At Home Colorado - Boulder County Edition 02.09.18

REAL ESTATE

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FEBRUARY 9-10, 2018

How to Buy a House When You Have Student Loan Debt

Chocolate is a Valentine’s Best Friend

If you’re mired in student loan debt, that doesn’t mean you can’t get a mortgage. You just have to be aware of your options.

This Valentine’s Day, celebrate your passion with the plant that’s been revered for over 5,000 years: chocolate.

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atHome

COLORADO HOME AND REAL ESTATE

ATHOMECOLORADO.COM CONTRIBUTING WRITERS Tom Kalinski Suzanne Plewes Duane Duggan Jennifer Egbert Jack Guttentag Pat Setter Robin Saks Frankel Rick Jacquemard Rebecca Lee Carol O’Meara Mary Carol Garrity Cathy Hobbs Paul F. P. Pogue ADVERTISING CONSULTANTS Thais Hafer, Toni McNeill Mary Romano ADVERTISING FEATURES COORDINATOR / DESIGN Greg Stone At Home is an Advertising Supplement published by the Boulder Daily Camera and Longmont Times-Call. ©2018 Prairie Mountain Media.

SEND US YOUR NEWS. At Home welcomes real estate/ agent news, real estate/home tips, events, hirings, advancements, awards, community involvement and other information of interest to the Boulder County and Northern Colorado areas.

Submitted items should be non-promotional in tone. E-mail athome@dailycamera.com ADVERTISING INFORMATION: To advertise in At Home or to promote your open house contact Thais Hafer at 303.473.1456, Toni McNeil at 303.684.5329 or visit AtHomeColorado.com/Advertise To submit an open house listing, visit openhomes.athomecolorado.com.

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REAL ESTATE NEWS

Boulder area home sales reach new heights – again BOULDER – It’s the same old story, but one we love to hear.

Boulder County home sales closed 2017 with yet another increase over the previous year,

BY TOM despite ongoing KALINSKI low inventory, RE/MAX of Boulder according to Ken Hotard, senior vice president of public affairs for the Boulder Area Realtor® Association.

“All in all, the year was positive.

Sales increased moderately over 2016 in both single-family and attached residential housing,” says Hotard.

That’s saying a lot, since sales have increased in Boulder County for several years in a row and prices have increased significantly, while inventory levels never cease to become more challenging.

“The past several years have a pattern of similarity. It’s a sure sign that the demand for a home in Boulder County is strong and undeterred,” he says.

In fact, year-over-year increases in sales were only about one percent apart in each market category. Condominiums and townhomes lead with a 5.6 percent rise through December 2017 – 1508 homes sold vs. 1,428 through 2016 – while sales of single-family homes improved 4.4 percent for the year with 4,612 homes sold vs. 4,419.

Month-to-month sales of single-family homes were virtually unchanged, increasing .1 percent in December 2017 compared to November 2017 – 363 vs. 359 units. In the same period, sales of attached dwellings dropped 2.4 percent compared to the previous

month – 120 units vs. 123.

Hotard says lack of inventory is a problem plaguing Boulder County that shows little sign of change in the near future.

Inventory of single-family homes dropped 28.3 percent in December compared to November – declining to 557 units from 777, while multi-family unit inventory decreased 5.5 percent – 138 units versus 146 – over the same period.

Adding to the inventory crunch, demographers say age is starting to catch up with Boulder County.

State demographics show the size of the retired Baby Boomer age group will reach unprecedented levels in the coming years.

Experts say older people tend to move less and age in place. Hotard cautions the aging population could make the already tight housing inventory even tighter over the next decade.

Where might inventory easing come from? Hotard notes that Boulder city leaders are looking at land use policies that may bring some limited relief by making it easier to build Accessory Dwelling Units or Occupant Accessory Units. And there’s consideration being given to a targeted zoning change that would allow two homes to be built on larger lots where only one home currently

stands.

None of these changes, though, will have the impact needed soon enough or large enough to negate the fact that many people who work in the city of Boulder will likely live somewhere else. Hotard believes that improved public regional transportation will be a needed component of our housing picture.

“We’re in the midst of a big shift,” says Hotard. “Boulder Valley used to be 25 square miles surrounded by reality. Now it’s 25 square miles surrounded by competition. That competition is in shopping, locations for businesses, housing and jobs.”

Housing start statistics show that building has increased in Eerie and the tri-towns of Dacono, Frederick and Firestone north of Boulder.

“Increasing inventory in these towns is helping to keep pricing in check in Boulder,” Hotard says of the competition. “Moderating prices is probably a good thing.”

But he remains confident that Boulder County holds strong as a place that people want to live. He expects 2018 to be another positive year in the area’s residential real estate, beginning with a strong first quarter. With interest rates expected to slowly rise, buyers will be motivated to move earlier in the year rather than later.

“As long as we have the beauty and quality of life Boulder County offers, people will want to live here.” And that means our real estate market will be rock solid.

Tom Kalinski is the owner and founder of RE/MAX of Boulder. Call 303.441.5620, e-mail tomkalinski33@gmail.com or visit boulderco.com.

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REAL ESTATE

5 home selling mistakes to avoid LOVELAND – Selling a home requires a lot of preparation and decision making.

From pricing to marketing and staging, there are many opportunities

BY SUZANNE to unknowingly PLEWES make mistakes.

RE/MAX Alliance If you’d like to sell your home quickly and for top dollar, it’s important to avoid these five home selling mistakes.

Pricing too high to start We all keep hearing about how great the market is on the news and from friends and family.

This may lead you to think that you can price your home much higher than you actually should.

Unfortunately, this can be one of the biggest home selling mistakes that you can make.

Pricing a home too high leads to a longer marketing time, price reductions, and loss of buyer interest. This ultimately hurts your

buyers ready and waiting. Sure, it’s great that the home sold quickly, but was it really for top dollar?

The way that you get the most for your home is through full market exposure and buyers competing for your home. That can’t happen unless you have full market exposure.

will assume that you neglect all repairs, whether big or small. This perception will undoubtedly lead them to think differently about an offer on your home.

Making emotional decisions It’s difficult not to be emotional about selling your home. After all, your home is filled your memories and hard work. As challenging as it may be, when it comes time to negotiating offers, you must try not to let those emotions impact your decision. Doing so will allow you to make better financial decisions.

Restricting showing times Keeping your home clean and staged for showings can be a bit inconvenient, but you should never restrict showing times. Showings that are limited to certain days/ times or require lengthy notice can cause you to miss out on certain buyers. Fewer buyers means fewer offers and a lower selling price.

So, although it might be a hassle, the payoff will be well worth it!

When selling a home, you should never neglect obvious repairs like peeling paint or leaky plumbing.

(Photo: Shutterstock)

bottom line. Be sure to heed the advice of your agent and price competitively for the current market.

Summary The above are just a few mistakes often made by home sellers.

Working with a good real estate agent can help you avoid these mistakes and many others Suzanne Plewes is a broker associate at RE/MAX Alliance.

Write to 750 W. Eisenhower Blvd., Loveland, CO 80537, call 970.290.0373 or e-mail suzanneplewes@remax.net.

Neglecting repairs Home repairs are important, particularly if you’re trying to sell. You should never neglect obvious repairs like peeling paint, or leaky plumbing. Although some issues may seem minor, they can have a big impact on home buyer impressions. Buyers

Limiting market exposure You’ve probably heard stories of people selling their home quickly without ever having fully listed it on the market. Perhaps they found an interested party on their own or came across an agent who had

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REAL ESTATE

Why purchase a multi-unit residential property? – Part 3 BOULDER – Are you realizing that it’s time to build your real estate portfolio or add an income stream?

In this threepart series of articles, I outline

BY DUANE why owning a DUGGAN multi-unit rental Realtor and Author property could RE/MAX of Boulder offer benefits beyond single-family rental properties. In my previous article, Part 2 of the series, I detailed areas of consideration for financing and for evaluating a multi-unit property. I also pointed out quick rules of thumb that lenders – and you, as a potential buyer – need to review. In this article, I will discuss insurance, closing day, apartment management, and expenses – all of which are critical to your ownership of a multi-unit residential property.

Insurance Just like financing for the multiunit residential building, insurance for a multi-unit building is a specialty. Before acquiring an apartment, you will want to become familiar with insurance agents that offer commercial insurance. Apartment insurance quotes can vary widely for the same coverage. Insurance is part of an overall protection package, along with your form of ownership as an LLC or LLLP. Apartment policies typically include a few unique features, such as building ordinance and law coverage. For instance, if you have an older building and it burns

Insurance, closing day, apartment management and expenses are all critical to your ownership of a multi-unit residential property.

down, the new building codes may be different than the code when the building was built. Building ordinance coverage can help cover the higher cost of complying with a building ordinance or law when reconstructing a building after it has been damaged.

Closing day Closing day for a multi-unit building has the same basic format as a closing for a house. There are, however, a few unique forms, such as assignment of leases, tenant estoppels, the pro-ration of rents, and the transfer of security deposits.

Management Professional management is a must for the multi-unit residential building. An owner or individual could act as their own management, but a professional property manager will secure

better rents, better deposits and will do a much better job at screening the tenants. In addition, a property manager can usually help you keep control of expenses by having several of their own maintenance people on staff. In a large building, some professional managers even hire a resident manager to help with day-to-day duties. A professional manager is also able to stay up to date on new laws and trends affecting property owners that an individual owner may never even know about. A great example is the Lead Base Paint Disclosure. The owner is required to give a Lead Base Paint Disclosure with any leases of apartments in buildings built prior to 1978, whether lead based paint was ever used or not. Many individual owners that I meet have never done this, and the fines are substantial. Because all the units are grouped together, typically the management fee for a 25-unit building, as a percentage, will be less than the management fee for 25 individual homes.

Laundry Multi-unit buildings will often have a common laundry facility.

These machines are seldom owned by the owner of the building.

They are usually provided by a service such as Automatic Laundry. Automatic Laundry will service the machines, collect the revenues and pay the building owner a commission. Laundry companies will often have long term contracts that may transfer with the building upon purchase.

Laundry contracts should be reviewed along with all the other due diligence items.

Expenses Sellers of buildings will often deliver an expense report to the prospective buyer. These reports should be reviewed with a realistic analysis of expenses based on both the current owner’s numbers and a projection of future expenses predicated on current trends.

Make sure a seller’s report is complete and includes entries for the following: principal, interest, taxes, insurance, water, sewer, common utilities, management, advertising, legal, snow removal, yard care, regular maintenance and supplies, vacancy, accounting, and miscellaneous.

This completes my three-part series of articles about purchasing a multi-unit residential property.

As you explore this idea and move forward, be sure to pull together a team that includes a mortgage loan officer, financial planner, accountant, property manager, insurance agent, and Realtor to consult with.

Duane Duggan is an awardwinner Realtor and author of the book, “Realtor for Life.” and has been a Realtor for RE/MAX of Boulder since 1982.

He has facilitated over 2,500 transactions over his career. He has been awarded two of the highest honors bestowed by RE/MAX International: the Lifetime Achievement Award and the Circle of Legends Award.

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 Duane at duaneduggan@ boulderco.com, call 303.441.5611, or visit boulderco.com.

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MORTGAGE

What buyers should know about 2018 mortgage loan limit increases BOULDER – Home prices across most of the country have been on the rise following the Great Recession.

For many homebuyers, rising costs

BY JENNIFER and low EGBERT supply makes RE/MAX Alliance homeownership a difficult dream to achieve. As a response to the steady increase in asking prices, the Federal Housing Finance Agency has announced an increase in conforming mortgage loan limits in 2018. Here, we cover the details of this limit increase, and how it may affect you.

Why this information is important for buyers If you’re planning to purchase a home in 2018, it’s important to have an understanding of loan limits for the counties that you’re considering. Many first-time

King County and the surrounding areas have seen the most substantial increases – $74,750, to be exact. For a closer examination of the changes, take a look at the information below:

he Federal Housing Finance Agency has announced an increase in conforming mortgage loan limits. (Photo: Unsplash)

homebuyers prefer to seek out conforming loans, which used to be capped at an average of $424,100. Since most homes have appreciated at a rate of 6.5% in 2017, the FHFA has recognized the need for a bump in conforming loan amounts.

Effective as of January 1, buyers can expect a loan limit increase of approximately $29,000. Keep in mind that the new loan amounts aren’t the same in every county, and areas that are in extremely high demand will benefit from a larger limit ceiling. For example,

• 3,011 counties can expect to see their loan limits increased.

• For many areas, the conforming loan limit has increased to $453,100.

• The new maximum conforming loan limit is set at $679,650 for counties with high costs of living.

What does this mean for Boulder County?

If you’re hoping to purchase a home in the Boulder area, keep in mind that the new conforming loan limit has been increased to $578,450 in 2018. The previous limit was $529,000, so this increase could prove helpful to buyers. Since the Boulder area is such a coveted place to live, many buyers have needed to seek out jumbo loans. Although the median

home price in Boulder hovers around $885,000, buyers hoping to stay below $578,450 are in luck, as they’ll no longer need to apply for a jumbo loan. This has the potential to make quite a difference in the required down payment amount, since jumbo loans tend to require larger down payments.

2018 is predicted to be another strong year for the housing market. The economy is booming, and unemployment rates are down. As millennials continue to break into homeownership, the new conforming loan limit increases will be a positive change for most buyers.

Jennifer Egbert is a Realtor at RE/MAX Alliance Downtown in Boulder and specializes in Luxury neighborhoods, home builders and current market conditions. To learn more about the Boulder real estate market, visit jenniferegbert.com, e-mail jennifer@jenniferegbert.com or call 303.619.3373.

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THE MORTGAGE PROFESSOR

How to buy a house before selling the one in which you live A homeowner who wants to exchange the house in which they live for another one that better meets their current needs and capacities can

BY JACK save much grief GUTTENTAG and expense by The Mortgage buying the new Professor house before selling the old one. Buying the new house first means having to move only once instead of twice. The downside is that financing a house purchase when you already own a home is more difficult. Coping with these difficulties is the subject of this article.

When a homeowner applies for a mortgage to purchase another house, since the borrower can permanently occupy only one house, the practice is to view the purchased house as the borrower’s residence, leaving the existing house as an investment property.

Investment loans are riskier than loans secured by a permanent residence.

Since the applicant for a new purchase loan is viewed as having a risky investment property, the payment reserve requirement – the number of months of monthly payments the borrower must have in the bank at closing – is higher.

Further, the expense-to-income ratio used to assess the borrower’s ability to make future payments will include the payment on the existing mortgage as well as the payment on a new mortgage.

For these reasons, the purchaser may find it difficult to qualify for a loan from a traditional mortgage

the house, and if the house is not yet listed, you can probably get a home equity line of credit or HELOC. With a HELOC, you can draw the amount you need to close on the new house, subject to a maximum draw.

If your old house is listed for sale, however, a HELOC may not be available. Lenders are not much interested in a deal that will last only a few months. If they go ahead on a home that is listed for sale, there likely will be a cancellation charge, and you may have to pay closing costs that they ordinarily waive to attract new customers.

The aftermath of the financial crisis included large numbers of foreclosed homes placed on the market, most of which required work to be habitable. In response, large numbers of people went into the business of buying these houses, fixing them up and reselling at a profit. They are called “house flippers,” and a wave of new lenders arose to finance them.

Homeowners looking to buy before selling, and who are shut out of all the sources discussed above, can try a house flipper lender. They would not be interested in the permanent loan on the new house, but they might be willing to finance the purchase subject to repayment when the existing home is sold. The price will be high, but that matters little when the period is short.

Jack Guttentag is professor emeritus of finance at the Wharton School of the University of Pennsylvania. Comments and questions can be left at mtgprofessor.com.

A homeowner who wants to exchange the house in which they live for another one that better meets their current needs and capacities can save much grief and expense by buying the new house before selling the old one. (Photo: Shutterstock).

lender, which raises questions about other potential sources.

If the borrower has a 401(k) retirement account and her employer permits loans against it for the purpose of buying a house, which most do, this is a low-cost and usually a low-risk way to finance the home purchase before selling the existing house. It avoids collateral and affordability issues because no lender is involved – the borrower is lending to herself.

The cost of borrowing against a 401(k) account is the earnings foregone on the amount borrowed, which is no longer earning a return. The risk is that if the borrower loses their job, or changes employers, they must pay back the loan in full within a short period, often 60 days. If they don’t, it is treated as a withdrawal and subjected to taxes and penalties. While 401(k) accounts can usually be rolled over into 401(k) accounts at a new employer, or into an IRA, without triggering tax payments or penalties, loans from a 401(k) cannot be rolled over.

If you have a binding contract of sale on the old house, and

a bank with which you have a history, a bridge loan is the way to go. A bridge loan is used to provide funds needed for a short period until another source of funds becomes available. In the home loan market, a bridge loan, sometimes called a “swing” loan, allows a home buyer to close on the new home purchase before closing on the old home sale.

I used an unsecured bridge loan on my last purchase, and it was relatively simple and hassle-free.

While the rate may be high, the interest payment won’t amount to much because the period covered by the loan is short.

Banks aren’t crazy about bridge loans because they realize they are one-shot affairs and they are unlikely to see the borrower again unless the borrower is already a customer. For this reason, you should go to the institution where you currently hold your household deposit and declare (in a polite way) that, as a customer, you expect this service.

If you don’t have a binding contract of sale, you can’t get an unsecured bridge loan. However, if you have significant equity in

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REAL ESTATE

Prepare your home to help clinch a smooth, quick sale

By Pat Setter The San Diego Union-Tribune So you’ve found your dream home. You’re ready to downsize or expand into a larger home and the only thing that’s keeping you from closing the deal is selling your current home.

Proper staging is one of the most important steps you can take to make a quick sale at the maximum price.

“Statistics repeatedly show that staged homes sell faster and for more money than homes without staging,” said Kyley Christy, an agent with Andrew Arroyo Real Estate in California.

According to the 2017 study, 29 percent of sellers’ agents said staging increases the selling price from one to five percent, while 21 percent of those surveyed said the increase is between six and ten percent. More than a third of the respondents also said that staging greatly reduces the amount of time a home is on the market.

Staging your home means transforming it into a space buyers can relate to and see themselves living in. To do that, you’ll need to get rid of the clutter.

If the bathroom counter is covered with an array of makeup and toiletries and the kitchen counter is home to the coffee maker and microwave, it sends a message that the house doesn’t have enough space for everything.

It also detracts from architectural features. You will also need to get rid of the family photos.

Displaying a picture of your favorite aunt in her muumuu will not make potential buyers feel like it could be their home.

And because homes also need to look their best in photos and videos for today’s Internet marketing, more and more sellers are turning to professional stagers to set the right tone for their home.

“If a seller is reluctant to stage, I ask them to consider the next step should they list their home without staging and fail to receive an offer in a timely manner,” Christy said. “If not prepared properly upfront, sellers won’t know if the issue is the price or if the home just doesn’t show well.

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If you're staging your home for sale, make sure you have no family photos hanging. You want buyers to see themselves living there.

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highest traffic/exposure window.

“Buyers can see how many days you’ve been on the market, and they wonder what’s wrong with the home. It’s so much better to take the time _ and a little bit of money up front, if necessary _ to stage the home for success, blast out a huge marketing campaign to show off the results and wait for the offers to roll in.”

Most homes can be staged for about $2,500 to $3,000, according to Christy. That’s less than the first price reduction homeowners will consider if their house is still on the market after 30 days.

Sellers should concentrate on staging only the public rooms and the master bedroom. According to the NAR survey, buyers’ agents believed the living room was the most important room to be staged.

That was followed by the master bedroom and the kitchen.

Of course, it’s also necessary to give the home a deep cleaning and to make minor repairs, such as replacing corroded faucet rings in the bathrooms, filling in the chipped grout on the kitchen tile and painting dingy walls. After that, often all that’s needed for a fresh look is a new furniture arrangement and a few key accessories.

“I can’t tell you how many sellers joke that they are rethinking the sale after seeing the finished product, because it looks like the model home they always dreamed it could be,” Christy said.

10269 Deerfield Street

4415 Laguna Place #101

Boulder

Open Sun. 1-3pm $435,000 1188 sq ft close to CU or commute to Denver. www.4415.wkre.com Dennis Culver: 303-618-3366

Firestone 631 Brennan Circle

Erie

Open Sat. 12:30-3pm $535,000 Spectacular ranch. Backs to park with views! www.10269.wkre.com Debbie Haubert: 303-588-2128

Open Sun. 11-3pm $645,792 This Low-Maintenance Quick Move In Home! www.631.wkre.com Jason Pickle: 720-693-0337

9247 N 63rd Street

1412 Centaur Circle

Longmont

Lafayette

New Listing! $1,650,000 Family Farm with panoramic views. 46 Acres! www.9247.wkre.com Barry Remington: 720-373-9297

New Listing! $500,000 Fabulous. 5 br, 3b two car garage corner lot. www.1412.wkre.com Aggie Sobol: 303-885-9806

67 Ward Street

8781 W 79th Ave

Jamestown

New Listing!

Stream side project home. www67.wkre.com Chuck Oppermann: 303-541-1919

1415 Lombardi Street New Listing!

Parks and Trails! www.1415.wkre.com Leslie Koprowski: 303-579-7765

Arvada

$325,000 New Listing! $389,000 Lovely cul de sac ranch home , move in ready! www.8781.wkre.com Meredith Mitchell: 303-919-4423

Erie

6357 Red Hill Road

$435,000 New Listing!

Grand Views from this fixer-upper. www.6357.wkre.com Chuck Oppermann: 303-541-1919

Boulder $680,000

SEARCH THE ENTIRE INVENTORY OF LISTINGS IN OUR MARKETPLACE Check out our free WKRE Mobile App availabe in the Apple App store and The Google Play store.

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Begin Your New Home Search Today at TollBrothers.com/AtHome CELEBRATING 50 YEARS | EST. 1967 | AN ACCLAIMED PAST. A BRIGHT FUTURE. Open Every Day 10 am–6 pm. Brokers welcome. Homes available nationwide. Prices subject to change without notice. Photos are images only and should not be relied upon to confirm applicable features. *Offer, if any, is valid for new buyers who purchase a home in a participating community in Colorado and deposit between 1/27/18 and 2/19/18, sign an agreement of sale, and close on the home. Offers, incentives, and seller contributions, if any, vary by community and are subject to certain terms, conditions, and restrictions. Not all communities, not all home sites, and not all options and upgrades are included in the National Sales Event so see the Sales team in your desired community for availability and specific details. National Sales Event incentives do not apply to quick delivery homes. Toll Brothers reserves the right to change or withdraw any offer at any time. Not valid with any other offer. See sales representative for details. This is not an offering where prohibited by law.

10

AT HOME COLORADO

DAILY CAMERA / TIMES-CALL

REAL ESTATE

How to buy a house when you have student loan debt

By Robin Saks Frankel Bankrate.com You went to college, maybe even graduate school, and got a job.

You’ve been steadily employed since then and are bringing home a decent paycheck.

A generation or two ago, the next step would likely have been to settle down and buy your first home.

But now? That path may not be a sure thing. According to a 2017 survey from the National Association of Realtors (NAR), 80 percent of millennials don’t own a home.

“Of those who don’t own a home, 83 percent of those say that student loan debt is holding them back from purchasing a home,” says Jessica Lautz, managing director of survey research and communications for NAR and a co-author of the study.

Part of the issue is that student loan debt will count against your debt-to-income ratio, which is the percentage of monthly income spent on debts like mortgages, credit cards, student loans or auto loans.

A high debt load relative to your income can make you less appealing to a lender and, in turn,

ASK THE EXPERT

loans, you may want to explore an income-driven repayment plan.

With this option, your monthly payments can be reduced to a percentage of your discretionary income. This can be a huge help for those whose income is swallowed by high loan payments.

Lower monthly student loan payments can help improve that all-important debt-to-income ratio.

In April 2017, Fannie Mae introduced three new policies aimed at helping homeownership become more attainable for those with student debt.

The policies are: • Student Loan CashOut Refinance: Offers homeowners the flexibility to pay off high-interest student debt while potentially refinancing to a lower mortgage rate.

• Debt Paid by Others: Excludes from the borrower’s debt-to-income ratio nonmortgage debt, such as credit cards, auto loans and student loans, paid by someone else.

• Student Debt Payment Calculation: Allows lenders to

accept student loan payment information on credit reports, making it more likely for borrowers with student loan debt to qualify for a mortgage.

Other options If the government options don’t fit your needs, look to refinance your student loan through a private lender. You might find a better rate than what you’re currently paying.

Or, turn to a mortgage lender that considers non-traditional payment sources when calculating your overall profile. Some of today’s mortgage lenders will even allow for higher debt-to-income ratios than average depending on the applicant’s circumstances.

NAR’s Lautz also suggests a pragmatic approach for those with student loans looking to boost their chances at homeownership.

“Sometimes they’re delayed in purchasing that home as it may take a little more time to save.

Or they sometimes have to make compromises on the location or look at a home that could be a fixer-upper,” Lautz says.

Visit Bankrate online at www.bankrate.com.

GFCI requirements

BOULDER – One of the most common issues found during home inspection is missing GFCI receptacles or circuits.

GFCI units

BY RICK are electrical JACQUEMARD outlets Flatirons Home equipped Inspections with a ground fault sensor and a circuit breaker which senses a ground fault and is programmed to turn off the electric power to the electrical receptacle when danger is sensed.

They should be found in all areas where a water source is present such as those located in kitchens, wet bars, bathrooms and garages, as well as in unfinished basements, basement crawl spaces, laundry room, mud rooms and on the exterior of a home. Receptacles FEBRUARY 9-10, 2018

less likely to get approved for a mortgage loan.

You can still get a mortgage If you’re mired in student debt, that doesn’t mean you can’t get a mortgage. You just have to be aware of your options.

Improving your financial profile is one key step to getting there.

“One of the big things you can do is pay off some other debts,” says Dave Mele, president of Homes.com.

Paying down that high-interest credit card balance, for example, is a great place to start, Mele says.

Or, if you don’t have the cash to pay down a big chunk of your debt, consider refinancing your other loans to reduce the amount you have to pay every month.

“It’s important for wouldbe homeowners to remember that we look at your monthly debt commitments, not the total amount of debt outstanding, so if you can reduce the monthly amount you have to pay to cover your debt commitments through refinancing your loans or paying off a credit card or two, this can help,” says John Moffatt, head of loan originations at Better Mortgage.

Consider government help If you have federal student

for disposals and dishwashers have been more recently added to the list.

There are a few exceptions to these GFCI requirements. GFCI protection is not required for receptacles that are not readily accessible or are located on a dedicated branch circuit and identified for a specific cord-andplug-connected appliance, such as a sump pump, a refrigerator/ freezer or a ceiling mounted garage door opener. On the exterior GFCI protection is not required for fixed electric snow melting or de-icing equipment receptacles that are not readily accessible and are supplied by a dedicated branch circuit.

GFCI units are easy to identify, they are equipped with test and reset buttons. When the test button is depressed, electric power to the receptacle is turned off; depressing the reset button restores electric power to the

receptacle. It is good practice to test your GFCI units on a monthly basis to be sure that they are functioning properly. GFCI units that have not been tested on a scheduled basis may not reset after being tested and therefore, need to be replaced. Replacing or installing new GFCI receptacles in not a difficult or expensive process.

Some GFCI units may be located in the electric service panel; these units serve the same function as units located in the receptacles and should be similarly tested. One of these GFCI units in the service panel may serve all bathroom receptacles or other common locations. If, for instance, a bathroom has a non-GFCI receptacle, your inspector should be able to tell you if it is on a GFCI circuit.

Multiple receptacles may also be protected by a single GFCI receptacle. If, for instance a

kitchen GFCI receptacle is the first in line from the main breaker box, any receptacles down line are also protected. This would also be true for multiple bathroom or exterior receptacles. There is an easy way to determine if other receptacles are protected by another GFCI: push the test button on the GFCI; any other receptacles that lose power when this is done are also protected.

For more information on home inspections contact Rick Jacquemard, at 720.280.3544, e-mail rick@flatironshi.com or visit flatironshi.com.

ATHOMECOLORADO.COM

11

COVERPROFILE

Fresh architecture, an open floor plan and high-end finishes in the Falcon at North End.

Homes to fit your lifestyle

By Rebecca Lee Photography by Markel Homes

L

ocation is the golden word in the vocabulary of home buying. Where we live influences how we live. In Boulder County, access to walking paths and bike trails is a must. Buyers value mountain, foothills and open space views for their calming effect on the mind and body. Exercise enthusiasts look for proximity to a gym, rec center or yoga studio, and coffee drinkers appreciate a local coffee shop just minutes from home.

As Colorado residents and home builders for decades, the folks at Markel Homes put location front and center when creating communities that people love. New homes are currently available in two Markel Homes communities in Boulder County. Each offers its own brand of the enviable Colorado lifestyle and all-important location amenities.

The stylish Columbine at North End features a main-floor master suite.

12

AT HOME COLORADO

Contemporary two-story homes in Louisville Drive through the Block 10 neighborhood at North End to get a feel for the flurry of activity in this popular Louisville community. Two single-family Falcon homes on Snowberry Lane are move-in ready, with another four coming on this spring. Pricing starts at $759,900.

The bright and open main floor, modern finishes, and ease of living in a well-designed, beautifully styled home make these 3-bed/2.5bath Falcons particularly appealing.

The artfully-designed Columbine plan is nearly complete on Block 18. The open living, dining and kitchen as well as the master suite and laundry are on the main level, with 2 additional beds, another bath and an open loft upstairs. A full basement and a 3-car garage allow space for everything. Priced at $859,900, this home will be complete this spring. Only a handful of homes remain in Block 18. These

larger home sites – some with mountain and lake views – are available for home buyers who want to engage with the building process from the ground up.

Easy living options at North End

The six-plex of town homes located on Hecla Way has just been completed. Three town homes are still available, all interior units with master and mini-master suites. The town home floor plan features something new from Markel Homes – a flex space at street level, with its own entrance, large south-facing window, front courtyard and bath. The space is ideally suited for a home office, studio or guest bedroom. A two-car garage is located behind the flex space.

The kitchen and great room are on the second level, with ample outdoor living on the two large decks. The third floor houses the master and mini-master suites. The town homes are on the market for $624,900. Markel Homes will include the refrigerator and washer/dryer (a $3K+ value) for home buyers who purchase in February. A furnished model at 1459 Hecla Way is available for touring.

Hip, urban 3-story Town Homes with a unique entry-level flex space at North End are move-in ready.

DAILY CAMERA / TIMES-CALL

A 2-story 1/2 duplex at North End with a private front courtyard will be ready in March.

2 bed/2 bath corner-unit condos are coming to North End Block 10 in 2019.

A 3-bed/2.5-bath two-story duplex featuring an open plan and outdoor living will be ready in March. Priced at $639,900 and located at 1352 Snowberry Lane, the contemporary duplex is equipped with skylights, gas fireplace, large windows, and a gas range and breakfast bar. The unfinished lower level accommodates

The ½ Duplex at Prospect New Town features a spacious and open floor plan with dramatic windows.

future expansion as a rec room, fourth bedroom and third full bath.

Ground is breaking now on the first 12-plex of condo lofts in the Block 10 neighborhood. With every unit in a preferred corner location, the 2-bed/2-bath condos are selling quickly. Only four remain, starting at $430,500. Buyers are attracted to the North End location as well as the large windows, one-car garage, secured front entry and elevator access.

Duplex living in Longmont The stylish duplex at 904 Half Measures Drive in Prospect New Town features fabulous living area and master suite windows that face one of several parks in this well-loved, standout community in south Longmont. The duplex features a spacious and open floor

plan, skylights plus windows throughout, and quality finishes. The courtyard and patio between the home and two-car garage add an intimate ambience to the outdoor area. The home is priced at $674,900 and will be ready in March. A furnished model at 848 Half Measures Drive is available for touring.

Visit our sales centers The North End Sales Center is located at 1805 Blue Star Lane, Louisville. Hours are 11 a.m. to 5 p.m. daily (Tuesdays 2 to 5 p.m.).

Contact Sales Manager Michel Steward at 303.604.9196 or send an e-mail to michele@ markelhomes.com. The Markel Homes sales center in Prospect is located at 918 Half Measures Drive, Longmont. Sales Manager Marlita Lazo can be reached by phone at 303. 651.9565 or e-mail to marlita@ markelhomes.com. Visit MarkelHomes.com for floor plans, renderings and photos.

Steve Altermatt Top 100 Most Influential Real Estate Agent in Colorado, 2016 UNDER CONTRACT

UNDER CONTRACT

3131 6th Street

2750 Carnegie Drive

4120 Eutaw Drive

Completely remodeled and expanded 2,604 sq. ft. two story home with four bedrooms, three bathrooms, a detached one-car garage off the alley, with an inviting front porch. Chef’s kitchen features granite counters, professional gas stove, and tons of cabinet space. Master suite with sitting area, walk-in closet, and a new master bath with heated tile floor, huge shower and separate his/her sinks. Cozy front living room with fireplace and spacious family room/dining room with patio doors that open to a flagstone patio and private backyard.

Open, light and sun-filled 1,796 sq. ft. bi-level home with four bedrooms and two full bathrooms located on a very quiet neighborhood street in Table Mesa and the coveted Bear Creek Elementary area. Gorgeous chef’s kitchen features white shaker cabinets, granite counters, tile flooring, recessed lighting, and stainless steel appliances. Spacious and open living and dining area with beautiful hardwood floors. Two bedrooms up and two bedrooms down with a remodeled full bath on each level.

Beautiful tri-level home in the outstanding Frasier Meadows neighborhood! Lovingly maintained by the same owner for over twenty years this 1,900 sq. ft. home with three bedrooms, two bathrooms, and an attached two car garage is located on a nicely landscaped .28 acre lot. Generous main floor living room with big picture windows and vaulted ceilings, Master bedroom features recently updated private 3/4 bath and “California” closet. Walkable neighborhood close to grocery, parks, trails, and restaurants.

$1,575,000

$899,500

$750,000 Steve Altermatt, CRS

South Boulder’s #1 Realtor for over 25 years!

303-441-5669 www.SteveAltermatt.com steve@stevealtermatt.com

FEBRUARY 9-10, 2018

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LAWN AND GARDEN

Chocolate is a Valentine’s best friend LONGMONT – Diamonds and flowers are nice, wine and sweet words can woo, but if you’re intent on showing your special someone the depth of

BY CAROL your love, gift O’MEARA them a gift Colorado State worthy of gods. University Extension This Valentine’s Day, celebrate your passion with the plant that’s been revered for over 5,000 years: chocolate.

Theobroma cacao, the cacao plant, dates back to Mesoamerica where it was cultivated by Aztec, Mayan, and Olmec peoples.

Native to central and South America the tree sports tiny, ricesized blossoms on its trunk and main branches that attract a tiny midge for pollination. And though the plant does its best to entice the gnat-sized pollinator, only three out of a thousand flowers gets lucky.

These fertilized flowers produce large fruits, called pods, which contain the coveted cacao seeds.

Fruit and flowers are born throughout the year making harvest an ongoing event, with two or more heavier ‘flushes’ of pods. Waiting to collect the seeds is a labor of patience, not a flash in the pan: from flower to ripe fruit takes six months.

The cleaned, roasted seeds are the source of the tasty treat, which was first cultivated as a drink or pulverized and used in gruel and other dry goods. So cherished by the ancient Mesoamerican cultures that cacao was considered a drink of the gods and used as currency.

Cocoa pod on a dark wooden table. (Photo: Shutterstock)

The bitter flavor was not appreciated by the Europeans who first explored the region; rather, it was its use as money that captured their attention. Seizing containers carrying the seeds, they brought them back to Europe where they were at first ignored, then prized once sugar was added instead of chili pepper. With this it became a popular drink.

At first only nobles enjoyed chocolate, but with an increase in production, soon most people had access to the frothy beverage.

In 1828 a revolution in chocolate making occurred when Conrad J. van Houten, a Dutch chocolatier, invented a hydraulic press that squeezed the fat from the bean.

The result was “cake” cocoa that could be powderized. For this, van Houton should be canonized.

This cocoa powder opened up whole new avenues for enjoying chocolate, and in 1849 Englishman Joseph Storrs Fry mixed it with sugar and added the cocoa butter back in to create a solid chocolate candy. For this, Fry also should be elevated to Saint.

Today, retail sales of chocolate were $98.2 billion dollars in 2016 with Switzerland leading per capita consumption at 8.8 kilograms per person per year (the U.S. is ranked 5 at 5.5 kilograms).

This is not to say they lead the world in wooing, because there’s always the per capita consumption

of wine. The top honors for that seem to be Vatican City at 54.26 liters per person, according to Forbes, but it’s probably not for the same purpose. Second to them is the country of Andorra.

But we were talking about chocolate. Considered a stimulant, health food, and aphrodisiac, chocolate has chemical properties researchers have isolated in search of support for those notions.

It contains small amounts of caffeine, theobromine, and phenylethylamine, stimulants that contribute to the boost you feel after eating it. Anandamide is also present, which can produce a fleeting sense of well-being and craving for chocolate. It combines with other substances in cocoa that may delay its breakdown in the body, thus prolonging the feelgood sensation of the chocolate.

Research on that is on-going.

Consider giving chocolate for Valentine’s Day, but don’t stop there; you needn’t be a lover to enjoy it. Like Sandra J. Dykes extolls: “forget love- I’d rather fall in chocolate!” it’s not just for romance.

Colorado State University Extension, together with Boulder County Parks and Open Space, provides unbiased, research-based information about consumer and family issues, horticulture, natural resources, agriculture and 4-H youth development. For more information contact Colorado State University Extension at the Boulder County Fairgrounds, 9595 Nelson Rd., Box B, Longmont, 303.678.6238, e-mail comeara@bouldercounty.org or visit ext.colostate.edu/boulder.

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QUICK GUIDE

OPEN HOUSE

WWW.ATHOMECOLORADO.COM/OPEN-HOUSES BELLEVUE 3054 Suri Trl $1,500,000 Saturday & Sunday 12:00 PM-3:00 PM John Simmons C3 Real Estate Solutions (970) 481-1250

BOULDER 4837 White Rock Cir A $319,000 Sunday 1:00 PM-3:00 PM Digger Braymiller RE/MAX of Boulder (720) 234-6390 4945 Twin Lakes Road Unit 43 $407,000 Saturday 1:00 PM-3:00 PM Dennis & Jann Culver WK Real Estate (303) 618-3366 4415 Laguna Place 101 $435,000 Sunday 1:00 PM-3:00 PM Dennis & Jann Culver WK Real Estate (303) 618-3366 4952 Sundance Square $469,900 Saturday 2:00 PM-4:00 PM Kristen Martin RE/MAX Alliance (303) 478-1883 4952 Sundance Square $469,900 Sunday 11:00 AM-1:00 PM Kristen Martin RE/MAX Alliance (303) 478-1883 1466 Easy Rider Ln $950,000 Sunday 12:00 PM-2:00 PM Dave Naber RE/MAX Alliance On Walnut (303) 875-6933 9236 Gunbarrel Ridge Rd $1,150,000 Sunday 1:00 PM-3:00 PM Carl Worthington RE/MAX Alliance (303) 809-6863 1220 Claremont Dr $1,195,000 Sunday 1:00 PM-4:00 PM Tom Precourt RE/MAX Alliance On Walnut (303) 921-9080

LIST YOUR OPEN HOUSE 16

AT HOME COLORADO

1127 Barberry Court $1,299,000 Saturday 1:00 PM-3:00 PM Brigitte Furst 8z Real Estate (720) 244-4411

1412 Centaur Cir $500,000 Saturday 11:00 AM-2:00 PM Janet Raymer WK Real Estate (303) 523-9859

918 Half Measure Drive $600K’s+ Daily 11:00 AM-5:00 PM Marlita Lazo Markel Homes (303) 522-7928

1020 Portland Place $1,299,000 Sunday 2:00 PM-4:00 PM Chris Ketterhagen Ketterhagen Properties (303) 817-4293

1322 Lander Lane $535,900 Saturday 11:00 AM-1:00 PM Ann Kasunich Equity Colorado Front Range (303) 579-3501

2163 Sand Dollar Cir $699,000 Sunday 1:00 PM-3:00 PM JulieAnn Markiewicz RE/MAX Alliance (303) 995-3914

2130 Hermosa Dr $2,375,000 Saturday 12:00 PM-2:00 PM Zach Zeldner RE/MAX Alliance On Walnut (720) 480-7650 999 8th St $2,950,000 Sunday 3:00 PM-5:00 PM Jay Wright RE/MAX Alliance On Walnut (720) 600-7554

ERIE 631 Brennan Circle $645,792 Sunday 11:00 AM-3:00 PM Jason Pickle WK Real Estate (720) 693-0337

FIRESTONE 10269 Deerfield Street $535,000 Saturday 12:30 PM-3:00 PM Debbie Haubert WK Real Estate (303) 588-2128

LAFAYETTE 206 W. Geneseo Street $339,000 Sunday 2:00 AM-4:00 PM Eric Jacobson RE/MAX of Boulder (303) 441-5619

2400 Bitterroot Cir $1,239,700 Saturday 12:00 PM-3:00 PM Brian MacDonald Coldwell Banker Residential (303) 915-6126

LONGMONT 2201 Calais Dr Unit E $320,000 Sunday 1:00 PM-3:00 PM Laurell Richey RE/MAX Alliance (303) 881-4525 1924 Rice Street $339,900 Saturday 1:00 PM-4:00 PM Lisa Wade RE/MAX of Boulder (303) 489-6241 1522 Moonlight Drive Starting in the mid-$400,000’s Saturday & Sunday 12:00 PM-5:00 PM Stan Meade/Tim Shea Pedal To Properties (303) 817-7777 7279 Nebraska Way $512,000 Sunday 1:00 PM-4:00 PM David Scott Colorado Landmark (303) 588-8358

LOUISVILLE 1805 Blue Star Lane - Model Home $600K’s+ Saturday & Sunday 11:00 AM-5:00 PM Michele Steward Markel Homes (303) 604-9196 1459 Hecla Way $624,900 Sunday 1:00 PM-3:00 PM Michele Steward Markel Homes (303) 604-9196 761 Pear Court $695,000 Sunday 11:00 AM-2:00 PM Kate Barberis Accent Properties (303) 888-2911 904 Pikes Peak Lane $1,015,000 Sunday 11:00 AM-1:00 PM Denise Patryas RE/MAX of Boulder (303) 441-5644

LOVELAND 3 Marmac Drive $334,754 Saturday & Sunday 12:00 PM-3:00 PM Stefanie Erion C3 Real Estate Solutions (970) 415-7598

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8923 Foxfire Street, Firestone $425,000 2-story home built by DR Horton in the Saddleback Golf Course Neighborhood! Open layout features wood floors, granite countertops, stainless appliances and upstairs laundry. All secondary bedrooms have walk-in closets! Model at 8759 Peakview MLS #9344094 Kathy Beck 970-213-8475

Brandi Garifi 720-291-0899

Open House Saturday & Sunday: 12-3pm 3 Marmac Drive, Loveland $334,754 2 Beds • 2 Baths • Total Sq. Ft. 1446 Turnkey Cottage Home! Ride bikes to Downtown & along S. Lake Loveland! Cook in upgraded kitchen, host friends in open dining & living area. Mature trees & gardens! 2 CAR detached garage & Shed!

MLS #841067 Stefanie Erion 970-415-7598 serion@c3-re.com

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7 2 7 9 N e b r a s k a W a y, L o n g m o n t 3 Bedroom, 3 Baths, 1824 Sqft Views! Views! Views! - Magnificent unobstructed views of Longs Peak and Mount Meeker adjacent to Open Space.. Tri-Level on .68 acres is move-in ready or bring your creativity and renovate.

$512,000

David Scott 303-588-8358 • dwscott@coloradolandmark.com www.boulderrealestateinfo.com

Model Home Located at 1522 Moonlight Drive, Longmont Office Hours: Thursday & Friday 12-4pm Model Thursday Open - Sunday and Saturday & Sunday 12-5pm 12PM-4PM

Two-story and ranch plans available Homes Homes starting startingininthe thehigh-$300,000’s mid $400,000’s Call for more information and inventory Stan Meade Tim Shea 303.819.1371 303.817.7777 www.pedaltoproperties.com

OPEN SATURDAY 1 – 4 PM

Saturday 10-4 and Sunday 11-2

LONGMONT | 1924 RICE STREET $339,900

1104 Little Branch Ln, Berthoud Starting at $319,000 • MLS #839053

Re-done top to bottom & ready for your move-in! Great neighborhood in North-Central Longmont....close to dog park, Carr Park & Northridge Elem.

N No carpet - new wood-look laminate throughout & tile floor in baths. New paint inside & out! Completely new kitchen with 42 inch white shaker cabs, SS appliances & slab granite counters - beautiful! New light fixtures throughout & updated 1.5 baths. Master offers a walk-in closet & 2nd BR offers a fantastic view of the Twin Peaks! (839272) Directions: From Diagonal Hwy, take Hover Rd north to 21st St., east to Francis, south to Calkins, west to the corner of Rice.

OPEN SUNDAY 1PM-4PM

Hosted by Lisa Wade 303.489.6241 lisawade@boulderco.com

Move In Today! Blending traditional architecture w/modern farmhouse design, the standard finishes of these NEW townhomes will please the pickiest of buyers. Offering 2 BD/2.5 BA floor plans with a 3rd bedroom option, garages, fenced courtyards, quartz countertops, SS appliances, wood floors, 8 ft doors and expansive windows. Near new TPC golf course, low HOA & easy commute to Longmont/Denver/Boulder.

Directions: 9.5 Mi North of Longmont (N Hwy 287/ left at light on Taft/ Berthoud Parkway,on right @ PrairieStar Neighborood) Beth Bishop 970-692-9600

Blas Estrada 970-324-6177

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17

STYLE AT HOME

Kids room transformation: Annabelle's room

By Mary Carol Garrity Tribune News Service I would love to have grown up as one of the Cook girls, with a mother who is a fearless decorator, who follows her spot-on instincts to create living spaces that are packed with personality. When I saw how Lisa and her middle daughter, Annabelle, reinvented Annabelle’s bedroom, I was agog.

I wanted to pack my bags and move in that day.

When we first featured Annabelle’s room in my book “Feather Your Nest,” she was just 5. Back then, her room was sugar and spice and everything nice. Cupids, flowers and fancy tea sets were the choice of this little princess.

Today, Annabelle is a 16-yearold high school junior, and boy, how her taste has changed. Lisa uses these two words to describe her middle daughter: Creative and smart. Annabelle is the assistant editor of her high school newspaper, and likes marketing and graphic design. Her room needed to be an oasis that fueled her creative engine. I think they

The wall of built-in bookcases hosts the things Annabelle holds dear, from her childhood to today: collections of horse figures and dolls, books, travel mementos and framed snapshots celebrating life’s special moments. (Photo: Bob Greenspan/TNS)

nailed it.

Once the walls were washed in vibrant pink, next up was to give Annabelle a bed more in keeping with her personality.

Her flouncy four poster bed, capped by a crown, gave way to a contemporary bedframe upholstered in pale pink fabric.

The bed alone instantly changed the look of the room, Lisa said.

One thing that’s great about having sisters is you get to share each other’s stuff. For the Cook girls, this extends far beyond borrowing sweaters or earrings.

They swap furniture. This fabulous chair was last seen in

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This fabulous chair was last seen in little sister Georgia’s room.

(Photo: Bob Greenspan/TNS)

little sister Georgia’s room. Lisa gave it a facelift by reupholstering it in this sassy pink and white buffalo check.

Once again, Lisa artfully uses a bookcase to tell the story of the room’s inhabitant. The wall of built-in bookcases hosts the things Annabelle holds dear, from her childhood to today: collections of horse figures and dolls, books, travel mementos and framed snapshots celebrating life’s special moments.

Lisa knows the secret to making a room feel evolved and interesting is to mix together a variety of styles. The chinoiseriestyle mirror adds an exotic touch.

Lisa and I are simpatico when it comes to artwork. Like me, she likes to experiment with art treatments, mixing all kinds of things together. She purposely chose different frame styles and sizes for this gallery on Annabelle’s wall. In other spots in the room, she’s pulled in three dimensional pieces, like the whimsical gilded deer head over Annabelle’s bed.

Once again, Lisa used new lamps to help finish this reimagined space. She knew she was taking a risk when she picked statement lamps with a coral base and apple green shades. I’m so glad she pushed the envelope a bit, because the bold lamps work brilliantly in this high energy room.

This column was adapted from Mary Carol Garrity’s blog atnellhills.com. She can be reached at marycarol@nellhills.com.

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DESIGN RECIPES

All that glitters is gold (accents)

By Cathy Hobbs Tribune News Service

• Experiment with accent pieces of different sizes and shapes.

Gold has long been associated with luxury and glamour. And it’s currently one of the hottest and most utilized finishes in home decor. Gold or brass accents remain more popular than ever and can serve as the perfect complement to your existing decor. When looking for ways to incorporate gold accents into your home, here are some basic design rules to keep in mind.

Do: • Use gold as accents in accessory items such as toss pillows.

• Consider infusing gold or brass accents through your use of artwork, either in the artwork itself or in the frame.

• Consider using gold in a series of similar accent pieces such as a long row of mirrors hung in a space.

• Incorporate small gold accents in smaller surface areas such as nightstands or bookcases.

Don’t: • Overdo it. In many cases, less is more. Use your gold accents purposefully and sparingly.

• Use gold on too many primary or large pieces in a room, as this can overwhelm.

• Miss an opportunity to mix gold with other metallic elements such as silver.

• Forget it’s OK to mix different materials such as lacquer and wood with some of your gold elements.

• Pair gold accents with too many patterns. Solid colors such as black and white can help enhance gold accent pieces.

Cathy Hobbs, based in New York City, is an Emmy Awardwinning television host and a nationally known interior design and home staging expert with offices in New York City, Boston and Washington, D.C. Contact her at info@cathyhobbs.com or visit her website at cathyhobbs.com.

(Above) Gold artwork paired with a gold accent piece helps make this entry area shine.

(Left) A bedside vignette using gold accents is mixed with organic elements such as succulents. (Photos: Design Recipes)

FEATURED AGENT KAREN BERNARDI

The Bernardi Real Estate Group 303-402-6000 karen@bernardigroup.com Broken “egg” ceramic art lined in gold makes a dramatic statement in this living room. (Photo: Design Recipes)

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19

ASK ANGIE'S LIST

Can you install a new roof in winter?

By Paul F. P. Pogue, Angie’s List

Hiring a pro to install your new roof in the off season could save you time and money. (Photo: Dreamstime)

Replacing your roof represents a serious investment of time, commitment and money. So, unless you’re responding to a roofing emergency, the real answer to the question “When is the best time to install a new roof?” is “anytime you’ve planned ahead, thought everything through and know you’re not making a rash

decision.” That said, time of year does play an important role in roofing installation. And you might be surprised what you can accomplish in winter.

How do seasons impact roofing work?

Summer offers ideal roofing weather, but that comes with a price (literally). It’s the busiest time of year for professional roofers, so you may have to wait longer for a reliable contractor.

And prices for both labor and materials may also be higher.

Materials suppliers tend to increase their costs in the spring.

So, if you get ahead of that change, you’ll get better prices than you would have if you’d waited a few more months.

Roofers can do their jobs in the colder weather so long as it’s not raining or snowing. And even the best roofing contractors tend to be less busy in the winter months.

That means you may get a good deal, and be able to begin work sooner, if you hire someone in the wintertime. Just be sure to ask your contractor what measures

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they’ll be taking to prevent slips and falls in potentially icy weather.

Also, ask what steps they’ll take to ensure your materials remain in good condition.

Keep in mind: Sealants apply at different rates in colder temperatures. And your roofing contractor should take that into account. Of course, getting ahead of the unpredictable spring season means you’ll have less concern when it comes to unexpected storms and moisture messing up your roof installation project.

How do you know whether you need to replace your roof?

The most important decisions regarding roof replacement come long before the work is done.

Sometimes, a roofing problem can be solved with spot repairs, while other situations call for a full replacement.

Consider these questions before deciding whether to replace your roof: How old your roof? If your roof is more than 20 years old, a replacement is a good idea.

What is the condition of the

shingles? Curling, buckling and missing shingles are a sign of imminent roof replacement.

Can you see shingle granules in my gutters? Shingles lose more granules near the end of their lifecycle. Inconsistent or darker colors on the roof are another sign that granules are wearing away.

How much will your roof replacement cost?

Roof replacement costs vary quite a bit depending on materials.

You might shell out as little as $5,000 for a basic asphalt roof and as much as $25,000 or more for higher-end materials. For this reason, you should consider your roofing options carefully and avoid rushing into the decision when possible. You’re going to pay a lot of money and have to live with the outcome for decades, so take the time to get it right.

Paul F. P. Pogue is a reporter for Angie’s List, a trusted provider of local consumer reviews and an online marketplace of services from top-rated providers. Visit AngiesList.com.

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HOME

Which ice-melt product is best?

By Newsday (TNS) When your driveway and walkways are covered in ice, you need to move quickly to remove it for safety’s sake. Applying a deicer preventively after clearing walkways is an even better course of action. But which product should you buy?

Although all deicers work on the same principle – decreasing the temperature at which water freezes – all “salts” are not the same.

Determining which deicer is “best” requires more thought than simply figuring out which is most effective at melting ice.

It’s best to stay away from sodium chloride. It’s the cheapest rock salt available, but it’s the worst for your pets, plants and the environment. It has the potential to kill plants and trees, and can corrode cars, crack concrete and asphalt, and poison wildlife. Don’t do it.

Calcium chloride is a better option, and is quite effective in cold temperatures, but be aware that while it’s safer than sodium chloride, it still isn’t ideal. You’ll see

When your driveway and walkways are covered in ice, you need to move quickly to remove it for safety's sake. (Photo: Dreamstime/TNS)

it marketed as “pet safe” because it isn’t as harsh as sodium chloride, but it still can cause irritation to pets’ paws, so be sure to rinse them off and wipe them down if your pet walked over it. And protect your own paws by wearing gloves when handling it.

Potassium chloride – yes, the same potassium chloride that’s a component of all balanced fertilizers (it’s the K in the N-P-K ratio listed on packages) actually can harm or even kill plants when applied at rates high enough to melt ice.

Magnesium chloride works well

in even colder temperatures, down to about 10 degrees below zero.

It dissolves readily to coat ice and melt it quickly, and isn’t as likely to burn pets’ paws. The downside?

It can cost up to twice as much as calcium chloride.

Always apply the least effective amount when using any of the chloride products. Although they do so to varying extents, all of them hold the potential to damage masonry. Applying a waterproofing sealant to driveways and walkways during warmer weather will offer protection from ice-related cracks for several years.

A strange (but unproven as a home remedy) method is actually in use by some municipalities around the country: sugar, beet juice and molasses. When combined with any of the salts – which can be used in lesser quantities than if applied alone – this syrupy concoction is said to make the salt more effective at even lower temperatures. What’s more, it’s sticky, so it adheres the salt to the pavement, eliminating the kick back that dings passing cars. It’s probably not the best option for your driveway, but it’s interesting nonetheless.

Want the greenest option? The one that’s best for pets, plants and groundwater? Stick to plain, nonclumping clay kitty litter or sand. It won’t melt ice, but it will provide some traction to reduce slipping.

Regardless of how you choose to keep ice at bay, it’s imperative that you do so without procrastinating.

I had a bad slip-and-fall in my own driveway last winter and still haven’t fully recovered from a torn ligament, fractured ankle and broken foot. Keep a supply of your chosen product on hand at all times to ensure you can act quickly.

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This newspaper will not knowingly accept any advertising for real estate which is in violation of the law. Our readers are hereby informed that all dwellings advertised in this newspaper are available on an equal opportunity basis. To complain of discrimination, call The Colorado Civil Rights Office at 1-800-262-4845/ HUD at 1-800-669-9777.

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