Brighton Buzz September 2024 by Dawa Sherpa

Preparing for Fall (...and Winter)

Dawa Sherpa Publisher The Brighton Buzz

As the leaves turn, Autumn brings people together for meals, and traditions, creating a sense of community and connection. It also brings abundance, when crops that have grown throughout the warm months are finally gathered – an annual occurrence that is one of our community’s proudest strengths. We encourage you to visit one, or all, of our local farms to stock up on their incredible bounty. You will find several within our pages who offer the traditional fruits and vegetables as well as local homegrown favorites such as sweet corn and a variety of raw and roasted chiles.

Another important “to-do” as fall transitions to winter is preparing your home for the cold season – a key to ensuring comfort, energy efficiency, and safety. It’s recommended that you have your heating system inspected before winter hits. Clean or replace air filters and ensure your furnace is functioning efficiently. If you have a fireplace, clean the chimney and stock up on firewood. Space heaters should also be checked for safety.

Preparing the outside of your home is equally important. Essentials such as sprinkler shut-off, lawn preparation, and gutter cleaning can save you time and costly repairs in the future. Several of our advertisers offer specials to help you with these important tasks. Take a few of these proactive steps to avoid costly repairs and keep your household safe and warm. And, enjoy a meal with family and friends this fall, prepared with some amazing homegrown produce

from our local farms!

Protect Your Family!

(Part 1 of 6)

Estate planning is more than avoiding probate and saving

An intelligently designed estate plan can provide so much more to protect your family. For example…

Mary had been through so much with Bill’s illness. After almost a year, it had taken him from her. en came the accident. As Mary turned oﬀ the highway she was struck by a young driver. His serious injury seemed to be entirely his own fault, until a lawsuit convinced a jury that Mary’s turn signals were not working properly, shifting legal liability to her. e resulting claim far exceeded her auto insurance limits, and even after the insurance paid $1,000,000 to the injured driver, she was staring at a court judgment of more than $800,000. Her lawyer told her their savings and Bill’s life insurance proceeds were going to be wiped out, and a lien would be placed on the family home. Mary was looking at bankruptcy. en she learned the good news.

Bill and Mary had sought legal advice when they ﬁrst learned of his illness. e ﬁrst lawyer they spoke with said they did not need estate planning. He told them to just “put everything in joint tenancy.”

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.

Bill’s primary objective was to protect Mary when he died. As Mary was winding up Bill’s aﬀairs, she realized that upon his death, their savings, his life insurance and the home would not come directly to her, in her own name, but would be put in a trust. Mary would control the trust, but it would protect the assets from legal claims. While he had no idea what claims might arise, Bill’s foresight was now going to really pay oﬀ.

If you have questions about eﬀective estate planning, I encourage you to gain more knowledge about available planning options by visiting www.EstatePlans atWork.com to sign up for a complimentary educational workshop.

Ifyou’ve been following the news recently, you’ve probably heard about the recent real estate regulatory changes. What does it mean for you?

e biggest change is now buyers are required to enter into a written buyer-broker agreement at the outset of the home buying process. Also called a representation agreement, it is a contract between the home buyer and the real estate agent wherein the home buyer agrees to work with the real estate agent until a successful purchase or until the term expires. If there is a successful transaction within the term, then the real estate agent receives the agreed-upon compensation. is change oﬀers greater ﬂexibility in determining the terms of the agreement, but the terms must be in writing.

Sellers could potentially pocket more money in the transaction that would otherwise go to a buyer’s agent or receive a lower contract oﬀer from the buyers. While cooperative compensation will still be attractive to most buyers, negotiating commissions and service packages will become more commonplace with these changes.

In a nutshell, the most essential things you need from a good real estate transaction have not changed—a strong buy/sell contract and clear title. An experienced and trusted REALTOR® with in depth understanding of real estate law is still your best option to guide you successfully through this process.

If you have been considering selling or buying a home, give me a call at (303) 520-4340. We are always happy to answer any questions you may have and help you with a solid strategy for the best possible results. We are not just about the transaction—we are your trusted advocate!

•

Valuable Resources

on Hearing

ACCIDENTS HAPPEN, SO BE WISE— One of my favorite sayings is “Wise men learn from their mistakes, but the wisest men learn from other people’s mistakes.” Countless people have come into my oﬃce for help and said when they were younger they were warned by older co-workers how important it was to use hearing protection but then didn’t follow their advice. Noise induced hearing loss is a hazard of many jobs and hobbies. Wearing hearing protection is key to avoiding permanent hearing loss from loud sounds. However, being aware of other hazards and avoiding them can prevent accidental permanent hearing loss. Recently, I was teaching my daughter how to change a bicycle tire after it failed on a long bike ride due to its age. After changing the tire, I decided to pump up the other tire and it exploded with a volume level similar to that of a gunshot. We were fortunate that our garage door was open to allow the energy to escape because loud sounds in conﬁned spaces are much more likely to damage hearing. I realized after the fact I made an unwise decision as I should have replaced the second tire as a precaution since it was the same age as the other on that failed.

HEARING AIDS MAKE A DIFFERENCE—A patient who purchased hearing aids about 9 months ago was in for a routine cleaning appointment and commented that for decades he never realized how much he actually needed hearing aids. He said he ﬁnally has come to realize how much he was “faking it” over the years now that he can actually hear and understand what people are saying. He commented about how much the hearing aids helped to improve not only his hearing but also his tinnitus. We talked about why he waited so long to get help even though he had hearing loss for over 30 years. He said every time he went to his medical doctor and they discussed his hearing loss and tinnitus, the doctor would tell him nothing could be done about the ringing. He believed there was no point in getting hearing aids. Now

that he has worn the devices and experienced relief from both his hearing loss and tinnitus, he is grateful that something actually can be done to help.

I DON’T KNOW HOW MUCH LONGER I’LL BE AROUND— A couple of days ago, I received a call from the son of a patient. As soon as I realized who was calling, I knew he was giving me the news that his 100 yearold mother had passed away. He explained that he knew I would want to know of her passing and that she had asked him at least a dozen times during the last several months when they were going to come see me. She and I had become very close over the years because of the diﬀerence that getting hearing aids had made for her. It took many years for her family to convince her to get her hearing tested, then even longer to actually get help for her hearing loss. She kept saying, “I don’t know how much longer I’ll be around.” It took her almost a decade to make the decision to get hearing aids, and then she lived 12 years that were much more fulﬁ lling because she could hear well.

DON’T MISS OUT UNNECESSARILY—Twice this past week patients expressed how grateful they were to ﬁnally be able to hear TV more clearly thanks to their TV Streamer that transmits the television audio directly into their hearing aids. (It reminded me of a patient who once jokingly told me that I saved his life by getting him hearing aids, because he could not read closed captions fast enough to be able to understand anything he was watching on TV.) TV Streamers and other assistive listening devices are not necessary for everyone with hearing aids. However, the clarity provided by direct input into the hearing aids makes the audio clearer than is possible coming from the speakers.

Please give us a call if you have any hearing needs, including hearing protection for work, music, hunting, or shooting, as well as anything related to hearing aids or wax removal.

3 Reasons Why Cobra Kai Stinks

I was eleven when the ﬁrst Karate Kid movie came out in 1984. My brothers and I had been in Karate for six or seven years already under Sensei Luis Chiock Wong, a man I admire and respect to this day. In that sense, I found the movie endearing simply because of the mentorship that Mr. Miyagi exempliﬁed, and which I found from my own Sensei.

Fast forward to 2018 when Cobra Kai was released by YouTube Red, and I was very excited to pick up again on the story of the now old(er) karate practitioners. is time however, it was a huge disappointment. I think that the writers missed an opportunity to do something great, and instead settled for cheap, and sometimes tasteless entertainment.

I could point out a bunch of other things in the show that, as a Karate instructor, makes me cringe, but I’ll stick to my main three:

- Everyone seems to be a worse version of their old selves.

One of the maxims of a Karate-Do practitioner is to “Seek perfection of character.” In Cobra Kai, however, everyone seems to have gotten worse over the years. I’m not talking just about the villains though; LaRusso, Lawrence, and their students are usually rude, and vengeful. Very seldom do they show courtesy, discipline, or self-restraint. It would seem that learning Karate made them worse, instead of better. In the real world, a Karate instructor is responsible for the personal growth of his/her students, not just their karate skills. In the show, good character seems to be an afterthought if anything at all.

- Everything is solved by ﬁghting.

Can you imagine if we all solved our disagreements with kicks and punches? At school, work, the water park, or even at home? Starting with the “Senseis”, their students, and even the Moms, everyone gets into ﬁghts. In the real world, Martial Artists are peaceful people who do not need to prove themselves to anyone, and who have enough self assurance to know that walking away is always the best option. Violence is the last resort we want or need because we know that when violence is necessary, there are no winners.

- Winning a tournament is THE most important goal.

Just like in the TV show, Sport Karate Tournaments can be a very serious business and many dojos do focus on competition training as their primary objective. Sadly, when winning a trophy becomes the highest objective, many Karate-ka (and their Senseis) lose sight of the true aim of their training. As Mr. Miyagi put it: “If Karate used to defend honor, defend life, Karate mean something. If Karate used to defend plastic metal trophy, Karate no mean nothing”.

Don’t get me wrong, I still watch the show, even if it has become somewhat painful to sit through. But as a Karate instructor, and a fan of the ﬁrst Karate Kid movie, I would have loved to see Daniel LaRusso and even Johnny Lawrence as new versions of Mr. Miyagi. But maybe that is too much to expect from Netﬂix. As for myself, I hope to be for my students what my Sensei has been to me, an amazing mentor and role model. And maybe, someday, I can pass the torch to another generation of amazing Karate instructors.

Valuable Resources

What can insurance do for you?

6-Month 1-Year

2-Year

4.50 4.15

4.00

Tim Roberts, CEPA®, CRPC™ Financial Advisor

129 S 4th Avenue

Brighton, CO 80601

303-659-2301

*Annual Percentage Yield (APY) effective 08/16/24. CDs offered by Edward Jones are bank-issued and FDIC-insured up to $250,000 (principal and interest accrued but not yet paid) per depositor, per insured depository institution, for each account ownership category. Please visit www.fdic.gov or contact your financial advisor for additional information. Subject to availability and price change. CD values are subject to interest rate risk such that when interest rates rise, the prices of CDs can decrease. If CDs are sold prior to maturity, the investor can lose principal value. FDIC insurance does not cover losses in market value. Early withdrawal may not be permitted. Yields quoted are net of all commissions. CDs require the distribution of interest and do not allow interest to compound. CDs offered through Edward Jones are issued by banks and thrifts nationwide. All CDs sold by Edward Jones are registered with the Depository Trust Corp. (DTC).

AECSPAD

It’s probably not on your calendar, but September is Life Insurance Awareness Month. And it’s indeed a pretty good idea to be aware of what life insurance can do for you.Life insurance can help you in two main ways. First, life insurance policies offer a death benefit that can assist your family if you’re no longer around. And second, some types of life insurance offer the chance to build cash value, which can work for you during your lifetime.Let’s look at the death benefit first. If something were to happen to you, your life insurance proceeds could help your family meet at least three major needs:

• Paying a mortgage – e biggest expense many families face is their monthly mortgage. If you weren’t around, could your family continue paying the mortgage? Or would they have to move? With a sufficient life insurance death benefit, they could remain in their home, meeting the monthly mortgage payments, or perhaps pay off the loan entirely (although this might not be in their best financial interest).

• Paying for education – If you have young children, you may already be saving for their college education — because you know college is expensive. Without your income, would college, or some other form of post-secondary education or training, still be realistic? Again, the proceeds from an insurance policy could make the diﬀerence.

• Paying off debts – You might have a car loan, credit card debt or other financial obligations. If your surviving spouse is a joint account holder for these debts, they could still be liable for paying them off. But insurance proceeds could be used to retire the debts immediately, or over time.

All life insurance policies offer a death benefit. But permanent insurance, unlike term insurance, also offers the chance to build cash value — which can be a valuable supplement to your IRA and 401(k) or other retirement accounts.A cash value policy such as whole life also can provide flexibility for changing financial needs or emergencies in retirement. And here’s another key advantage: Because this type of policy provides fi xed, guaranteed returns, it is not dependent on the performance of the financial markets and is thus insulated from the market downturns that can happen while you’re retired. So, taking money from the cash value of your whole life policy may help you avoid selling investments that have temporarily declined in value.Keep in mind, though, that the premiums for a cash value policy will generally be substantially higher than those for term insurance. at’s why some people choose to “buy term and invest the difference” rather than purchase a permanent life policy with cash value. Whether this strategy is right for you depends on a few different factors, perhaps the most important of which is your ability and willingness to consistently invest the money you would have otherwise placed in a cash value policy.In any case, should you choose cash value insurance, you generally have three ways to get at the money: withdrawals, loans or surrender of the policy. You’ll want to weigh all the factors involved — including taxes and the effect on the policy’s death benefit — when deciding on how to access the cash value.Life Insurance Awareness Month ends on Sept. 30. But your need for life insurance, and the potential benefits it provides, can last a lifetime.

Tim Roberts - Edward Jones

Medicare at 65: Ready or Not?

As individuals approach the milestone of turning 65, understanding Medicare becomes vital for enrolling in healthcare coverage. Medicare, a federal health insurance program primarily for people aged 65 and older, provides coverage for hospital stays (Part A) and medical services (Part B). And while Medicare provides fundamental coverage, it’s important to recognize that it doesn’t cover all healthcare expenses.

Keys to making informed choices that align with your health and ﬁnancial circumstances include:

• Understanding the diﬀerences between traditional Medicare and Medicare Advantage plans (Part C)

• Exploring additional coverage that can help ﬁ ll gaps in coverage, deductibles, copayments and coinsurance

• Learning about additional coverages like vision, dental, prescription drug coverage (Part D), cancer, heart attack and stroke coverage.

It’s equally important to know the when to enroll to avoid penalties and delays in coverage.

If you or someone you know is turning 65 and you’d like more information about the options, costs and deadlines for enrolling in Medicare, for trusted guidance, give us a call or scan the QR to learn about upcoming Medicare 101 seminars in the area. We can help; our service and our seminars are at no cost to you.

What do I do if I find Wildlife?

Reunite - if Possible

Got Babies? Determine if Mom is still around. She can care best for her little ones!

Observe first to determine they are actually orphaned, if you do not see mom for 12 hours...

• Place baby in a shallow box w/ bedding… Google/play species specific baby sounds from under the box for 1-2 hrs. GIVE SPACE from humans and pets.

• Baby sounds can be found at: www.sfrwildliferehab.com

Don’t Trap - Evict if Possible

Determine where the wildlife is gaining entrance to the structure – seal all other entrances/exits

• Stuff the main entrance with loose newspaper and put a few drops of eviction fluid on it

~ WAIT 24 hours and see if the paper has been removed – If it has, allow mom up to 48 hours to remove all babies to a secondary den

~ DO NOT PUT THE PAPER BACK - but leave it around.

• Play loud music in the area (or up chimney to annoy mom into moving)

~ NEVER - EVER - light a fire to

If all else fails, or the ANIMAL APPEARS SICK/INJURED call SonFlower Ranch Wildlife Rehabilitaion Center to help facilitate a rescue if necessary.

Who You’re Going To Call

MEDICARE

Please check out JenniferBellBenefits.com/seminar to see a list of dates in October when I will be going over plan specific changes for 2025. This will be in a group setting.

Jennifer Bell

Insurance Agent

LegalShield Independent Assoc.

720.665.6015

Jen@JenniferBellBenefits.com www.JenniferBellBenefits.com

Offered by: Jennifer Bell - Bell Benefits, LLC

As the fall approaches and you start to receive endless Medicare advertisements and see countless ads on TV and the internet, please remember to communicate with your Medicare Insurance Agent.

There are a lot of confusing marketing strategies that insurance companies and brokerages use to attract your attention. When you see something that may not make sense or doesn’t seem to add up, rather than calling the 800 number you see in the ad, please reach out to your Insurance Agent who helps you with your Medicare coverage.

You might be wondering who that person is. Maybe you purchased your Medicare insurance online or over the phone through a call center and you don’t have access to an Insurance Agent who you can call your own. If this is the case, there are plenty of agents available who are willing to help walk you through the changes that are occurring this year. You just need to find someone you like and feel like you can trust.

I happen to be an agent who is happy to help. In fact, I have a new “partner in crime” on my team who is also willing to help you. We are both local agents who are able to meet with you either on the phone, via Zoom, or in person. We will accommodate whatever your comfort level allows.

We are also going to be hosting a few seminars during the first half of October to help go over the upcoming 2025 changes. Once we have all the arrangements set, you will be able to find details on my website at: JenniferBellBenefits.com/seminar. Please check to see if one of the days will work for you. With so many changes about to happen, it will be great to get some groups together to get the information out and spread the word. Plus, groups ask all sorts of questions and you can really benefit from someone else’s approach. I hope to see you at one of our seminars.

With the increase in popularity of Brazilian Jiu Jitsu and Mixed Martial Arts, some with dubious credentials have sought to cash in by opening their own gyms. At Zingano Brazilian Jiu Jitsu, we believe that outstanding results come only from an outstanding training program taught by dedicated, qualified instructors.

Aswe move towards the Sun’s balance point at the Autumnal Equinox, it’s time to take an assessment of the various balance points in our lives. At the Equinox, the hours of light are equal to the hours of darkness - but only for a brief moment in time. Just like our lives, our energy, our activities, our good days and our bad days wax and wane across a balance point - that sweet spot where we feel like we’re in control and everything is going to be OK.

e spring equinox brings renewed energy and hope as we spring into action, busying ourselves with plans and goals for the year. e fall equinox brings the realization of what has been accomplished and what has not been accomplished, as we slide quickly into the last quarter of the year.

BALANCE. How do we maintain balance during this teeter-totter ride? You probably already know the answer to this. Eat right, exercise, don’t take on more than you can handle, focus on the task at hand, surround yourself with supportive people, etc. But what lies beneath the requirements of our mundane, human lives is our energy body. And that is what provides the foundation of balance you need. September is the perfect time for a chakra clearing and tune-up.

Balance consultation. Perhaps you need someone to talk to about how to bring your life back into balance, how to do a better job juggling your responsibilities, or maybe how to stop juggling?! Let’s sit down and make a plan you can actually work with. Balance consultation: $50/hr.

Call or text Wellyssa at 720-732-5798 for additional details on my services. Please visit my web page at Wellyssaswell.com.

O ered by: Wellyssa’s Well

The Key to Business Growth and Stability

A financial review can be a pivotal tool for business growth and stability. It provides a comprehensive analysis of a company’s financial statements, offering insights into performance and identifying areas for improvement. e benefits include

• Identiﬁes Growth Opportunities: Regular ﬁnancial reviews can highlight areas of your business that are performing well and those that are not, allowing you to capitalize on the former and improve the latter.

• Enhances Credibility: Having your ﬁnancial statements reviewed can enhance the credibility of your business with stakeholders, such as investors, lenders, and suppliers.

• Improves Financial Accuracy: Consistent ﬁnancial reviews help ensure the accuracy of your ﬁnancial data, which is crucial for informed decision-making.

• Ensures Compliance: If your business is subject to certain agreements that require independent ﬁnancial reviews, conducting these reviews ensures compliance and can prevent costly penalties.

• Facilitates Strategic Planning: Understanding your ﬁnancial position allows for better strategic planning and setting of long-term goals.

• Detects Discrepancies Early: Regular reviews can uncover potential discrepancies and errors in your ﬁnancial statements, enabling prompt corrective actions.

• Cost-Effective Assurance: For businesses where a full audit is not necessary, financial reviews provide a more cost-effective way to obtain assurance about the financial statements.

• Aids in Securing Funding: Reviewed ﬁnancial statements can be a requirement for securing funding or investment, as they provide a level of assurance about the business’s ﬁnancial health.

Conducting regular financial reviews is not just a best practice but a critical step towards ensuring your business’s growth and stability. By identifying opportunities for improvement, enhancing credibility, and ensuring compliance, these reviews equip your business with the insights needed for informed decision-making and strategic planning. Don’t wait—make financial reviews a regular part of your business routine and take control of your financial future today. We can help. Call today and position your business for long-term success.

Who You’re Going To Call

The Basics Of Financial Fitness

Provided by T. Lloyd Worth, Worth Wealth Management

ere’s a subjective uncertainty associated with financial wellness. Are you financially fit? And if so, how fit are you?

While there is no clearly defined threshold for answering affirmatively, much less grading your level of fitness, there are baseline elements associated with financial fitness. To make sure that you’re on the right track, develop a financial plan that lays out clear goals and timelines. Below are steps to get you started.

Budget Crunch

As a ﬁrst step, make a reasonable and practical budget, assessing your income and expenses (by month, if possible), to understand your cash ﬂow and identify areas where you can trim costs. Revisit and revise your budget regularly to make sure it aligns with your personal circumstances.

Save for Unexpected Expenses

Prepare for unexpected expenses, such as a medical emergency or major home repair, by establishing an emergency fund that can pay for these costs. (Ideally, you want to keep three to six months’ worth of living expenses in the fund.) Without such a backup source of payment, you may have to incur credit card debit, which can be unwise.

Regularly Assess Your Goals

ink about your short-, medium- and long-term goals at least once a year. Do you want to pay oﬀ your student debt, buy a new home, or travel during retirement? Do you have enough set aside to pay an upcoming tax bill? Your long-term goals may not change often, but your short-term goals, such as paying bills and reducing debts, may need to be reevaluated several times a year.

Stay Credit-Worthy

Check your credit report periodically to make sure there are no errors, while also using it as a tool to make sure that you’re paying your bills on time and staying within your established credit limits. Such actions will help increase your credit score. Note: You are entitled to a free copy of your credit report annually from the three major credit reporting companies, Experian, Equifax, and TransUnion.

Establish Long-Term Financial Goals

Saving for your retirement is a personal decision that will help shape your lifestyle during your Golden Years. It’s never too early (or late) to work with a ﬁnancial professional to strengthen your retirement plan.

Increase Investments Potential Faster with Early Contributions

Investing early and often, such as a small recurring investment over a long period of time, has the potential to produce greater returns than investing a larger amount over a shorter period of time.

For instance, if you invest $75 a month beginning at age 25 and continue until you are 65, your earnings will be greater than the 35-year-old who invested $100 a month until reaching 65 (assuming an equal rate of interest for each).

( is is a hypothetical example and is not representative of any speciﬁc investment. Your results may vary.)

Review Your Plan

Establishing a ﬁnancial plan is not a one-and-done proposition. Review your plan at least annually, revising it as necessary to align with your ﬁnancial goals.

Feel free to reach out to Lloyd Worth with Worth Wealth Management with any questions. Contact us at (303) 558-0214 or at Lloyd.Worth@LPL.com. We look forward to helping you with your ﬁnancial needs.

Home Improvements

Welcome Jamie Short, PA-C!

Premier Pediatrics is excited to welcome Jamie Short, PA-C to our team! Jaime states that working with children has been her passion, even before becoming a physician assistant. She is incredibly excited to begin her career in pediatrics! She grew up in Colorado and attended CSU in Fort Collins for undergraduate (Go Rams!). She is thrilled to be able to stay local to care for the next generation! She enjoys traveling, yoga, hiking, and skiing. She loves bringing her miniature dachshund, Wrigley, along for as many new adventures as she can.

“My goal is to keep your children healthy while also making going to the doctor’s oﬃce a more enjoyable experience for them,” Jaime says. “I hope to have each kid leave feeling heard and happy. I’m excited to be working in this community and can’t wait to meet your kids!” www.premierpediatrics.us

Offered by: Joseph Smith, MD - Premier Pediatrics

Health & Wellness

Let’s Talk Hormones!

Offered by: Michelle Bu alini, MSN, CRNP

Tuesday, Sept 17th at 5:30pm

See website for details www.buﬀaliniprimarycare.com

Hello Neighbors. Let’s talk about hormones and how they aﬀect our daily lives. Navigating hormone changes in middle age can be a challenging journey, impacting our energy, mood, and overall well-being. Whether it’s perimenopause, menopause, or what’s often termed as andropause in men, these shifts can bring about symptoms like fatigue, weight gain, low energy/stamina, brain fog, joint aches, anxiety, irritability, diﬃculty sleeping, depression, no gains at the gym, and decreased libido which can contribute to a general feeling of being out of balance.

One effective approach gaining attention is Hormone Replacement erapy (HRT). It’s not just about “grinning and bearing it” anymore. HRT aims to replenish declining hormone levels, like estrogen, progesterone and testosterone, that naturally decrease as we age. Men experience testosterone declines starting at age 30, which can lead to fatigue, muscle loss, and reduced libido. Most women begin to experience significant testosterone decline in their 40s and often benefit from testosterone replacement before estrogen or progesterone. Testosterone can relieve the initial brain fog, joint pain, poor sleep, night sweats and irritability. Estrogen therapy can alleviate hot flashes, night sweats, vaginal dryness and mood swings, and combining it with progesterone is essential for those with a uterus to manage risks like endometrial cancer.

Modern advancements oﬀer various HRT options, from topical gels to subcutaneous pellets that release hormones steadily over months, minimizing daily hassle. is approach not only improves symptoms but also supports bone health and may protect against conditions like osteoporosis and cognitive decline.

However, deciding on HRT isn’t a one-size-ﬁts-all solution. It requires careful consideration with a healthcare provider to assess individual risks and beneﬁts. Alternatives, including lifestyle adjustments and complementary therapies, also play a role in managing symptoms for those who may not opt for HRT.

Ultimately, the goal of HRT is to enhance quality of life, providing relief from symptoms and helping us maintain vitality as we navigate this transformative phase of life. It’s about reclaiming balance, improving sleep, restoring energy, and feeling our best in the midst of life’s changes.

If you’re curious about HRT and would like to explore whether this is an eﬀective option for you, schedule your consultation online at www.buﬀaliniprimarycare.com or call us at 720-263-1384. We look forward to helping you adapt to life’s changes.

Goodbye

Flu, Hello Healthy

Offered by: Intermountain Health

Thursday, October 3 from 8am - 11am

Eagle View Adult Center 1150 Prairie Center Parkway, Brighton

Saturday, October 5 from 10:30am - 2pm

Platte Valley Hospital

Get your flu shot to lower your risk of illness and keep enjoying the things you love. An annual flu shot is the best way to protect yourself from the flu. It’s covered by Medicare and most health plans.

1600 Prairie Center Parkway, Brighton North Parking Lot Drive Thru Only

Monday, October 7 from 11am - 1pm

Fort Lupton Rec Center

203 S. Harrison Ave, Fort Lupton

Saturday, October 19 from 10:30am - 1pm

We oﬀer ﬂu shots at all Primary Care clinic locations with a scheduled appointment. Need something a little bit quicker? Our Platte Valley Hospital is also putting on multiple drive-up or walk-in clinics.

Platte Valley Hospital

1600 Prairie Center Parkway, Brighton Conference Room A Walk-In Only

Additionally, we have Kids Flu Clinics for kids 10 and under and their families Tuesdays, October 1, 8, 15, 22, 29 4:30 - 6pm

Please call 303-498-3590 to schedule.

Most insurances are accepted - please call 303-498-3590 with any questions.

Unlocking Brain Potential: The

Power of EEG Brain Mapping and Neurofeedback

Offered by: Christy Kennedy, BCN

Imagine being able to see how your brain works, like a map that highlights areas of activity, function, and potential imbalance. at’s exactly what an EEG (electroencephalogram) brain map provides. In the ﬁeld of neurofeedback, this advanced tool plays a crucial role in helping people enhance their mental performance and overall well-being.

An EEG brain map measures electrical activity in the brain, speciﬁcally brainwave patterns. Brainwaves are categorized into diﬀerent frequencies—such as delta, theta, alpha, beta, and gamma—that correspond to various mental states, from deep relaxation to high focus. By placing sensors on the scalp, the EEG records these patterns and presents them visually, giving a detailed view of brain function. is is where neurofeedback comes in. Neurofeedback is a form of biofeedback that trains the brain to regulate its own activity. After an EEG brain map is created, practitioners can identify areas that may be functioning sub-optimally. For instance, an individual struggling with anxiety may show an overabundance of high-frequency beta waves, whereas someone with depression might have a lack of alpha waves associated with calmness.

Once these patterns are identiﬁed, neurofeedback sessions use real-time feedback to encourage the brain to adjust its activity. By reinforcing healthy brainwave patterns through auditory or visual cues, the brain learns to self-regulate. Over time, this can lead to improved mental clarity, emotional stability, and better cognitive function.

e health beneﬁts of EEG brain mapping and neurofeedback are wide-ranging. Studies have shown success in treating conditions such as ADHD, anxiety, depression, PTSD, and migraines. It is also a valuable tool for those simply seeking peak performance, whether in athletics, academics, or creativity.

In short, an EEG brain map is like a GPS for your brain, helping you navigate toward better mental health, enhanced cognitive function, and overall well-being.

Christy Kennedy, M.S., L.Ac., Dipl. O.M., BCN is the only board-certiﬁed neurofeedback practitioner in the Brighton area. Call 720-317-3022 with any questions or to schedule an evaluation! www.integratedwellnessassoc.com • 720-317-3022

Welcome Kerri Durland, PA-C!

Brighton

Pediatrics would like to welcome our newest provider, Kerri Durland, PA-C! Kerri is a physician assistant that comes to us as a graduate of Massachusetts College of Pharmacy and Health Sciences in Manchester, New Hampshire. Prior to obtaining her master’s degree in physician assistant studies, Kerri first attended Roger Williams University in Rhode Island for her undergraduate degree in biology.

Kerri is originally from Rhode Island. She moved from the east coast to Colorado after obtaining her bachelor’s and master’s degrees. We are fortunate that Kerri has chosen Colorado and the Brighton community as her home. She loves getting to see her patients grow! Kerri notes that, “I love helping moms navigate the early days, giggling with the toddlers, and helping teens prepare for their future.”

Kerri particularly loves the opportunity for advocacy in pediatrics. She feels it is important to make sure that kids are heard and that her families know she is there for them if they need anything.

In her spare time, Kerri loves to spend time with her husband and two daughters. She and her family love hiking, spending time outdoors, traveling, and exploring Colorado. She especially loves to see new countries, which includes travel to Germany and Austria this fall.

To schedule an appointment with Kerri please contact our office. Come and join us in welcoming her to Brighton Pediatrics!

Offered by: Dawn, Dycus, M.D.

Eagle View Adult Center

NEWS & INFORMATION

Senior Advisory Board

The purpose of the Advisory Board is to advise and assist in the needs and operations of Eagle View. The Board meets Tues. Sept 17 and Oct 15 at 1:00 p.m. Members are: Dave Thomas, Peggy Jarrett, Lou Ellen Bromley, Dan Buckner, Olly Ramirez, Steve Yarish, Bill Alsdorf, Heidi Storz, Judy Schissler, Gayle Shibao, Barbara Spakoski, and Randy Thornton. Visitors are welcome.

Charitable Contributions

Together we can continue to enhance the great programs and services offered for seniors and active adults in the Brighton area. Your financial support will be recognized on the donor wall at Eagle View. All donations are tax deductible. Make donations payable to: Brighton United Senior Citizens, 1150 Prairie Center Parkway, Brighton, CO 80601.

Donor Opportunities for Wall Recognition: Friend: $100 - $499

Memorial: $100+

Sponsor: $500 - $999

Benefactor: $1000+

Outreach & Referral

Do you need help and are unsure where to turn? Evon Benitez will assist you with completing forms and finding needed services. You’ll need to make an appointment to see Evon as she’s often meeting with others. To make an appointment, call Evon at 303-6552079. Leave a message.

SEPTEMBER HAPPENINGS

Car Show

Everyone loves old cars, fancy cars, fast cars and Brighton has a lot of cars! They will proudly be displayed in our parking lot at our Annual Car Show. Call Sue 303-655-2076 to find out how to get your car in the show. Brighton Jazz will be performing throughout the morning. Everyone’s welcome - come and check it out!

Sat. Sept 7 - 8:30 - 10:30 a.m.

Medicare Drug Plans

EVAC & Zoom Starting in 2025, Medicare Prescription Drug Plans (Part D), including standalone and Medicare Advantage plans, must offer enrollees the option to pay out-of-pocket drug costs in capped monthly payments instead of paying all at once at the pharmacy. Learn about how this will work and how it can help. Presented by Lisa Asmussen, Headwaters Health and Wealth. Tues. Sept 10 - 1:30 p.m.

Free

Deadline: Fri. Sept 6

VOA Lunch

1150 Prairie Center Parkway, Brighton, CO 80601

303-655-2075 I evacinfo@brightonco.gov www.brightonco.gov

Hours: Monday - Friday 8:00 a.m. - 2:00 p.m.

Tech Tuesdays

A hot, nutritious lunch is provided by Volunteers of America, Mondays and Thursdays at 11:30 a.m. Please reserve your meal in advance. For Mondays, reserve the Thursday before; for Thursdays, reserve the Monday before. Call Eleanor at 303-655-2271 between 10:00 a.m. - 2:00 p.m. Mon. & Thurs. to make a reservation.

Daily meal donations are appreciated.

$2.50 Donation per meal if age 60+

$8.50 Mandatory charge if under 60

Medical Equipment Loans

Basic medical equipment is available to loan out. Items may include wheelchairs, front wheel and seated walkers, canes, crutches, toilet seat risers, commodes, and bath benches. There is no guarantee what will be available at any time. Call 303-655-2075 for information.

Senior Wellness Clinic

The Clinic focuses on health promotion and disease prevention for seniors 55+. Operated by Visiting Nurses Association (VNA), services include foot care, health checks, and blood pressure checks. The fee for foot care is $40 payable at the time of your appointment. Foot care may be Kaiser covered with pre-approval. Reduced fee available upon approval. Masks required for everyone. Call 303-655-2075 for appointment. Clinic hours: 9:00 a.m. - 2:30 p.m.

Friday: Sept 6, 13, 20, Oct 4, 11, 18 Mondays: Sept 23, Oct 28

Central Intelligence Agency

EVAC & Zoom Formally created in 1947, the Central Intelligence Agency (CIA) grew out of the World War II Office of Strategic Services (OSS). Given extensive power to conduct foreign intelligence operations, the CIA was charged with advising the National Security Council on intelligence matters. Speaker: Paul Flanders.

Thurs. Sept 12 - 1:30 p.m.

$4.00

Deadline: Tues. Sept 10

Learn the Truth about Reverse Mortgages

If you’re over 62 and own a home, you might qualify for a Reverse Mortgage to pay off your mortgage, get extra retirement income, or buy your dream home. Explore your options today. Instructor: Jackie Hahn.

Thurs. Sept 12 - 2:00 - 3:00 p.m.

Free

Deadline: Tues. Sep 10

Friday Feast

The Mile High Cougars Trio will entertain today. These talented musicians play a variety of instruments and sing pop, country, and a little bit of everything else. We’re serving chicken parmesan sliders, salad, and cookies.

Need help with your laptop, tablet, or smartphone? We will do our best to help you become more comfortable using your device. Schedule an appointment with Calvin at 303-655-2187.

Massage

Feel great with a massage by our certified therapist, Laurie Lozano Maier. She has over 12 years of massage therapy experience. Call 303-655-2075 to make a onehour appointment. Pay Laurie at the time of service - check or cash.

Tuesdays and Wednesdays $60 for 1 hour

Deadline: Two days ahead

Transportation

Via Mobility - provides specialized transportation within the City of Brighton. Via can take you to medical appointments, grocery shopping, and Eagle View, to name just a few of the places you can go in Brighton. New Via users - call 303-447-2848 ext. 1014 to get started. To schedule rides, call 303-447-9636. Free rides to and from Eagle View to seniors living in the Brighton Via service area are provided by funding from the Senior Advisory Board.

FlexRide

This is an RTD service. Call 303-994-3549 for reservations. The driver will pick up and deliver you anywhere within Brighton, Mon - Fri. 6:00 a.m.7:00 p.m. Cost is the local RTD bus fare.

Fri. Sept 13 -12:00 noon

$6.00

Deadline: Wed. Sept 11

AARP Car Fit

Small adjustments to things like mirrors, seat belts, and seat position can make a big difference in safety. Experts will make adjustments to optimize the safety of your personal vehicle. Visit or call the front desk to schedule an appointment.

Thurs. Sept 12 - 8:30 a.m. - 12:00 noon

Free

Deadline: Tues. Sept 10

Blood Pressure Screening

The firefighters from the Brighton Fire Department will perform FREE blood pressure checks for one hour. Stop by!

Fri. Sept 13 @ 10:30 a.m.

Thurs. Sept 26 @ 10:30 a.m.

Comprehensive Cybersecurity

Join Rescue Geek for a hands-on cybersecurity training. Learn to identify and avoid phishing emails, recognize [Continued on page 44]

Community Living

secure websites, manage privacy settings, and use antivirus software. Enhance your online protection with comprehensive cybersecurity practices.

Tues. Sept 17 - 1:30 p.m.

$5.00

Deadline: Thurs. Sept 12

Craft Fair Sign-Up

Our Craft Fair is on Sat. Nov. 2, from 8:00 a.m. to 3:00 p.m. All items must be handmade. To request a table, call 303-655-2075 by Mon. Sept. 16, and leave your name and phone number. A lottery will determine the first 49 vendors, who will be notified on Tues. Sept. 17, with their registration time on Wed. Sept. 18. Vendors must come to the center, select their table, and pay the fee (cash or check only). A one-time $25 sales tax license is also required upon registering.

Registration times are between 8:15-10:00 a.m.

Wed. Sept 18

$35 per table

Active Minds: North Korea

EVAC & Zoom Join Active Minds for a discussion of recent developments as well as a review of North Korean history. We will cover the dynastic leadership of the Kim family as well as the country’s ongoing development of nuclear weapons. North Korea’s place in the world relative to global issues such as international trade and human rights issues will also be addressed.

Wed. Sept 18 - 1:30 p.m.

$5 Deadline: Tues. Sept 17

Cache la Poudre

Explore the Cache la Poudre, Colorado’s only wild and scenic river, flowing through colorful canyon walls and

SEPTEMBER

CLASSES

AARP Smart Driver Course

Take AARP’s driving refresher course of safe driving practices and rules of the road. Most companies offer a discount off auto insurance for course completion. Instructor: Dennis Gibbons

Wed. Oct 9 - 11:30 a.m. - 4:00 p.m.

$20 - AARP member $25 - Non-member Deadline: Mon. Oct 7

Butter Boards

Move over, charcuterie - there’s a new trend! Butter boards are in. Bring a board, tray, or platter, and create a half-sweet, half-savory butter board to share. We’ll cover techniques for butter display, complementary flavors, and presentation. Instructor: Amy Wilson. Fri. Oct 4 - 10:00 - 11:00 a.m.

$21

Deadline: Mon. Sept 30

Cultivate Your Intuition

This four-week group offers a space for personal exploration and healing. Learn to consciously connect

the vibrant Poudre Canyon. Journey along the North Park Scenic Byway to discover this National Heritage Area and its captivating stories, including those of gold miner George Pingree and musician Joan Baez. Presented by Dave Lively of Lively Tours and Talks.

Thurs. Sept 19 - 1:30 p.m.

$5.00

Deadline: Mon. Sept 16

Life During the Civil War

What was life like for a Civil War soldier? 90% boredom interrupted by sheer terror during battles and skirmishes. Hear about medical practices in field hospital and specific information on the Battle of Wilson’s Creek (aka Battle of Oak Hills), the first major battle west of the Mississippi. Presented by Dennis and Patty Gibbons. ues. Sept 24 - 1:30 p.m. T

$3.00

Deadline: Fri. Sept 20

Cribbage Tournament

Our monthly cribbage tournament is lots of fun and includes prize winnings. Just drop-in and pay fee to the tournament volunteer.

Wed. Sept. 25 - 12:30 p.m.

$4.00

Feathered Friends: Rough-Legged Hawk

This month’s Feathered Friends highlights the roughlegged hawk, a fall and winter visitor to Colorado. A relative of the red-tailed hawk, it nests in the Arctic and arrives in Colorado around October 1st. Known as the rough-legged “buzzard” in the UK, this groundnesting raptor is at home on the ground or perched on a telephone pole.

Silver Tongue Players Present...!

The Silver Tongue Players are the EVAC Readers Theatre acting troupe performing a short 15 - 30-minute play the last Thursday of each month. Enjoy a variety of genres with each performance - typically heartwarming or rib-tickling comedy! Please see the posted flyers for description.

Thurs. Sept 26 - 11:00 a.m.

Free

“Ain’t Done Just Yet”

Russel Lubliner’s play “Ain’t Done Just Yet” is a musical story about four seniors navigating the challenges of aging. It highlights issues like ageism and the impacts of the pandemic, portraying how elders, often overlooked and patronized, cope with these struggles. The play aims to bring joy and relatable emotions, offering a meaningful and uplifting experience for its audience.

Fri. Sept 27 - 1:30 p.m.

$5.00

Deadline: Wed. Sept 25

Ageism is Still a Thing

Come talk about how the stereotypes associated with aging impact us and how to handle the challenges of ageism. Facilitated by Jody Pierce, Pennock Center for Counseling.

Tues. Oct 1 - 1:00 p.m.

$2.00

Deadline: Fri. Sept 27

Note: Not all offerings are listed here. Please visit www.brightonco.gov for a complete listing.

with your Soul Self and recognize your intuition’s guidance. Each week focuses on a different theme: Soul Self, intuition, forgiveness, and spirit guides. Instructor: Renee Gallegos.

Mondays - 11:00 a.m. - 12:00 noon

Sept 9 - 30

$60 (4 wks)

Deadline: Thurs. Sept 5

Diamond Dots

Diamond Dots is a fun, easy craft like Paint by Numbers but with colorful gems. No experience needed. In September, bring leftover dots or use ours to create a wood Christmas ornament. In October, choose between a cardinal or winter scene. See display case for examples. Instructor: Linda Addison.

Tuesdays - 1:00 - 3:00 p.m.

$16

Session 1: Wood Ornament Sept 17

Deadline: Fri. Sept 13

Session 2: Winter Choice Oct 15

Deadline: Fri. Oct 11

Genealogy

Discover and record your ancestors using computers and other resources. Class limited to 3 people on EVAC computers. Others can bring a laptop or device with wireless capabilities. Basic computer skills required.

Bring a flash drive and pencil with eraser. Facilitators: Fred Trail and Sheryl Johnson.

Fridays - 9:00 - 10:30 a.m.

Sept 6 - Oct 25

$20 (8 wks)

Deadline: Wed. Sept 4

Greeting Cards

Learn techniques in card making with a variety of occasions to choose from. You’ll make four cards, all supplies and envelopes included in fee. Instructor: Linda Addison.

Fridays - 10:00 a.m. - 12:00 noon

$16

Session 1: Sept 13 Deadline: Wed. Sept 11

Session 2: Oct 11 Deadline: Wed. Oct 9

Knitting: Beginning

Learn basic stitches like casting on, binding off, knit and purl, plus simple increases and decreases. You’ll also learn to fix mistakes and read your knitting. By the end, you’ll create a scarf using these skills. Supply list at registration. Instructor: Barbara Dedecker.

Mondays - 1:00 - 2:30 p.m.

Sept 16 - Oct 21

$21 (6 wks)

Deadline: Wed. Sept 11

DROP-IN ACTIVITIES

Billiards

We have two tables that are first-come, first-serve during business hours. 25¢ per day

Bingo In-Person

Join us in the dining room every Thursday with Barbara as our caller. One card per player. Win gift cards! Free to play.

Thursdays - 12:15 p.m.

Ladies Billiards

This is “women only” time to enjoy the pool tables. Mondays - 1:00 - 4:00 p.m. 25¢ per day

Knit & Crochet Drop-in

Drop in to knit or crochet with others. No instructor. Wednesdays - 10:00 - 11:30 a.m.

Peer Room 25¢ per day

Mexican Train Dominos

This is an easy game to learn - it’s regular dominos with a fun twist.

Wednesdays - 12:30 - 3:30 p.m.

Scrabble

Play Scrabble with others who enjoy the game. Wednesdays - 12:30 - 3:30 p.m.

Toys for God’s Kids

Make and/or assemble wooden cars to distribute to kids around the world through “Toys for God’s Kids.” Call Dave at 303-503-4926 for details.

Tuesdays - 8:15 - 10:15 a.m.

25¢ per day

Wood Carving Drop-in

Learn to carve wood or work on an existing project. Call Norm at 978-568-1191 to arrange free instruction.

Tuesdays - 8:15 - 10:15 a.m.

25¢ per day

Cards, Cards, Cards!

New players welcome. Call the listed volunteer.

Hand and Foot

Mondays & Fridays - 12:30 - 3:30 p.m. Room: Falcon

Pinochle Pals

Tuesdays - 12:30 - 3:30 p.m.

Room: Falcon

Lending Library

Borrow books from the library for free and keep them as long as you need. Do NOT re-shelve books - our volunteer librarians do that for us. We accept donations of large print and paperback books only. We are especially needing more large print books.

Computers Available

Computers with free internet are available when Falcon Room is unoccupied. Ask the front desk for assistance. A cleaned and sanitized keyboard will be checked out for you to use.

Free Wi-Fi

Free Wi-Fi is available throughout EVAC. Inquire at front desk.

Cribbage

Wednesdays - 12:30 - 3:30 p.m.

Room: Peer

Shirley: 720-685-3369

Tournament: $4

Wed. Sept 25, Oct 30

Bridge

Fridays - 12:30 - 3:30 p.m.

Room: Talbot

Judy: 303-378-5226 Please call if new

Sharpen your Brain - Play Sudoku!

Sudoku is one of the most popular puzzle games of all time. As a logic puzzle, Sudoku is also an excellent brain game. If you play Sudoku daily, you will soon start to see improvements in your concentration and overall brain power. Start a game today and make it a part of your daily brain workout!

The goal of Sudoku is to fill in a 9×9 grid with digits so that each column, row, and 3×3 section contain the numbers between 1 to 9. At the beginning of the game, the 9×9 grid will have some of the squares filled in. Your job is to use logic to fill in the missing digits and complete the grid. Don’t forget, a move is incorrect if:

• Any row contains more than one of the same number from 1 to 9

• Any 3×3 grid contains more than one of the same number from 1 to 9

• Any column contains more than one of the same number from 1 to 9

How to Calculate ROI for a Rental Property Solution to Suduko

Real Estate

Your return on investment (ROI) is how much money you make or lose on a property investment. It should be enough to cover expenses and have positive cash flow. ROI can vary greatly, depending on the formulas you use.

The 2% rule. This rule states that the monthly rent for a rental property should be at least 2% of its purchase price. If you paid $300,000 for your home, you should be able to rent it for $6,000, as $300,000 X 0.02 = $6,000. This figure may be unrealistic in most markets.

The 1% rule. Let’s say that monthly rents for single family homes like yours are closer to $3,000. That’s only a 1% return on your $300,000 home. Is it worth it? Yes. If you combine the costs of your first mortgage and equity loan at $240,000, and the projected monthly rent of $3,000, you’ll net $600 a month in addition to the renter paying your mortgages. $240,000 X 0.01 = $2,400. $3,000 - $2,400 = $600. $600 X 12 = $7,200.

ROI for rental properties is determined by subtracting the total operating costs from the total rental income for the year and dividing this number by the mortgage amount. Operating expenses don’t include mortgage costs, but it does include repairs, maintenance, taxes, utilities, vacancy losses, management fees, etc. $3,000 X 12 = $36,000. Monthly operating costs are $800 X 12 = $9,600.

$36,000 - $9,600 = $26,400. $26,400 / $240,000 = 0.11 ROI.

ROI should increase the longer you own the property.

Need help evaluating a potential investment property? Your Berkshire Hathaway HomeServices Colorado Real Estate Forever Agent SM is always here to help with your real estate needs and questions. Call us at 303-905-8850 or visit BHHScore.com