There's a burglary every 15 seconds in the United States - and more than 6 Million home break-ins every year. The good news: Your house doesn't have to be one of them. There's plenty you can do, experts say, to make it tougher for housebreakers to make off with your hard-earned, perhaps irreplaceable stuff.
A few smart moves within the house can keep a burglar out - or at least minimize his haul.
Put lights and a radio or TV on timers. People who leave the lights on all day "might as well put out a sign in their front yard saying they're out of town" says Ann Lindstrom of ADT Security Services, the nation's oldest alarm-system company. Look for the type of timer that can be set for random on and off times. Otherwise, it's too easy for crooks to get wise to the fact that your lights are coming on at the same time every night.
Don't rely on your dog. You'd like to believe that your "vicious" golden retriever will scare off burglars. And though barking may persuade them to skip your house, you shouldn't count on it. "Most of us train dogs to be friendly to strangers", says Frank Santamorena, an expert for the Discovery Channel's burglary-prevention show, It Takes A Thief. Some thieves even bring dog biscuits.
Close most shades. If a thief can't see inside, he won't know whether there's anything worth stealing, says Lauren Russ, executive director of the nonprofit Burglary Prevention Council (BPC). But keep a few shades open on the second floor to make it look as if someone is home.
Lock up valuables. It may sound obvious, but thieves know we all like to hide our most important things under the bed, in a coffee tin, or behind a bookcase. So keep passports, Social Security cards, and the like in a bank safe-deposit box or in a heavy-duty combination safe you can bolt to the floor in a closet.
Keep two jewelry boxes. Store inexpensive pieces in the nice case on your dresser. Stash the good bits in a safe. A thief may be fooled by the "cheap box" and not bother looking for more.
Lock away guns. Weapons are attractive to thieves, so if you have them in your house, hide them in a safe, just as you would conceal other valuables.
Make your stuff harder to sell. Use an engraving pen (sold in hardware stores) to mark big-ticket items, like electronics and computers. Prominently engrave your initials and driver's license number (not your social security number) on the back. Since many pawnshops don't accept ID engraved items or are required by law to report them to the police, burglars may pass on them. At the very least, you'll have a better change of recovering them.
Get an alarm system. A recent survey by Temple University researchers found that alarms, when used in combination with other precautions, reduce the likelihood of burglary be as much as 66%. All monitored electronic-security systems operate through phone lines. The more recent types have backup service that uses cellular technology or digital radio, so if the line is cut or the power goes out, you're still protected. This can add a few hundred dollars to the bill, but experts say it's a must. Expect to pay at least $350 for installation and around $35 a month in monitoring fees.
Monday, October 08, 2007
Wednesday, October 03, 2007
City and County Green Building Codes
GET INVOLVED!
THIS WILL AFFECT YOU WHETHER YOU ARE A BUYER OR SELLER!
The city and county green building programs are moving forward and your participation in the public process is welcome!
City of Boulder - Green Points (Office of Environmental Affairs): Elizabeth Vasatka VasatkaE@bouldercolorado.gov (email her to be on a listserv of updates)
Hearings: (at City Council Chambers, 1777 Broadway)Planning Board: October 4th,
(agenda item C-around 8 pm)
City Council (first hearing): October 16th
City Council (second hearing): November 13th Boulder County - Build Smart: Michelle Krezek mkrezek@co.boulder.co.us (email her to be on a listserv of updates)
Hearings: Board of Review: October 25th, 3:30 pm Drafts and further hearing dates will be posted on http://www.co.boulder.co.uslu/
The city's update to the current Green Points program is building on the evolution of a 10 year old green building program. Revisions include mandatory measures for energy performance for new construction, deconstruction and construction waste requirements, and mandatory measures for remodels and additions. The goal is to have a comprehensive program that includes indoor air quality and sustainable resource management. The city's program set an energy threshold of 50% above code across the housing sizes, but will be asking Planning Board for its feedback on scaling energy efficiency by house size.
The county's program is starting with energy efficiency, waste and water measures that are mandatory. We're thrilled to have the county join the ranks of local governments mandating a level of green building measures.
Remember, these juridications have different development patterns, housing types, housing sizes and direction from their public officials. Visit the web site, www.bouldergreenpoints.com, to educate yourself on the processes and documentation involved. BGBG's goal is to make green building common practice! We encourage you to educate yourself about these important, impending policies decisions and thank you in advance for participating.
Wednesday, September 26, 2007
New Energy Economy
Legislation Launches the New Energy Economy
More than 20 energy-related bills passed the legislature and were signed into law. Several of these new laws provide a critical boost to energy efficiency and renewable energy efforts in Colorado. A recent Governor's Energy Office newsletter summarized the key bills and explained how they are setting the foundation for the vision of the New Energy Economy Governor Ritter established for Colorado during his campaign last year.
House Bill 1281 doubled the Amendment 37 renewable standard passed by the voters in 2004. Investor-owned utilities must now generate 20% of their electricity from renewable energy by 2020. And the municipal and rural co-op utilities must achieve 10%.
House Bill 1279 extends the sales tax exemption on manufacturing equipment to renewable energy generation, saving millions of dollars for companies investing in Colorado and also reducing costs of electricity for all Coloradans.
House Bill 246, Clean Energy Fund, will provide a steady stream of revenue ($7m in 2008) to the Governor's Energy Office for the purposes of advancing energy efficiency and renewable energy throughout the state.
House Bill 1087 creates a grant program to place wind turbines on schools.
House Bill 1228 requires biofuels be used in state fleet vehicles.
The Greening of Government Executive Order set a goal of a 25% reduction in petroleum fuel usage by 2012 in the state fleet through the use of biofuels or by increasing efficiency.
House Bill 1146 raises the baseline for local building codes to the 2003 International Energy Conservation Code.
House Bill 1037 requires investor owned gas utilities to invest in energy efficiency, and directs the Public Utility Commission to set new goals for electric energy efficiency.
More than 20 energy-related bills passed the legislature and were signed into law. Several of these new laws provide a critical boost to energy efficiency and renewable energy efforts in Colorado. A recent Governor's Energy Office newsletter summarized the key bills and explained how they are setting the foundation for the vision of the New Energy Economy Governor Ritter established for Colorado during his campaign last year.
House Bill 1281 doubled the Amendment 37 renewable standard passed by the voters in 2004. Investor-owned utilities must now generate 20% of their electricity from renewable energy by 2020. And the municipal and rural co-op utilities must achieve 10%.
House Bill 1279 extends the sales tax exemption on manufacturing equipment to renewable energy generation, saving millions of dollars for companies investing in Colorado and also reducing costs of electricity for all Coloradans.
House Bill 246, Clean Energy Fund, will provide a steady stream of revenue ($7m in 2008) to the Governor's Energy Office for the purposes of advancing energy efficiency and renewable energy throughout the state.
House Bill 1087 creates a grant program to place wind turbines on schools.
House Bill 1228 requires biofuels be used in state fleet vehicles.
The Greening of Government Executive Order set a goal of a 25% reduction in petroleum fuel usage by 2012 in the state fleet through the use of biofuels or by increasing efficiency.
House Bill 1146 raises the baseline for local building codes to the 2003 International Energy Conservation Code.
House Bill 1037 requires investor owned gas utilities to invest in energy efficiency, and directs the Public Utility Commission to set new goals for electric energy efficiency.
Monday, September 17, 2007
The Latest FHA News from DC
THE LATEST FROM DC:
1) FHA LEGISLATION TAKES A MAJOR STEP FORWARD
On late Friday afternoon, Senate Banking Committee members struck a deal on FHA modernization legislation. This is the key step on the road to enactment of the legislation in the next 30 days assuming the deal holds. The Committee is scheduled to mark-up the bill on Wednesday, September 19th. The FHA bill can now move expeditiously through the Senate because of the bi-partisan support. The key provisions are: (We will provide an in-depth analysis of the provisions after the mark-up)
a. Higher mortgage limits
The Senate bill will increase the FHA limits as follows:
FHA floor increases from 48% to 65% of the GSE limit (i.e. from $200,160 to $271,050)
The new floor will likely be effective upon signature by the President.
FHA ceiling will increase to $417,000
This provision will likely not be effective immediately. FHA will need to analyze local markets to determine whether an increase is justified. We do believe that FHA will move to increase limits ASAP.
b. Lower and more flexible down payment
The compromise will require 1.5% borrower cash investment. There will be a cap of 100% loan-to value ratio. However, the upfront MIP will apparently be required to be included in the 100% LTV effectively capping the loan amount at 98.5% assuming an upfront MIP of 1.5%. At first glance, our thoughts on this provision are:
1. The reduced cash investment (1.5% instead of the current 3%) provides flexibility in helping the borrower to qualify. For example, it would permit the seller to pay closing costs or the homebuyer to pay closing costs through premium pricing. Gifts from acceptable sources will certainly continue to be allowed.
2. If FHA does implement risk-based pricing administratively as they have indicated, the inclusion of the MIP in the 100% LTV calculation would likely require higher down payments from higher risk borrowers. For example, if FHA implemented a 3% upfront premium for a category of borrowers, the maximum LTV would effectively become 97% (100% -3% upfront premiums.
While some would like a lower down payment/cash investment requirement, this provision is probably the best we could hope for in light of current market conditions.
c. No mention of risk-based pricing
We understand there will be no mention of risk-based pricing in the bill. However it will permit a maximum upfront premium of 3% instead of 2.25% as well as an increase in the annual premium.
What is next and when the bill be enacted?
The compromise indicates that a bill is likely. In fact, we would now be shocked if an FHA bill is not passed this year. We would expect the process to be completed and signed by the President in the next 30 days barring some unforeseen circumstance.
That being said, there are several steps to go. First, the House will vote on the legislation on Tuesday. On Wednesday, the Senate Banking Committee will mark-up its bill (highlights above) and then its bill will be sent to the full Senate for action. That should be completed quickly assuming there are no problems at the mark-up.
Probably the most critical step remaining will occur when the FHA bill goes to a conference of House and Senate Committee leaders to reconcile differences in the two bills. Because of the nature of Senate rules (i.e. minority has considerable power), we would expect most controversial provisions to be resolved along the lines of the Senate bill although changes are possible. For example, there will be a House amendment to raise the FHA mortgage limits significantly in high cost areas (as high as $700,000). While it may pass in the House, its odds of inclusion in the final bill are much more questionable at this time. However, market events over the next several weeks could also have a significant impact on this provision and possibly others.
We will, of course, follow this process through the remaining steps that hopefully will end at a bill signing ceremony by the President. While there are still some issues to be resolved, we do believe that it is appropriate to start planning for implementation of major changes to the FHA program including higher mortgage limits and changes to the down payment calculation. By the end of this week, we should have more certainty as to the likely provisions.
2) RISK-BASED PRICING
HUD has indicated that they will be proposing a risk-based price premium structure in a notice early next week. HUD will be soliciting comments before making a final decision. They had wanted to implement this proposal in January 2008. However, based on feedback they are receiving about the time needed to implement such a change, we are hopeful that HUD will delay implementation for at least several more months.
1) FHA LEGISLATION TAKES A MAJOR STEP FORWARD
On late Friday afternoon, Senate Banking Committee members struck a deal on FHA modernization legislation. This is the key step on the road to enactment of the legislation in the next 30 days assuming the deal holds. The Committee is scheduled to mark-up the bill on Wednesday, September 19th. The FHA bill can now move expeditiously through the Senate because of the bi-partisan support. The key provisions are: (We will provide an in-depth analysis of the provisions after the mark-up)
a. Higher mortgage limits
The Senate bill will increase the FHA limits as follows:
FHA floor increases from 48% to 65% of the GSE limit (i.e. from $200,160 to $271,050)
The new floor will likely be effective upon signature by the President.
FHA ceiling will increase to $417,000
This provision will likely not be effective immediately. FHA will need to analyze local markets to determine whether an increase is justified. We do believe that FHA will move to increase limits ASAP.
b. Lower and more flexible down payment
The compromise will require 1.5% borrower cash investment. There will be a cap of 100% loan-to value ratio. However, the upfront MIP will apparently be required to be included in the 100% LTV effectively capping the loan amount at 98.5% assuming an upfront MIP of 1.5%. At first glance, our thoughts on this provision are:
1. The reduced cash investment (1.5% instead of the current 3%) provides flexibility in helping the borrower to qualify. For example, it would permit the seller to pay closing costs or the homebuyer to pay closing costs through premium pricing. Gifts from acceptable sources will certainly continue to be allowed.
2. If FHA does implement risk-based pricing administratively as they have indicated, the inclusion of the MIP in the 100% LTV calculation would likely require higher down payments from higher risk borrowers. For example, if FHA implemented a 3% upfront premium for a category of borrowers, the maximum LTV would effectively become 97% (100% -3% upfront premiums.
While some would like a lower down payment/cash investment requirement, this provision is probably the best we could hope for in light of current market conditions.
c. No mention of risk-based pricing
We understand there will be no mention of risk-based pricing in the bill. However it will permit a maximum upfront premium of 3% instead of 2.25% as well as an increase in the annual premium.
What is next and when the bill be enacted?
The compromise indicates that a bill is likely. In fact, we would now be shocked if an FHA bill is not passed this year. We would expect the process to be completed and signed by the President in the next 30 days barring some unforeseen circumstance.
That being said, there are several steps to go. First, the House will vote on the legislation on Tuesday. On Wednesday, the Senate Banking Committee will mark-up its bill (highlights above) and then its bill will be sent to the full Senate for action. That should be completed quickly assuming there are no problems at the mark-up.
Probably the most critical step remaining will occur when the FHA bill goes to a conference of House and Senate Committee leaders to reconcile differences in the two bills. Because of the nature of Senate rules (i.e. minority has considerable power), we would expect most controversial provisions to be resolved along the lines of the Senate bill although changes are possible. For example, there will be a House amendment to raise the FHA mortgage limits significantly in high cost areas (as high as $700,000). While it may pass in the House, its odds of inclusion in the final bill are much more questionable at this time. However, market events over the next several weeks could also have a significant impact on this provision and possibly others.
We will, of course, follow this process through the remaining steps that hopefully will end at a bill signing ceremony by the President. While there are still some issues to be resolved, we do believe that it is appropriate to start planning for implementation of major changes to the FHA program including higher mortgage limits and changes to the down payment calculation. By the end of this week, we should have more certainty as to the likely provisions.
2) RISK-BASED PRICING
HUD has indicated that they will be proposing a risk-based price premium structure in a notice early next week. HUD will be soliciting comments before making a final decision. They had wanted to implement this proposal in January 2008. However, based on feedback they are receiving about the time needed to implement such a change, we are hopeful that HUD will delay implementation for at least several more months.
Thursday, September 13, 2007
Boulder County Housing Size
Be on notice that Boulder County has proposed a revision to the Land Use Code, if enacted, may substantially reduce the value of your home and land.
The reduction in the value of your property will result from a mandatory square footage reduction in the construction of new residences, or additions to existing residences. The current regulations provide for maximum building sizes of 25,000 sq. ft. The officials of Boulder County propose to substantially reduce residence sizes to no more than 4,500 sq. ft. in the mountains and 6,500 sq. ft. on the plains. Your family will feel its detremental effects at the time of construction or future sale of your residence.
We believe that our forefathers meant it when they said that a citizen may use his or her land in any reasonalbe matter so long as it does not create a nuisance for the neighbors. The proposed policy constitutes the taking of private property by the government, but it claims that such taking is justified because it is not taking too much property from too many people. History demonstrates that the erosion of the rights of citizens by government is successful where it is accomplished piecemeal, and only if citizens do not speak out against the denial of their rights in a timely manner.
The County's proposed policy also allows people who are wealthy to avoid the reduction in the value of their property, but effectively precludes people of moderate means from preventing the reduction in the value of their property.
The Boulder Area Realtors Association, which has expertise and experience in maintaining the values of the realty of citizens, recommends the establishment of an unbiased Blue Ribbon Study Panel and Survey to determine the economic impact the proposed revision to the Land Use Code to your property. The Land Use Coalition (http://www.landusecoaltion.org/) agrees with this sensible approach, and requestes the citizens of Boulder County to speak out against the denial of their rights in a timely manner.
Time is short. Now is the time to act to protect your rights. Notify the Boulder County Commissioners and the Boulder County Planning Commission that you will not tolerate the County enacting the proposed revision that is likely to substantially reduce the value of your home and land.
The Boudler County Planning Commission will meet to consider the proposed revision at 6 pm on September 19th, at the Boulder County Courthouse. For additional information, to to http://www.landusecoalition.org/.
Wednesday, September 05, 2007
Congress Ready to Tackle Mortgage Crisis
With Congress set to reconvene, the mortgage crisis is among lawmakers' top priorities.
Among some of the expected measures to be considered:
> A bill that would lift Fannie Mae and Freddie Mac's portfolio restrictions in an effort to add liquidity to the mortgage market.
> An anti-predatory lending bill that would federally regulate mortgage brokers and make mortgage-backed securities investors partially liable for problem loans. House Financial Services Committee Chairman Barney Frank (D-Mass.) is expected to propose the bill.
> Housing counseling to help curtail foreclosures. Sen. Charles Schumer (D-N.Y.) plans to propose that $100 million be earmarked in an appropriations bill for housing counseling.
> Meanwhile, President Bush has proposed enabling the Federal Housing Administration to back refinances of adjustable-rate mortgages in default or close to default.
> Kurt Pfotenhauer, Mortgage Bankers Association senior vice president of government affairs, says the trade group is in favor of uniform national lending standards. While he has no comment on the legislation to be introduced by Frank on anti-predatory lending, he does not think investors should be held liable for problem loans. Pfotenhauer also expresses concerns about an overreaction on the part of federal lawmakers, noting that "if we go too far in passing rules to protect people in the mortgage market, we could end up denying them access to credit."
Source: Daily Real Estate News
Among some of the expected measures to be considered:
> A bill that would lift Fannie Mae and Freddie Mac's portfolio restrictions in an effort to add liquidity to the mortgage market.
> An anti-predatory lending bill that would federally regulate mortgage brokers and make mortgage-backed securities investors partially liable for problem loans. House Financial Services Committee Chairman Barney Frank (D-Mass.) is expected to propose the bill.
> Housing counseling to help curtail foreclosures. Sen. Charles Schumer (D-N.Y.) plans to propose that $100 million be earmarked in an appropriations bill for housing counseling.
> Meanwhile, President Bush has proposed enabling the Federal Housing Administration to back refinances of adjustable-rate mortgages in default or close to default.
> Kurt Pfotenhauer, Mortgage Bankers Association senior vice president of government affairs, says the trade group is in favor of uniform national lending standards. While he has no comment on the legislation to be introduced by Frank on anti-predatory lending, he does not think investors should be held liable for problem loans. Pfotenhauer also expresses concerns about an overreaction on the part of federal lawmakers, noting that "if we go too far in passing rules to protect people in the mortgage market, we could end up denying them access to credit."
Source: Daily Real Estate News
Wednesday, August 29, 2007
What's In Your IRA?
Many people know that housing is a good long-term investment, but how many consumers have integrated real estate into their retirement strategy?
These days, people can use pensions, 401k accounts, and IRA's to invest in real estate as part of a retirement plan. Self directed IRA's in particular allow investors the flexibility to invest in real estate As an added benefit, if investing through a Roth IRA, capital gains on the property are generally tax-free because contributions have already been taxed.
When considering whether to invest in real estate through an IRA, consumers should consult an expert, since the transaction can be complex, and mistakes can be costly. Intrepid investors,though, can benefit from adding real estate to their retirement portfolio.
The current buyer's market is a great time to invest!
These days, people can use pensions, 401k accounts, and IRA's to invest in real estate as part of a retirement plan. Self directed IRA's in particular allow investors the flexibility to invest in real estate As an added benefit, if investing through a Roth IRA, capital gains on the property are generally tax-free because contributions have already been taxed.
When considering whether to invest in real estate through an IRA, consumers should consult an expert, since the transaction can be complex, and mistakes can be costly. Intrepid investors,though, can benefit from adding real estate to their retirement portfolio.
The current buyer's market is a great time to invest!
Friday, August 24, 2007
Baby, You Can Drive My Car......
Right Into My Oversized Garage.....
It seems that America's love affair with cars extends to their homes. Despite rising gas prices, the percentage of home buyers who think having a garage with two or more spaces is very important has risen dramatically over the past three years.
According to the 2007 Profile of Buyer's Home Feature Preferences, 57 % of home buyers in 2006 said an oversized garage was very important, compared with only 41% in 2003-2004.
Other features high on buyer's lists included central air conditioning, a walk-in closet in the master bedroom, and a home that is cable/satellite TV-ready.
Source: NAR Home Delivery, Residentail Real Estate Trends
August 2007
It seems that America's love affair with cars extends to their homes. Despite rising gas prices, the percentage of home buyers who think having a garage with two or more spaces is very important has risen dramatically over the past three years.
According to the 2007 Profile of Buyer's Home Feature Preferences, 57 % of home buyers in 2006 said an oversized garage was very important, compared with only 41% in 2003-2004.
Other features high on buyer's lists included central air conditioning, a walk-in closet in the master bedroom, and a home that is cable/satellite TV-ready.
Source: NAR Home Delivery, Residentail Real Estate Trends
August 2007
Tuesday, August 07, 2007
Beautify Your Bathroom
Your bathroom may be the smallest room in your home, but remodeling it can feel like a huge project. Here are some tips from Home and Garden Television to help you get it done:
1. Function First. Like the kitchen, the bathroom is one of the hardest-working rooms in the house. Keep function in mind when planning any remodeling or decorating. Consider adding touches that make the room more user-friendly, such as a seat in the shower or additional lighting.
2. Determine layout. Consult the plumbing layout when you are planning to move bathroom fixtures. Think about your daily routine and plan accordingly, keeping fixtures within logical reach of each other (for example, keep the towel rack near the shower).
3. Choose color and style. Think about what you want from the room. Should is be calming? Elegant? Fun? Choose colors that fit your vision. Have fun with your theme or motif, but always keep in mind the size of the room. Too much will appear cluttered.
4. Accent with fixtures. Your faucet and other plumbing fixtures can add drama and appeal to your bathroom. Today’s products offer a plethora of styles and finishes, such as brushed metal, brass and stainless steel.
5. Lighten up. Bathroom lighting is important. Use task lighting for the sink and mirror so you can see clearly. The entire bathroom, however, doesn’t need to be drenched in glaring light. Use softer lighting elsewhere to enhance the mood. 6. Mix materials. Use fabrics and other soft objects to reduce the harshness of tiles and other hard surfaces. Choose soft and luxurious towels, mats and window treatments.
1. Function First. Like the kitchen, the bathroom is one of the hardest-working rooms in the house. Keep function in mind when planning any remodeling or decorating. Consider adding touches that make the room more user-friendly, such as a seat in the shower or additional lighting.
2. Determine layout. Consult the plumbing layout when you are planning to move bathroom fixtures. Think about your daily routine and plan accordingly, keeping fixtures within logical reach of each other (for example, keep the towel rack near the shower).
3. Choose color and style. Think about what you want from the room. Should is be calming? Elegant? Fun? Choose colors that fit your vision. Have fun with your theme or motif, but always keep in mind the size of the room. Too much will appear cluttered.
4. Accent with fixtures. Your faucet and other plumbing fixtures can add drama and appeal to your bathroom. Today’s products offer a plethora of styles and finishes, such as brushed metal, brass and stainless steel.
5. Lighten up. Bathroom lighting is important. Use task lighting for the sink and mirror so you can see clearly. The entire bathroom, however, doesn’t need to be drenched in glaring light. Use softer lighting elsewhere to enhance the mood. 6. Mix materials. Use fabrics and other soft objects to reduce the harshness of tiles and other hard surfaces. Choose soft and luxurious towels, mats and window treatments.
Friday, August 03, 2007
COUNTER INTELLIGENCE
Granite alternatives…. Concrete, glass and stone are gaining ground as popular materials for countertops. Concrete’s biggest advantage is that it can take any shape, and it’s not as pricey as some other natural stone materials. Because it is cast in molds, it can include subtle texturing and decorative objects such as pieces of metal, fossils or glass. If you are using concrete in the kitchen, consider placing raised strips of metal cast into countertops to support pots and pans near the sink and cooking area.
For those who crave ultra-modern design, another option is glass, which comes in nearly limitless colors, shapes, thicknesses and textures. And because it is nonporous, it is stain-proof and hygienic and can handle hot pots without cracking. Since it’s translucent, it can be combined with other design elements, such as glass over aluminum or decorative tile embedded into the slab. Installing lighting under the counter creates added drama and elegance.
Finally, consider engineered stone, which is slightly cheaper than granite. It’s made from quartz crystals and polymer resin, so it’s nearly maintenance-free. Plus, it’s heat- and cold-resistant, mildew-free, stain-resistant and harder than most things you put on it, so it won’t scratch. Finally, it comes in dozens of colors — some mimic the real thing while others are made to match a designer’s palette. The cost ranges from $70 to $120 per square foot with installation.
For those who crave ultra-modern design, another option is glass, which comes in nearly limitless colors, shapes, thicknesses and textures. And because it is nonporous, it is stain-proof and hygienic and can handle hot pots without cracking. Since it’s translucent, it can be combined with other design elements, such as glass over aluminum or decorative tile embedded into the slab. Installing lighting under the counter creates added drama and elegance.
Finally, consider engineered stone, which is slightly cheaper than granite. It’s made from quartz crystals and polymer resin, so it’s nearly maintenance-free. Plus, it’s heat- and cold-resistant, mildew-free, stain-resistant and harder than most things you put on it, so it won’t scratch. Finally, it comes in dozens of colors — some mimic the real thing while others are made to match a designer’s palette. The cost ranges from $70 to $120 per square foot with installation.
Wednesday, July 25, 2007
Outdoor Furniture Fixes
As the days get longer and the weather heats up, you’ll want to take advantage of the season by entertaining outside as much as possible. Tables and chairs that have been exposed to the elements all winter will probably need a good cleaning and perhaps a few repairs. Here’s advice for maintaining different types of outdoor furniture.
Good wood. Wood furniture should be kept under waterproof covers when not in use. To keep it in good shape, start off the season with a sealant such as teak oil for hardwood. If possible, don’t stand wood legs directly on grass because the moisture from the ground can rot untreated wood. For ongoing maintenance, wipe down tables and chairs every two weeks or so with a cloth that’s been wrung out from a solution of soapy wood cleaner.
Plastic fantastic. For resin furniture, guard against fading and brittleness from excessive heat and abrasive cleaners by washing with a mild all-purpose cleaner. When white plastic ages, it can yellow. If your furniture gets to this stage, you can use a mildly abrasive cleaner, which helps prevent black grime from getting embedded in the rough edges of the plastic. Soaking such a stain in a strong bleach solution — 2 1/2 tablespoons bleach to one gallon of water — also helps whiten it, but you may not get uniform results. If you can, position the chair so the bleach solution covers an even area. Rinse the solution off after 30 minutes.
Heavy metal. Metal furniture generally has a protective finish, so all you need to do is wash it with a cloth dipped in soapy water. However, if the coating has started to wear away, you can paint it again with a clear metal varnish. Most cast- or wrought-iron outdoor furniture will already have a clear varnish, but it can wear over time. To repair it, sand the damaged areas carefully before reapplying paint or varnish. Then, throughout the season, wipe down with a soapy cloth and dry very thoroughly.
Good wood. Wood furniture should be kept under waterproof covers when not in use. To keep it in good shape, start off the season with a sealant such as teak oil for hardwood. If possible, don’t stand wood legs directly on grass because the moisture from the ground can rot untreated wood. For ongoing maintenance, wipe down tables and chairs every two weeks or so with a cloth that’s been wrung out from a solution of soapy wood cleaner.
Plastic fantastic. For resin furniture, guard against fading and brittleness from excessive heat and abrasive cleaners by washing with a mild all-purpose cleaner. When white plastic ages, it can yellow. If your furniture gets to this stage, you can use a mildly abrasive cleaner, which helps prevent black grime from getting embedded in the rough edges of the plastic. Soaking such a stain in a strong bleach solution — 2 1/2 tablespoons bleach to one gallon of water — also helps whiten it, but you may not get uniform results. If you can, position the chair so the bleach solution covers an even area. Rinse the solution off after 30 minutes.
Heavy metal. Metal furniture generally has a protective finish, so all you need to do is wash it with a cloth dipped in soapy water. However, if the coating has started to wear away, you can paint it again with a clear metal varnish. Most cast- or wrought-iron outdoor furniture will already have a clear varnish, but it can wear over time. To repair it, sand the damaged areas carefully before reapplying paint or varnish. Then, throughout the season, wipe down with a soapy cloth and dry very thoroughly.
Wednesday, July 18, 2007
Chill Out
Want to keep your electric bills from going through the roof this summer? Here are a few environmentally friendly steps you can take to keep things cool.
· Open windows and use portable or ceiling fans instead of operating your air conditioner. Even mild air movement can make you feel three or four degrees cooler.
· Without blocking air flow, shade your outside compressor. Change air filters monthly during the summer.Use a programmable thermostat with your air conditioner to adjust the setting at night or when no one is home.
· Don’t place lamps or TVs near your air conditioning thermostat. The heat from these appliances will cause the air conditioner to run longer.
· Install white window shades, drapes or blinds to reflect heat away from the house. Close curtains on south- and west-facing windows during the day.
· Caulking and weather stripping will keep cool air in during the summer.
· Turn off your computer and monitor when not in use.
· Open windows and use portable or ceiling fans instead of operating your air conditioner. Even mild air movement can make you feel three or four degrees cooler.
· Without blocking air flow, shade your outside compressor. Change air filters monthly during the summer.Use a programmable thermostat with your air conditioner to adjust the setting at night or when no one is home.
· Don’t place lamps or TVs near your air conditioning thermostat. The heat from these appliances will cause the air conditioner to run longer.
· Install white window shades, drapes or blinds to reflect heat away from the house. Close curtains on south- and west-facing windows during the day.
· Caulking and weather stripping will keep cool air in during the summer.
· Turn off your computer and monitor when not in use.
Tuesday, July 10, 2007
The Nose Knows
Can the way your home smells have an impact on how it sells?
You bet!
A poll by Canadian real estate company Royal LePage shows that the odor of a home has a huge impact on buyers’ decisions about whether to buy a home. According to the poll, 53 percent of buyers said strong odors such as pet and cigarette smells had a stronger impact on their impression of a home than overall tidiness and cleanliness, strong wall colors or an outdated facade and landscaping.
Here are some tips for making sure your home has good scents:
· Don’t mask smells with candles or potpourri. Buyers will wonder what odor you are trying to hide.
· Keep the exotic spices and fish to a minimum when cooking the night before a showing. Work toward achieving a “clean” smell.
· Remove animals and litter boxes from the property.
Getting rid of repellent scents is the first step, but some staging experts also advise using “homey” smells to entice buyers. After all, who doesn’t love the aroma of freshly baked cookies or pie?
You bet!
A poll by Canadian real estate company Royal LePage shows that the odor of a home has a huge impact on buyers’ decisions about whether to buy a home. According to the poll, 53 percent of buyers said strong odors such as pet and cigarette smells had a stronger impact on their impression of a home than overall tidiness and cleanliness, strong wall colors or an outdated facade and landscaping.
Here are some tips for making sure your home has good scents:
· Don’t mask smells with candles or potpourri. Buyers will wonder what odor you are trying to hide.
· Keep the exotic spices and fish to a minimum when cooking the night before a showing. Work toward achieving a “clean” smell.
· Remove animals and litter boxes from the property.
Getting rid of repellent scents is the first step, but some staging experts also advise using “homey” smells to entice buyers. After all, who doesn’t love the aroma of freshly baked cookies or pie?
Tuesday, July 03, 2007
Is Your Home Baby Ready?
More than 2.5 million children are injured or killed each year in household accidents, according to the National Safety Commission (NSC). Fortunately, there are many things you can do at home to keep your child safe — just taking a moment to view your home from a child’s perspective will help you identify many potential hazards.
Suffocation is the most common type of accident in the home for children under four years old and the most common cause of accidental death in children under one. To prevent these accidents, make sure that all pull cords are secured and out of reach of children. Also remember to put all small objects – coins, rings, batteries, etc. – out of children’s reach. And in your child’s bedroom, crib bars should be no more than two-and-three-eighths-inches apart. The Consumer Product Safety Commission has a list of approved cribs on its Web site, www.cpsc.gov.
Another hazard in your home is hot water, which can burn or scald young skin. An easy fix is to set your hot water thermostat to no more than 120 degrees. If you are unable to control your water heater, anti-scald devices for faucets and shower heads can help regulate water temperature. To prevent electrocution, cover all outlets with outlets covers, which can be purchased at any hardware store. Be sure that they cannot be removed easily and are not small enough to be a choking hazard.
To find information on other child safety products and related information, visit www.cpsc.gov and www.nsc.org/library/facts/babyprf.htm.
Suffocation is the most common type of accident in the home for children under four years old and the most common cause of accidental death in children under one. To prevent these accidents, make sure that all pull cords are secured and out of reach of children. Also remember to put all small objects – coins, rings, batteries, etc. – out of children’s reach. And in your child’s bedroom, crib bars should be no more than two-and-three-eighths-inches apart. The Consumer Product Safety Commission has a list of approved cribs on its Web site, www.cpsc.gov.
Another hazard in your home is hot water, which can burn or scald young skin. An easy fix is to set your hot water thermostat to no more than 120 degrees. If you are unable to control your water heater, anti-scald devices for faucets and shower heads can help regulate water temperature. To prevent electrocution, cover all outlets with outlets covers, which can be purchased at any hardware store. Be sure that they cannot be removed easily and are not small enough to be a choking hazard.
To find information on other child safety products and related information, visit www.cpsc.gov and www.nsc.org/library/facts/babyprf.htm.
Thursday, June 28, 2007
GET SOME SPACE!
Small spaces can be warm and intimate. But if a room in your home feels more cramped than cozy, there may be a simple way to improve it.
Odette Lueck, of Odette Lueck Interiors in Oakland, Md., says the best way to stretch the size of a room is to start from the ground up. “The thing I use most is diagonal lines on the floor,” says Lueck, who suggests installing wood flooring or tiles in a diagonal line. “No matter which way you look, it’s expanding the border.”
If you’re not ready for a major project, you’d be amazed at what you can accomplish with just a few decorating tricks. First and foremost is color. To make your room appear larger, stick with neutrals and keep backgrounds (wall, furniture, draperies) the same color, says Lueck. But neutral doesn’t have to be boring. “Use your color in accessories,” says Lueck. But beware of patterns. Too many patterns can make a space seem cluttered.
Furniture placement is also important. The number of pieces should be kept to minimum and positioned against a wall. “Use glass coffee tables,” suggests Lueck. “It’s one less thing to be a solid focus in the a room.” Don’t be afraid to use a little creativity. For example, a stack of coffee table books next to chair can serve as a unique end table.
Another option is to embrace the room’s petite size. “More often than not clients
make the mistake of thinking that room always has to be larger,” says Lueck. “Small is
not necessarily bad. A lot of times, what you’re actually striving for is a more
intimate space.” To warm up a small room, include dark colors, lots of wood and plenty of cozy
fabrics.
Odette Lueck, of Odette Lueck Interiors in Oakland, Md., says the best way to stretch the size of a room is to start from the ground up. “The thing I use most is diagonal lines on the floor,” says Lueck, who suggests installing wood flooring or tiles in a diagonal line. “No matter which way you look, it’s expanding the border.”
If you’re not ready for a major project, you’d be amazed at what you can accomplish with just a few decorating tricks. First and foremost is color. To make your room appear larger, stick with neutrals and keep backgrounds (wall, furniture, draperies) the same color, says Lueck. But neutral doesn’t have to be boring. “Use your color in accessories,” says Lueck. But beware of patterns. Too many patterns can make a space seem cluttered.
Furniture placement is also important. The number of pieces should be kept to minimum and positioned against a wall. “Use glass coffee tables,” suggests Lueck. “It’s one less thing to be a solid focus in the a room.” Don’t be afraid to use a little creativity. For example, a stack of coffee table books next to chair can serve as a unique end table.
Another option is to embrace the room’s petite size. “More often than not clients
make the mistake of thinking that room always has to be larger,” says Lueck. “Small is
not necessarily bad. A lot of times, what you’re actually striving for is a more
intimate space.” To warm up a small room, include dark colors, lots of wood and plenty of cozy
fabrics.
Friday, June 22, 2007
The Call Of the Outdoors
If you think outdoor living simply requires a few folding chairs and a hibachi on your
back porch, think again. According to the Hearth, Patio and Barbecue
Association (HPBA), homeowners can set up
a basic outdoor living space consisting of a durable, high-performance grill, a dining area with table and chairs, lighting, a patio umbrella and a portable heater or fireplace for as little as $2,500. For larger spaces and budgets, high-end landscaping, an in-ground swimming pool and a kitchen island with appliances create an ideal place to entertain family and friends.
To get you started on building your ideal outdoor room, here are a few tips:
* Decide how you will use the space. Will you entertain family and friends, or use it as a relaxing hideaway for yourself?
* Create a wish list of features you want your outdoor room to have. Clip photos from magazines or keep a notebook of ideas.
* Consider your home’s architectural style, so your outdoor room design complements your indoor space.
* Work with a specialty retailer who can suggest products and guide you on your final plan.
* Sketch a layout of your outdoor room with the fireplace as the focal point. Then blend in the cooking and eating areas.
* Consider the foundation, such as retaining walls, fences and decks.
* For large-scale projects, implement your plan over a two- or three-year period, beginning with electrical and plumbing. Accessorize the space during the second year, and add landscaping last.
Once your outdoor room is complete, you won’t want to spend time anywhere else.
Wednesday, June 13, 2007
COLO. 7 UPGRADES AND REROUTING UNDER REVIEW
Eight municipalities in Adams, Weld and Boulder Counties and now working with the Colorado Department of Transportation (CDOT) to consider significant expansion and rerouting of Colorado 7 to accommodate future development and transportation planning. Under review is the section of highway stretching east from Lafayette, bordering Broomfield, Erie and Dacono, and that runs through sections of Brighton. The municipalities and CDOT are cooperating to raise the $700,000 needed to complete the planning. The goal is to determine where additional lanes, realignments, traffic signals and intersection improvements are needed. CDOT will add $350,000 to the funding. Brighton officials are very interested in rerouting around its downtown and to mitigate high volume, high speed traffic. Locally, Lafayette and Erie are cooperating to reroute the highway north along 119th Street to Arapahoe, mitigating the nearly 20,000 vehicles that pass through Lafayette daily. Once funded, the study will commence in January 2008.
Source: BARA/In Region
Source: BARA/In Region
Wednesday, June 06, 2007
Local Real Estate 1st Quarter Report
Local Real Estate Report
1st Quarter 2007
Housing market stats for the 1st quarter of 2007 have been tabulated and show some pros and cons over the 4th quarter of 2006 as follows:
Q4 ’06 Q1 ’07 Q2 Forecast
Average Price $456,100 $469,000 ↑
# Homes on the Market 1,821 2,180 ↓
# Homes Sold 782 659 ↑
# New Homes Built 51 47 ↑
Avg # of Days on Market 107 124 ↓
In the Boulder area marketplace, we are continuing to see homes being sold at a higher than average pace and price range than that of the rest of the nation. The market is correcting itself however with some price moderation; the percentage of asking price vs. sold price remains at a respectable mid 90’s percentage range in Boulder County. Combined with historically low mortgage rates, home sales should continue at a steady pace – people still need homes!
The region added 5,900 jobs in the past 12 months. More jobs could also be added based on the weakness in the dollar, which helps the U.S. exporting companies. The forecast, as reported by Lawrence Yun, NAR Senior Research Forecaster: “Best guess is for home sales to show a year-over-year growth by the 4th quarter. The momentum will strengthen in 2008. Prices will also show a respectable rise in 2008. The market just needs to pass through the subprime loan implosion in 2007.”
Source: Information and Real Estate Services, LLC
1st Quarter 2007
Housing market stats for the 1st quarter of 2007 have been tabulated and show some pros and cons over the 4th quarter of 2006 as follows:
Q4 ’06 Q1 ’07 Q2 Forecast
Average Price $456,100 $469,000 ↑
# Homes on the Market 1,821 2,180 ↓
# Homes Sold 782 659 ↑
# New Homes Built 51 47 ↑
Avg # of Days on Market 107 124 ↓
In the Boulder area marketplace, we are continuing to see homes being sold at a higher than average pace and price range than that of the rest of the nation. The market is correcting itself however with some price moderation; the percentage of asking price vs. sold price remains at a respectable mid 90’s percentage range in Boulder County. Combined with historically low mortgage rates, home sales should continue at a steady pace – people still need homes!
The region added 5,900 jobs in the past 12 months. More jobs could also be added based on the weakness in the dollar, which helps the U.S. exporting companies. The forecast, as reported by Lawrence Yun, NAR Senior Research Forecaster: “Best guess is for home sales to show a year-over-year growth by the 4th quarter. The momentum will strengthen in 2008. Prices will also show a respectable rise in 2008. The market just needs to pass through the subprime loan implosion in 2007.”
Source: Information and Real Estate Services, LLC
Friday, May 18, 2007
REAL ESTATE - A LOCAL MARKET
First quarter statistics for the Boulder area real estate market are encouraging:
- The average price of homes in UP!
- Mortgage rates remain low!
According to NAR, the forecast for the second quarter indicates that the average price per home will continue to rise; the number of homes on the market will decline; the number of homes sold will rise; the number of new homes built will rise; and, the average days on the market will decline.
Wednesday, May 09, 2007
Integrity!
In today's dog-eat-dog world, the word "integrity" has become more of a concept than an actual character trait. Watch an old Jimmy Stewart movie sometime, you'll learn about old-fashioned integrity. Remember George Bailey in "It's a Wonderful Life?" He always did the thing he knew in his heart was right.
I wouldn't say that I'm anything like George Bailey, but I will say that in the business of real estate, integrity is my greatest asset, one that I protect with every decision, increase with every satisfied customer, and ensure with every positive action.
You deserve the absolute highest level of integrity in every transaction. And that's my pledge to you, and your friends or others that you might refer to me.
If there is any way that I can help you or an associate, please call at your convenience.
I wouldn't say that I'm anything like George Bailey, but I will say that in the business of real estate, integrity is my greatest asset, one that I protect with every decision, increase with every satisfied customer, and ensure with every positive action.
You deserve the absolute highest level of integrity in every transaction. And that's my pledge to you, and your friends or others that you might refer to me.
If there is any way that I can help you or an associate, please call at your convenience.
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