Please scroll through this page for a variety of community and family resources.
Hiring Event Coming July 21st!
Click on this link to get all the details about a special hiring event for hospitality jobs. Teens are especially invited to attend.
Attention Small Business Owners!
Now you can get the small business lending information you need in one convenient location at www.smallbizlending.org.
I encourage you to try out this new tool designed to help small businesses in securing loans.
Many small business resources are now centralized on this website – links, FAQs, fact sheets, lender matrix, loan diagram and more. As you know, banks are restricted by government on the loans they can make. If banks are unable to make a particular loan, then they can work with nonbank lenders (identified on the web site) who have more flexibility and perhaps can make the loan.
The goal of www.smallbizlending.org is to create jobs, and help the economy. This is done by maximizing conditions for small business to get loans approved. Lenders will do all they can to make good loans, and thanks to www.smallbizlending.org, you can learn how to qualify for your small business loan.
SCHOOLS & EDUCATION
RESOURCES FOR COLORADO FAMILIES
This service provides a direct link to non-emergency help for people seeking health and human services. It is both a database of nonprofits and a referral system to services like transportation, food banks, healthcare clinics and shelters. Free Service.
Child Health Plan Plus (CHP+)
The Child Health Plan Plus provides health insurance coverage for low-income children (18 years of age and younger) and pregnant women (19 years of age and older) to Colorado residents.
Colorado Child Care Assistance Program (CCCAP)
The Colorado Child Care Assistance Program provides financial assistance to low-income families that are employed, looking for work or are in training, and families that are enrolled in the Colorado Works Program and need child care services to support their efforts toward self-sufficiency. The CCCAP is administered through county departments of social services.
Meals on Wheels
Meals on Wheels is a national nonprofit organization providing training and grants to programs that provide food to older people, and those who are frail, disabled, at-risk, or homebound. Thy have a website search feature to look for services in your area.
Low Income Energy Assistance Program (LEAP)
LEAP helps low income individuals and families pay their utility bills.
Colorado Department of Human Services
A clearinghouse of information on state services sorted by agency, by need, or even by county. Services include Medicaid and Medicare, food and childcare assistance, welfare, alcohol and drug abuse, foster care, housing and many others.
Colorado Office of Unemployment
Information on how to file a claim, eligibility requirements, the appeal process and more.
Colorado Legal Services, Denver office
Self-help legal information for civil matters, where to find no or low-cost legal help, court information and more. Check the website for offices around the state.
Colorado Food Stamps Program
The Colorado State Food Stamps Program assists low-income individuals and families by helping them purchase food. Applicants should contact their county department of human services.
Colorado workforce is a job placement web site built specifically to place people with employers throughout the state of Colorado. Colorado workforce offers job listings, computer and internet access, career counseling and training, and more. There are workforce centers all across the state.
College Invest is a not-for-profit division of the Colorado Department of Higher Education. They focus on providing expert information, simple planning tools, scholarships, savings plan, and low-cost student and parent loans.
Citizen’s Guide to Colorado State Government Agencies
HOME OWNERSHIP RESOURCES
Colorado Foreclosure Hotline
The Colorado Foreclosure Hotline connects homeowners in some state of delinquency or foreclosure with local housing counseling agencies for free assistance.
NEWSED Community Development Corporation
Ricardo Rodriguez: 303-534-8342
Hope Now 888-995-4673
Brothers Redevelopment, Inc.
2250 Eaton Street- Garden Level, Suite B
Denver, CO 80214
WIN Home Inspection
Tom Gould 303-752-9400
Money Management International, credit counseling
Aurora Business Development Center
9801 E. Colfax Ave, Suite 200
Aurora, CO 80010-2155
Habitat Metro Denver
1500 W. 12th Avenue
Fair Housing HUD
U.S. Dept. of Housing and Urban Development
1670 Broadway, 22nd Floor
Denver, CO 80202
Lending Discrimination in Colorado
Dept. of Regulatory Agencies (DORA)
DORA’s Division of Civil Rights
1560 Broadway, Suite 1050
303-894-2997 or 1-800-262-4845
DORA’s Division of Real Estate
303-894-2166 or 303-894-2185
Colorado Foreclosure Hotline
Equal Housing Opportunity
CO Civil Rights Division
1560 Broadway, Room #1050
303-894-2997 (Metro Area)
1-800-262-4845 (Outside Metro Area)
Federal Housing Administration
HUD Housing Counseling:
Office of Native American Programs
U.S. Dept. of Housing and Urban Development
451, 7th Street NW
Washington, D.C. 20410
Health Insurance Counseling
Medicare and Medicaid benefits
Supplemental insurance and Medigap plans
Long-term care insurance
Medicare Part D Prescription Drug Coverage Assistance
Receive free, confidential counseling, available for everyone with Medicare.
Free online screening tool helps you determine eligibility for additional public and private savings programs, including:
Helpful Tips from the Centers for Medicare and Medicaid Services
High-Tech Tools to Manage Your Health Information
Even if you don’t use a computer, there are new ways to help manage your health information and improve how you and your health care providers communicate. This electronic technology (also called Health Information Technology or Health IT) can help improve the quality of your health care. It can also reduce paperwork, medical errors, and health care costs.
Here are two examples of Health IT that your health care providers might already be using:
Electronic Prescribing—An electronic way for your prescribers to write and send your prescriptions directly to your pharmacy.
Electronic prescribing can help you save money.
·Providers can instantly check which drugs are covered under your insurance plan, so they can prescribe a covered drug that costs you less.
Electronic prescribing can help you save time.
· You no longer have to drop off a paper prescription and wait for the pharmacist to fill it. In most cases, your electronic prescription will be ready when you arrive.
· There are fewer phone calls and faxes between your provider and your pharmacy. This means you get your prescriptions sooner.
Electronic prescribing can help keep you safe.
·Electronic prescriptions are easier for the pharmacist to read than handwritten prescriptions. This means there’s less chance of prescription mistakes.
· Prescribers will have secure access to your prescription history, so they can immediately alert your provider to potential drug interactions, allergies, or other health risks.
Electronic Health Records (EHRs)—An EHR is a safe and confidential computer record of your health care history and treatment that is used by your doctor, your doctor’s staff, or a hospital. If your health care providers use EHRs, they can join a network to securely share your health records with other providers that treat you. This is sometimes called “health information exchange.” Remember, just like yourpaper records, EHRs are protected by state and federal privacy laws, including the Health Insurance Portability and Accountability Act of 1996.
EHRs can help improve the quality and efficiency of your health care in the following ways:
- Providing an instant medical history. This could be especially helpful in urgent care situations or when you are unable to provide information yourself, such as during an emergency room visit or if you are unconscious.
· Allowing all your doctors and other providers to see the same up-to-date information about your condition, treatments, tests, and prescriptions so they can better coordinate your care.
· Helping to lower the chances of medical errors and duplicate tests and treatments.
Here are several examples of Health IT that you, the consumer, can use:
Personal Health Records (PHRs)—A collection of health information kept on a computer and maintained and updated by you or someone helping you. A PHR provides a downloadable, easy reference to your health history and personal information that you choose to enter such as health insurance coverage, contact information for your physicians and pharmacies, and other information described below.
- These easy‑to‑use tools can help you manage your health information from anywhere you have internet access.
- With your permission, some providers and health plans are able to enter information into your PHR to help you maintain a complete picture of your health.
- Even if your provider doesn’t enter information directly into your PHR, you can enter and track important health information yourself such as major illnesses or operations, allergies, a current list of your prescription medications, or the date of your last physical examination.
- PHRs are often offered by providers, health plans, and private companies. Some PHRs are free, while others may charge you a fee. To learn more about PHRs and to find one that might be helpful to you, visit www.myphr.com
If you decide to use a PHR, you will want to be sure your records are being kept on a secure Web site. With a secure Web site, you usually have to create your own user ID and password, and the information you type is encrypted (meaning that it’s kept private by using a secret code) so other people can’t read it.
There are Federal and state laws that protect the privacy and security of your information. PHRs that aren’t sponsored or maintained by health plans or health care providers may not have privacy rules. When choosing a PHR, always read the sponsor’s privacy and security policies and be sure you understand them. Visitwww.medicare.gov/phr to learn more.
MyMedicare.gov—Part of the Medicare.gov web site, MyMedicare.gov is a free and secure site where you can check the status of your eligibility, enrollment, and other Medicare benefits. It also allows you to access your claims information once they are processed by Medicare. The site also provides you with preventive health information 24 hours a day, 7 days a week. Visit www.mymedicare.gov and sign up today.
Medicare’s “Blue Button”—MyMedicare.gov has a new “Blue Button” feature that gives you the ability to download your Medicare claims and self-entered personal information and health information such as emergency contact information, names of pharmacies and providers, self-reported allergies, medical conditions, and prescription drugs.
After logging on to the secure www.MyMedicare.gov site, you can click the Blue Button and download a computer file of your claims data and personal and health information that you can share, on paper or in digital form, with health care providers, caregivers, and family members. The file may also be imported into a PHR that can accept the format.
·Having ready access to information from Medicare claims and self-entered personal health information can help you more fully understand your medical history and partner more effectively with providers.
· The Blue Button data file also can be imported into other health management tools, such as one of the PHR tools described above and available in the market place today. To find a PHR that can upload the blue button file, visit www.myphr.com
· The Blue Button is safe, secure, reliable and easy to use!
Visit www.mymedicare.gov to sign up for your account and use the Blue Button today!
Financial Tips for 2014 Graduates
As students graduate from colleges and universities across the country and begin to plant the seeds for their financial future, the Independent Bankers of Colorado (IBC) Education Foundation (IBCEF) offers tips to help graduates manage finances in the “real world.”
“Graduation is an exciting time for students who are often anxious to gain financial independence,” says IBC executive director Barbara Walker. “It’s important to remember that the financial decisions you make now will affect your future for years to come, so take a moment to outline your short- and long-term financial goals and come up with a monthly budget that will work for you. This is one simple exercise that will be well worth any recent grad’s time. You’ll thank yourself a few months and a few years down the line.”
Walker suggests that students who don’t already have their own individual bank accounts (not cosigned by mom and dad) open one immediately. “Look to a community banker who can work with you one-on-one to make a financial plan that suits your individual needs,” she added. You can find a community bank near you by visiting www.ibcbanks.org or the IBC’s national affiliate, the Independent Community Bankers of America (ICBA) at www.banklocally.org or downloading the free ICBA locator app for your iPhone, Android or BlackBerry.
Other tips from the IBCEF include:
– If you don’t have strong financial literacy skills, take some time to educate yourself on money matters, such as credit and ways to save for retirement. There is an abundance of resources available from programs such as FDIC Money Smart.
– Understand credit, how to build it and what hurts it.
– Set up online banking to help you manage your finances from anywhere.
– Start saving for retirement now even if it does seem like a long way away. Many employers offer investment matching plans to help you get started.
– Set up an automatic savings account that pulls from your account every month as soon as you get your paycheck. Some employers also allow you to defer savings to another account. If you don’t see it, chances are you won’t miss it so much. Having a safety net in your savings account will help you stress less.
– Stay on top of any student loans, don’t miss deadlines and consolidate if appropriate. Some companies will help you pay off your student debt; make sure to ask about this when negotiating your new job.
– Review your banking, credit card and loan statements regularly so you can be aware of any errors.
– If you move, notify your bank, card and loan issuers immediately.
– If closing a bank account, confirm that the account and appropriate lines of credit have been closed by verifying with the bank.
– Take advantage of working with financial planners at your bank who can help you create your financial roadmap and a smart monthly budget for this stage in your life.
“This stage of a grad’s life is all about empowerment—and financial matters are no different,” according to Walker. “We congratulate this year’s college grads and wish them a prosperous financial future.”
Provided as a public service by the
Independent Bankers of Colorado Education Foundation.
NOTE: The links listed on this page are provided for your convenience and information to give you tools to be involved, and do not necessary imply an endorsement from the organization to Su Ryden or vice versa.