attention to detail when it comes to your pets. J & Lindi live on the premises so your pets are monitored 24 hours a day, 7 days a week.
Romp all day and relax the night away. Each dog has a large, cozy kennel with a Pet Cot to sleep on. Pet Cot dog beds are reserved for our (“nonchewing”) guests! We also off er 24 hr. security monitoring for added safety. Our boarding prices include free daycare as we believe every dog needs lots of exercise and fresh air, and not be stuck in a kennel all day. We have a separate play area for our older or less social guests. Each guest will receive a frozen kong treat filled with delicious peanut butter in the afternoon and a homemade organic dog biscuit before bedtime.
If you’re wanting your pet to have as much fun as you do this summer, call to find out more about this well-kept and modern kennel facility.
They will be happy that you did!
Click here to view Bed N Biscuit Inn on The Brighton Buzz Business Directory
Offered by Keith Gunn and Michael W. King
We want to welcome you to SonFlower Ranch. This dream that’s become a reality has been created out of a passion for birds and animals and their healthy existence into the best living experience we can provide for them. Six years ago, we moved to the property that is now the ranch and in that time until now have transformed the acreage from a house and land into a beautiful sanctuary for our horses, alpacas, miniature donkeys, mini Nubian goats, turkeys, pea fowl, pheasants, ducks and geese.
This transformation has taken place using our collective talents. Keith Gunn, who learned everything he knows about animals from being a vet tech as well as lots of experience raising birds and animals, has worked toward acquiring and breeding the almost 300 animals/birds that reside at SonFlower Ranch. Keith is always happy to answer any questions you might have about the animals and their care. They have great support from their veterinarian and farrier and are happy to pass along those resources when asked. Keith also has developed a line of soaps and lotions made from goats milk as well as their honey from their bee hives. Those are available at SonFlower ranch to purchase.
Mike King has taken the role of the builder and landscaper. Many of the buildings on the property were constructed by Mike and Keith and the grounds are landscaped to provide a welcoming environment when you visit the ranch. Mike also enjoys spending time with the horses. Green breaking horses to prepare them for their new homes is always a welcomed challenge.
Currently, an equine training area is under construction as are the spacious 30’ x 60’ paddocks for those horses that are boarded on the property. These paddocks will have matted stalls for the horses as well as fresh water 24/7 to keep them healthy. The ranch’s 35 acre perimeter will have a 20’ wide equestrian trail for those that come out to ride to enjoy. An indoor arena is in the planning stages, but, will come after these other projects are in operation. With the addition of the indoor arena will come a room to have classes for making soaps, lotions, cheeses and a few other classes to help people get back to the basics.
Future plans include holding luncheons, reunions, and weddings at the Ranch as well as providing horse drawn hayrides to bring back the nostalgia of earlier years. SonFlower Ranch’s motto is to continue to grow as it is afforded without going into debt. This work in progress is amazing and with the combination of Keith and Mike’s creativity, is sure to become a favorite place for you to visit.
When you visit SonFlower Ranch, you will find a place that removes you from the hectic nature of your daily existence and brings you back to living in an environment that honors the best things in life….plants, animals, and living off the land. Stop by and visit us on weekends in April. Hours of Operation starting in May and through the summer are 8 a.m. – 7 p.m. Monday through Saturday and closed on Sunday.
Click here to view SonFlower Ranch on The Brighton Buzz Business Directory
Offered by Brian Margolis
Our local real estate market continues to surprise all of us. Values continue to go up as inventory reaches records lows. 2015 was a record year and 2016 is shaping up just like the 1st quarter of 2015. Buyers continue to be frustrated by writing offers well over asking price and losing. Sellers are loving this market. Some people are nervous about selling and not finding a replacement home or paying too much for their next home. Those are a legitimate concerns until you are made aware of your options.
One of the biggest reasons to make the move is because interest rates are still in the high 3’s to low 4% range, which makes your monthly mortgage payments very low. That makes buying a bigger home more affordable even though the prices went up over 12% since last year!
Experts in the industry are stating that one million more people will be moving here by 2030. Our real estate market will most likely remain strong and values continue to rise. As far as notion of buying at the top, the market continues to spring forward.
The Margolis Team has been helping local families with one of their biggest financial decisions of buying and selling homes since 1999. I joined Keller Williams Preferred Realty, the #1 real estate company in North Metro Denver in 2015. Let our local knowledge and national advertising help you sell your home fast and for top dollar.
Call or text me, Brian Margolis, at 720-352-0454 or YourNewHome@TheMargolisTeam.com.
Click here to view The Margolis Team on The Brighton Buzz Business Directory