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Offered by: Scott and Lora Nordby – Berkshire Hathaway HomeServices

While it’s true that the real estate market is as hot as ever, there are still things you should do before you list your home. Changes in our communities has changed our day-to-day lives. If you’re considering putting your home on the market this autumn, here are some things to consider:

Seasonal differences. The images used to market your home are the first impression potential buyers get. Before they even see the number of bedrooms, how many spaces in the garage, or how large the lot is, pictures get attention.  is means that if you’re considering putting your house on the market, talk with your REALTOR® right away. Get photos scheduled so that your beautiful green lawn shines brightly on the market when other lawns have faded.

Air it out. With cooler temperatures, it’s an excellent time to air out the house. Open windows, clean the exterior, and open the blinds for extra light as the days get shorter.

Clear the space. With the change in school and work routines, it’s likely that your house looks pretty lived in. Do yourself a favor and do another deep clean (similar to what you do in the spring) to purge unnecessary paperwork, toys, clothes, and other household items that can clutter your home. When you’re ready to list (and to move!) you’ll be that much further ahead.

Get help. If you’re unsure about what the right time is to sell your home, talk with a REALTOR®. Your real estate professional can discuss your goals, get clarity on your timeline, and work with you to create a plan that gets you where you want to be.

If you’re considering listing before the year is up, call us at 303-905-8850. We can talk and make sure you have all the information you need to make the best decision for you and your family.

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Offered by: City of Brighton Communications Staff

A new traffic signal is coming to a busy Brighton intersection. On Tuesday, Oct. 6, City Council voted to approve a resolution to award a $390,008 contract to W.L. Contractors for the 144th and Sable Traffic Signal Construction Project. This project aims to improve the safety and traffic flow of the intersection. W.L. Contractors was recommended as the lowest and most responsive bidder.

The intersection of East 144th Avenue and Sable Boulevard is currently a four-way stop, part of the design phase ahead of the installation of the traffic signal. In July 2019, the intersection was modified to enhance signage and advance warnings. Even after the improvements were made, the crash rate did not improve and thus was shifted to an all-way stop.

Construction of the traffic signal is expected to increase the safety of the intersection, reduce the severity and frequency of accidents and improve efficiency and operational use of the busy corridor.

“As the City of Brighton continues to grow, we anticipate many new traffic signals within our transportation system. Sable Blvd. was formerly a state highway owned by the Colorado Department of Transportation, where ownership was transferred to the City of Brighton around 2011. This will complete the second traffic signal along the corridor,” said Christopher Montoya, Public Works Engineering Manager.

The project is expected to begin in the fall and anticipated to take about 11 months to complete. Impacted residents will be notified of street closures.

For more information, please contact Chris Montoya at cmontoya@brightonco.gov.

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

As the weather abruptly turned colder in October, I raced home one evening to finish harvesting the last of the food from our small family garden. Two of my children helped as I dug up the sweet potatoes before the ground froze. The initial excitement of cutting away vines and then digging in the dirt and finding large bundles of orange roots faded as the work became more difficult and tiresome. My daughter asked when we would be able to eat the sweet potatoes and I explained it would be quite some time before they were cured and ready to eat.

Since she had helped throughout the entire gardening process, we were able to incorporate the season’s activities into many of her school lessons. As we talked about the fruits and vegetables we had been able to harvest and eat, I asked her a question as the ultimate summary of what we learned: “Do you know what ‘The Law of the Harvest’ is?” I went on to explain that it means, “You reap what you sow,” or in other words, you harvest what you plant.

The Law of the Harvest is universal and applies to every aspect of our lives. The decisions we make in life matter, and the freedom to make choices and decisions is a precious gift. Sometimes we are able to know what the results of our decisions will likely be based on our own experiences, while at other times we must rely on the experience of others. When it comes to the consequences related to untreated hearing loss, data gained from numerous sources, along with my 13 years of experience, fuels my desire to share the importance of treating hearing loss. Numerous studies show the negative impact on mental health, including dementia, as a result of untreated hearing loss. Recent events have highlighted some of these negative effects.

While 2020 has been the most unpredictable year that anyone can remember, some things have not changed. Social interaction and personal connections are still an integral part being healthy as individuals and as a society. The negative consequences of social isolation have never been as apparent as they have been in the past year. The physical barriers brought about by the Covid-19 virus and the policies implemented to stop the spread of the disease have had an impact on everyone. The CDC has reported increased incidents of depression and other mental health issues following the government implemented shutdowns, in part due to decreased social interaction.

These same types of symptoms have been reported for many years in adults with hearing loss. When adults lose their ability to hear and understand, especially in noisy environments, they tend to become isolated. The isolation starts gradually and becomes more extreme with time. Sometimes the isolation comes from their own choice, while other times they are purposefully left out. Either way, treating hearing loss earlier can significantly reduce the likelihood of social isolation and the associated negative mental health issues.

As we move into this holiday season, please take time and make the effort in whatever way possible to provide social support for those who have been isolated due to the pandemic. At Blue Ribbon Hearing, we are thankful for the exceptional amount of support we have received from the community and especially the readers of the Brighton Buzz. Your continued support of us and other local businesses strengthens our community. We continue to ask that if you are able, support our local charity Almost Home, Inc.

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Offered by: Joseph M Smith, MD

Providing mental health care during a global pandemic is more important than ever. At least 1 in 5 children have a diagnosable mental health condition. When these conditions are left unaddressed, this can lead to a decrease in quality of life or worse. Rates of depression and anxiety in children and adolescents continue to rise. Suicide continues to be a leading cause of death in adolescents in most states. It is well known that early access to mental health services makes the greatest impact on these challenges.

Premier Pediatrics, continues to expand mental health services. Our inperson therapist, Heather Fass (pictured) of Integrated Care Institute, is currently providing mental health care to our patients with the following insurances: Anthem BCBS, Aetna, United Healthcare, and Cigna. She also accepts self-pay clients. While Heather notes the importance of in-person counseling, she does o er teletherapy sessions to accommodate her clients’ comfort and accessibility needs. We also continue to offer Telehealth appointments with a therapist or a psychiatrist through AccessCare to the following insurances: United Healthcare, Aetna, Cigna, Medicaid, and Colorado Access.

Premier Pediatrics is committed to eliminating the barriers to mental health through these services and hope many of our precious children,
adolescents, and young adults will benefit greatly. For more information, call: 303-655-1685.

Posted by & filed under The Buzz.

Offered by: Susan Kline – The Brighton Buzz

Susan Kline

Arriving at this time of year seems like we’ve taken the “scenic route” to the month of December. Winding our way through the varying hills and valleys of 2020, we have all taken different routes than we’re used to in order to navigate the year. It feels somewhat similar to watching an episode of “The Amazing Race” with all the pitfalls along the way. Let’s celebrate the fact we’ve made it to December 2020 and we’re all winners for doing so!

Nonetheless, we’ve arrived just in time to sprinkle Holiday Cheer on our 2020 journey. It’s amazing how Christmas decorations can lift spirits and take us to a time that elicits fond memories and child-like excitement. This year, making preparations to decorate, buy gifts, bake some delicious cookies, and all that goes along with “The Holidays” is a welcome diversion from our raging pandemic. This year’s gift is the feeling of joy we receive from engaging in these happy thoughts and activities.

We’ve created our December issue as another way to spread joy to you and your families. Please note the wonderful offers inside and the well wishes of our advertisers. We hope you enjoy the season and find The Brighton Buzz to be a great resource toward making that happen!

From all of Us At The Brighton Buzz, Happy Holidays!

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Offered by: Dolan & Associates, P.C.

As I write this article, the election is fast approaching. In fact when you read this, it may already be over. This election season has been quite contentious. Social media plays a role and it is only going to get worse, unless something changes.

Why? Because the computers and phones we spend so much time paying attention to are designed to capture our attention at any cost. Unfortunately, sociologists are finding that they are designed to reinforce material that we are interested in, to the exclusion of any differing viewpoint. Some think it is an evil plot, but in reality, it is how they sell more advertising.

As individual’s opinions are pulled farther and farther apart, they can no longer actively and openly discuss societal issues without relationships being impacted. What can we do?

One of the things I have learned from the many estate planning clients I have had the pleasure of serving, is that caring for others and being cared for by others are two of the most important things in life. This wisdom is quickly lost when we fight with neighbors, coworkers, and family over the latest political issue social media has used to capture our attention.

Love first, and try and influence second. Don’t destroy your relationships with those around you battling over topics or issues on which you are marginally informed, or even worse misinformed.

World peace is not in the hands of politicians or world leaders, it is simply about how we treat each other on a day-to-day basis. So the next time you want to go to battle with those around you, remember that the issue you are fighting about will pass, but the relationship you destroy may never mend.

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Offered by: Integrity Insurance of Brighton

Medicare is the federal health insurance program created in 1965 for people ages 65 and over, regardless of income, medical history, or health status. The program was expanded in 1972 to cover certain people under age 65 who have a long-term disability.

  • Part A covers inpatient hospital stays, skilled nursing facility (SNF) stays, some home health visits, and hospice care. Part A benefits are subject to a deductible ($1,408 per benefit period in 2020). Part A also requires coinsurance for extended inpatient hospital and SNF stays.
  • Part B covers physician visits, outpatient services, preventive services, and some home health visits. Many Part B benefits are subject to a deductible ($198 in 2020), and, typically, coinsurance of 20 percent.
  • Part C refers to the Medicare Advantage program, through which beneficiaries can enroll in a private health plan, such as a HMO or PPO, and receive all Medicare-covered Part A and Part B benefits and typically also Part D benefits. In 2020, More than one-third (36%) of all Medicare beneficiaries – 24.1 million people out of 67.7 million Medicare beneficiaries overall – are enrolled in Medicare Advantage plans; this rate has steadily increased over time since the early 2000s. (per Kaiser Family Foundation)
  • Part D covers outpatient prescription drugs through private plans that contract with Medicare, including stand-alone prescription drug plans and Medicare Advantage plans with prescription drug coverage. New for 2021, beneficiaries will have the option to enroll in a Part D plan participating in the new Senior Savings Model, in which enhanced drug plans cover insulin products at a monthly copayment of $35 in the deductible, initial coverage, and coverage gap phases of the Part D benefit. Participating plans do not have to cover all insulin products at the $35 monthly copayment amount, just one of each dosage form (vial, pen) and insulin type (rapid-acting, short-acting, intermediate-acting, and long-acting).
  • Supplemental coverage fills the gaps in original Medicare and is offered by private insurance companies. A Colorado regulation has established a special enrollment period for 2021, Jan-June, allowing changes for enrollees in Plan F or Plan C. Contact me for details to see if this may be an option you would like to consider.

Medicare is my specialty; you have options, and it is the time of year to choose for 2021.

I can clarify any Medicare questions you may have. Call 303-887-8584 to get individual attention for your needs.

Not connected with or endorsed by the United States government or the federal Medicare program. This is an advertisement. Calling the telephone number in this advertisement will connect you to an independent licensed producer/agent.

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Offered by: Trinity Orthodontics

You’ve probably seen an Invisalign ad recently. They have spent millions of dollars perfecting their aligner system for straightening teeth and they want everyone to know it! Dr. Bryan Nelson is the #1 single provider of Invisalign in the Region and has spent years working with Invisalign to perfect the art of digital case management and he now has an office in Brighton. 4th Avenue Orthodontics is now Trinity Orthodontics.

Advanced digital case planning allows us to take comprehensive photos of your teeth using Itero scanning technology. We produce a digital roadmap for moving teeth to their ideal position. This, along with Dr. Nelson’s exceptional skill takes the guesswork out of teeth movement resulting in treatments being done in 12-14 months! Even the most difficult cases are getting amazing results using Invisalign. Invisalign is also great for early treatment on young kids and alleviates the need for bulky oral appliances. At your FREE consultation, scans of your teeth will produce a simulated picture of the end results before treatment even starts.

Dr. Nelson has made the teeth straightening process even easier by developing the F.A.S.T. System – Few Appointments Straight Teeth. Using video communication, photos, texts, and phone calls to accommodate virtual appointments, your time away from home/work/school is cut in half; plus, your risk of Coronavirus exposure is much less.

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Offered by: Willy Strohmeier – Colorado Karate Club

It was the Summer of 2008 at the National Karate Championship in Houston, TX. I was fighting in the open weight division against another member of the National Karate Team. He was about a foot taller and about 30 lbs heavier than me. With time running out, down by two points, I lunged forward with a combination that fell short. He counter attacked with a punch that struck my face with a cracking noise. I knew right away that my left cheekbone had been crushed. While I felt no pain, as the nerves had been severed on impact, I knew it was a serious injury.

That was the end of Nationals for me that year, and a long way of recovery that included hospital visits and reconstructive surgeries. I was already 35 years old, but there was still plenty of fire within me.

My wife asked me to stop competing, and I gave it a thought… about 5 seconds worth…I wasn’t done yet. I loved competing, was in great shape, and had plenty of experience that helped me overcome the 10-17 year gap with my opponents. After that, I went on to compete very successfully for another four years, and I enjoyed every minute of it.

People asked me if I was afraid to compete after what had happened. I competed for almost three decades, there were always the butterflies in my stomach the morning of the competition. But once I stepped into the ring, it was all business. No nerves, and especially, no fear. Regardless of the size or skill of my opponent, fear never entered my mind. But I do recall squaring against an opponent and seeing the fear in his eyes. I knew that in his mind, he was already defeated. The match was only a formality.

We tell our students, if you’re afraid of getting hit, you will get hit. If you’re afraid of getting hurt, you will surely get hurt. If fear dominates your thoughts, it will come for you. Just like poor, stricken Job put it, “For what I fear comes upon me, And what I dread befalls me.” – Job 3:25

Today, I look around and I see widespread fear, that paralyzing fear I saw in my opponent’s eyes years ago. As a competitor, I preferred to fight and risk injury, rather than give into fear and carry on with life-long regrets. However, I was never reckless, I prepared well, weighed the risks, and moved forward with full knowledge and confidence in my abilities.

I think that if we can properly understand the challenge in front of us, weigh the risks, and take action, we can move forward with courage and determination, rather than timidity and fear. As the Polish physicist Marie Curie said over a century ago: “Nothing in life is to be feared, it is only to be understood. Now is the time to understand more, so that we may fear less”.

And this I wish for us all.

Willy Strohmeier – Colorado Karate Club

Colorado Karate Club

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Offered by: T. Lloyd Worth

One survey found that 79% of small business owners expect at least some of their retirement income to come from tax-advantaged retirement savings accounts.¹ If you have yet to develop a retirement plan for your business, or if you’re not sure the plan you’ve chosen is the right one, here are some things to consider.

How much can my business afford to contribute?

The cost of contributions may be managed by the plan type.

A simplified employee pension plan (SEP) is funded by employer contributions only. SEP contributions are made to separate IRAs for eligible employees.²

Savings Incentive Match Plan for Employees of Small Employers (SIMPLE) IRAs blend employee and employer contributions.³ Employers either match employee contributions up to 100% of the first 3% of compensation, or contribute 2% of each eligible employee’s compensation.

A 401(k) is primarily funded by the employee; the employer can choose to make additional contributions, including matching contributions.⁴

What plan accommodates high employee turnover?

The cost of covering short-tenured employees may be reduced by eligibility requirements and vesting.

With the SEP-IRA, only employees who are at least 21 years old and have been employed in three of the last five years must be covered.

The SIMPLE IRA must cover employees who have earned at least $5,000 in any prior two years and are reasonably expected to earn $5,000 in the current year.

The 401(k) and defined benefit plan must cover all employees who are at least 21 years of age. Under the SECURE Act, these retirement plans are open for employees who have either worked 1,000 hours in the space of one full year or to those who have worked at least 500 hours per year for three consecutive years.

Vesting is immediate on all contributions to the SEP-IRA, SIMPLE IRA and 401(k) employee deferrals, while a vesting schedule may apply to 401(k) employer contributions and defined benefits.

Do I want to maximize contributions for myself (and my spouse)?

The SEP-IRA and 401(k) o er higher contribution maximums than the SIMPLE IRA. For those business owners who are starting late, a defined benefit plan may offer even higher levels of allowable contributions.

My priority is to keep administration easy and inexpensive.

The SEP-IRA and SIMPLE IRA are straightforward to establish and maintain.

The 401(k) can be more onerous, but complicated testing may be eliminated by using a Safe Harbor 401(k). Generally, the defined benefit plan is the most complicated and expensive to establish and maintain of all plan choices.

T. Lloyd Worth can be reached at 303-558-0214, or Lloyd.Worth@LPL.com.

¹Gallup, March 16, 2017. Most recent survey available.
²Like a Traditional IRA, withdrawals from a SEP-IRA are taxed as ordinary income and, if taken before age 59½, may be subject to a 10% federal income tax penalty. Under the SECURE Act, in most circumstances, once you reach age 72, you must begin taking required minimum distributions.
³Like a Traditional IRA, withdrawals from a SIMPLE IRAs are taxed as ordinary income and, if taken before age 59½, may be subject to a 10% federal income tax penalty. Under the SECURE Act, in most circumstances, once you reach age 72, you must begin taking required minimum distributions.
⁴Under the SECURE Act, in most circumstances, you must begin taking required minimum distributions from your 401(k) or other defined contribution plan in the year you turn 72. Withdrawals from your 401(k) or other defined contribution plans are taxed as ordinary income, and if taken before age 59½, may be subject to a 10% federal income tax penalty.

The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. Please consult legal or tax professionals for specific information regarding your individual situation. This material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named broker-dealer, state- or SEC-registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. Copyright 2020 FMG Suite.

Worth Financial Partners