Today’s first speaker was Susan O’Kelley owner of Avanti Insurance Services in Golden, Colorado. This quarter Susan is focusing on Personal Lines insurance such as home owner’s insurance, rental policies, auto insurance and condo/townhome insurance. Susan went on to go over a couple of different situations. The first situation is buying a rental property or secondary residence. When purchasing a rental property, a personal line insurance policy will only cover a property with up to four units any more than that you will need a commercial property policy. However, with a personal line policy the mortgage holder may require that you live in one unit and the insurance company may stipulate that you not, so you will need an insurance broker, like Susan O’Kelley to help you navigate this issue. Another item that Susan pointed out is that when owning a rental property, it is best that you require your renters have a rental policy and have you named on said policy as an additional insured. She has seen cases where a renter has come back and sued a property owner for their belonging after a catastrophic loss. Keeping in mind that with a rental property the property insurance policy covers the structure and appliances and the renter’s policy covers personal property of the tenants. Renter’s policies are relatively inexpensive and easily available. If you are turning your property into a Airbnb or vrbo property make sure to do your research on the insurance part of the industry prior to taking the plunge and if you are serious – check with Susan O’Kelley and Avanti Insurance Services to make sure you have everything in line. Companies like Uber and lyft offer an insurance policy that you purchase through them, as your personal insurance will not cover you when you are driving for a ride sharing company. Please review these additional policies very closely and make sure that this policy truly covers you in the event of an accident. The last reminder that Susan wanted to tell us – is that if your car is broken into – but the car itself is not stolen – this is going to be covered by your homeowner’s or renter’s policy not your auto policy. The reason being is that your homeowner’s policy covers your personal property (cell phone, laptop, purse, etc.) and your auto policy cover – just that your auto.
If you are looking for an insurance agent that will provide you excellent service and educate you on what policies will work best for your current situation – give Susan O’Kelley and the Avanti Insurance Services team a call!
Susan O’Kelley * Avanti Services * 303.278.2278 * scokelleymyavantiservicescom * www.myavantiservices.com
Our second speaker today was Edna Miklos, owner of The Hair Place in Golden, Colorado. Edna spoke to us today about the various types of hair color and the technical aspects of introducing color to hair. When to start coloring depends on the person, when one is younger the desire for color is based on the kind of color one is looking for:
1) You can change the color and texture of your hair by putting in highlights.
2) You can add tone to your hair by using a semi-permanent color.
As we age the desire is also based on what you are looking for, but also based on the amount of gray:
1) To cover the gray, one will use a permanent color – to blend gray you use a semi-permanent color
2) You can also blend gray with highlights
3) With highlights you can use a semi-permanent to blend in what is not highlighted.
When to stop coloring too, is very individual, as we get more gray our sjin tone changes as well so the hair color needs to change or be lightened up to maintain a natural look. An example would be if you had dark brown hair most of your life and are 60-70% gray you will need to lighten up the color you are using or switch to highlight to brighten it up. You can also use a semi-permanent color to add tone without a grow out line. Some older women still look better with some tone to their hair because the gray washes out their skin.
There are three kinds of hair color:
Rinses – water soluble colors – these can be fanciful rinses, colored shampoo and conditioners. These are designed to impart tonal color to the hair and not be permanent. The colors are a stain and if the hair is very porous will not always wash out.
Semi/Demi Colors – these colors are not permanent, they are designed for adding tone and shine to the hair. If used more that recommended it can leave a line of demarcation (where you can see the natural base color at the scalp), generally these colors are used with darker hair or as a clear gloss. At The Hair Place they recommend and use Redkin Shades EQ. It is a 20-25 minute color that goes under the hair’s cuticle layer with heat so it will slowly fade out. This color can last 3-4 weeks, with a redo in 8-10 weeks. Shades EQ is a great way to ease into a color or to blend out your gray and can even be used as a toner for highlighting.
Permanent Color – are just that, permanent, the only way to get rid of the color is to cut it off. There are many different ways of doing permanent color. These colors can range from dark brown to blonde.
Frosts, Weaves, Foils and Balayage – are some of the techniques that will lighten or darken the hair.
Frosts are done with a cap and pulling small amounts of hair through the cap and decolorized or lightened. This is usually done with short hair and bleach and the cap is to protect the hair underneath.
Balayage, Weaves and Foils are when the hair is sliced out and applying color to those strands to either lighten or darken the hair. Weaves and Balayages don’t use foil to wrap the hair. You can use two or more techniques or two or more colors to achieve the desired result.
Foils – use vertical slices of hair either weaved or a straight piece, colored and wrapped in foil. The results are more noticeable and visibly stripy because of placement.
Weaves and Balayages – this is a free hand slicing, with weaves you typically don’t foil, but you can, it is all based on what you want as the end result. Balayage and weaves are horizontal and yet broken up to give a more natural look. Both treatments can have heat applied depending on the final color you are trying to achieve. This process allows for a very fine color, a blended look or even a chunky appearance.
Keep in mind when you have color treated hair you need to make sure you use good products that will protect your hair. Sun, wind, lights, product, blow drying and curling irons can all be a factor in color fading. Redken has a very good product for color treated hair and also for sun damage, this will help against color fade.
If you need to find a new hair stylist or would like a color consultation give Edna Miklos and The Hair Place a call!
Edna Miklos * The Hair Place * 303.233.4764 * www.thehairplaceapplewood.com