ToothShower Water Flosser Suite 2.0 for $107

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DescriptionThe average person spends 9 minutes in the shower. Make it 10 and floss too while you’re at it. Hooked up to your showerhead, the ToothShower makes it easy to incorporate flossing into your everyday routine. Unlike messy countertop water flossers, ToothShower lets you stand up straight while flossing in the shower… instead of bending over a sink. It’s pain-free — thanks to its adjustable stream and gum massager, the only sensation after flossing is tingling clean. It’s complete with a dual-headed toothbrush too so you’ll walk out of the shower all clean.
Hooks up to your showerhead so you can easily incorporate flossing into your daily routine No more countertop or mirror mess; just stand up straight in the shower Adjustable flow of water eliminates the pain of flossing Effective w/ no need for battery, electric outlet, countertop, or water reservoir Complete w/ 7-stream irrigating gum massager dual-headed toothbrush
Specs Color: white Finish: glossy palstic console, hexavalent chrome diverter Materials: plastic console, food-grade tubing, brass diverter Dimensions: 4.5″H x 9.5″L x 3.6″W Mirrored hood/storage Vented side storage Ergonomic open-air handle Dentist and Dental Hygienist Approved FDA Approved Materials and Labeling Passed Rigorous 3rd Party Testing for Materials and Safety Manufacturer’s 1-year warranty
Includes Toothshower 2.0 1x Irrigating Standard Tip (White) 1x Irrigating Gum Massager (White) 1x Irrigating Dual-Headed Toothbrush (White) Wall Plate Custom Diverter Plumber’s Tape 3M Command Waterproof Cord Clip 3M Command Waterproof Bath Adhesive Strips User Manual
ShippingShips to USExpected Delivery: Aug 6 – Aug 11
Terms
Returns accepted within 30 days of shipment for orders within the Contiguous US.
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Age-related vision decline reversed with simple therapy

Staring at a deep red light for three minutes a day can significantly improve declining eyesight, finds a new UCL-led study, the first of its kind in humans. Scientists believe the discovery, published in the Journals of Gerontology, could signal the dawn of new affordable home-based eye therapies, helping the millions of people globally with naturally declining vision. In the UK there are currently around 12 million people aged over 65: in 50 years this will increase to around 20 million and all will have some degree of visual decline because of retinal ageing. Lead author, Professor Glen Jeffery (UCL…READ MORE: https://northdenvernews.com/age-related-vision-decline-reversed-with-simple-therapy/
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Staring at a deep red light for three minutes a day can significantly improve declining eyesight, finds a new UCL-led study, the first of its kind in humans. Scientists believe the discovery, published in the Journals of Gerontology, could signal the dawn of new affordable home-based eye therapies, helping the millions of people globally with naturally declining vision. In the UK there are currently around 12 million people aged over 65: in 50 years this will increase to around 20 million and all will have some degree of visual decline because of retinal ageing. Lead author, Professor Glen Jeffery (UCL Institute of Ophthalmology) said: “As you age your visual system declines significantly, particularly once over 40. “Your retinal sensitivity and your colour vision are both gradually undermined, and with an ageing population, this is an increasingly important issue. “To try to stem or reverse this decline, we sought to reboot the retina’s ageing cells with short bursts of longwave light.” In humans, around 40 years-old, cells in the eye’s retina begin to age, and the pace of this ageing is caused, in part, when the cell’s mitochondria, whose role is to produce energy (known as ATP) and boost cell function, also start to decline. Mitochondrial density is greatest in the retina’s photoreceptor cells, which have high energy demands. As a result, the retina ages faster than other organs, with a 70% ATP reduction over life, causing a significant decline in photoreceptor function as they lack the energy to perform their normal role. Researchers built on their previous findings in mice, bumblebees and fruit flies, which all found significant improvements in the function of the retina’s photoreceptors when their eyes were exposed to 670 nanometer (long wavelength) deep red light. “Mitochondria have specific light absorbance characteristics influencing their performance: longer wavelengths spanning 650 to 1000nm are absorbed and improve mitochondrial performance to increase energy production,” said Professor Jeffery. The retina’s photoreceptor population is formed of cones, which mediate colour vision and rods, which provide peripheral vision and adapt vision in low/dim light. For the study, 24 people (12 male, 12 female), aged between 28 and 72, who had no ocular disease, were recruited. All participants’ eyes were tested for the sensitivity of their rods and cones at the start of the study. Rod sensitivity was measured in dark adapted eyes (with pupils dilated) by asking participants to detect dim light signals in the dark, and cone function was tested by subjects identifying coloured letters that had very low contrast and appeared increasingly blurred, a process called colour contrast. All participants were then given a small LED torch* to take home and were asked to look into** its deep red 670nm light beam for three minutes a day for two weeks. They were then re-tested for their rod and cone sensitivity Results Researchers found the 670nm light had no impact in younger individuals, but in those around 40 years and over, significant improvements were obtained. Cone colour contrast sensitivity (the ability to detect colours) improved by up to 20% in some people aged around 40 and over. Improvements were more significant in the blue part of the colour spectrum that is more vulnerable in ageing. Rod sensitivity (the ability to see in low light) also improved significantly in those aged around 40 and over, though less than colour contrast. Professor Jeffery said: “Our study shows that it is possible to significantly improve vision that has declined in aged individuals using simple brief exposures to light wavelengths that rechar..

Colorado News

Can we anticipate polling error?

Can we anticipate polling error? Jul 28, 2020by Staffin Latest
G. Elliott Morris send out a recent email covering one of the issues coming to the fore as Biden’s lead over Trump spreads to more states and widens nationally. While poll skepticism has reached all time highs after 2016 (although many national polls got the national vote right, and few polls could have picked up the razor-thin margins in PA, WI and MI, it’s worth looking at this question:Can we anticipate polling error?With 100 days to go, it’s hard to see how Trump stages a comebackThis post is a continuation…READ MORE: https://northdenvernews.com/can-we-anticipate-polling-error/
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Can we anticipate polling error? Jul 28, 2020by Staffin Latest
G. Elliott Morris send out a recent email covering one of the issues coming to the fore as Biden’s lead over Trump spreads to more states and widens nationally. While poll skepticism has reached all time highs after 2016 (although many national polls got the national vote right, and few polls could have picked up the razor-thin margins in PA, WI and MI, it’s worth looking at this question:Can we anticipate polling error?With 100 days to go, it’s hard to see how Trump stages a comebackThis post is a continuation of sorts of the one I sent out to subscribers last Saturday. In it, we covered the topic of uncertainty in election campaigns, specifically how to think through what information we get from different data—and, crucially, what information we’re missing.A related topic (and one I’ve been receiving lots of tweets and emails about) is what happens if we see a 1988-type polling error again this year. I have rebutted that such a shift is unlikely now, for multiple reasons. The first is that political polarization has caused election campaigns to be less volatile and easier to predict; fewer swing voters means, well, fewer swings. But the second reason is that when polls miss the outcome of the election they usually miss in the direction of what we’ll expect from other information. In other words, we can often (though not always) anticipate the shift beforehand.In 1988, the economy was growing steadily and the president for the incumbent party, Ronald Reagan, was also relatively popular with an approval rating around 55%. So when Michael Dukakis’s 17-point polling lead disappeared it shouldn’t have been that surprising.But this year, the polls and fundamentals agree: Donald Trump is in trouble. The various polling averages have Joe Biden up 8-9 points in the polls and have the president’s approval rating 16 points underwater. The economy is also in tatters (or haven’t you noticed) and the rapid spread and intensification of covid-19 around the country threatens the government’s ability to stage a timely comeback. So, if we think the polls will miss, our best guess is still that Biden will win. That wasn’t the case in 1988, 1992 or 2000, when the polls moved rapidly toward the (more accurate) fundamentals over the course of the election cycle.Point being: over the next hundred days, a lot can change. But if you want to be empirical and rigorous about forecasting that change, your best bet is still on a healthy (though not assured) Biden victory.I’m intentionally little about the potential uncertainty in this exercise, of which there is a healthy amount. The point is instead to calibrate our expectation of movement over the remaining election cycle, perhaps so that people realize saying “But but but Dukakis was ahead by 17 points in July!” is actually a point for the forecasters, not against them.
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Did you miss our previous article…
https://northdenvertribune.net/rocky-mountain-pbs-and-kuvo-launch-new-studio/

Rocky Mountain PBS and KUVO launch new studio

Rocky Mountain Public Media (RMPM) has opened its new building, the Buell Public Media Center, located at 2101 Arapahoe St., Denver, CO, 80205. RMPM, the parent company of Rocky Mountain PBS, KUVO JAZZ and THE DROP, is Colorado’s largest statewide, member-supported multimedia organization with 90,000 members and stations in Denver, Pueblo/Colorado Springs, Steamboat Springs, Grand Junction and Durango. In this time of great community need for resources and information, the Buell Public Media Center allows RMPM to best serve the community through a central location and upgrades to technology that create better access and connectivity for all of its channels…READ MORE: https://northdenvernews.com/rocky-mountain-pbs-and-kuvo-launch-new-studio/
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Rocky Mountain Public Media (RMPM) has opened its new building, the Buell Public Media Center, located at 2101 Arapahoe St., Denver, CO, 80205. RMPM, the parent company of Rocky Mountain PBS, KUVO JAZZ and THE DROP, is Colorado’s largest statewide, member-supported multimedia organization with 90,000 members and stations in Denver, Pueblo/Colorado Springs, Steamboat Springs, Grand Junction and Durango. In this time of great community need for resources and information, the Buell Public Media Center allows RMPM to best serve the community through a central location and upgrades to technology that create better access and connectivity for all of its channels to reach and engage audiences statewide. In addition to providing a central location for RMPM’s channels, the building houses the Colorado Media Collaborative (COLab) and the Community Media Center. COLab is a new-era newsroom designed to support nearly 100 local journalists working to bring news and information to the state’s diverse communities. Through COLab, news organizations will share resources, infrastructure and strategies to provide stories responsive to the concerns, interests and values of the community. Additional support for the COLab space was provided by Gates Family Foundation and John S. & James L. Knight Foundation. Emily Griffith Technical College, in partnership with the City and County of Denver, will operate the Community Media Center, a 5,000-square-foot space for media production classes for students learning to become well-rounded storytellers. “The Buell Public Media Center is critical to RMPM’s goal of creating a Colorado where everyone is seen and heard, strengthening the civic fabric of our state while building a new journalism paradigm focused on collaboration and community-centered storytelling,” said Amanda Mountain, president & CEO of Rocky Mountain Public Media. “Through its technology, the building serves as a connector, enabling RMPM and partners to make a collective impact.” During the COVID-19 pandemic and beyond, RMPM is focused on delivering content that supports all communities and amplifies Colorado voices. Recent programming includes Black Love Mural Festival, highlighting the murals in Civic Center Park; Cupcakes 4 Change, a teen entrepreneur’s response to surviving a school shooting at Highlands Ranch STEM School; Margarita’s Story, the story of a mother of two DACA recipients; Styler and Jax: Drag is art, a story from the LGBTQIA+ community; and Colorado Springs Superintendent Has Eyes on Equity, Dr. Michael Thomas’s personal experience that informs his leadership for a school district of 27,000. RMPM has been staggering the timing of the relocation of stations and employees to the new building to ensure safety while following social distancing guidelines, beginning with the opening of the KUVO JAZZ studio in June. RMPM broke ground on the new building, the Buell Public Media Center, in November 2018. The building is the result of a capital campaign, launched by RMPM in 2016 and completed in 2020, that raised $34 million. Major donors include Buell Foundation, Robert F. Metzler & Rosemary M. Metzler, Daniel & Janet Mordecai, Bonfils-Stanton Foundation, Gill Foundation, Koelbel Family Foundation, Sturm Family Foundation, Patricia L. Pacey & Charles M. Neinas, Doug Morton & Marilyn Brown, and Douglas & Hazel Stevens Price. Share this: Facebook Reddit Twitter Pinterest Tumblr More Pocket LinkedIn Print Email
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How to Choose a Commercial Foundation Contractor

When you run a building company, one of the things you have to ensure is that you hire the right contractors to work with you on your projects. The contractors you choose can have a huge impact on timeliness, budget, and the success of your projects, and this can then impact your reputation and the business as a whole. This is why it is so important to find the right people for the job so that they uphold the values of your business. One type of contractor you may need is a commercial foundation contractor, and it is vital to…READ MORE: https://northdenvernews.com/how-to-choose-a-commercial-foundation-contractor/
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When you run a building company, one of the things you have to ensure is that you hire the right contractors to work with you on your projects. The contractors you choose can have a huge impact on timeliness, budget, and the success of your projects, and this can then impact your reputation and the business as a whole. This is why it is so important to find the right people for the job so that they uphold the values of your business. One type of contractor you may need is a commercial foundation contractor, and it is vital to find someone with relevant experience and expertise with a job as important as this. While you do also have to think about other factors such as your budgets, a lot can hinge on your choice of commercial foundation contractor, so making the right selection is crucial. In this article, we will look at some tips when it comes to choosing a commercial foundation contractor. What You Need to Consider There are various key points that you must consider when it comes to making your choice, and by finding the right contractor, you can benefit from greater peace of mind. Some of the key factors to keep in mind are: What They Charge As a business owner, it is vital that you stay within budget on commercial building projects. This is why you need to find a contractor that can carry out the necessary work without charging over the odds. This will help to ensure the work is done to the required standards but that you can still stay within budget with your commercial project. So, it is important to ensure you check what the charges are and that this fits in with your own budget. Their Availability Another crucial thing you must do is check on the availability of the contractor. Naturally, you need them to be available at the required times and on the right dates to fit in with your project schedule. In addition, you need to ensure that your project remains on track in terms of deadlines. So, making sure the contractor is available for the necessary dates is important to keep everything running to schedule. Experience Levels Obviously, it is important to keep experience levels in mind when you are choosing a commercial foundation contractor. You should find out what other commercial foundation projects they have worked on before, and where possible look at any images available to get an idea of the quality of the work. Look at their credentials and how long they have been working on commercial foundation contracting work. Reputation One additional thing you need to do is look into the reputation of the contractor. You can do this by checking reviews from other contractors that have used the same provider for their own projects. This will make it easier for you to make an informed decision. These are some of the key points to consider when choosing a suitable provider for your project. Share this: Facebook Reddit Twitter Pinterest Tumblr More Pocket LinkedIn Print Email
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Disinformation campaigns are murky blends of truth, lies and sincere beliefs – lessons from the…

It’s difficult by design to identify disinformation campaign instigators and their agendas. stevanovicigor/iStock via Getty Images Kate Starbird, University of Washington The COVID-19 pandemic has spawned an infodemic, a vast and complicated mix of information, misinformation and disinformation. In this environment, false narratives – the virus was “planned,” that it originated as a bioweapon, that COVID-19 symptoms are caused by 5G wireless communications technology – have spread like wildfire across social media and other communication platforms. Some of these bogus narratives play a role in disinformation campaigns. The notion of disinformation often brings to mind easy-to-spot propaganda peddled by totalitarian…READ MORE: https://northdenvernews.com/disinformation-campaigns-are-murky-blends-of-truth-lies-and-sincere-beliefs-lessons-from-the-pandemic/
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It’s difficult by design to identify disinformation campaign instigators and their agendas. stevanovicigor/iStock via Getty Images Kate Starbird, University of Washington The COVID-19 pandemic has spawned an infodemic, a vast and complicated mix of information, misinformation and disinformation. In this environment, false narratives – the virus was “planned,” that it originated as a bioweapon, that COVID-19 symptoms are caused by 5G wireless communications technology – have spread like wildfire across social media and other communication platforms. Some of these bogus narratives play a role in disinformation campaigns. The notion of disinformation often brings to mind easy-to-spot propaganda peddled by totalitarian states, but the reality is much more complex. Though disinformation does serve an agenda, it is often camouflaged in facts and advanced by innocent and often well-meaning individuals. As a researcher who studies how communications technologies are used during crises, I’ve found that this mix of information types makes it difficult for people, including those who build and run online platforms, to distinguish an organic rumor from an organized disinformation campaign. And this challenge is not getting any easier as efforts to understand and respond to COVID-19 get caught up in the political machinations of this year’s presidential election. Rumors, misinformation and disinformation Rumors are, and have always been, common during crisis events. Crises are often accompanied by uncertainty about the event and anxiety about its impacts and how people should respond. People naturally want to resolve that uncertainty and anxiety, and often attempt to do so through collective sensemaking. It’s a process of coming together to gather information and theorize about the unfolding event. Rumors are a natural byproduct. Rumors aren’t necessarily bad. But the same conditions that produce rumors also make people vulnerable to disinformation, which is more insidious. Unlike rumors and misinformation, which may or may not be intentional, disinformation is false or misleading information spread for a particular objective, often a political or financial aim. Disinformation has its roots in the practice of dezinformatsiya used by the Soviet Union’s intelligence agencies to attempt to change how people understood and interpreted events in the world. It’s useful to think of disinformation not as a single piece of information or even a single narrative, but as a campaign, a set of actions and narratives produced and spread to deceive for political purpose. Lawrence Martin-Bittman, a former Soviet intelligence officer who defected from what was then Czechoslovakia and later became a professor of disinformation, described how effective disinformation campaigns are often built around a true or plausible core. They exploit existing biases, divisions and inconsistencies in a targeted group or society. And they often employ “unwitting agents” to spread their content and advance their objectives. Regardless of the perpetrator, disinformation functions on multiple levels and scales. While a single disinformation campaign may have a specific objective – for instance, changing public opinion about a political candidate or policy – pervasive disinformation works at a more profound level to undermine democratic societies. The case of the ‘Plandemic’ video Distinguishing between unintentional misinformation and intentional disinformation is a critical challenge. Intent is often hard t..

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Colorado Obamacare plans increase in 2021

Today, the Colorado Division of Insurance (DOI), part of the Department of Regulatory Agencies (DORA), is releasing preliminary information about the insurance companies offering Affordable Care Act (ACA) health plans for 2021. The same eight companies that offered individual health insurance plans (meaning not from an employer) in 2020 will return for 2021 – Anthem, Bright Health, Cigna Health, Denver Health, Friday Health, Kaiser, Rocky Mountain Health Plans and Oscar Health. And two of those companies, Rocky Mountain Health Plans and Bright Health, are planning to expand their footprints in Colorado next year, bringing down the number of counties with…READ MORE: https://northdenvernews.com/colorado-obamacare-plans-increase-in-2021/
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Today, the Colorado Division of Insurance (DOI), part of the Department of Regulatory Agencies (DORA), is releasing preliminary information about the insurance companies offering Affordable Care Act (ACA) health plans for 2021. The same eight companies that offered individual health insurance plans (meaning not from an employer) in 2020 will return for 2021 – Anthem, Bright Health, Cigna Health, Denver Health, Friday Health, Kaiser, Rocky Mountain Health Plans and Oscar Health. And two of those companies, Rocky Mountain Health Plans and Bright Health, are planning to expand their footprints in Colorado next year, bringing down the number of counties with only one health insurance company selling plans on Connect for Health Colorado, from 22 to 10 counties. In 2021, Rocky will offer plans in the following counties which currently have Anthem as their only on-exchange company: Dolores, Garfield, Gunnison, Hinsdale, Montezuma, Montrose, Ouray, Pitkin, San Juan and San Miguel. Rocky is also expanding into La Plata and Archuletta counties. Bright Health will be expanding into the following counties that currently only have one on-exchange company: Dolores, Grand, Lake, Montezuma and San Juan. They will also move into La Plata County. These expansions will leave Eagle, Jackson, Logan, Moffat, Phillips, Rio Blanco, Routt, Sedgwick, Washington and Yuma as the remaining counties with only one on-exchange health insurance company. Overall, the number of individual plans the companies propose to offer next year, both on-and off-exchange, is increasing from 264 to 324. In the small group market (for small employers with less than 100 employees), Bright Health will be a new player, offering 40 plans, while some companies are scaling back their offerings. There will still be over 400 plans from 13 companies in the small group market, but the total number of plans will go down for 2021. Kaiser is consolidating plans as they combine three separate service areas (Northern Colorado, Denver / Boulder and Colorado Springs / Pueblo) into one area. This is good news for consumers, as members in this expanded area will be free of the geographic service limitations each of those three areas currently impose. For 2021, members will not be cancelled, but will be slotted into their same plan with the expanded service area and new ID cards. Preliminary information on the number of plans and insurance companies for the individual and small group market for 2021 can be found on the Division’s health insurance plan filings website. However, preliminary information regarding premiums will not be available until the end of July. The DOI is allowing the insurance companies to incorporate up-to-date data and assumptions related to COVID-19 through July 22nd. The Division will make the preliminary premium information available in late July, after which the public is encouraged to comment on the insurance companies’ proposed plans and premiums. The DOI will then spend the rest of the summer conducting an in-depth review of this information and will release final, approved plans and premiums in early fall, ahead of the November 1 open enrollment start date.
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Mask Morons and Rio Blanco County #COVID19Colorado

by Guerin Lee Green Last week, we motorcycled through northwest Colorado, and in a day traveled the width and breadth of Rio Blanco County and back, probably close to 200 miles, on our way from Glenwood Springs to Dinosaur National Monument. We enjoyed our travels, mostly along the White River and then Piceance Creek, stopping and spending money in Meeker and Rangely. We wore masks, ’cause, hey, we aren’t idiots, aware of the science and risks. The same reason we wore helmets, gloves and protective gear on the bike. And checked the condition of the bike and its tires everyday….READ MORE: https://northdenvernews.com/mask-morons-and-rio-blanco-county-covid19colorado/
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by Guerin Lee Green Last week, we motorcycled through northwest Colorado, and in a day traveled the width and breadth of Rio Blanco County and back, probably close to 200 miles, on our way from Glenwood Springs to Dinosaur National Monument. We enjoyed our travels, mostly along the White River and then Piceance Creek, stopping and spending money in Meeker and Rangely. We wore masks, ’cause, hey, we aren’t idiots, aware of the science and risks. The same reason we wore helmets, gloves and protective gear on the bike. And checked the condition of the bike and its tires everyday. It’s why I practice panic stops and high and low-speed maneuvers. All the time. It’s basic risk mitigation. It’s not risk aversion— we rarely followed the speed limits, and at times touched 100 mph on the county’s deserted two-lane roads. And considering we had a pretty close elk encounter in Dinosaur, this travel has real risk. We stopped in Meeker for coffee – a place called Wendll’s. We had lunch at the Main Street Coffee House in Rangely. We looked, but couldn’t find comfortable outdoor dining in Rangely. In neither establishment were employees or customers wearing masks— a clear violation of the State of Colorado’s public health order. Given Rio Blanco’s current COVID19 case count, (Rio Blanco has 6 confirmed cases to date) this wasn’t outlandish. But it was akin to riding in Colorado’s mountains without a helmet. A bit stupid. And on the wrong day, at the wrong time, in the wrong place, deadly stupid. And we wore masks, knowing that we were the most likely vector of the disease in Meeker and Rangely. We were the most likely killers. Upon our return, we’ve seen the Sheriff of Rio Blanco County with this bit of non-sense: “The order from Governor Polis “statewide mask order” will not change the way Rio Blanco County Sheriff’s Office conducts business. We will continue to stand by our mission and safeguard the lives and property of the people of Rio Blanco County. We will not be “patrolling” for people who are out without a mask. Rio Blanco County Sheriff’s Office will step up to the challenge, as now is the time to protect and serve our citizens. We will continue to be vigilant to protect our citizens’ lives and property.” The County Sheriff, a gentleman named Anthony Mazzola, doesn’t seem to think COVID19 is a threat to lives of Rio Blanco County. Frankly, he is either an idiot or participating in a political stunt. The Rio Blanco County Commission, with an outsized vision of their own authority, went on record opposing enforcement of the mask mandate and reviewing their (narrow) options to oppose it. With nearly 150,000 dead Americans, the noble elected officials of Rio Blanco County stand opposed to science, common sense, and their duty to the law and their citizens. It’s frankly a bit unbelievable, but hey, it’s 2020. Idiocy is in ascendancy. We won’t be spending money in Rio Blanco County in the future, and will do our utmost to alert others of the public health stupidity of the county’s elected officials. It’s a beautiful part of our nation. It’s a shame it’s led by morons. In our travels— people seem to chat up motorcyclists— multiple people seemed eager to opine without foundation upon the efficacy of wearing masks. I felt bad that they were laboring under misinformation, or worse yet, embracing dangerous conspiracy theories. I feel like the media and community leaders failed them, and I suppose that includes me. Here’s a great rundown of some of the science of masks and the coronavirus: Jeremy Howard Last week I presented to the WHO Guidelines Development Group. It was targeted towards infectious disease epidemiologists, but many folks have asked me to share ..

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3 Signs Your Business Has The Right Insurance Coverage

Setting up your business’s insurance coverage can feel like a daunting task filled with hard to understand insurance jargon that can leave the average person frustrated and confused. Insuring your company shouldn’t be that complicated. This article is here to help breakdown what you need to know about insurance by condensing the information into three parts in order to simplify your understanding of insurance and ensure that you are correctly covered. State Minimum and Required Coverage Level Just like getting your vehicle insured, there are also state minimums with regards to the coverage levels for your business insurance. While each…READ MORE: https://northdenvernews.com/3-signs-your-business-has-the-right-insurance-coverage/
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Setting up your business’s insurance coverage can feel like a daunting task filled with hard to understand insurance jargon that can leave the average person frustrated and confused. Insuring your company shouldn’t be that complicated. This article is here to help breakdown what you need to know about insurance by condensing the information into three parts in order to simplify your understanding of insurance and ensure that you are correctly covered. State Minimum and Required Coverage Level Just like getting your vehicle insured, there are also state minimums with regards to the coverage levels for your business insurance. While each state differs, most mandated coverages are relatively low however are usually required in order to obtain a trade or contractor’s license. That said, what may be required as minimum coverage in your state will most likely be much lower than the industry standard, which should be considered when choosing insurance for your company. The industry standard is the most common coverage level which most general contractors and organizations will request from companies before signing onto a project. For Commercial General Liability, the industry standard is $1 million per claim or occurrence with $2 million in aggregate (also known as the policy period). While it is convenient to purchase just your state’s minimum coverage level in order to obtain your license, you will find it necessary to increase your policy once you start securing jobs. Not only will you have to pay more, but you will also have to do it under considerable pressure from your employer. They can even shut down the Jobsite if your company does not have an adequate insurance plan. Added tip: When it comes to Commercial General Liability, you should also make sure that you know the difference between a “Claims Made Policy” and an “Occurrence Policy” as described below: Claims-Made Policy: The claim must be made during the effective time of the insurance policy in order for it to be valid. The claim also must have occurred during the effective time of the insurance policy. Occurrence Policy: The claim must take place during the policy effective period, but can be reported at any time after, even if the insurance policy has expired. Having the Right Endorsements and Add-Ons Aside from your regular policy, almost every insurance policy offers optional coverages that are not apart of the insurance package, however, they are required to meet the industry standard. These optional coverages can always be added on once a policy is issued, but it can complicate and potentially delay your work. Here are the most common endorsements for a Commercial General Liability Policy: Waiver of Subrogation This is one of the more confusing endorsements for business owners to understand. In the simplest terms, it is an endorsement or policy add on that prevents your insurance carrier from attempting to recover the money paid out in a claim by suing a third party that could be found as negligent. Additional Insured Endorsement This endorsement is used to add someone to an insurance policy who was not originally named. This is usually someone who has a vested interest in the business or operation. Inland Marine This endorsement increases your company’s current coverage level. It can be used to cover tools and materials that are transported and used on job sites. Primary Non-Contributory Endorsement Many people have a hard time understanding this endorsement. It refers to the verbiage used in your policy which lists the order that a claim (or loss) is worked on when it is covered by multiple policies. General cont..

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https://northdenvertribune.net/thousands-call-for-a-fracking-ban-on-boulder-countys-november-ballot/

Thousands Call for a Fracking Ban on Boulder County’s November Ballot

Activists submit petition that would end oil and gas exploration in Boulder county. What is a fracking ban Today, local environmental and community organizations submitted a petition in support of enacting a fracking ban in Boulder County and formal letter to the Boulder County Commissioners requesting that they refer a fracking ban to the ballot for the November 2020 election. The petition includes a wide array of support from over 50 businesses and nonprofit organizations that represent 130,000 Boulder County residents calling for a ban on fracking in Boulder County. The letter 350 Colorado and allies submitted was signed by…READ MORE: https://northdenvernews.com/thousands-call-for-a-fracking-ban-on-boulder-countys-november-ballot/
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Activists submit petition that would end oil and gas exploration in Boulder county. What is a fracking ban Today, local environmental and community organizations submitted a petition in support of enacting a fracking ban in Boulder County and formal letter to the Boulder County Commissioners requesting that they refer a fracking ban to the ballot for the November 2020 election. The petition includes a wide array of support from over 50 businesses and nonprofit organizations that represent 130,000 Boulder County residents calling for a ban on fracking in Boulder County. The letter 350 Colorado and allies submitted was signed by numerous organizations, businesses and local elected officials, including the Longmont City Council, which voted to support the effort at their meeting earlier this week. The coalition announced that in recent polling 70% of Boulder County voters said they support a countywide fracking ban. “Although eastern Boulder County is most directly and immediately affected by fracking, this is an issue that affects all Boulder County residents,” said Gabrielle Katz, a member of The Lookout Alliance, a community group that formed after the announcement of 140 wells proposed around their neighborhoods. “Make no mistake — the toxic air emissions, risks related to dangerous accidents and spills, and negative impacts to open space, reduce the quality of life for all of us. A fracking ban is the clearest and most effective way to protect ourselves from this hazardous industrial activity.” SB 19-181 eliminated state preemption in regulation of oil and gas activities, granting counties and municipalities land-use and zoning authority over fracking operations and the authority to prioritize public health and safety. Referring a ban on fracking to the November ballot, accompanied by a small sales and use tax increase to support its implementation, will give Boulder County voters the ability to protect themselves from the threat of industrial oil and gas operations. “We have the authority and the means to act to protect our county from fracking and we must use it,” said State Representative Edie Hooton (House District 10), one of several elected officials who signed onto the letter. The proposed ballot measure would permanently ban fracking in the county and create a very small .05% sales and use tax for five years to cover the costs of implementing and supporting a ban. Such costs could include county staff time, legal support, enforcement, acquiring mineral rights and leases, and work in collaboration with the Colorado Just Transition office to support the transition of jobs and infrastructure from the fossil fuel industry to clean, renewable energy to benefit both workers and the county’s health and climate goals. “For years, Boulder County has called on the state of Colorado to allow local regulation of oil and gas production,” said Ramesh Bhatt of the Indian Peaks Group of the Sierra Club. “With the passage of SB19-181 their wish was granted, and our call to action is simple, let the voters decide.” For more than five years, opposition to oil and gas development by fracking in the county has been reinforced as hundreds of local community members crowded public hearing rooms calling for a ban, especially as Extraction LLC and Crestone Peak proposed 140 wells on Boulder County Open Space land. The letter submitted today points to Boulder County’s strong track record on climate policy, including the declaration of a climate emergency in 2019 and the ongoing lawsuit against Exxon and Suncor as an additional precedent for strong action against oil and gas drilling. “Allowing an..

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