Protect Your Nest Egg from Quick Cash Offers

Visiting grandparents bend and kneel to hug grandchildren

The Division of Real Estate recently issued this consumer advisory – “Take 5 to get wise and learn how to protect your real estate nest egg.”

Colorado residents owning a home for 20 years or more are being targeted for the equity in their property. An offer may include a cash transaction, a quick sale, no inspection, and the freedom to leave your problems behind.

In Colorado’s hot real estate market, a lot of homeowners might not know the market value of their property, which is what unscrupulous investors want. They are trying to drive down your property value with misleading and confusing information. Their goal is to make a profit by turning around and selling your property at true market value.
This can happen to anyone because people who perpetrate fraud are good at what they do – separating you from your money.

Protect your nest egg when considering an offer on your property:

  • Go to www.dora.colorado.gov/dre to research licensed professionals.
  • Go to your local county government website and look up property values for you and your neighbors.

Other tips to protect your nest egg when considering an offer include:

  • Be wary if you weren’t thinking about selling.
  • Always keep someone you trust in the loop.
  • Do research on real estate brokers working in your neighborhood.
  • Always seek legal advice.
  • Know the value of your property and understand the motivations of why an investor wants to buy your property.

By taking a few steps you can protect your home, your finances and your future. If you have questions, please contact us.

Home Projects for the Valentine’s Day Honey-Do List

Dad does it all

Sure! Flowers are nice and dinner out is almost always a success. But if you really want to say, “I love you,” try one of these easy February home maintenance projects and show what it really means to love someone!

Freshen up the bedrooms.
Wash all of your sheets and blankets and run them through the sanitize cycle on your washing machine. Are your pillows able to go in the washer? Wash those, too! And any bed covers that can be washed should be and others should go to the dry cleaners. Fresh bedding makes for a fresher home.

Dust the places no one sees.
So we dust our table tops, shelves and book cases. But how often do we dust those places no one sees? February is the perfect month to dust the tops of door frames, dust window ledges and wall boards. Dust all the lamp shades and bulbs, too.You’ll be surprised at how much brighter everything looks because you do this task.

Clean your windows.
Let the winter sun warm your house up even more (or make it sparkle anyway!) by washing the windows. You may not be able to do the outside windows in the cold weather, but you’ll see an immediate improvement in your home, if you simply clean the insides of the windows. Dust the blinds and spot clean your curtains.

Clean under your furniture.
You don’t have to vacuum the entire house if you don’t want to (but you will when you start this project!), but move the couches and the chairs and tables and vacuum beneath them. If there’s a place that you usually work around, then now is the perfect time to move it and clean where no one sees.

Wipe the places that get touched a lot!
Take some time to clean the places that never get cleaned but should. Wipe down the legs of chairs and tables, door knobs and light switches, and the knobs on all cabinets and drawers. If you touch it to turn it on or off or to open or close something, clean it today!

Clean small kitchen appliances.
Do you have a spotless microwave and an oven so clean you are proud to leave the door open? Yet, if someone were to look at the bottom of your mixer, they’d see cake batter from two years ago? It’s time to clean your small kitchen appliances. Wipe down your mixers; change the filters on your coffee pot and run a water vinegar mix through it; shake out the toaster crumbs. What other appliances can you find to clean?

These are six Valentine’s Day Honey-Do jobs that will prove you love everyone in your home, and yourself, too! Happy Valentine’s Day!

Show Mom You Love Her On Valentine’s Day

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Have plans for Valentine’s Day? Of course flowers and candy may make Mom happy. But if you and the kids really want to show her how special she is this Valentine’s Day, try one of these ideas.

Write her a letter or make her a glittery card. Mom’s going to keep a handwritten letter from her kids for a long time. Grab a pen and paper or some glue and sequins and have your kids write a letter or make a card that shows how special she is. She’s going to savor that treat forever.

Extend Valentine’s Day to a weekend day. You knowMom…would a few hours alone be her favorite activity one weekend day? Let the Valentine’s Day love spread to the weekend and take the kids out for a while.

Clean the house. Vacuum, dust, scrub the bathrooms – you know Mom doesn’t like to do these chores. Help the kids clean so Mom can spend some time in a lemon-scented, freshly vacuumed home.

Wash her car. Better than cleaning the house – wash, vacuum and maybe even wax her car. There’s no mom that’s not going to appreciate a shiny, clean, cup-free car!

Take the kids grocery shopping. Go to the grocery store for Mom. It’s Dad’s turn to push the cart, pay the bill, lug the groceries in the house, and most importantly, say no to sugary cereal and cookies.

And finally – Take Mom out to dinner. It may sound like a fun idea to cook for Mom on Valentine’s Day, but you’re going to stick her with the greasy pots and pans and a sink full of dishes that need to be loaded (and then unloaded) from the dishwasher. Treat her to a night out. Doesn’t have to be fancy. She’ll be glad to not be on KP Duty.

These are a few ways to say “We Love Mom.” But remember, you don’t have to save these for a special day. Make every day Valentine’s Day!

Teach Your Kids to Love Their Home and DIY Projects

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Do you want your kids to grow up and already love a good DIY home maintenance project or at least understand the value of a clean and tidy home? Start working with them while they are young. Kids actually think cleaning the house or helping with home repairs is fun, so the sooner you engage them in this, the better.

Start while they’re young. While involving kids in housework and home maintenance may take more time, getting kids started while they are young will teach them the importance of caring for a home and taking on some hard work. Kids can hold flashlights, hand you tools or carry a light toolbox. Older kids can help with the screwdriver, replace light bulbs or take part in chores like vacuuming or cleaning

Get kids their own toolbox or yard tools like a kids’ rake or lawn mower. Let them imitate you nearby. This makes participation a game.

Talk about what you’re doing. As you work on home projects such as gardening, painting, repairing, cleaning, talk to your kids about what you are doing. You can teach them more and keep them chatting.

Let them decorate their own rooms. Kids spend a lot of time in their rooms so the more they do to make them their own, the more they will like them. They will also feel ownership and want to be in charge of keeping their rooms clean. Comfortable is important.

Teach your kids about important jobs for home owners that some adults don’t think about, including:

Help them locate the breaker box and flip the correct switch when you lose power. They can also help you label the breaker box, a task that a lot of homeowners plan to take on but never do. Kids love to run around the house and let you know what lights are off or on when you flip a switch.

Show them where to turn off the water for the house or in a bathroom. Kids are known for putting weird things down toilets. No matter how often you say not to, they still do it. Even if you don’t show them where the house water turns off, show them how to turn off an overflowing or running toilet.

Change batteries in smoke alarms. Let kids help you change the batteries in smoke alarms. You should do this twice a year and it’s a great time to teach kids about home maintenance and home safety. This could even be a good time to talk to your kids about a fire evacuation plan.

And make a quick cleaning fun!

Have a Musical Cleaning Event! For a fun cleaning game, turn on your favorite fast song and have a race to see who can clean up the most toys while the song plays. Whenever you turn the song on, the kids clean. ! Kids think this is a blast and race to beat each other. You end up with tired kids and a clean room!

What Can I Expect from My Home Inspection?

Home inspector examines architectural, asphalt shingled roof.

Home inspections are a standard practice when buying a home. No one wants to make the biggest purchase of their lives, only to discover a weak foundation, shoddy electricity and plumbing that will cost $10,000 to repair. A good home inspection can protect buyers from major expenses when buying their homes.

What does a typical home inspection include?
Generally, a home inspector will look at:

The Foundation: Is there evidence of settlement and/or seepage in the basement or lowest level of the home? Is the settlement uneven or are there cracks? What is the structural integrity of the home? What is supporting the home?

Heating and Air Conditioning: What is the insulation like in the home? Is there enough heating and air for the home? How do the systems operate and are they operating properly? What can the inspector see in the way of potential problems in these systems?

Electrical: What does your electric system look like? Is it safe? Are there potential hazards? Is everything properly grounded and bonded? Are all the outlets working?

Roof: What’s happening on top of the house? Are there any general maintenance issues you should know about? What type of roof is it? Are there skylights that need repair? Are there places that are leaking?

Your home inspector should also check out your:

  • Lot and landscaping
  • Plumbing
  • Hot water supply
  • Chimney and fireplace(s)
  • Termite damage/wood damage
  • Attic
  • Exterior
  • Garage

There is a lot of ground for your home inspector to cover, so you want to hire one who will take his time and do a thorough job on your behalf. How do you pick a home inspector? Here are some tips:

1. Don’t trust an inspector simply because the inspector has a state license.

2. Look for an inspector who is associated with a professional inspection organization such as the National Institute of Building Inspectors, the National Association of Home Inspectors or the American Association of Home Inspectors.

3. Don’t only take your agent’s recommendation; ask for three recommendations and then really grill the inspectors.

A home inspection is one of the most important things you can do to make your home purchase a good one. Don’t skip this step!

Super Bowl Party Rules for Everyone

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In 2018 Americans spent more than $15 billions on Super Bowl-related items such as food, drink and apparel, according to the National Retail Foundation. Super Bowl parties are a tradition, and whether you are a football fan or not, there’s a good chance you’ll be invited to and will attend one. We want hosts and guests to be prepared with their best manners on this festive day.

10 Tips for Being a Great Guest

  1. Dress the part. Wear a team jersey, t-shirt or at least one of the team’s colors.
  2. Never come to a Super Bowl party empty-handed. Super Bowl Sunday is our second favorite day of the year to eat so having a lot of food is important. If you’re not sure what to bring, ask the host. This will help make sure there’s a good variety of food and drinks for everyone, and there’s a lower risk of too many chips, salsas and dips!
  3. Don’t show up too early to the party. If there’s no pre-game festivities planned by the host, don’t show up too far before the game and expect to be entertained. And don’t be the last to leave either!
  4. Don’t pick off the buffet. Most Super Bowl parties are set up buffet style. And the food all looks so good. And you’re excited and less formal because you’re watching a football game. You may not be at a wedding but do bring your wedding manners when it comes to the buffet and wait to begin eating until you’re back to your seat.
  5. Go easy on the alcohol. It’s easy to over-indulge in drinks when you’re toasting your team but be careful on the drinks. Be especially mindful if you’re with business associates as well as friends.
  6. Be careful not to swear, especially if it’s a kid-friendly party. Few things bring out the swear words like a bad play or a bad call during the Super Bowl, especially when it’s your team. But if you’re not in the comfort of your own home, swear words should be avoided.
  7. Watch the game and talk about the game. If you’re at the party because your spouse wanted you to come, be mindful of the others who are there to watch the game. If there’s another guest who isn’t really into the game, take your conversation to a corner or to another room.
  8. And watch the commercials, too. Super Bowl Sunday’s ads are a huge reason people watch the game. This is the one day where talking during the commercials is bad form.
  9. Leave the remote control to the host. Never change the channel or adjust the volume. The remote control belongs to the host!
  10. Respect guests who are cheering for the opposing team. There’s almost always someone rooting for the other side. Good manners say you should be polite to them and not cause trouble.

    Following a few simple Super Bowl rules will ensure you’re a special guest for parties now and in the future!

Entertain Kids During the Super Bowl

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When you’re a football fan, and your team (or any team for that matter!) is in the Big Game, it’s hard to believe that there may be people at your party who are not as into the game as you are. Those people are most likely kids! Here are some tips for keep kids happy during the game.

Bring in a Babysitter for the Day
Hire a babysitter to watch and play with your kids and any guests’ kids. Make sure you are clear on your expectations – can kids hang out with adults? What games do you have for the kids? What snacks can they have?

Set Up a Craft Table – Football Themed, Valentine’s Day Themed, Just for Fun!
Kids of all ages have fun working with their hands. Bring out the construction paper, glue, child scissors, glitter, crepe paper and more. Whatever you can think of, kids can craft with. Invite them to make pom-poms, football helmets to wear and more. Or let them get a head start on their homemade Valentine’s for grandparents or siblings or friends. And if none of that inspires them, let them make anything they’d like.

Set Up a Jigsaw Puzzle and Coloring Table or a Board Game Table
Maybe you have kids who aren’t crafty at your party. A coloring book and crayon table and a jigsaw puzzle table may be just what they need to stay entertained. Or let them play board games. Sorry, Life, Chutes and Ladders – these are all great games for kids.

Remember, the more you put out for them to do, the more easily entertained they will be.

When Making the Food, Remember the Kids
Super Bowl parties are not usually the example of healthy food choices. Junk food often rules the menu. However, you want to make sure you have healthy snack options for your adult and child guests.

Popcorn is a healthy choice. Have a popcorn bar where they can add fun candy, raisins, granola or other snacks to their popcorn. Pop up a big bowl of plain popcorn and offer a variety of flavor shakers, such as cheddar cheese, barbecue, etc. You can find these at most grocery stores with the popcorn. Put out some plastic cups to put their popcorn and let them snack. Provide red plastic “keg” cups, a stack of small paper bags or small baskets lined with paper towels for guests to serve themselves.

Make sure to have enough cups for your adult guests who are sure to snack at the popcorn bar, too.

Host Your Own Super Bowl
If Super Bowl Sunday is a nice day, set up a miniature football field outside. Have two different colored flags and let the kids play touch football in the backyard. An opportunity to run around provides a great energy burn before the game and during half time.

Play Hot Football
This twist on the classic Hot Potato can be an energy burning alternative if you can’t get outside. Have the kids stand in a circle, turn on music, and have the kids start passing a miniature football. The kid who is holding the football when the music stops has to do a funny dance and have the others in the group copy it. Keep the game going until the game starts or half time is over.

Do Touchdown Dances
If the kids are watching the game, have them do a Touchdown Dance every time either of the teams scores a touchdown. You can also make it a Field Goal Dance, too. Even the adults who are most into the game will dance when their team scores a touchdown! It’s another way to keep moving.

You know Super Bowl Sunday is a blast for fans. Make sure it’s fun for the little ones, too,
by making having Super Bowl fun Super easy!