We love hearing from you! If you would like to find out more about our financial services, please feel free to call or fill out the form. We will get back with you as soon as possible. Smarter Women Colorado Pat Frederiksen 550 S. Wadsworth Blvd. Suite 401 Lakewood CO 80226 303-919-1020 cell 855-287-5880 toll… [Continue Reading]

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We offer these types of financial resources and visual aids to help you with preparing for all of your financial needs – please let us know if we have missed something! Financial Goal Curve We have different financial needs at different times in our lives. This curve shows how our financial needs start low, then… [Continue Reading]

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Smarter Women Colorado is dedicated to helping women achieve financial freedom. We have access to state of the art insurance products which can facilitate your retirement planning, wealth building, financial and insurance needs. Pat Frederiksen of Smarter Women Colorado has been working with women for years, helping them to achieve financial freedom. The reason Pat… [Continue Reading]

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March 2015 free events

  birthday cake clip art3/1 Rocky Mountain Park is 100 years old!

3/1 Buffalo Bill Museum
987 1/2 Lookout Mountain Road, Golden 80401
The Buffalo Bill Museum will have a free day on Sunday March 1, 2015, from 9 am to 5 pm. In celebration of Buffalo Bill’s Birthday free cake and ice cream will be served at noon and continue while supplies last. http://www.buffalobill.org/index.html

3/1 12 noon – 4pm Boulder History Museum
1206 Euclid Ave., Boulder 80302

http://boulderhistory.org/index.asp

3/2 Denver Museum of Nature and Science
2001 Colorado Blvd. Denver 80205

http://www.dmns.org/

note3/2 2pm start Mondays at MSU
MSU Department of Music, 855 Lawrence Way, Denver, King Center
Recitals and music ensembles

4th of july13/3 National Anthem Day
A day for enjoying a good, patriot sing-a-long. National Anthem Day encourages you to sing your own national anthem, but also those of other countries.

flower pink3/3 Chatfield – Denver Botanic Gardens
8500 W. Deer Creek Canyon Rd., Littleton 80128

http://www.botanicgardens.org/our-gardens/chatfield

kids3/3 4 – 6pm Children’s Museum
2121 Children’s Museum Dr., Denver 80211

http://mychildsmuseum.org/events/TargetTuesdayNights.aspx

note3/3 7:30pm Symphonic Band I and Concert Band
MSU Department of Music, 855 Lawrence Way, Denver, King Center

paletteFridays 6 – 8pm Clifford Still Museum
1250 Bannock St., Denver 80204

http://clyffordstillmuseum.org/info

palette3/6 First Friday Art Walks
Art District on Santa Fe – Artify Your Brain. See, taste and feel the energy that is Denver’s Art District on Santa Fe
Belmar Block 7 Art District – Block 7 will feature four artist–owned working studios, a photographic school and a gallery showcasing a wide range of artwork by local artists. (Located in the Belmar City Center in Lakewood.)
Golden Triangle Museum District – Meet the artists, see new exhibitions, shop for local art and get inspired at the galleries open on First Friday. The neighborhood is also home to the Denver Art Museum, Clyfford Still Museum, Kirkland Museum, Denver Firefighters Museum and the Byers–Evans House Museum with Plein Air art on display.
Navajo Street Art District – Stroll the district tucked away in the Lower Highlands area of Denver, home to amazing galleries, great performance art and ample parking. Join us for Day of the Dead celebrations. It’s truly one of the best little Art Districts in town to experience art!
Old South Gaylord & South Pearl – Take time to visit these two neighborhoods south of downtown Denver; both are home to many artist’s studios and galleries, along with one–of–a–kind shops and restaurants.
RiNo (River North Art District) – Tour the district “Where art is made!” RiNo is home to creative businesses and more than 60 galleries and studios and 150 artists including painters, media artists, sculptors, photographers, illustrators, designers and furniture makers.

3/6 Four Mile Historic Park
715 S. Forest St., Denver 8022246
Travel back to 1859…for free! Enjoy a tour of the Four Mile House Museum – a Denver Landmark, panning for gold, and meeting our many farm-animals! On the first Friday of each month, Four Mile Historic Park is offering free general admission, courtesy of the support provided by your Scientific & Cultural Facilities District.
www.FourMileHistoricPark.org

3/6-8 Ski Joring and Crystal Carnival
Leadville
Blending the Old West and extreme sports, Leadville celebrates winter with its annual ski joring weekend. Leadville, the highest incorporated city in North America, has been hosting ski8 joring competitions since 1949. The event, which consists of horse-and-rider teams pulling skiers down a snow-packed road over jumps while spearing rings in a timed competition, draws teams from all over the country. Activities also include Nordic sprints, a winter mountain bike race, broomball games and a paintball biathlon.

palette3/7 Denver Art Museum
100 W. 14th Ave. Pkwy., Denver 80204
http://www.denverartmuseum.org/

movie3/7 and 3/21 2 – 4pm Family Movie
Conifer library
Relax on the first and third Saturdays with an afternoon movie for the whole family. These G and PG rated films will be a mix of recent movies and some classics from childhood that parents may want to share with their children.

http://jefferson.lib.co.us/locations/conifer-library

3/7 Colorado Railroad Museum
17155 W. 44th Avenue, Golden, CO 80403 (map)
Optional train rides $4 adults, $2 for kids. Colorado Railroad Museum members receive $1 discount per train ride ticket.

http://coloradorailroadmuseum.org/events/scfd-days/

note3/7 4:30pm Lamont Jazz Concert – The Flex Ensemble
Lamont School of Music, 2344 E. Iliff Ave., Denver 80208, Newman Center for the Performing Arts
Lamont’s new Flex Ensemble, a jazz rhythm section with instrumentation from our classical and vocal performers, performs under the direction of new faculty member Steve Wiest.

alarm clock  3/8 Daylight Savings Begins
set your clocks ahead 1 hour

cruise lady  3/8 Women’s Day
Women’s Day is celebrated internationally, aiming to raise awareness of the challenges, struggles and continuing inequality faced by women worldwide. It celebrates women’s history, highlighting key events, milestones and achievements, and aims to further promote and raise awareness of women’s rights and to achieve equal opportunity status in all walks of life.

3/8 12 noon – 2pm DCPA – Family Fun Forum
1101 13th St, Denver 80204 – Robert and Judy New Center for Theatre Education
Fun, exciting and hilarious adventures for all. Discover all kinds of performance skills and win tokens redeemable for prizes at our Family Fun Forums.

http://www.denvercenter.org/events/family-fun-forum

note3/9 7:30 pm Senior Recital
MSU, King Center on Auraria Campus

note3/10 6pm MSU Denver Jazz Combos
MSU, King Center, Auraria Campus

note3/11 7:30pm Lamont Wind Ensemble
Lamont School of Music, Newman Center for the Performing Arts

note3/11 7pm MSU Denver Jazz Orchestra
Mercury Café

flower pink3/11, 3/23 9am – 5pm Hudson Gardens
6115 S. Santa Fe Dr., Littleton 80120

http://www.hudsongardens.org/content/hoursandprices.php

palette3/11, 3/18, 3/20, 3/28 Museum of Outdoor Arts
1000 Englewood Parkway, Englewood 80110
Gallery Hours: Mon-Thurs 9-5 Fri 9-4 Sat 11-4
http://www.moaonline.org/HOME/tabid/36/Default.aspx Indoor

3/13 – 15 Frozen Dead in Ned in a Tuff Shed
Nederland
Celebrating its 14th year in 2015, Nederland, Colorado’s Frozen Dead Guy Days is known as one of the most unique and quirky festivals in the country and continues to be a world-renowned spectacle. The home-grown frosty fest pays homage to Bredo Morstol who is frozen in a state of suspended animation and housed in a Tuff Shed on dry ice high above Nederland. Thousands of adventurous, life enthusiasts come annually to participate in and view the events along with local, national and international media and entertainment.
What Happens at Frozen Dead Guy Days?
 Amazing Live Music Showcase in two super tents
 Coffin Racing
 Costume Polar Plunging
 Over 20 Live Bands (Local & National acts)
 Frozen T-shirt Contests
 Ice Turkey Bowling
 Snowy Human Foosball
 Friday The 13th “Superstition” Blue Ball (3 live bands)
 Ice Queen & Grandpa “look a like” Costume Contest
 Brain Freeze Contests
 Parade of Hearses
 Frozen Salmon Toss
 Theatrical Wu Shu performance
 Frozen Dead Poet Slam

4 leaf clover3/14 St. Patrick’s Day Parade – Denver
Since 1963. A very traditional St. Patrick’s Day parade where they will be wearin’ the green. The Mile High City is home to one of the largest St. Patrick’s Day Parades in the nation with 10,000 marchers, more than 240 entries, and nearly 250,000 spectators!

4 leaf clover3/14 12 noon St. Patrick’s Day Parade – Colorado Springs

lego3/14 and 3/28 2 – 4pm LEGO Maniac
Englewood Public Library, 1000 Englewood Pkwy., Englewood
Crazy about Legos? If you are, you’re invited to join us for our LEGO Maniac workshop. We have LEGOs of all shapes and sizes, and you build it and talk about it, then we’ll check out what others have built. Grades K-5. Parents are invited to help. Space is limited so first come, first served. Tickets will be available starting at 1:30 p.m.
For more information visit call 303-762-2560.

3/14 Longmont Museum
400 Quail Rd., Longmont 80501
The Longmont Museum & Cultural Center, housed in a distinctive contemporary building, features changing exhibits in history, art, and science, as well as the award-winning Front Range Rising, a long-term exhibit on the history and culture of this region. An expansion project currently underway will add the 250-seat Stewart Auditorium and Cone-Shortall stage, the Swan Atrium, and the Kaiser Permanente Education Center to the Museum.

http://www.longmontcolorado.gov/departments/departments-e-m/museum

flower pink3/22 Denver Botanic Gardens
1007 York St., Denver 80206

http://www.botanicgardens.org/

palette3/27 5pm Last Friday Gallery Walk
Downtown Evergreen
Each Last Friday of the month the galleries in Downtown Evergreen remain open during evening hours. Enjoy refreshments while viewing the rich variety of oil, watercolor and pastel paintings; photography; ceramics; blown, fused and cast glass; metal sculpture; textiles and hand crafted jewelry. You will have an opportunity to meet the local artists who are showing their work and offering demonstrations at many of the galleries. Enjoy dinner at one of the unique Downtown Evergreen restaurants and make your evening complete.
www.downtownevergreen.com

3/28 12 noon Teenage Mutant Ninja Turtle Pizza Party!    teen age mutant ninja turtles
Central Library Aurora
call 303-739-6630 to register
Join us for a TMNT pizza party and we’ll make masks, accessories and compete in an obstacle course! Ages 5 -12. Registration required.

401(K) Plans: Greater Protections Needed for Forced Transfers and Inactive Accounts

What GAO Found
GAO-15-73: Published: Nov 21, 2014. Publicly Released: Dec 22, 2014.

When a participant has saved less than $5,000 in a 401(k) plan and changes jobs without indicating what should be done with the money, the plan can transfer the account savings—a forced transfer—into an individual retirement account (IRA). Savings in these IRAs are intended to be preserved by the conservative investments allowed under Department of Labor (DOL) regulations. However, GAO found that because fees outpaced returns in most of the IRAs analyzed, these account balances tended to decrease over time. Without alternatives to forced-transfer IRAs, current law permits billions in participant savings to be poorly invested for the long-term. GAO also found that a provision in law allows a plan to disregard previous rollovers when determining if a balance is small enough to force out. For example, a plan can force out a participant with a balance of $20,000 if less than $5,000 is attributable to contributions other than rollover contributions.

Some 401(k) plan participants find it difficult to keep track of their savings, particularly when they change jobs, because of challenges with consolidation, communication, and information. First, individuals who accrue multiple accounts over the course of a career may be unable to consolidate their accounts by rolling over savings from one employer’s plan to the next. Second, maintaining communication with a former employer’s plan can be challenging if companies are restructured and plans are terminated or merged and renamed. Third, key information on lost accounts may be held by different plans, service providers, or government agencies, and participants may not know where to turn for assistance. Although the Social Security Administration provides individuals with information on benefits they may have from former employers’ plans, the information is not provided in a consolidated or timely manner that would be useful to recipients.

The six countries GAO reviewed address challenges of inactive accounts by using forced transfers that help preserve account value and providing a variety of tracking tools referred to as pension registries. For example, officials in two countries told GAO that inactive accounts are consolidated there by law, without participant consent, in money-making investment vehicles. Officials in the United Kingdom said that it consolidates savings in a participant’s new plan and in Switzerland such savings are invested together in a single fund. In Australia, small, inactive accounts are held by a federal agency that preserves their real value by regulation until they are claimed. In addition, GAO found that Australia, the Netherlands and Denmark have pension registries, not always established by law or regulation, which provide participants a single source of online information on their new and old retirement accounts. Participants in the United States, in contrast, often lack the information needed to keep track of their accounts. No single agency has responsibility for consolidating retirement account information for participants, and so far, the pension industry has not taken on the task. Without a pension registry for individuals to access current, consolidated retirement account information, the challenges participants face in tracking accounts over time can be expected to continue.

Why GAO Did This Study

Millions of employees change jobs each year and some leave their savings in their former employers’ 401(k) plans. If their accounts are small enough and they do not instruct the plan to do otherwise, plans can transfer their savings into an IRA without their consent. GAO was asked to examine implications for 401(k) plan participants of being forced out of plans and into these IRAs.

GAO examined: (1) what happens over time to the savings of participants forced out of their plans, (2) the challenges 401(k) plan participants face keeping track of retirement savings in general, and (3) how other countries address similar challenges of inactive accounts. GAO’s review included projecting forced-transfer IRA outcomes over time using current fee and return data from 10 providers, and interviews with stakeholders in the United States, Australia, Belgium, Denmark, the Netherlands, Switzerland, and the United Kingdom.

What GAO Recommends

GAO recommends that Congress consider (1) amending current law to permit alternative default destinations for plans to use when transferring participant accounts out of plans, and (2) repealing a provision that allows plans to disregard rollovers when identifying balances eligible for transfer to an IRA. Among other things, GAO also recommends that DOL convene a taskforce to explore the possibility of establishing a national pension registry. DOL and SSA each disagreed with one of GAO’s recommendations. GAO maintains the need for all its recommendations.

For more information, contact Charlie Jeszeck at (202) 512-7215 or jeszeckc@gao.gov.

February 2015 Free & Fun Events

snowflake2/1-15 Steamboat Springs Winter Carnival
Steamboat Springs residents have been reveling in the town’s annual bounty of trademark Champagne Powder since 1914. The five-day Steamboat Springs Winter Carnival, held each year, features ski-jumping competitions, dog-sled pulls, cross-country obstacle races, a tubing party and a spectacular fireworks display.

2/1 Super Bowl Sunday – Seahawks vs. Patriots

2/1 12 noon – 4pm Boulder History Museum
1206 Euclid Ave., Boulder 80302

http://boulderhistory.org/index.asp

groundhog2/2 Groundhog Day

 

flower pink2/3 Chatfield – Denver Botanic Gardens
8500 W. Deer Creek Canyon Rd., Littleton 80128

http://www.botanicgardens.org/our-gardens/chatfield

kids2/3 4 – 6pm Children’s Museum
2121 Children’s Museum Dr., Denver 80211

http://mychildsmuseum.org/events/TargetTuesdayNights.aspx

tiger2/6, 2/7 Denver Zoo
2300 Steele St., Denver 80205

http://denverzoo.org/

2/6 Four Mile Historic Park
715 S. Forest St., Denver 8022246
Travel back to 1859…for free! Enjoy a tour of the Four Mile House Museum – a Denver Landmark, panning for gold, and meeting our many farm-animals! On the first Friday of each month, Four Mile Historic Park is offering free general admission, courtesy of the support provided by your Scientific & Cultural Facilities District.
www.FourMileHistoricPark.org

snowflake2/7 Lake City Ice Climbing Festival
Top-roped and lead-speed climbing competitions take place on Lake City’s beautiful blue wall of ice.

palette2/7 Denver Art Museum
100 W. 14th Ave. Pkwy., Denver 80204

http://www.denverartmuseum.org/

flower pink2/11, 2/17, 2/23 9am – 5pm Hudson Gardens
6115 S. Santa Fe Dr., Littleton 80120

http://www.hudsongardens.org/content/hoursandprices.php

palette2/11, 2/14, 2/18, 2/20, 2/28 Museum of Outdoor Arts
1000 Englewood Parkway, Englewood 80110
Gallery Hours: Mon-Thurs 9-5 Fri 9-4 Sat 11-4
http://www.moaonline.org/HOME/tabid/36/Default.aspx Indoor

movie2/13 6 – 8pm Family Movie Night
Englewood Recreation Center, 1155 W. Oxford Ave., Englewood 80110
Movie Nights are a great way to cure cabin fever. Bring your blankets, pillows, and camp chairs.

palette2/13, 2/20, 2/27 6 – 8pm Clifford Still Museum
1250 Bannock St., Denver 80204

http://clyffordstillmuseum.org/info

snowflake2/13-15 Pagosa Springs’ Winterfest
Are you brave enough to submerge yourself in the San Juan River’s Penguin Plunge? Test your sledding skills in the Anything Goes Downhill Sled Race or sit back and watch the Rail Jam competition in Pagosa Springs.

snowflake2/13-15 Cripple Creek Ice Festival
Artists deftly use chainsaws to carve clear creations along Cripple Creek’s main street, while families frolic through an ice maze and sip hot chocolate

heart2/14 Valentine’s Day

 

lego2/14 2 – 4pm Lego Maniac
Englewood Public Library = Storytime Room, 1000 Englewood Parkway, Englewood
Crazy about Legos? If you are, you’re invited to join us for our LEGO Maniac workshop. We have LEGOs of all shapes and sizes, and you build it and talk about it, then we’ll check out what others have built. Grades K-5. Parents are invited to help. Space is limited so first come, first served. Tickets will be available starting at 1:30 p.m.
For more information visit call 303-762-2560.

2/14 Longmont Museum
400 Quail Rd., Longmont 80501
The Longmont Museum & Cultural Center, housed in a distinctive contemporary building, features changing exhibits in history, art, and science, as well as the award-winning Front Range Rising, a long-term exhibit on the history and culture of this region. An expansion project currently underway will add the 250-seat Stewart Auditorium and Cone-Shortall stage, the Swan Atrium, and the Kaiser Permanente Education Center to the Museum.

http://www.longmontcolorado.gov/departments/departments-e-m/museum

2/14-16 National Parks
Enjoy our national parks all week end. (fyi-Pikes Peak is not a national park.)

presidents2/16 President’s Day

flower pink2/16 Denver Botanic Gardens
1007 York St., Denver 80206

http://www.botanicgardens.org/

2/17  Fat Tuesday – Mardi Gras

2/18 Ash Wednesday

dragon2/19 Chinese New Year – Year of the Sheep
Charateristics of people born in the year of Sheep are tender, polite, filial, clever, and kind-hearted. They have special sensitivity to art and beauty, faith in a certain religion and a special fondness for quiet living. They are wise, gentle and compassionate and can cope with business cautiously and circumspectly. In their daily life, they try to be economical. Women born in this year are willing to take good care of others, but they should avoid pessimism and hesitation. They are kind in heart and commonly have symmetrical figures and features.

dollar sign2/21 10 – 11:30am Women and Money 1 – a Beginner’s Class
Apex Senior Rec Center, 6842 Wadsworth Blvd. Arvada 80003
As women we know that we have different priorities and learning styles than men. Women ten to live longer, choose safety over risk, are care givers and plan for the future. This class covers the financial planning process from start to finish.
Presented by FUEL Financial and taught by Jo-Ann Holst CFP.
RSVP to Collette 720-287-5880

movie2/21 2 – 4pm Family Movie
Conifer Public Library,

http://jefferson.lib.co.us/locations/conifer-library

snowflake2/28 Winterfest & Taste of Colorado’s Best
Mt. Lugo Luge, Meyer’s Ranch Open Space
Get your team and your costumes ready for the Mt. Lugo Luge competition on the sled hill at Meyer’s Ranch and then join us at Colorado’s Best Beers for our Taste of Colorado’s Best. All drinks (beer, wine, soda) and food are products of our great state
303-838-5711

dollar sign2/28 10 – 11:30am Women and Money 2 – Investments and Income Planning
Apex Senior Rec Center, 6842 Wadsworth Blvd. Arvada 80003
Building on the basics, this class goes into more detail about investment choices and income planning.
Presented by FUEL Financial and taught by Jo-Ann Holst CFP.
RSVP to Collette 720-287-5880

Clean your Finances

As you prepare for tax time, why not look at your finances in depth. Are you getting statements and not know what they about? You are getting all your documents together for tax time, so why not take a little extra time and get your financial house in order. Taxes, fees and losses harm your finances more than you think. Before you put your taxes away, lets take a look at your financial picture. There is no fee for a consultation.
Banking-Consolidate your accounts. Check your financial statements and bill pay; toss old statements because we receive an overwhelming number of monthly statements. While some financial whizzes use different accounts for different reasons, piling up benefits and perks, most people will benefit by streamlining accounts with a single financial institution.
Credit-Pull your credit report from all three bureaus-Transunion, Experian and Equifax. It is free once a year. A 50- or 100-point change in your credit score can mean the difference between great loan terms and terrible ones, and inaccuracies in your credit report can drag that score down at least that much. Do yourself a favor and double-check it, says Liz Weston, author of “Easy Money.” Once you have your reports, compare interest rates on your credit cards and pay off debt. Pay off holiday debt once and for all. What does your current debt load look like? Now is a good time to look at your total outstanding debts and see which loans or credit cards you could pay off entirely this year. At the very least, put yourself on a stricter debt payoff plan, and pay off any debt you accumulated over the holidays. Cleaning up this debt quickly can put you in a much better financial position for the rest of the year. I can help you read your credit report and suggest any credit repair/improvement.
www.annualcreditreport.com

Old accounts-Have you left accounts and forgotten about them? Stock, bank accounts, 401(k), insurance? Look at www.missingmoney.com to see if you have money just waiting for you. Try all forms of your name including married and maiden names. Also, look at your parents names.

Your Estate-Do you have a will? Do you need a trust? Need updates to existing documents? Have you had children since you made your decision? Bought a house? Divorced? Inherited money? This is a good time to look at your documents once a year. A lawyer can help you determine what you need to pass on the most to your heirs. I have an estate attorney that can help you know your options.

Retirement Accounts-First of all, do have them? If so, it is time to review and to see what they are actually doing. Are they meeting your retirement goals? Is it best to put your money in your 401(k) or your own IRA? Traditional or ROTH. When is it best to take Social Security? What if you live to 120? Will you have income guaranteed for life? Do you have long term care insurance? Are you prepared for care later in life? Come to our class to find out how to maximize your benefit. I have products that can create safe, predictable, guaranteed income you can never outlive.

Organize and/or Shred Old Financial Documents-Sort through your statements, pay stubs, bills and other financial records, and keep only the documents that are absolutely necessary. Since the IRS has up to six years to audit you, keep your tax returns, canceled checks and receipts, and any records supporting your tax deduction for at least six years. If you’re unsure about whether you should get rid of certain types of receipts, scan them or make a copy, then go ahead and shred the rest. But don’t simply toss paperwork in the trash.

Record Your Financial Passwords and Store Records in a Safe Place-Make sure you’re not using the same password and log in information for all your online bank accounts and other financial accounts. Even though you might be logging in over a secure Internet connection, there’s still a risk that someone who figures out your password will attempt to access other accounts with the same log in information. Protect yourself against identity theft by logging your financial passwords in a document and storing it in a safe place.

Review your Budget-Is your budget up to date, or have you forgotten to make changes when you had an increase or decrease in income? Take a close look at your budget to see if you need to make any modifications. What will your budget be when you are retired? Will your home be paid off? Need a new car? Will you be traveling more or less? More time with the grandchildren? Make sure you’re reporting expenses accurately and have made some room for savings account contributions. I have budget worksheets for you.

Analyze Your Insurance Coverage-We all have loads of insurance premiums to pay, ranging from homeowners or renter’s insurance to health care/Medicare coverage, auto insurance, life insurance and more. The only way to know if you’re still paying competitive rates is to have a broker check them for you. You might also consider raising your insurance deductibles, where appropriate, to save money. We have an expert broker with over 20 years experience to look over your policies.

January 2015 calendar of free events

fireworks12/31 9pm and midnight New Year’s Eve Fireworks in Denver
The sky will once again sparkle over the 16th Street Mall at the close of 2014 with the New Year’s Eve Fireworks Downtown. The two spectacular fireworks shows will occur at 9 p.m. and midnight. For the best viewpoints, stand along the 16th Street Mall. Costumed entertainers will interact with crowds between shows, including magicians, mascots, balloon artists, stilt walkers, comedians and more.
Please note, between 8 p.m. and 1 a.m., RTD Light Rail trains will not cross the 16th Street Mall and mall ride shuttles will stop temporarily during the two fireworks shows.

palette1/2 First Friday Art Walks
Art District on Santa Fe – Artify Your Brain. See, taste and feel the energy that is Denver’s Art District on Santa Fe
Belmar Block 7 Art District – Block 7 will feature four artist–owned working studios, a photographic school and a gallery showcasing a wide range of artwork by local artists. (Located in the Belmar City Center in Lakewood.)
Golden Triangle Museum District – Meet the artists, see new exhibitions, shop for local art and get inspired at the galleries open on First Friday. The neighborhood is also home to the Denver Art Museum, Clyfford Still Museum, Kirkland Museum, Denver Firefighters Museum and the Byers–Evans House Museum with Plein Air art on display.
Navajo Street Art District – Stroll the district tucked away in the Lower Highlands area of Denver, home to amazing galleries, great performance art and ample parking. Join us for Day of the Dead celebrations. It’s truly one of the best little Art Districts in town to experience art!
Old South Gaylord & South Pearl – Take time to visit these two neighborhoods south of downtown Denver; both are home to many artist’s studios and galleries, along with one–of–a–kind shops and restaurants.
RiNo (River North Art District) – Tour the district “Where art is made!” RiNo is home to creative businesses and more than 60 galleries and studios and 150 artists including painters, media artists, sculptors, photographers, illustrators, designers and furniture makers.

palette1/3 Denver Art Museum
100 W 14th Ave Pkwy, Denver 80204

http://www.denverartmuseum.org/

1/4 noon – 4pm Boulder History Museum
1206 Euclid Ave., Boulder 80302

http://boulderhistory.org/index.asp

1/5, 1/25 Denver Museum of Nature and Science
2001 Colorado Blvd, Denver 80205
Natural history exhibitions, IMAX and planetarium shows, activities, and lectures that explore the wonders of science, Colorado, Earth, and the universe.
www.dmns.org

kids1/6 4-8pm Children’s Museum
2121 Children’s Museum Drive, Denver 80211

http://mychildsmuseum.org/events/TargetTuesdayNights.aspx

flower pink1/6 Chatfield Denver Botanic Gardens
8500 West Deer Creek Canyon, Littleton 80128

http://www.botanicgardens.org/our-gardens/chatfield

1/8, 1/21 9am – 4pm Aurora History Museum
15051 E. Alameda Pkwy., Aurora 80012

https://www.auroragov.org/ThingsToDo/ArtsandCulture/Museum/index.htm

palette1/10, 1/16, 1/21 MOA – Museum of Outdoor Arts
1000 Englewood Parkway Suite 2-230 Englewood, CO 80110
MOA offers indoor galleries, studios and special events and programs.

http://www.moaonline.org/HOME/tabid/36/Default.aspx

tiger1/11, 1/12, 1/22 Denver Zoo
2300 Steele Street, Denver

http://denverzoo.org/

1/11 – 1/17 Ullr Fest – Breckenridge
A good party with competitors flinging frying pans for prizes or see skiers with horned Viking hats.
Join us to rejoice with Ullr himself. Ullr is ready for a good party. In Norse mythology Ullr (pronounced Oool-er) was the winter god. He was the son of Sif and the stepson of Thor, the “God of Thunder.” Ullr loved the cold, and delighted in traveling over the country on his skis or skates. He also delighted in the chase, and pursued his game through the Northern Forests.

note1/11 4pm The Concert for Unity: Featuring CeCe Winans
Colorado community Church, 2200 S. Chambers Rd., Aurora 80014
A limited number of tickets are available and can be picked up at the following locations beginning Friday, January 2. A limit of 4 tickets per person may be picked up. For group information please call 303-739-7163. Tickets are limited, so plan ahead. TICKET PICK UP LOCATIONS: Access Aurora Desk at the Aurora Municipal Center 15151 E. Alameda Parkway Colorado Community Church 2200 S. Chambers Road

flower pink1/14, 1/20, 1/26 Hudson Gardens
6115 S. Santa Fe Dr., Littleton 80120

http://www.hudsongardens.org/content/hoursandprices.php

movie1/16 6 – 8pm Family Movie Night
Englewood Recreation Center, 1155 W. Oxford Ave., Englewood 80110

1/17 2 – 4pm Movie at Conifer Library
G and PG rated films for the family.

http://jefferson.lib.co.us/locations/conifer-library

1/19 Martin Luther King Day

flower pink1/19 Denver Botanic Gardens
1007 York St., Denver 80206

http://www.botanicgardens.org/

1/24 Winter Park Resort: 75 Years of Imagining
This 75th anniversary weekend celebration invites one and all to take part in live music, food and drink specials at Winter Park Resort, a cross country ski/snowshoe race from Tabernash to Winter Park, and a downtown Winter Park main street parade followed by fireworks in Hideaway Park. Downtown Winter Park main street parade at 6pm. Fireworks show in downtown Winter Park to immediately follow parade. Great fireworks viewing and sledding fun for the whole family in Hideaway Park.

http://www.playwinterpark.com/75celebration.html#sthash.3U9uHNDi.dpuf

1/24 10 – 11:30am Women and Money – A Beginner’s Class
1st Bank Building in Belmar, 550 S. Wadsworth, Lakewood 80226
This class cover the financial planning process from start to finish.  Taught by J0-Ann Holst of FUEL Financial.  RSVP to Pat 303-919-1020

1/27 – 2/8 Budweiser International Snow Sculpture Championships
Riverwalk Center at 150 West Adams Ave., Breckenridge 80424
1/19 -1/23 Stomping Week
1/27 – 1/31 Snow Sculpture Championships
1/31 – 2/8 Snow Sculpture Viewing Week

note1/28 7:30pm Lamont Wind Ensemble
Newman Center for the Performing Arts

palette1/30 5-8 pm Last Friday Gallery Walk
Downtown Evergreen
Art Galleries are open until 8 pm on the last Friday of the month.
Galleries throughout Evergreen.
www.evergreenarts.org

note1/30 7:30pm Organ at St. John’s Cathedral
St. John’s Cathedral, 1350 Washington St., Denver, entrance on 14th Ave.
Raymond Nagem will perform a kaleidoscope of selections.

1/31 10 – 11:30am Women and Money-Investments and Income Planning
1st Bank Building in Belmar, 550 S. Wadsworth, Lakewood 80226
Builds on the basics. Taught by Jo-Ann Holst, CFP. It’s time to finally understand the forces that impact your money in this stress-free, fun class.