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Can I Get Life Insurance After Testing Positive For COVID-19?

Though not the most pleasant of thoughts, the ongoing COVID-19 situation has a lot of us thinking about mortality and how our death may affect those around us. For those of us who have dependents or relatives, their risk of financial burden due to our passing is of considerable concern. This realization is often the first step in obtaining life insurance as a safety net for our families.

A life insurance policy is a contract between an insurer and a policy-holder, where a designated beneficiary receives funds from the insurer upon the death of the insured. Life insurance is paid for by a one-time or recurring premium, usually by the policy-holder. These premiums are calculated based on several factors, including family and personal medical history, body mass index, and mortality tables, which show the expected lifespan of people of different ages.

When it comes to life insurance, although most people qualify for some level of coverage, pre-existing conditions can and do affect premiums, and in some cases can result in denial of coverage. With news coming out that some insurance companies are moving to exclude payouts for customers who die of coronavirus, many of us are left pondering: can I get life insurance after testing positive for COVID-19?

Those already covered by a life insurance policy can rest assured that a COVID-19 related death will be covered. Although exclusions are common in life insurance policies, a provider cannot alter the conditions of an existing policy due to a worldwide pandemic. For those who are in the midst of an application process or who have not yet pursued a life insurance policy, things are a little more complicated. 

Like all insurance, life insurance is all about risk. Insurance providers determine premium amounts based on the amount of risk the insured presents to their business. The greater the risk posed, the higher the premium, which is why buying life insurance at a younger age as opposed to older is so often recommended. If someone who hasn’t yet applied or is in the process of applying for life insurance poses a significant risk to the insurer, they may choose to postpone the application until the applicant recovers or deny coverage altogether.

For example, life insurance companies may postpone application approval if the applicant has recently traveled to certain COVID-19 “hot spots”, or if they share a household with someone who has. Initially, these hot spots were limited to countries like China, Italy, and South Korea, but given the widespread presence of the coronavirus all across the world at this point, that list has grown substantially.

Another risk assessment tool utilized by providers is a statement of health, a document in which the applicant answers questions about their medical history and current health. Although a statement of health does not require a doctor’s visit, a provider may require a medical exam depending on the answers given (medical exams are common requirements in life insurance policies). Were the exam to conclude that the applicant is infected with a potentially fatal virus, it would surely have an effect on the insurer’s decision.

Likewise, if someone who thinks they are sick and is displaying symptoms of the flu or some other potentially life-threatening disease lies about their health to the insurer, it probably won’t bode well. Life insurance policies have a contestability period during which any attempts at fraud are investigated, and if evidence of such is found, beneficiaries may never see any of the payout.

While delay or denial of coverage does happen, there are often other options or alternative policies that can be explored when looking for life insurance. There are lots of life insurance companies, all with varying policies, so while you may be rejected by one company, you probably have a chance at being approved by another.

In addition, some providers offer temporary life insurance, which provides coverage in the event an applicant dies during the approval process. Underwriting takes time in applying for life insurance, up to several weeks, and usually requires third party participation. A global pandemic like COVID-19 throws a lot of wrenches into this process, particularly with lockdowns and shelter-in-place orders occurring. With temporary life insurance, approved applicants are considered covered before their primary life insurance kicks in, sometimes with the same level of coverage.

Another option to consider to speed up the application process is applying for accelerated underwriting. Young, healthy applicants with up-do-date medical records are the best candidates for this. However, although accelerated underwriting may guarantee coverage quicker, it may result in a lower coverage amount.

Life insurance is a way of ensuring some level of provision for our loved ones, but it’s sadly overlooked–often by the people who could benefit from it the most. The unfortunate reality is that the COVID-19 outbreak is not over, and could endure for weeks to come. For many of us who previously never considered life insurance, it may be the best indication thus far for us to do so.

The Importance of Estate Planning During These Uncertain Times

The coronavirus pandemic has created a state of fear and anxiety for millions of people, for obvious and expected reasons. Currently, the crisis has halted much of the economy, leaving those of us who aren’t directly dealing with the disease or on the front lines in the fight against it ample time to consider the ramifications and what’s to come. 

As many of us hunker down in our homes, whether by governmental mandate or simply as a precaution to ourselves and others, we’re left thinking about the present situation and how it might affect us or our loved ones. No one wants to consider the worst, and although the COVID-19 death rate is less than 1.5% in the US at the time of this writing, the inevitable fact of the matter is that more Americans will die before this is over.

We all have our personal philosophical views on death and where, if anywhere, it will lead. One thing that we know for sure it will lead to is our loved ones being deeply emotionally affected. For those of us who have brothers, sisters, dependents, or relatives who could otherwise benefit from our assets once we’ve passed, most of us are happy to hand down that in which we no longer have any worldly interest.

What some of us might not know, however, is that passing our estate over to our loved ones is not as cut-and-dry as it may seem. Should a dispute rise out of a tragic situation, we won’t be there to mediate between our emotionally distraught beneficiaries, and we won’t be there to clarify our direct wishes to any attorneys. That’s why it’s imperative to devise an estate plan before we pass on, to ensure that our desires are fulfilled exactly as we intend them to be.

Despite the importance of having an estate plan, the number of people who have one is decreasing. A recent survey of 2,400 American adults found that 25% less people have a will or other type of estate plan today than three years ago. Amongst older adults, the number drops to 20% in just the past year, which is substantial given the increasing necessity of an estate plan as we age.

Although estate plans overall may have decreased in the past few years, the COVID-19 outbreak may shift this trend. Many estate attorneys are already seeing an uptick in calls regarding wills, trusts, and powers of attorney–three basic provisions in an estate plan.

A will is the most common, simplest, and most recommended document to have in an estate plan. Without it, your estate is left up to the probate courts, which is time-consuming, complex, and expensive. Laws for drafting and signing a will vary based on jurisdiction. In Colorado, a will must be signed by two witnesses and handwritten or typed; oral or nuncupative wills are not permitted.

A trust is like a will in that it involves transfer of assets, but it offers more control over them while the trustor is alive at the expense of being more costly than a will. A living revocable trust allows the trustor to maintain ownership of assets while they’re alive and transfer control of those assets to a third party of their choosing upon death. Trusts are often utilized as tools to pass assets along without probate court intervention.

Power of attorney involves written authorization for someone to act on your behalf after you die. In an estate plan, power of attorney can be given in either a financial or a medical capacity, allowing you (the grantor) to decide who makes decisions (the agent) in these areas upon your death. It’s important to note that the granted power of attorney should be durable, meaning the agent would be authorized to act on your behalf should you become incapacitated.

In living our day-to-day lives, those of us fortunate enough to be healthy may not feel the need to consider the consequences of our death to our loved ones. It’s not the most cheerful thought, after all. Nevertheless, if there’s anything to be learned from the current state of affairs in the world, it’s that a little precautionary action–even on an extreme scale–can prevent a lot of hardship down the line, even if we won’t be around to experience it. A properly drawn-out estate plan can give you peace of mind knowing that control of your estate is in your hands, or the hands of someone you trust.

To learn more about estate planning in Castle Rock, contact a Castle Rock estate lawyer today.

How to Disinfect Your Countertops

In light of current events, the subject of disinfection has been at the forefront of a lot of our minds. If there’s a silver lining in the COVID-19 crisis, it’s the hope that it will instill a higher standard of cleanliness across societies and shed light on the importance of taking actions to prevent the spread of germs.

While we may have already learned this lesson, the coronavirus pandemic that currently has much of the world on lockdown is far from over. As millions of people stay isolated in their homes, some of them are left wondering what extra steps they can take to reduce their chances of becoming infected.

The Center for Disease Control lists several recommended methods for preventing the contraction and spreading of COVID-19. In addition to hand-washing and avoiding touching of the face, which most people at this stage are well aware of, one way to protect against the virus that causes COVID-19 is by disinfecting frequently-touched surfaces such as sinks, door knobs, light switches, and of course, countertops.

While it doesn’t naturally occur to everyone to sanitize their door knobs or light switches, most people put at least some effort into maintaining a clutter-free and clean kitchen countertop. Kitchens are breeding grounds for bacteria and other germs that come from food waste, in the same way as bathrooms are for germs that come from our waste–and we typically find most countertop surfaces in those two areas of any given household.

Keeping your countertops clean is remarkably easy on a day-to-day basis, and you don’t need any fancy or expensive commercial products. Fresh spills and pieces of food that have not yet settled into a sticky, grimy mess can be cleaned effortlessly with warm, soapy water and a non-abrasive cloth or sponge. This will kill most bacteria and prevent more from forming.

Cleaning up messes immediately after they occur just seems like common sense. However, overtime–and especially in heavily-utilized kitchens–spots will be missed here and there. As countertops inevitably get dirtier, a thorough disinfection that goes beyond traditional dish soap becomes increasingly necessary to ensure a surface that is as free from bacteria as possible.

The CDC recommends two main disinfectants when it comes to countertop sanitization: diluted bleach and alcohol. Mix ⅓ cup of bleach with one gallon of water for an easy and effective solution. Alternatively, store-bought isopropyl alcohol with at least 70% alcohol content will kill pretty much everything it touches. In both cases, use of a spray bottle to efficiently distribute the cleaning solution can be handy. Allow the diluted bleach or alcohol to remain on the surface for three to five minutes, then rinse with water and wipe down with a dry cloth. 

While basic bleach and alcohol are the two most commonly-used household disinfectants, there are nearly 300 products listed by the Environmental Protection Agency as being effective against viral pathogens like SARS-CoV-2 (the virus that causes the COVID-19 disease). Most of these products contain bleach, alcohol, or hydrogen peroxide as an active ingredient, with some containing varying acids. It should be noted that while these products have not been directly tested against SARS-CoV-2, their proven ability to eliminate similar coronaviruses makes them plausibly formidable.

If you’re looking for a more natural approach to disinfecting your countertops, consider using vinegar and / or baking soda. Prepare two separate spray bottles of vinegar and hydrogen peroxide. Wash your counters with soap as you would normally, spray them with the vinegar, then immediately follow with the hydrogen peroxide. As the peroxide evaporates, the vinegar smell will dissipate, leaving your counters naturally fresh and clean.

Cleaning your kitchen countertops is easy, but remember that some countertop surfaces are sensitive to certain chemicals. Wooden counters, for example, don’t do well with bleach or Lysol. For these, it’s recommended to use white vinegar for cleaning. For tough stains, sprinkle some salt over the affected area and rub with lemon flesh to buff them out. Never use an abrasive cleaning tool such as steel wool or copper to clean countertops, as it will most likely scratch the surface.

Another technique you should consider to prolong the life of your countertops is regularly sealing them. Countertops should be periodically re-sealed to ensure that stains don’t penetrate the pores of the material and become permanent. Depending on how porous your countertop is, you may need to re-seal once a year or once every few months. Re-sealing will also make your countertops easier to clean day-to-day.
Whether your home has quartz, marble, wood, or granite countertops, regular and proper cleaning will ensure that your kitchen remains bacteria-free and looking great.

20% of All Consumers Have at Least One Credit Report Error—Here’s How to Fix It

Your credit is a critical feature of your overall financial well-being. Lenders use it to determine how much to charge in interest on a loan; potential employers and landlords may also have a look at your credit before making decisions that could significantly impact your life.

So, if there was a misrepresentation on your credit report, you’d want to know about it, wouldn’t you?

If you’re one of the one-in-five consumers in the United States who has at least one error on their credit report, chances are you’re going to want to do something about it. Thankfully, there are actions you can take to restore your credit, and they’re easier than you might expect. 

In this article, we’re going to list three important steps you can take if and when you detect an error on your credit report. 

Step #1: Gather all of the information you can from all three of the credit reporting agencies. 

Transunion, Equifax, and Experian are the ‘big three’ credit reporting bureaus in the United States. These three organizations are chiefly responsible for the credit information that is specific to your history in dealing with your debtors. If just one of these three companies obtains false or inaccurate information about your credit, then that’s all it might take for a loan to be denied or an application for employment to be declined.

As frustrating as this may be, you’re not without options. The first thing you should do if you notice an error on your credit report is to contact all three credit reporting bureaus and request a copy of your official credit report. 

It’s a common misconception that you have to pay for this information every time you need it. The truth is that every consumer can get a free copy of their credit report from each of the big three credit reporting bureaus, once a year, by visiting

After you’ve obtained all three credit reports, compare them side-by-side to see who has it right and who has it wrong. This will help to determine what next steps you should take. 

Look for things like: 

  • Loans or lines of credit that don’t belong to you
  • Inaccurate mailing addresses, contact information, or other identifying data
  • The same debt accounts listed multiple times
  • Old, closed credit card accounts that are listed as open or active
  • Anything else that looks ‘off’

If you do detect an error, check to see if it’s only listed with one of the bureaus or all three. Then, move on to step two. 

Step #2: File a formal dispute.

Filing a dispute with a credit reporting agency isn’t as difficult as it sounds. All you need to do is explain in writing what the error is and include supporting documentation. 

Thankfully, this can all be done online. The links you need for each of the reporting bureaus are below: 

Be sure to keep your communication professional and fact-based. Try not to ‘take it out’ on the credit bureaus—they’ll probably be less motivated to help you. 

It’s probably a good idea to get in touch with the company that is responsible for reporting the error. That could be an older bank you used to be with or a credit card company that you’re no longer a customer of. 

If your situation is excessively complicated or if you want some guidance in how to defend yourself in a credit report dispute, consider hiring a consumer rights attorney that specializes in dealing directly with the reporting bureaus.

Step #3: Keep meticulous records of everything, including dates and phone calls.

When it comes to protecting your credit worthiness, every potentially relevant piece of information could help you in the long run. Keep a physical file folder dedicated to resolving your credit reporting issues, and keep every bit of communication inside of it—include email responses, updated reports, and logs of all the phone calls you received and placed. 

By law, the credit reporting bureaus must take action within a determined time window after you’ve contacted them. Typically, this time window is 30 days. 

If you are ignored by Transunion, Experian, or Equifax, or if you’re not satisfied with the action they take to restore your credit, consider hiring a credit attorney to act on your behalf. 

By following the above-listed steps, you’ll be doing your part to ensure that your credit report is steeped in reality, giving you peace of mind and a brighter financial future.

Boy or Girl? The Differences Between 2D, 3D & 4D Ultrasounds

At Baby Zoom Ultrasound here in Colorado Springs, we offer multiple methods to determine the gender of your baby. The most popular option in determining gender is obviously through ultrasound because parents love actually seeing their babies. There are multiple packages that we offer at Baby Zoom Ultrasound that include determining the gender of your baby. We can determine the gender of your baby as early as 13 weeks and a lot of doctors offices won’t determine the gender of your baby until your anatomy scan and that’s because, at your anatomy scan, there is more than likely, a zero chance of the gender being determined incorrectly.

We do it early so that you’re able to find out the gender earlier than 16-20 weeks. If the baby has their legs crossed or is in a weird position to where we cannot 100% tell you the gender correctly, we have you come back the following week for that free re-scan that is included in most of our packages! So ultrasound is the best and most popular way to determine the gender of your baby here at Baby Zoom Ultrasound, but we also offer one other option.

Baby Zoom Ultrasound is one of the only offices in Colorado Springs that also offers a DNA blood test to determine the gender of your baby! We offer that option as early as 8 weeks! You can schedule an appointment to come in and a licensed phlebotomist will draw your blood here in our office and send it off to the lab that same day where they can determine the gender of your baby. This blood test does not include any genetics testing like your doctor will offer, just the gender.

This test is 99.6% accurate so if you’re really wanting to know the gender earlier on in your pregnancy, you can come into Baby Zoom Ultrasound and get this DNA test done! You can get these results in 1-2 business days depending on which package you choose. This is for all of those impatient parents (most of us) who possibly are having a gender reveal party! We have an option where you can get your results overnight or we have an option where you can get your results within two business days so either way, you’re going to get the results much sooner then if you were waiting for that anatomy scan!

What’s the difference between scans?

We get so many clients that ask “what is the difference?” Before scheduling their appointments. Well, I’m here to explain why Baby Zoom Ultrasound offers all three and what the difference is so that you’re well informed! First, let’s start off with 2D.

2D Ultrasounds

The definition of 2D is “two dimensional” so this is the preferred ultrasound method normally offered at doctor’s offices, but we use it as well to determine the gender of your baby. In terms easier for all of us to understand, I like to refer to two dimensional as “flat” and the images are black and white.

3D Ultrasounds

Now we move on to 3D which is the most popular option at Baby Zoom Ultrasound. This gives you a better look at your baby and their special little features that are forming as they grow and the definition of 3D means “third dimension”. So we are able to show you, in color, a more in-depth photo of your unborn child. Sometimes you can see their eyes opening and closing, the sucking of their thumb and maybe a small smile! Many doctors or OBGYN offices don’t offer 3D ultrasounds (unless you are high risk) because of the amount of time it takes so that is why it is the most popular option here at Baby Zoom Ultrasound. Now to the fun part!

4D Ultrasounds

The 4D ultrasound or “4th dimension” just means “movement” or “in motion”. We get to show you your 3D images in motion. So not only does Baby Zoom Ultrasound give you 3D still images to look at, but you also have the option to have a 3D/4D video taken of your baby moving and that’s when you can see your baby blinking or smiling! 

The earliest we at Baby Zoom Ultrasound do a 2D ultrasound would be around 8-10 weeks and the best time to get your 3D ultrasound done would be any time between 21 to 34 weeks, although that decision is completely up to you. Some mama’s love to see their baby floating around when they are really little and some like to wait until you can see facial features more distinguished on the screen or you can come in for multiple!

We love seeing mama’s come in throughout their entire pregnancies! 

Growing CBD Market Awaits FDA Rules

CBD is one of the fastest-growing health and wellness products in the country. Unheard of just a few years ago, it’s now common to find Organic CBD Oil and CBD products at your grocery store, doctor’s office, or your local gas station. CBD is soaring in popularity even though the Food and Drug Administration (FDA) could end CBD’s soaring sells with a few strokes of a pen. 

At first, only available in oils and tinctures, you can now find CBD in drinks, beverages, and a host of other products regulated by the FDA. According to baking industry resource Baking Business, functional ingredient sales of CBD in the US hit $185 million in the yearly period ending on August 11 of 2019. 

The surging market reports come as the FDA is deciding to do with the ubiquitous product. Though you can find CBD in many different types of products, CBD as a dietary supplement is not currently allowed by the FDA. “The FDA position, for now, is CBD cannot, absolutely cannot, be used as an ingredient” in a dietary supplement, food or beverage, said Todd Halpern, a partner with the law firm Venable L.L.P. 

The new ruling is a result of the FDA’s approval of a drug with CBD as the active ingredient. Because the drug was put through several clinical trials before being approved as an active ingredient, CBD oil cannot be treated as food or dietary supplement though enforcement is lax. “The FDA hasn’t really enforced this all that vigorously,” Mr. Halpern said. 

The surge in CBD’s use and popularity stems from the US Agriculture Act of 2018, which removed CBD and industrial hemp from the Controlled Substances Act. Despite the Farm Bill, CBD companies are wary of pharmaceutical companies stepping into the CBD arena. “It (the pharmaceutical industry) doesn’t want to spend billions of dollars in developing a drug and go through the regulatory process and then have a dietary supplement company come in and ride on its coattails into the market,” said Halpern. 

The wellness-focuses research firm SPINS points to three reasons CBD has skyrocketed: increased consumer awareness, an influx of new products and suppliers, and new large investments in the CBD world.

Kentucky Senator Mitch McConnell has added provisions as part of a Senate Agriculture Appropriations bill that could aid CBD manufacturers. The measure would encourage the FDA to issue a formal guidance pathway for CBD products until the agency can figure out a permanent status for CBD and a path to full legality for the existing CBD companies. 

Despite the murky FDA status, BDS Analytics doesn’t believe the bubble is likely to burst anytime soon. “We’ve concluded CBD and other cannabinoids will be incorporated into products that will become part of everyday consumption,” said CEO Roy Bingham.

Why You Should Care About USDA Organic Certified CBD Oil

Organic CBD Oil Designation - Why It Matters?

Within the last year, CBD Oil has grown massively as a product. It has too many uses to name, and thanks to the legalization of industrial hemp in late 2018, it boomed into existence. But with that boom came a lot of substandard, and potentially dangerous, Organic CBD Oil manufacturers. The key to avoiding some of the deeper pitfalls while buying your CBD Oil all revolve around USDA Certification.

Below, we’ll be explaining what that is, why it’s important, and other methods for making sure you’re buying from a reputable seller.

What Is USDA Organic Certification?

It’s a required certification for businesses that deal with organic material. This includes farms, processors, vendors, and handlers. The requirement is in place to make sure that the organic material, usually food but not always, that makes its way to the consumers is clear of certain dangerous materials. This can include pesticides and contaminants. This isn’t just limited to personal danger; the certification includes steering clear of certain materials that permanently damage ecosystems and the environment.

Why Does It Matter for CBD Oil?

With all of the guidelines that a certified party has to follow, you won’t have to worry about the quality of the hemp used for CBD Oil. With hemp, in particular, the quality of the soil is a major point of focus. Hemp is a type of plant that possesses a certain quality that makes it dangerous to grow in soil peppered with dangerous pesticides. In short, what this quality does is allow the hemp to filter out anything in the soil it’s grown in. That’s great for the soil; not as great for the hemp.

If it’s grown in an environment like that, the hemp can end up containing traces of the pesticides, or worse, that it had filtered out. This can make it dangerous for humans, and animal consumption.

Why It’s More Important Than Ever

With the upcoming regulations, making sure that CBD providers have that little USDA seal is more important than ever. A lot of providers have opted out of the lengthy and difficult certification process and chosen to sell without any kind of certification at all. Within that group, there are some who claim to be ‘Certified Organic’ without any kind of backing for the claim. In the upcoming year, it’s likely that any “Organic CBD Oil,
providers that aren’t certified, and thus have no chance of following the regulations, will no longer be allowed to sell.

Even if they try to get their certification belatedly, they will be unable to grow hemp in any soil that has been exposed to banned products within the last three years.

If that happens while your order is being processed, it could mean a loss of your product and the money you spent to get it. More than ever now is the time to verify that your providers are truly USDA Organic Certified, and not just making false claims. Look for the little seal.

Transparency In The Lab

Even beyond the USDA, there are certain things you can watch out for to make sure that your product is as high quality, and safe, as possible. There’s nothing better for safety and quality than transparency. Making sure that your CBD Oil is perfect means letting as many people have information about what goes on inside the lab as possible.

Finding a provider that has its own registered, thoroughly inspected lab is important. Finding one that has that and still sends their product out to be checked by a third party lab is where you find true quality.

The Complete Spectrum Of CBD Oils: Full-spectrum, Broad-Spectrum, & Isolates

What is CBD

The world of CBD, products are still a new and exciting one for many who’re just getting around to trying it for themselves. If there’s one thing that’s important for anyone new to CBD Oil to know, it’s the difference between full-spectrum, broad-spectrum, and isolates. These varieties are far from equal, and they can affect you in substantially different ways. Understanding them is a crucial step towards understanding what CBD really does for you and which products you’re best suited for. 

The Spectrum Of CBD Oils

To start, it helps to understand a bit about what CBD really is. Cannabidiol is just one variety of chemical compounds known as cannabinoids, which includes THC, CBD, CBN, and more. These compounds naturally interact with the body’s Endocannabinoid System, which is how they’re able to make a difference in so many ways. The endocannabinoid system allows cannabinoids to deliver their unique health benefits and each cannabinoid affects the system differently. It’s the balance between different cannabinoids that creates the CBD spectrum, which ranges from pure CBD to an overall mixture of everything derived from the cannabis Sativa plant it’s drawn from. 

CBD Isolates:

CBD Isolates

For those who want nothing more than pure, straightforward CBD, isolates are the way to go. These oils are the purest form of cannabidiol, with all other cannabinoids, terpenes, flavonoids, and other components removed during extraction. CBD can produce some pretty substantial benefits on its own, of course, but it isn’t usually as ideal as when it’s taken in combination with other cannabinoids and their related compounds.

Full Spectrum CBD Oil

Full Spectrum:

Almost the opposite of isolates, full-spectrum CBD oil contains everything that the cannabis Sativa plant can provide. This includes other cannabinoids such as THC, as well as various terpenes, flavonoids, plant parts, and other compounds. The main advantage of full-spectrum oils is that they produce what is termed the entourage effect. All the different compounds reinforce each other in a way that enhances the overall effect that each component can deliver. It’s for this reason that full-spectrum is regarded as the most beneficial form of organic CBD oil.

Broad Spectrum:

Sitting comfortably between the previous two, broad-spectrum oils provide a similar entourage effect as full-spectrum minus one crucial element. Essentially, they contain everything the cannabis Sativa plant provides except for THC, which is filtered out. Like isolates, this removes the risk of inducing any psychoactive effects, while still supplying a range of reinforcing chemical compounds for a more enhanced overall experience. 

The Bottom Line

There are various factors that can determine which form of CBD oil is suited to any particular individual. Some may prefer broad-spectrum for a fuller, more rounded experience without the THC, while for others a high enough dose of CBD isolate can do the trick. Still, there are some who will prefer having THC in their oil for the unique benefits it provides. Different bodies react to cannabinoids in different ways, meaning the ideal spectrum for one person can vary considerably from that of others. 

Premium Cannabinoid Wellness Online

Nuleaf Naturals has been a pioneer in the CBD industry since 2014, offering full-spectrum oils in both wholesale CBD and available for purchase online.

NuLeaf is committed to providing products that are natural, pure, and simple. Their oils are extracted using organic, sustainable-farming practices from their plants, third-party tested for the utmost quality, and contain no artificial ingredients or additives of any kind. Their vision is to pave a way for CBD to make a positive impact on the body and mind, helping people live a happier and healthier life.  

“Siri, How do I Start Saving for Retirement?”

Hey Siri

Wouldn’t it be nice if you could just ‘ask Siri’ where to start when saving for retirement? Apple’s voice-controlled personal assistant would process your question, use her search tool to sort through pages on the net and immediately proceed to spit out a garble of information for you to sort through.

But would she really give you the advice you need to get started? Probably not. Instead, it might be a better idea to have her look up a financial planner near you.

Blake Barnett, Partner/Senior Planner at FFG Retirement Counseling

Curious about my own financial wellbeing, I sat down with Blake Barnett, Partner, and Senior Planner at FFG Retirement Counseling to gather some information about my financial future.


“The way we approach taking control of your finances is breaking it down into three simple categories,” said Blake Barnett, Partner/Senior Planner at FFG Retirement Counseling. “First, there’s the money you need to access now; second, there’s money you want to be able to use in 10 years (Soon); and third, there’s the cash you want to put away for the long term (Later).”

Barnett and Partner, Sean O’Reilly, want to take the overwhelming feeling of organizing your financial ‘junk drawer.’ By taking steps to categorize your finances, they can gain a better understanding of where the money is and why.  “Then we can give you a firm foundation for the planning of your financial future,” he added.


“We know that your money is very personal and we want to help people prevent some of the emotional mistakes they can often make with their finances and portfolios,” he said. “Laying this crucial foundation helps us utilize a set of unique tools and processes to better align client’s money with their goals.”

It starts by taking a snapshot of their client’s lives. In doing this, FFG advisors can best understand what drives the spending and saving habits of those they meet with. It’s a personal and confidential approach their clients can appreciate. “Sometimes we know more about some people than most pastors do,” added Barnett.


After a unique financial plan, Barnett can start to formulate a picture of what assets they currently hold and what gaps may come up along the way. “I have found many people “wing” retirement and can easily take wrong turns,” he said. “That is why I recommend creating a plan that can track your progress as you go, so when detours come up, they can be immediately addressed.”

So back to the initial query, ‘How do I start saving for retirement?’  Barnett has some advice. “I like to think about Retirement as if I was taking a road trip,” said Barnett. “The first thing I would do is go online and map a course to my destination.” Taking the first plunge, with professional guidance, will help you map out your financial pathway.

“At FFG Retirement Counseling we help reduce our client’s money worries so they can focus on what’s truly important in their lives.”

Mention hearing about FFG Retirement Counseling on CRJ and get a free financial consultation. They are also offering readers a 10% discount for Planning Services through September 30, 2019. Call today at 720-650-6966.

FFG Retirement Counseling: 5975 S Quebec St Ste. 130, Centennial, CO 80111

Meet Acupuncture Associates of Castle Rock

A Step Into the World of Acupuncture, Herbs, and Chinese Medicine in Castle Rock!

Days come and go. Seasons change. I change. Often, I resist. This is the beginning of conflict. The neck becomes stiff, joints swell, apathy and loss of motivation quickly follow. Qi energy does not flow seamlessly for the wholeness of health, which is needed in each day of each life. The flow of healing becomes stagnant. Life goes on, and so must I. There is one method of opening the energy channels, a doorway into a holistic way of living. Chinese Medicine includes acupuncture, herbal supplementation, and nutritional support. These are just a few. I know. I have met many from the arts of Chinese medicine. I even speak a little traditional Chinese. I have my own story to tell. For now, I will soon tell you of someone else’s story. Someone who practices the arts of Chinese medicine and healing.

Having finished several much-neglected chores, I decided to have a calm, quiet sit with the sounds of the Amazon Jungle filling my quiet space. Funny how positive thoughts come while sitting in the quiet space of letting go. I am a practitioner of Qigong. I am (as I write) “making myself ready” for some much-needed exercises. Once the proper techniques are learned, and the theory understood, Qigong is also a way of opening the channels in the body, dissolving the environmental stress dams, releasing the energy to flow smoothly and unimpeded. And then there is acupuncture. Over the past couple of weeks, I had the pleasure to visit with Rebecca Baker of Acupuncture Associates of Castle Rock. I may very well introduce the art, practice, and alternative therapy to my routine of the Chinese healing arts. When I do, it will be with Acupuncture Associates of Castle Rock.

The Visit

When I walked into the office, it became immediately apparent that I was walking into a world of Love. It was like entering into a realm of “silent peace” within the midst of a busy community and town. I felt I had arrived, at home I knew not existed. How do I describe the essence of the space in which I entered? Caring, Loving, Peaceful, a Relaxing Silence, even a Sense of Hope. Yes, senses. My senses were stimulated.

Acupuncture Associates of Castle Rock (AACR) is quaint in its square footage, yet it is quite Feng Shui. There is a flow from one point to another which is appealing to the senses. There is no thought, just being. Besides a sitting area with water (Shuǐ) and tea (Chá), there are three rooms for clients/patients. Upon entering, the first person you may greet will be Melissa. Melissa has been with Acupuncture Associates of Castle Rock for two years. Melissa is as delightful and pleasant as the Feng Shui surroundings. Then there is Rebecca.

Rebecca Baker L. Ac. Is a delight to meet. I was instantly at ease in her presence. Her years of studies and work in the arts of Chinese Alternative Medicines, as well as her own personal lifestyle practices, no doubt lends themselves to this quiet, peaceful spirit, of which she manifests into the room. Having the pleasure of meeting, engaging in conversation, capturing a couple of photos, I left feeling as if I were carrying this spirit within me. Isn’t that what life is all about? Human touch, interaction, and connectivity?

Rebecca Baker

Rebecca Baker, L.Ac. is licensed to practice acupuncture in the state of Colorado. She has a Master of Science degree in Traditional Chinese Medicine.

Rebecca has 6+ years of owning and running her own clinic.

Rebecca would like to see us all use holistic medicine as a first line of defense and save drugs and surgery for emergency and last resort healthcare.

Rebecca specializes in stress and anxiety. This includes work with health problems related to stress and anxiety like high blood pressure, headaches/migraines, Concussion/Traumatic Brain Injury, IBS, ulcers and insomnia.

Rebecca’s own style is gentle and intuitive as she guides your body to heal itself. By combining energy work with ancient medicine, she raises your body’s vibration to a healing level. This creates a platform for incredible change.

Her Mission, Her Philosophy

Rebecca has seen people brought from a 9/10 pain level to no pain at her office in one treatment. She has seen her clients lose weight and start healthy lifestyles. She knows oriental medicine is powerful and can help so many people if only they knew about it. Rebecca has taken it as her mission to educate as many people as possible about how wonderful this medicine is and how complimentary it is to western medicine.

A person’s health is ever changing due to emotions, weather, genetics, stress, lifestyle, nutrition and many other factors. The client is treated according to how they present themselves at each visit. By addressing the root cause of a disharmony, greater health can be achieved, than just addressing symptoms. The strength of using traditional Chinese medicine is that it treats the whole person, not just a disease. Rebecca has a passion for Chinese herbal medicine and believes it is important to bridge the gap between acupuncture treatments and to help nourish the body, so it is better able to heal itself. Because this medicine is gentle and natural, remedies sometimes take longer to take effect, but the client can count on virtually no side-effects. Rebecca likes to educate her patients and give them homework, so they take an active part in their healing.

In Summary

From anxiety and stress to chronic pain and peripheral neuropathy, Chinese medicines in the forms of acupuncture, herbal medicines, nutritional support, fire cupping and Reiki are leaders in alternative medicine solutions. You won’t know until you prove it for yourself. I encourage you to call and schedule a consultation.

As someone who works in the supplement business, I recognize purity and potency when I see it. Her line of Chinese herbals is no doubt, the purity and potency you would expect and hope for. Personally, I am excited to begin a venture under Rebecca’s care. Now for that Qigong practice of my own. I need to get my priorities straight, if you know what I mean.

You can see and read more about Rebecca in her bio and Acupuncture Associates of Castle Rock on the website at: https://AcupunctureAssociatesofCastleRock

Location: 107 Fifth St suite B, Castle Rock, CO 80104