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Saturday Reporter-Herald September 18, 2010 E1

Real Estate Matters

www.homeandrealtyguide.com • Saturday, September 18, 2010 • Reporter-Herald

No debt isn’t reason enough to buy ILYCE GLINK TRIBUNE MEDIA SERVICES

Q

uestion: I’ve just graduated from graduate school with a degree in computer science. I’ve taken a job in a small town and am wondering whether I should rent or buy my first home. The thing is, I’ve been renting for so long that I really want to own something. The problem is that I’m not sure I’ll stay in this town for all that long. It’s possible that in two to three years, I’ll be transferred elsewhere with this company, or I’ll leave to move to a different company. It’s likely I won’t be in this town for the rest of my life. You should know that I’m debtfree. I don’t have any school loans, car loans or credit card debt. I’m just wondering if I should buy a house because interest rates are so low or if I should rent until I have a better sense of what’s going on with my professional career. What do you think? Answer: First, the fact that you’re debt-free is fantastic, especially considering you’re just out of graduate school. Congratulations, because that is a huge accomplishment. I understand that you’ve been renting for years. And now that you have the security of a full-time job, buying a home seems to make some sense. While it’s great to be able to buy a home, you have to be ready for it financially and emotionally. And, given the current state of the housing market, it would be very difficult to buy something if you don’t know where you’re going to want to live for the next five to seven years. At this stage of your life, you should think first about your career and what it takes to get ahead. If you think it’s likely that you’re going to move in the next two to three years, I can’t really recommend that you buy a house. Even if housing prices don’t decline further (as many economists believe they will), the cost of selling a property can be as much as 10 percent of the sales price. To break even, your home would have to appreciate 5 to 10 percent over the next couple of years, and I think that’s unlikely. It could happen, but it’s more likely that you’d have to move, which presents the probability that you would not recover all of the money you put into the purchase. The only way buying could work is to buy a house that’s really inexpensive (but still in a good neighborhood) and then fix it up. Even so, this isn’t as easy as it sounds and it

RE/MAX Alliance gets you online RH PAID ADVERTORIAL

W

hen you finally make that big decision to purchase either your first or your next home, where is the first place you begin your home search? If you’re one of many typical homebuyers, you’re going to start by looking online. Statistics compiled from the National Association of Realtors (NAR) 2009 Profile of Home Buyers & Sellers prove online marketing is one of the most crucial and effective ways to market your home. Each year, the NAR compiles detailed data, looking at what drives buyers and sellers in the marketplace. Last year’s findings reported that almost one-third of all buyers started their search by using the internet. Of this percentage, almost half of them were under the age of 44. Additionally, 9 out of 10 buyers last year reported using the internet at some point in their home search. The NAR’s 2009 Profile also found that internet users were able to search three times as many homes as those who did not utilize the internet in their search. The report also revealed that buyers who used the internet in their searches were also more likely to find other relevant resources important, such as yard signs, open houses, and engaging the expertise of a real estate agent. David Powell, managing broker

at RE/MAX Alliance in Loveland, said he feels like these are some very powerful statistics. “We’re definitely in a technology age where every other industry is online, so that is where real estate has to go, as well. With the large presence of the first-time home buyers that we’ve seen recently, this number is all that more important,” Powell said. Powell is referring to the other statistic compiled from the NAR’s 2009 profile, which is that first-time homebuyers made up 47 percent of all home buyers in 2009 — a figure which rose significantly from 2008. Powell adds that many of these first-time homebuyers are very technologically-adept, and having an online presence is a key factor for any real estate agent. “One of the things RE/MAX Alliance has been working on improving this past year is our web presence. Our website, www.homesincolorado.com underwent a drastic make-over to enable more user-friendly features — such as our home searching capabilities, online resources, and even mortgage information.” The regional RE/MAX Alliance website, www.homesincolorado .com is indeed proving its worth among the online community. Statistics from June 2010 revealed that www.homesin colorado.com outranks many other local real estate company websites in average weekly visitors, as well as average page

www.homesincolorado.com offers interior and exterior photos of each property and online scheduling for showings. views. Powell said he believes the high number of average page views is likely to be attributed to the website’s renovations of earlier this year. “This number shows us that people aren’t just going to our website, clicking on one link and then leaving,” he said. “It shows that people are actually using our website to really search for information, which is the main purpose of its existence.” The other component to RE/MAX Alliance’s online technology strategy is the many other sites that their homes are listed with. “When a homeowner lists their property with RE/MAX Alliance, he or she is getting their home posted on literally hundreds of other popular home search websites, giving their home the maxi-

mum amount of global exposure,” Powell said. These web sites include Trulia.com, Homefinder.com, Zillow.com, Homes.com, Yahoo.com, Google.com, Front door.com, and Overstock.com. Powell adds that some of these sites require a paid subscription by the listing agent, in order for that home to be featured on the site. Yet, every home listed by RE/MAX Alliance automatically is included on these subscriptiononly sites. “You really can’t stress enough how important it is to not only have a strong website for your company, but also to expose your company’s inventory in every avenue possible,” Powell said. That is a key component in the RE/MAX philosophy, Powell adds. “It’s all about providing the maximum service to our clients.”

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Inside this week’s Home & Real Estate

Real Estate Transactions Listings from Front Range properties recently sold

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Realtor of the Week

Carol O’Meara

David Ferrey, Associate Broker/Realtor, Velocity Real Estate Investments, Inc.

Burnt trees from wildfire will begin falling immediately

Director y

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Saturday Reporter-Herald September 18, 2010 E2

H&RE Property of the Week

H&RE Realtor of the Week

227 Johnson Dr., Loveland

Meet

Price: $262,500 MLS#: 638800 Square feet: 2,509 Bedrooms: 4 Bathrooms: 3.5 Contact: Julie Stinson of RE/MAX Alliance, at 970-6221809 or 970-679-8590

Devin Ferrey ASSOCIATE BROKER/REALTOR, VELOCITY REAL ESTATE & INVESTMENTS, INC. Location: 4196 La Junta Dr, Loveland Contact: 970-691-1234, dferrey@velocityrei.com or www.velocityrei.com

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rand new listing! Located in southwest Loveland, this lovely twostory home features four bedrooms, threeand-a-half baths, a gas log fireplace, a fivepiece master bedroom bath and walk-in closet, central air, master bedroom deck to view the mountains, a full finished basement and an attached three-car garage. Call today for a showing appointment!

Designations, Affiliations & Accolades: Bachelors in business administration (real estate focus) from Colorado State University. Member Loveland/Berthoud Association of Realtors, Colorado Association of Realtors and National Association of Realtors. Member of Colorado State University Real Estate Club 2008-09. Years Experience: Two

A

s a realtor based in the Fort Collins/Loveland area, Devin Ferrey is passionate about every aspect of real estate and enjoys sharing that passion with his customers. Growing up in Fort Collins, Ferrey has been involved in real estate and real estate investments from a young age and has enjoyed watching the area change and grow. After graduating from Colorado State University in 2009, Ferrey has enjoyed bringing his enthusiasm and ideas to his real estate career. Working with buyers, sellers, investors and first time purchasers, Ferrey enjoys providing an exceptional level of service and assuring that his clients are more than satisfied from start to finish. Ferrey became involved in some family real estate transactions as early as 16 years old when he was still attending Fort Collins High School. From the beginning, he had a unique passion for real estate and truly enjoyed what the industry had to offer. Investing personally in local real estate has kept Ferrey keenly in touch with market trends and market conditions. He enjoys passing along his experience and ideas to his clients. Ferrey enjoys working with real estate investors and residential buyers and sellers.

Regional Snapshot for Loveland/Berthoud Residential June 2010

July 2010

Active Listings Previous Year Active Listings

1101 1095

1092 1086

1054 1074

Sold Listings

169

111

102

$234,000 $207,500

$238,000 $208,000

$192,000 $222,500

Average Days on the Market Previous Year ADOM

132 121

130 125

113 125

Year to Date Listings Sold Previous Year YTD Listing Sold

728 579

839 760

941 887

Monthly Volume Previous Year Monthly Volume

$47,395,158 $34,313,560

$32,486,983 $44,166,425

$25,128,272 $32,956,535

Home & Real Estate is produced every Saturday by the Loveland Daily Reporter-Herald. EDITORIAL INFORMATION 635-3656

Mortgage rate update

5/1 ARM

This week Last week Trend

4.52%

4.36%

3.89%

3.85%

3.38%

3.38%

No change

DISPLAY ADVERTISING 669-5050

Quick and easy home insurance quotes! Superior protection, Personal service. Stacia A. Fuller Agency 10th & Lincoln, Loveland

CLASSIFIED ADVERTISING 635-3650 38-311508

1

E

4-Car garage, 3 bedrooms, 2 baths including 5 piece master, A/C, full unfinished basement. $259,350

25

OPEN SAT & SUN 12-5 Available Homes:

2

• 4 BR, 3 BA, 2 car - $190,565* • 3 BR, 3 BA, 2L carD - $198,156* SO • 3 BR, 5 pc bath, 3 car, 3400 SF - $279,685 • 3 BR, 2 BA, 2 car - $294, 764 4496 Hayler Avenue, Loveland 4403 Elliot Place, Loveland

38-317802

3

287

E 37th St.

3

US 287

56

NEW NORTHERN COLORADO HOMES

2

970-532-5900

(*w/ qualifying special financing)

E 29th St.

$

Phase 1 Closeout Special

8,000 Buyer Credit Homes priced from the $140’s - $220’s

Models Open Daily 10am-6pm

Seven Lakes Dr.

OPEN HOUSE SAT. & SUN. 1PM-4PM New Homes Priced in the Mid 200’s in Desirable Seven Lakes Area 5 Piece Master Baths, Walk-in Closets, Air Conditioning, 3 Car Garages, Unfinished Basement, Lake Rights 4 Ranch Plans and a 2 Story with Main Floor Master to choose from

D.E. BURNS CONSTRUCTION Quality • Integrity • Experience • Reputation

HWY 34 E 11TH ST

970-456-4600

38-317666

S

STARTING IN THE $140’S*

BOISE AVE

W

Enchantment Ridge

DENVER AVE

N

1

sfuller@amfam.com 593-5620

1/4 mi. So. of Hwy 34 on Boise Ave. - 1899 East 11th Street

www.lovelandmidtownhomes.com

970.669.8386

39-317636

For home and real estate advice, features and 30-year fixed information, visit www.homeandrealtyguide.com 15-year fixed

N. Madison Av.

Median Sales Price Previous Year Median

August 2010


Saturday Reporter-Herald September 18, 2010 E3

the Loveland Newspaper 130 years and going strong!

H&RE Real Estate Briefs THIRD ANNUAL ‘BRINGING DOWN THE HOUSE’ TO BENEFIT TWO LOCAL CHARITIES

38-311506

The third annual ‘Bringing Down the House’ event will be held Thursday, September 30, from 5:30 to 9 p.m. at the new Beach House Grill in downtown Fort Collins at 125 S. College. Two local charities, Neighbor to Neighbor and Restoration Now will benefit from the fundraiser. Last year, the event raised $14,000 and had over 200 attendants. There are numerous ways people can get involved, such as donating for the live and silent auctions, corporate sponsorships including Sand Castle at $100, Beach Shack at $250, Tiki Hut at $350 and Cabana Casa at $500, or purchasing $25 tickets and attending, and/or purchasing $20 raffle tickets to win a trip to St. Croix at an upscale beach front condo plus a $1,000 travel voucher. The tickets cost $25 and the event includes food, select, beverages, music, a silent auction and prizes. For information on how to participate in ‘Bringing Down the House,’ please contact Charity Vermeer Cornelison at 970481.2064

PRICE REDUCED

750 75 50 5 0W W.. E Eisenh Eis Ei Eise Eisenhower enh

Gerrie Chapman 690-1265

1016 Elbert, Loveland

669-1234

view more properties at:

Motivated seller will look at all offers! Huge lot is .47 acre, 3 bedroom, 2 bath, with 2 car oversized garage. 1852 sq ft with large family room with fireplace. MLS #615226 $185,000

www.HomesInColorado.com

RESIDENTS CAN CHECK OUT WATT READERS FROM THE LIBRARY TO MEASURE WATT USAGE AT HOME Residents can now check out watt readers from the Loveland Public Library to measure watts of electricity used by their home appliances. The program is a collaborative effort between the library and the Department of Water and Power to help residents understand how they can save energy and money. The library currently has five Watt Reader Kits available for customer use. These devices measure with an accuracy of +/-0.2 percent how much electricity a specific appliance or electronic device uses. With that information, customers can decide whether or not they should upgrade to a more efficient appliance with an Energy Star rating. Customers can also learn how much it costs to leave appliances and electronic devices on when they are not in use such as computers, printers and modems. The kit will determine how much phantom electricity — electricity that is drawn from appliances that are turned off, but still plugged in — consume. The watt reader solution kit includes a Kill-A-Watt power meter with instructions and an Energy Guide booklet to help customers further explore their energy usage. Using the booklet, customers can calculate the actual and projected cost of the electricity and find helpful tips to further reduce energy consumption. For more information on the Watt Reader Kits or how to save energy in your home, call Loveland Water & Power, 9623000.

Randy Ewan 481-5102

OPEN SATURDAY 1-4

PRICE REDUCED

Gerrie Chapman 690-1265

3104 N. Logan Ave., Loveland

431 Grant Ave., Loveland

Large tri-level - 2,307 sq. ft, 3 bedrooms, 4 baths, very clean, bright & open. Excellent location, quiet neighborhood, great yard, A/C, sprinkler system, fireplace, & Blue Ribbon Home Warranty. Hosted by Ruth Wheeler, 231-8420. MLS #635141 $198,500

All brick ranch located in Old Town Loveland. Original & beautiful hardwood floors throughout, main floor master, built in hutch, bookshelves, gas fireplace, large rooms. MLS #635498 $300,000

Julie Stinson 679-8590

Julie Stinson 622-1809

2165 Westbourne Dr., Loveland

2540 Mary Beth Drive, Loveland

Close to hospital, bike trail, Boyd Lake and shopping. Ranch with vaulted ceilings, kitchen island, fireplace, central air, finished basement and a nicely landscaped yard. MLS #636465 $179,900

SW Loveland “Santa Fe” model, 3 beds, 2.5 baths, master with a 5 piece bath, plant ledges, central air, gas fp, full unfinished basement, deck, sprinkler system all at a great price! MLS #618313 $218,500

COLORADO STATE UNIVERSITY EVERITT REAL ESTATE CENTER HOSTS REAL ESTATE CONFERENCE, 'REALITY CHECK 2011,' SEPT. 23 The Colorado State University Everitt Real Estate Center (CSU EREC) will host the 14th Annual Northern Colorado Real Estate Conference, “Reality Check 2011,” from 9 a.m.–12:30 p.m. Sept. 23 at the Fort Collins Hilton. Participants will have the opportunity to gain access to unbiased data, fresh research and practical insights about Northern Colorado’s commercial real estate market. The conference is open to the public and qualifies for three hours of Continuing Education credit. For a full schedule of events and to register for the Everitt Real Estate Center’s Reality Check 2011, go to www.realestate.colostate.edu. Member rate is $32, nonmembers $64 and corporate tables are $320. Steven Laposa, director of the Everitt Real Estate Center, will present “Are You Poised for the Next 20 Years?” Laposa will discuss the results from a recent CSU EREC study that identified cities in 1980 and 1990 that were similar to Fort Collins-Loveland in 2010 and analyze how they grew or declined over the last 20 years and why. Attendees will experience an interactive and applied discussion on Northern Colorado’s 20-year forecast scenarios and alternative growth paths for the business and real estate community. A panel of key players will continue the dialogue and provide more insight regarding the path of the next two decades. Following the 20-year research study findings, residential and commercial real estate breakout sessions will be held. Sessions include: • “Do you really understand neighborhood housing price indices and trends?” Sriram Villupuram and John Gerhard of CSU’s Everitt Real Estate Center will discuss the different house price indices and how they can be used for practical, daily business. • “An Entrepreneurial View on the Market.” Eric Holsapple, co-founder of Loveland Commercial, will discuss current economics, rents, costs and possible opportunities as well as results of the annual Northern Colorado commercial real estate market survey. A. Simon Montagu, Customer Resource Support Division Director of the Denver Regional Council of Governments, will be the keynote speaker of the conference. Montagu’s presentation, “The Role of Regionalism and Economic Growth,” will discuss what can be learned from the Denver Regional Council of Governments. He will share strategies for regional growth, transportation, water, sustainability and quality of life. The presentation will begin at 11:45 a.m. For more information about CSU’s Everitt Real Estate Center’s Reality Check 2011, contact Anne Spry at 970-491-5522 or visit the web at www.realestate.colostate.edu or the Facebook page at Everitt Real Estate Center. Founded in 2000, the Everitt Real Estate Center was established to produce and disseminate knowledge and to provide applied research solutions that address current and future real estate-related needs of Northern Colorado, the Front Range of Colorado and the West. The center also aims to equip Colorado State University students, center members and the community-at-large with real estate educational programs that supplement standard academic and industry training initiatives.

Julie Stinson 622-1809

Julie Stinson 622-1809

OPEN SUNDAY 12-2

2103 Arron Drive, Loveland

3070 Tabernash, Loveland

HUGE LOT!!! Derby Hill ranch with a full finished basement. Needs some updating, but has tons of potential! Hot tub, potting shed, oversized two car garage, mature landscaping, enclosed porch, craft room and much more! MLS #628848 $198,000

Immaculate townhome featuring 2 bedrooms, 2.5 baths, loft, fireplace, 5 piece master bedroom, Sunsetter awning, oversized garage, community pool and clubhouse. MLS# 597231 $195,000

Billie Myers 481-1883 billiemyers@coloradohomesale.com

Jeannine “J9” DiGuglielmo 689-4824

PRICE REDUCED

304 Bobcat, Drake

924 Deborah Drive, Loveland

Cozy cabin in the mountains! New upgrades: roof, Champion vinyl windows, blinds, floor coverings, electric range & refrigerator! Open floor plan, ample kitchen cabinets, & decks on 3 sides! 2 storage sheds & 1.21 acres. MLS #637705 $129,900

Great location near park & elementary school. Nice sized dining area, roomy kitchen with all appliances. Includes Living room fireplace, brick & vinyl exterior. Large concrete front patio, oversized 1 car garage. 3 BR/1 BA. MLS# 638799 $125,000

JUST LISTED

Jeannine “J9” DiGuglielmo 689-4824

OPEN SATURDAY 11-2

Diana Williams 214-0447

4049 Trinidad, Loveland

4319 Filbert, Loveland

Updated, Clean, Bright, Spacious & ready! Well maintained yard w/ large concrete patio & raised garden beds. South facing home for chance of less shoveling in winter & sprinkler system for summer. 3 BD/2 BA. MLS #638083 $188,000

Well-kept custom ranch w/ daylight basement, sparkling inground pool, extended patio & deck for entertaining a crowd! Updated kitchen & baths, new paint. Large lot No HOA! Motivated Sellers. MLS #636987 $249,900

Nanci Garnand 227-1327 622-1810

www.3356Nederland.com

www.LivingInLoveland.com

New Roof on Lovely Brick Ranch Home. At the 17th Tee @ the Loveland Olde Golf Course. Watch golfers from the Screened in porch, Eating Area in Kitchen, Master bedroom, deck, finished walk out basement! $540,000

OPEN SATURDAY 1-3

Kathy Beadell 290-1798

2514 Glendevey Drive, Loveland Updated home in NW Lvld, maple cabs, bisque appliances, 4 BD, 3 Bath, enclosed deck, close to schools, shopping, parks & bike trails. Directions: N. Wilson east on 28th, S. to Glendevey. $199,900


Saturday Reporter-Herald September 18, 2010 E4

H&RE Transactions Real Estate Transactions are supplied by Prospects Unlimited Inc., 1151 Eagle Drive No. 467, Loveland, CO 80537, 667-1537.

Loveland • Kimball & Jeannie Kochen from Bac Home Loans Servicing Lp, 1327 Silver Leaf Dr, Loveland, $135,000, home • Paul & Rebecca Burns from Dittenhofer William H, 4535 Walden Ct, Loveland, $275,000, home • Roger & Barbara Waldfogel from Rubin Michael John, 206 Greenwood Dr, Loveland, $170,500, home • Donald & Sherrie Meyer from Schmidt Andrea R & Anthony C, 868 E 23rd St, Loveland, $173,500, home • James & Lori Ure from Schottstaedt Louise E, 2059 Grays Peak Dr Unit 201, Loveland, $129,900, condo • Philip & Clara Gray from Waldfogel Roger D & Barbara J, 2421 Austin Ave, Loveland, $186,000, home • Joden & Andrea Caine from Gagnon Teriesa M & Chad R, 6341 Sea Gull Cir, Loveland, $255,000, home • Roy Rogers from Haws Nicholas W & Kristin M, 5120 Coral Burst Cir, Loveland, $290,000, home • Calvin Kelley from Loveland Midtown Development I, 2153 Virgo Cir, Loveland, $201,200, home • Kevin & Michelle Doyle from Triton Homes Inc, 1615 Tennessee St, Loveland, $394,700, home • Sally Kisselbach from Wart Roberta M, 647 W 2nd St, Loveland, $144,000,

H&RE Featured Home Plan

home • Sheila Trust from Jn LLC, 5254 Deer Meadow Ct, Loveland, $508,400, home • Jeffrey Adams from US Bk, 1245 Silver Fir Dr, Loveland, $155,000, home

Berthoud • Stephen & Rebecca Bunn from Bettridge Mark W & Carol C, 201 S 8th St, Berthoud, $280,000, home • Amber Siebold from Robben Darcy D, 105 E Michigan Ave, Berthoud, $180,000, home

Estes Park • Cynthia Fleischer from Anning Elizabeth Jane, 770 Larkspur Dr, Estes Park, $270,000, home • Mark & Twyla Moraczewski from Federal Home Ln Mortgage Corp, 3825 Star Way, Estes Park, $275,000, home

Johnstown • Christine Gaudinski from Oakwood Homes LLC, 3918 Blackwood Ln, Johnstown, $180,000, home • Duane & Beverly Crapser from Crosby Harry A & Sharlene, 226 Buckeye Ave, Johnstown, $207,500, home • Duane & Corrie Allendorf from Fannie Mae, 2044 Blue Wing Dr, Johnstown, $209,900, home • John & Cindy Berryman from Mejias Invest Inc, 420 Castle Pines Ave, Johnstown, $187,900, home • Frankie & Deborah Simmons from Value Preservation LLC, 68 Victoria Dr, Johnstown, $158,000, home

John “Nose� Mortgages!

Rates near all time lows Rat

Call Today! C

39-316818

Your Local Family Mortgage Company. Here yesterday, today and tomorrow.

www.familymtgco.com w

A+ + Rating LMB100008942 Check the license status of your mortgage loan originator at http://www.dora.state.co.us/real-estate/index.htm

Jamison combines traditional, modern styling ASSOCIATED DESIGNS

T

he Jamison blends traditional and present-day styling in a plan that is at once elegant and informal. Traditional elements include a covered porch, arched windows, and a deck. Bold columns, a cameo window, and planters overflowing with vegetation provide contemporary flavor. Vaulted ceilings create a sense of openness in the formal living spaces at the core of this plan. Widely spaced columns support plant shelves that delineate the boundaries of the dining room, living room and hallways. A small powder room, tucked into the passageway to the kitchen, is close to ever ything. Everyday activities take place in the large, open family room/ kitchen. The cooking island is set at a diagonal to create a uniquely shaped triangular kitchen. Having the vegetable sink right across from the range offers increased efficiency in food preparation. The eating bar adds still more counter space. Utilities and a walkin pantry are conveniently located between the kitchen and the garage. On the far side of the kitchen, a glass door in the nook leads onto a large deck. Bedrooms are clustered together

at the left. Luxury amenities in the owners’ suite include a large walkin closet, a private bathroom with two lavs, and an enclosed toilet and shower. Glass blocks brighten the bathing alcove. Each of the Jamison’s secondary bedrooms has direct access to a dual-compartment bathroom. The bedroom closest to the entry porch could be outfitted with French doors and used as a den or office.

For a review plan, including scaled floor plans, elevations, section and artist’s conception, send $25 to Associated Designs, 1100 Jacobs Dr., Eugene, OR 97402. Please specify the Jamison 10-081 and include a return address when ordering. A catalog featuring more than 550 home plans is available for $15. For more information, call (800) 634-0123, or visit www.AssociatedDesigns.com.

505 E. 4th St Loveland L 970.203.0284

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38-317448


Saturday Reporter-Herald September 18, 2010 E5

Glink

debt back. will try to get you to reengage. But just because you’re contacted doesn’t mean Ilyce R. Glink’s latest book is “Buy, you have a legal duty to pay them. If the Close, Move In!” If you have questions, window of time during which a company you can call her radio show toll-free (800must start collection proceedings has 972-8255) any Sunday, from 11 a.m.-1 elapsed, you may be off the hook. There’s p.m. EST. Contact Ilyce through her Web no point engaging because, depending site, www.thinkglink.com. on where you live, that may start the clock ticking all over again. For more information, call You might want to ignore Glink’s radio show at these letters. If something pops 800-972-8255 on Sundays up on your credit history, you from 9 to 10 a.m., write to Real can deal with it then. But my Estate Matters Syndicate, P.O. guess is these collection agenBox 366, Glencoe, IL 60022 or cies just trolling for someone visit www.thinkglink.com. who takes a look at the debt they once owed and decides they Real Estate Matters now have the money to pay that

FEATURED PROPERTIES - UP TO $199,999

$200,000 - $299,999

not only have the monthly costs of homeownership but also the upfront costs of buying the home. From Page E1 Question: No one has been able to give me a simple answer (or any answer, for would take a lot of time and effort. But if that matter) as to what we should do. Periodically, we receive a letter from a you have a hankering to own, and you collection company offering a reduced know your window of opportunity is only deal to pay off an old debt. My question is two to three years, this would be your if we are able to do this, will this be rebest route. flected on our credit reports? These Finally, you should compare what you debts have long since disappeared from would rent with what you would buy and any report (we’re talking about debts then decide which choice would be betfrom 18 to 20 years ago) and we do not ter for you from a financial perspective. want to do anything that will now reflect You may find that renting for the next badly on our credit. year or two might be cheaper than buyAnswer: Often, companies will sell very ing a home. When you buy the home, you old debts to collection companies, who

OPEN HOUSE SAT. 2 TO 5

OPEN HOUSE SAT & SUN 12-3

$300,000 - $399,999

PRICE REDUCED-$219,000

OPEN SUNDAY 1-3

VIEWS & TRANQUILITY-$345,000

Mirasol Senior Community 1250 Finch St.

279 NORTH MADISON

1125 Sandra

3518 Capulin Dr-Loveland

230 Green Mountain Dr.-Loveland

2 bedroom, 2 bath ranch in lovely senior community. Many extras including jetted tub. Community has 5000 sq. ft. Event Center & onsite Community Manager. $199,900 Madison & Finch St., Loveland

Most affordable new construction in Loveland. 3 bedrooms, 3 bathrooms, full basement, attached garage, wonderful kitchen w/all stainless appliances. Central air and much more. A must see at $155,800.

Enjoy 3 bedrooms+den/5th bedroom, open living room, formal dining, kitchen with pantry and breakfast area. Finished basement w/ large 4th bedroom, great landscaping, patio, 3-car garage. No HOA

1726sf, 3BD, 3BA home in Country Club Estates on a .21 acre corner lot! Fresh interior paint, solid 3/4 handscraped/distressed maple flring, new tile entry, travertine tile kitchen counters & A/C.

2619sf, 5BD, 3BA mountain home on 2 acres that overlooks Pinewood Reservoir! Enjoy views from 3 decks, fresh mtn air and wildlife! New low-e windows, fresh paint, newer furnace & H20 heater.

Sindy Turner Timberline Partners, Inc (970) 667-4540 SindyT@TimberlinePartnersInc.com www.TimberlinePartnersInc.com

Gary Maggi 970-692-2002 gary@berthoudrealestate.com www.berthoudrealestate.com

Marian Maggi 970-290-0908 marian@berthoudrealestate.com www.berthoudrealestate.com

Mirasol Senior Community Mirasol Sales Team 970-635-5931 airwi@lovelandhsg.org www.mirasolseniorcommunity.com

Ron Putlack 970-690-9880 rputlack@msn.com

LAND FOR SALE OPEN - SATURDAY 12PM-3PM

homeandrealtyguide.com

Warberg Farm at Chapman Reservoir OPEN WED 11AM-1:30PM • FRIDAY8AM1:30PM • EVERY SUN 12PM-2PM • 2+ Acre lake front & horse lots starting $199,000. Surface rights, walk paths, parks, boatdocks, fishing, and peace garden.

Your online and print resource for residential, commercial and land for sale

38-316327

38-317941

Kurt Albers Century 21 Humpal, Inc. 970-231-1224 kurtd57@msn.com www.allcoloradohomes.com

saturday PRICE

LOCATION

ADDRESS

HRS

sunday OFFICE

PHONE

PRICE

970-456-4600

$140-$220’S SE LOVELAND $149,900*

$140-$220’S SE LOVELAND

BOISE VILLAGE N - ¼ MILE S OF HWY 34 10-6 ON N BOISE AVE, 1899 E 11TH

MIDTOWN HOMES

$149,900*

NW LOVELAND

43RD & WILSON AVE. THE COTTAGES AT ENCHANTMENT RIGE

12-5

THE COTTAGE REALTY 970-532-5900

$155,800

SE LOVELAND

279 N MADISON

12-3

RON PUTLACK

$169,900*

NW LOVELAND

4403 ELLIOT PLACE

12-5

THE COTTAGE REALTY 970-532-5900

$174,900

SE LOVELAND

¼ MI S OF HWY 34 ON N BOISE AVE, 1837 10-6 GEMINI CT

MIDTOWN HOMES

$190,565*

NW LOVELAND

3399 FOSTER PLACE

12-5

THE COTTAGE REALTY 970-532-5900

970-690-9880

970-456-4600

$199,900

SE LOVELAND

1250 FINCH

2-5

MIRASOL MARKETING 970-635-5931 GROUP

$208,750

JOHNSTOWN/ MILLIKEN

324 BUCKEYE AVE

1-3

THE GROUP, INC.

970-567-0907

$225,000

NW LOVELAND

3756 MINTURN DR

1-3

THE GROUP, INC.

970-962-6832

$227,900

NW LOVELAND

4496 HAYLER AVE

12-5

THE COTTAGE REALTY 970-532-5900

$240,000

JOHNSTOWN/ MILLIKEN

1125 SANDRA

1-3

TIMBERLINE PARTNERS

970-412-7743

$259,000

SW LOVELAND

2791 27TH CT SW

1:30-3:30

THE GROUP, INC.

970-679-8265

$279,685

NW LOVELAND

4475 HAYLER AVE

12-5

THE COTTAGE REALTY 970-532-5900

$293,547

WINDSOR

5427 BROOKLINE DR

1-3

THE GROUP, INC.

970-567-0816

$297,462

FORT COLLINS

817 BROOKEDGE DR

12-5

THE GROUP, INC.

970-222-8549

$324,000

SE LOVELAND

4635 TARRAGON DR

1-4

THE GROUP, INC.

970-217-3464

$324,990

FORT COLLINS

939 SNOWY PLAIN ROAD

12-5

THE GROUP, INC.

970-443-9910

SW LOVELAND

1/4 MILE WEST OF WILSON ON 14TH ST. SW/HWY 402 TO THE DAKOTA GLEN SUBDIVISION

12-4

GLEN MARKETING TEAM, ERA

970-663-4522

$385,400 $398,900

SW LOVELAND

3919 WILD BIRD DR

9-2

A CASTLE KEEPER LLC 970-690-7856

$399,750

SW LOVELAND

975 PRISM CACTUS CIR

12-4

GLEN MARKETING TEAM, ERA

970-663-4522

To add a listing or speak to an advertising representative, call the Reporter-Herald at 669-5050

LOCATION

ADDRESS

HRS

OFFICE

PHONE

BOISE VILLAGE N - ¼ MILE S OF HWY 34 ON 10-6 N BOISE AVE, 1899 E 11TH

MIDTOWN HOMES

970-456-4600

NW LOVELAND

43RD & WILSON AVE. THE COTTAGES AT ENCHANTMENT RIGE

12-5

THE COTTAGE REALTY 970-532-5900

$155,800

SE LOVELAND

279 N MADISON

12-3

RON PUTLACK

$169,900*

NW LOVELAND

4403 ELLIOT PLACE

12-5

THE COTTAGE REALTY 970-532-5900

$174,900

SE LOVELAND

¼ MI S OF HWY 34 ON N BOISE AVE, 1837 GEMINI CT

10-6

MIDTOWN HOMES

970-456-4600

$182,500

NW LOVELAND

2127 FARISITA DR

1-3

THE GROUP, INC.

970-461-7124

$190,565*

NW LOVELAND

3399 FOSTER PLACE

12-5

THE COTTAGE REALTY 970-532-5900

$204,500

SW LOVELAND

2534 BEGONIA CT

1:30-3:30 THE GROUP, INC.

$227,900

NW LOVELAND

4496 HAYLER AVE

12-5

THE COTTAGE REALTY 970-532-5900

$240,000

JOHNSTOWN/ MILLIKEN

1125 SANDRA

1-3

TIMBERLINE PARTNERS

970-412-7743

$241,500

NW LOVELAND

2102 FARISITA DR

1-3

THE GROUP, INC.

970-962-6832

$279,685

NW LOVELAND

4475 HAYLER AVE

12-5

THE COTTAGE REALTY 970-532-5900

$297,462

FORT COLLINS

817 BROOKEDGE DR

12-5

THE GROUP, INC.

970-222-8549

$297,550

NE LOVELAND

1016 JANNA DR

1-3

THE GROUP, INC.

970-567-0907

$324,000

SE LOVELAND

4635 TARRAGON DR

1-4

THE GROUP, INC.

970-217-3464

$324,990

FORT COLLINS

939 SNOWY PLAIN ROAD

12-5

THE GROUP, INC.

970-443-9910

$385,400

SW LOVELAND

1/4 MILE WEST OF WILSON ON 14TH ST. SW/HWY 402 TO THE DAKOTA GLEN SUBDIVISION

12-4

GLEN MARKETING TEAM, ERA

970-663-4522

$399,750

SW LOVELAND

975 PRISM CACTUS CIR

12-4

GLEN MARKETING TEAM, ERA

970-663-4522

$525,000

SW LOVELAND

3817 S CO RD 29

1-3

THE GROUP, INC.

970-227-0964

$899,000

SW LOVELAND

3515 MAZANITA DR

1-3

THE GROUP, INC.

970-690-1732

970-690-9880

970-679-8265

For details about these open houses, see the ads in this section. For additional open house listings, please check the “Real Estate Classifieds” section of this publication. This guide is brought to you by the Daily Reporter-Herald, local real estate agents and area builders.

WWW.HOMEANDREALTYGUIDE.COM •CLICK ON

OPEN HOUSE MAPS


Saturday Reporter-Herald September 18, 2010 E6

H&RE Front Range Gardening

Trees burnt in wildfires will begin falling immediately falling trees. But not all trees killed by fire die right away. “We’ve looked at survivorship of ponderosa pines following fire in the Black hatever you do, stay out of the Hills,” said Dr. Skip Smith, Department burned zone, is the message experienced foresters, researchers, Head of Forestry and Rangeland Stewardand firefighters have for residents return- ship at Colorado State University. “Immediate kill from the fire, where the foliage is ing to their homes after the Four Mile consumed, is obvious. But what we saw is Canyon and Reservoir Road fires. The that trees will die for four or five years afblazes that left hundreds homeless leave another hazard in their wake: falling trees. ter a wildfire. It may appear green but “Really hot fires burn the tree, its roots, eventually dies.” If the cambium — that area of living and all,” said Greg Sundstrom, Assistant Staff Forester with the Colorado State For- cells under the bark — and the phloem experienced a lot of heat, those damaged est Service, “those trees are likely to fall anytime between now and ten years from spots girdle the tree. It may be alive right now, but next year or the year after, it now.” This leaves the burn zone one area dies, he says. that curious homeowners and curiosity seekers should avoid. Assessing trees for survivorship can be tricky, cautions Smith, but here are a few Left unstable without anchoring roots, things to look for. Check the crown, lookcharred trees begin falling immediately. ing for percentage of scorched foliage. If “When I was on the firefighting crews in more than half of the crown remains California, they’d have us eat our lunch green the tree has a good chance for sursquatting on our feet. This was so we could move quickly when we heard a tree vival; less than half and the tree’s odds diminish. Total consumption, where the coming over, to get out of its way,” he said, describing the thud-thud-thud of crown has burned off, means the tree is CAROL O'MEARA CSU EXTENSION, BOULDER COUNTY

W

killed. Look for deep charring around the base of the trunk. Ground fires burning duff, leaf litter, or other fuels against the trunk can kill the tree at ground level. Like a pencil standing on its point, these trees are hazardous and will fall. But if 60 percent or more of the base is unharmed, it might survive, Smith said. The good news is that ponderosa pines become resistant to fire, developing a thick, corky bark as they grow. This insulates the cambium from heat. Other trees aren’t armored from the heat, such as Douglas fir or lodgepole pines; they often fall victim to the flames. Unable to regenerate from roots, pines succumb completely. But other trees, such as Aspen, are remarkably resilient and will rise from the ashes to shade the land. “Aspen will sprout up after fire if the heat into the soil isn’t great,” said Dr. William Jacobi, Professor of Tree Pathology and Extension Specialist at Colorado State University. “In fact, often they’re not even noticed until after wildfires remove other trees.” Native bushes are supposed

Avoid bringing in firewood from midwest ALISON O'CONNOR CSU EXTENSION, LARIMER COUNTY

Q

uestion: I have the opportunity to get some firewood from my family that lives in the Midwest. Is it safe to bring to Colorado? Answer: No, it’s never a good idea to move firewood and has been found as an excellent way to support populations of non-na-

tive and native forest pests across the United States. A recent publication from the Animal and Plant Health Inspection Service (APHIS) states that moving firewood encourages insects, such as mountain pine beetle and emerald ash borer and pathogens associated with Dutch elm disease to be spread state-to-state. Nationwide, there are many states with firewood moving restrictions. Even moving beetle-killed

firewood from the mountains to the Front Range may pose a threat, if the wood was not treated and dried properly. Surveys of firewood found that as much as 20 percent may be infested with insects or pathogens. The Colorado State Forest Service (csfs.colostate.edu) offers these following suggestions regarding firewood: • Always try to burn firewood at the location where you buy or

to burn, he said, and come back quickly. The big question for these areas is whether invasive plants will crowd into areas where smaller vegetation has burned off. “The problem, now that invasives have moved into the forest, is that the invasives often do better after fire. Seeds and roots survive, and they grow back before the natives,” he said. At this time of year, experts recommend people whose property burned should stabilize the soil before snow flies, remove hazard trees, and plan revegetation for spring. Contact the Colorado State Forest Service for a list of tree contractors.

Carol O’Meara is with CSU Extension in Boulder County. Contact her at 303-678-6238 or comeara@co .boulder.co.us.

Front Range Gardening

cut it. Leave wood you don’t burn behind. • Don’t ever bring wood into Colorado from other states, or vice-versa. • Ask firewood dealers questions about the origin of the wood. • If using firewood bundles for camping, buy from a local vendor. The best option is wood labeled with the Colorado Forest Products logo; at least 50% of this wood is certified to be from Colorado forests, and more than 65 vendors around the state participate in this program.

• Learn to identify the symptoms of common pests in the type of wood you plan to burn. • If you intend to transport firewood more than a few miles, make sure it is completely dried and ready to burn. The bark should peel off easily and should be removed before transporting the wood. O’Connor is the Horticulture Agent for Colorado State University Extension in Larimer County. For more information about CSU Extension, Larimer County, call 970-498-6000 or visit www.larimer.org/ext.

Home invaders common in fall BILL CIESLA CSU EXTENSION, LARIMER COUNTY

To place an ad, call 970-635-3650 or go to www.ReporterHerald.com/classifieds and place your ad any time of the day or night. Fax: 970-635-3677…email: classifieds@reporter-herald.com

Commercial Duplexes Industrial 4040

Apartments/ Unfurnished 4030 1 rm, Studio+ Vintage apts 0 utils! On-site mgmt. W/D, DirTV $333-590 970-219-8162 1 BDRM, 1.5 ba, hkups, $800/mo, wtr/sewer pd. 1842 E 17th St, Faith Property 970-377-1626 1 Bdrm, 713 Garfield $420/ mo, Wall AC, avail 10/1 Call rmpm.com 669-0842 2 BDRM, 1 BA, bsmt apt, hkups, 1705 1/2 E 8th St, $725/mo Faith Property 970-377-1626 2 BDRM, 1 BA, garden lvl, A/C, 1707 Cheyenne Ave #24 $575/mo H2O/swr/trash pd. Faith Property 970-377-1626 2 BDRM, 1 BA, lg kitchen, lndry on site, water/ sewer/ trash paid. 1125 Gard Pl #1 $575/mo, Faith Property 970-377-1626 2 BDRM, 1 BA, sewer/ trash pd. 1147 E 5th, $550/mo, Faith Property 970-377-1626 2 BDRM, 1 bath $665 ALL utilities included in the rent! Clean and Quiet, 2nd floor unit with huge windows! Madison & 6th. Come check us out today! Call 970-669-1375

Foothills Apts FALL MOVE-IN SPECIALS 2 Bdrm Apartment Homes ●Party and Exercise Room ● Includes Washer & Dryer ● Park-Like Setting ● Garages Available

1913 W. 15th St. 970-669-7850 - Sorry no pets

2 BDRM Townhouse Apt w/WD hkup, patio & storage shed. 1408 S. Dowty (S. of HP) No pets. $515. (970)667-2571 3 BD or 2 BD- Free rent! Pets nego. Quiet & spac. $625-$695. 970-223-1349 LUXURIOUS UPSCALE APARTMENTS STUDIO, 1, 2, & 3 BEDROOMS- Pool, hot tub, 24 hr. fitness center, business center, coffee shop, salon, pizza & deli. OPEN HOUSE, Mon-Fri 9am-6pm, Sat. 10am-5pm. 325 E. 5th St., Loveland. 1-888-822-9346

4060 Houses

4080 Office Space 4100 Lots & Tracts

2 BDRM, 1 BA, hkups, H20 & sewer paid. 2- 2800 SF bldgs w/bsmt, 2305 W 18th $695/mo 1 warehouse 2304 SF. For- Faith Property 970-377-1626 merly Penners Appliance, call (970)667-9983, 290-3876 2 BDRM, 1 ba, water/sewer pd, N/pets. $800/mo + dep. Approx 700 SF 2nd floor 970-218-9212 / 970-667-4646 storage/office, NW corner 2 BDRM- 2606 Gilpin, of Bunyan & 1st, Berthoud, $575/mo + dep 970-532-2652 $825/mo. NICE! 1 car gar. Call rmpm.com 669-0842

3 BDRM, 1.5 BA, unfin bsmt, 2 car, 1800 sf. Fncd bkyd, lg lot, W/D, frpl, solar. $1100 + $1100 dep + utils. 2 sm/med dogs OK w/ dep. Avail 10/1. 970-290-4404

Approx 800 SF 1st floor commercial/office space, 2 BDRM, A/C, hkps, Wtr pd. $650/mo. Lvld. No dogs. Mt Avenue, Berthoud, 970-988-4465 / 800-525-1986 $700/mo + dep 970-532-2652 2 BDRM, Berthoud. Large Best location in Berthoud, liv rm, laundry rm, near 350 SF commercial/office school, cov pkng, yd, huge storage. $685. 303-684-6554 space, 345 Mt Avenue, $500/mo + dep 970-532-2652 3 BDRM, 1030 Lavender, $995/mo. Ranch, 2 car gar. Call rmpm.com 669-0842 Town Building for Lease The former Johnstown Library and senior center 3 BDRM- 1601 Empire, consists of an existing one $825/mo. 1 car, pets nego. story 2,430 square foot Call rmpm.com 669-0842 brick building with an unfinished basement (793 Sq Ft) situated on a 7,749 Sq Ft lot located at 1011 Jay Ave. Johnstown, CO. The building was principally built in 1967, 2 CAR GARAGE and a small addition and with electricity, $150/mo. basement added in 1989. rmpm.com. 970-669-0842 The Town renovated the main floor of the facility in 2006, and added additional COMMERCIAL SHOPoff-street parking spaces. $850/mo. 1600 Sq Ft. The main floor consists of rmpm.com. 970-669-0842 a large meeting area (1667 Sq Ft), kitchen (185 Sq Ft), two restrooms STORAGE 20 x 40 (38 Sq Ft each), office with 14´ overhead door. (123 Sq Ft) and mechanical $325/mo. Call (970)481-5899 room (65 Sq Ft). The property is zoned SF-1 Single Family Residential, which allows church, day care and public facilities as conditional uses.

3 BDRM, 2 BA, hkups, pet nego. 4460 Hayler $1195/mo Faith Property 970-377-1626

Garages/Storage Spaces 4070

Houses

The Town is accepting offers to lease the building with a minimum annual lease rate per square foot established at $5.00. Lessee will be responsible for payment of insurance, utilities and maintenance. The Town will also consider a lease/purchase or purchase arrangement. If interested, please contact the Town Clerk, Diana Seele at 970-587-4664 or dseele@ townofjohnstown.com.

Condos/ Townhouses 4050 2 BDRM- 1502 E. 16th, $550/ mo, W/D hkups, 2-story Call rmpm.com 669-0842 3 BDRM- 2126 SW 3rd, $995. Unfin bsmt, 2 car gar. Call rmpm.com 669-0842 3 BDRM, 2 BA Condo, stacked W/D, trash pd, fenced yard, garage. 4136 Monument, $900/mo Faith Property 970-377-1626

4080

EQUAL HOUSING OPPORTUNITY All real estate advertised in this paper is subject to the federal and state Fair Housing Act which makes it illegal to advertise “any preference, limitation or discrimination based on race, color, religion, sex, handicap, familial status or national origin, or an intention to make any such preference, limitation, or discrimination.” The newspaper will not knowingly accept any advertising for real estate which is in violation of the law. All persons are hereby informed that all dwellings advertised are available on an equal opportunity basis.

4060

29th Street Loc, 2000 sf, tenant fin avail, Jim (970)485-8177 or Leroy (970) 481-8168

2 ACRE LOT, Berthoud area, $40K price reduction, $125,000. Call Steve Conder for details, 303-514-3706. LAKE LOT- Lvlnd 3 BDRM, 2 BA, 2 car, all Downtown corner loc, 2/3 West backing walk-out lot. modeled, lg cov deck. $1200 offices, sep bldg, 4 car prkg Exclusive recreation No Pets, 1029 N. Redbud, lot. $1000/mo 970-667-5145 rights. (970)690-1732 Loveland. 970-481-0646

Roommates Wanted 4120 Loveland

5110

3 BDRM, 2 BA Ranch, gar, LG room w/lg sitting room BANK OWNEDfncd yd, close to schools. attached in a luxurious house on 3 acres. $500/mo. Tri-Lvl, 3 bdrm, 3 bath w/ 3004 White Oak Ct. $1100 Call Lori, (970)566-1631 bsmt. New floor coverings, Faith Property 970-377-1626 int paint & appliances. $179,900. Re/Max Alliance, 3 BDRM, 2 bath, 2 car Wanda Quaid, 970-481-3033 912 East Kelly Drive. Pets nego, no smoke, $1195. Call Dave (970)484-1313 Fully furnished large rooms. Laundry, A/C, cable, all util. incl. 3 BDRM- 374 Gypsum, $325/mo. (970)227-1585 $1095, pets neg, Unfin bsmt Call rmpm.com 669-0842

Rooms For Rent

4130

Retail Space 4135

3 BDRM- 874 Rustic, $1095/ mo, pets nego, unfin bsmt Fully Furnished Hair Salon Call rmpm.com 669-0842 & office spaces, utilities included. 970-613-1477 3 BDRM Ranch, fncd bkyd, 1 ba, frpl, 2 car, No smoke No pets. Credit check req. Avail now. $995/mo + dep. 2252 Austin Court, Loveland. (970)472-4155

Wanted To Rent

4170

A picture is worth a thousand words Try a classified picture ad! Call for details

970-635-3650

Farmers/Ranchers, Colo Caregivers Wanted $950/mo + dep & HOA fee Legal MMJ 2 bdrm/2 ba patio home, 2 Caregiver Services car gar, no pets, 311 Vic- needs to lease your old outtoria, Berthoud 970-532-2652 buildings. Top dollar leases per square foot paid. BERTHOUD ✭ 807 7th St • Legal Services 3 bdrm, 1 ba/pets neg. • Patients $900/mo + utils, $900 dep • Technical Support Garage not incl 970-532-0764 • Plants & Equipment • Modular units also avail. OWN your own home for Confidentiality, safety & what you pay in Rent! security. Call the Law Lowest rates, Office of Stephanie Nelson $0 - $1000 Down ✭ MOBILE HOMES ✭ 303-440-4420 Free Prequalification. BUYING/SELLING Western Plains Realty Local park needs used mob Ken or Tammy homes. We´re buying! Big 970-663-5008 Sale! Many single & dbl wides. Fin avl, auto approval on owner fin homes. Bad credit OK! Moves avl. 970-222-1473 To ensure you receive ✭ 690-2725 or 690-3283 ✭ the best response to your advertisement, please check your ad the first MOBILE HOME like new day of publication. in Berthoud ✭ $28,500 We regret we cannot be 303-772-4324 or 970-231-4289 responsible for more than one day´s incorrect insertion. Billing inquiries can be initiated within 30 days of ad expiration.

Mobile/ Manufactured Homes/ Spaces 5130

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Ft. Collins

5080 Rural

✭ 2 BEDROOM HOMES ✭ $575 to $650 + dep. West Hwy 34. Pets nego. Se Habla Espanol 970-685-8573

5180

~ HORSE PROPERTY ~ 5 bdrm, 4 ba ~ 5000 sq ft on 1.5 acre ~ Johnstown. $275K SS Western Plains Realty Ken or Tammy (970)663-5008

Mobile Homes/ Spaces 4090

1 BDRM, carport & sm yd. No cats, sm dog nego. $575. NEW HOMES REDUCED! Don´t miss out on this 1225-1/2 E. 4th ON ALLEY. SAVINGS EVENT! Easy 970-443-4072 2 BD, 1 ba, single gar, approval, quick closings & Lrg 2 BDRM, no pets. $595/ water pd, W/D hkup. NO 2 BDRM, 1 BA, hkups, fncd affordable payments. mo, wtr/sewer pd. 1717 N PETS. Avail 9/11. $750. 3208 yard w/ patio, gar. Tax ID´s welcome. Limited Cheyenne Ave. #19 & #12. White Elm Ct. (970)290-0930 2360 Fountain Dr. $995/mo availability ACT NOW!! Faith Property 970-377-1626 Faith Property 970-377-1626 Call 970-420-8488 *wac

Duplexes

5100

2-Car Oversized Garage Old Town, FTC. 2-3 bed, 2 ba, 1950 home, $218,999. Fender RE 970-223-3334

Longmont

5090

1109 Yeager Dr., 3 bdrm, 1 ba, ranch,N-central loc, new paint/crpt, $164,900. Owner carry, $140K. 303-517-0061 No agents

A

utumn is on its way and along with it comes cooler weather and occasional frosts. This is the time of year when many insects enter homes to seek warm places to spend the winter. Some, like the colorful but annoying boxelder bug, can enter homes in large numbers and become household pests. Others arrive in smaller numbers. For those of us who don’t think of insects as creepy, crawly, somewhat repulsive critters, they may even become subjects of curiosity. One common autumn home invader is the western pine seedbug, which is typically seen as a single insect resting on a screen door or window, seeking entrance to the house. The adults are less than an inch long and are red-brown to dark gray in color. The upper surface of the body bears a faint white zigzag stripe across the midpoint of its upper surface. They usually appear in late September and early October. Like the more common aphids and scales, western pine seedbug is a sucking insect. Both nymphs and adults feed on seeds of pine, Douglas-fir and other conifers by inserting their mouthparts through cones and developing seeds. If feeding occurs before the seed coat hardens, the contents of the seed are completely destroyed and the seed coat collapses. While the feeding damage caused by these insects is of little or no consequence to trees in urban settings, loss of seed crops is important to foresters who collect large quantities of pine, spruce or Douglas-fir seeds to grow seedlings for reforestation following tree harvesting or wildfire. In some parts of the West, over 40% pine seeds is lost due to this insect. Adults also feed on developing male flowers of pines and other conifers in spring and cause them be stunted and deformed. This seedbug is native to the West and occurs from Alberta and British Columbia, Canada south to Mexico. It has been expanding its range and is now found as far east as western New York and Pennsylvania. Seedbugs have also been introduced and become established in Europe and presently occur in parts of Italy and Slovenia. Western pine seedbug has one generation per year and the adults overwinter. In spring, they deposit eggs in rows of four or five on needles of pine, spruce or fir. Eggs hatch about 10 days later and the nymphs seek developing cones on which to feed. Both adults and nymphs feed on cones and seeds. In autumn adults seek shelter, including homes, in which to spend the winter months. In comparison to other home invading insects, western pine seedbugs are a relatively good houseguest. They do not invade homes in large numbers and rarely require control. I generally encounter three to four individuals each fall, coax them onto a piece of paper, take them outside and release them into the wild. Bill Ciesla has received training through Colorado State University Extension’s Master Gardener program and is a Master Gardener volunteer for Larimer County. For more information about CSU Extension, Larimer County, call 970-498-6000 or visit www.larimer.org/ext.


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