Stay Warm, it’s February Letter From The Publisher
Dawa Sherpa Publisher
The Brighton Buzz
February often brings some of the coldest days of the year, and staying warm becomes essential for both comfort and health.
For those new to Colorado winters, this one has brought a few exceptionally cold periods. Layering is one of the most effective ways to keep warm. The best option is choosing something that offers a moisture-wicking base layer, an insulating middle layer, and a windproof and waterproof outer layer. Cold feet and hands can make your entire body feel colder faster – so, gloves, warm socks, and a hat for your head is always a good idea.
Keeping the indoors heated and warm is equally important. Make sure windows and doors are properly sealed to prevent drafts. Use thick curtains to retain heat, and place draft stoppers under doors. And of course, make sure your furnace is functioning properly. Check out several of our advertisers who can properly service your home heating needs.
And let’s not forget, it’s the month for love, so snuggle up in a warm blanket with a hot drink or some warm comfort food as you wait out the February’s chill. Spring is just around the corner!
Happy February!
Valuable Resources
planning is more than avoiding probate and saving taxes. A properly designed estate plan can provide so much more to protect your family. Most of these protections are ignored in cookie-cutter, form driven estate plans. For example…
Mary and Bill left their son John a substantial inheritance. John had grown up, married, completed college, and had a good job. en came the accident. As John was rushing to work on a wintery morning, he lost control of his car and crashed into a school bus. Children were injured. John was sued and found negligent. e resulting claim far exceeded his auto insurance limits, and even after the insurance paid $1,000,000 to those injured, he was staring at a court judgment of more than $2,000,000. His assets would be seized to pay the amount due. John was looking at bankruptcy. en he remembered the good news.
Bill and Mary had sought legal advice. e first lawyer they spoke with said they did not need estate planning because their estate value was below the estate tax exemption. He told them to designate John as the beneficiary on all the assets, because “it is simple and avoids probate.” ey weren’t comfortable with that advice, and sought advice from a counseling oriented attorney who took the time to learn more about them, their estate, and their goals.
eir primary objective was to protect John after their deaths, so Bill and Mary left their assets in trust for John, not directly to him. As a result, John was able to keep his inheritance. While they never thought this would happen to their son, their foresight was now going to pay off.
Bill and Mary had sometimes wondered if the planning they did was worth the extra time and effort. Clearly it was.
If you would like to learn more about an estate planning process that is producing great results for families, visit www.EstatePlans atWork.com to sign up for a complimentary educational workshop.
Can’t thank Mike enough for what he has done for my wife and I. Two occasions where we have used Mike for buying our first house and for the recent sale of that house. Both occasions Mike went absolutely above and beyond expectation. He even came over to help us with a plumbing issue and worked at our house for over two hours, no questions asked. If I could give him more than 5 stars I would. Thank you Mike for being an absolute rock star!
– Ethan Gilbert
Valuable Resources
ALL Recycling Brighton is a prominent metal recycling facility committed to sustainability and environmental preservation. At ALL Recycling Brighton, we have played a crucial role in reducing metal waste and promoting the recycling of valuable raw materials. Operating for three years in Brighton, we have established ourselves as a trusted destination for individuals and business looking to responsibly recycle their scrap metal and receive competitive rebates in cash or check. ALL Recycling Brighton has made a significant impact on metal recycling in the city of Brighton.
ALL Recycling Brighton provides a convenient and reliable service for individuals and business looking to recycle their metal waste, and the best part is, WE PAY YOU!!!
ALL Recycling Brighton accepts and pays for a wide variety of metals including Appliances, (including Refrigerators) steel, copper, brass, alum, aluminum cans, stainless steel, lead, farm scrap, automotive vehicles and oilfield scrap. With great customer service and competitive pricing, we strive to make the recycling process as convenient and hassle free as possible.
We are proud to have served the Brighton community for the past three years and look forward to continuing our commitment to sustainable practices. Join us in our efforts to create a greener and cleaner future (and a greener wallet for you) by choosing ALL Recycling Brighton for your metal recycling needs.
Landscaping Pros Co
Carefully consider Social Security decisions
Your Social Security benefits can be an important part of your retirement income — but when should you start collecting them? It’s a big decision, so you’ll want to consider your options carefully.Essentially, you’ll need to decide whether you’re going to take your benefits as early as possible — age 62 — or if you should wait until your “full retirement age” or even longer. If you begin accepting benefits at 62, they’ll be about 30% lower than if you waited until your full retirement age, which is 67 if you were born in 1960 or later. And if you wait until 70, your benefits will be about 24% higher than at your full retirement age.
In deciding when to claim benefits, you’ll want to weigh these factors:
• Income needs — If you need the money to help meet your daily cost of living, then you may not feel you have much of a choice about when to take Social Security. However, if you have sufficient income from other sources, such as your 401(k) or other retirement accounts, you may be able to delay taking benefits until they’re much larger.
• Employment — If you’re still working and you haven’t reached your full retirement age yet, it might be a good idea to wait before claiming Social Security because your benefits will be reduced by $1 for every $2 earned above $23,400. In the year in which you reach your full retirement age, your benefits will be reduced by $1 for every $3 earned above $62,160. (But once you reach your full retirement age, Social Security will adjust your payments to credit you for the months during which your benefits were lowered because of your income.)
• Life expectancy — None of us can say for certain how long we’ll live — but you may have some hints. For example, if you have a family history of longevity, and you’re in good health, you might decide it makes sense to delay taking Social Security until your full retirement age, or even later, as you could potentially have more years of receiving larger checks.
• Spouse — If you’re married, decisions about when to claim benefits could affect you or your spouse. e spouse with lower Social Security payments may be eligible to receive spousal benefits, which, when combined with their own benefits, can reach up to 50% of the higherbenefit spouse’s payment at their full retirement age. To qualify, the lower-benefit spouse’s benefit at their full retirement age must be less than half of the other spouse’s full-retirement-age benefit. But if the lower-benefit spouse claims their benefits before their full retirement age, their own retirement benefit and the spousal benefit will be reduced. Also, the lower-benefit spouse reaches their maximum benefit amount at their full retirement age — they won’t receive additional benefits even if they or the higher-benefit spouse delays taking benefits past their respective full retirement ages.
One other point to keep in mind: If the higher-benefit spouse claims early, the survivor benefit to the other spouse is reduced, but if the higherbenefit spouse delays their benefit beyond their full retirement age, the survivor benefit is increased. By making the appropriate choices, you can help maximize your Social Security benefits — and possibly enjoy a more comfortable retirement.
Forrest Hough - Edward Jones
A World Without TikTok
O ered by: Colorado Karate Club
Itwas twelve hours of horror, the whole country moaned and mourned…the children didn’t smile, teens were lost, and even many adults sobbed as TikTok went dark in the USA… Well, no, not really. Many of us didn’t even notice, I only learned about this “national tragedy” when one of my daughters mentioned it to me. But it was all good, just a few hours later, everyone rejoiced when the infamous app was back on-line.
I remember growing up in the 70’s and 80’s when my parents used to tell my brothers and I to get off the TV and do something useful. Besides, we only had one TV, so we usually watched the same show together. Fast forward a few decades later and everyone’s nose is down into a handheld screen that provides endless streams of content and interaction.
While these platforms may provide some benefits, they also pose a huge challenge. It is quite obvious now that the overuse of technology brings up some very serious issues such as low self-esteem, less time spent in social interactions, reduced productivity, and more. I know that we can’t just turn off our phones and forget it, because the Genie is already out of the bottle; so as my mom always says to me: “Everything in Moderation”. For that reason, I wanted to share some simple ways in which we can do just that…moderate our phone use.
1. Set time limits and goals - create realistic expectations as to how many minutes/hours you may spend each week in frivolous entertainment. Hey, I enjoy a Netflix movie just as much as the person next door, but spending hours on end in front of the tube (flat now), is a huge waste of a life.
2. Create Phone Free Zones - Just as my parents would have a huge fit if I put a hat on the table (let alone wear one), we should have the same rule for phones. Or when your child goes to bed, the phone stays with mom. If they tell you they need it for an alarm, buy them a wind up clock with the twin bells and swinging hammer. I used to love mine! (yes I’m old).
3. Disable Most Notifications - It is so annoying getting interrupted by the latest email from Planet Fitness, an unrequested insurance quote, or getting the latest trolling post on Eyes on Brighton. When you install a new app, disable all notifications unless they are truly important.
4. Replace Phone Time With an Actual Activity - Read a book, exercise, practice your Karate drills, play an instrument, or set some time aside to spend with someone you care for and/or haven’t seen in a while.
5. Reward Yourself/Others - Set goals for limiting wasteful entertainment, and set rewards when it is achieved. Buy yourself something you’ve been holding out on, take a trip, or go to a nice dinner. If you earn it, you’ll feel so much better about treating yourself to something nice.
Don’t get me wrong, I’ll be the first to follow my own advice. Many of us complain of not having enough time, but if you can follow those simple rules above, you’ll find plenty of time for the things that truly matter.
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FUNDRAISING BANQUET
Embassy Suites Hotel - Loveland February 22nd - Doors Open 4:00 pm
Advance tickets are required: Couples: $135
Singles: $85
Muley Fanatic Foundation continues Its Conservation Efforts
By Scott Hampel
The Muley Fanatic Foundation is starting its 13th year of operation in Colorado. Originally established in Wyoming in 2011, the Muley Fanatic Foundation was later registered to operate in Colorado in October of 2012. Since that time, MFF has raised and allocated funding of $692,241 on projects in Colorado.
Information available for:
• CO Statewide Pronghorn License (Auction)
• CO Statewide Deer License (Raffle)
Sponsor Tables for 8 also available Contact Scott Hampel at: 720-261-6232 or scotthampel@aol.com
We also accept donations of merchandise, services, or cash.Visit www.muleyfanatic.org
Muley Fanatic Foundation is a 501c3 non-profit organization
Since 2013, $692,241 has been allocated to CO projects.
e Muley Fanatic Foundation mission is “to ensure the conservation of mule deer and their habitat and to provide such supporting services to further the sport of hunting and sound wildlife management. MFF Is a volunteer-based organization that works closely with Colorado Parks and Wildlife, the US Forest Service, US Bureau of Land Management, Colorado Department of Transportation, other agencies, other non-profit organizations, private businesses and individuals to meet our mission. MFF has provided funding for highway projects, habitat improvements, conservation easements, research, wildlife education, wildlife law enforcement. ese efforts provide public benefit to all.
If interested in more information,visit www.muleyfanatic.org or send email to scotthampel@aol.com.
MEDICARE 65?
O ered by:
There are a few things happening right now in the world of Medicare that I love. e first thing is the Medicare Advantage Open Enrollment Period. is is a time designated for people who have been on a Medicare Advantage Plan that was in effect January 1. You have a three month window (January 1 - March 31) to make a one-time plan change. is just means that if you realize you don’t like the Medicare Advantage Plan you are on, or maybe your MD no longer takes the plan, or your prescriptions are no longer covered, you can change to a plan that works for you.
Remember, this is only for people who started the year on a Medicare Advantage Plan. is takes place every year.
ere is a Special Enrollment Period (SEP) happening right now as well. ere are only a few insurance companies recognizing this SEP so you do need to check what is available. e SEP is related to an Extreme Weather Storm that occurred in November, during the Annual Election Period (AEP). If Colorado experiences severe weather that qualifies as a federal or state emergency, residents affected by the disaster may be eligible for a “Special Enrollment Period” (SEP) on their health insurance, allowing them to enroll in or change health plans outside of the regular open enrollment period due to the emergency situation.
If you were affected by this weather incident causing you to be unable to make a plan change during AEP, you might be eligible for an SEP to make an Medicare enrollment or disenrollment election.
Always remember, when you’re leaving an employer sponsored health plan, you also have a SEP to get on Medicare Insurance.
Please let us know if you have any questions about this or other aspects of Medicare. We can help!!
Who You’re Going To Call
Common Tax Filing Mistakes and How to Avoid Them
Filing taxes can be a stressful and complex process, especially if you’re unfamiliar with the latest tax laws and fi ling requirements. Even minor errors can lead to delays, penalties, or missed refunds. Here are some of the most common tax fi ling mistakes and tips to help you avoid them.
1. Incorrect Personal Information
Mistakes like misspelled names, wrong Social Security Numbers (SSNs), or outdated addresses are common but avoidable. Doublecheck all personal information before submitting your return to ensure accuracy.
2. Mathematical Errors
Errors in calculations can lead to incorrect tax liabilities or refunds. Consider using tax preparation software or hiring a professional to minimize the risk of miscalculations.
3. Filing Under the Wrong Status
Choosing the incorrect fi ling status (e.g., single, married fi ling jointly, head of household) can result in incorrect tax calculations. Review the IRS guidelines to determine the appropriate status for your situation.
4. Overlooking Deductions and Credits
Taxpayers often miss out on deductions and credits, such as education credits, child tax credits, or medical expense deductions. Research eligible deductions and credits or consult a tax professional to maximize your savings.
5. Missing Deadlines
Failing to fi le your return or pay taxes by the deadline can result in penalties and interest. Set reminders to ensure timely fi ling and payment.
6. Not Keeping Proper Documentation
Inadequate record-keeping can make it challenging to substantiate claims if audited. Keep receipts, W-2s, 1099s, and other relevant documents organized and accessible.
How to Avoid ese Mistakes
• Use reliable tax software or hire a certified tax preparer.
• Review your return thoroughly before fi ling.
• Stay informed about tax law changes that may affect you.
• File electronically to reduce errors and expedite processing.
Taking these precautions can save you time, money, and stress during tax season. If you’re looking for a tax preparer, we’re currently taking on new clients. Call us today at (720) 949-7733 to schedule an appointment.
Who You’re Going To Call
Ata recent class I learned that hearing aid technology has advanced more in the past 7 years than in the previous 70 years combined.
e progress I have witnessed in technology over the past 17 years, and especially the last 7 years since opening Blue Ribbon Hearing & Tinnitus Center, has been extraordinary.
Just days after the class I had a conversation with a long-term patient and we discussed recent technology breakthroughs. She explained in detail to me her experiences with hearing aids over the past 50+ years and how much technology has changed in that time, and marveled at recent advancements.
Her two favorite improvements in hearing aids in her lifetime are the miniaturization of devices and improved audio quality from programmable aids. Her first memory of a hearing aid was a body aid, worn in her front pocket, with a cord that connected to a receiver in the ear. In the 1970s she was grateful to become untethered from the box as she began to wear behind-the-ear (BTE) devices that allowed her to interact freely with her friends and even play sports. In the 1980s she was able to wear a more discreet in-the-ear (ITE) device that fit flush in her ear. She no longer had to worry about the device becoming tangled in her hair or being knocked off. In the 1990s she transitioned to smaller completelyin-canal (CIC) devices. en in 2010 she was able to get her first invisiblein-the-canal (IIC) devices followed by more advanced IICs a few years ago.
While more convenient sized devices made life easier, sound quality was a major issue for her the first 40 years. When I first met her 16 years ago, she would only wear the devices when absolutely necessary and often in only one ear because wearing them was uncomfortable. Background noise and louds sounds were a major problem. e lack of custom programming led her to remove the devices when she was not in work or school and led to consternation with her family at home in the evenings.
Her first CICs were digitally programmable, but only had 4 bands and were still not comfortable in noise. Finally, in 2010 when I convinced her of the importance of wearing both aids all the time and the promise we could program the devices specifically to her hearing loss, she decided to get the IICs with 16 bands! Within a couple of visits her devices were programmed so she was able to wear them all day, most days. is led to much better communication and she was much happier, but sometimes she would still take them out at home. Finally, with the 24 band IICs, she was able to wear them all day, every day.
Hearing her story reminded me of how far we have come, and how amazing today’s technology really is. She is looking forward to getting her next set of devices with even more improvement in background noise management, fine tuning and connectivity to her cell phone.
John Wilson, B.S., BC-HIS Board
Who You’re Going To Call
Who You’re Going To Call
Eagle View Adult Center
FEBRUARY
HAPPENINGS
Loyalists During the American Revolution
EVAC & Zoom
During the American Revolution about one-third of the population remained loyal to the British Crown. They were not confined to any particular group or class but their numbers were strongest among Anglicans, Quakers, large land holders, and businessmen.
Presenter: Paul Flanders.
Tues. Feb 11 - 1:30 p.m.
$4.00
Deadline: Fri. Feb 7
Book Club
Join us at February’s meeting for the current book. Books are chosen at the previous meeting. If you were unable to attend, please call the front desk to receive the title information. Please have the book read before the meeting so you are prepared for group discussion. Books can be found at a library, Amazon, or bookstore. Facilitated by Gayle Wudarczyk.
Wed. Feb 12 - 1:00 p.m.
Free Deadline: Mon. Feb 10
Expansion Ideas
1150 Prairie Center Parkway, Brighton, CO 80601 303-655-2075 I evacinfo@brightonco.gov www.brightonco.gov
Hours: Monday - Friday 8:00 a.m. - 4:00 p.m.
Friday Feast
In 2009 we created the design for Eagle View Adult Center. At that time, we were only able to build part of the design. What we have now is incredible. What do we want the next phase to look like? We have a drawing of what people wanted then but a lot can change in 15 years. Come and help us brainstorm what we’d like to see added in the future. There currently is no timeline or funding for expansion but we’d like to hear your ideas for the future. Please pre-register.
Wed. Feb 12 - 1:30 p.m.
Free
Deadline: Mon. Feb 10
Myths & Facts of Hospice Care
Debunking myths and talking about the facts surrounding hospice care – common misconceptions like “hospice care is expensive,”“hospice is only for someone who has 3 days left to live,”“hospice care is only for cancer,” etc.
Facilitated by Dignity Hospice.
Thurs. Feb 13 - 1:30 p.m.
Free
Deadline: Tues. Feb 11
Today’s performers are the YoungHeart Band. This lively couple will have you singing and laughing! We’re having chicken noodle soup, salad, and cookies.
Fri. Feb 14 - 12:00 noon
$6.00
Deadline: Wed. Feb 12
Active Minds: Martin Luther King, Jr. EVAC & Zoom
It’s been nearly 60 years since Dr. Martin Luther King, Jr. was assassinated on the balcony of the Lorraine Motel in Memphis, Tennessee. Join Active Minds for a look at his life and legacy. We will trace Dr. King’s rise to prominence from a Baptist pastor to Nobel Prize winner and leader of the civil rights movement. We will examine how Dr. King’s efforts impacted history and how his ideas continue to influence our society today.
Wed. Feb 19 - 1:30 p.m.
$5.00
Deadline: Tues. Feb 18
Be sure to check out our Trips!
Note: Not all offerings are listed here. Please visit www.brightonco.gov for a complete listing.
Health & Wellness
Keeping things ticking: Top 10 heart health risk factors
Offered by: Intermountain Health
You’ve heard it before, but since it’s American Heart Month, we’ll say it again. Heart disease is the leading killer of U.S. adults. The number one cause of death is a frightening number, so here’s a new number: 10. Knowing these 10 heart health risk factors, and how to manage them, can save your life.
To understand your personalized heart health risk better, scan the QR code on the back of the Brighton Buzz to take an online quiz, or read along and learn the key to a healthy heart.
1. Family history/genetics
Understanding your family’s medical history is vital for anticipating health risks. Genetics play a significant role in heart-related issues. After speaking to your primary care provider about your family history, minimize any risks with lifestyle changes.
2. Smoking
Smoking (including second-hand smoke) deteriorates the cardiovascular system, increasing the likelihood of heart-related issues. This includes traditional cigarettes, e-cigarettes, and vaping nicotine. Your primary care provider can help create a quitting plan.
3. High blood pressure
Consider high blood pressure a silent threat with serious consequences. While it often coincides with other risk factors, hypertension is the biggest indicator of heart disease. If your blood pressure is consistently higher than 130/80, consult your primary care doctor.
4. Unhealthy diet
A diet high in processed and unhealthy foods has direct implications for heart health. Opting for a diet rich in fruits, vegetables, and whole grains supports cardiovascular well-being.
5. High cholesterol
Cholesterol is a waxy substance produced by the liver, but it’s also in foods like meat, poultry, and dairy products. Too much cholesterol can block your blood’s circulation, so keeping your cholesterol levels low mitigates heartrelated complications. Your primary care provider can order a blood test to obtain your cholesterol level, and help you address the results.
6. Diabetes
Diabetes introduces a layer of complexity to heart health. Unfortunately, diabetes and heart disease risk often coincide. According to the CDC, those with diabetes are twice as likely to have heart disease or a stroke than those without diabetes. Make a plan with your primary care provider to address your diabetes and minimize heart risk with lifestyle changes.
7. Physical inactivity
Inactive lifestyles contribute to a range of heart-related issues, such as obesity and high blood pressure. Incorporating routine exercise is a great way to minimize these heart-related issues and keep you feeling healthy.
8. Obesity
Excess weight puts strain on the heart, impacting its efficiency and longevity. Everyone’s ‘ideal’ body weight varies by person, so talk to your primary care provider about your Body Mass Index (BMI). A BMI calculator evaluates if you have an ideal BMI between 18.6 and 24.9.
9. Not enough sleep
Adequate sleep is a non-negotiable aspect of overall health, including heart health. According to the American Heart Association, adults need 7-9 hours of sleep each night, and children require eight to 16 hours, depending on their age.
Enough sleep improves your body’s brain function, immune system, mood and energy, and reduces your risk of chronic disease.
10. Too much stress
Stress can contribute to high blood pressure, among other factors. Managing stress levels helps maintain overall cardiovascular well-being. Your primary care provider can introduce stress-reduction strategies, such as exercise, meditation, and breathing techniques.
In the realm of heart health, knowledge is power. Harness this power by understanding your unique risks, regularly visiting your doctor, and taking on heart healthy lifestyle changes. Each choice you make contributes to your cardiovascular well-being.
Home Improvements
Mortgage interest rates are slowly drifting lower, giving a muchneeded boost to both homebuyers and home sellers. Yet, home prices continue to rise, even as more sellers put their homes on the market. Why? e U.S. is still several million homes short of a balanced market. So, do you want to wait for cheaper rates or go ahead a buy a home before home prices rise further?
To time the housing market perfectly, you need to:
1. Find the right home.
2. Buy at the right price.
3. Obtain the right mortgage interest rate.
You may get lucky and get one out of three or even two out of three, but it’s nearly impossible to get all three at the same time unless the market is in a recession or depression. Only then will there be plenty of homes to choose from, low prices, and low mortgage interest rates.
Start with finding the right home—one that best meets your household’s needs for space and features, your finances, and a reasonable interest rate.
Looking for guidance on navigating the current market? Your Forever Agent® at Berkshire Hathaway HomeServices Colorado Real Estate is here to help you find the perfect home while balancing price and interest rates. Contact us today for personalized advice and to explore your options. Call us at 303-905-8850 or visit BHHScoloradorealestate.com. Let’s make your next move the right one!
KEENESBURG $850,000
3 Beds | 3 Bath | 4,286 Sq Ft 38389 E. 149th Place, Keenesburg, CO
Deb Stephenson 303-501-7377
BRIGHTON $465,000
3 Beds | 3 Bath | 1,852 Sq Ft 40 Pheasant Avenue, Brighton, CO
Tabatha Ratliff 303-908-6518
LAKEWOOD $340,000
2 Beds | 2 Bath | 1,048 Sq Ft 5765 W Atlantic Pl 104, Lakewood, CO
Deanna Gamboa 720-422-9320
THORNTON $900,000
3 Beds | 3 Bath | 4,634 Sq Ft 14994 Fillmore Way, Thornton, CO
Gina Bradshaw 720-732-2360
Kent Davis 303-883-2024
2 Beds | 2 Bath | 1,442 Sq Ft | 1,428 Unfinished Bsmnt 2617 E Egbert Street, Brighton, CO
Tabatha Ratliff 303-908-6518 BRIGHTON $428,000
COMMERCE CITY $335,000
2 Beds | 3 Bath | 1,577 Total Sq Ft 11250 Florence St #19A, Commerce City, CO
Stan & Shannon Wester 720-254-0215
READY TO FIND YOUR MOUNTAIN HOME GETAWAY?
EXPLORE OUR COLLECTION OF HOMES AND GET YOUR FREE HOME VALUATION NOW!
BENNETT $375,000
3 Beds | 1 Bath | 950 Sq Ft 255 Cleveland Court, Bennett, CO
Deanna Gamboa 720-422-9320
Melanie Prestwich 720-422-9320 EVANS $325,000
2 Beds | 1 Bath | 999 Sq Ft 803 43rd Street, Evans, CO
Life can change in a heartbeat.
Heart disease is the number one killer of women and men in the United States. But you can do a lot to protect your heart, including quitting smoking and maintaining an active lifestyle. Take our Healthy Heart quiz to assess your risk and get lifestyle tips.
February is American Heart Month
Good Samaritan Hospital | Lutheran Hospital | Platte Valley Hospital | Saint Joseph Hospital