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Offered by: Jennifer Bell – Bell Benefits, LLC

What can you do??

Medicare has so many rules about timing of when you can and cannot do things. Right now is another one of those time periods when you CAN do something. It’s called the Open Enrollment Period (OEP). During the Medicare Open Enrollment Period, Jan 1 – March 31 each year, you can do a couple things.

The first is if you are over 65 and not covered by an employee group health plan and not on Medicare, you can add Medicare Part B. You may already have Part B in place but some people do not enroll in Medicare right when they turn 65. If you are someone who has waited to get on Medicare, this is the time when you should apply to get on Medicare.

When you enroll in Medicare during the OEP for the first time after age 65, your Medicare Part B will start July 1 of the year you complete your Medicare enrollment. Also, if you are enrolling in Medicare late, you will have a Late Enrollment Penalty (LEP). This is a monthly fee that will be added to your Medicare Part B premium for the rest of your life. They add 10% of the current Part B premium for each 12 month period you delay Medicare Part B.

The other thing you can do during the OEP is make a change to your Medicare Advantage Plan. If you started January 1 on a Medicare Advantage Plan, you can make a one time change to either (1) another Medicare Advantage Plan or (2) go back to Original Medicare and pick up a Prescription Drug plan. If you do go back to Original Medicare, you can also apply for a Medicare Supplement.

If you have questions about your specific situation, please let me know. I can help. 720-626-6524.

Jennifer Bell | Bell Benefits

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Offered by: Brighton Clinic of Chiropractic

We have been blessed with several grandchildren over the last few years. The newborns seem to sleep most the day and the toddlers never stop moving. These kiddos grow so fast. If you watch close enough, you’d say they are growing right in front of your eyes. Makes me wonder as adults, are we getting enough activity and getting adequate sleep? Like the newborn baby, our body uses sleep as an opportunity to heal, regenerate and grow. Like the toddler, our body needs to move to develop coordination, balance and stimulate growth.

Many people that workout regularly hit growth plateaus because they don’t allow their body sufficient time to rest. When our body is pushed over and over and not allowed to rest, it will burn up valuable nutrients that we had in reserve and then we start living each day as though our gas tank is running on fumes. The human body needs proper sleep, nutrition, clean air and clean water to thrive.

We need activity too! Some people lay around all day and say they don’t have the energy to move. Why do you need energy? You must move to create the need. The law of supply and demand tells us that moving will supply the demand for energy. Then we must nourish our bodies appropriately with whole foods (not flour and sugar) and then true energy (not caffeine) is the gift we get in return.

Some people need to stop and get more sleep. Some people need to move more. Keep this in mind as you continue this second month with your New Year resolutions. Call us at 303-993-6092 for help with your health.

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Offered by: Susan Kline – The Brighton Buzz

Susan Kline

One of the feelings that surfaces at the start of a new calendar year is the need to create a better year than the last. How can we lessen the prior year’s adversities and achieve the goals we set as New Year’s resolutions. Often times, daily life brings us back to doing things in a similar way as the prior year just to keep the home fires burning!

I’ve been asked fairly frequently if I’m going to retire. The answer is “Yes, of course, sometime.” How and why are good questions to ask ourselves when it comes to rationalizing what we do. In my case, preparing each issue of The Brighton Buzz is a labor of love because the connection with advertisers, learning more about our community, meeting new business owners and finding out about their hopes, dreams and visions keep my mind learning all the time. It also is very rewarding to bring these resources to the readers in our distribution while growing a better sense of community.

Maybe it’s hard to see where the passion comes from in your daily endeavors, but, when that becomes obvious, it lights the fire to your motivation and captures the interest of those working around you. Our Brighton Buzz designer, Mario Waller, has covered these pages with his inspired view of our advertisers’ offerings. A heartfelt thank you to Mario for giving his all to each issue. Share your enthusiasm and passion for your work and give those in your world an opportunity to grow and learn with you.

Our wish for you this February is to focus on doing more things “For The Love of It” and and live a happier more successful life in the process.

All The Best This February,

Susan

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Offered by: Brighton Youth Rugby Association

As we head into our fourth year, we are bringing High School Rugby back to Brighton!

Head Coach Mike Thomas is returning alongside Mike Gurule, Kevin Gorell, Will Vowles and BYRA co-founders Damon Balcerak and Jeffrey McEntee. With over 50 years of combined playing and coaching experience between our coaches we are continuing our mission to grow the sport of Rugby in Brighton, build strong character in our players and develop competitive teams. Our high school practices start promptly in January with games beginning in March. Rugby is rapidly growing in popularity and recognition, especially among football families and coaches that embrace the safe tackling methods taught in Rugby. No prior Rugby experience is required, we invite every 8th through 12th grade boy to come out and embrace this incredible sport.

Check for updates at: www.brightonyouthra.com, www.facebook.com/BrightonyouthRA/, or email us at: brightonyouthra@gmail.com.

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Offered by: Richard W. Martin, M.D. – Brighton Pediatrics, P.C.

Imagine being the only child at a birthday party who can’t have a piece of cake. Celiac disease is an autoimmune disease triggered by the ingestion of gluten in genetically susceptible children. Gluten is a complex protein found in wheat, barley, and rye. For a child with celiac disease, the gluten in as little as 1/250th of a piece of bread can damage the inner surface of the small intestine that absorbs nutrients and cause a range of problems. About one person in one hundred has celiac disease.

Celiac disease may be difficult to recognize because the symptoms are shared by so many other disorders. Confusingly, celiac disease may present with diarrhea but almost as frequently with constipation. It may also present with abdominal
pain, nausea, vomiting, and weight loss. Surprisingly, celiac disease may also cause problems as varied as hair loss, anemia, recurrent mouth sores, depression, and delayed puberty.

If your child’s doctor thinks your child might have celiac disease, she or he can order a blood test that measures antibodies against the enzyme tissue transglutaminase, which is increased in celiac disease. It is still recommended
to confirm the diagnosis with an upper GI endoscopy, because following a lifelong gluten-free diet is both necessary and difficult.

For a child with celiac disease, ingestion of even a tiny amount of gluten may cause damage to the lining of the intestine that takes months to heal. Any food that contains any form of wheat, barley, or rye must be carefully avoided.
Although oats are inherently gluten free, they are often contaminated in the harvesting and milling process. Therefore, only oats that are labeled as gluten free should be eaten. Eating out can be difficult unless a restaurant has a gluten-free menu. It may not always be obvious when foods contain gluten—for example, soups and sauces that are thickened with flour, chicken that has been dipped in flour, or meatballs mixed with flour. It is important to check ingredient labels carefully. Fortunately, more gluten-free alternatives are becoming available in grocery stores with a certified gluten free label.

Please visit our website at www.brightonpeds.com

Brighton Pediatrics

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Offered by: UE Legacy Beef

Legacy Beef has been providing Premium Colorado beef to family and friends for quite some time.  Through hard work and determination, we were able to stay and grow and 104 years later, now into our 5th generation, our family tradition of providing Premium Colorado beef to friends and family continues. Here is what a few have to say:

“After nearly two decades of purchasing from this company it is an honor to highly recommend it to anyone that loves great beef. Raising my children on this aged and hormone free beef has produced a second generation doing the same for their families. The taste and quality is incomparable to anything that can be purchased commercially. Whether grilling a steak, slow cooking a roast, searing chicken fried steaks or burgers on the grill, friends cannot believe the difference in the taste!”

Cotton Family

“We have been buying Legacy Beef for more than six years and we have always been very happy with our meat. After moving to Oklahoma from Colorado we still purchase our meat from them. We feel we are purchasing from a rancher of integrity and that makes it worth the trip.”

Judy Williams

We are delighted to invite YOU to join our ever-growing circle of friends and family! Check us out at uelegacybeef.com.

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Offered by: Melissa Rippy – Rippy Insurance Agency / Allstate

It is hard to believe that a new year is upon us! Perhaps you are like me and saying where did the time go? We have all been taking one day at a time and the pandemic has forced us to slow down, whether we like it or not. As we reflect upon the past year, we wanted to take a moment to say thank you for your business and support of the Rippy Agency. We have been honored to serve our community since 2013 and offer over 60 years of collective industry experience in our agency.

In November, the Rippy Agency was honored to be named the 2021 Small Business of the Year by the Greater Brighton Chamber of Commerce. We would not be here if it weren’t for many of you, and for that, we are grateful.

We had 56 children who were adopted from our 9th Annual Angel Tree and received gifts from our community over the holiday. In addition, we provided gifts for a family with five children. This would not have been possible without so many generous people in our community.

With the New Year here, what are your resolutions? Maybe your resolution is to not have resolutions! It takes a minimum of 21 days for an old mental image to dissolve and a new one to gel, but it takes 66 days to form a habit. Instead of making a resolution you know you’re going to break, wait until you are ready and the success will follow. Let us know if we can help review your auto, home or life insurance needs and have a safe and HAPPY NEW YEAR from the Rippy Agency!

Allstate Rippy Insurance

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Offered by: City of Brighton Communications

Eye for Art 2022

More than 200 pieces of artwork are now on display for the 2022 Eye for Art “Perspectives” show, with a public opening set for Friday, January 7 from 6 – 8 p.m. at Brighton City Hall (500 S. 4th Avenue). The show will feature the original artwork of 47 artists, ranging in medium from stunning oils, acrylics, inks, and watercolors to photography, digital paintings, and jewelry.

Featured artists: Leilani Baker, Martín Beauchamp, Madelynne Broyles, Lisa Buckner, Mary Chan, Mona Christenson-Fansher, Roxanne Cunningham, Ron Cupps, David Dehoyos, Richard Gallagher, Dean Glorso, Breanna Gutierrez, Edward Hansen, Kathleen Hansen, Mary Hansen, Andrea Hofmeister, Jay Jaramillo, Bob Kagohara, Linda Kirkendall, Todd Kovach, Lauren Lang, Denise Leck, Pam Lendi, Gail Marchetti, Kary Mayes, Mj Mccafferty, Jason Mckinsey, Rose Murray, Jameson Owens, Susan Owens, Frank Pryor, David Richers, Carra Riley, Frank Romero, Julia Schell, Judyth Schissler, Lori Shields, Carl Steitz, Kirk Stevens, Philip Temmer, Lana Tyler, Phyllis Utter, Dan Walters, Susie Wheeler, Grace Yu, and Jamie Zerr-Lockwood.

The exhibit is open to the public through April 15 throughout the floors of City Hall. Artwork is available for purchase (excluding art labeled NFS).

After Jan. 7, appointments will be required to view the artwork. To make an appointment, contact David Gallegos, Arts and Culture Coordinator, at dgallegos@brightonco.gov or 303-655-2176.

The art show will end on Friday, April 15.

To learn more about the show and/or Eye for Art program, visit the Eye for Art page or contact David Gallegos at 303-655-2176.

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Offered by: Tim Roberts – Edward Jones

As you know, inflation heated up in 2021, following years of pretty stable – and low – numbers. And now, early in 2022, we’re still seeing elevated prices. As a consumer, you may need to adjust your activities somewhat, but as an investor, how should you respond to inflation?

First, it helps to know the causes of this recent inflationary spike. Essentially, it’s a case of basic economics – strong
demand for goods meeting inadequate supply, caused by material and labor shortages, along with shipping and delivery logjams. In other words, too many dollars chasing too few goods. Once the supply chain issues begin to ease and consumer spending moves from goods to services as the COVID-19 pandemic wanes, it’s likely that inflation will moderate, but it may still stay above prepandemic levels throughout 2022.

Given this outlook, you may want to review your investment portfolio. First, consider stocks. Generally speaking, stocks can do well in inflationary periods because companies’ revenues and earnings may increase along with inflation. But some sectors of the stock market typically do better than others during inflationary times. Companies that can pass along higher costs to consumers due to strong demand for their goods – such as firms that produce building materials or supply steel or other commodities to other businesses – can do well. Conversely, companies that sell nonessential goods and services, such as appliances, athletic apparel and entertainment, may struggle more when prices are rising.

Of course, it’s still a good idea to own a variety of stocks from various industries because it can help reduce the impact of market volatility on any one sector. And to help counteract the effects of rising prices, you might also consider investing in companies that have a long track record of paying and raising stock dividends. (Keep in mind, though, that these companies are not obligated to pay dividends and can reduce or discontinue them at any time.)

Apart from stocks, how can inflation affect other types of investments? Think about bonds. When you invest in a bond, you receive regular interest payments until the bond matures. But these payments stay the same, so, over time, rising inflation can eat into your bond’s future income, which may also cause the price of your bond to drop – a concern if you decide to sell the bond before it matures. The impact of inflation is especially sharp on the price of longer-term bonds because of the cumulative loss of purchasing power.

However, Treasury Inflation-Protected Securities (TIPS) can provide some protection against inflation.  The face value, or principal amount, of each TIPS is $1,000, but this principal is adjusted based on changes in the U.S. Consumer Price Index. So, during periods of inflation, your principal will increase, also increasing your interest payments. When inflation drops, though, your principal and interest payments will decrease, but you’ll never receive less than the original principal value when the TIPS mature. Talk to your financial advisor to determine if TIPS may be appropriate for you.

Ultimately, inflation may indeed be something to consider when managing your investments. But other factors – especially your risk tolerance, time horizon and long-term goals – should still be the driving force behind your investment decisions. A solid investment strategy can serve you well, regardless of whether prices move up or down.

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor.
Edward Jones, Member SIPC

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Offered by: Jan Hepp-Struck, Hepp Realty

We made it through the roller coaster known as 2021, and though I’d love to say we can all just “sit back, catch our breath, and relax for a spell”, well, I just don’t see that in the cards. I think it’s safe to say that life as roller coaster ride IS our new norm and we all need to hold on tight, look for ways to help make our community and our world a better place, and celebrate the rainbows and silver linings along the way!

In terms of the real estate market, the Realtor.com economists and experts’ 2022 Housing Forecast is not much different from last year’s. There is every reason to believe that 2022 will continue the upward trend for sellers, though at a slightly less chaotic pace. Here are the highlights to watch for in 2022:

  1. Mortgage rates are expected to climb a little more throughout 2022, probably reaching somewhere around 3.5% by last quarter. If you aren’t planning to sell or haven’t refinanced recently, you may still want to consider refinancing now
    to take advantage of rates that are still near historic lows.
  2. Home prices are expected to continue rising, though at a slower pace for 2022, and the rise will be more market dependent.
  3. The bidding wars and sales over listing price aren’t going anywhere but may calm down some depending upon the specific market.
  4. Housing inventory will remain limited, but not as bad as the last couple of years.

As always, we’re here to help you with your buying and selling needs. Working with an experienced and proven Realtor® is always the recommended path to avoid unnecessary pitfalls and obstacles when you are ready to make a move. In the meantime, we wish you all a happy, healthy, and prosperous new year!

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