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AspenJet launching scheduled, eco-friendly, semi-private charter flights

AspenJet is prioritizing the values of being sustainable with its new semi-private charter airline, which aims to use eco-friendly practices and reduce the number of General Aviation flights in and out of the airport.
AspenJet is prioritizing the values of being sustainable with its new semi-private charter airline, which aims to use eco-friendly practices and reduce the number of General Aviation flights in and out of the airport.
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AspenJet service takes off in 2021
  • Scheduled, semi-private, nonstop jet service to/from Los Angeles, Dallas-Austin, Chicago, San Francisco and South Florida
  • Eco-friendly, fuel efficient, ultra-quiet jet engines
  • Shared service for up to 30 passengers, with the goal reducing the overall number of private charter flights in and out of Aspen
  • Executive-class flying experience
  • General Aviation flights mean no TSA security lines
  • Roughly double the price of a coach ticket, or ⅓ of the price of  a chartered jet.

A new semi-private jet company is aiming to provide a travel experience that’s as  world-class and sustainably minded as Aspen itself.

AspenJet is launching nonstop semi-private charter flights to and from some of Aspen’s top feeder markets: Los Angeles, New York, Chicago, Dallas-Austin, San Francisco and South Florida. By spaciously reconfiguring 88-seat jets to fit just 30 seats, this executive-class flying experience also provides travelers with essential health and safety precautions, and physical distancing. 

With the exclusive ability to fly nonstop from New York and South Florida, these travelers now have direct access to Aspen without connections or TSA lines. The service is expected to begin in early 2021.

“This concept of shared flight takes the people currently chartering private planes and moves them into the carpool lane,” said AspenJet Founder, President and CEO Patrick Dial. “That means fewer flights coming in, less noise, less pollution, and less operational burden on the airport.”

Sustainably minded travel

Patrick Dial, founder, president and CEO of AspenJet, is designing “an exclusive service for discerning travelers who also want to be more socially conscious and environmentally friendly.”
Patrick Dial, founder, president and CEO of AspenJet, is designing “an exclusive service for discerning travelers who also want to be more socially conscious and environmentally friendly.”

AspenJet’s retrofitted Embraer E-JETS aircraft feature General Electric’s ultra-quiet engines, and Dial is also developing partnerships for enhanced fuel logistics, when and where possible, as well as utilizing new Biojet fuels to reduce carbon emissions. There will also be in-flight use of various eco-friendly materials throughout. 

“AspenJet is prioritizing the values of being sustainable in launching a new charter airline — we’re trying to tie as much of that into our brand as possible,” Dial said. ”We’re designing an exclusive service for discerning travelers who also want to be more socially conscious and environmentally friendly.”

Dial said both commercial and private air travelers need more options in the marketplace for more sustainable travel. Many want the ability to fly in style without being wasteful, he said. 

“There is a movement afoot with first-class commercial travelers wanting and needing an elevated travel experience, especially during COVID, while many private flyers are looking to downsize,” he said. “They’re starting to understand they don’t need as much extravagance, so does it really make sense to fly alone on a giant private aircraft?”

Built with the Aspen community in mind

AspenJet’s aircraft will have a wingspan under 95 feet, which is the current maximum at Aspen Airport. With older generation jets soon being taken out of service, AspenJet’s ERJ-175 and/or ERJ-190 aircraft provide a self-mandated compromise solution both now and in the future if/when an airport expansion leads to larger aircraft in Aspen.

Dial, who has an aviation background and is a full-time Aspen resident, has closely followed the airport’s visioning process and has incorporated relevant community input into his business plan to avoid the use of larger jets. 

“We want AspenJet to be right in line with the wants and needs of the community, ultimately, being good stewards in helping maintain the character of our community” Dial said. “As a consequence, shared-flight means less flights into Aspen, which we all agree would be a good thing.”

Affordability and convenience

Private charter jets have always been a popular option for Aspen travelers, but one segment of that business involves small groups traveling together and sharing the costs for private charter jets. Dial said it’s common for a group of 8 or so friends or family members to book a jet, but there’s a risk that one or more people in the group drop out.

AspenJet wants commercial and private air travelers to have more options in the marketplace to fly in style without being wasteful.
AspenJet wants commercial and private air travelers to have more options in the marketplace to fly in style without being wasteful.
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“They say they’ll share the airplane costs and agree on what it costs, and then a person bows out at the last minute and the rest of the group is stuck paying the difference,” Dial said. 

Other services use crowdsourcing technology to find an empty seat on a jet heading to or from Aspen, but it makes finding the flight you want, at the price you want, much harder. 

“We’re taking away the risk of crowdsourcing a private airplane with friends by providing scheduled, semi-private service for about ⅓ of the cost,” Dial said.

Connecting with new friends

When you step onto your semi-private flight, everything from the service to the style to the food is going to feel like Aspen. Like sitting at the Ajax Tavern or on the Sundeck on a Sunday afternoon, Dial envisions a flying experience much like the social experience and culture of Aspen.

“The magic of AspenJet, like the magic of Aspen itself will be about making new friends, ones you might hike, bike, ski, dine or possibly do some new business with, as well as enjoying a more socially-conscious, eco-friendly, way to fly,” Dial said. “Think carpool for the jet-set crowd. And, enjoy an all-new type of travel experience that we’re coining to be ‘Experiential Travel. Elevated Flight.’

Unlocking the potential of wearable technology on caregiving for seniors

Innovations in wearable technology that measure and analyze biometrics is an exciting frontier for senior care.
Innovations in wearable technology that measure and analyze biometrics is an exciting frontier for senior care.
Free web talk on exciting technologies for senior care

What: A free web talk on how big tech is intersecting with care for older adults, presented by Renew Senior Communities, in partnership with the Glenwood Springs Post Independent and The Aspen Times. 

Who: Valencell, a leading innovator of biometrics technology. Presenters include President and Co-Founder Steven LeBoeuf and Vice President of Marketing Ryan Kraudel. Renew CEO Lee Tuchfarber will host. 

When: Aug. 12, 3 p.m. MDT.

Where: Register online at www.renewsenior.com.

Biometrics technology isn’t new, but continuous innovation is proving its capabilities for health and longevity, especially as it relates to caring for seniors. 

Lee Tuchfarber, CEO at Renew Senior Communities.
Lee Tuchfarber, CEO at Renew Senior Communities.

Lee Tuchfarber, CEO of Renew Senior Communities, is especially excited about the possibilities for seniors and their caregivers. Wearable sensors could alert caregivers of seniors’ increased risks for social isolation, falls or heart attacks, and this real-time data could actually help them live longer, healthier lives.

“At Renew, we’re about transforming senior care, and part of that is through supporting the development of technology that helps give seniors more independence, greater quality of life, and longer, healthier lives,” he said. “As a senior housing company, we’re very interested in technology development that helps us create great environments for seniors.”

Renew is presenting a web talk on Aug. 12, hosted by Tuchfarber and featuring speakers from the technology company Valencell, a leading innovator of biometrics technology. Valencell President and Co-Founder Steven LeBoeuf and Vice President of Marketing Ryan Kraudel will present. 

Improved access to technology 

Biometrics measurements can analyze heart rate, respiration rate, blood pressure, sleep quality, cardiovascular health and more. Valencell develops new biometric technologies and licenses the technology that ends up going into devices developed by other companies. 

Ryan Kraudel, Vice President of Marketing at Valencell.
Ryan Kraudel, Vice President of Marketing at Valencell.

For example, the embedded sensors in the Starkey brand hearing aid Livio AI, with which Renew has worked, were invented by Valencell. 

This and other wearable sensor technology has caught up to the medical sensor technologies used in hospitals and in healthcare, Kraudel said. 

“You can now get the same level of accuracy of data outside of a medical facility,” he said. “It makes it easier to collect point-in-time data, but it also allows longitudinal collection (repeated observations) that provides insights that haven’t been seen before.”

Sensors can detect how often you’ve entered a specific room, such as a bathroom or a food pantry, providing insights into how often a senior is using the bathroom or eating. These are the types of uses that Tuchfarber is interested in from a caregiving standpoint. 

Broad uses

Since Valencell was founded in 2006, LeBoeuf said the uses of biometrics technology have expanded. The technology itself is broad and can measure so many different data points gathered from any area on the body where blood flow can be measured non-invasively. 

Let’s say you wanted to know how the body responded to a certain experience, you could analyze the heart rate and blood flow data during that time. In addition, you can get contextual information about what the person is doing from location sensors and inertial sensors.

“We have outputs people can use that you wouldn’t be able to get from other technologies out there,” LeBoeuf said. 

Different customers, different desires

In the application of wearables for seniors, the customers might not be the same person who wears the device. Customers could include professional caregivers or family members, who often have different goals. 

Steven LeBoeuf, President and Co-Founder at Valencell.
Steven LeBoeuf, President and Co-Founder at Valencell.

“Family members just want to know their loved one is alright, but that’s not exactly what the wearer cares about — they want to be more independent,” LeBoeuf said. 

When considering these technologies specifically for senior care, there are also considerations for issues such as tight wearables on aging skin and the sensitivity and battery life of the sensors.

LeBoeuf said there’s also potential to reduce insurance and healthcare costs thanks to wearables. After a cardiac event or procedure, patients are often required to return to the hospital or medical office for follow-up testing. With wearables and smartphones, these tests could be done from home. 

“You could pop in an ear bud to get health measurements and even be able to talk to the physician through that device,” he said. 

Wearable sensors have a seemingly endless amount of applications beyond just biometric modeling. As we think about this wearable technology, LeBoeuf said it’s important to never lose sight of what kind of future we want. 

“This is a means to an end, and the end needs to be improvement in public health,” he said. “Help people take more control in their health, get the feedback they need and take more charge of their health in a way that also drives down costs.”

Jean-Robert on the myths about gym safety during COVID-19

Jean-Robert’s Gym is providing gloves for all members, which are mandatory while working out.

Jean-Robert’s Gym is providing gloves for all members, which are mandatory while working out.
Jean-Robert’s Gym is open in Aspen, Willits

Jean Robert’s Gym is open for members with extra safety measures in place. In addition to large open spaces, high ceilings, meticulous cleaning standards, mandatory gloves and other precautions, the gym is also able to use contact tracing should a member ever test positive. In the two months since reopening, this has not happened. 

For more information about membership, visit www.jeanrobertgym.com.

When the COVID-19 pandemic hit Aspen and business closures went into place, Jean-Robert Barbette didn’t panic. Instead, he mapped out a plan that would keep his namesake gyms open and his members safe. 

Barbette’s second gym, in Willits Town Center, hadn’t yet opened when the pandemic hit. Opening was a miracle in and of itself, he said, but the immediate surge in membership interest proved the decision was the right one. 

“People out there want to get in shape,” Barbette said. “You need to make sure you stay healthy and go to the gym to stay strong.”

With this philosophy in mind, Barbette set four objectives for his gyms: Stay in business; safely reopen the Aspen location once public health orders allowed it; open the new Willits location; and remodel the downstairs space in Aspen to provide at least six feet of space between all equipment. 

“It was a 1-2-3-4 punch and now we’re just happy to be open,” he said. 

Fitness equipment at Jean-Robert’s Gyms have been rearranged to provide maximum physical distance for members, and the gyms are not offering any day passes for non-members as yet another way to minimize exposure risk to COVID-19.
Fitness equipment at Jean-Robert’s Gyms have been rearranged to provide maximum physical distance for members, and the gyms are not offering any day passes for non-members as yet another way to minimize exposure risk to COVID-19.

The future of gyms

With limitations on how many people can gather indoors, Barbette anticipates a massive shift in group fitness and big box gyms. When the business model is to get as many people in the door as possible, that’s not going to work during a pandemic. Gold’s Gym and 24 Hour Fitness, for example, have already filed for bankruptcy and announced closures of hundreds of locations. 

“The boutique gyms are going to survive, especially those tailoring to a higher-end market,” Barbette said. “The future of gyms is high-end, well equipped — everything has to be top notch.”

Jean Robert’s Gyms have been focusing on semi-private and private personal training sessions. In the semi-private sessions, groups of 2 to 3 people typically book together and already know each other.

Jean-Robert’s Gyms have started up group fitness classes again, limiting each class to six people. 

“Both of our group fitness rooms are very big. In Aspen, we have 22-foot ceilings and amazing ventilation — six people in that room are very spread out,” he said. “I do think the future of group fitness is going to change. I don’t see anybody wanting to pack into a class with 20+ people anymore.”

Jean-Robert’s Gyms are ‘cleaner than your house’

Many people assume gyms are dirty, but Jean-Robert’s Gyms are being cleaned ‘round the clock. From a full-time cleaner throughout opening hours to a night crew that cleans and disinfects showers, bathrooms and other surfaces, Barbette is willing to bet his gyms are cleaner than most people’s homes. 

“No one is having their house cleaned 10 hours a day,” he said. 

The gym is also providing gloves for all members, which are mandatory while working out. Air filtration is also new and high-tech at both gyms, Barbette said.

From a full-time cleaner throughout opening hours to a night crew that cleans and disinfects showers, bathrooms and other surfaces, Jean-Robert Barbette said his gyms are cleaner than most people’s homes.
From a full-time cleaner throughout opening hours to a night crew that cleans and disinfects showers, bathrooms and other surfaces, Jean-Robert Barbette said his gyms are cleaner than most people’s homes.

Large spaces, contact-tracing technology

Jean-Robert’s Gym in Aspen is 12,000 square feet — the size of a big home in Red Mountain. Fitness equipment has all been rearranged to provide maximum physical distance for members, and Barbette notes that he’s also not offering any day passes for non-members as yet another way to minimize risk. 

“The last thing you want is some guy from Florida or Texas or one of the states with large outbreaks going on, who’s been on a plane, coming in to work out for one hour — it’s too much risk for such a nominal amount of money so I’m not doing it,” he said. 

Thanks to a barcode system on the doors, Jean Robert’s Gyms are able to trace when members were in the gym. In the event a member tests positive, the gym can use this software to contact other members who may have been exposed. Thankfully, in the two months since reopening Aspen and opening Willits, Barbette said they haven’t had to use this technology. 

Toned physiques need expert guidance in real gyms

Barbette’s philosophy with Jean-Robert’s Gym has always been to provide a premium experience, and now he’s doubling down. Anyone who thinks they can adequately tone and sculpt their bodies at home using bodyweight and internet videos is misinformed, he said.

“You’re never going to meet a professional bodybuilder or fitness model who works out solely at home,” he said. “We have 120 pieces of equipment at Jean-Robert’s Gym — this is how you tailor a body, by working on specific muscle groups. You need to do strength conditioning in the gym with weights and resisting equipment, guided by an expert, and you need this in addition to biking, hiking, skiing and other activities.”

A personal trainer can see things going on with your body. Is there weakness in your quadriceps muscles? Are your shoulders hunching forward? Are your hamstrings tight? 

“You can’t get this guidance online — forget it,” Barbette said. 

Why an aging population should be seen as an economic boon

Aging Americans make valuable contributions to the U.S. economy, yet ageism remains a major obstacle for them in the workplace.
Aging Americans make valuable contributions to the U.S. economy, yet ageism remains a major obstacle for them in the workplace.
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Free web talk on how aging Americans impact the economy

What: Web talk series about why the aging population will help the economy, presented presented by Renew Senior Communities, in partnership with the Glenwood Springs Post Independent and The Aspen Times.

Who: Co-hosted by Christopher Farrell, senior economics contributor, Marketplace and Minnesota Public Radio; author of “Purpose and a Paycheck, Unretirement, The New Frugality;” and Lee Tuchfarber, CEO of Renew Senior Communities.

When: July 29, 3 to 4 p.m.

Where: Register online at www.renewsenior.com.

There are roughly 117.4 million people over the age of 50 in the United States, of which about 52 million are over the age of 65. By 2060, the American Association of Retired Persons (AARP) estimates that about 95 million Americans will be over the age of 65.

Some economic analysts view an aging population as a detriment to economic growth, but positive factors among an aging population such as longevity, valuable work experience and a continued desire to work could actually mean the opposite. 

Christopher Farrell, senior economics contributor for American Public Media's Marketplace.
Christopher Farrell, senior economics contributor for American Public Media’s Marketplace.

“Older people are an underappreciated asset in the U.S. economy,” said Christopher Farrell, senior economics contributor for American Public Media’s Marketplace and author of “Purpose and a Paycheck, Unretirement, The New Frugality.” 

Farrell is the guest co-host of a July 29 web talk series about why the aging population will help the economy, presented by Renew Senior Communities, in partnership with the Glenwood Springs Post Independent and The Aspen Times. 

“There is the concept that the older adult population declines in their value to society, and this is untrue,” said Lee Tuchfarber, CEO of Renew Senior Communities. “That is an entrenched belief, but the script ought to be flipped. People want to contribute to society no matter what age they are.”

Fighting ageism in the workplace

Age discrimination in the workplace cost the U.S economy $850 billion in 2018, according to an AARP report, “The Economic Impact of Age Discrimination.” While many employers recognize older employees’ desire to continue working, few employers are actually taking the steps to create work environments that are responsive to the needs of workers of all ages, according to the report. 

Age discrimination includes less favorable treatment of older people in hiring processes and employment, underempoloyment — such as working jobs or earning wages that are beneath an older person’s qualification level, and longer periods of unemployment. 

Lee Tuchfarber, CEO of Renew Senior Living.
Lee Tuchfarber, CEO of Renew Senior Living.

“Just because you’re 65 doesn’t mean you’re brain-dead and don’t have anything to offer,” Farrell said. “We have to create better opportunities for older people.”

Older adults are healthier, better educated and more productive than previous generations, Farrell said, adding that there’s been an explosion of self-employment and entrepreneurship among older people in recent years. 

“You have knowledge and experience, and you know how to solve a problem,” he said. “Startup costs are relatively low if your office is at home or in a co-sharing space — and you don’t have to get through human resources and an ageist management.”

Creating better opportunities for aging Americans

Rather viewing older adults as a drain on the economy, Farrell said more work opportunities that tap into their skills, knowledge and experience could deliver a boon. 

“We all want to be useful, and one way is to continue to tap into our skills,” he said. 

That means creating opportunities for more flexibility, such as part-time work, and rethinking accessibility to ongoing training and education. 

“Someone who graduates from college today can anticipate having a 60 to 70-year career,” Farrell said. 

Longevity research shows that a sense of purpose in life is strongly related to a person’s risk of dying. One study published in the journal JAMA Network Open found that purposeful living is associated with lower mortality from all causes. 

Work is one way people experience living with purpose. Other examples include spending time with family, belonging to something such as a church or social group, and volunteering.

“One way Renew (Senior Communities) would like to get involved is by creating volunteer opportunities for older adults,” Tuchfarber said. “Intensive volunteering is a concept that is conducive to wellness, physically and cognitively, and also conducive to adding value to society. People want to do things that matter, and that’s consistent with this concept of purposefulness.” 

How big tech is intersecting with care for older adults

Dr. Cathy Bodine, a clinician and associate professor in the school of medicine and college of engineering at the University of Colorado.
Dr. Cathy Bodine, a clinician and associate professor in the school of medicine and college of engineering at the University of Colorado.

Since the days before cell phones were even a thing, Dr. Cathy Bodine has been working to improve technology for people with disabilities or people aging into disabilities. 

Bodine, a clinician and associate professor in the school of medicine and college of engineering at the University of Colorado, wants to reduce social isolation — a goal she had long before COVID-19. 

“Social isolation leads to death just as much as cardiovascular disease,” she said. 

Bodine is the featured speaker and co-host in a free web talk on July 15, “How big tech is intersecting with care for older adults,” presented by Renew Senior Communities and co-hosted by Renew CEO Lee Tuchfarber. Here’s a look at some of the topics that will be explored. 

Many seniors are eager to learn new technology

There’s a common myth that seniors aren’t interested in technology, but Bodine said disinterest is usually the result of a more complex problem. 

“The technology doesn’t always meet their needs,” she said. “Seniors love technology, that’s not the problem — it’s the usability, user experience and their own history that interferes.”

Through her research and development of new technologies, she consistently finds that the key to making technology successful for seniors is how intuitive and useful it is. If the benefit of using a technology outweighs the cost of using — cost as in the learning curve, which can be frustrating — seniors will persist, she said. 

Bodine points toward the transparency of application icons as an example. Those who started using technologies that featured these icons from a young age understand that the button with the circle and line through it is the on/off button. But it’s not intuitive for all users. 

Free online talk on technology and aging

What: Renew Senior Communities webcast, “How big tech is intersecting with care for older adults.”

Who: Co-hosted by Cathy Bodine, clinician and associate professor in the school of medicine and college of engineering at the University of Colorado; and Lee Tuchfarber, CEO of Renew Senior Communities

When: July 15, 3 to 4 p.m.

Where: Online. Register at renewsenior.com.

“There are a lot of things that make technology really challenging and increase the cognitive load of being able to learn,” Bodine said. 

The pandemic has revealed this exact challenge — telehealth visits are simple for those who know how to log onto a video conferencing meeting, but it’s not easy for someone who has never used that type of application. 

Renew is experimenting with different communication devices to remove the challenges inherent in older adults holding a video conversation with their adult children, Tuchfarber said. 

“We have noticed that even an iPad can pose challenges for an older adult who is not accustomed to using one — it requires a staff member to operate a device for the resident in order to enable the video conference,” he said. 

Renew has looked at other devices and recognized that the Echo Show 8, for example, has a “drop in” feature that allows an adult child to simply appear on the screen at a scheduled time. In other words, the older adult resident does not have to know how to operate the device. 

“They can simply pick it up and start talking with their children and grandchildren,” Tuchfarber said. “Removing this barrier means that we can reconnect families easily.”

User-centered design

The average age of software engineers around the world tends to be under 35, Bodine said. While they have brilliant intentions and want to design good products, their own personal experiences influence their work. 

“If these engineers have no access to the end users, they’re building a product based on their knowledge rather than the knowledge of their average user,” she said. “Technology has to be developed with the end user in mind, in a way that’s more intuitive.”

Lee Tuchfarber, CEO of Renew Senior Living.
Lee Tuchfarber, CEO of Renew Senior Living.

Every semester, Bodine has her engineering students work with either a senior or someone with a disability to figure out what the real user problem is with a specific technology. Once students have a better understanding of the problem that needs to be solved, they can design technology around that issue. 

“Think about the lifespan of someone who is 85 years old. Think about the innovations they’ve experienced in their lifetime — automatic transmissions, a man on the moon, development of the computer, cell phones,” Bodine said. “They have a history of seeing lots of technological growth and development, but what we’re not doing so well today is designing the technology for them to be able to use it.”

Bodine goes to the massive Consumer Electronics Show (CES) in Las Vegas each year to meet with people from small and large companies around the world. Her hope is to train the next generation of engineers to be more adept at thinking more broadly about technology design. 

“They’re developing technologies that seniors will buy — the market is driving innovations in how we design and develop these technologies,” she said. 

Emerging technologies

Because of the demographic that is currently aging — Baby Boomers, the second-largest living generation behind Millennials — mainstream technology companies are increasingly interested in aging. Bodine said they’re starting to understand that their business models have to shift to include older populations. 

From artificial intelligence to smart-home designs, there are cutting edge technologies that can not only help seniors with social isolation, but also with mental and physical health. One technology Bodine is studying is the use of wearable sensors that can detect respiratory function, heart rate, temperature and other metrics. Sensors in a toilet can detect if someone has an infection. Bodine is particularly excited about wearable sensors’ ability to detect balance. 

“One of the key indicators for mortality and morbidity is falling. Our balance changes as we age. If we can measure when the balance stability is shifting, then maybe we can get you into physical therapy or senior exercise programs,” she said. “It’s a very exciting time to be working in technology.”

Have you started investing for your future?

Financial Advisor Brian Thomas, of Edward Jones in Aspen.
Financial Advisor Brian Thomas, of Edward Jones in Aspen.

About 42 percent of Americans between the ages of 18 and 29 don’t have a retirement savings account, and research shows that nearly 40% of Americans couldn’t come up with $500 in cash without selling assets or taking out a loan.

Financial Advisor Brian Thomas, of Edward Jones in Aspen, wants to help young professionals and business owners in the Roaring Fork Valley buck these trends. 

Thomas grew up visiting Aspen with his family on ski trips. After he finished graduate school and picked up a master’s degree in finance from The Ohio State University, he knew this was where he wanted to end up. But his goals are much greater than just living here to enjoy the lifestyle. 

“This job gives me an opportunity to become a member of my community by helping individuals and businesses plan for their future,” he said. “I want to partner with clients throughout their life stages to achieve their goals — building these lifelong relationships with my clients is really important to me.”

Here are the three types of clients in the Roaring Fork Valley that Thomas is particularly excited about helping. 

Young professionals

Young people in Aspen and throughout the valley often make sacrifices in order to live here. Those who work jobs in the hospitality and service industries also face drastic seasonal shifts in earning potential.

“Unfortunately in this valley, there are a lot of hurdles to being able to live and work here sustainably. You have to create a budget for yourself and understand your long-term goals,” Thomas said. “A lot of people don’t budget, and that’s a great place to start.”

The first step when Thomas meets with young clients is understanding what their long-term goals are. Too many people don’t think about where they’d like to be in 10, 20 or 30 years, he said. 

Once those goals are identified, it’s time to create a more rigid budget to help clients understand what they can spend on discretionary items and what they could be saving. 

“You want to be able to spend the money you earn and have fun, but it’s so much more advantageous to save small amounts when you’re young rather than play catch-up when you’re 40,” he said. “It might not be fun to put $100 a month into a Roth IRA when you’re in your 20s, but you’ll thank yourself and the power of compound interest 30 years from now.”

Are you ready for an investing strategy?

Brain Thomas, Financial Advisor at Edward Jones, wants to help Roaring Fork Valley individuals and businesses develop customized savings strategies. If you’re not sure where to begin, Thomas can help. 

Email brian.thomas@edwardjones.com for more information or visit www.edwardjones.com/brian-thomas.

Parents who want save for children’s education

Student loan debt is a major hurdle for young people in America. Instead of contributing to a 401K or a Roth IRA, many people are spending $500 to $1,000 a month on their student loan payments with no money leftover for savings. 

“It can really affect individuals for quite a long time post-graduation,” Thomas said. “One of the greatest gifts you can give to your children is financial freedom after college.”

He believes strongly in 529 plans, which are tax-advantaged savings plans for future education costs. The money in the account grows tax-free and there are no penalties as long as the funds are used for qualified education expenses. 

“I love to work with young families and bring value to their lives,” Thomas said. “I want to understand what’s important to my clients and create customized strategies for them, and 529 plans are a really great option for parents.”

Business owners

The strong core of small businesses in Aspen and the Roaring Fork Valley are major drivers of the local economy. Thomas wants to help those people create sustainable, long-term businesses that don’t just help the business owners, but also their employees. 

Business owners who offer some sort of retirement savings plan have greater employee retention and satisfaction, Thomas said. And that leads to greater economic good for the community and better quality of life. 

“It can be tough to get retirement solutions through smaller businesses, but I can help set those up,” Thomas said. “I want to help businesses help their employees save for retirement.”

New Snowmass Clinic now open in Base Village

The state-of-the-art walk-in clinic features seven fully-private patient rooms, a triage room, general X-ray services and more, plus an expanded gym and new rehabilitative technologies for physical therapy patients.
The state-of-the-art walk-in clinic features seven fully-private patient rooms, a triage room, general X-ray services and more, plus an expanded gym and new rehabilitative technologies for physical therapy patients.

In the span of 12 years, a plan to relocate the Snowmass Clinic to a custom-built facility was delayed by the Great Recession and a global pandemic, but the anticipation ended when the new clinic opened its doors on July 1.

A lower-cost alternative to the emergency room for non-life-threatening conditions, the walk-in clinic serves as a quasi-urgent care option in Snowmass where patients can have convenient access to basic medical care, imaging and physical therapy.

“This is a bigger, brighter facility that’s really going to improve the patient experience,” said Dr. Gibans, medical director of the Snowmass Clinic. 

The Snowmass Clinic in Base Village

The Snowmass Clinic is an outpatient department of Aspen Valley Hospital, open to walk-in patients seven days a week, from 8:30 a.m. to 4:30 p.m. No appointment necessary. Virtual visits may also be available, please call to inquire.

The new clinic also includes space for rehabilitation services on-site.

For more information, visit aspenvalleyhospital.org/Snowmass-Clinic or call 970-544-1518. For more information about rehabilitation services available, call 970-544-1177.

Functionally designed

Dr. Gibans and Kelly Hansen, the clinic’s practice manager, have been with the Snowmass Clinic since 1991 and 1992, respectively. When they moved into its Village Mall location in the winter of 2008-09, the thought was that it would be temporary and they’d stay for maybe two years. Twelve years later, they’ve learned a lot about what a functionally-designed clinic space could provide in terms of efficiency and quality. 

Both Dr. Gibans and Hansen used that experience to help design the new space with staff and patients in mind.

“This new clinic is really designed for what its purpose is — it was built from the ground up as a (walk-in medical) clinic,” Hansen said. 

Other simple conveniences such as parking — the parking garage has spaces specifically designated for clinic patients — are also expected to improve the overall experience. 

“There will also be a drop-off point right out front for buses and hotel vans,” Hansen said.

Snowmass Clinic waiting room with views across the Brush Creek Valley.
Snowmass Clinic waiting room with views across the Brush Creek Valley.

Services

Dr. Gibans and Dr. Kimberly Levin are the clinic’s two on-staff emergency medicine physicians, supported by registered nurses, EMTs, X-ray technologists and physical therapists. The Snowmass Clinic also offers limited laboratory services, and a new X-ray machine will deliver stronger, more reliable imaging services. 

The Snowmass Clinic can treat patients with illness or injury. They see a lot of urgent issues such as lacerations or fractures, but anything that requires more serious intervention or testing such as a CAT scan would be sent to the emergency room at Aspen Valley Hospital. 

“If someone’s pretty sick and they need more than basic testing, or they’ve had major trauma, we want them to go to the emergency room,” Dr. Gibans said. 

Safety measures in place for COVID-19

Aspen Valley Hospital and its network of care locations, which include the Snowmass Clinic, have implemented a COVID-Clean Pledge to ensure medical care is provided in a safe environment. 

“You can have peace of mind that we are taking every precaution to see patients and treat patients in a safe and clean environment,” according to Aspen Valley Hospital. “This is paramount because putting off treatment, especially for chronic conditions, can cause greater problems down the road and is a threat to our patients’ and our community’s health.”

Due to COVID-19 and because Snowmass Clinic is a walk-in clinic, there are extra screening measures in place for all patients. A nurse will be screening patients over the phone from the front door to assess whether the patient is allowed into the clinic. Anyone with respiratory complaints will not be allowed inside. Dr. Gibans said protocols could change depending on the state of the pandemic. 

“Unfortunately, what’s true today may not be true in two weeks and we may have to change things,” he said. 

Highlights from Aspen Valley Hospital’s COVID-Clean Pledge (for a complete list, visit www.aspenvalleyhospital.org/covid-clean-pledge):

  • Universal masking of staff, patients and visitors at all times.
  • All staff and visitors are screened for COVID-19 symptoms.
  • Seating in waiting areas has been reconfigured to allow for physical distancing.
  • Magazines and reading materials have been removed from waiting areas, except those required by law.
  • Surgical and obstetrical patients prior to induction are tested for COVID-19 prior to arrival and screened upon arrival.
  • AVH’s Environmental Services department is highly trained in cleaning protocols for infection prevention.
  • All disinfectants are approved for use against human coronaviruses.
  • Housekeeping provides additional cleaning of high-touch surfaces.
  • Equipment is thoroughly disinfected after each patient use.
  • Staff are not permitted to work if they have any COVID-19 symptoms, and they must follow strict guidelines set forth by the employee health department in order to return to work.
  • AVH took a highly proactive approach to securing and protecting its supply of personal protective equipment (PPE) that has allowed us to treat all COVID-19 patients with protective measures that exceed CDC recommendations.

What’s the answer to slowing the spread of COVID-19 for older adults?

Dr. Michael G. Schmidt (Ph.D.) Controlling Acquistion of Hosptial Acquired Infections Pandemic Flu Preparations and Disaster Preparedness Bacteiral pathogenesis

“There’s a lot of stupid floating around out there.”

That’s what South Carolina Gov. Henry McMaster said during a recent news conference in which he pleaded with the public to make better decisions to slow the spread of COVID-19.

“That’s the best quote ever — it’s how you explain the recent surge (in cases),” said Dr. Michael Schmidt, PhD, a professor of microbiology and immunology at the Medical University of South Carolina.

Dr. Schmidt is the guest host of an upcoming webcast, “How Colorado Can Work Smarter to Slow the Spread of COVID-19 in Older Adults,” presented by Renew Senior Communities. Renew CEO Lee Tuchfarber is co-hosting.

“This is a plague for which the human race has a choice,” Dr. Schmidt said. “We already know how to stop this virus dead in its tracks.”

Much of the discussion will focus on how we can do our part as a society to slow the spread, but Dr. Schmidt will also discuss promising light at the end of the tunnel. From the potential that oral polio vaccines can safely and cheaply protect the U.S. population to excitement over bluetooth technology expanding the efficiency of contact tracing, Dr. Schmidt said various stop-gap measures could make a big difference until there’s a COVID-19 vaccine.  

“The only thing more infectious than this virus is hope,” he said.

Personal responsibility

The way we control the virus is really straightforward, Dr. Schmidt said — “it’s hygiene.”

Wearing a mask to protect others, washing your hands and keeping a physical distance of at least six feet from other people are the most effective safety precautions.

“If we’ve learned one thing, there are a lot of folks out there who are infected and don’t know it,” he said. “The mere act of speech actually can spread the virus. So, if you’re out carrying your business and talking, wear a mask.”

Physical distancing is your only hope if you’re not wearing a mask. The “hope” being that the virus dissipates in the air before smashing into your face.

“Many medical folks are wearing face shields because the virus can come in from your tear ducts,” Dr. Schmidt said.

As for hand hygiene, simple soap and water is all you need. The Centers for Disease Control and Prevention recommends washing hands for at least 20 seconds.

Strict safety protocols have proven to work at Renew Senior Living’s two communities in Aurora and Glenwood Springs. Tuchfarber said all residents at both communities have remained COVID-free while a great number of the senior living facilities in Colorado have experienced outbreaks.

Renew put various safety measures in place for staff before they enter the building, and they’ve even provided staff with meals to take home to their families to decrease their need to go to the grocery store. Much of this decision-making is data-driven, with various phases of safety measures implemented depending on the R-naught (Ro), which is the estimate of the number of people to whom each infected person spreads the virus.

“There’s an inherent spreadability of the virus itself, but there’s also an environmental factor,” Tuchfarber said. “So behavior can really affect the Ro.”

 Join Renew and Dr. Michael Schmidt virtually on July 1

What: “How Colorado Can Work to Slow the Spread of COVID-19 for Older Adults,” a webcast talk series presented by Renew Senior Communities.

When: Wednesday, July 1, 3 to 4 p.m.

Where: Register for free at renewsenior.com.

Featured co-host: Dr. Michael Schmidt, PhD, is a professor of microbiology and immunology at the Medical University of South Carolina. He is a well-published expert in the area of

infectious disease control and pandemics. He ran the American Society for Microbiology

and set its research priorities for vaccines and testing. He hosts a podcast called, “This

Week in Microbiology.” Dr. Schmidt is an advisor to MicrogenDx, the second largest next

generation testing lab in the U.S.

Join Renew and Dr. Michael Schmidt virtually on July 1

What: “How Colorado Can Work to Slow the Spread of COVID-19 for Older Adults,” a webcast talk series presented by Renew Senior Communities.

When: Wednesday, July 1, 3 to 4 p.m.

Where: Register for free at renewsenior.com.

Featured co-host: Dr. Michael Schmidt, PhD, is a professor of microbiology and immunology at the Medical University of South Carolina. He is a well-published expert in the area of

infectious disease control and pandemics. He ran the American Society for Microbiology

and set its research priorities for vaccines and testing. He hosts a podcast called, “This

Week in Microbiology.” Dr. Schmidt is an advisor to MicrogenDx, the second largest next

generation testing lab in the U.S.

Testing

Testing serves a vital role in understanding and controlling the spread of COVID-19, Dr. Schmidt said. He points to data from Taiwan, a densely populated island that has managed to keep its number of confirmed cases of COVID-19 to date to less than 450 thanks to aggressive testing and contract tracing.

“Going forward, given that we know there is significant asymptomatic and presymptomatic transmission of the virus, pre-emptive testing may be a way we help slow the spread of the virus  in areas that have suddeningly seen a surge in an increase in new cases,” he said. “Simply, local areas may wish to routinely screen random members within their community looking for an up-turn in the number of cases. Such a program will be especially important to companies with public-facing employees, so that they can ensure that their employees and customers are as safe as possible.”

Renew is working on a strategy for preemptive testing rather than waiting for a positive case and then reacting to it. Tuchfarber said Renew should be implementing that new protocol very soon.

“Preemptive testing of all staff on a regular basis, unprompted by a positive test result, is presently a rarity in our industry, but is an important measure to assure safety. We are preparing to integrate this program in our COVID-19 safety regimen,” Tuchfarber said. “This is an extra measure of safety that we feel strongly about taking.”

Facilitating a global response

In an effort to facilitate a global response, scientists are looking at three strategies: diagnostics, therapeutics and vaccines.

Diagnostics essentially look at how we can slow the spread faster and better, while therapeutics focus on the use of drugs.

“If we’re going to restart the economy, we need two to three drugs so the virus doesn’t adapt to the drugs like it did with HIV and hepatitis C in the 1980s,” Dr. Schmidt said.

Vaccines are the area for which Dr. Schmidt is truly excited. There are more than 90 candidate vaccines currently being studied, with microbiologists, structural biologists, physiologists and others all pulling in the same direction.

7 formas en las que tu participación en el censo beneficia a toda nuestra comunidad

Presentado por el Comité de Conteo Completo de Aspen a Parachute

Asegúrate de que tu voz se escuche

Ser contado en el censo de EE. UU. es una forma de hacer que tu voz se escuche a nivel local, estatal y federal. Tu participación influye en todo, desde la representación política hasta importantes servicios públicos de la comunidad. ¡No te quedes en silencio, ayuda a tu comunidad! El censo de EE. UU. es completamente seguro y su información personal es confidencial.

Para obtener más información, visita a2pcensus2020.com o 2020census.gov.

Si vives en los Estados Unidos, independientemente de si naciste aquí o de cuál es tu estado migratorio, la ley te exige ser contado en el censo de EE. UU. 2020. Hay solo 10 preguntas, que se estima toman unos 10 minutos en completarse.

Desde 1790, el recuento del censo de EE. UU. ha influenciado todo, desde la representación política en el congreso hasta la financiación federal para servicios públicos esenciales.

Los condados del Roaring Fork y Colorado River Valley, así como otras partes interesadas formaron el Comité de Conteo Completo de Aspen a Parachute como un esfuerzo de colaboración para aumentar la participación en el censo en nuestro valle. A través de su campaña “Juntos contamos”, el objetivo del comité es desacreditar los mitos y calmar los temores sobre el censo.

Dado que el conteo del censo solo ocurre una vez cada 10 años, deja que esta lista sirva como recordatorio de por qué no debes ignorar el censo: la participación de cada residente es esencial para la vitalidad de nuestras comunidades.

Ninguna pregunta sobre ciudadanía

En toda la comunidad, el efecto a largo plazo del clima político actual y la confusión en torno a la cuestión de la ciudadanía daba diferentes matices a las percepciones de las personas sobre el censo, dijo Phillip Supino, director de desarrollo comunitario de la ciudad de Aspen y miembro del Comité de Conteo Completo.

Los tribunales federales bloquearon permanentemente los planes de la administración Trump de agregar una pregunta al censo que habría consultado si tu eres ciudadano estadounidense. El comité está recordando a todos los residentes del Roaring Fork Valley que no habrá tal pregunta en el censo 2020.

Tus respuestas al censo son confidenciales.

Las respuestas del censo se utilizan para producir estadísticas, y nada más. La oficina del censo de los EE. UU. tiene la obligación legal de mantener la confidencialidad de tus respuestas.

Las preguntas del censo solicitarán información acerca de la cantidad de personas que viven en tu hogar, los nombres y fechas de nacimiento de cada ocupante, raza, sexo y relación entre ellos. El censo no te preguntará acerca de tu religión, afiliación política o ingresos.

Además, todo el personal de la oficina del censo hace un juramento vitalicio para proteger tu información, y cualquier violación trae consigo una multa de hasta $250,000 y/o hasta 5 años de cárcel.

Los datos del censo NO se pueden usar en tu contra por ningún motivo

Las preguntas del censo solicitarán información sobre el número de personas viviendo en tu casa, los nombres y fechas de nacimiento de cada ocupante, raza, sexo y relación entre ellas. El censo no te cuestionará sobre religión, afiliación política o ingreso.

La ley federal garantiza que tu información personal y tus respuestas no puedan ser utilizadas en tu contra por ninguna agencia gubernamental. Eso significa que tus respuestas al censo no pueden ser compartidas por la oficina del censo con las agencias de inmigración o policiales.

“Sin lugar a dudas, bajo ninguna circunstancia, los datos del censo se pueden compartir entre las agencias”, dijo Supino.

Conteo insuficiente conduce a un financiamiento insuficiente

Los números del censo equivalen a fondos federales para servicios comunitarios vitales como: carreteras, transporte, hospitales, servicios de emergencia, alimentos subsidiados, atención médica y más.

Por cada persona que se cuenta en el censo, Colorado recibe alrededor de $2,300 en fondos federales. Eso es por persona, por año, durante los próximos 10 años.

Eso significa que solo una persona que no se cuente podría resultar en la pérdida de $23,000 dólares federales hasta el próximo conteo del censo en 2030.

“Con solo unos minutos de tu tiempo, puedes ayudar a garantizar fondos para servicios comunitarios importantes como educación, mejoras de carreteras y servicios de salud y humanos”, dijo Jenn Ooton, subdirector de la ciudad de Glenwood Springs. “Además, nuestras comunidades del Roaring Fork y Colorado River Valley están en mejores condiciones para planificar el futuro cuando tenemos recuentos de población precisos”.

Alex Sánchez, director ejecutivo de Valley Settlement, una organización que trabaja para mejorar las vidas de las familias inmigrantes, dijo que la comunidad latina del Roaring Fork Valley fue muy poco contada en el censo de 2010. Esto lleva a una incapacidad a nivel local para apoyar completamente a todos los miembros de la comunidad con los recursos necesarios.

“Esperemos que este año el conteo del censo pueda ser un verdadero reflejo de esta comunidad”, dijo.

Mejor representación política.

Cuando una comunidad se cuenta con precisión, puede representarse de manera más efectiva. Colorado es uno de los cinco estados en occidente que podrían obtener un escaño adicional en el congreso después del censo 2020, pero primero necesitamos una participación exitosa en el censo.

“Todos tenemos un interés personal en asegurarnos de que estamos participando”, dijo Sánchez. “Independientemente del estado migratorio, este es nuestro deber cívico”.

Participar en el censo es fácil

Tu invitación para participar en el censo 2020 se entregará entre el 12 y el 20 de marzo. Una vez que la recibas, puedes responder en línea (www.2020Census.gov), por teléfono (llama al centro de llamadas del censo utilizando el número de teléfono que figura en tu postal de invitación) o puedes enviar tu formulario de respuesta por correo postal.

Día del censo (1 de abril) y otras fechas importantes

Cada dirección postal física recibirá una postal con instrucciones sobre cómo participar en el censo de EE. UU., además de cartas recordatorias, desde hoy hasta el 27 de abril.

El censo de EE. UU. comenzó a aceptar respuestas en línea, por teléfono y por correo el 12 de marzo. El 1ero. de abril se considera el día del censo, lo que significa que todas las preguntas que respondas en el formulario del censo deben incluir a las personas que viven en tu hogar a partir del 1ero. de abril.

De abril a junio, se realizarán recuentos de instalaciones grupales como dormitorios y residencias para ancianos.

En mayo, los trabajadores del censo visitarán los hogares de los no encuestados.

Y finalmente, en diciembre, los datos del censo serán entregados al presidente y al congreso.

8 things everyone should know about filing for bankruptcy

Editor’s Note: Sponsored content brought to you by Diana A. Ray, Attorney at Law

Bankruptcy is a fresh start for people who are unable to pay down their debts (see factbox). Bankruptcy gets rid of dischargeable debt, completely free and clear, and it’s tax free.
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How do you know if it’s time to consider bankruptcy?
  • You’re making minimum payments and sinking in interest rates.
  • You’re finding yourself without any disposable income every month.
  • You’re unable to pay down your debts.
  • Your expenses are more than your income.
  • You’re considering credit consolidation (talk to an attorney before you go this route).

Schedule a consultation with Glenwood Springs bankruptcy attorney Diana A. Ray to learn if bankruptcy is right for you. Visit dianaraylaw.com, call 970-945-8571 or email Diana Ray at dianaraylaw@gmail.com for more information.

 

Attorney Advertising. This article is designed for general information only. The information presented in this article should not be construed to be formal legal advice nor the formation of a lawyer/client relationship.

 Diana A. Ray, Attorney at Law is a Debt Relief Agency helping people file for bankruptcy relief under the Bankruptcy Code.

When people fall on hard financial times, there’s one opportunity that creates a fresh start: bankruptcy.

The most responsible people in the world can still end up in a hard financial situation, said Diana A. Ray, a bankruptcy attorney in Glenwood Springs. And now, given the coronavirus pandemic and its effects on the economy, more and more people are finding themselves in scary and uncertain situations.

“I want people to know that bankruptcy is not a bad thing — it’s a right that we all have,” Ray said.

While bankruptcy is often a last resort, it’s also symbolic of hope and new beginnings. Here are some of the most important facts about filing for bankruptcy.

1. Bankruptcy is a fresh start

A bankruptcy gets rid of a person’s dischargeable debt, completely free and clear, and it’s tax free. Ray said if you owe a creditor $20,000, for example, and the creditor will settle that debt with you for $10,000, you’d still have to pay taxes on the remaining $10,000. With a bankruptcy, you don’t owe the debt or the taxes — and it’s gone for the rest of your life.

When you file for bankruptcy, you have to take a credit counseling course which helps debtors budget their income and expenses.

“It really helps them in the long run to avoid filing for bankruptcy again,” Ray said.

Ray points out that once you file bankruptcy, you’re on the hook for any debt acquired after the date of the bankruptcy filing. A person cannot file for bankruptcy again for another eight years.

2. Bankruptcy is nothing to be ashamed of

Ray’s bankruptcy clients are hard-working, responsible people who have fallen on hard times for various reasons. Some were trying to keep their small businesses afloat, while others built credit card debt they thought they could pay back.

For some, a job loss occurs at the same time as unforeseen medical or other expenses — next thing you know you just can’t keep up with the bills, Ray said.

“It doesn’t mean you’re incompetant or irresponsible,” Ray said. “There’s a stigma around bankruptcy, which is really unfortunate.I would say that most of my clients can’t avoid it.”

3. Creditors can no longer collect on you

Diana A. Ray, Glenwood Springs bankruptcy attorney.

Once you file bankruptcy, creditors are no longer able to collect on you. What’s more, these creditors can no longer harass you regarding the outstanding debt.

“If you’re getting calls from creditors, once you file they have to stop,” Ray said. “It’s called an automatic stay and there are enormous penalties for creditors if they violate it.”

4. Some debts are excluded

Not all debts get erased after filing for bankruptcy. The most common debts that are considered nondischargeable are alimony, child support payments, student loans, and certain tax debt.

“It’s important to talk to an attorney to figure out your options and which debt is dischargeable and which is not depending on which Chapter of bankruptcy you file” Ray said.

5. You will be able to build your credit again

While it’s true your credit score will go down after a bankruptcy, it’s not hard to rebuild your credit and increase your score after filing.

“For many of my clients, their credit score was already bad,” Ray said.

The bankruptcy filing shows up on a credit report for 10 years, but within a year of filing you can start to see increases to your credit score.

“I counsel people on how to increase their credit,” Ray said. “After you file, you’ll be bombarded with offers for loans and credit cards. The interest rate might be higher because of the bankruptcy, but you will get offers.”

Ray said it’s important to build credit again by opening accounts and paying them off. You could open one credit card account, for example, and charge just $20 per month to it and then pay it off in full.

“It shows you’re paying off your monthly debt,” she said.

6. Your home may be protected

Many people worry that because they own assets such as real property, they won’t be able to hold on to those assets after a bankruptcy.

“That might not be true,” Ray said. “Your home is protected as long as it’s under the exemption amount. If you meet the criteria — and most people commonly do — it’s protected.”

There are certain criteria you have to meet, thus, it is always a good idea to discuss your options with a bankruptcy attorney.

7. You can file without your spouse

If you’re married, you can file for bankruptcy on your own or jointly with your spouse. If you file solo, the bankruptcy won’t appear on your spouse’s credit, Ray said.

“In determining whether a joint or single filing is warranted, it just depends on the scenario,” she said. “I routinely file for clients without their spouse being involved.”

8. Bankruptcy is complicated, an attorney is highly recommended

Filing for bankruptcy is a complex process. There are many nuances to the law that could backfire if overlooked.

For example, listing all creditors, listing the appropriate exemptions for assets, and knowing what kind of expenses you can or can’t incur leading up to the filling. An attorney will navigate all of those details.

“At any point, if you’re contemplating bankruptcy, call an attorney because there’s so much planning that needs to be done — so many things you need to do or not do that could affect your bankruptcy.”

“If you think you might file in the future, it’s so important to talk to an attorney. If you think you might be in this situation six months from now, talk to me now.”