NOW WHAT?! Here is your guide to:
Health Coverage, Food and Nutrition, Career Exploration, Personal Finance, Housing, and Transportation
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Congratulations! Graduating from high school is an exciting time when you get to make your own decisions and start building your own life. Soon, you might find yourself making decisions that can impact your future, like: finding a job, going to college, moving out of your parents’ house, and more. It can be hard to know where to start or who can help, so this guide includes many community resources that are available for you along the way. The purpose of this guide is to give you useful information that will help you on your new journey. The resources have been grouped into the following sections: • Health Coverage • Food and Nutrition • Career Exploration • Personal Finance • Housing • Transportation The Health Coverage section provides details about affordable and low-cost health insurance, including discounted and free programs offered by local agencies. The Food and Nutrition section provides a brief summary of the requirements for Food Assistance (also known as the Supplemental Nutrition Assistance Program, or SNAP) and a list of local food banks and pantries. The Career Exploration section introduces you to Workforce Boulder County (WfBC), an organization that can help you with resume building, interviewing skills, financial workshops, and can connect you with potential employers. Whether you’re interested in an internship or looking to break into your desired career, WfBC can help.
Have Questions for Us? You can contact the Boulder County Healthy Kids and Adults team at 720.722.1454 if you are in St. Vrain Valley School district or 720.515.1454 for Boulder Valley School District. We have specialists ready to help you. ¡Se Habla Español!
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The Personal Finance section will help you take control of your money, manage debt, and save for the future. There’s truly something for everyone and every financial situation in the Personal Finance section. The Housing section provides some helpful tips which may help you determine what type of housing might work best for you, ways to avoid rental scams, important questions to ask a potential landlord, how to secure a rental, and more. The Transportation section provides information about riding the bus, biking, and low-cost options available to help you get where you need to go.
Check Out Our New Online Supports Management Site!
Boulder County Use Boulder County Connect to: • • •
Manage your supports Upload important documents, saving you time and trips to our office Learn about new programs and other resources offered throughout our community
Live chat with a specialist!
Want fast and easy access to your Health First Colorado (Colorado's Medicaid Program) and Child Health Plan Plus (CHP+) on the go? Download the PEAKHealth mobile app to find a doctor, get your Health First Colorado card, and more – right from your phone! You must be a current Health First Colorado or CHP+ member to use the secure PEAKHealth app and must have an account on Colorado.gov/PEAK. Health First Colorado and CHP+ members can create a PEAK account anytime at Colorado.gov/PEAK. Download PEAKHealth for free from the Apple iTunes Store or Android/Google Play App Store. 3
Healthy Kids and Adults
HKOutreach@BoulderCounty.org BVSD: 720.515.1454 SVVSD: 720.722.1454
C4HCO Assistance Sites
Why Do You Need Health Coverage? From medical emergencies to regular check-ups, having health insurance can help you face challenges and reduce the chance that you will get sick in the first place. Boulder County Healthy Kids & Adults, in partnership with your school district, enrolls eligible children, individuals, and families in Health First Colorado (Colorado’s Medicaid program) and Child Health Plan Plus (CHP+). Health First Colorado and CHP+ are free or low-cost insurance plans that can help you stay healthy. Healthy Communities is a case management program for pregnant women and children enrolled in Health First Colorado and CHP+ in Boulder County. The program is designed to improve child health by assisting families to make the most of their medical benefits. Established as a result of the federal Affordable Care Act, Connect for Health Colorado (C4HCO) is the state’s online health insurance marketplace. C4HCO helps Boulder County residents shop for and purchase health insurance through private carriers. Many residents are eligible to lower the cost of their insurance. The program is for residents who currently buy insurance on their own, are uninsured, or don’t have access to affordable health coverage through an employer. The program is not for those eligible for Health First Colorado, CHP+ or Medicare, or who have affordable employer-based coverage.
Average cost of a sprain:
That’s about 167 chicken burritos from Chipotle. 4
Health First Colorado What is it? Health First Colorado (Colorado’s Medicaid program) is free health and dental insurance for families and individuals with low incomes, and limited resources. The Early & Periodic Screening, Diagnostic, and Treatment (EPSDT) is the child health component of Health First Colorado that provides comprehensive and preventive health care services for individuals under age 21. Who is it for? Health First Colorado is for households at/under 68% of the Federal Poverty Level (FPL) (parents/caretaker relatives), 142% FPL (children 0-18) or 195% FPL (pregnant women). How can I apply? Fill out an application online through Colorado PEAK or in-person at one of our offices. You can also call us. We can provide application assistance. How long does the coverage last? Health First Colorado doesn’t have an expiration date. You can have it as long as you qualify (eligibility is reviewed annually).
Benefits of Health First Colorado and CHP+ Include: • Dental care • Emergency services • Family planning services • Hearing services • Hospital services • Immunizations • Laboratory/Radiology • Mental/behavioral health • Occupational therapy • Physical therapy • Prenatal/Maternity care • Prescriptions • Primary Care/General Health • Smoking cessation • Speech therapy • Substance abuse treatment • Vision care (eye exams and glasses)
Child Health Plan Plus (CHP+) What is it? CHP+ is low-cost health and dental insurance for Colorado’s uninsured children and pregnant women who earn too much to qualify for Health First Colorado but not enough to afford private health insurance. Participants may pay an annual fee ($25-$105) and copayments ($0-$50) depending on income and type of care. There are no enrollment fees or copayments for pregnant women. Who is it for? CHP+ is for children (0-18) and pregnant women whose families make too much to qualify for Health First Colorado (maximum of 260% of the FPL). How can I apply? You can apply online through Colorado PEAK or in-person at one of our offices. How long does coverage last? CHP+ doesn’t have an expiration date. You can have it as long as you are qualified (eligibility is reviewed annually). Family Size Monthly Income Limit Health First Colorado 1 $1,337
Monthly Income Limit CHP+ $2,613
Visit BoulderCountyHHS.org for the most current eligibility information.
If you are under the age of 19 and have a qualifying disability determined by SSA listings and your family income is below 300% FPL, you may qualify for the Health First Colorado Children’s Buy-In program. If you are 16 or older, disabled (qualifying disability determined by SSA criteria), are working, and your income is less than 450% FPL, you may qualify for Health First Colorado for Working Adults with Disabilities. 5
Did you know Health First Colorado offers emergency medical assistance for non-citizens? This program covers emergency medical conditions such as the delivery of a baby or severe acute symptoms that without immediate medical attention could result in: • placing the patient’s health in serious jeopardy • serious impairments of bodily function • serious dysfunction of any organ or body part For each emergency service, a doctor must certify each emergency medical condition in writing. The medical emergency must be indicated on the claim form and verification. These forms must be delivered to the county social worker or Healthy Kids and Adults technician.
Please Note: Emergency medical coverage is limited to the care and services needed to treat the emergency condition only. The coverage does not include prenatal care or follow-up care. Eligibility for emergency medical assistance ends after the emergency service has been provided. Free Care for the Uninsured Hopelight Medical Clinic 1351 Collyer St · Longmont, CO 80501 Phone: 303.776.7117
Free primary care for uninsured members of the Longmont community, regardless of background, creed, or beliefs.
Tuesdays, 2 pm to 6 pm and Thursdays, 3 pm to 7 pm Walk-ins welcome. Appointments appreciated.
Resources for Teen Parents GENESIS (Boulder County Public Health) The GENESIS program promotes healthy parenting practices within teen parent families in Boulder County. Services are provided to teen parents from pregnancy through the child’s third birthday. GENESISTER (Boulder County Public Health) GENESISTER is a pregnancy prevention program for the siblings of pregnant and parenting teens. Immunization Program (Boulder County Public Health) The Immunization Program provides immunizations for Boulder County residents younger than 19 who have Health First Colorado, no health insurance, or who have insurance that does not cover vaccinations. Mother House Phone: 303.447.9602 Provides shelter for homeless pregnant women 16 years of age and older.
WIC (Boulder County Public Health) WIC (Women, Infants, and Children) Program provides vouchers for supplemental, nutritious foods, nutrition and breastfeeding information, and referrals to other health and nutrition services for pregnant or breastfeeding women and their children up to age 5. Participants must meet income eligibility requirements. Family Resource Centers
Increase parental resilience, build social connections, receive concrete support in times of need, gain knowledge of parenting and child development, and foster social and emotional confidence of children through family-centered services.
Emergency Family Assistance Association Phone: 303.442.3042 · EFAA.org OUR Center Phone: 303.772.5529 · OURCenter.org Sister Carmen Community Center Phone: 303.665.4342 · SisterCarmen.org
Child Care Assistance Program
Child care is expensive. We can help!
www.BoulderCountyChildCare.org · CCAP@BoulderCounty.org 6
303.678.6014 (ask for the Outreach Coordinator)
Additional Health Care Resources in Boulder County Boulder County AIDS Project 2118 14th St, Boulder, CO 80302 Phone: 303.444.6121 515 Kimbark St, Longmont, CO 80501 Phone: 303.774.8827 Offers medical and bilingual case management, insurance assistance, and prevention programs Boulder Valley Womenâ€™s Health 2855 Valmont Rd, Boulder, CO 80301 82 21st Ave, Longmont, CO 80501 Phone: 303.442.5160 Provides reproductive and sexual health care; accepts Health First Colorado, private insurance, and also sliding scale payments based on ability to pay
Dental Aid 4155 Darley Ave, Boulder, CO 80305 1715 Princess Dr, Longmont, CO 80501 877 S Boulder Rd, Louisville, CO 80027 Phone: 303.645.4850 (main) Provides reduced-fee oral health care; accepts Health First Colorado/CHP+, and cash payments based on ability to pay Imagine! 1400 Dixon Ave, Lafayette, CO 80026 Phone: 303.665.7789 Provides support services to people with developmental and cognitive disabilities including autism, cerebral palsy and Down syndrome
Center for People with Disabilities 1675 Range St, Boulder, CO 80301 615 North Main St, Longmont, CO 80501 Phone: 303.442.8662 Provides core services in independent living skills, advocacy, information/referral, and peer support for people with disabilities; offers Home Health Services
Mental Health Partners 3180 Airport Road (24/7 Walk-In Crisis Center) Boulder, CO 80304 Phone: 303.443.8500 (to request services) Comprehensive community mental health center; in addition to walk-in site, MHP has outpatient offices throughout Boulder & Broomfield Counties
Clinica Family Health Services 2525 13th St, Boulder, CO 80304 2000 W. S. Boulder Rd, Lafayette, CO 80026 Phone: 303.650.4460 Comprehensive medical care including behavioral health & dental care for low-income people; accepts Health First Colorado & CHP+, and cash payments based on ability to pay
Salud Family Health Center 220 E Rogers Rd, Longmont, CO 80501 Phone: 303.697.2583 Comprehensive medical care including behavioral health & dental care for low-income people; accepts Health First Colorado and CHP+, and cash payments based on ability to pay
Boulder County Public Health
Phone: 303.441.1100 Provides information and support to Boulder County residents to ensure all people have the opportunity to live a healthy life. Substance Abuse Intervention Program The Substance Abuse Intervention Program provides substance use evaluations and classes for teens and young adults who need help addressing their use of alcohol, marijuana, and other drugs. OASOS OASOS (Open & Affirming gender identity & Sexual Orientation Support) provides support for Lesbian, Gay, Bisexual, Transgender, Questioning, Intersex, and Asexual (LGBTQIA+) youth ages 13-18 through peer youth groups, leadership opportunities, and advocacy. HIV/STI Program The HIV/STI Program offers low-cost and confidential HIV and Hepatitis C testing. Works Program The Works Program provides harm reduction education and supplies for drug users who inject. Overdose reversal training is also available to drug users and their loved ones. 7
Mental Health In 2018, Boulder County Public Health chose mental health as their department priority for the next 5 years! Below is a quick info sheet on mental health for young adults.
Did you know...
22.1% of young adults 18-25 report having some type of mental illness.
Of young adults reporting a mental illness, only 35.1% have received treatment. That means 64.9% of young adults with mental health issues aren't getting the help they need. The good news is, you can help! Recognize the signs and learn how you can support a friend in need. www.nimh.nih.gov/health/statistics/mental-illness.shtml
Depression and Anxiety are not Uncommon According to the Association for University and College Counseling Center Directors, the number of college students reporting anxiety and depression is on the rise.
2009-2016 AUCCCD Director Surveys (Public)
Signs and Symptoms of Depression and Anxiety Feeling very sad or withdrawn for more than 2 weeks Talking about death or suicide Severe out-of-control risk taking behaviors Significant weight loss or gain Repeatedly using drugs or alcohol Drastic changes in mood, behavior, personality or sleeping habits
How you can help Talk Create a safe space for conversation Reassure your friend things will be OK Check in with your friend regularly
Call Use the list to the right! Look up support groups online with your friend
Ask You don't have to do it alone! Talk to a school counselor, teacher, faith leader, or someone else you trust
Read the 2017 Mental Health & Substance Abuse Report completed by Boulder County Public Health by visiting https://www.bouldercounty.org/departments/public-health/improving-mental-health/ 8
Mental Health Resources in Boulder County If you are experiencing a medical emergency, please call 911 Low cost/Health First Colorado providers for non-crisis mental health services
Providers specializing in crisis and/or addiction services
Boulder Emotional Wellness 3434 47th Street, Suite 130, Boulder Phone: 303.225.2708 Sliding fee scale
Colorado Crisis Services 24-Hous crisis line: 1.844.493.8255 or text â€œTalkâ€? to 38255 Free crisis line for anyone experiencing any emotional distress or crisis
Community Holistic Health 409 S. Public Road, Lafayette Phone: 303.666.6192 Sliding fee scale Naropa Community Counseling Center 3400 Table Mesa Drive, Boulder Phone: 303.546.3589 Accepts Health First Colorado Sliding fee scale Peak to Peak Counseling 159 West 2nd Street, Nederland Phone: 303.258.7454 Sliding fee scale Whole Connection 100 Arapahoe Avenue, Boulder Phone: 720.316.7774 Accepts Health First Colorado
Community Solutions 420 21st Avenue, Suite 113, Longmont Phone: 303.834.9369 Scholarships or sliding fee scale may be available Mental Health Partners 3180 Airport Road, Boulder Phone: 1.844.493.TALK (8255) 529 Coffman Street, Longmont Phone: 303.443.8500 1455 Dixon Avenue, Suite 140, Lafayette Phone: 303.443.8500 100 Spader Way, Broomfield Phone: 303.443.8500 Accepts Health First Colorado Sliding fee scale Safe Shelter of St. Vrain Valley* *Specifically for victims of domestic abuse P.O. Box 231, Longmont 24-Hour crisis line: 303.772.4422
Open Path Collective Open Path is a collective of therapists who have generously agreed to provide in-office treatment for $30 to $50 a session (between $30 and $80 for couples and families). Open Path clients pay a one-time membership fee of $49 to work with an Open Path therapist at a significantly reduced rate. Because the rate is so low, clients gain back their membership fee after just one session. Many Open Path therapists also provide sessions online.
Start your journey in 3 easy steps Apply Engage
Find Open Path therapists in your area, view their profiles and find the best fit for your needs.
Complete online application and pay a one-time, lifetime membership of $49.
Schedule an appointment with your chosen professional and work out payment terms.
Food and Nutrition
The Fine Print
This institution is prohibited from discriminating on the basis of race, color, national origin, disability, age, sex and in some cases religion or political beliefs. The U.S. Department of Agriculture also prohibits discrimination based on race, color, national origin, sex, religious creed, disability, age, political beliefs or reprisal or retaliation for prior civil rights activity in any program or activity conducted or funded by USDA. Persons with disabilities who require alternative means of communication for program information (e.g. Braille, large print, audiotape, American Sign Language, etc.), should contact the Agency (State or local) where they applied for benefits. Individuals who are deaf, hard of hearing or have speech disabilities may contact USDA through the Federal Relay Service at (800) 877-8339. Additionally, program information may be made available in languages other than English. To file a program complaint of discrimination, complete the USDA Program Discrimination Complaint Form, (AD-3027), found online at: http:// www.ascr.usda.gov/complaint_filing_cust.html, and at any USDA office, or write a letter addressed to USDA and provide in the letter all of the information requested in the form. To request a copy of the complaint form, call (866) 632-9992. Submit your completed form or letter to USDA by: (1) mail: U.S. Department of Agriculture Office of the Assistant Secretary for Civil Rights 1400 Independence Avenue, SW Washington, D.C. 20250-9410 (2) fax: (202) 690-7442; or (3) email: email@example.com. For any other information dealing with Supplemental Nutrition Assistance Program (SNAP) issues, persons should either contact the USDA SNAP Hotline Number at (800) 221-5689, which is also in Spanish or call the State Information/Hotline Numbers (click the link for a listing of hotline numbers by State); found online at: http://www.fns.usda.gov/snap/contact_info/ hotlines.htm. To file a complaint of discrimination regarding a program receiving Federal financial assistance through the U.S. Department of Health and Human Services (HHS), write: HHS Director, Office for Civil Rights, Room 515-F, 200 Independence Avenue, S.W., Washington, D.C. 20201 or call (202) 619-0403 (voice) or (800) 537-7697 (TTY). This institution is an equal opportunity provider.
Healthy Bodies = Healthy Brains
The benefits of a healthy diet are far-reaching, from combating diseases and improving longevity to boosting energy levels and improving your mood. The Boulder County Department of Housing and Human Services administers the Food Assistance Program, also known as SNAP (Supplemental Nutrition Assistance Program). SNAP provides eligible households with an electronic benefits card that works just like a debit card and can be used at most grocery stores and farmersâ€™ markets to ensure access to healthy foods.
We believe everyone has the right to food that is Nutritious and
Individual adults and families may qualify for assistance based on a number of factors including income and family size. If you are living with other people who are not part of your immediate family, you can apply for just yourself, your family, and the others who purchase and prepare food with you. Adult children up to the age of 22 cannot be considered a separate household if they live with their parent(s).
Food Assistance Income Limits Family Size 1 2 3 4 5 6
What type of items can you purchase with Food Assistance?
Monthly Income Limit $1,307 $1,760 $2,213 $2,665 $3,118 $3,571
Can Students Apply for Food Assistance? If you are a student, you may be eligible for Food Assistance if you are at least one of the following: • Disabled • Under the age of 18 • Enrolled in a state or federally financed work study program • Employed 20 or more hours a week • Attending school through Workforce Investment Act (WIA) • A single parent with dependent children under the age of 12 • Responsible for the care of a child under the age of 6 • Responsible for the care of a child between the ages of 6 and 11 for whom adequate child care is unavailable • Receiving Colorado Works (TANF) • Attending post secondary education less than 1/2 time • Not attending an institute of higher education
Items which cannot be purchased with Food Assistance include:
Applying for Food Assistance is Easy You can apply for Food Assistance at your local Housing & Human Services office, any application assistance site, or online through the Colorado PEAK website. Accessing Food Assistance If you are approved for Food Assistance, you will receive an Electronic Benefits Transfer (EBT) card, which will be automatically reloaded during each month of eligibility. You can use your EBT card at most grocery stores and some local farmers’ markets, just like you would a debit card.
Double your SNAP at the Farmers’ Market
BUY $1 FRUITS & VEGGIES
UP TO $20
HEALTHY FOR YOU!
FRUITS & VEGGIES
If you’re enrolled in Food Assistance (SNAP) you can use your EBT card at the Boulder, Lafayette, and Longmont farmers markets to get SNAP bucks to purchase SNAP-eligible foods anywhere in the market. And for every dollar you withdraw from your SNAP account, you will receive an equal amount of Double Up Bucks, which can be used to buy fresh fruits and vegetables. If you’re enrolled in WIC you can receive WIC bucks to buy fruits, vegetables, meat, eggs, and cheese. Just ask your WIC educator at your next appointment.
Look for the official Farmers’ Market booth to get started!
Eat in Season! Check the market often for your favorite fruits and vegetables. MAY
asparagus beets broccoli cabbage cantaloupe carrots cauliflower celery
Please visit CityOfLafayette.com/farmersmarket for location information. Thursdays from 4 p.m. to 8 p.m. Second Thursday in June through the fourth Thursday in September. Located at the Boulder County Fairgrounds, 9595 Nelson Rd. Saturdays from 8 a.m. to 1 p.m. First Saturday in April through the third Saturday in November. Plenty of FREE parking.
Located on 13th Street, between Arapahoe Ave. and Canyon Blvd. Saturdays from 8 a.m. to 2 p.m. First Saturday in April through the third Saturday in November. Parking is FREE in all public garages. Wednesdays from 4 to 8 p.m. First Wednesday in May through the first Wednesday in October.
Boulder County Farmers Markets Boulder
cucumbers eggplant green beans herbs
honeydew lettuce (leaf and head) onions peaches pears peppers pinto beans (all year) plums potatoes
Want to make healthy, affordable meals using food from the farmers market? Check out the following cookbooks! Eat Well on $4 a Day
Also available in Spanish!
Farmers Market Meals
pumpkins raspberries rhubarb spinach summer squash strawberries sweet corn tomatoes watermelon
To learn more about Double Up Food Bucks and SNAP at the Farmers Market, call 303.441.1564 or visit BoulderCountyDoubleUp.org. Double Up Food Bucks is a LiveWell Colorado collaboration.
Additional Food Assistance Resources in Boulder County Dates and times of food bank and free meal services vary and restrictions may apply. Please contact the organizations listed below for more information. Food Banks
Community Cupboard 14863 Highway 7, Allenspark Phone: 303.747.2906
Boulder Shelter for the Homeless 4869 N. Broadway Street, Boulder Phone: 303.442.4646 BoulderShelter.org
Community Food Share 650 S. Taylor Avenue, Louisville Phone: 303.652.3663 CommunityFoodShare.org Emergency Family Assistance Association 1575 Yarmouth Avenue, Boulder Phone: 303.442.3042 EFAA.org Harvest of Hope 2960 Valmont Road, Boulder Phone: 720.382.1971 HopePantry.org Lyons Community Food Pantry 350 Main Street, Lyons Phone: 720.864.4309 LEAFLyons.org Nederland Food Pantry 750 W. Highway 72, Nederland Phone: 303.258.3579 NederlandFoodPantry.org OUR Center 220 Collyer Street, Longmont Phone: 303.772.5529 OURCenter.org
First Congregation UCC 1128 Pine Street, Boulder Phone: 303.442.1787 First Presbyterian Church 1820 15th Street, Boulder Phone: 303.402.6400 First United Methodist Church 1421 Spruce Street, Boulder Phone: 303.442.3770 Mountain View Methodist Church 355 Ponca Place, Boulder Phone: 303.494.5025 OUR Center 220 Collyer Street, Longmont Phone: 303.772.5529 OURCenter.org St. John the Baptist Catholic Church 804 S. Lincoln Street, Longmont Phone: 303.776.0737 JohnTheBaptist.org Trinity Lutheran Church 2200 Broadway, Boulder Phone: 303.442.2300
Sister Carmen Community Center 655 Aspen Ridge Drive, Lafayette Phone: 303.665.4342 SisterCarmen.org St. John the Baptist Catholic Church 804 S. Lincoln Street, Longmont Phone: 303.776.0737 JohnTheBaptist.org United Methodist Church of Louisville 741 Jefferson Avenue, Louisville Phone: 303.666.8812 13
“Anyone who stops learning is old, whether at twenty or eighty. Anyone who keeps learning stays young.”
Henry Ford said this way back in 1940, but it’s never been more relevant! Technology is advancing faster than we’ve ever seen. Automation and artificial intelligence are making major impacts on the economy. While it’s true that we shouldn’t fear change, we need to be ready for it. These advancements won’t eliminate jobs, but the jobs available will shift in to difference areas and industries. Some estimates suggest that 80% of the jobs available by 2030 (only 12 years away), do not currently exist. In light of this new reality, it’s essential to stay up-to-date on technology and industry trends. Check out the free seminars at universities near you, watch TED talks, or listen to the countless FREE college classes available online (not-for-credit). Better yet, schedule an Informational Interview with people in your chosen career field. Ask to meet with people for 25-30 min to discuss how they got involved in their job, what trends they’re noticing, and what training/certifications/skills they recommend that you explore.
BVSD Lifelong Learning
Get ready to gain new skills and keep your mind active with Lifelong Leaning classes for teens and adults. With several classes in a wide variety of subjects, there’s sure to be something for everyone. Check out their upcoming classes at BVSD.org Topics include: business development · computers · cooking · creative arts · dance · drama · drawing family and relationships financial affairs · gardening · health and fitness · language and culture mind and body · music · outdoors and recreation · painting · photography · travel · writing
Building 61: Boulder Public Library Makerspace
BLDG 61 is a free community workshop that provides maker education and technology to the public in a creative and inclusive environment. Take a workshop, orient yourself with the tools and/or specialized equipment, or get started working on your own personal projects. Building 61 is your creative haven! Equipment includes sewing machines, spinning wheels, looms, screen printers, 40 & 75 Watt CO2 Epilog laser cutters, Computer Numeric Control (CNC) machine, table saw, band saw, drum sander, drill press, chop saw, hand tools, 3D printers, vinyl cutter, computer design software, electronics workbench, and more! All library sponsored programs, trainings and events are free! Patrons attending guided practices or drop-ins will need to bring their own staffapproved materials or purchase materials from BLDG 61. 14
Workforce Young Adult Program If you are between the ages of 16 and 24, the Workforce Young Adult Program might be a perfect fit for you! Want to get paid while gaining work experience? Do you want to check out what it’s like to work in a certain career? Workforce Boulder County can help! Work-Based Learning through the Workforce Young Adult Program is a hands-on, paid experience designed to explore different career options and gain exposure to the working world. You’ll work onside with an employer in our community to sharpen your skills, get more experience and grow confidence in your chosen career. The Workforce Young Adult Program can also help you with: • Training opportunities to prepare for a career pathway • Career exploration • Scholarships for short-term certifications • Developing leadership skills • Interviews, resumes, and job search • Learning workplace success skills • Follow-up services to support your ongoing employment Want to get started with the Young Adult Program? Meet with an Employment Advisor at Workforce Boulder County to see if you’re eligible: • Drop by the Boulder or Longmont office from 8:00 – 10:00 a.m. or 2:00 – 4:00 p.m. and ask to meet with an Employment Advisor. • Schedule an appointment with an Employment Advisor by emailing WfBCAdvising@BoulderCounty.org or calling 303-413-7555 (Boulder) or 720-864-6600 (Longmont).
Learn business, creative, education and tech skills with expert-led online video tutorials– anytime, anywhere. Start learning for free - all you need is your library card.* Topics include: 3D + Animation Character Animation · Game Design Modeling · Visual Effects Audio and Music Mixing · Music Production Recording Techniques · Studio Setup Business Communication · Data Analysis Leadership · Project Management Design Logo Design · Print Production Typography · Web Design Marketing Analytics · Email Marketing Search Engine Optimization (SEO) Social Media Marketing Photography Cameras and Gear · Color Correction Photography Foundations · Portraits Video Filmmaking · Motion Graphics Video Editing · Video Pre-Production Web Web Design · Web Development Web Foundations · Web Graphics See Lynda.com for a complete listing of trainings and programs offered. *Check with your local library to see if they offer free access to Lynda.com 15
Workforce Boulder County Entering the work place can be stressful! Workforce Boulder County (WfBC) offers services to help prepare you for the job search. All WfBC programs are free and open to anyone 16 years or older. Visit WfBC.org for the most up-to-date information on their programs. Do you know what you want to do? Do you have questions about the job market? Join WfBC for Career Exploration and explore jobs that fit your interests and skills? Dig into a variety of career assessments to help inform your decision making. Do you need a resume? Want some help showcasing your skills and experience? Check out Resume Basics. If you already have a resume and just want some feedback, swing in for weekly Walk-In Resume Critique. Are you finding it hard to get your foot in the door? Unsure how to build your professional network? WfBCâ€™s new Job Search Safari can help you navigate the hidden job market. Are you nervous about interviewing? Do you know how to prepare? Interview Basics can help; you can even practice answering interview questions! Want to learn more or get connected with WfBC? Stop in at one of their offices and visit with an Employment Advisor. Employment Advisors are available on a walk-in basis Monday-Friday from 8:00 to 10:00 a.m. and 2:00 to 4:00 p.m., or you can schedule an appointment by calling (see contact information below) or emailing WfBCAdvising@BoulderCounty.org.
WfBC Boulder 5755 Central Avenue, Suite B Boulder, CO 80301 Phone: 303.413.7555
WfBC Longmont 515 Coffman Street Longmont, CO 80501 Phone: 720.864.6600
Connecting Colorado: Connecting Talent with Opportunity Connecting Colorado is part of a state and county-run system that delivers immediate, tangible results for your future. You can post your resume, apply for a specific job, or do a self-directed job search through their comprehensive database of available jobs. Get registered! It will save you time if you create your account before coming in to a Workforce center. Donâ€™t worry about uploading your resume yet, you can work on that during Resume Basics or with the help of your Employment Advisor, just concentrate on creating your account. In addition to searching for your perfect job, ConnectingColorado.com offers a list of upcoming job fairs and career resources. Check it out today!
Financial Workshops Do you know if you have a credit score? Do you understand the rules around student loans? Have you ever opened a bank account? WfBC can help answer all these questions through workshops like: »» Exploring My Financial Future »» Budgeting on a Small Income »» Building a Banking Relationship »» Credit Reporting, Know the Facts »» Be Informed, Borrow Smart Workshops are designed for those 18 and older, however, those 16 and older may attend with an adult. Check out WfBC.org for the current workshop schedule and registration information.
Additional Career Building Resources in Boulder County Boulder County Personal Investment Enterprise (PIE) 5755 Central Avenue, Suite B, Boulder Phone: 303.413.7555 BoulderCounty.org/families/CAP PIE envisions being a source of hope for low-income families by creating a partnership that helps them achieve their asset goals of home ownership, post-secondary education, or small business capitalization Boulder Small Business Development Center Boulder Public Library 1001 Arapahoe Road, Boulder Longmont Chamber of Commerce 528 Main Street, Suite A, Longmont Phone: 303.442.1475 BoulderSBDC.com Supports growth & resiliency of small businesses in Boulder County by providing free business consulting, practical workshops & events and connection to resources, including financing Center for People with Disabilities 1675 Range St, Boulder, CO 80301 615 North Main St, Longmont, CO 80501 Phone: 303.442.8662 CPWD-ilc.org Prepares & trains participants to conduct a job search & secure a paying job; provides technical assistance to employers
Front Range Community College (Boulder County) 2190 Mill Dr, Longmont Phone: 303.678.3722 FrontRange.edu Offers a variety of academic programs - continuing education as well as degrees and certificates; has an ESL program Imagine! 1400 Dixon Ave, Lafayette Phone: 303.665.7789 ImagineColorado.org Provides educational services, job training and placement to people with developmental, cognitive & physical challenges Longmont Economic Development Partnership 630 15th Avenue, Suite 100A, Longmont Phone: 303.651.0128 Longmont.org/home.aspx Provides free one-on-one consulting, training, and workshops on starting and managing a small business SVVSD Career Development Center 1200 S Sunset St, Longmont, CO 80501 Phone: 303.772.3333 CDC.SVVSD.org Training in a variety of vocational fields; classes open to SVVSD students first, but open to the public if space is available 17
Bank On Boulder County Bank On Boulder County’s mission is to ensure that free or very low cost banking options and personal finance guidance are available to everyone in our community. Bank On approved accounts must meet standards including eliminating overdraft potential; $0 - $5 monthly fees; mobile account access and deposits; free statements; acceptance of alternate ID’s; and ‘Welcome Back Accounts’ for those who have tried banking before. Please visit their website, BankOnBoulderCounty.org for more information. Why Bank? It’s Safe, Simple, and Saves You Money.
Be Safe Prevent theft and loss of cash. Banks insure your money up to $250,000 per person.
Save on Fees
The Importance of Being Financially Fit Being“financially fit”in this day and age is just as important as being physically fit. But what does that really mean? Some examples might include, having enough savings in case of an emergency, creating a realistic spending plan and sticking to it, paying down debt as quickly as possible, and regularly monitoring your credit score. Just like checking in with your doctor before starting a fitness regimen, our team of personal finance coaches are here to help get you started and keep you going!
Financial Counseling Boulder County Financial Counseling provides free and confidential individual counseling and group workshops to households at all income levels. Our counselors are trained to help you build your skills, knowledge base, and confidence level to achieve the life you want, specifically in the areas of money management, housing and employment. We believe that by setting goals that align with your core values, everyone can turn a vision into a reality and experience success. If you have more questions or would like to know more about how to set yourself up for more financial stability, make an appointment with a Boulder County Financial Coach. Appointments are free and confidential. The counselor can help you understand how repayment options work and work with you to figure out how to manage your money even when it feels like there is not much to manage.
Without a bank account, it costs you money to cash your check, purchase money orders, and buy stamps to mail your payments. All of these can result in late payments and fees!
Housing & Financial Counseling
Save Time Your time is valuable! With a Bank On account, you’ll no longer have to leave work early to wait in line to cash your check or purchase expensive money orders.
Pay Bills Easily Pay your bills online from your computer, tablet, or phone. Set up automatic bill pay and don’t worry about your payments being late or lost in the mail.
Start Building Credit Positive bank account history can build or improve your credit score, which can open the door to lower interest rates and increased credit limits. Your credit score is an important tool for securing your financial future!
www.BoulderCountyHC.org · 720.564.2279
Need Help Filing Your Taxes? If you earn less than $54,000 per year, you may qualify to have your taxes done for free through Tax Help Colorado. The program helps ease the burden of commercial tax preparation costs on low-wage earners and connects residents to valuable tax credits. Free tax sites, known as Volunteer Income Tax Assistance (VITA) sites are located across the state.
Taxes filed for free in 2017
$14.4M Claimed in tax refunds
Saved in commercial tax preparation fees
Visit GaryCommunity.org/piton/tax-help-colorado for a list of VITA locations near you.
Ugh, we just said the dreaded B-word! Yep, that’s right, budget. Don’t let this little word make you cringe, follow the 50/20/30 rule and help keep your finances in check. 50% of Your Income = Essentials Your essentials are things that you have to pay, no matter what. Things like housing, food, transportation, utilities, and minimum payments to your credit card(s). All of those things add up quickly - see if you can keep them to 50% of your income.
The 50/20/30 Budget
Personal 20% of Your Income = Savings Dedicate 20% of your take-home pay toward savings. Include your savings plan(s), extra payments to help pay down debt, and some rainy-day funds. This category should be paid after you’ve taken care of your Essentials. Don’t even think about moving on to your Personal spending until your Savings is tucked away in the bank or you’ve made an extra debt payment (or two!).
30% of Your Income = Personal Your Personal expenses includes things such as your cell phone plan (while having a cell phone could be deemed essential, the type of plan you have is personal), cable television, gym memberships, going out to eat, and entertainment like going to the movies or a concert. Keep in mind, the fewer costs you have in this category, the more progress you’ll make paying down debt and securing your future. For more information about the 50/20/30 Budget, visit https://blog.mint.com/saving/the-minimalist-guideto-budgeting-in-your-20s-072016/
The Low-Down on Credit Cards Thinking about getting your first credit card? How do you do it? Let’s start here: what is credit? Credit is used by lenders to determine if they should lend to you or not and how much to charge you. The better your credit, the better your terms with the lender. A credit card can be a good way to build credit if used correctly. Here are some tips: »» Only use the credit card for purchases that you would need to make anyway, such as a phone bill or gas. »» Every credit card has a limit, such as $500, $1000 or even $10,000. Never spend more than 30% of your limit. »» Pay off the card completely every month. Using your card and paying it off completely each month before the due date will not only build your credit, but it will also mean that you don’t pay interest on whatever you bought. You can inquire about a credit card at your local bank or credit union. If it is your first card, sometimes they ask for a savings deposit in exchange for giving you a credit card. They will hold your deposit for several months until they see that you are paying your credit card bill. Then they can give your deposit back. Remember, it lowers your credit score anytime you apply for a credit card so apply for only what you need! When applying for a card, here are a few things to ask: »» Is there a yearly fee? Often, the fees add up and do not offset the benefits. »» What is the Annual Percentage Rate (APR)? The APR is the interest rate you’re charged if you don’t pay off the balance each month. »» What is my credit limit? Keep in mind, you wouldn’t want to spend more than 30% of that limit. Questions? Schedule a free, confidential, one-on-one appointment with a certified Boulder County Financial Coach by calling 720.564.2279 or visiting them online at BoulderCountyHC.org 19
FACTS ABOUT STUDENT LOANS
Total student loan debt in USA
Average debt per student borrower in Colorado https://www.usatoday.com/story/money/personalfinance/2017 /04/28/average-student-loan-debt-every-state/100893668/
Late on Your Loans?
A poor credit score can lead to...
1 day late - loan is considered delinquent 90 days late- delinquency is reported to credit bureaus (which can lower your credit score) 270 days late- loan is consicered in default
Difficulty obtaining car loan, credit card, or mortgage
Trouble getting a cell phone plan or renting an apartment
The Effect of College Debt on Behavior 40%
Delayed a major purchase, such as a car or home
Moved in with parents or family members to save money
Took a second job to help pay bills
Delayed marriage or another committed relationship
of college grads would have been more careful about selecting a major
Stone et. all. Chasing the American Dream: Recent College Graduate s and the Great Recession, Rutgers University, May 2012.
Paying off Your Loans Faster Will Save you in the Long Run!
Stone et. all. Chasing the American Dream: Recent College Graduates and the Great Recession, Rutgers University, May 2012.
$10,000 in Federal Student Loans
$24,841 in Federal Student Loans
$40,000 in Federal Student Loans
Interest Paid (at 4.45%)
Interest Paid (at 4.45%)
Interest Paid (at 4.45%)
4 years, 8 months
14 years, 9 months
30 years, 6 months
1 year, 6 months
6 years, 5 months
Scholarship and Free Application for Federal Student Aid (FAFSA) Assistance
Stressed about money? Not sure how to make ends meet?
The Educational Opportunity Center of Colorado (EOC), is housed out of the Community College of Denver, however their services are open to the public.
Boulder County Housing & Financial Counselors offer expertise in:
The EOC provides the information and assistance with: »» Accessing higher education »» Planning and assisting with the completion of admissions and financial aid applications »» Exploring career options »» Financial literacy »» Scholarship searches You can meet with an EOC representative at the St. Vrain Hub in Longmont. To schedule an appointment, please contact the Longmont WfBC front desk at 720-864-6600. To learn more about the EOC and their services, visit them online at https://www.ccd.edu/org/educational-opportunity-center
College Opportunity Fund (COF) The College Opportunity Fund (COF), created by the Colorado Legislature, provides a stipend to eligible undergraduate students. Eligible undergraduate students must apply, be admitted, and enroll at a participating Colorado institution. Both new and continuing students are eligible for the stipend. Students who do not apply will be responsible for the full amount of in-state tuition (student share plus the state's share). Qualifying students may use the stipend for eligible undergraduate classes. The stipend is paid on a per credit hour basis to the institution at which the student is enrolled. For the 2017-2018 school year, the tuition stipend equals $77.00 per credit hour for students attending a participating Colorado public college or university. Students that attend a Colorado participating private university receive $39.00 per credit hour for the 2017-2018 school year. The amount of per credit hour funding is set annually by the Colorado legislature. Each eligible undergraduate student can receive stipend funding for up to 145 credit hours. Certain exceptions may be made to the credit hour limit if a waiver is granted. Visit CollegeInColorado.org for more information or to apply for the College Opportunity Fund.
Consider a Financial Check Up!
Individualized financial capability »» Gain control of your money »» Build savings »» Create and maintain a spending plan Debt reduction options Credit improvement and reports »» Get your report at no cost or negative effect and find out what it means Student loans and repayment programs »» Find repayment plans that fit your income »» Get out of default »» Loan consolidation »» Loan forgiveness and deferment programs The home buying process »» Loan options »» Home affordability »» Debt to income ratio »» Assistance programs »» Loan document review Safe banking Within 3 months of meeting with a BC Financial Coach, folks reported that:
Improved their credit
Increased budget surplus Housing & Financial Counseling www.BoulderCountyHC.org · 720.564.2279
Housing Quick Reference Complete this list and keep it handy when you’re searching for a rental. It might help ensure you find the right home for you! I can Comfortably Afford to Pay $ Per Month in Rent My Housing
Potential Rental Screening Checklist Safe Fits within my budget Meets my needs Is in good condition Landlord is open and honest Lease is aligned to my time line On-site property manager Close to school, work, friends/family Accessible to public transportation Near social or recreational activities Other
Questions to Ask a Potential Landlord
Is Too Good to be True? Could This Rental be a Scam? 22
Housing Visioning Your Future Home What are your personal needs and wants when it comes to finding a place to live? Do you have a specific location, type of home, timeline, or other characteristics in mind? Here are a few topics to get you thinking about your future home. Location What do you want to consider when picking the city in which you will live? How about the neighborhood or community? Is your future home: »» In a safe neighborhood »» Within commuting distance to work or school »» Easily accessible to public transportation and/or bike trails »» In close proximity to grocery stores, shopping, gas stations, and local services »» Conveniently located to outdoor recreation such as parks, athletic courts, and/or hiking trails Type of home Apartment, mobile home, townhome, or single family homes, oh my! Here are some things to consider when determining what type of home you’ll look for. »» Number of bedrooms »» Outdoor upkeep »» Storage »» Parking Timing How long are you planning on staying in your new home? Do you want the security of an annual lease or the flexibility of month to month? Will there be changes in your work or schooling which would require you to relocate? Are you planning on starting a family soon? Other Considerations Thinking about your current and future needs, do you: »» Require accessibility features such as a wheelchair ramp, lower cabinets/counter tops, and/or bathroom modifications »» Have a service or companion animal »» Have a pet There will be rules in the lease regarding pets. You should also consider any homeowners association bylaws, and city codes regarding pets. Will your neighbors have any concerns about your pet?
Finding Your Next Home
Avoiding Online Rental Scams
Where to Look If you are comfortable searching for your next home online, try Craigslist, Rent.com, Apartments.com, Zillow.com, and Housing Helpers to see what’s available. Be sure to check out the section on avoiding online rental scams (right) to protect yourself.. If you aren’t comfortable with an online search, go old school by checking out the newspaper. Prefer a “boots on the ground” approach? Visit the neighborhood(s) you like to see what’s available. Letting your friends and family know that you are in the market for a rental can help you have additional eyes and ears out in the community.
There are a numbers of ways that people try to scam prospective renters online. Just a few simple precautions can save you from getting ripped off, however:
Tips when visiting potential rentals Call at an appropriate hour, be courteous and friendly, be flexible with scheduling, and show up on time. Don’t go alone! Bring someone with you for safety and perspective purposes and be sure to let others know the address of where you will be and the name and contact information of the person you are meeting. Walk Throughs When you go to check out a potential home to see if it’s the best fit for you, keep in mind that the landlord is going to be checking you out too. Be sure to ask a lot of questions while you’re there. Not only will you learn more about the rental, but you’ll get a sense of what the landlord is like. Be prepared to answer any questionable items that might come up on your application, such as credit blips, past/no rental history, or criminal record. Don’t over-share, your potential landlord has heard it all before. Just be professional, factual, and objective. Asking open-ended questions about the rental will allow for the landlord to speak freely and provide additional information he/she might not otherwise tell you. Some questions to ask your potential landlord might include the following: »» What is the community around here like? Will I be a good fit for this rental? »» Is there a property manager on site to help address maintenance issues and other concerns? »» Can you clarify the rent, deposits, and cost of utilities? »» Are there any deposits or non-refundable fees, and what are they for? Check out this article for more helpful questions you can ask a potential landlord. Landlordology.com/20-revealingquestions-renters-landlords/
Beware of anyone who wants to rent a place sight-unseen. No one expects you to move into a rental you’ve never laid eyes on; if you aren’t allowed to see it first, it probably doesn’t exist or there’s something wrong with it. Don’t give out personal information, especially online. True, that moment will come where you have to write you SSN on a rental application but until then keep your financial information to yourself. Don’t wire money to anyone. Did you read the part about not renting a place until you know it exists? Why would you pay for a castle in the sky? Pay close attention to the landlord’s behavior. Is the landlord being pushy and really wanting to rent to you? Is the landlord dismissing the need for a rental application or signed lease? A legitimate landlord doesn’t cut corners. Never accept overpayment for anything. This is more often an issue for managers than tenants, but regardless, if someone sends you more money than is required and then asks for you to write a check for the difference, it’s a scam. Beware of any renter located outside the country. There are many foreign email scams. In general, if someone is trying to rent you an American property from outside the country it’s a scam. Ultimately, listen to your gut. Does it feel wrong? Another way to look at it: if it seems too good to be true, it PROBABLY IS. 23
Signing a Lease Whoa, have you ever read a lease? It’s a lengthy, complicated, and a legally binding document which needs to be reviewed carefully. Be sure to ask questions to ensure you understand exactly what you’re signing. It may be a good idea to ask a trusted friend or family member to review the document before you sign it. Breaking or failing to comply with your lease can have negative impacts on your credit and rental history, so be sure you understand exactly what you’re agreeing to. Check out a sample lease by visiting https://www-static.bouldercolorado.gov/docs/bouldermodellease-1-201710111622.pdf Communication is Key! Communicating with your landlord is a key to your success and happiness while you are living in their property. Use your landlord as your first point of contact for major neighbor issues/complaints, to report dangerous or destructive activity on the property, for maintenance concerns, and for questions involving your rent. Be aware of how often you are calling your landlord. Ask yourself if the issue is something you could work out with your neighbor? Should you be calling maintenance instead? If you are having problems communicating with your landlord, most cities offer tenant/landlord mediation services. You can ALWAYS document your interactions with your landlord in writing if you wish. Meet your neighbors. Know who you can go to in case of an emergency or to get your mail. Keep noise levels at an acceptable level-especially at night. Maintain the outside appearance of your unit (as well as the inside!). Stay out of neighbor “drama” and gossip. Communicating with your neighbors can be difficult. Proactive communication is key. Be friendly, but exercise good boundaries. If you run into problems, use resources such as your landlord, or if situations escalate, call the police.
Have a discussion with your landlord about safety issues such as lead paint, radon, smoke and CO detectors. If you have questions about health related issues caused by your home, contact your local Public Health office.
Moving Checklist Below is a sample moving checklist to get you thinking about everything you need to do to get ready for a move. If your moving timetable is shorter than the one in this checklist, don’t panic! Just use this list as a guideline to keep you on track and adjust the weeks to match your time line. Eight weeks before your move FF Set up a moving file or notebook to keep all of your moving information in one place. FF Calculate the costs of your move and set up a moving budget. FF Check your current apartment lease to see how much notice you need to give to move out. FF Finalize move-in details with your new apartment. Ask if there are any move-in regulations or special parking arrangements you have to make for moving day. FF Contact your insurance company to arrange for renter’s insurance at your new apartment and set a date to cancel your current policy after you move out. FF Make a list of who to notify about your move and when. This list should include friends, creditors, doctors, schools, your current employer(s), and any church or professional organizations to which you belong. FF Start gathering moving supplies and moving boxes. FF Give notice to your current apartment. 24
Four to five weeks before your move FF Begin packing your belongings starting with the items you use less frequently. FF Donate or throw away items you don’t need. FF Start using up household items, such as frozen food or detergent, that you will not want to move. FF Hire movers or arrange to rent a moving truck. FF File a change of address form with the United States Postal Service. FF Call your utility providers and make arrangements to have your utilities canceled after you move out. Two to three weeks before your move FF Make a meal plan that allows you to use up food in your refrigerator, freezer or pantry. FF Review your lease agreement to see what kind of cleaning is necessary when you move out. FF Set up your utilities at your new apartment. Utilities to set up may include phone, power, water and satellite/cable television. FF Create a cleaning checklist The week of your move FF Clean your apartment and prepare it for the check-out process. FF Make a box of cleaning supplies to keep handy if your new apartment needs cleaning. FF Pack the essentials you will need shortly after you move in a Priority Box. FF Pack the clothes, toiletries and personal items you will need in the days following your move in suitcases. FF Arrange and conduct your apartment check-out walk-through. It’s important to be present at the checkout walk-through to discuss any issues and make arrangements regarding your security deposit. Moving Day — Leaving your old place FF Finish any last minute packing, remembering to put any items you will need right away in your Priority Box. FF Perform any last minute cleaning, and take out the trash. FF Set aside any boxes/items that require special care and might need to be moved separately in a car. It is also a good idea to move any personal bags, suitcases, and your Priority Box separately so you can get to any items you might need immediately. FF If you are moving out of an apartment, talk to your apartment manager to see if you can reserve a space for your moving truck. FF If you are moving yourself, pick up your moving truck and any moving accessories. Inspect the truck to make sure it is in good condition and that you have all the accessories you need. Make sure to pay attention to all the conditions you have to meet before you return the truck. FF If you are moving yourself, load your rental truck carefully. Load the items you will need right away last so they can be unloaded first. FF Do a final check of your old residence making sure you aren’t leaving anything behind. FF Turn off all lights, and turn off the thermostat. FF Make sure that all doors and windows are locked. FF If you are leaving an apartment, sign any final paperwork, perform any necessary final walk-throughs and turn over your key. Get a copy of any final paperwork for your records. Make sure to give your former management company your new address so they know where to send your security deposit. Moving Day — Moving into your new apartment FF Check in with your apartment manager to perform an apartment walk-through and get your apartment key, if you have not done so already. If you have made any special move-in arrangements, confirm those details with your apartment manager. FF Check to make sure the necessary utilities have been hooked up. FF If you are moving yourself, unload your belongings off your moving truck. FF If you are moving yourself, perform any necessary tasks before returning your rental truck. FF Unpack your priority box and set up any furniture you will want to use that day, such as beds, chairs, etc. 25
Financing a Furry Friend Thinking about getting a pet? Sure, the snuggles and cuddles are free, but what about everything else? Here’s some helpful information we found on Mint.com about the costs associated with having a pet. Read the full article here: https://blog.mint.com/consumer-iq/financing-your-furry-friend-infographic-062415/ Adoption Fees Shelters and humane societies help keep the animals in their care happy and healthy with limited resources. Adoption fees help offset the cost of the animal’s care and can vary from place to place. For a dog, you can expect to pay anywhere from $0 to $250 or more. Adoption Fees Help Cover the Following:
Spaying or Neutering
The Cost of Companionship The cost of companionship doesn’t stop at the adoption fee, there’s the cost of spaying or neutering, other medical needs, a collar and leash, as well as a crate or carrying case. Here’s a breakdown of the some of the costs and special first year expenses of owning a pet. Approximate First Year Costs
Large Dog $1,980
Approximate Annual Costs · Each Paw Print Represents $25.00 $125 $125 Food
$150 (depending on the breed) $200 $400 Grooming $150 $200 $250
Vet Costs $175 $225 Pet Insurance
Want to have a furry friend without all the responsibilities of having a pet? Visit your local human society/animal shelter and inquire about volunteer opportunities!
U. S. Department of Housing and Urban Development
EQUAL HOUSING OPPORTUNITY
We Do Business in Accordance With the Federal Fair Housing Law (The Fair Housing Amendments Act of 1988)
It is illegal to Discriminate Against Any Person Because of Race, Color, Religion, Sex, Handicap, Familial Status, or National Origin In the sale or rental of housing or residential lots
In the provision of real estate brokerage services
In advertising the sale or rental of housing
In the appraisal of housing
In the financing of housing
Blockbusting is also illegal
Anyone who feels he or she has been discriminated against may file a complaint of housing discrimination: 1-800-669-9777 (Toll Free) 1-800-927-9275 (TTY)
Previous editions are obsolete
U.S. Department of Housing and Urban Development Assistant Secretary for Fair Housing and Equal Opportunity Washington, D.C. 20410 form HUD-928.1 (2/2003)
Fair Housing Everyone has a right to equal access to the housing of their choice. The Fair Housing Act is a national law that was created to put an end to discriminatory practices in any activities related to housing. While Fair Housing is required for all states, protected classes – group of people qualified for special protection by a law - vary from state to state. In Colorado, it is against the law for a landlord or seller to discriminate against potential renters or buyers due to their race, color, religion, creed, national origin/ancestry, sex, disability/handicap, sexual orientation (including transgender status), marital status, and familial status (children under the age of 18 and/or pregnant women in the household). If you believe you are a victim of housing discrimination, you have a right to file a complaint with the U.S. Department of Housing and Urban Development (HUD) by calling 800-669-9777 (TTY: 800-927-9275) or visiting HUD.gov.
Housing Resources in Boulder County Attention Homes Longmont Down Payment Assistance Program 1443 Spruce Street, Boulder 350 Kimbark St, Longmont Phone: 303.447.1206 Phone: 303-774-4648 AttentionHomes.org Provides down payment and closing cost assistance Serves at-risk youth; offers shelter, community-based to first-time homebuyers purchasing a home in living and teaching of life skills necessary for an Boulder County (outside of the city limits of Boulder); independent future Longmont Housing Authority Boulder Housing Partners 4800 North Broadway, Boulder Phone: 720.564.4610 BoulderHousing.org Housing authority for the city of Boulder; provides affordable rentals, market rate rentals, and public housing within city limits
City of Boulder Homeownership Program & Grants 1300 Canyon Blvd., Boulder Phone: 303-441-3157, option 2 Promotes homeownership through three programs: Permanently Affordable Program, Downpayment Grant, and Downpayment Loan Habitat for Humanity 1455 Dixon Ave., Lafayette · Phone: 303.447.3787 FlatironsHabitat.org 1833 Sunset Place, Longmont · Phone: 303.682.2485 StVrainHabitat.org Provides homeownership opportunities for families through the concept of “sweat equity”
1228 Main Street, Longmont Phone: 303.651.8581 LongmontHA.com Housing authority for the city of Longmont, offers housing & related services to low/moderate income, elderly and disabled households
Thistle Community Housing 6000 Spine Road, Suite 101, Boulder Phone: 303.443.0007 ThistleCommunities.org Provides below-market rental and homeownership opportunities to low- and moderate-income households Thinking about purchasing a home? Attend our free homeownership training class or schedule a confidential, one-on-one appointment with a certified Boulder County Financial Coach by calling 720.564.2279 or visiting them online at BoulderCountyHC.org 27
Did you know? Affordable living is spending less than 30% of your income on housing and less than 15% on transportation. With every $1 saved on housing by moving further away, you end up spending 77 cents of that dollar on transportation. You can visit htaindex.cnt.org to discover how much H+T Costs are in your neighborhood.
should equal no more than
of your monthly income
Getting Around Town Want to save money on transportation? Want to save time, money and your sanity? Consider taking public transportation, riding your bike, or carpooling. This section will help answer questions you might have about how to get around town. Why Use Public Transportation? 1. Show me the money! Think of how much you will save...or better yet, check out the table to the right, we’ll show you how much! 2. Stay connected! You can text, tweet, snap, and pin while on the bus. 3. Transit users take 30% more steps per day than people who rely on cars. Make sure your fitness tracker is charged and get ready to rack up all those steps! 4. Avoid the hassle and cost of parking. 5. Reduce your carbon footprint. Find out how big your carbon footprint really is by using the Environmental Protection Agency Carbon Footprint Calculator: epa.gov/carbon-footprint-calculator/ How much $ can you save by using public transportation? Let’s do the math: Type of Expense Cost per Month* Fuel $120 - 135 Maintenance Repairs Taxes and Fees Insurance Parking Depreciation Total Savings RTD Unlimited Regional Pass
$40 - 110 $30 - 55 $10 - 60 $140 - 160 $10 - 100 $50 - 80 $400 - 700 $171**
That’s $2,400-$8,400 a year! *based on edmunds.com True Cost to Own Tool **Full fare price. Assistance programs may offer free or up to 50% off passes
Download Transit App. Schedules. Maps. Departures. All in real time. 28
Regional Transportation District (RTD) Payment Options RTD offers many simple and convenient ways to purchase fares and passes. You can purchase fares with cash (must have exact change if purchasing on the bus), day or monthly passes, a 10ride ticket book, load your MyRide Card, and/or use the RTD Mobile Ticketing App. For more information about the Mobile Ticketing App, please visit RTD’s website: https://www.rtd-denver.com/mobileticket.shtml Transit App Download the Transit App from the App Store or Google Play for real time schedules, maps, and departures.
Adding Multi-modal Options to Your Daily Commute Transportation modes such as biking, walking, and taking the bus can help you save on parking, vehicle maintenance, and fuel. Riding a bike or walking is good exercise and beneficial to your overall well-being. Transit riders take approximately 30% more steps than those who chose to drive. You can avoid spending $400-$700 per month on a car by choosing one or more of the modes below.* Amount shown is an example of how much you’re likely to spend per month on riding a bike, taking local transit, joining a vanpool or a car sharing service in Boulder County. Bike Transit WaytoGo Vanpool eGO CarShare
*Averages per month based on organization data and research.
Instead of Driving, Bike and Bus to Work or School Securing your bike to the front of an RTD bus may be intimidating the first time round, but don’t worry, it’s not as hard as you might think. Follow the simple steps below and ask the driver if you have any questions. Just a heads up, bikes are not allowed inside the bus. Squeeze Up
Ride a Bike! Bicycling is a great way to stay healthy and active and save money on transportation costs. We have a wonderful bike network here in Boulder County, and have recently introduced new ways to combine biking with transit trips. Boulder County and local municipality bike maps can be found at government offices, recreation centers, libraries, and bike shops. Bike Safety Tips: • Use bike lights at night. The City of Boulder, Boulder County and some Police Departments have bike lights free of charge. If possible, use a white light facing forward & a red light facing backward – same as car lights. • Take a bike maintenance class to learn to change a flat tire and maintain your bike. Community Cycles in Boulder and Chain Reaction in Longmont offer bike maintenance classes. • There are over 30 local bike shops in Boulder County that can service your bike to ensure it’s safe to ride.
Bike Share Bike Share is a short-term bike rental which allows people to borrow a bike from point A and return it at point B. The bike sharing systems in Boulder and Longmont allow users to check out a bike using a smart phone app.
Ride any bike for a short trip Return the bike to any station Repeat until your pass expires
It’s as easy as Ride, Return, Repeat. Want a Bike of Your Own, but Can’t Afford One? Community Cycles has an Earn a Bike program for income-qualified participants. $20 and two volunteer shifts earn you a refurbished bike. Walking Walking is not only good for the environment, it’s good for your health too. Walking improves your posture, tones muscles, helps with weight loss, gets your blood pumping, and with over 300 days of sunshine a year, on average, you’ll get a dose of healthy vitamin D too! Walkscore.com can help you see what kind of transportation access you have in your neighborhood. The website shows the walkability of your neighborhood, transit access, commute times, and more! Check out this example (right) of a neighborhood in Longmont. 30
Important Safety Contact Numbers Boulder County Sheriff (non-emergency) Ride-Hailing (Lyft and Uber) Ride-Hailing companies, such as Lyft and Uber can connect passengers to affordable and convenient rides. You can request a ride in their app, and a driver will arrive to give you a ride to your destination.
303.441.4444 Boulder Police Department (non-emergency)
303.441.3333 Child Abuse Hotline
303.441.1309 Longmont Emergency Unit Boulder County Mobility for All The Boulder County Mobility for All program can help connect you with organizations and resources throughout our community to help you reduce your transportation costs. Contact them by calling 303.441.3900 or visiting BoulderCountyTransportation.org for more information.
303.776.6180 Longmont Police Department
303.651.8555 Louisville Police Department (non-emergency)
303.441.4444 Affordable Transportation Resources • Boulder County Transportation: (303) 441-3900 • RTD Website: RTD-Denver.com • WaytoGo Carpool and Vanpool: WayToGo.org • VanGo Vanpool: VanGoVanpools.org • eGo Carshare: CarShare.org • Bike-n-Ride Shelter: BusThenBike.com • Boulder B – Cycle: Boulder.BCycle.com • Longmont Bike Share: https://www.LongmontColorado.gov/departments/ departments-n-z/transportation/modes-of-travel/bicycling • Community Cycles: CommunityCycles.org • Chain Reaction: ChainReactionCo.org • Transit App: TransitApp.com Helpful Tip! Ask potential employers if they offer any transit assistance programs, which could save you more than $8,000/year! Many employers in the region provide EcoPasses to their employees, including all Downtown Boulder businesses.
Mental Health Partners
303.443.8500 Poison Control Center
800.222.1222 MESA Rape Crisis Hotline
303.443.7300 Safehouse Progressive Alliance for Nonviolence Crisis/Counseling Line
303.444.2424 Suicide Prevention Line
In the event of an emergency, dial 911. 31
Family & Children Services
Education & Skill Building
Want to learn more about Boulder County Housing & Human Services and the work we do? Check out our Building a Community of Hope Report at www.BoulderCountyHHS.org
Contact us: Email:
Phone: 303-441-1000 Benefits: 3460 Broadway, Boulder 515 Coffman, Longmont
www.BoulderCountyHHS.org Follow us on social media. Facebook.com/BCDHHS and Twitter: @bouldercohhs