Gabe Bodner
Hunter Boyce
Duane Duggan
Cathy Hobbs
Tom Kalinski
Juli Saris
ADVERTISING
Thais Hafer
Toni McNeill
FORT COLLINS - Randy Ewan of RE/MAX Alliance in Fort Collins, has been presented with the prestigious RE/MAX Lifetime Achievement Award, which honors highly successful agents who have completed at least seven years of service with the company.
“Randy’s tireless dedication to serving his clients, consumers and community has allowed him to achieve this high honor,” said Gene Vaughan, broker/owner of RE/MAX Alliance. “Winning
this award is a significant accomplishment and we’re extremely proud that Randy is a member of our team.”
Ewan has been serving his community as a real estate
agent with RE/MAX Alliance for 23 years and has extensive experience in residential resale and new construction real estate. Among Ewan’s list of achievements, he has earned the FCBR Distinguished Service Award, RE/MAX Hall of Fame Award, and RE/MAX Platinum Club Award. In addition, Ewan actively supports the Fort Collins Community through Church activities and supporting CSU athletics.
To learn more or to reach Randy, visit randyewan.com, or call 970.481.5102.
RE/MAX Alliance Fort Collins, 4703-A Boardwalk Drive, Fort Collins, 970.226 3990, homesincolorado.com.
Mary Romano MANAGING
Misty Kaiser
of luxury homes was up only ten percent.
Surprisingly, these luxury homes sold in an average 65 days; 90 days or longer is typical for any price range.
the number of closed sales is down substantially (an average of 31 percent).
The luxury home market (homes that sold for $1 million or more) in Boulder County experienced a decline in price year to year (YTY) of four percent. Because of the area’s continued popularity it bucked the trend and had a slight price increase of 0.1 percent.
MARY HILLMore homes sold in December than a year ago with an increase in new listings of 52 percent. Longmont led the way with an increase of 133 percent. This was offset by Erie’s 100 percent decrease.
More people are selling their homes in both Boulder (up 183 percent) and Longmont (up 214 percent) year-to-year. Erie’s supply
Buyers are more reluctant to buy as closed sales in December declined an average of 31 percent year to year despite the larger inventory of homes for sale.
Listing agents continue to price homes well as the average list to close price is 92.2 percent. However, it was only 88.0 percent in Longmont.
42 homes were under contract at the end of December in Boulder County, the same as a year ago.
All in all, we are in a declining luxury real estate market. The average price is down slightly (4 percent), the number of new listings is up dramatically (51.7 percent), the supply of homes is up an average of 171.4 percent, but
The market has switched from buyers clamoring to buy with a low inventory of homes on the market to sellers wanting to sell, but not selling their homes for as much or as quickly as a year ago.
If you are planning to sell your home this year, sooner is better than later because of the expected continuing decline of housing prices this year. The National Association of Realtors (NAR) expects prices to be up 15 percent to 25 percent within five years.
Mary Hill is a Realtor at Mary Hill Properties. Call 720.272.5448, e-mail mary@maryhillproperties.com or visit maryhillproperties.com.
for that week’s edition.
It’s cold and wintry outside – which means it’s the perfect time to think about sunshine, warmer weather and getting your spring gardening on! Here are a few steps you can take in February to prepare for spring gardening.
Check your gardening tools
Pull out all your gardening tools and give them a look-over. Clean everything, look for areas of damage and consider replacing worn-out tools. Pruning shears and loppers can usually use a thorough cleaning and sharpening. Anything with a hinge can benefit from a drop or two of oil. How are your gardening gloves holding out? You really do deserve a new pair without worn-out holes in the fingers – just sayin’!
Think about vegetable seeds
Mail order catalogs may have varieties unavailable at local garden
centers, but make sure they’re right for our zone. My personal favorite: pepperoncini. Burpees (burpee.com) and Park Seed (parkseed.com) have
a huge selection. Dixondale Farms (dixondale.com) has leeks, shallots and a wide variety of onion sets (choose an intermediate variety).
Seed packs contain valuable information about planting and care:
Sun: the amount of sun needed (Most vegetables need full sun.)
Germination: the amount of time for the seed to sprout after it’s been planted
Time to harvest: the amount of time between planting and harvesting
Depth: how deep to plant the seeds
Spacing: how far apart the seeds should be planted from one another
Thin: If the sprouts are too close together, some will need to be pulled out. Many of us find it painful to pull out a perfectly happy little sprout, but if the plants are too close together you’ll have a lower harvest.
Time to plant: Check the online Colorado Master Gardener. Garden Notes number 720, cmg.extension. colostate.edu/Gardennotes/720. pdf, is a useful vegetable planting calendar and often more accurate than the map on the back of the
CONTINUED – See page 16
Kelly Myers: 720-340-9936
Sibyl
Rachel Weinberg: 303-906-1392
John
720-564-6014
The following article is the first of a series of articles about how to increase the velocity of your investment dollar through real estate.
A 1031 exchange is a tax-deferred real estate transaction that “swaps” one investment property with another investment property under very strict IRS rules for the timeline and deadlines that structure the transaction.
When most people hear the words 1031 exchange, they think it sounds daunting because they wonder “who would want to exchange directly with me?”
In Section 1031 of the tax code, the IRS has outlined specific guidelines for a 1031 exchange. If you are the owner of an investment
property and want to climb the investment ladder, a 1031 exchange could be just the ticket for you.
The 1031 exchange allows you to continue your investment in real estate, while deferring taxes on any gain, so that you can climb the investment ladder faster. By not paying taxes at the time of exchanging up to a larger property, you are able to increase the velocity of your money and your investment growth.
What is a 1031 exchange?
A 1031 exchange is a transaction in
which the IRS allows you to sell a real estate investment and replace it with another without paying capital gains tax on the gain of the first property at the time of sale.
This tax concept allows you to keep trading up without having to write a check to the government each time you trade up. Sometimes these exchanges are called “tax free” but they are actually “tax deferred”. Tax is finally paid when you no longer want to be a real estate investor and are ready to “cash out”.
If the property is passed on to the heirs of the investor, it will be subject to the estate tax rules at the time of death. To qualify for a 1031 exchange there is a list of requirements, and most are easy to comply with.
The current rule reads that upon closing the sale of the first property, the owner has 45 days to locate the exchange property and 180 days to close on it. Therefore, it is wise to talk with both your CPA and your
Realtor® before selling and closing on your property. If 45 days after the closing of the sale of your old property you don’t have an exchange property selected, your exchange will be disallowed, and tax will be due. Those 45 days can pass very quickly.
The “like kind” rule of section 1031 of the code states that the properties exchanged must be “like kind”. This simply means that the investment must continue in real estate. For example, if you own vacant land, you can exchange it for an improved income-producing property such as an apartment building or an office building.
Qualifying property is property held for investment or used in a taxpayer’s trade or business. Any “boot” received will be taxable. Boot is any property which is not “like kind”. If the seller desires some cash or debt reduction this is okay, as long the seller realizes some tax will be due. You don’t want to receive any boot if
CONTINUED – See page 14
1717 IRIS AVE., BOULDER 5 Bedrooms • 3 Bathrooms • 3,375 SQFT • $1,975,000
Built originally in 1910, this beautifully maintained & updated Craftsman-style home sits on an oversized 1/3 ACRE lot and is centrally located in Boulder convenient to walking/biking paths, parks, Pearl St, 29th Street & public transportation The traditional floor plan offers wood flooring, plenty of natural sunlight, updated kitchen and bathrooms, newer windows and a finished basement with separate entrance Plenty of room to play in the fenced backyard & a bonus/studio space behind the 2-car detached garage
535
2 Bedrooms • 2 Bathrooms • 1,079 SQFT • $525,000
Great Opportunity for 1st-time Homebuyer, CU Student or Investor! This 2nd floor condo at Chateau Village West has been tastefully updated with new carpet, paint & light fixtures
The open floor plan offers a spacious living area with a cozy wood burning fireplace & large deck Each bedroom has its own bath Don’t miss the 2-Car Detached Garage & HOA Pool
1487 PERIWINKLE DR.,
4 Bedrooms • 4 Bathrooms • 2,580 SQFT • $1,282,500
This attractive 2-story is located in desirable Orchard Park, on a no-thru, quiet street and just a short walk to Lucky’s Market & Bakehouse & Wonderland Lake & trails An inviting covered & wrap-around front porch welcomes you to the cozy floor plan with wood flooring on the main floor, 2 bedrooms on the upper floor & 2 bedrooms in the finished basement
e forces behind a multiyear surge in home remodeling are waning. e homebound days of the pandemic that drove home updates are fading and the homebuying frenzy has stalled. In their place, concerns for high in ation and a looming threat of recession are easing in.
TOM KALINSKI
What does that mean for remodeling?
Despite the changing market, homeowners will keep it coming. “ e nation’s housing stock is aging, and older homes are more in need of repairs, maintenance, and updates. And despite the turmoil in the economy and nancial markets, homeowners have high levels of equity they can tap to fund the work,” writes Realtor.com.
ough slowing from the high growth rates of recent years, remodeling dreams and necessities will continue. Homeowners will be motivated to x up older homes, prepare homes for sale, ready homes newly purchased to meet their needs, make energy-e cient retro ts spurred by new government incentives and carry on when unexpected repairs need attention. Homeowners are projected to spend $448 billion nationally in the rst quarter of 2023, according to analysis by Harvard University’s Remodeling Futures Program at the Joint Center for Housing Studies. at’s about a 34.1% increase
from the $334 billion homeowners spent in the rst quarter of 2020, according to data from the center’s Leading Indicator of Remodeling Activity, or LIRA.
“ ese things will continue to prop the remodeling market up,” says Paul Emrath, vice president of survey and housing policy research at the National Association of Home Builders. “People have savings and equity in their homes … so they’re not as dependent on loans.”
“A lot of remodeling does tend to happen around the sale of a home,” says Abbe Will, senior research associate and associate project director of the Remodeling Futures Program at the Joint Center
CSU Master Gardeners Monthly Webinar: Seed Starting (VIRTUAL)
(VIRTUAL) Presented by Loveland Public Library
Wed., Feb. 8, 12 to 1 p.m.
Free. Registration Required. lovelandpubliclibrary.org/ Home/Components/Calendar/ Event/101586/3251?npage=2
CONPS Webinar: Habitat Gardening and Native Plants for Year-Round Interest
(VIRTUAL) Presented by Colorado Native Plant Society
Sat., Feb. 11, 9:30 a.m. to Noon
$25-$35. Tickets Required. conps.org/home-2/events/eventcalendar-2/#!event/2023/2/11/ conps-webinar-gardening-withnative-plants-series-habitat-
for Housing Studies of Harvard University. He explained that sellers x and ready their residences to prepare them to go up for sale and “recent buyers tend to spend quite a lot more in the rst few years after buying a home.”
Nationally speaking, home sales have declined from the hyper highs of recent years and interest rates have risen along with the remodeling costs of labor and materials. Experts predict these factors will slow the remodeling frenzy, but practical remodeling will keep its foothold.
“Although remodeling market gains are expected to cool
signi cantly next year, homeowners still have record levels of home equity to support nancing of renovations,” says Will. “Energye ciency retro ts incentivized by the In ation Reduction Act of 2022, as well as disaster repairs and mitigation projects … will further support expansion of the home remodeling market to almost $450 billion in 2023.”
“We are expecting the market to continue to grow, just not nearly as fast as it was the past couple of years,” says Will.
For more information, visit:
• realtor.com/news/trends/willhigh-in ation-and-recessionfears-lead-to-a-drop-inremodeling
• jchs.harvard.edu/pressreleases/sharp-slowdownprojected-pace-homeremodeling
Tom Kalinski is the broker/owner of RE/MAX of Boulder, the local residential real estate company he established in 1977. He was inducted into Boulder County’s Business Hall of Fame in 2016 and has a 40-year background in commercial and residential real estate. For questions, email Tom at tomkalinski33@gmail.com, call 303.441.5620, or visit boulderco.com.
gardening-and-native-plants-foryear-round-interest
Longmont Library Gardening Fair
Presented by Friends of the Longmont Library
Feb. 26, 2 to 4 p.m. (Free) 409 Fourth Ave., Longmont longmontcolorado.gov/ Home/Components/Calendar/ Event/47973/1300?curm=02& cury=2023
Northern Colorado Home and Garden Show
Presented by Greeley Tribune and Prairie Mountain Media
March 3, Noon to 5 p.m.; March 4, 10 a.m. to 4 p.m.;
March 5, 10 a.m. to 3 p.m. Island Grove Regional Park Event Center, Greeley (Free) NoCoHomeandGardenShow.com
• Your agent will be YOUR advocate and represent YOUR interests
• Assistance with the details of the purchase contract
• Advice on inspections, loan options, construction walk throughs, etc
Why should you use our expert buyers agents on a new build? All at no additional cost to you. Call your new build expert at 303.543.5720 BoulderHomeSource Team
To view a more cities and a more complete list of new home communities and builders across the Colorado Front Range, view our interactive map online at: www.AtHomeColorado.com/NewHomeMap
ur region is home to more than 700,000 residents and includes some of the most diverse, natural landscapes and sustainable development along the Northern Front Range of Colorado It’s no wonder why those who live here stay and why our the area is coveted as a place to relocate to Here we highlight a selection of the area ’ s new home communities and which builders are building where
Farmstead
Builder: Sage Homes
Rose Farm Acres
Builder: Richmond American
Heron Lakes –
TPC Colorado
Builder: Landmark Homes, Lifestyle Custom Homes, Toll Brothers
Velo Condos
Builder: Thistle Velo LLC
BROOMFIELD
Baseline Colorado
Builders: Boulder Creek
Neighborhoods, Meritage Homes, Thrive Home Builders
Vive on Via Varra
Builder: Meritage Homes
ERIE
Coal Creek Commons
Builder: Century Communities
Colliers Hill
Builders: Boulder Creek
Neighborhoods, KB Home, Richmond American
Compass Builder: Lennar
Erie Commons Builder: Boulder Creek
Neighborhoods
Erie Highlands Builder: Oakwood Homes
Erie Village Builder: Porchfront Homes
Flatiron Meadows Builder: KB Home, Taylor Morrison, Toll Brothers
Morgan Hill Builder: Lennar
Rex Ranch Builder: Taylor Morrison
Westerly
Builder: McStain Neighborhoods, SLC Homes, Wonderland Homes
Wild Rose Builder: Lennar
Barefoot Lakes Builder: Brookfield Residential, Creekstone Homes, Lennar, Richmond American Homes
Seasons at Silverstone
Builder: Richmond American Homes
GREELEY
Northridge Trails Townhomes
Builder: Hartford Homes
Promontory
Builder: Journey Homes
JOHNSTOWN
Park House
Thompson River Ranch
Builder: Oakwood Homes
The Ridge at Johnstown
Builder: Bridgewater Homes
Pintail Commons at Johnstown
Village
Builder: Richfield Homes
Mountain View Builder: Baessler Homes
Blue Sage Builder: Markel Homes
Avalon Meadows
Builder: Von s Colorado Concepts
Silo
Builder: Cornerstone Homes
Silver Creek
Builder: Markel Homes
Highlands at Fox Hill
Builders: Dream Finders Homes, Landmark Homes
Parkside
Builder: Coast to Coast
Development
Terry Street Townhones
Builder: New Leaf Properties
LOUISVILLE
North End
Builder: Markel Homes
LOVELAND
The Enclave at Dakota Glen
Builder: Glen Homes
The Enclave at Mariana Butte
Builder: American Legend Homes
Eagle Brook Meadows
Builder: Bridgewater Homes, Challenger Homes
The Lakes at Centerra
Builder: Bridgewater Homes Landmark Homes, KB Home
Kinston at Centerra
Builder: Richmond American Homes, Dream Finders Homes
MILLIKEN
Brookstone
Builder: Windmill Homes
Sunfield Builder: Windmill Homes
Downtown Superior
Builder: Thrive Home Builders, Remington Homes
Heights at Downtown Superior
Builder: Toll Brothers
Lanterns at Rock Creek
Builder: Boulder Creek
Neighborhoods
Montmere at Autrey Shores
Builder: Koelbel
Rogers Farm Builder: Boulder Creek
Neighborhoods
Harmony Builder: Landmark Homes
Serratoga Falls
Builder: American Legend Homes, Richmond American Homes
Timnath Lakes Builder: Toll Brothers
Trailside
Builder: Wonderland Homes
Wildwing Patio Homes
Builder: Hartford Homes
Country Farms Village
Builder: Landmark Homes
Greenspire
Builder: Windmill Homes
RainDance
Builder: American Legend Homes, Hartford Homes, Wonderland Homes
Seasons at Hunters Crossing
Builder: Richmond American Homes
Vernazza Builder: Landmark Homes Village East
Journey Homes
“We originally thought we did not need an agent to help us with our new home purchase and after several months of frustration, a friend suggested we contact Mar y at Boulder Home Source, within a month she helped us find the perfect new build and negotiated a lower rate and upgrades that we never expected.” The Smiths
DON’T MISS THE 40TH ANNUAL HOME + GARDEN SHOW!
MARCH 3-5 // ISLAND GROVE EVENT CENTER, GREELEY
FRIDAY NOON TO 5 P.M. SATURDAY 10 A.M. TO 4 P.M. SUNDAY 10 A.M. TO 3 P.M.
It's our 40th season and we’re more excited than ever to present the 2023 Northern Colorado Home & Garden Show!
It's the perfect place for inspiration and education for any and all of your home improvement needs. Join us as local experts in home renovation, landscaping and design will showcase their expertise at this annual event.
At one point you may decide to take the plunge, clear the slate and start fresh, or perhaps you just want to refresh certain areas of your home.
Regardless of your desire, certain rooms and key target areas may serve as a great place to start. The springboard to success may lie in planning, deciding what stays and what goes, and creating a targeted and focused list of must-haves. Here are some tips to help set you on the proper course.
Purge. Begin by donating items you no longer need or want. Make a list. The list should contain items you want to keep and those you want to swap out or replace for refreshed items.
Look for ways to repurpose items when possible, as opposed to trashing or tossing.
Consider ways to bring the outdoors in to bring a sense of freshness and renewal into a space.
A living space that allows the outdoors in. (Handout/TNS)
Organize. For many, organization is the key to a successful home. Kitchens and bathrooms are great places to implement the ideal sense of order and organization.
Make your home functional and purposeful. Rooms that are multipurpose or family-friendly can increase versatility and usage. Set a budget.
Set goals and a timeline.
Craft a realistic action plan for implementation.
Follow up and follow through. Action items in the form of projects and items not implemented should stay on an active to-do list.
Cathy is an Emmy Award-winning television host and a nationally known interior design home staging expert and short-term rental/vacation home designer. Visit her website at cathyhobbs.com.
Highly coveted Village at Foxhill townhome This beautifully maintained, open floor plan home with vaulted ceilings and a loft, allows you to be connected with friends and family or to sneak away for peace and quiet Main floor primar y suite and laundr y allows for
F irst Light Dr, W indsor
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you want the transaction to be 100 percent tax deferred. A rule of thumb to defer taxes is to always replace the exchange property with one of equal or greater value and debt. You should bring cash to the closing of the exchange property to cover charges that are not transaction costs, such as utility escrows, rent prorations, etc. An exchange intermediary must be used to hold the exchange funds from the closing of the old property.
In the typical exchange, you will be selling a property which you have been holding for investment. According to the IRS rules you cannot touch the money that comes from the closing of your former property. You need to hire an exchange intermediary. The intermediary will charge a fee for completing the exchange agreement and all the necessary paperwork. The intermediary will hold your cash proceeds until you are ready to close on the replacement investment property.
The agreement between the investor and the exchange intermediary contains an assignment of the contract to the intermediary. It allows the intermediary to hold the funds until the next closing. If the investor was to take receipt of the funds, a taxable event would occur. The deadlines for the identification and closing of property will be specified. It will allow the intermediary to disburse exchange funds to purchase the replacement property.
The IRS also allows for what is known as a reverse exchange. In this case, the replacement property is purchased, through the Intermediary, prior to the old property being sold. The Intermediary actually takes title to the property and holds it until the investor can find a buyer for the old property. After the replacement property is purchased, the investor has 45 days to identify the property that will be relinquished, and
180 days from the closing of the replacement property, to close on the property being relinquished. The reverse exchange creates some financing issues since lenders don’t like to lend money to the intermediary. Therefore, the investor typically needs to have the cash available to purchase the replacement property, or have a line of credit arranged.
This is an exchange when the relinquished property and the replacement property closings both occur on the same day. An exchange like this is excellent, if you can get real estate owners lined up who will literally exchange their property at the same time. Most exchanges are accomplished using the delayed exchange rules.
This is the typical exchange in which the taxpayer has 45 days after closing the relinquished property to identify the replacement property and
This is an exchange in which the taxpayer needs to enhance the property to create adequate value to close the exchange without creating a tax liability. The improvements need to be done before the 180 days have passed.
This article was just a brief overview of the 1031 exchange concept. There are many other details and intricacies to learn about. It’s advisable to consult with your tax professional and your 1031 intermediary company to determine what works best for you.
Duane has been a Realtor since 1982. Living the life of a Realtor and being immersed in real estate led to the inception of his book, Realtor for Life. For questions, e-mail DuaneDuggan@boulderco.com, call 303.441.5611 or visit boulderco.com.
As someone over the age of 50, your needs aren’t the same as a first-time home buyer or seller Whatever reason you may have for considering a move, you can depend on an SRES® to guide you through every part of the process.
As a Seniors Real Estate Specialist® (SRES®) I can help you move with confidence! www.AtHomeRealEstateCo.com
pleased to announce Philip Zajicek has joined the Elevations Credit Union Mortgage Team.
By Hunter Boyce, The Atlanta Journal-Constitution (TNS)
A new year means a new look. With more people working inside of their homes than ever, now is the perfect time to consider giving that home office a new coat of paint. But don’t just recoat it. Give it a new personality by using one of this year’s top home office paint color trends.
Hale Navy by Benjamin Moore
If you are looking for the best of both worlds, Hale Navy by Benjamin Moore offers a darker paint that still has enough colorful pop to level up your home office space.
“Bringing back color is something we are seeing strong for 2023,” House Sprucing owner and principal designer Heather Fujikawa told Veranda. “Color drenching walls in darker colors is all the rage and we love this Hale Navy paint color by Benjamin Moore that brings the
perfect hue of navy blue.”
Citrus
While inky blacks can give your home office depth, blotches of vibrant color can give it a more cheerful personality. One of the most popular options this year is citrus.
“Small shots of big citrus bring excitement to a space without creating visual overwhelm,” interior
designer Jackie Terrell told Good Housekeeping. “It’s like a punchycolored throw pillow for the wall. When used in a specific area of wall, it defines a space and everything looks good against this yellow green. Even beige!”
Inkwell by Sherwin-Williams
Home offices are often given the smaller of the house’s bedrooms, making space a valuable commodity.
Luckily, dark colors can help make the most of that home office space.
“Dark colors in smaller spaces can pack a punch and make a huge impact just through tone and depth of paint,” Miretta Interiors’ Zandy Gammons told Elle Decor. “In this case, we created a focal point by using Inkwell, a really dark but neutral paint color. The art and other details make for a contrast that is more noticeable than if they were hung on lighter walls.”
Viva Magenta by Pantone
If you’re looking for a real punch of color, go all out with a coat of Viva Magenta by Pantone.
“If your work relies on you being creative and full of energy, then Viva Magenta, Pantone’s 2023 Color of the Year, is great for invigorating home offices and boosting your energy,” Ryan McDonough, interior design expert at Myjobquote.co.uk, told House Beautiful. “Raspberry is also a color that’s tipped to be big.”
Many of us have deeply rooted beliefs, which date back to the Great Depression, that we must pay off our mortgage. As a matter of fact, people used to host mortgage burning parties once their mortgage was paid off. The idea that we must pay off your mortgage has been ingrained into many of our minds by our parents or grandparents generation. Does this belief still hold true today? Is paying off your mortgage the best investment strategy given all the new products and solutions available?
GABE BODNERThis becomes a philosophical and potentially a very personal decision. I believe the idea of paying off your mortgage is an outdated philosophy and is extremely inefficient financially. There are many reasons why people want to pay off their mortgage, here are the most common reasons I hear from clients:
• To eliminate monthly expenses; to not have a mortgage payment
• For security reasons; so nobody can ever take their home away from them
• For legacy planning; to leave their home to their heirs
When I meet with clients these
are the reasons I hear most often. Let’s break these down in greater detail.
The idea of not having to make a mortgage payment is quite attractive, I can absolutely understand this goal. Let’s face it, when we retire, our income typically decreases so if we can cut out making a mortgage payment (which is typically most people’s largest expense in retirement), this can be a huge financial relief. Guess what? A reverse mortgage achieves this goal…you never have to make a mortgage payment as long as you live in the home, pay property taxes, and home insurance.
As far as the security of knowing that nobody can ever take your home away from you, I believe this stems from fear. During the Great Depression, when Americans were panicking and taking their deposits out of banks, banks were forced to call mortgages due and payable to get cash or they would become insolvent. Due to the economy, many people were simply unable to make their mortgage
seeds.
Container: Some vegetables do well in a container. The container number is the number of seeds to sow in a container. Spread them out around the edges of the container.
Test your soil (when it’s thawed): Know your soil’s needs before adding to it. Do you need compost? Less nitrogen? A soil test will give you that information and support a healthy garden. Basic testing kits are available at any garden center or big box home store. More information is available at agsci.colostate.edu/soiltestinglab.
and were forced from their homes. The Great Depression left a very lasting and scary impression on the Greatest Generation and the Silent Generation which certainly spilled over to the Baby Boomer Generation as well. Did you know, you still own your home when you have a reverse mortgage, the lender does not? Furthermore, as long as you live in the home, pay the property taxes and home insurance, the lender cannot take your home from you. Last, let’s talk about legacy planning. This is the most complicated and fascinating topic. We all want to leave something to the next generation to remember us by. Historically, your home has been the asset we earmark as what we want to leave to our kids. We use the money we have put away in a savings account, IRA or 401K and other assets for cash flow in retirement. Historically, people would not use their home equity except as a last resort…if they ran out of money, then they would get a reverse mortgage to get access to some of their home equity. However,
Plan for flowers: It’s too late to plant springflowering bulbs like tulips and daffodils (plant those in the fall), but it’s a perfect time to consider other ornamentals. Peonies and roses are perennial favorites, but there are so many others that do well in Colorado and come back every year. Check out Plant Select (plantselect.org) to discover beautiful lower water and xeric plants. Happy gardening!
there has been a significant amount of research done over the last 7-8 years on the new reverse mortgage and using home equity as part of an orchestrated strategy in retirement. The bottom line is that this new research has proven that if you incorporate home equity earlier in retirement, you will preserve and protect your other assets allowing them more time to grow, pay less in income taxes, and increase your probability of achieving your financial goals. Mathematically, this has been proven every single time. Guess what…you got it, a reverse mortgage is the best financial tool to achieve this goal.
The idea of owning your home free and clear, though it may have a nice ring to it, is not the best investment strategy. It simply means you have hundreds of thousands of dollars locked up in your home and no ability to access it. The reverse mortgage is a safe and flexible tool which allows you to access a portion of the equity in your home, while maintaining ownership of your home. And if it is still important, there is a way to pass your home onto your heirs!
Gabe Bodner is a retirement mortgage planner and licensed mortgage originator in Colorado. Gabe utilizes the latest research from the top researchers to assist his clients to live for today and plan for tomorrow. To reach Gabe, call 720.600.4870, e-mail gabe@bodnerteam.com or visit reversemortgagesco.com.
Seed packets include information on how and when to plant seeds. (Forest and Kim Starr — Wiki Commons)
ARVADA
8414 Quartz Circle
$1,070,000.00
Sat., Noon-2 p.m.
Chris Ermold
RE/MAX Alliance
(720) 839-4354
BERTHOUD
911 Mountain Drive
$1,999,000.00
Sat., Noon-2 p.m.
Aggie Sobol
WK Real Estate (303) 885-9806
BOULDER
3085 Edison Court
$650,000.00
Sun., Noon-2 p.m.
Abe Moger, Mike Moger
WK Real Estate (720) 300-4590
2990 Shadow Creek, #307
$675,000.00
Sat., 1-3 p.m.
Steve Carter
RE/MAX of Boulder (303) 931-4812
848 Walnut St., Unit C
$699,000.00
Sat. & Sun. 11 a.m.-3 p.m.
Deborah Lepercq
Coldwell Banker Realty
Boulder (303) 956-4003
5447 Lodge Place
$1,300,000.00
Sun., Noon-3 p.m.
Terry Larson
RE/MAX of Boulder (303) 589-3028
2300 Linden Drive
$1,500,000.00
Sat., 11 a.m.-1 p.m.
Shannon McGuire
RE/MAX Alliance (303) 475-2297
6111 Reserve Drive
$2,350,000.00
Sun., 11 a.m.-1 p.m.
The Bernardi Group
The Bernardi Group (303) 402-6000
3265 6th St.
$2,475,000.00
Sat., Noon-2 p.m.
Leyla Steele
RE/MAX Alliance (303) 859-3110
ERIE
138 Bonanza Drive
$800,000.00
Sat., Noon-2 p.m.
Joshua Legare
WK Real Estate (720) 325-7394
GREELEY
8043 22nd St.
$495,000.00
Sat. & Sun., Noon-2 p.m.
Jenny Oliveira Getting
WK Real Estate (970) 534-1188
LAFAYETTE
452 Levi Lane by Markel Homes
Starting from $579,900
Fri.- Mon., 11 a.m.-5 p.m.
Thurs., 11 a.m.-5 p.m.
Marlita Lazo
Markel Homes (303) 651-9565
2559 Otter Court
$890,000.00
Sat., 1-3 p.m.
Ken Watkins
RE/MAX Alliance
(720) 891-5499
LONGMONT
1868 Lincoln Drive
$400,000.00
Sun., Noon-2 p.m.
Kelly Myers
WK Real Estate
(720) 340-9936
805 Summer Hawk, #Y-146
$425,000.00
Sun., 1-3 p.m.
Natasha Hubbard
RE/MAX Alliance
(303) 909-3810
1419 Red Mountain Drive, #32
$450,000.00
Sat. & Sun., Noon-2 p.m.
Abe Moger & Mike Moger
WK Real Estate
(720) 300-4590
745 Grandview Meadows Drive
$530,000.00
Sun., Noon-2 p.m.
Jan Marose
RE/MAX Alliance
(303) 817-9675
1273 Trail Ridge Road
$559,000.00
Sun., Noon-2 p.m.
Laura Chittick
WK Real Estate
(303) 332-4118
230 River View Court
$570,000.00
Sat., 11 a.m.-1 p.m.
Troy Terry
Troy Terry Homes
(303) 956-6793
5801 Grandville Ave. by Markel Homes
Starting from $599,900
Fri.-Thurs., 11 a.m.-5 p.m.
Roz Pinon
Markel Homes
(720) 583-2170
2727 Villanova Court
$800,000.00
Sat., 11 a.m.-1 p.m.
Regan Sample
eXp Realty LLC
(720) 438-5585
NEDERLAND
180 E 2nd St.
$335,000.00
Sat., 11 a.m.-1 p.m.
Josh Harrod
RE/MAX Alliance
(303) 517-1763
SUPERIOR
2855 Rock Creek Circle, #245
$549,000.00
Sat., 11:30 a.m.-1:30 p.m.
Sun., Noon-2 p.m.
Barry Remington
WK Real Estate
(720) 373-9297
THORNTON
6605 E 129th Place
$625,000.00
Sat., 11 a.m.-1 p.m.
Sun., 1 p.m.-3 p.m.
Kit Magley
RE/MAX Alliance
(303) 775-5177
WESTMINSTER
2390 Ranch Reserve Ridge
$2,980,000.00
Sat., Noon-3 p.m.
Mia Ness
Colorado Landmark
(720) 273-7567
TO LIST YOUR OPEN HOUSE OR VIEW THIS WEEK’S OPEN HOUSES IN MORE DETAIL VISIT: OPENHOMES.ATHOMECOLORADO.COM
The Following Northern Colorado Home Sales were supplied by Colorado Weekly Homebuyers List Inc., 303-744-2020. Listed are the buyer, the property address, the seller and the amount.
• Richard Green -- 216 S 3rd St., Kiersten Brauner, $340,000.
• Edwin Hanson -- 507 E Michigan Ave., Brian C Macchione, $535,000.
• Francisco and Gloria Flores -1554 Vantage Parkway, Melody Homes Inc, $550,000.
• Brendan and Emily Fetter -- 1542 Vantage Parkway, Melody Homes Inc, $620,000.
• Xixia Jiang -- 1661 Vantage Parkway, Melody Homes Inc, $675,000.
• Timothy and Debra Howard
-- 1715 Wales Drive, Sara and Steven Wykoff, $777,500.
• Trent and Clara Asbury -- 7926 Lakota Ridge Lane, Bruce and Diana Liikanen, $1,320,000.
• Destiney Nesladek -- 2830 E College Ave. Unit 3, Kaelin Marie Cawley, $112,600.
• Lilian and Ethan Shea -- 805 29th St. Apt 256, Dukelily LLC, $290,000.
• Kristina Davis -- 3745 Birchwood Drive Apt 36, Joseph Arthur Schoonover, $295,000.
• Heath and Shea Burchill -- 3009 Madison Ave. Apt 222k, Daniel and Susana Garcia, $335,000.
• Annelaura Francois -- 695 Manhattan Drive Apt 122, Chloe C Barbersmith, $400,000.
• Tyler Prete -- 1617 Yellow Pine Ave., Paul Fowler, $620,000.
• Richard Komarovskiy -- 3138 29th St., Katherine and Timothy Tyler, $650,000.
• Jasper Stroud -- 5350 Illini Way, Avigael Mann, $880,000.
• Joe Zamudio -- 315 Arapahoe Ave. Apt 201, Jacob G Jacobson, $999,500.
• Christine Berthelot -- 730 Quince Circle, Michael Lee Smith, $1,000,000.
• Trevor and Ashley Hartle -380 30th St., Joel D Feldman, $1,105,000.
• Marybeth Emerson -- 545 Mapleton Ave., Elizabeth Ann Aderman, $1,850,000.
• Sophia Katsikas -- 1172 Telleen Ave., Natasha A Olien, $455,000.
• Pete Romero -- 483 Gold Hill Court, Richmond Am Homes Colo Inc, $585,000.
• Laurel Olsen -- 428 Mazzini St., Cindy H Marlowe, $640,000.
• Troy and Kathryn Wojick -- 131 Westwood Way, Stephanie E Cynkar, $650,000.
• Sean and Maggie Malley -- 231 Maddox Lane, Lennar Colo LLC,
$700,000.
• Mary Gannon -- 270 Maddox Lane, Lennar Colo LLC, $750,000.
• Jason and Taylor Jamieson -- 723 Drake Ave., Kellen and Kathryn Flynn, $780,000.
• David and Nicole Doblin -- 1713 Meagan Way, Century Land Holdings LLC, $960,000.
• Scott and Amanda Kutzler -- 651 Green Mountain Drive, Richmond Am Homes Colo Inc, $1,079,200.
• Oleh Pereverziev -- 6565 Us Highway 36, Cortney Marie Becklin, $655,000.
• Javier and Sylvia Maldonado -3313 Claremont Ave., Reliahome LLC, $392,000.
Evan Oconnor -- 3214 San Marino Ave., Dylan Gunn, $397,000.
• James and Aubri Cook -- 10210 Eastview St., Jay and Debra Digiacomo, $540,000.
• Grant Vinchattle -- 12921 Brier Court, Lennar Colo LLC, $540,000.
• Erik Hammer -- 2702 19th St. Drive Apt 15, Luis Mora, $280,000.
• Jorge Contreras -- 617 21st St., Robert D Rodewald, $280,000.
• Miranda Blake -- 2417 14th Ave., Casey Rogers, $291,000.
• Rolando Lopez -- 909 E 25th St. Road, Hud, $321,000.
• Jeffrey Cayton -- 3660 W 25th St. Unit 402, Dora Leticia Tolentino, $324,100.
• Anthony Richison -- 1309 7th St., Nathaniel S Meyette, $324,900.
• Casey Rogers -- 1910 29th Ave., Lori and Ted Mcmurren, $325,000.
• Crystal and Kaden Tafoya -415 10th St., Gfl Invest LLC, $345,000.
• Joshua and Susan Turner -- 1627 104th Ave. Court, Journey Homes LLC, $389,800.
• Zachary Troyer -- 2213 27th Ave., Beth E Irvine, $395,000.
• Elliot and Tiana Shupe -- 1715 57th Ave., Opendoor Property J LLC, $400,000.
• Elizabeth Villanueva -- 10310 17th St., Journey Homes LLC, $413,300.
• Tyler Eide -- 10101 17th St., Journey Homes LLC, $418,400.
• Adam Herning -- 1616 104th Ave. Place, J J Constr Northern Colo LLC, $447,800.
• Nathan and Jennifer Balliew -- 1320 63rd Ave., Benjamin and Jennifer Palmer, $459,900.
• Tasiah Martinez -- 333 N 64th Ave., Melody Homes Inc, $468,000.
• Thomas and Janie Yates -- 3145 58th Ave. Court, Suzanne M Holladay, $469,900.
• Habteselase Awalom -- 1623 104th Ave. Place, J J Constr Northern Colo LLC, $488,700.
• Cheryl and Jay Jacobs -- 6804 23rd St., Mark D Gillespie, $530,000.
• Heidi and Matthew Miranda -- 56 Pajaro Way, Jay and Cheryl Jacobs, $850,000.
• Jaime and Justin Sticker -- 747 Harvard St., Lennar Colo LLC, $430,000.
• Koke and Gina Martin -- 768 Harvard St., Lennar Colo LLC, $480,000.
• Gregory and Michelle Vogt -3401 Holden Lane, James and Janice Baker, $550,000.
• Frederick and Daphne Currier -- 207 Clayton Ave., Thomas and Alexa Haft, $425,000.
• Garrett Peitz -- 337 Todd Ave., Donald Austin Brunz, $380,000.
• Mark Everett -- 1703 Whitehall Drive Unit 3e, Charles Connell, $385,000.
• Marten and Janet Koops -- 905 Tony Place, Bridget M Richardson, $404,000.
• Michael Eldridge -- 603 Goss Drive, Linda J Robinson, $415,500.
• Kurt and Senta Vagle -- 1703 Whitehall Drive Unit 8f, John and Patricia West, $420,000.
• Maxwell Grones -- 1835 Rice St., Conor and Mackenzie Mccormick, $470,000.
• Pilar Deposadas -- 1305 Red Mountain Drive, Todd Michael Hintz, $550,000.
• James and Jo Wakimura -- 505 High Pt. Drive, Dfh Mandarin LLC, $629,100.
• Marsha and David Ray -- 1023 Champion Circle, Craig and Barbara Maccambridge, $666,700.
• Angela Poulson -- 733 Nelson Park Circle, Mary Lou Lambert, $687,000.
• David Evans -- 1228 Twin Peaks Circle, Carlos and Suzanne Martinez, $720,000.
• Leopoldo Rodriguez -- 287 Western Sky Circle, Mario Di Dio, $754,000.
• Wendy Emrich -- 625 Bross St., Della and David Temple, $1,150,000.
• Elizabeth Hutton -- 3125 Depo Drive, Robert and Tressa Fine, $1,400,000.
• Amy Aschenbrenner -- 3089 Da Vinci Drive, Aspen Homes Colo Inc, $244,700.
• Megan Ackerman -- 1231 E 6th St., Gordon and Colleen Ivey, $330,000.
• Johnathan Berger -- 5613 Roosevelt Ave., Kurt and Ursula Albers, $380,000.
• Crystal Nisby -- 3217 Da Vinci Drive, Aspen Homes Colo Inc, $385,600.
• Kyle Michel -- 6240 Wild Rye St., Lennar Colo LLC, $445,000.
• Dylan and Alyssa Gunn -- 1657 Marilyn Court, Taylor and Jessica Johnson, $453,900.
• Hannah Brennan -- 3404 Logan Ave., Jacob P Anderson, $460,000.
• Trevor Crenshaw -- 4141 Greenhorn Drive, Tatlac LLC, $463,600.
• Christopher Chew -- 2666 Sapphire St., Rodney W Suggs, $470,000.
• Adam Less -- 1249 W 8th St., Quinn J Jackson, $500,000.
• Trenton and Christine King -2480 Cabin Creek Ave., Lennar Colo LLC, $515,000.
• Olivia and Harry Hughes -- 5559 Segundo Drive, Challenger Denver LLC, $585,000.
• Matthew and Tonya Truelove -- 5657 Ault Drive, Tralon Homes LLC, $625,000.
• William and Joyce Haas -- 2005 Vancorum Circle, Dennis and Margare Ahlders, $635,000.
• Michael and Lara Guzman -- 2521 Painted Turtle Ave., Lennar Colo LLC, $645,000.
• Joni Zimmerman -- 3551 Gold Hill Drive, Kingdon Brady, $650,000.
• Mary and Sheldon Rosenkrance -1310 W 6th St., Greg Bernhardt, $690,000.
• Matthew Sixberry -- 4228 E State Highway 402, University Rental Group LLC, $780,000.
• John and Channing Sullivan --
562 Bald Eagle Way, Danowski Family Trust, $850,000.
• Albert Weiner -- 330 Meadowsweet Circle, Jordan and Paige Allison, $890,000.
• Radoslaw Wasak -- 4421 Nolan Lake Court, Bridgewater Homes LLC, $1,005,400.
• Steven and Sara Wykoff -- 5131 Lynnwood Court, Kelly and Diana Green, $1,600,000.
MILLIKEN
• Jesus and Benita Ramirez -- 1386 S Frances Ave., Brandon Bierhaus, $420,000.
NUNN
• Nancy Cable -- 745 Lincoln Ave., Lynetta Jo Neisius, $285,000.
SEVERANCE
• Andrew Ross -- 695 Takin Drive, Tyler and Deann Lefebvre, $460,000.
TIMNATH
• Wesley Filho -- 3885 Cashen Lane, Eric and Carrie Baumgart, $3,200,000.
WINDSOR
• Collin Dyk -- 369 Amber Drive, Catherine A Dunihoo, $460,000. [Epmichael and Hunter Millington -- 864 Camberly Drive, Shannon and K Hamilton, $485,000. [Epelisabeth Crews -- 1201 High Plains Court, Russell Scott Lawry, $765,000.
