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Offered by Scott and Laura Nordby, Berkshire Hathaway HomeServices

Berkshire HathawayAs the days get shorter and the nights get longer, most people find themselves spending more time indoors. There are some great ways to prep your home for autumn and winter that will make the cooler months more bearable. Additionally, the extra effort may prevent costly repairs down the road.

Clean the Gutters: It’s a dirty job, but someone has to do it, especially to avoid big (and costly) problems down the road. While you’re scooping out the leaves, take note of the condition of the roof. If there is anything that needs attention, call a roofing specialist to take another look. If you aren’t sure who to call, call us! We’re happy to share the names of the roofers we trust.
Outdoor Plumbing: Turn off your outdoor plumbing, disconnect hoses, drain sprinkler systems, and cover faucets with something to protect them from the freezing weather ahead.

Clean and Declutter: You can clean and store your outdoor furniture and gardening tools (after your harvest your garden, that is). Protecting them from the harsh winds and snow will ensure they’re ready for use when the yard thaws out next spring.

Plant Bulbs: October is a good time to plant bulbs because the soil has cooled down. Pick a spot that gets full sun and you’ll have beautiful flowers to look forward to in the springtime!
Fireplace and Chimney: Clean your fireplace, and have your chimney professionally swept if needed. Inspect the flue and make sure it’s ready for winter warmth.

Keep Out the Cold: Check weather stripping and inspect windows for leaks. Caulk windows and door casings to keep out the draft.

Change the Batteries: If you didn’t change your fire detector and CO2 sensor batteries in the springtime, go ahead and change them now. That one thing could save you and your family’s life.

When the cold weather comes, it gives us a chance to enjoy our home and the people we share it with. If you have questions about your home’s value, please give me a call at 720-422-9320! I’d be happy to talk with you about your home, your neighborhood, and the real estate market trends.

Best Practices When Selling Your Home

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Berkshire Hathaway

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

As the season changes from summer to fall, many are enjoying the harvest of fields and gardens because of work done back in the spring. The law of the harvest, “We reap what we sow” is ancient and applies to nearly every aspect of our lives, including our physical and mental health.

Over a decade ago, I first learned about the negative consequences of untreated hearing loss. At the time, research showed most people waited 7 to 10 years to have their hearing loss treated. Those who waited significantly increased the likelihood of losing their ability to understand words, even when they were loud enough be heard. Since that time, I have seen those types of results in hundreds of patients. However, sometimes I get to see what happens when people do treat their hearing loss immediately. Two examples come to mind.

Years ago, a 94 year-old man came in to replace his hearing aids because he was having increased trouble understanding his wife speak. After completing the tone test and seeing the severity of his loss, I prepared to explain the problem might not be the hearing aids, but that his brain was not processing the words correctly. Then, I performed the speech discrimination test. He scored 100%! His word recognition was perfect! How could that be that be given his age and the severity of his loss? So, I asked him how long he had been wearing hearing aids. He said about 25 years. I asked how long he waited to get them once he found out he had hearing loss. He said he got them as soon as he was told about his loss and had worn hearing aids every day since.

Then, just a few weeks ago, a nearly 80 year old patient who had worn hearing aids for over 45 years came in to inquire about new hearing aids because of diminished understanding. The patient was concerned about possible brain changes could be happening. After testing I found that after many years of wearing hearing aids, the patient to have excellent speech understanding, as long as the incoming sounds were loud enough.

These two experiences reinforced my conviction that the likelihood of better hearing and understanding later in life is largely achieved by treating hearing loss as soon as possible. The harvest of healthy hearing later in life is reaped after sowing healthy hearing habits earlier in life.

Blue Ribbon | Better Hearing

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Blue Ribbon Hearing

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Offered by Pastor TJ & Jill – Venture Church

What a great beginning to our new church! God is doing great things in Lochbuie and we are excited to invite you out to be our guest. This month we are in our series “Fear, HE is a liar.” We will be allowing God to break the strongholds that Fear has on us. During our adult service, Venture Kids will be doing a lesson called “Fearbusters” helping them to overcome the fear that kids have. It is an interactive and thoughtful approach with the kids on their level. We believe that these parallel messages will create a lot to talk about around the dinner table.

November 7th is the launch to Venture Youth (6th-12th grade). Wednesday nights will be filled with open gym time, a study that will get the students talking and activities and events throughout the year to keep them engaged and growing emotionally and spiritually.

We look forward to meeting you, Pastor TJ Roberts

Venture Church: Love God / Church / Community.
• Sunday 10am.
• Meadow Ridge Elementary School
• 1501 Fletcher Ave. Lochbuie

Find out more at: www.doyouventure.com or: www.facebook.com/doyouventure

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Venture Church

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Offered by Advanced Urgent Care & Occupational Medicine Marketing Team

Sick season is in full swing. Kiddos are back at school, vacations seem to be wrapping up, and the holidays are right around the corner. Are you and your family prepared for sick season? While we can never be completely prepared, we can make sure we are utilizing some of the available tools to help.

Flu SeasonStarting October 1st, all three of our Advanced Urgent Care & Occupational Medicine locations; Brighton, Northglenn, & Fort Lupton, will be offering flu shots. Our flu shots are FREE with most insurance plans. No appointments are necessary. Flu shots are also available on the weekends, stop by our Brighton or Northglenn locations between 8am to 8pm. Flu shots for current Medicaid patients are only offered at our Platte River Medical Clinic in Brighton.

According to the Centers for Disease Control (CDC), the best way to combat against the flu season, is to get the annual flu vaccine. They also recommended getting vaccinated before the flu begins, which is by the end of October. If you or your family miss getting your flu shot in October, don’t worry! It is still beneficial to get the shot during flu season.

In October, we are simplifying the process even further, by offering flu shots on our new mobile clinic. This is a fun way to tour our new clinic as well as prepare yourself or family for the sick season. To find out more information about our Mobile Clinic Flu Shot Events, please visit our website at: www.advurgent.com/flu-shots-availableVirtual Medicine | Advanced Urgent Care

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Advanced Urgent Care

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Offered by Willy Strohmeier, Colorado Karate Club

“I just don’t get it”, complains Jonathan after trying, unsuccessfully to execute a takedown at Karate class. I look at him a bit puzzled and say: “That’s OK, that’s why you are here, to learn it, and I am here to help you. Plus, this is the first time you’ve tried it, let’s work on it, and you will see that you will get it .”

After a few adjustments and repetitions, Jonathan begins to understand the mechanics of the move, his body responds better and by the end of the class, he’s smiling at the feeling of having accomplished what he first thought was a lost cause.

Like Jonathan, many of us start up things with the preconceived notion that we are just not good at it. We already know that we will fail or do poorly. And unless we have someone to encourage and guide us to success, we will fulfill our own expectations and fail.

Most of the time though, this negative thinking has nothing to do with reality, but comes from what has been repeated to us by those around us, parents, teachers, friends, siblings, etc. Many times, without even realizing it, we are molding the self image of those around us with our words, especially children.

To begin with, we must get rid of negative personal labels, especially when correcting a child. Calling someone dumb, lazy, annoying, or things of that sort may seem unimportant at the moment, but can stick with a person even into adulthood. When correcting someone, it is helpful to separate the individual from the action. A simple trick is to replace: “You are…” with “What you did, was…” because it is a lot easier to change our actions, than it is to change who we are.

Fortunately, we can just as well help to build someone’s self confidence. So, as a parent or teacher, it is our objective not only to teach the child, but to ensure that they will perform at their best, to encourage them, and to help them realize that they are able to achieve more than they may have been led to believe by others.

Finally, I often mention to our instructors, that anytime we interact with a student, we must be keenly aware that we are either building them up, or tearing them down, there is no neutral encounter. The same applies to everyday life; within our families, work, social media, or out on the street, do we build, or do we demolish? Especially as it concerns to our children… My hope is that we take each day to build them up, bit by bit into strong, confident, and positive individuals.

Willy Strohmeier – Sensei

Colorado Karate Club

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Colorado Karate Club

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Register Your Cameras | City of BrightonBrighton Police Department has been all over the news lately for the innovative way it’s asking the community to help fight crime. Home and business owners can now volunteer to register their surveillance cameras with the police department.

“Essentially this is a modern day neighborhood watch,” Chief of Police Paul Southard said. “It is an excellent way to partner with the police department to help keep an eye on your property and the surrounding neighborhood.”

Brighton Police Department says this program will help its officers in locating video evidence related to crimes in a timelier manner.

“Currently officers have to go door to door to contact residents or businesses who may have video,” Southard said. “This is a time consuming task and we may still miss locations that may potentially have footage that might be useful.”

While many people have recognized the time-saving help this can offer officers and investigators in the aftermath of a crime, others are weary about the privacy they might be giving up by telling Brighton PD about their personal cameras. Chief Southard assures the community this is a simple and secure partnership.

“This partnership is completely voluntary and, again, is a location registration tool only,” he said. “This registration does not allow us access to your system or footage. We would only contact you if we think you may have footage that would be instrumental to a case and you’re willing to share that footage.”

All the information community partners submit through the online registration form will be kept in a secure location that only the police department has access to. In addition, the registration form online only direct officers and investigators to you. There is an additional step in the process if your footage needs to be reviewed.

“Since names will not be available, officers will still have to make contact with our community partners at their residence or place of business,” Chief Southard said.

If you’re interested in becoming a community partner with the Brighton Police Department you can register your surveillance cameras online at: www.brightonco.gov/1314/Neighborhood-Surveillance-Camera-Registr

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Offered by Kelly Fausey, CPNP – Brighton Pediatrics

The fall colors have started to change, school is back in session and football season has returned. These are all signs of Fall returning to Colorado. As we get back into the school routine, plan trips to see fall colors and attend football games; add getting your flu vaccination for your family to the top of the list. The flu season starts mid-October with peak typically during the winter months (December, January and February) and can last until the middle of May. The Center for Disease Control and Prevention is urging everyone to get the flu vaccine by the end of October (CDC.gov, 2018). The flu has a very rapid onset, with complaints of high fevers, sore throat, body aches, fatigue, runny nose, cough, headaches and vomiting. The complications from the flu are most detrimental to children under 5 years old, (especially under the age of 2 years old), pregnant women and people older than 65. In addition, anyone with medical problems involving their lungs, heart or immune system are also at greater risk from complications of the flu.

One way to help prevent the spread of the flu and prevent complications is to get the yearly flu vaccine for your family. The flu is spread up to 6 feet away by sneezing, coughing and can be inhaled or spread by touch. A sick family member can spread the flu typically for 3-4 days (and young children up to 7 days) to other family members and friends. What is difficult about the flu is that symptoms come on very fast and you can be contagious 3-4 days before symptoms develop. Getting your annual flu vaccine is a great way to stop the spread of the flu to your family and friends.
Recommendations to begin the annual flu vaccine starts with children 6 months of age and older. For those children ages 6 months old to 8 years old who are receiving the flu vaccine for the very first time, it is recommended that they return for a booster flu vaccine in 4 weeks. Brighton Pediatrics has already started their annual flu clinics. Please contact Brighton Pediatrics to schedule an appointment for the flu vaccine for your children this Fall season.

For more information, visit our website at: www.brightonpeds.com

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Brighton Pediatrics

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Offered by Janine Lechleitner, CPNP – Premier Pediatrics

“The flu shot gives me the flu.” If I had a penny for every time someone told me that I would be rich! Is this statement true? NO!

There are several types of vaccines including live, inactivated, toxoid, subunit, and conjugate. Flu shots are inactivated vaccines, meaning they are not able to cause infection.

So why do some feel sick after a flu shot? It is because vaccines help us develop immunity by imitating a flu infection. In turn, our bodies produce T-lymphocytes and antibodies to the flu virus. This “imitation” infection sometimes cause minor symptoms such as low-grade fever, headache, or mild body aches. However, when this “imitation” infection resolves, we are left with memory T-lymphocyte and B-lymphocyte cells that will remember how to fight the flu virus in the future.

There are multiple reasons to get a flu vaccine, including:

  • Keep us from getting sick with the flu.
  • Decreased risk of flu-related hospitalization.
  • Preventive/protective measure for those with chronic health conditions.
  • Decreased risk of flu-associated acute respiratory infection in pregnant women.
  • Can be life-saving in children.
  • Reduced severity of illness in those who get vaccinated but still get sick.
  • Protective measure for those around you such as babies, elderly, immuno-suppressed, and those with chronic health conditions.

The CDC recommends receiving an annual flu shot before the end of October, however vaccination even into January or later often proves beneficial.

Schedule your flu shot today!

Get the flu Shot

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Premier Pediatrics

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Offered by Jan Hepp-Struck, Hepp Realty

It seems strange to be talking about getting your home ready for winter when we are still having 80+ degree days, but before you know it, we’ll have that first freeze and you don’t want to be caught off guard because that can lead to costly repairs.

Most importantly, turn off exterior water, disconnect any hoses, and remove the air valve cap (on the pipe near your exterior water turn-off), then run your sprinkler system to drain it of any residual water. It’s also advisable to cover exterior pipes with foam insulation and faucets with a foam cover, or simply wrap them with a protective covering of rags, sock, etc.
Next, check your home exterior, basement, and garage, for any cracks or small openings. Fill them with steel wool or spray foam to prevent pesky rodents from getting inside. Mice can actually enter through a hole about the size of a dime!

You’ll most likely want to call a HVAC company to winterize your air conditioner and do a furnace check prior to turning it on for the season. Additionally, if you have ceiling fans, flip that switch to reverse the blades so they are blowing the air down instead of pulling it up. That way it keeps the warm air circulating where you are instead of rising to the ceiling, and this is especially important if you have vaulted ceilings!

Last, it’s good to check the caulking around your windows to make sure cold air isn’t sneaking in. And another very easy DIY winterization trick is to install inexpensive insulation foam in your light switches and electrical outlets. Those little foam pieces cost hardly anything, but can save you a surprising amount on your utility bills.

For proven expertise in buying or selling a home, please call Jan at 303.520.4340

Winterization

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Hepp Realty | Brighton Real Estate

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Baby boomers entering their “second acts” should think about these matters.
Offered by T. Lloyd Worth, Worth Financial Partners

Retirement is undeniably a major life and financial transition. Even so, baby boomers can run the risk of growing nonchalant about some of the financial challenges that retirement poses, for not all are immediately obvious. In looking forward to their “second acts,” boomers may overlook a few matters that a thorough retirement strategy needs to address.

RMDs. The Internal Revenue Service directs seniors to withdraw money from qualified retirement accounts after age 70½. This class of accounts includes traditional IRAs and employer-sponsored retirement plans. These drawdowns are officially termed Required Minimum Distributions (RMDs).¹

Taxes. Speaking of RMDs, the income from an RMD is fully taxable and cannot be rolled over into a Roth IRA. The income is certainly a plus, but it may also send a retiree into a higher income tax bracket for the year.¹

Retirement does not necessarily imply reduced taxes. While people may earn less in retirement than they once did, many forms of income are taxable: RMDs; investment income and dividends; most pensions; even a portion of Social Security income depending on a taxpayer’s total income and filing status. And once a mortgage is paid off, a retiree loses the chance to take the significant mortgage interest deduction.²

Health care costs. Those who retire in reasonably good health may not be inclined to think about health care crises, but they could occur sooner rather than later – and they can be costly. As Forbes notes, five esteemed economists recently published a white paper called The Lifetime Medical Spending of Retirees; their analysis found that between age 70 and death, the average American senior pays $122,000 for medical care, much of it from personal savings. Five percent of this demographic contends with out-of-pocket medical bills exceeding $300,000. Medicines? The “donut hole” in Medicare still exists, and annually, there are retirees who pay thousands of dollars of their own money for needed drugs.³,⁴

Eldercare needs. Those who live longer or face health complications will probably need some long-term care. According to a study from the Department of Health and Human Services, the average American who turned 65 in 2015 could end up paying $138,000 in total long-term care costs. Long-term care insurance is expensive, though, and can be difficult to obtain.⁵

One other end-of-life expense many retirees overlook: funeral and burial costs. Pre-planning to address this expense may help surviving spouses and children.

Rising consumer prices. Since 1968, consumer inflation has averaged around 4% a year. Does that sound bearable? At a glance, maybe it does. Over time, however, 4% inflation can really do some damage to purchasing power. In 20 years, continued 4% inflation would make today’s dollar worth $0.46. Retirees would be wise to invest in a way that gives them the potential to keep up with increasing consumer costs.⁴

As part of your preparation for retirement, give these matters some thought. Enjoy the here and now, but recognize the potential for these factors to impact your financial future.

T. Lloyd Worth may be reached at (303) 558-0214 or email: Lloyd.Worth@LPL.com, www.WorthWealthManagement.com

This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. This information has been derived from sources believed to be accurate. Please note – investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and are not illustrative of any particular investment.

Securities and Advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA/SIPC (www.finra.org / www.sipc.org)

Citations.
¹ – thebalance.com/required-minimum-distributions-2388780 [6/3/18]
² – kiplinger.com/slideshow/taxes/T064-S003-how-10-types-of-retirement-income-get-taxed/index.html [3/27/18]
³ – forbes.com/sites/nextavenue/2018/06/28/the-truth-about-health-care-costs-in-retirement/ [6/28/18]
⁴ – mdmag.com/physicians-money-digest/practice-management/four-big-retirement-threats-and-how-to-protect-yourself [8/2/18]
⁵ – money.usnews.com/money/personal-finance/saving-and-budgeting/articles/2018-04-13/6-ways-to-pay-for-long-term-care-if-you-cant-afford-insurance [4/13/18]

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Worth Financial Partners