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Wednesday, December 18, 2013

Where to See Christmas Holiday Lights, Displays and Decorations in Denver: Neighborhoods, Addresses, Maps and Directions

The Christmas holiday light displays and decorations are twinkling across Denver. Several local resources have put together interactive maps, directions, and addresses for you to see the best and brightest neighborhoods along the Denver Front Range.


A Slideshow of Denver Favorites from 2012 with Addresses

I bet they're decorated again this year!



The Denver Post has done an especially good job with their Holiday Lights Map. Submit your own or grab an address and drive the decorated neighborhoods including Highlands Ranch, Englewood, Arvada, Aurora, Littleton, Centennial, Lakewood, and all across Denver.



Merry Christmas & Happy Holidays from Jim Holmes









Saturday, December 7, 2013

Review: Clare Bridge Crossing at Clare Bridge Highlands Ranch: Dementia and Alzheimers Care, Denver, Colorado

by Jim Holmes

A vital part of my job as a Certified Senior Housing Professional & Senior Real Estate Specialist along the Denver Front Range is staying abreast of the various senior communities in the area that may be helpful to my clients or their family caregivers when the time comes for an older adult to transition - or right size - to a senior community.


So last week I made it a point to be at the Expansion Open House & Ribbon Cutting for the new Clare Bridge Crossings at Clare Bridge Highlands Ranch, part of the Brookdale Senior Living family of communities. Clare Bridge Crossings is Brookdale’s newest senior living solution designed for those in the early to mid-stages of Alzheimer’s and related dementias.

Jim Holmes and Britny Otto

I spent some time speaking with Britny Otto, the Executive Director of the community, and discovered that the staff is carefully vetted, selected and trained to manage the challenges associated with dementia. Their approach - called the Clare Bridge Daily Path - provides a gentle structure to each day that targets specific needs of those with Alzheimer's and various types and levels of dementia. It features:

Morning Mental Workout - Daily late morning mental exercises including discussions, brain stimulating games, and reminiscing.

Daily Physical Activity - A variety of exercise opportunities including group exercises, walking programs and dancing.

Daily Life Skills - Individual or group activities that provide a sense of purpose, meaning, and belonging.

Person Centered Life Enrichment Programming - Activities are designed using the resident's own social history information as a foundation.



As I walked about the community, I found that the interior design has been perfectly set to feel like that of a private home and the enclosed walking areas give residents a chance to move around and exercise, while also maintaining a standard of safety.


The Clare Bridge Dining Program, awarded a top level certification by the Assisted Living Federation of America (ALFA) is a nutritional and dining program designed by a team of specialists to help those with Alzheimer's and dementia. It offers dementia-friendly menus, individualized dining assistance, a supportive environment and consistent seating arrangements.

If you're an older adult or the family caregiver of one ready to rightsize, please feel free to contact me for further insights and advice on senior living options across the Denver Front Range and/or for assistance with other senior real estate services.



Custom Mountain Estate on 35.18 acres with incredible grounds, spectacular views of snow capped mountains includes guest house with 834 SF oversized heated garage located in gated community. The English Country home built by Nicholas Custom features finest finishes and millwork and was recently updated and remodeled. Main floor includes formal dining with adjacent butler pantry and wet bar, living room/music room, a gourmet kitchen with a huge center island, slab granite, separate Sub Zero Refrigerator and Freezer, two dishwashers, large country sink and additional prep sink, double ovens, microwave and stove, large walk-in pantry and custom 42 cabinetry. Adjacent to kitchen is a large casual dining room with three-sided fireplace, family room shares fireplace, spectacular sun room/office. Main floor master suite has sitting area, gorgeous master bath with heated spa tub, radiant tiled floors, separate vanities, large steam shower, his and her walk-in closets. Evergreen Schools.



Monday, November 4, 2013

Centennial, Colorado House for Sale: 3891 E Long Court, Centennial, CO, 80122: Littleton School District

Spend the holidays in your new house!

Please join me at this home on for an Open House on Wednesday, November 13, 2013 from 4:30-7p with drinks & Hors D'Oeuvres.

Littleton school district colorado


Have to sell your home before you buy? This home is a perfect match! Seller would consider a contingency contract.

Centennial Colorado house for sale

Exterior Features: Just under .25 Acre, corner lot, sits on cul-de-sac. Large deck in backyard with mature trees. 

Easy access to Denver Tech Center, South Suburban Golf Course, and Linksview Park.


Move In Ready, Cozy Two Story Home: professionally remodeled offering separate Formal Living/Dining Rooms with Bay Windows; New Flooring throughout;  Kitchen Cabinets/Granite Countertops; New Baths; New Wrought Iron Rails; Finished Basement with Family Room and additional Bedroom. 



This Corner lot sits within a Cul De Sac and offers just under .25/Acre;  large deck off the kitchen; mature trees. It's within walking distance to the South Suburban Golf Course and the close to the Denver Tech Center. 

Popular Highlands 460 Neighborhood within the Littleton School District - Highland Elementary, Powell Middle, and Arapahoe High. This home is ready to create new memories for its next family.

Join me, Jim Holmes, at the Open House on Wednesday, November 13, 2013 and contact me here for more information.

Tuesday, October 8, 2013

Seniors Visiting Seniors in South Denver

I've recently launched an initiative throughout South Denver called "Seniors Visiting Seniors," a Senior ambassador program designed to help brighten the lives of Seniors in retirement and assisted living facilities.

It’s a fairly simple concept based on giving Seniors an easy way to connect with other Seniors through requested visits within a Senior Community.

The pilot program was launched at Someren Glen Retirement Community, which is part of Christian Living Communities in Centennial, Co.


The idea is based on the exact opposite message we have all seen hung on hotel room doors boldly stating 'DO NOT DISTURB.'



Instead, the same style of door hanger stating 'I WOULD LIKE A VISIT' is given to all residents should they ever want to request a visit for any reason. They may be lonely and just need someone to listen. They may have been dealing with something difficult and just not know anyone well enough to reach out for support of any kind.

Here are a few ways I intend for this program to be beneficial to all concerned: 

1) Staff at the communities can be alerted to any potential physical or emotional problems their residents are experiencing.

2) The residents themselves benefit from knowing that someone cares and by the emotional boost they receive from the Ambassador visits.

3) Senior Ambassador volunteers from within the community have an opportunity to support their peers, stay active and truly enjoy getting to know their neighbors better often by sharing stories and discovering common interests.

4) This will encourage socialization and connections among the residents of the community themselves, with those who are being visited inspired to get out of their apartments or rooms and become members of the program themselves, visiting others and actively participating in "Seniors Visiting Seniors."

5) During the summer months, we plan to recruit school-age kids to take part in the program as well, bringing a sense of youthful exuberance to the visits. 




With the help of my assistant, Christine Watson, and the support of Someren Glen's Life Enrichment Director, we have begun the process of recruiting and training Ambassadors, with an initial 26 visits already placed.

Feedback from the Ambassadors has been quite positive. It’s been a pleasure for them, while making a great difference for all the folks they visit.

My vision is that this program be primarily resident-driven, placing no additional burden on community staff.

As a south Denver real estate agent who specializes in helping seniors or their caregiver families negotiate the complexities of a late-in-life move, I love the opportunity to be able to give back to our community and enrich the lives of all involved in this project. The more communities and people we can get involved in this initiative, the better!

If you'd like more information on including the "Seniors Visiting Seniors" program at your community along the Denver Front Range, or if you're involved with a group of youths who may like to be involved as Ambassadors in the summer months, please contact me here for more information.



Wednesday, October 2, 2013

How the Government Shutdown Affects Home Loans and Mortgages in Denver

Here's what buyers and sellers of homes in the south Denver area can expect as a result of the shutdown of the U.S. government.

Many U.S. agencies involved in the federal approval of loans for houses in Colorado - in addition to agencies you may need customer service from as part of the home sale process - are not open for business.

Here's a rundown of their status and what you can expect in terms of non-service and delays. This information is via The National Association of Realtors. - Jim Holmes


What a Government Shutdown Means for Real Estate Transactions
(As of October 1, 2013)

Congress has failed to approve a Continuing Resolution (CR) providing funding for most government operations. Therefore, spending authority for most of the government expired at midnight on September 30, 2013. Until legislation providing for funding is signed into law, many offices and programs of the federal government are now shut down. This means many, but not all, government programs, including some that impact federal housing and mortgage programs, have been suspended or slowed due to the lapse in government funding. The Office of Management and Budget (OMB) requires each agency to have contingency plans in place. The information below is based on NAR staff review of agency agency contingency plans for the current shutdown and past experience with previous shutdowns and near-shutdowns.


Internal Revenue Service (IRS)

The IRS is closed and has suspended the processing of all forms, including tax return transcripts (Form 4506T). These transcripts are required for many kinds of loans, including FHA and VA, so delays can be expected if the shutdown is protracted.

Social Security Administration (SSA)

The Social Security Administration is closed and has suspended most customer service functions. According to the SSA Contingency Plan, verifying Social Security numbers through the Consent Based SSN Verification Service will also be suspended during the shutdown, a further complication for mortgage processing.

Federal Housing Administration

HUD’s Contingency Plan states that FHA will endorse new loans in the Single Family Mortgage Loan Program, but it will not make new commitments in the Multi-family Program during the shutdown. FHA will maintain operational activities including paying claims and collecting premiums. Management & Marketing (M&M) Contractors managing the REO portfolio can continue to operate. You can expect some delays with FHA processing.

VA Loan Guaranty Program

Lenders will continue to process and guaranty mortgages through the Loan Guaranty program in the event of a government shutdown. Expect some delays during the shutdown.

Flood Insurance

The Federal Emergency Management Agency (FEMA) confirmed that the National Flood Insurance Program (NFIP) will not be impacted by a government shutdown, since NFIP is funded by premiums and not tax dollars. Changes to the flood insurance program scheduled to take effect on October 1 will be implemented as scheduled.

Rural Housing Programs

For the U.S. Department of Agriculture programs, essential personnel working during a shutdown do not include field office staff who typically issue conditional commitments, loan note guarantees, and modification approvals. Thus, lenders will not receive approvals during the shutdown. If the lender has already received a conditional commitment from the Rural Development office, then the lender may proceed to close those loans during the shutdown. A conditional commitment, which is good for 90 days, is given to a lender once a USDA Underwriter approves the loan. If a commitment was already issued, the funds were already set aside and the lender may close the loan at its leisure. If Rural Development has not issued a conditional commitment, the lender must wait until funding legislation is enacted before closing a loan.

It is important to note that the traditional definition of “rural” for qualifying communities for assistance will be continued in effect during the shutdown. We expect that language to continue the current definition will be included in whatever funding measure is eventually enacted.



Attention Investors*Fix & Flip! Prime Denver Neighborhood! Ranch style w/ 3 beds on main flr* 3 ba*

Tuesday, September 24, 2013

A Poem for Senior Citizen Family Caregivers

I recently discovered a poem that I know speaks with emotion to anyone who is a caregiver of a senior citizen. If you know of a family caregiver who works passionately to meet the needs of their loved one, please feel free to share this with them.

As a Denver Front Range REALTOR who specializes in helping elders and their caregivers through the sale of a family house, I'm regularly fortunate to meet dedicated folks from Colorado who daily face the obstacles spoken of in the poetry below. - Jim Holmes


"Caregiver"
By Sue Green

"The surreal world I live in
Thrust there over night
It was a stroke that hit him 
Since then just nothing’s right

The frustration of it all.
The many hats I wear
The tasks that never end
The new roles that I bear

I wake up in the morning
Wishing for the past
Stick to his routines
And never move too fast

There’s someone living in my house
I know there’s someone here
Why do I feel so all alone
Even when he’s near?

Some days he comes to visit
And talks of things we share
tho conversation’s brief
And oft’ too short to bear.

I try to see it his way.
I try to help him out.
I know he faces struggles
For him, no easy bout.

A different world he lives in
His own pace that he sets
I try to make him understand
He sometimes tries, and yet

Can I know the effort that it takes
To put together words to talk?
Can I feel his inner struggle 
When he tries to walk?

I can only be there
Let him know I’m here
I can sit beside him
And try to ease his fear.

It’s a surreal world we both live in
Just ‘one day at a time.’
With some days still a struggle
When all is not sublime."




Tuesday, September 17, 2013

{Infographic} Fannie Mae Home Sales Outlook and Mortgage Rates for Denver Through 2014

Fannie Mae recently released their anticipated housing forecast for Denver, Colorado and the entire U.S. This 12-month forecast ranges from August of 2013 through August of 2014 and shows a robust home sales outlook over the next year. It also includes a look at the previous 12 months of action, back to the third quarter of 2012.

The number of homes sold will increase nicely and the average price of those homes will also rise. However, mortgage rates will also jump significantly.


So if you've been considering selling your Colorado house, now would clearly be the time to begin heavily investigating the possibility of such and finding the right REALTOR for your needs.

At the same time, if you've been considering buying a Denver-area house, now is the time to do so before the mortgage rates move even higher.

Whether you're a buyer or seller, I stand ready to help. Contact me for a no-obligation discussion of your situation. I'll provide a free market analysis and happily offer advice!





Tuesday, September 10, 2013

Honoring Colorado Senior Citizens and World War Two Veterans: Rocky Mountain Honor Flight

You've probably heard of the Honor Flight Network, a national initiative that began in 2006 with the goal of flying every able and willing World War II veteran to Washington D.C. to visit "their" World War II Memorial. The trip is completely free of charge to these heroes.

Our local chapter of this excellent program is Rocky Mountain Honor Flight, a Denver Colorado based non-profit organization formed in 2007.

I was inspired to provide more information about Rocky Mountain Honor Flight when I happened across news that Dick Raiter, a veteran and resident of the Holly Creek Retirement Community in Centennial, would be treated to an Honor Flight to D.C. on September 12 of this year. Here's a photo of Mr. Raiter with his daughters Debbie Colussy (L) and Marty Frampton (R).


This is such a fantastic program that honors our veterans and offers them a 3-Day, free trip to D.C. where not only are they honored, but they receive the opportunity to honor and remember their friends and lost colleagues.


All Honor Flight programs operate exclusively on donations from patriotic individuals and businesses. I hope you'll take a few minutes to learn more about our Rocky Mountain Honor Flight and consider a donation or perhaps even volunteering opportunities with the group. They do heartfelt work.

From Evergreen to Englewood to Lone Tree to Aurora to Centennial to Denver to Highlands Ranch and everywhere in the area, if you know of a veteran who should make the trip (and that includes terminally ill Korea or Vietnam veterans) please pass along the info to them and encourage them to fill out an application to be added to the list. - Jim Holmes










Tuesday, September 3, 2013

Activities for Seniors with Alzheimers or Dementia in Denver

In my job as a Realtor along the Denver Front Range - one who often specializes in working with senior clients or their caregiver families - I often get the honor of helping seniors with diminished memory. I see the heartache that family members experience as they struggle to deal with a parent who seems to be slowly slipping away.

But those same family members often share with me the ways that they cope and also work to motivate their parents to stay in the present. I thought I'd share with you some of their advice. - Jim


Utilizing the 5 Senses is one of the best ways to help seniors with dementia or Alzheimers enjoy activities that used to be a fun or important part of their lives.

The smells and activity of cooking or baking can bring back memories and inspire a senior. Offer them (and yourself) the Gift of Taste.

*Try encouraging them to help you bake cookies. They may not remember how, but drop some cookie dough in front of them and a senior citizen in the Denver area may just find themselves excited to spread the dough out and spoon it up. Hands often remember better than the mind.

*Sample different flavors of tea

*Sample holiday treats that can bring back warm memories, like candy canes, jelly beans, pumpkin pie, and the like.

Sound

*Very few things evoke memories like music. It's a powerful thing. Spend some time with your loved one and their favorite music. Again, holidays and special occasions typically stand out, so sing some holiday carols to them, along with Happy Birthday (insert the names of family members), Here Comes Peter Cottontail, etc.

*Grab a CD with some of their favorite music or tunes from the era in which they grew up. You can also take them to as many local concerts and performances as possible, be it a park concert in Aurora, a big show in Denver, or a school concert in Evergreen.



Again, whatever the music, it's a powerful tool that magically enlivens the mind.

Smell

Once again, the proper smells can bring life to the eyes of your Mom or Dad with dementia or Alzheimers. Stimulate their senses with the lavender sachets you know they love, or orange peels slowly simmering in a pot on the stove. As I mentioned before, holiday smells are powerful and bring back memories of their family members and special moments, so burn candles with holiday smells like peppermint, pumpkin pie, or other holiday spices.

These are just a few, simple things that have worked for other family caregivers along the Denver Front Range. If I may assist your family in the sale of a home, or advise or refer you to other senior-focused professionals that may be of help to you, please feel free to contact me at any time.



Monday, August 26, 2013

Denver Labor Day Weekend Party Ideas, Food and Recipes

While parades and festivals are certainly an important part of honoring the working men and women of America on Labor Day, a great party and end-of-summer cookout will also do the trick - especially here along the Denver Front Range where our summers can be a bit short.

So, I thought I'd put together a few photos, recipes, and other ideas to help spark some creativity in your Labor Day 2013 celebration in Denver - Jim




If you're going to throw a party, you may wish to send out a few party invitations. Martha Stewart offers some quality, downloadable Clip Art here.


Try serving a unique beverage like this Lemony Spiked Sweet Tea, a southern favorite complete with golden rum. This recipe is from Chef Emeril Lagasse.


Seriously? Guacamole Hummus? What a unique idea!


Thrill everyone with a Bacon Wrapped Hamburger on the grill


In Keeping with the Bacon Theme...










Have a Peaceful Colorado Labor Day Weekend!













Tuesday, August 13, 2013

Information on the Denver Walk to End Alzheimers 2013

I've always enjoyed taking part in the Denver Walk to End Alzheimers, just one way we all can work to help destroy this horrible disease.

This year's event is scheduled for Saturday, September 21, 2013. Of course, both individuals and teams take part in this vital fundraiser for the Alzheimers Association.

Folks from Evergreen to Aurora to Englewood to Centennial are finding sponsors, organizing teams, and getting ready to hit the path.

There's nothing like popping on that purple t-shirt and going for an invigorating walk: one that'll keep you healthy, raise money to help others, and to help researchers figure out a way to stop this disease before it affects our kids and grandkids along the Denver Front Range.


The link below will take you to where you need to go to register as a participant, team, volunteer, or donor. Plus learn more about helping to eradicate Alzheimers. - Jim Holmes 

Looking forward to seeing you there!









Video

Why Do You Walk to End Alzheimers?

Wednesday, August 7, 2013

Mrs. Wyoming 2013 Visits Holly Creek Retirement Community

A few weeks ago I stopped by the Art Walk at Holly Creek Retirement Community in Centennial, one of the many events they have going on during their "Summer Open House" series.

Imagine my surprise when I came across Mrs. Wyoming 2013, Atana Velasquez! Well, of course I had to get my picture taken with her.

Mrs. Wyoming is related to Donna Nelson, one of the stellar staffers at Holly Creek. - Jim



I also want to point out that Holly Creek offers a non-stop series of activities and presentations nearly every single day, designed to enlighten, inform, and entertain seniors. And you don't have to be a resident to attend.

If you're an area senior or the caregiver of one, feel free to stop by and take in the events and educational lectures at any time. Here's a list of their past events in July of 2013 alone.

Art Walk







Tuesday, July 30, 2013

South Denver Senior Citizen Discounts

No matter our age, we all love a discount, right? Of course, as we reach baby boomer status at 50 or 55 and then senior citizen status at 65, restaurants and businesses of all sorts across South Denver and the country begin to offer us special discounts based on our age.

Regardless of whether or not we "need" the discount economically, it's still fun to receive it.

So, I thought I'd scan the Internet and come up with a list of businesses that provide boomer or senior citizen discounts to their customers. From Englewood to Aurora to Evergreen to Denver, get ready to save some dollars! - Jim

Disclaimer: I culled most of these from the Internet and businesses regularly change their perks, so be sure to ask about and confirm the discount when you place your order.




Restaurant Discounts

Applebee’s: 15% off with Golden Apple Card (60+)

Arby’s: 10% off (55+)

Ben & Jerry’s: 10% off (60+)

Bennigan’s: discount varies by location (60+)

Bob’s Big Boy: discount varies by location (60+)

Boston Market: 10% off (65+)

Burger King: 10% off (60+)

Chick-Fil-A: 10% off or free small drink or coffee (55+)

Chili’s: 10% off (55+)

CiCi’s Pizza: 10% off (60+)

Denny’s: 10% off, 20% off for AARP members (55+)

Dunkin’ Donuts: 10% off or free coffee (55+)

Einstein’s Bagels: 10% off baker’s dozen of bagels (60+)

Fuddrucker’s: 10% off any senior platter (55+)

Golden Corral: 10% off (60+)

Hardee’s: $0.33 beverages everyday (65+)

IHOP: 10% off (55+)

Jack in the Box: up to 20% off (55+)

KFC: free small drink with any meal (55+)

Krispy Kreme: 10% off (50+)

Long John Silver’s: various discounts at locations (55+)

McDonald’s: discounts on coffee everyday (55+)

Mrs. Fields: 10% off at participating locations (60+)

Shoney’s: 10% off

Sonic: 10% off or free beverage (60+)

Steak ‘n Shake: 10% off every Monday & Tuesday (50+)

Subway: 10% off (60+)

Sweet Tomatoes: 10% off (62+)

Taco Bell: 5% off; free beverages for seniors (65+)

TCBY: 10% off (55+)

Tea Room Cafe: 10% off (50+)

Village Inn: 10% off (60+)

Waffle House: 10% off every Monday (60+)

Wendy’s: 10% off (55+) White Castle: 10% off (62+)
Retail and Apparel

Banana Republic: 10% off (50+)

Bealls: 20% off first Tuesday of each month (50+)

Belk’s: 15% off first Tuesday of every month (55+)

Big Lots: 10% off

Bon-Ton Department Stores: 15% off on senior discount days (55+)

C.J. Banks: 10% off every Wednesday (60+)

Clarks: 10% off (62+)

Dress Barn: 10% off (55+)

Goodwill: 10% off one day a week (date varies by location)

Hallmark: 10% off one day a week (date varies by location)

Kohl’s: 15% off (60+)

Modell’s Sporting Goods: 10% off

Rite Aid: 10% off on Tuesdays & 10% off prescriptions

Ross Stores: 10% off every Tuesday (55+)

The Salvation Army Thrift Stores: up to 50% off (55+)

Stein Mart: 20% off red dot/clearance items first Monday of every month (55+)





Monday, July 22, 2013

Aurora, Colorado: Villas at Cherry Creek Neighborhood Wine Tasting Event and Open House



This Wednesday, July 24, 2013 please feel free to attend (and invite any friends to) my Neighborhood Wine Tasting and Open House from 4:30 to 7pm at the Villas at Cherry Creek in Aurora.

This great neighborhood with many amenities is a perfect, gated community and within just a few steps of Cherry Creek State Park.



The wine tasting event will take place at a home we are featuring for sale at  5031 S. Auckland Court.


This low maintenance, ranch style home has a finished, garden level basement and:

• Large Master Suite
• 2 Large Bedrooms on Lower Level with Full Bath
• Exquisite Finishing Touches
• Lots of Storage
• 3,670 Finished Square Feet

When arriving at the gated community, simply enter “Rider” as the resident gate code for access.

I'll look forward to seeing you there for a great glass of wine, conversation, and tour of a beautiful home. - Jim


Thursday, July 11, 2013

Colorado and Denver Front Range Back Country Horsemen Association Information

Horses and Colorado just go hand-in-hand!

I've had the pleasure and pure enjoyment of owning horses most of my life. My first horse - at the age of 13 - began a lifelong relationship with those beautiful animals and the nature in which they thrive.


Today, I'm a strong proponent of maintaining the horse culture in Colorado and ensuring that the riding trails in our area, and all across the state, remain passable for the enjoyment of all, and that the excitement of an afternoon atop a horse and in the mountains remains a reality for future generations.

In addition to hitting the trails as often as I can, I'm proud to be a member of the Back Country Horsemen of America, a national volunteer organization that works to perpetuate the common sense use and enjoyment of horses in America and Colorado's back country.



Additionally, there are 11 local chapters of this national group in Colorado, so I wanted to utilize this blog post to help spread the word about these excellent groups. If you live in Colorado, love horses, and enjoy riding the back trails of our great state, I hope you'll investigate what being a member of our horse-loving groups entail. I'm also providing a few links to other equestrian-themed organizations and folks in our area.

As a Denver Front Range real estate agent, I know how much the romance and allure of horses lends to the positive lifestyle and enjoyment of our communities. It's part of our culture and just one of the many things that makes living in the Denver area enjoyable and worthwhile. The bottom line is that many people move to - and buy a house - in Denver, Colorado just because of the opportunity to take part in the horse lifestyle.

Whether you'd like more information on buying or selling a house in south Denver or more information on the vibrant horse-riding opportunities in our area, please feel free to contact me at any time. I'll be happy to share all that I know! - Jim Holmes