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July 2016 Free Events Around Denver

7/1 5:30 – 9pm La Alma Connection Art Celebration Block Party and Parade
Presented By: Arts Street, 1079 Osage Street, Denver 80204

Image result for music7/1 6pm Hazel Miller in Concert
The Emporium, 200 Perry St, Castle Rock 80104

Image result for music7/1 6:30 – 8:30pm First Friday Music Series
Southwest Plaza Mall

Image result for music7/1, 7/13  6:30pm Jazz in the Park
Highlands Ranch Swing Shift, 9370 Ridgeline Boulevard Highlands, Littleton 80129
Join Swing Shift for a free concert! This series of free summer programs will include various swing and big band music.

7/1, 7/8, 7/15, 7/22, 7/29 8:30pm Little Man Ice Cream: Flick Fridays With Double-Feature
Little Man Ice Cream, 2620 16th St., Denver
7/1 Finding Nemo & Jaws
7/8 Up & The Wedding Singer
7/15 Minions & Almost Famous
7/22 Zootopia & The Breakfast Club
7/29 Saturday Night Fever & Special Disco Night follows
8/5 YouTube Night Special- Adult only review
8/12 The Sound of Music & Marx Bros. Duck Soup
8/19 The Wizrd of Oz & Hairspray
8/26 Annie & Fame
9/2 big Hero & The Blues Brothers
9/9 Fiddler on the Roof & special performance prior to the show with Mia Herlinger
9/16 Kung Fu Panda 3 & My Cousin Vinny
9/23 Home & Strictly Ballroom
9/30 E>T> & Little Miss Sunshine

Image result for music7/1, 7/14, 7/16, 7/21, 7/28 7pm Summer Entertainment Series At Clement Park
Clement Park, near the corner of Bowles & Pierce, Littleton
7/1 Red, White & YOU featuring Was Park Band
7/14 Groove nation Orchestra
7/16 Denver Municipal Band Wind Festival 6pm
7/21 Atomga
7/28 My blue Sky
8/4 Music-Go-Round Youth Showcase

7/1, 7/8, 7/15, 7/22, 7/29 7pm Loveland: Free “Movies on Main” Film Series
Promenade Shops at Centerra, 5971 Sky Pond Dr., Loveland
7/1 Hotel Transylvania
7/8 Home
7/15 The Good Dinosaur
7/22 Kung Fu Panda
7/29 Cinderella

7/1 First Friday Art Walks
First Friday Art Walk – Opening Reception for Why Not Niwot? 2016
Niwot, CO
Join us for our First Friday Art Walk, kicking off the People’s Choice voting for Why Not Niwot? 2016
Voting begins on the 6th and continues through May 30th
Why Not Niwot? is an art exhibition celebrating the uniqueness of Niwot
See more at: http://niwot.com/events/first-friday-art-walk-2#sthash.BfydYKs8.dpuf
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.

7/1, 7/8, 7/15, 7/22, 7/29 Aurora Pools
Aurora Poos Aqua Vista, Meadows Hill, Parklane, Pheasant Run and Village Green.
Fridays are free days for all ages.

7/1, 7/8, 7/15, 7/22, 7/29 5-8pm Clyfford Still Museum
1250 Bannock St. Denver 80204

7/2 Denver Art Museum
DAM, 100 W. 14th Ave. Pkwy., Denver 80204

Image result for vintage baseball7/2 9:30am Vintage Baseball Game
Wolff Run Park, 4705 W. 76th Ave.
Westminster Lightning Bolts vs. Central City Stars in an 1870s style baseball game. This fun-filled morning is free to the public. First pitch is 10 a.m. and lunch is available for purchase.
For further information please contact Westminster Historical Society, Phone: 303-426-5279

Image result for snakes7/2 9 – 10am School of Snakes
Standley Lake
While snakes have been villainized both in folklore and in pop-culture, we’ll learn about why these creatures are important to us through games and activities. You’ll also get to meet a live snake from the Standley Lake Nature Center! Join us for some slithering fun. All ages must register for this class. Park day entrance fee or pass required. Class is free! All ages but children must be accompanied by an adult. Limited to 15 spaces.
For further information please contact Sully Tun Ake, Phone: 3036582790

7/2 – 7/4 10am Cherry Creek Arts Festival
Cherry Creek

Image result for music7/2, 7/9, 7/16, 7/23, 7/30 5 – 7pm Rock Your Summer
Outlets at Castle Rock, 5050 Factory Shops Blvd.
Outlets at Castle Rock is proud to partner with the Littleton School of Rock, along with many other local bands, for a Free Summer Concert Series! The concerts will begin July 2nd and occur every Saturday from 5-7pm through August 13th. Join us as we “Castle Rock It” in the courtyard outside of Under Armour.
July 2, 2016 School of Rock
July 9, 2016 Dotsero
July 16, 2016 Paisley Park (Prince cover band)
July 23, 2016 Fab 4 (Beatles cover band)
July 30, 2016 School of Rock
August 6, 2016 New Sensation
August 13, 2016 School of Rock

7/2, 7/3, 7/9, 7/10, 7/16, 7/17, 7/23, 7/24 Meet in the Street
Presented By: Downtown Denver Partnership, Inc., 16th Street Mall – Pedestrian Mall
Meet in the Street is a excellent opportunity to reimagine the Mall by experiencing it in new and exciting ways. Unique experiences await at every turn including more than 10 expanded patio cafes, fitness classes, arts and cultural programming, live music and more!
Each weekend will bring something different, so be sure to make the Mall your “go to” destination this summer. Best of all? Meet in the Street is family-friendly and FREE!

Image result for music7/2, 7/9, 7/16, 7/23, 7/30 6:30 – 8:30pm Orchard Town Center concerts
Orchard Town Square, Westminster
7/2 Hot Lunch
7/9 Fab Four
7/16 Under a Blood Red Sky
7/23 Soul School
7/30 The Long Run

7/2, 7/9, 7/16, 7/23, 7/30 dusk Take Off With Free Summer Movies at Skyline Park
Skyline Park, 16th & Arapahoe, Denver
7/2 Pitch Perfect
7/9 Minions
7/16 Finding Nemo
7/23 Star Wars: The Force Awakens
7/30 The Goonies
8/6 Grease

flag7/3 7pm Stars & Stripes Express Fest
Presented By: Union Station, 1701 Wynkoop Street, Denver 80208
All-aboard Denver Union Station’s second annual Stars & Stripes Express Fest! To celebrate America, we’ve doubled the size of the Terminal Bar patio! Come and enjoy live music, family-friendly entertainment, and Colorado’s finest brews. The event is free and open to the public! Sponsored by Alpine Bank.

Image result for dolls7/3 Denver Museum of Miniatures, Dolls, and Toys
1880 Gaylord St, Denver 80206
$1 suggested donation.

Image result for music7/3, 7/10, 7/17, 7/24, 7/31 City Park Jazz Summer Concerts
City Park, Bamd stamd by the pavilion on Ferril Lake
7/3 Ritmo Jazz Latino
7/10 Heavy Heavies
7/17 Selina Albright
7/24 Super Collider with Erik Deutsch
7/31 Imagine
8/7 Chris Daniels & the Kings with Freddi Gowdy

flag                                            Happy Birthday America!


Image result for fishing derby7/4 8 – 11am Fishing Derby
City Park Lake, 10475 Sheridan Blvd. Westminster
Bring the family & fishing poles to City Park to kick off your Independence Day! Prizes for kids and BBQ lunch for all.

Image result for music7/4 7 – 9pm Summer Concert – Nacho Men
Westminster City Park, 10475 Sheridan Blvd.
This free concert is presented by the City of Westminster, North Metro Arts Alliance, The Scientific Cultural Facilities District and Premier members Federal Credit Union. Bring a lawn chair or blanket. Food available for purchase or bring a picnic. Fireworks follow the concert. For further information please contact City Park Recreation Center Phone: 303-460-9690, ext.1

Image result for music7/4, 7/11, 7/18, 7/25 5 – 8pm Prospect Sound Bites
Presented By: Prospect New Town, Downtown Prospect Park, Longmont 80504
Free Music & Food Truck Event at the Downtown Park in Prospect New Town, Longmont Colorado.
Dozens of food trucks and live music from bands such as Hazel Miller, FACE, Arcoda & more!

kids7/5 4pm  Children’s Museum-Target Tuesday
2121 Children’s Museum Dr., Denver


Image result for music7/5, 7/12, 7/19, 7/26 7 – 8:30pm Concerts at the Crescent on Tuesdays
Crescent Amphitheater
7/5 Blues brothers
7/12 Buckstein
7/19 Mr. Jajestyk’s Track Revival
7/26 Syndicate

Image result for music7/6, 7/13, 7/20, 7/27 Performances in the Park – Puppets & Things on Strings
Anderson Park, 4355 Field St. Wheat Ridge 80033
7/6 10 – 10:45am Puppets & Things on Strings
7/6 6:30 – 8pm Pan Jumbies (steel drum band)
7/13 10 – 10:45am Beth Epley (comedian)
7/13 6:30 -8pm The Average German Band (waltzes, polka)
7/20 6:30 – 8pm Pink Hawks (Afro-pop jazz orchestra)
7/27 10am – 10:45am Eric West (Music for Kids)
7/27 6:30 – 8pm Rachel & the Ruckus (High Altitude Melodic Blues Rock)

Image result for music7/6, 7/13, 7/20, 7/27 7 – 9pm Bands on the Bricks
Downtown Boulder, 1301 Pearl Street, Boulder 80302
From oldies to alternative and everything in between Bands on the Bricks is Boulder County’s premiere outdoor summer concert series taking place in the heart of Downtown Boulder on the one-and-only Pearl Street Mall. A not-to-be-missed summer tradition with 10 weeks of free concerts. Featuring an outdoor beer/wine/margarita garden starting at 5:30 pm every Wednesday night.

Image result for music7/6, 7/20, 7/27, 8/3  Littleton’s Free Historic Museum Concert Series
Littleton Historic Museum, 6028 S. Gallup St., Littleton
7/6 Tuesday Night Blues Band
7/13 Double Bill’s
7/20 The ThreadBarons
7/27 Tuesday Night Blues Band
8/3 Emily Stills Jazz

Image result for music7/6, 7/20, 7/27 6:30pm Northglenn’s 2016 Summer Concert Series
E.B. Rains Jr. Memorial Park, west side,11801 Community Center Dr.
7/6 Nokuthula
7/20 Mas Hipsteria
7/27 Ciizen Dan
8/3 North Boulder Underground
8/10 Mary Louise Lee Band

Image result for music7/7, 7/14, 7/21, 7/28 6:30pm Sounds of Summer Concert
CityCenter Englewood Amphitheater, 1000 Englewood Parkway, Englewood 80110
7/7 17th Avenue Allstars (a cappella)
7/14 Soul X (Current Top 40, blues, Motown, Funk)
7/21 Mile High Big Band
7/28 Hazel Miller Band (Jazz, blue, R&B)

Image result for music7/7, 7/14, 7/21, 7/28 6:30pm Highlands Ranch Summer Concert Series
Highland Heritage Regional Park, University & Quebec, Highlands Ranch (no dogs or glass)
7/7 Tripping Griswolds
7/24 No Visible Flaws
7/21 Fab 4
7/28 The Long Run

Image result for music7/7, 7/14, 7/28 6:30pm Stapleton MoJaBlu Concert Series at Northfield
Conservatory Green in Northfield, 49th Pl. and Valentia St, north of Macy’s
7/7 Hot Lunch Band
7/14 Dotsero
7/28 SuCh
8/4 The Samples

7Image result for music/7, 7/14, 7/21, 7/28 6 – 8pm Sounds Of Southlands Every Thursday
Southlands, E-470 and Smoky Hill Road, Aurora
7/7 The Long Run
7/14 Hazel Miller
7/21 Was Park
7/28 Kory Brunson
8/4 Message in a bottle
8/11 Chris Daniels and the Kings 30 — The Long Run, July 7 — Under A Blood Red Sky, July 14 — Hazel Miller, July 21 — Wash Park, July 28— Kory Brunson, August 4 — Message in a Bottle and August 11 — Chris Daniels and the Kings.

Image result for music7/7, 7/13, 7/21, 7/28 6:30 – 8pm Aurora’s Free Thursday Night Summer Concert Series
7/7 Hazel Miller at Meadowood Park
7/14 Pan Jumbies at Meadowood Park
7/21 Chris Danels and the Kings at Aurora Municipal Center
7/28 6 Million Dollar Band at Aurora Municipal Center

Image result for music7/7, 7/14, 7/21, 7/28 7 – 8:30pm Arvada APEX Hosts Free Summer Concert Series
McIlvoy Park
7/7 Dixie Leadfoot and The Chrome Struts
7/14 The Airstocates Band
7/21 Lois Lane and The Super Cowboys
7/28 The Rendition Band
7/29 John Denver Tribute Show
8/5 Josh Blackburn
8/12 Sould Sacrifice
8/19 Brandon Sipes
8/26 The Skean Dubh Band

7/8 5 – 8pm Downtown After 5
Community-wide Events Downtown Events Music and Festivals
Come Relax Downtown as select Fridays this Summer will come alive from 5-8pm. Enjoy live Music, craft beer, cocktails & themed food trucks, or checkout work by local artisans, pick up specialty gifts and enjoy living painting presentations.

7/8 12noon – 4pm Four Mile Historic Park
715 S. Forest St. Denver 80246
Take a tour of the Four Mile House Museum, check out historic demonstrations, explore our 12-acre grounds, sample a treat from our summer kitchen, and greet our farm animals. Tours are at 12:30, 1:30, and 2:30pm and are first come, first served. We’ll be offering our Hay Bales & Tall Tales story time from 12:00-1:00 pm.

Image result for music7/9 6 – 9pm Saturday in the Park with Colorado Honor Band
Denver Performing Arts Complex – Sculpture Park, 1400 Curtis St. Denver 80204

7/9 4:30 – 10pm 2nd Saturday Street Festival
Presented By: Historic Olde Town Arvada, 7307 Grandview Ave., Arvada 80002
Summer evenings in Olde Town Arvada will again come to life at the upcoming 2nd Saturday Street Festivals, presented by Historic Olde Town Arvada. July’s event features live music from local favorites Chris Daniels and the Kings, Arena Rock All Stars and The Reformers! Plus, our festival includes delicious food, fun vendors to browse and beer and wine available for purchase. Plus, as a fun, family-friendly event, we have lots of entertainment and activities for kids!

7/9, 7/13, 7/15, 7/20, 7/30 MOA – Museum of Outdoor Arts
1000 Englewood Parkway Suite 2-230 Englewood 80110
MOA offers indoor galleries, studios and special events and programs. http://www.moaonline.org/HOME/tabid/36/Default.aspx

7/11, 7/18, 7/25 7pm Monday Movie Madness at Infinity Park
Presented By: Infinity Park Event Center, Stadium, 4599 E. Tennessee Avenue, Glendale 80246
Summer means free movies on the big screen at Infinity Park. Infinity Park’s gate opens at 7pm and the movie
7/11 “Mamma Mia”
7/18 “Goonies”
7/25 “Mrs. Doubtfire”
8/8 “Aladdin”

flower pink7/12 Chatfield Farms
8500 W. Deer Creek Canyon Rd., Littleton 80128

Image result for music7/13, 7/27 5 – 9pm Evergreen Lake Summer Concert Series
Lake House at Evergreen Lake
7/13 Hosty Duo
7/27 Jake Worthington
8/10 Gipsy Moon
8/24 Tunisia

Image result for music7/13, 7/27 Streets of SouthGlenn Hosts Free Summer Concerts
Streets at SouthGlenn, S. University blvd. & Arapahoe Rd.
7/13 The Long Run
7/27 Margarita Bros. Band
8/10 That Eighties Band
8/24 FACE

7/13 7pm Aspen Grove’s Free Family Film Night
Aspen Grove, 731 S. Santa Fe Dr., Littleton
7/13 The LEGO movie

7/29, 8/26 7pm Wheat Ridge’s Friday Night Live Outdoor Movie Series
The Green, 7101 W. 38th Ave, Wheat Ridge 80033
7/29 Finding Nemo
8/26 PeeWee’s Big Adventure

museum7/14, 7/20, 7/26 Aurora History Museum
15051 E. Alameda Parkway Aurora, Colorado 80012 (map)
The only public, FREE museum in Aurora, Colorado, the Aurora History Museum is a community-based cultural center featuring changing history, natural history, culture, fine and decorative arts exhibits and programs. https://www.auroragov.org/ThingsToDo/ArtsandCulture/Museum/index.htm

Image result for music7/14 6:30 – 8:30pm Music in the Meadows-FUNKIPHINO
Butterfield Park – 3952 Butterfield Crossing Drive, Castle Rock 80109
Parking Information: Street parking will be available as well as the Butterfield Park parking lot, the Meadow View Elementary School parking lot, and the Castle View High School parking lot. The Castle View High School parking lot will feature a free shuttle that runs from 5:45 pm until 9:00 pm
Funkiphino is a 12 member high-energy funk band infused with explosive horn lines, old-school Hammond organ sounds, and pumpin’ bass with their intoxicating vocals and slammin’ harmonies. Funkiphino recently performed at the Broncos Super Bowl Parade and has been named Best Funk Band from Westword Magazine and Marquee Magazine. This is a performance you definitely don’t want to miss!

7/15 7pm Movies in the Park – The Good Dinosaur
Countryside Ballfields,10510 Oak st.
Enjoy watching the movie on a large screen under the stars. Food vendors and fun pre-movie activities begin at 7 p.m. and the movie begins at dusk. Food available for purchase or bring a picnic. Bring a lawn chair or blanket. Movies presented by City of Westminster and Partner Colorado Credit Union.

Image result for lavender festival7/16 10am – 6pm Lavender Festival
Chatfield Farms 8500 Deer Creek Canyon Road, Littleton, CO 80128
Lavender Festival is a new event that celebrates the Lavender Garden at Chatfield Farms. The garden was planted in 2015 and has more than 800 lavender plants, creating a gorgeus backdrop for this family-friendly event.
Lavender products made by local growers and artisans are available for purchase.
Buy tickets for hayrides, barrel train rides, face painting and more.
Enjoy a variety of food, dessert and drink vendors.
Educational programs on lavender and related topics are available for an additional charge. Seats are limited and advance registration is highly recommended.

Image result for music7/16 7:30pm Season Preview – Brett Mitchell, conductor
Boetcher Concert Hall
Can’t wait for the next season to begin? You don’t have to at this special preview of select works on the 2016/17 season lineup! We’ll take you through a few of the works that will define the next year for your Colorado Symphony and show you why our motto for the season is “We are entertainment!”
Admission is free, but tickets are required for admission. Tickets are available, in person, at the Boettcher Concert Hall Box Office. All seating is general admission and a ticket does not guarantee a seat.
R. STRAUSS Introduction from Also sprach Zarathustra
J. STRAUSS “On the Beautiful Blue Danube”
WILLIAMS Raiders March from Raiders of the Lost Ark
RIMSKY-KORSAKOV “The Kalendar Prince” from Scheherazade
BEETHOVEN Symphony No. 7
IV. Allegro con brio
BERNSTEIN Overture from Candide
BRAHMS Symphony No. 1
III. Un poco allegretto e grazioso
STRAVINSKY “Russian Dance” from Petrushka (1947)
ANDERSON “Fiddle-Faddle”
PROKOFIEV Excerpt from Peter and the Wolf
TCHAIKOVSKY Symphony No. 4
IV. Finale: Allegro con fuoco

7/16, 7/17 9:30am Denver Sloan’s Lake Art & Music Festival
Presented By: Colorado Event Design, Sheridan Blvd & W 17th Ave, Denver 80219
Something special for all ages, juried national fine artists, live music, creation station, face painting. On the shores of Sloan’s Lake, a 177 acre scenic recreation lake, on the south side.

7/16, 7/17 10am Pearl Street Arts Fest
Presented By: Downtown Boulder, 1942 Broadway St #301, Boulder, CO 80302
Pearl Street Arts Fest is a juried celebration of visual arts celebrating photography, sculpture, upcycled art and much more.
Event features artists from around the country; children’s art activities; live interactive performances – and much, much more!
Festival Hours: Saturday, July 16th: 10 am – 7 pm Sunday, July 17th: 10 am – 5 pm

7/22 6pm Inside Out – Movie In The Park
Presented By: Athmar Park Neighborhood Association, 850 S. Bryant St., Denver 80219
The Athmar Park Neighborhood Association (APNA) is excited to announce the Third Annual APNA Movies in the Park series, a free summer activity for families and friends. During three evenings in the summer, APNA will set up the big screen in Huston Lake Park and invite the community to come shop the on-site vendors and enjoy great films under the stars.
All vendor activities will begin at 6PM and the movies will begin at dusk and are located on the western side of the park.

7/23 10am – 8pm Denver International Festival
Civic Center Park, 101 W. 14th Ave., Denver 80202
The Mile High City is home to more than 2 million Denverites representing hundreds of countries and cultures from around the world. The Denver International Festival is a celebration of the best traditional food, music and art from our own backyard. Come dance, eat, drink and play and in the heart of Denver at Civic Center Park.
Join us for the first annual Denver International Festival!

7/23 Latin Festival
Irving St. Library and Park, 7392 Irving St.
Starting time: 12:00 pm
Ending time: 8:00 pm
Celebrate the Latino culture, music and cuisine. Music includes salsa, merengue, bachata, regional Mexican, Rock and Pop en Espanol and an amazing Cuban/Latin jazz fusion. Food trucks offer selections from Mexico, Peru, Cuba, Colombia, Venezuela and Argentina. For information call 303-308-9486.

Image result for creatures of the night7/23 5:30 – 6:30pm Nature’s Educators Series: Creatures of the Night
Standley Lake
Nocturnal and crepuscular animals have different features and behaviors to help them be active at night. For this popular program, we will learn about snakes, bats, owls, insects, and other creatures that are active at night. We will bring an owl and a few other creepy-crawly critters to help show off their amazing adaptations! In this program, we will dive into the characteristics that define raptors and why they are important to our ecosystems. Audiences will discover the various types of birds of prey found all over the world, what it takes to care for a bird of prey, and learn how Nature’s Educators is permitted to keep raptors. Three to four of our ambassadors will be present based on length. The audience will learn about their personal histories, anatomy, hunting strategies, and habitats. All ages must register for this class. Park day entrance fee or pass required. All ages. Free! Class is limited to 50 spaces.

flower pink7/26, 8/2 Denver Botanic Gardens
1007 York Street, Denver 80206

7/28 7 – 10:30pm Spanish Movie in the Park
Westminster Station, 69th Ave. and Grove St. ring a blanket or lawn chair and enjoy a movie with Spanish subtitles. Pre-movies activities start at 7 p.m. and the movie starts at dusk. For information call 303-308-9486.

Image result for music7/28 – 7/31  Denver Underground Music Showcase
The Underground Music Showcase is the perfect place to witness Colorado and The Mile High City’s exploding music scene. The Denver Post hosts this annual bonanza in Denver’s Broadway neighborhood. Every space viable for an intimate jam session opens its doors for music-lovers looking to discover the next Billboard-topping band.

7/30 – 8/7 Denver Days 2016
Presented By: City and County of Denver
Denver Days is an initiative during the first week of August that encourages neighbors to get to know their neighbors by hosting block parties, picnics, and service projects.

7/30 6 – 10pm Westminster Station Celebration and Retro Carnival
Westminster Station, 3200 Westminster Station Drive
July 30 – A party to celebrate the new station will take place on Saturday, July 30, from 6-10 p.m. at the Westminster Station. The celebration will include a free concert, food, vendors, 25 cent carnival games, 5 cent candy, face painting, beer garden, fireworks and free train rides on all RTD lines all day! www.WestminsterStation.us

7/30 6 – 10pm Westminster Station Celebration and Retro Carnival
Westminster Station, 3200 Westminster Station Drive
A party to celebrate the new station will take place on Saturday, July 30, from 6-10 p.m. at the Westminster Station. The celebration will include a free concert, food, vendors, 25 cent carnival games, 5 cent candy, face painting, beer garden, fireworks and free train rides on all RTD lines all day! www.WestminsterStation.us

dragon boad7/30, 7/31 16th Annual Colorado Dragon Boat Festival
Sloans Lake

Buffalo Bill7/30, 7/31 Buffalo Bill Days
Golden 80401


7/30, 7/31 Elevation Celebration

8/2 5 – 8pm 18th Annual National Night Out
Join your neighbors for a fun, family event that brings citizens and law enforcement together in a partnership to form a stronger and safer community. National Night Out is designed to heighten crime and drug prevention awareness and generate discussion, education, support and participation in crime prevention efforts.

Brexitg – It’s a Matter of Trust

By Sean McMahon – SmartBrief Director

Readers of a certain age might recall a tune from Billy Joel entitled “A Matter of Trust.” Those wondering why British voters chose to leave the EU might want to consider that song title. The voters who opted to leave no longer trust their leaders — elected or appointed — to fix what they believe ails the UK. Worse yet, many of them no longer trust their leaders to tell the truth about pretty much anything. However, it would be a mistake to think the trust deficit was born and nurtured just during the controversial Brexit campaigning. The lack of trust has some of its roots in the financial crisis of 2008. Those roots are still growing and stand to make an impact on markets and politics beyond the shores of the UK.

The Leave campaign performed exceedingly well in regions of the UK that have never fully recovered from the financial crisis. Voters in those regions simply weren’t buying what Remain campaigners were selling. In 2010, UK leaders said austerity measures were the path to recovery. Austerity measures were initiated, the pain was felt and yet the recovery never materialized in wide swaths of mostly rural areas. Contrast that with the recovery that powered the city of London, and rural voters had plenty of motivation to take to the ballot box to voice their displeasure.

Voting for change was one manifestation of the trust deficit, but another was the choice by voters to abstain from voting. When voters feel like their vote doesn’t matter, they stop participating in the process altogether. This empowers those who turn out on election day, regardless of whether their views represent a true depiction of overall sentiment.

Politics is, indeed, a matter of trust. If voters around the world don’t trust their leaders or trust that their vote matters, then Brexit might just be the first of many ballot box shocks.

How Did Brexit Happen?

Education was a factor, but not as much as age
Pundits the world over have pointed to education, or rather the lack of education, as a reason the Brexit vote happened, because voter data found that a strong majority of the Leave supporters don’t possess a university degree. The inference seems to be that a more formally educated electorate wouldn’t have voted to Leave. However, that data can be misleading, because the age of Leave supporters skews so heavily toward older voters. Nowadays a university degree is a common marker used to determine if someone is “educated.” However, that wasn’t the case in 1956 — which is when today’s 80-year-old Leave supporter was the age of a normal university student. Many pensioners in the Leave camp don’t have university degrees because they simply didn’t need one to live a comfortable life.

It is also worth noting that pensioners are old enough to remember a time before the EU existed, so it is not surprising they might hark back to the days before Brussels held so much sway over British life.

As for younger voters, many are crying over what the Brexit vote means for their future and pointing accusatory fingers at pensioners. Those fingers should be pointed at their contemporaries, because only 36% of those ages 18 to 24 even bothered to vote.

What’s Next for the Finance Industry in London?

Jobs … jobs … jobs
London’s financial center (aka The City), is scrambling to determine what Brexit means for the thousands of jobs in the English capital. Even before the vote took place, cities like Paris and Frankfurt, Germany, made it clear they would welcome any bankers jettisoned from the once-warm embrace of The City.

This might seem like some kind of parlor game that only interests senior banking executives, but the end result will have an impact on consumers. Any costs financial firms incur dealing with Brexit will likely be passed on to consumers. And from an investment standpoint, anyone holding shares in the affected financial firms will see earnings take a hit.

Paris and Frankfurt still make the most sense, but Dublin is also likely to attract numerous firms. Some have suggested Amsterdam, but that seems incredibly short-sighted considering the “Nexit” noise Dutch politicians like Geert Wilders are making.

Milan is another contender, but banks should exercise caution, because Prime Minister Matteo Renzi is reacting to Brexit by pushing for a $44 billion bailout for the country’s banks. Such a move is likely to prove unpopular amid the populism that is sweeping the continent.

One long-shot location that can’t be overlooked is, well … London. Leaders in Brussels are full of harsh words now, but the actual Brexit process will take years. Once all the bluster dies down, the current EU solidarity is likely to fracture when the leaders of countries like Estonia, Hungary and Latvia realize it is not in their best interest to make it difficult for banks to operate in their country. Plus, The City is extremely savvy when it comes to lobbying for regulatory carve-outs and legal exemptions for itself. Some financial services jobs are certain to Leave London, but don’t be surprised if most actually Remain.

What Does Brexit Mean for the US?

It is all about event risk
Brexit isn’t likely to have a long-term, dramatic impact on the US economy. However, the UK does not have a monopoly on the electorate trust deficit that has some roots in the financial crisis. Remember when then-Federal Reserve Chairman Ben Bernanke said the US would see 10% unemployment if the Troubled Asset Relief Program was not approved to combat the financial crisis? Bernanke and the Wall Street banks got their TARP money, but unemployment climbed to 10% anyway. That 10%, along with millions more who escaped unemployment but still felt the pain of the Great Recession, haven’t forgotten what the financial crisis wrought.

Sunday, The New York Times featured a story on how the housing crisis that many leaders seem to have forgotten is still ravaging American families. The Times seems to indicate that the continued pain is due to “missteps” by the private equity groups that took the place of banks in the housing market. The Americans who are suffering would likely argue that those “missteps” have been intentional.

Some of the sentiments currently circulating around the US are strikingly similar to those expressed by the Leave campaign the UK. Voters in the UK hoping for a return to the days of British glory are mirrored in the US by voters who want to “Make America Great Again.” They prefer the past over the present, and they aren’t convinced the US is on a path that will take them back to the future.

The financial crisis hurt millions of Americans. Policymakers prescribed the medicine. The electorate swallowed the medicine. But millions aren’t feeling any better. Those millions represent significant event risk throughout the summer and into the 2016 election.

Reading the Tea Leaves

Tons of instant analyses have popped up regarding Brexit. Here are 8 smart takes on what it all means for the markets and the political future of the UK.

Deloitte: UK’s departure from the EU is a trip into the unknown
Because no country has ever pulled out of the EU, it is impossible to say with certainty what the impact of Brexit will be for the UK or the EU, although the negative economic consequences will hit Britain harder than the EU. Guiding and managing the complex process of executing the withdrawal will be an enormous challenge for a British civil service that is smaller than it has been at any other time in the past 75 years. Deloitte (6/25)  LinkedIn Facebook Twitter Email this Story

The Economist: Brexit vote will bring years of costly, wasteful turmoil
Despite any good reasons for the leaving the EU, the UK’s vote leaves the country and its major political parties divided, according to The Economist. “The economy will suffer, as will the political establishment,” the magazine notes. The Economist (tiered subscription model) (6/25)  LinkedIn Facebook Twitter Email this Story

Nasdaq: How US investors would be wise to respond to the Brexit vote
Given the uncertainty unleashed by the Brexit vote, US investors should probably stick with US markets. Dividend payers, including telecom and utility stocks, real estate investment trusts and master limited partnerships, are likely to outperform the broad equity markets. Nasdaq.com (6/24)  LinkedIn Facebook Twitter Email this Story

Morgan Stanley: Brexit to depress UK investment and consumption
Investors can expect Britain’s decision to leave the EU and the uncertainty it has created to reduce domestic investment and consumer spending for a prolonged period. Over the longer term, the reduced openness of the economy is likely to diminish Britain’s rate of potential growth. Morgan Stanley (6/2016)  LinkedIn Facebook Twitter Email this Story

CME Group: UK’s exit from EU heightens political risk
The UK’s vote to leave the EU prompted an expected rally in gold and sell-off of the pound. The move will leave lingering tensions among the 27 remaining EU nations and even within the UK, especially since a majority of voters in Scotland and Northern Ireland wanted to stay in the EU. CME Group (6/24)  LinkedIn Facebook Twitter Email this Story

Charles Schwab: Diversified asset allocation the best response to Brexit vote
Investors with short investment horizons should be ready to ride out Brexit-driven market losses for the next three to six months. For investors pursuing longer investment horizons, standing by their existing diversified asset allocations may be the best course of action. Charles Schwab (6/27)  LinkedIn Facebook Twitter Email this Story

Franklin Templeton: Brexit an unquestioned negative for the UK economy
By putting its valuable trade agreement with the EU in doubt and restricting labor mobility, Brexit is a major setback for the UK economy and its important London-based financial sector. If the vote is an early indicator of a broader European nationalism, it will be a negative for the EU as well, although the effects on the EU won’t be felt for some time. Franklin Templeton Investments (6/2016)  LinkedIn Facebook Twitter Email this Story

Harvard Business Review: Brexit a major setback for US strategic interests
The implications of Britain’s departure from the EU for the US and the world are enormous, primarily because it greatly increases the likelihood of the Scotland leaving the UK. Without Scotland, what is left of the UK will be unable to maintain its present role supporting US strategic interests and the NATO alliance. Harvard Business Review online (tiered subscription model) (6/24)  LinkedIn Facebook Twitter Email this Story

SmartBrief Director of Content for Finance Sean McMahon edits newsletters on global financial markets, fintech and retirement.

Don’t forget the bad times…

As we mature, we tend to only remember the good times. Research has shown that as we age, we tend to create blind spots and the blind spots can have serious consequences. Financially, we tend to remember the money we made, not the risks and pitfalls. It can be difficult to remember the S&P 500 lost 50% between 2007 and 2009. And what happened in 2002? The NASDAQ subsequently lost nearly 80% and the S&P 500 lost 50% to reach the October 2002 lows. So, are these blind spots leading you to take far more risks than you can afford? The current evidence suggests that older adults might have unique blind spots related to risk, especially when the market has been on the upswing in the past few years. What did it feel like when your portfolio was slashed in half!
One way to handle these financial blind spots is to put your savings on “financial auto pilot.” When creating a retirement income strategy, I take into account your actual expenses and suggest options that guarantee income to cover your basic bills no matter how long you live. This is “financial auto pilot.” The rest of your savings can be at risk in the market and not affect your day to day living.
$marter Women Colorado is a part of FUEL Financial. FUEL offers not only safe money annuities, but “assets under management” for a small fee. AUM is a group of portfolios offering varying degrees of potential profit and risk created by a separate company. FUEL represents that company. Finding the right balance for you is what I do. Consultations are always no minimums, no charge and no obligation. Don’t know what you have? Lets look at your statements and clarify what you have and what you need. If you already have a financial planner, I am happy to give a second opinion. Knowledge is power.

How to Handle Your 401(k) When Leaving a Job

(I can help you with your old 401(k)

Susan Johnston Taylor, PayScale
Jun 03, 2016

When you leave a job, you’re probably focused on cleaning out your desk and saying good-bye to work friends. But taking care of your 401(k) retirement plan at the soon-to-be-former employer should also be high on your to-do list so that you can handle that money responsibly and avoid unnecessary taxes and penalties.

If you take a 401(k) loan from a job, you generally must repay the outstanding balance in full when you leave. Otherwise, the loan may be treated as a distribution and subject you to early withdrawal penalties.

Assuming you don’t have any outstanding 401(k) loans, here’s a look at your options.

  1. Cash it out. Tempting as might be to cash out a 401(k) from a previous employer, this should be your last resort. If you cash out a 401(k) before age 59.5, you’ll be subject to taxes and early withdrawal penalties. In addition, you’ll also lose out on money that could have grown and supported you during retirement. If you have less than $5,000 in your 401(k), the plan administrator may automatically distribute funds to you, triggering a taxable distribution, so ask them about this before you leave. If you need money to help you through a career transition, explore other options first such as a home equity line of credit or a personal loan, which are typically cheaper ways to access money.
  2. Leave it alone. If you have at least $5,000 in your old employer’s retirement account, you should be able to leave the money in the account and let it continue to grow. However, the downside of doing nothing is that it’s easy to lose track of money in an old employer’s 401(k). Lacking visibility on how the money is invested could make it harder for you or your financial advisor to create a diversified portfolio. Plus, many employer 401(k)s carry high fees that can eat away at the money you’re saving for retirement.
  3. Roll it over to your new employer’s 401(k). If your new employer allows rollover, you could directly rollover funds from your previous employer’s 401(k) to your new 401(k) to avoid taxes and penalties on an early withdrawal. This can also help you consolidate your retirement accounts so you have fewer accounts to monitor. However, an individual retirement account (IRA) may have lower fees and broader investment options, so consider the fees and investment options of your new employer’s 401(k) before you initiate a rollover.
  4. Roll it into an IRA. Rolling over your previous employer’s 401(k) into an IRA can mean lower fees and more varied investment options than moving into your new employer’s 401(k). IRAs come in two flavors: traditional and Roth. Both carry the same contribution limits ($5,500 per year or $6,500 if you’re age 50 or over), but contributions are treated differently for tax purposes. A traditional IRA uses pre-tax money — similar to a 401(k) — so you pay taxes when you withdraw the money, while a Roth IRA contains post-tax money. To get your 401(k) money into a Roth, you’d first roll it over to a traditional IRA and then convert it to a Roth.

To avoid penalties with an IRA rollover, fill out the required paperwork for a trustee-to-trustee transfer so that your old employer transfers funds directly to your IRA custodian on your behalf. If you do an indirect transfer and the check is made out to you, then your employer is required to withhold 20 percent for federal tax. You’d need to add the difference out of your own pocket to avoid getting hit with a 10 percent penalty for early withdrawals.

Career transitions can be exciting (or sometimes overwhelming), but don’t neglect your retirement accounts in the process. A direct transfer to a new 401(k) or an IRA can help you manage that money and grow your nest egg for retirement.



After you’ve saved for retirement, annuities can help put your nest egg to work

from the Washington Post

By Rodney Brooks Columnist June 3
Most of us worry about running out of money in retirement. Surveys by many financial companies have shown how big that concern is, no matter how much you earn or have saved.
And with good reason. We haven’t saved enough for retirement, especially considering that life expectancies make it not only possible, but probable, that we will live into our 90s.
For those who have pensions, it’s less of a worry. We know that we’ll have a monthly stream of income, some of us for life.
But these days, only 22 percent of full-time private industry workers have a pension, the Bureau of Labor Statistics estimates. In this new, do-it-yourself world of retirement, most of us save in a company-sponsored 401(k), an IRA, or another plan. Even if we have accumulated a big nest egg, we are left to ourselves to figure out how to turn that money into a stream of income to last a lifetime.
An annuity is one of the only ways to do that if you don’t have a pension. Nearly every financial planner recommends that you put at least a portion of your retirement savings into an annuity. But because they are not liquid, you should limit the portion of your portfolio invested in them.
“If you put in $100,000 and get income for the rest of your life, you don’t get that money back,” says Ken Moraif, financial adviser at Money Matters. “You don’t have access to that money. You need an emergency fund to cover over and above what could happen.”
Matthew Sadowsky, director of retirement and annuities at TD Ameritrade, says annuities are misunderstood.
“Part of the reason is the word ‘annuities’ encompasses so many kinds of products — variable annuities, fixed annuities, immediate annuities,” he says. “Each is so different. There is an annuity that looks like a CD. Another looks like a pension, another has tax-deferred growth. That’s part of the confusion.”
First, let’s cover the basics. An annuity is a contract with an insurance company generally purchased for future income in retirement. In return, the owner receives payments at regular intervals. The basic types are:
•V ariable annuity: This is invested in mutual funds or a pool of managed investments. The advantage is that you benefit if the market rises. The disadvantages are that you pay fees and can lose principal in a down market.
•F ixed annuity: This has no fees and will pay you a guaranteed rate of return — for example, 5 percent a year.
•Fixed-index annuity: This gives you exposure to the market but at no risk of loss to your principal. It is basically a fixed annuity with a variable rate of return based on an index, such as the Standard & Poor’s 500-stock index. The disadvantage: The upside is capped.
•I mmediate annuity: The investor gives the insurer a lump sum in return for a set rate of return and regular income payments until death, or for a specified period. There are no fees.
“Annuities lower the risk of investment portfolios,” says Pete Lang, president of Lang Capital in Hilton Head, S.C. “There are no investment expenses and typically no fees, unless you get a variable annuity.
“For most annuities, the primary purpose is tax deferral,” he says. “But they can also provide guaranteed lifetime income. They all don’t, especially variable annuities, which are notorious for some exemptions that will cut off lifetime income.”
Moraif says the annuity is what pension plans use to generate income to pay their participants. It is something you might want to consider if you need an income higher than what your investments can support, he says.
“It’s like a mortgage payment in reverse,” he says. “The principal and interest are paid to you. The payment can be 6 percent or more per year, depending on age and the prevailing interest rate, and it goes on as long as you live. And you can structure it so it continues with your spouse upon your death.”
But let’s face it. Annuities have gotten a bad reputation over the years because of some unscrupulous salespeople who pushed them on people who didn’t understand them and racked up fees and commissions.
Variable annuities, in which you can lose principal, got the bad rap, says Craig Ferrantino, president of Craig James Financial Services in New York.
“There are instances where an annuity is critical for people’s retirement,” he says. “In cases where someone needs a constant stream of payments for the rest of their lives. Another is if they want market participation and yet some protection for their principal.”
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“If you need the money to live on, don’t risk it,” Lang says. “Keep it safe. Annuities mirror the benefits of a pension. Don’t risk what you don’t have to lose. Once you set it up, then I see more retirees are willing to risk some of their remaining money because they know they have that guaranteed income.”
The industry has grown more flexible in recent years, Sadowsky says. “It used to be if you buy a single premium annuity, the insurance company is obligated to pay you for the rest of your life, but if you step out of the house and get hit by a bus, they don’t pay out. Now you can get a minimum pay-out or get cash refunded to your beneficiaries. It is not necessarily the case that you are forfeiting whatever you put in.”
When a person is 50 or older, Sadowsky says, it’s time to determine whether an annuity is appropriate. By then, people are thinking about how to live off their nest eggs.
Find an insurance company you want to be with for 10, 20 or 30 years, one that not only will make good on its payments, he says, but will also provide good customer service.
“This is probably something you would like to get a little more guidance [on],” he says. “You don’t want to purchase it online without a lot of research.