It appears that Boulder's County Commissioners are set on taking peoples private property rights through the TDR Program. I feel sorry for those people who have not added on to their homes yet or who have vacant land properties!
Boulder County's house-size battle nears an end
Opponents worry their voices will be ignored
By Laura Snider (Contact)Tuesday, March 4, 2008
If you go
What: County commissioners review the "expanded transfer of development rights," or TDR, program. The measures seek to offset the effects of large house sizes in unincorporated Boulder County.
When: At 4 p.m. today, the commissioners will have a study session to review the proposals. The meeting is open to the public, but no public testimony will be taken.
At 5:30 p.m. Thursday, the commissioners will listen to public testimony on the program.
At 5 p.m. Monday, the commissioners will have another study session when they will likely give direction to the staff on what the final program will look like.
Where: All meetings will be on the third floor of the Boulder County Courthouse, 1325 Pearl St.
For more information: Visit www.bouldercounty.org/lu or call Michelle Krezek at 720-564-2623.
Katrina Peterson doesn't think Boulder County should limit house sizes. She's said it at public meetings, she's written it in letters and she's called the land use department to express her concerns.
And even with a landslide of public opinion on her side -- or at least the vast majority of people who show up at public meetings on her side -- she's worried her voice isn't being heard.
Starting today, the county commissioners will hold three public meetings to discuss the county's controversial proposal to limit house sizes in unincorporated Boulder County. On Monday, it's likely the commissioners will decide on the final form of the regulations.
"I won't be surprised if they put it in place," said Peterson, who owns a house in the mountains and worries her property value will be damaged by the program. "It'll be pretty discouraging."
For many county residents doggedly following the house-size debate, the issue has laid bare a much more basic question than whether house sizes should be restricted. It has people pondering how elected officials should go about determining what their constituents really want.
"It's pretty hard to understand when (Commissioner Will Toor) says there's a lot of people out there who support it -- how do they know? How do they know when they don't show up?" Peterson said. "The staff and the county commissioners say there is a silent majority out there, and we're going to interpret that to mean they're OK with it."
More than 100 people wrote letters or e-mails to the land use department opposing at least some part of the program, compared with fewer than 40 supporting it.
And the county's Planning Commission, which is charged with advising the county commissioners on land-use issues, announced last month that it doesn't recommend house-size limits in the form of the "transfer of development rights" program, which would allow developers to build houses above set limits if they buy extra development rights.
Even so, there is evidence that county residents do support some form of house-size limits, and Toor says it's his responsibility to make a decision that's best for the entire community — now and in the future.
Toor points to a 2006 survey of Boulder County registered voters in which people were asked "whether respondents agree or disagree that if a house would be larger than, say, 4,000 or 5,000 square feet the county should require mitigation to the land such as buying open land and leaving it open ..." Seventy-three percent of people agreed.
"Having spent years in public office on the City Council and now on the county commission, I've learned the people who show up to testify on particular issues are not a representative sample of the population at large," Toor said. "We need to listen and understand those concerns, but I think there is a much broader public interest out there."
Contact Camera Staff Writer Laura Snider at 303-473-1327 or sniderl@dailycamera.com.
THE NUTS AND BOLTS OF HOUSE-SIZE LIMITS
The proposal that the county commissioners will review in the next week can be broken down into three pieces:
Expanded transfer of development rights
This is the part of the program that would set thresholds for house sizes. Most recently, the Planning Commission decided not to recommend such a program. However, the county commissioners still have the power to pass the program.
The last numbers used by the Planning Commission set a limit of 5,500 square feet for houses built in the plains and 3,500 square feet for houses built in the mountains. If a developer wants to build a larger house, he or she would need to buy extra development rights from owners of land that has not been developed or smaller houses that have not used all the square footage allowed.
Site-plan review
Now, anyone who wants to build a house in unincorporated Boulder County must go through a stringent site-plan review process to determine if the planned house would be in "harmony" with its neighborhood. The proposed amendments to the review would clarify what defines a neighborhood and create a clearer rule of thumb for what size house can expect to clear the review.
The Planning Commission recommended that the default "neighborhood" be set to 1,500 feet in all directions and the default house size be set to 125 percent of the median size of homes in that neighborhood. The definition of neighborhood or the size allowed could change with negotiation.
Special character areas
This designation would exempt unincorporated communities from the program, including Eldora, Eldorado Springs, Hygiene, Gold Hill, Allenspark, Raymond and Riverside. The program would also create a Peak-to-Peak scenic corridor. In all these designated areas, residents would work with the land use department to create codes that fit their individual communities and that would preserve the unique character of the area.
Wednesday, March 05, 2008
Adverse Possession in Colorado
Adverse possession bill set for Senate committee
By Heath Urie (Contact)Originally published 03:43 p.m., March 4, 2008Updated 08:00 p.m., March 4, 2008
A bill that seeks to change a controversial land law that has locked two Boulder couples in a bitter legal dispute for years is set to be heard next week by the Colorado Senate.
House Bill 1148, which would overhaul the law of adverse possession, is scheduled to be heard by the Senate Judiciary Committee at 1:30 p.m. March 12. The hearing, originally set for March 5, has been delayed.
The state law now allows trespassers to claim land after using it openly and continuously for at least 18 years.
The law caught the attention of several lawmakers last fall after a Boulder District Court judge awarded a portion of one of Don and Susie Kirlin’s vacant lots on Hardscrabble Drive to neighbors Dick McLean and Edith Stevens.
McLean, a former district court judge and Boulder mayor, and Stevens, an attorney and Democratic activist, sued the Kirlins using the law of adverse possession.
The bill, which would add a “good faith” provision and other requirements to the longtime legal doctrine, gained initial approval last month by a House vote of 63-1.
If approved Wednesday, the bill will move to the full Senate for consideration and would require final approval by Gov. Bill Ritter.
Adverse possession bill set for Senate committee
By Heath Urie (Contact)Originally published 03:43 p.m., March 4, 2008Updated 08:00 p.m., March 4, 2008
VIDEO: Nov. 18 protest picnic in support of the Kirlins. WATCH »
VIDEO: Take a look at Don and Susie Kirlin's land and hear them speak about the case. WATCH »
MAP: Satellite image Google map of Hardscrabble Drive.
AUDIO: Listen to NPR's report on the case.
AUDIO: Local singer Don Wrege composed several songs about the land dispute.
1. Stealing Land From Our Neighbor
2. This Land Belongs to Don & Susie
3. Edie & Dick (The Grinch Theme)
By Heath Urie (Contact)Originally published 03:43 p.m., March 4, 2008Updated 08:00 p.m., March 4, 2008
A bill that seeks to change a controversial land law that has locked two Boulder couples in a bitter legal dispute for years is set to be heard next week by the Colorado Senate.
House Bill 1148, which would overhaul the law of adverse possession, is scheduled to be heard by the Senate Judiciary Committee at 1:30 p.m. March 12. The hearing, originally set for March 5, has been delayed.
The state law now allows trespassers to claim land after using it openly and continuously for at least 18 years.
The law caught the attention of several lawmakers last fall after a Boulder District Court judge awarded a portion of one of Don and Susie Kirlin’s vacant lots on Hardscrabble Drive to neighbors Dick McLean and Edith Stevens.
McLean, a former district court judge and Boulder mayor, and Stevens, an attorney and Democratic activist, sued the Kirlins using the law of adverse possession.
The bill, which would add a “good faith” provision and other requirements to the longtime legal doctrine, gained initial approval last month by a House vote of 63-1.
If approved Wednesday, the bill will move to the full Senate for consideration and would require final approval by Gov. Bill Ritter.
Adverse possession bill set for Senate committee
By Heath Urie (Contact)Originally published 03:43 p.m., March 4, 2008Updated 08:00 p.m., March 4, 2008
VIDEO: Nov. 18 protest picnic in support of the Kirlins. WATCH »
VIDEO: Take a look at Don and Susie Kirlin's land and hear them speak about the case. WATCH »
MAP: Satellite image Google map of Hardscrabble Drive.
AUDIO: Listen to NPR's report on the case.
AUDIO: Local singer Don Wrege composed several songs about the land dispute.
1. Stealing Land From Our Neighbor
2. This Land Belongs to Don & Susie
3. Edie & Dick (The Grinch Theme)
Thursday, February 28, 2008
TDR- Transferable Development Rights Regulation
Please make your voice heard as this could greatly affect your private property values. The question is where will the regulations stop if this type of regulations is allowed.
NEWS RELEASE: Public meetings scheduled to consider final proposals for an expanded TDR program
Date: Thu, 28 Feb 2008 13:25:02 -0700
From: Halpin, Barbara bhalpin@bouldercounty.org
To: BCPRESSRELEASE@bouldercounty.org FOR IMMEDIATE RELEASE:
February 28, 2008
Contact: Michelle Krezek, Boulder County Land Use, 720-564-2623 or Barb Halpin, Public Information Officer, 303-441-1622
*Public meetings scheduled to consider final proposals for an expanded TDR program* *
Board of County Commissioners to consider recent Planning Commission recommendations and to take public testimony on a Transfer of Development Rights/Structure-Size Program for unincorporated Boulder County /**//* (Boulder County, Colo.) -
The County Commissioners have scheduled a series of meetings in March to consider recent Planning Commission recommendations and to take public testimony on an expanded Transfer of Development Rights (TDR) program for Boulder County. On February 20, the Planning Commission made final recommendations on the proposed TDR program, including amendments to the Site Plan Review standards and the designation of Special Character Areas and Scenic Corridor Areas. The Board of County Commissioners will be considering the Planning Commission's recommendations, taking public input and providing direction to county staff for drafting final program amendments at the following public meetings:
*Date: *Tues., March 4, 2008 *Time: *4:00 p.m. *What:* * *Board of County Commissioners *Study Session* on the Expanded TDR program *Description:* Boulder County Land Use staff will review the Planning Commission's recommendations with the Board of County Commissioners. No public testimony will be taken, but the public is invited to attend.
*Date: *Tues., March 6, 2008 *Time: *5:30 p.m. *What:* Board of County Commissioners *Public Hearing* on the Expanded TDR program *Description:* The Board of County Commissioners will take public testimony on the proposed expanded TDR program. The public is invited to attend and provide comment.
*Date:* * *Mon., March 10, 2008 *Time:* * *5:00 p.m. *What: *Board of County Commissioners *Study Session* on the Expanded TDR Program. *Description: *This study session will be for the Board of County Commissioners to give Boulder County Land Use staff direction on amendments to the proposed TDR program. No public testimony will be taken, but the public is invited to attend. Note: All meetings will be held in the 3rd Floor Hearing Room, Boulder County Courthouse, 1325 Pearl Street, Boulder. A *set of materials* <http://www.co.boulder.co.us/lu/code_updates/expanded_tdr/index.htm%3E for discussion at the upcoming meetings is available on the County's Land Use Web site at: *www.bouldercounty.org/lu <http://www.bouldercounty.org/lu%3E*. For more information, contact Michelle Krezek at 720-564-2623. * * -###- *Barb Halpin x 1622 **Public Information Officer *Boulder County Board of County Commissioners 303-441-1622 - Office 303-441-4525 - Fax
NEWS RELEASE: Public meetings scheduled to consider final proposals for an expanded TDR program
Date: Thu, 28 Feb 2008 13:25:02 -0700
From: Halpin, Barbara bhalpin@bouldercounty.org
To: BCPRESSRELEASE@bouldercounty.org FOR IMMEDIATE RELEASE:
February 28, 2008
Contact: Michelle Krezek, Boulder County Land Use, 720-564-2623 or Barb Halpin, Public Information Officer, 303-441-1622
*Public meetings scheduled to consider final proposals for an expanded TDR program* *
Board of County Commissioners to consider recent Planning Commission recommendations and to take public testimony on a Transfer of Development Rights/Structure-Size Program for unincorporated Boulder County /**//* (Boulder County, Colo.) -
The County Commissioners have scheduled a series of meetings in March to consider recent Planning Commission recommendations and to take public testimony on an expanded Transfer of Development Rights (TDR) program for Boulder County. On February 20, the Planning Commission made final recommendations on the proposed TDR program, including amendments to the Site Plan Review standards and the designation of Special Character Areas and Scenic Corridor Areas. The Board of County Commissioners will be considering the Planning Commission's recommendations, taking public input and providing direction to county staff for drafting final program amendments at the following public meetings:
*Date: *Tues., March 4, 2008 *Time: *4:00 p.m. *What:* * *Board of County Commissioners *Study Session* on the Expanded TDR program *Description:* Boulder County Land Use staff will review the Planning Commission's recommendations with the Board of County Commissioners. No public testimony will be taken, but the public is invited to attend.
*Date: *Tues., March 6, 2008 *Time: *5:30 p.m. *What:* Board of County Commissioners *Public Hearing* on the Expanded TDR program *Description:* The Board of County Commissioners will take public testimony on the proposed expanded TDR program. The public is invited to attend and provide comment.
*Date:* * *Mon., March 10, 2008 *Time:* * *5:00 p.m. *What: *Board of County Commissioners *Study Session* on the Expanded TDR Program. *Description: *This study session will be for the Board of County Commissioners to give Boulder County Land Use staff direction on amendments to the proposed TDR program. No public testimony will be taken, but the public is invited to attend. Note: All meetings will be held in the 3rd Floor Hearing Room, Boulder County Courthouse, 1325 Pearl Street, Boulder. A *set of materials* <http://www.co.boulder.co.us/lu/code_updates/expanded_tdr/index.htm%3E for discussion at the upcoming meetings is available on the County's Land Use Web site at: *www.bouldercounty.org/lu <http://www.bouldercounty.org/lu%3E*. For more information, contact Michelle Krezek at 720-564-2623. * * -###- *Barb Halpin x 1622 **Public Information Officer *Boulder County Board of County Commissioners 303-441-1622 - Office 303-441-4525 - Fax
Tuesday, February 26, 2008
1360 Walnut #303 Boulder One Plaza
Boulder One Plaza Loft!! Exclusive and very rare Landmark Development! With views of the Foothills & Downtown Boulder from the panoramic ceiling to floor store front windows, exposed brick, bamboo floors, stainless appliances, balcony. Contemporary yet elegant finish work in this true industrial-style loft with open 12.5 ft ceilings and exposed ductwork, designer lighting, Zodiac counters, stainless sinks and seamless entry shower stalls! 
Incredible downtown location! Corner of 14th & Walnut.! Includes an elevator & concierge service that will help you with personal things such as picking up your dry cleaning, walking your dog and alerting you to social events or special discounts with local venues! Walk to work, workout, get dressed, get dinner then listen to live bands w/o getting into your car!!! It's a lifestyle!! Eco-friendly! Visit my Boulder real estate website
Incredible downtown location! Corner of 14th & Walnut.! Includes an elevator & concierge service that will help you with personal things such as picking up your dry cleaning, walking your dog and alerting you to social events or special discounts with local venues! Walk to work, workout, get dressed, get dinner then listen to live bands w/o getting into your car!!! It's a lifestyle!! Eco-friendly! Visit my Boulder real estate website
Monday, December 17, 2007
5 SIMPLE ENERGY-EFFICIENT TIPS TO GET YOU THROUGH THE CHILLY HOLIDAYS
1. Save gas by bundling your errands! Make a list and plan your trips. Head towards where you need to go and purchase as many products as possible the first time - instead of going back and forth to the store and wasting the gas because you forgot one thing.
2. To maximize holiday energy savings, use timers to limit light displays to the hours you want. These timers are readily available and also save you the hassle of running around at dusk plugging in or turning on lights.
3. Use LED lights, which look the same as traditional incandescent bulbs, last longer, use about 85 percent less energy and stay cool to the touch, which is safer for those families with curious younger children. The lights are fairly inexpensive in the long run - a strand of 60 Philips LED dome string multi-color twinkle lights uses up to 88 percent less energy and lasts up to 20 times longer than standard bulbs.
4. Americans generate millions of additional trash over the holidays that requires additional energy to process. Try to be creative about wrapping presents-use linens or other reusable items instead. If you need wrapping paper, be sure to use recycled. Rather than using new tissue paper to wrap ornaments and things you don't want to break, reuse the bubble wrap and wrapping paper that your family's gifts arrived in.
5. Cut your heating bills and stay warmer by sealing air leaks. Make sure your fireplace damper is closed, or better yet, install an inflatable chimney balloon that seals off leaks. Check to ensure your windows are all sealed tight. Mount storm windows. Weatherstrip doors and the attic access hatch.
2. To maximize holiday energy savings, use timers to limit light displays to the hours you want. These timers are readily available and also save you the hassle of running around at dusk plugging in or turning on lights.
3. Use LED lights, which look the same as traditional incandescent bulbs, last longer, use about 85 percent less energy and stay cool to the touch, which is safer for those families with curious younger children. The lights are fairly inexpensive in the long run - a strand of 60 Philips LED dome string multi-color twinkle lights uses up to 88 percent less energy and lasts up to 20 times longer than standard bulbs.
4. Americans generate millions of additional trash over the holidays that requires additional energy to process. Try to be creative about wrapping presents-use linens or other reusable items instead. If you need wrapping paper, be sure to use recycled. Rather than using new tissue paper to wrap ornaments and things you don't want to break, reuse the bubble wrap and wrapping paper that your family's gifts arrived in.
5. Cut your heating bills and stay warmer by sealing air leaks. Make sure your fireplace damper is closed, or better yet, install an inflatable chimney balloon that seals off leaks. Check to ensure your windows are all sealed tight. Mount storm windows. Weatherstrip doors and the attic access hatch.
Wednesday, December 12, 2007
What is the difference between Built Green® Colorado and ENERGY STAR®?
Built Green Colorado, is a voluntary industry-led program created through the joint efforts of the HBA of Metro Denver, The Governor’s office of Energy Management and Conservation, Xcel Energy, and E-Star Colorado. While Energy Star and Built Green have the same energy efficiency minimum requirement – 15% above IECC 2006 – Built Green is a “green building” program, not just an energy efficiency program. The Built Green Checklist provides builders a flexible approach to building homes that provide greater energy efficiency and comfort, have improved indoor air quality, save water, preserve natural resources, and have improved durability and reduced maintenance needs. Homes are verified for compliance on a random basis by third-party verifiers.
Energy Star is a voluntary government-backed program that focuses on improved energy efficiency. New homes earn the Energy Star designation by meeting energy efficiency guidelines outlined by the U.S. EPA. The guidelines are set to exceed the IECC 2006 by 15%. Energy Star’s primary focus is on energy efficiency. Homes must be verified for compliance by third-party verifiers.
Energy Star and Built Green are compatible programs; participation in one does not exclude participation in the other. A builder can fulfill the 2007 Built Green Checklist Energy Requirement by meeting the requirements of Energy Star, and then make selections from the Checklist to address the additional components relative to IAQ, water and resource conservation, durability and reduced maintenance. Both Built Green and Energy Star use the same third-party verifiers to conduct inspections, including an insulation inspection, and blower door and duct pressurization tests. Built Green home inspections also include documentation and/or visual inspection to verify compliance with the Built Green Checklist. Please see the “List of Approved Raters” at: http://builtgreen.org/directory/raters.aspx, to select a HERS rater to complete these inspections.
Energy Star is a voluntary government-backed program that focuses on improved energy efficiency. New homes earn the Energy Star designation by meeting energy efficiency guidelines outlined by the U.S. EPA. The guidelines are set to exceed the IECC 2006 by 15%. Energy Star’s primary focus is on energy efficiency. Homes must be verified for compliance by third-party verifiers.
Energy Star and Built Green are compatible programs; participation in one does not exclude participation in the other. A builder can fulfill the 2007 Built Green Checklist Energy Requirement by meeting the requirements of Energy Star, and then make selections from the Checklist to address the additional components relative to IAQ, water and resource conservation, durability and reduced maintenance. Both Built Green and Energy Star use the same third-party verifiers to conduct inspections, including an insulation inspection, and blower door and duct pressurization tests. Built Green home inspections also include documentation and/or visual inspection to verify compliance with the Built Green Checklist. Please see the “List of Approved Raters” at: http://builtgreen.org/directory/raters.aspx, to select a HERS rater to complete these inspections.
Monday, November 19, 2007
Food & Clothing Drives
Nearly 10% of Colorado’s population lives in poverty. Many of these people do not have enough nutritious food to eat, and often they don’t have access to adequate clothing. You can ease their struggle by making a donation at any of the following locations across the state.
Boulder and Broomfield Counties: Let’s Bag Hunger Food Drive. From November 11-21, drop your food donations off at participating local grocery stores or at the Community Food Share site: 6363 Horizon Lane, Longmont. Call 303.652.3663 or visit http://www.communityfoodshare.org/ for more information.
Colorado Springs: Care and Share Food Bank. Donate food anytime of the year to the Care and Share warehouse located at 2520 Aviation Way, Suite 130, Colorado Springs. Hours are 8 a.m. - 5 p.m., Monday - Friday and from 9 a.m. - 3 p.m. on Saturdays. You can also drop off your donation at local Police Department Substations. For more information call 719.528.1247 or visit http://www.careandshare.org/.
Denver: Food Bank of the Rockies. Donations are accepted at 10700 E. 45th Ave. anytime between 9 a.m. – 3:30 p.m. Monday through Friday. For more information regarding volunteering or donations call 303.371.9250 or visit http://www.foodbankrockies.org/.
Denver and additional locations across Colorado: 9 Cares, Colorado Shares. Until November 9th at 4 p.m., help thousands of Coloradans by dropping off your canned food and clothing donations to any First American Heritage Title Company in the state and other participating sites. Visit http://www.9news.com/ and click on the “community” link for more information and other participating businesses. And visit http://www.fahtco.com/ for a list of First American Heritage office locations.
Denver: Coats for Colorado. Drop off used coats at any Dependable Cleaners location in the Denver metro area until November 30th. For more information and drop-off locations, visit http://www.coatsforcolorado.org/.
Metro Area: Share the Warmth. Denver Mattress and CW2 News have joined efforts in keeping Colorado warm this winter. Now through November 12th, drop off coats to any Denver Mattress location and receive a discount coupon to Denver Mattress. Coats benefit Energy Outreach Colorado and are distributed to local charities. For more information and a list of Denver Mattress locations go to http://cw2.trb.com/ and click on the ‘Share the Warmth’ logo on the right side of the page.
Fort Collins and Loveland: Food Share Pantries. Help provide for single parents, elderly and individuals in crisis this season by donating to the Food Share Pantry and the Food Bank for Larimer County. Drop off donations Tuesdays through Saturdays from 9 a.m. – 2 p.m. at 245 S. Madison Ave. in Loveland and at 1301 Blue Spruce in Fort Collins. For more information visit http://www.foodbanklarimer.org/.
Grand Junction: Food Bank of the Rockies (FBR). Help FBR provide food supplies to over 970 hunger relief programs across Colorado and Wyoming. Drop off donations Monday, Wednesday and Thursday - 8 a.m. to 1 p.m., Tuesday - 2 p.m. to 4 p.m. and Friday - 8 a.m. to 12 noon. For more information on donations or on setting up your own food drive, contact Starlene Collins at 970.243.3937 or scollins@foodbankrockies.org.
Eagle County: Vail Police Department: Make a Difference Day. On October 27th drop off your food and/or clothing donations to the Vail Police Department parking lot from 10 a.m. – 2 p.m. Other drop off locations include grocery stores in Eagle, Edwards, Vail, Avon and Gypsum as well as many schools throughout Eagle County. For more information call 970.376.6952.
Boulder and Broomfield Counties: Let’s Bag Hunger Food Drive. From November 11-21, drop your food donations off at participating local grocery stores or at the Community Food Share site: 6363 Horizon Lane, Longmont. Call 303.652.3663 or visit http://www.communityfoodshare.org/ for more information.
Colorado Springs: Care and Share Food Bank. Donate food anytime of the year to the Care and Share warehouse located at 2520 Aviation Way, Suite 130, Colorado Springs. Hours are 8 a.m. - 5 p.m., Monday - Friday and from 9 a.m. - 3 p.m. on Saturdays. You can also drop off your donation at local Police Department Substations. For more information call 719.528.1247 or visit http://www.careandshare.org/.
Denver: Food Bank of the Rockies. Donations are accepted at 10700 E. 45th Ave. anytime between 9 a.m. – 3:30 p.m. Monday through Friday. For more information regarding volunteering or donations call 303.371.9250 or visit http://www.foodbankrockies.org/.
Denver and additional locations across Colorado: 9 Cares, Colorado Shares. Until November 9th at 4 p.m., help thousands of Coloradans by dropping off your canned food and clothing donations to any First American Heritage Title Company in the state and other participating sites. Visit http://www.9news.com/ and click on the “community” link for more information and other participating businesses. And visit http://www.fahtco.com/ for a list of First American Heritage office locations.
Denver: Coats for Colorado. Drop off used coats at any Dependable Cleaners location in the Denver metro area until November 30th. For more information and drop-off locations, visit http://www.coatsforcolorado.org/.
Metro Area: Share the Warmth. Denver Mattress and CW2 News have joined efforts in keeping Colorado warm this winter. Now through November 12th, drop off coats to any Denver Mattress location and receive a discount coupon to Denver Mattress. Coats benefit Energy Outreach Colorado and are distributed to local charities. For more information and a list of Denver Mattress locations go to http://cw2.trb.com/ and click on the ‘Share the Warmth’ logo on the right side of the page.
Fort Collins and Loveland: Food Share Pantries. Help provide for single parents, elderly and individuals in crisis this season by donating to the Food Share Pantry and the Food Bank for Larimer County. Drop off donations Tuesdays through Saturdays from 9 a.m. – 2 p.m. at 245 S. Madison Ave. in Loveland and at 1301 Blue Spruce in Fort Collins. For more information visit http://www.foodbanklarimer.org/.
Grand Junction: Food Bank of the Rockies (FBR). Help FBR provide food supplies to over 970 hunger relief programs across Colorado and Wyoming. Drop off donations Monday, Wednesday and Thursday - 8 a.m. to 1 p.m., Tuesday - 2 p.m. to 4 p.m. and Friday - 8 a.m. to 12 noon. For more information on donations or on setting up your own food drive, contact Starlene Collins at 970.243.3937 or scollins@foodbankrockies.org.
Eagle County: Vail Police Department: Make a Difference Day. On October 27th drop off your food and/or clothing donations to the Vail Police Department parking lot from 10 a.m. – 2 p.m. Other drop off locations include grocery stores in Eagle, Edwards, Vail, Avon and Gypsum as well as many schools throughout Eagle County. For more information call 970.376.6952.
Wednesday, November 07, 2007
Boulder Market has Home-buying and Investment Opportunities
The national real estate market has received a fair amount of negative attention lately. Consequently, it is understandable that Boulder County property owners are wondering how all of this negativity affects our local market. Buyers are reportedly taking their time to decide and are in no hurry to make purchases, while some sellers are generally out of touch with what is going on in this market. Although the national real estate market has been negatively impacted, Boulder is unique and doesn’t fit the traditional mold of a city or of other real estate markets across the country.Although Boulder is seeing the effects of a market slowdown, agents at RE/MAX of Boulder believe now is the time to buy.
Fewer people are looking to buy homes than in the past, but more sellers in the market means buyers have a better inventory of homes from which to choose. As a result, prices have softened and sellers have even dropped the price of their homes to sell them. In some cases homes can sit on the market for six to nine months, especially higher-priced homes. Agents are recommending sellers pay to stage their homes, as experience has shown that homes that “shine” and are priced competitively will sell faster.Although the market is not as strong as in years past right now, some positive signs show an upward trend may be on the horizon. Statistics from IRES LLC show that prices have softened, but Boulder real estate has continued to appreciate over the last two years while surrounding areas have suffered. There is a growing trend of people transferring here for new jobs, which means more buyers in the marketplace. Sellers are taking homes off the market and renting them out to take advantage of a strong rental market. With homes coming off the market, the amount of inventory will start to decline. All of these factors demonstrate why our market is unique and emphasize the point – even though the press has been reporting that nationally values will continue to drop, our market will hold its own.Under these market conditions RE/MAX agents see opportunities for both buyers and investors alike.
The rental market is strong; there are quality tenants and rising rental rates. Thus smart investors are buying income properties while the market is slow and it is still difficult for buyers to get financing. Some agents predict buyers will find good deals through the first of January and the market will make a comeback in 2008 for a stronger year. Remember, they advise, Boulder remains a desirable place to live and an excellent place to own real estate. With its proximity to the mountains, temperate climate, high quality of life, abundant open space and limited future development potential, Boulder County will always have a greater demand than supply for homes. Therefore the values should continue to rise in the long term.
Fewer people are looking to buy homes than in the past, but more sellers in the market means buyers have a better inventory of homes from which to choose. As a result, prices have softened and sellers have even dropped the price of their homes to sell them. In some cases homes can sit on the market for six to nine months, especially higher-priced homes. Agents are recommending sellers pay to stage their homes, as experience has shown that homes that “shine” and are priced competitively will sell faster.Although the market is not as strong as in years past right now, some positive signs show an upward trend may be on the horizon. Statistics from IRES LLC show that prices have softened, but Boulder real estate has continued to appreciate over the last two years while surrounding areas have suffered. There is a growing trend of people transferring here for new jobs, which means more buyers in the marketplace. Sellers are taking homes off the market and renting them out to take advantage of a strong rental market. With homes coming off the market, the amount of inventory will start to decline. All of these factors demonstrate why our market is unique and emphasize the point – even though the press has been reporting that nationally values will continue to drop, our market will hold its own.Under these market conditions RE/MAX agents see opportunities for both buyers and investors alike.
The rental market is strong; there are quality tenants and rising rental rates. Thus smart investors are buying income properties while the market is slow and it is still difficult for buyers to get financing. Some agents predict buyers will find good deals through the first of January and the market will make a comeback in 2008 for a stronger year. Remember, they advise, Boulder remains a desirable place to live and an excellent place to own real estate. With its proximity to the mountains, temperate climate, high quality of life, abundant open space and limited future development potential, Boulder County will always have a greater demand than supply for homes. Therefore the values should continue to rise in the long term.
Wednesday, October 24, 2007
South Boulder Creek Flood Mapping Study
The City of Boulder has recently finished a study on the flooding potential along the South Boulder Creek area. The Federal Emergency Management Agency (FEMA) had rejected an earlier study concluding that it was too conservative. This latest study predicts that approximately 1,137 structures would be underwater during a 100-year flood.
How does this affect Boulder homeowners? Well, if you house is in the newly described 100-year flood plain you will likely be required by your mortgage holder to obtain flood insurance. Those who have federally subsidized mortgages will probably be required to purchase FEMA insurance which costs an average of $12,00 annually. Future building in the flood plain could be restricted as well. Even though it could take up to a year for FEMA to formally adopt the new study, the City of Boulder will begin enforcing land use and building code requirement soon. It could alter your plans for an addition or a home sale!
To find out more information or to see if your home falls in the projected flood plain, visit http://www.southbouldercreek.com/. We advise you to talk to your insurance agent now, as obtaining flood insurance before the formal adoption of the study by FEMA may save you a substantial amount on insurance premiums!
How does this affect Boulder homeowners? Well, if you house is in the newly described 100-year flood plain you will likely be required by your mortgage holder to obtain flood insurance. Those who have federally subsidized mortgages will probably be required to purchase FEMA insurance which costs an average of $12,00 annually. Future building in the flood plain could be restricted as well. Even though it could take up to a year for FEMA to formally adopt the new study, the City of Boulder will begin enforcing land use and building code requirement soon. It could alter your plans for an addition or a home sale!
To find out more information or to see if your home falls in the projected flood plain, visit http://www.southbouldercreek.com/. We advise you to talk to your insurance agent now, as obtaining flood insurance before the formal adoption of the study by FEMA may save you a substantial amount on insurance premiums!
Wednesday, October 17, 2007
ENERGY AWARENESS CHALLENGE!
Put yourself on the map!
Take the October Energy Awareness Challenge!
Pledge online today to lower your carbon footprint and reduce your energy use. Your name will be added to a growing online list of committed Boulder County residents and businesses, and a green pin to visually represent your location will be placed on the ClimateSmart map.
The October Energy Awareness Challenge is a ClimateSmart initiative with a goal of adding 1,000 names to the Who’s In list during October, National Energy Awareness Month. Take the pledge and tell your Boulder County friends and colleagues! beclimatesmart.com/pledgeNow
Monday, October 08, 2007
Burglar Proof Inside Your Home
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.
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.
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.
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