www.realtyguide.com Saturday, May 8, 2010 Reporter-Herald

Kurt Albers,Broker Associatewith Century 21

Humpal, Inc.

Real EstateMatters

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Realtor ofthe Week

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Inside thisweek’s Home& Real Estate

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Titles protect buyersand sellers

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Research TitleInsurance

Power ofattor ney

must be inbest interest

of parentILY C E GLINKTRIBUNE MEDIA SE RV I C E S

Question: L et’s say a par-ent is still alive but hasdementia, and the

parent’s children wantto sell the parent’s home. Onechild has power of attorney.Does the parent still have a say,or can the children just agreeand sell the home?

Answer: The child who haspower of attorney for financialmatters is supposed to do whatis in the best interests of theparent, not the children. If thechild with power of attorney islater sued and is found to haveacted not in the best interestsof the parent, there could bet ro u b l e .

There are times that a parentmay no longer know what is inhis or her best interests. If all ofthe children agree on whatneeds to be done, and the childwith the power of attorney alsoagrees, as long as the actionsare taken in the best interest ofthe parent, the parent under

Will Homebuyers

REGIONAL SNAPSHOT FOR LOVELAND/BERTHOUD RESIDENTIAL

Active Listings 941 1042 1099Previous Year Active Listings 970 1010 1099

Number of Sold Listings 57 80 126

Median Sales Price $195,000 $192,500 $234,500Previous Year Median $236,000 $195,000 $220,000

Average Days on the Market (ADOM) 133 125 123Previous Year ADOM 109 127 123

Year to Date Listings Sold 57 137 263Previous Year YTD Listings Sold 56 143 231

Monthly Volume $13,173,437 $19,241,626 $34,334,746Previous Year Monthly Volume $14,957,944 $21,741,273 $22,712,094

H& Regional Real Estate ReportRE *

* Updated statistics will be available after the 15th of each month.

Jan, 2010 Feb, 2010

REGIONAL SNAPSHOT FOR LOVELAND/BERTHOUD ATTACHED DWELLING

Active Listings 115 133 125Previous Year Active Listings 84 96 115

Number of Sold Listings 8 12 16

Median Sales Price $129,500 $146,900 $150,000Previous Year Median $65,000 $140,000 $125,000

Average Days on the Market (ADOM) 91 107 108Previous Year ADOM 91 97 102

Year to Date Listings Sold 8 20 36Previous Year YTD Listings Sold 2 12 20

Monthly Volume $1,103,400 $1,868,700 $2,475,100Previous Year Monthly Volume $233,000 $1,455,050 $1,130,656

Jan, 2010 Feb, 2010

March, 2010

March, 2010

JADE CO DYSPECIAL SECTIONS EDITOR

According to con-sumers and areaRealtors, the effect

of the federal tax creditprogram concluding willbe minimal. Consumersrecently surveyed by Pru-dential Real Estate andRelocation Services, Inc.,said the expiration of thetax credit is unlikely toput off Americans look-ing to purchase homes.The study also noted thatconsumers are confidentthat home prices willcontinue to rise.

Kurt Albers, Broker As-sociate with Century 21Humpal, Inc., said hethought the tax credit

fulfilled its duty, and heexpected home sales toremain on an upwardtrend.

“I think it (the taxcredit) got us throughthe time period that weneeded it to,” he said. “Ifeel that we’ve kind ofbottomed out,” he saidabout the state of North-ern Colorado’s real estateindustry. “Our sales havebeen up quite a bit.”

Albers said there was abig flood of home salestoward the end of the taxcredit availability, whichhelped to reduce thearea’s abundant housinginventory, especiallyamong lower pricedhomes — likely influ-enced by the number of

first-time home buyerstaking advantage of thetax credit.

Pr u d e n t i a l ’s survey,which polled 1,000 Amer-icans ages 25-64 with atleast $35,000 householdincome, was conductedduring April 15-20. Thestudy also found:

• More than 90 percentof consumers believe thatthe homebuyer tax cred-its have helped both first-time homebuyers and theU.S. housing marketoverall.

• Among consumersactually shopping forhomes, 65 percent be-lieve that the end of thetax credits will have littleor no effect on their in-terest in purchasing ahome.

• Forty-six percent ofconsumers expect real es-tate prices in their areato increase over the nextyear, while 12 percent ex-pect prices to decline.

Over the next five years,79 percent expect real es-tate prices to increase,with 20 percent expect-ing that prices will in-crease substantially.

Sarah Warnock, BrokerAssociate with PrudentialRocky Mountain, Real-tors, said the end of thetax credit will allow agenuine healing of themarket without the assis-tance of a governmentprogram. She said thelarger issue in keepingthe market flowing mightbe continued low interestrates.

“I think the interestrates are really keepingthings going right now,”Warnock said. She wascautiously optimisticwhen asked whether sheexpected rates to stayl o w.

“Lenders have said theymay go up a little bit, butit’s expected to be gradu-al,” she said.

Rates for a 30-yearmortgage dropped on Fri-day to 5.03 percent,down from 5.14 percentat this time last week.

In a press release,James Mallozzi, chairmanand chief executive offi-cer of Prudential Real Es-tate and Relocation Ser-vices, said “the survey un-derscores the key role thefederal home buyer taxcredits played instimulating residentialreal estate market activi-ty and the U.S. econo-m y. ”

“It also shows thatmost consumers believethe market has hit bot-tom and are more opti-mistic about the future.”

Albers said job cre-ation, an increase in newhome construction andgains in the mid-pricedhousing market wereparamount for keeping

the ball rolling with ris-ing home sales.

Survey respondentsagreed, citing rising in-terest rates and unem-ployment as the most im-portant factors affectingtheir decision to pur-chase a home. Amongthose who have recentlypurchased a home, 61percent identified lowmortgage interest ratesas “very important” totheir decisions, more im-portant than either thetax credit or cheaperhome prices.

“The tax credits clearlyhelped stimulate themarket when consumerconfidence was low andhousing inventory washigh,” said Earl Lee, Pru-dential president, in thepress release. “While thetax credit expiration is aconcern for many, thebigger issues now are theavailability and cost of fi-nancing as well as if theywill have a job.

Warnock said employ-ment is critical to the re-al estate industry, espe-cially with stiffened loanrequirements. As long asemployment strengthens,however, she expected re-al estate sales to contin-ue rising.

“When one’s healthythe other is healthy,” shesaid. They are directly re-lated.

Lee reiterated, “Whilethe market is picking upin terms of sales and con-fidence, and the majoritystill believe that owning ahome is a good invest-ment, the outlook for themarket remains highlydependent upon the di-rection of the economyoverall.”

For more detailed infor-mation, visit www.news.prudential.com.

C h e cko u t ?Realtors, consumersremain optimistic as

government tax credit ends

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E2 Saturday Reporter-Herald M ay 8, 2 0 1 0

Home & Realty Guide isproduced every Saturday by

the Loveland DailyReporter-Herald.

EDITOR, Jade Codyj c o d y @ re p o r t e r- h e r a l d . c o m

635-3656

REPORTER, Rhema Muncyr muncy@reporter-herald.com

635-3684

DISPLAY ADVERTISING669-5050

CLASSIFIED ADVERTISING635-3650

LastWe e kTo d ay

This Week’s Rates

30-Year Fixed:

Tr e n d

15-Year Fixed:

5/1 ARM:

* Rates provided by Bankrate.com. All rates are subject to change.

*

5.14%

4.38%

3.77%

5.03%

4.29%

3.67%

BROKER ASSOCIATE, CENTURY 21 HUMPAL, INC.

L ocation: 319 East 27th St., Loveland

Contact: 970-663-2400,Ext. 312. To contact Albersdirectly: 970-231-1224, e-mail kurt.albers@century21.com or visitallcoloradohomes.com.

Designations, Affiliations& Accolades: Certified Resi-dential Specialist, At Homewith Diversity (international),Master of Real Estate,Transnational Relocation Cer-tification, Loveland/BerthoudAssociation of Realtors —past president, Colorado As-sociation of Realtors — vicepresident elect north east district, National Association of Real-tors, International Consortium of Real Estate Associations, CARHousing Opportunity Foundation, Legislative Policy Committee,Political Survival Committee.

From Kurt Albers:Seeing the happiness and relief on my clients faces is the

greatest reward. Getting paid is just the trophy. Real estate is apassion; a passion to serve my customers and clients and a passionto serve the real estate associations. Equally important as my pas-sion is to be ethical, honest and trustworthy.

Our clients count on us to keep them informed and updated onthe process of their transactions with us. They also count on us tohelp educate them on the process of a real estate purchase or sale.This means that as a Realtor, I must also be well educated and up-dated on the real estate market and trends. I truly believe that Imust help support our community and charities to show our ap-preciation and give to help them be successful. I plan to continueto serve my clients, community and association with the best ofmy ability.

I also plan to have some fun with my wife, Ursula, as we venturethrough life. She is my partner in our corporation named Kursula,Inc. Team Kursula has been one of the top teams in both Coloradoand the Rocky Mountain region for the last several years. We eachhave our own specialties in our business which makes for a greatpartnership. We both love to travel. We also enjoy giving to severalcharities and participate in many community functions. To all wewish you a wonderful life.

Kurt AlbersMeet

Pr i c e : $329,000Built in: 1966Bedrooms: FiveBathrooms: ThreeFinished square feet: 2,800

This custom home was built in 1966 on a .53-acre private lot. It features five bed -rooms and three bathrooms, along with lake rights on a private lake — Ryan's GulchReservoir. The home features breathtaking panoramic views along with optimal loca-

tion in Loveland. The home was built by Bill Deines — a quality local builder. The customtwo-story home is on a large, private lot. House has lake rights with annual fee $500. Thelake features great fishing and water skiing. With large rooms throughout, the home hasan array of unique features includinga breezeway between the house andthe garage. The master bedroom andfifth bedroom could be easy convert-ed to large master suite.

To visit the home, take Taft southof 14th St. and turn west to FrancesD r.

Contact:Bogdan K. Kaleta, GRI, RE/MAX

AllianceDirect: 970-215-1067Office: 970-482-1781E-mail: bogdan@rmfa.comWebsite: BogdanReal

Estate.com

H& Property of the WeekREH& Realtor of the WeekRE

Kurt Albers

2106 Frances Drive, Loveland

19-313159

3BD, 2BA, 1648 sf old farm house built in 1890 on 2.27 acres and surrounded by trees! No covenants, updated kitchen, and updated bathrooms. Master bedroom has a sitting room & walk-in closet!

750 E. Hwy 56 - Berthoud

SECLUDED FARM HOUSE-$284,700

Kathleen Gruman970-290-3393kathleen@berthoudrealestate.com www.berthoudrealestate.com

Pride of ownership shows in this immaculately maintained home. Bright & open w/vaulted ceilings. The garden level bsmt has plenty of room for entertaining and storage. $259,900 #622646

530 Arrowhead Drive, Loveland

OPEN HOUSE SATURDAY 1PM-4PM

Dennis ThiersCentury 21 Humpal, Inc.970-988-8272dennis.thiers@century21.com

Well maintained 1757 sf, 2BD, 2BA, 2 story patio home! 9’ ceilings, gas fi replace, covered front porch w/ mtn. views, breakfast bar, full pantry, separate dining area, and an unfi nished bsmt.

836 Welch Avenue - Berthoud

CLOSE TO EVERYTHING-$155,000

Kathy Burcham303-775-7429kathy@berthoudrealestate.com www.berthoudrealestate.com

Immaculate 3 bdrm/2 bath/ 2 ca garage ranch with over 1800 sq. ft. all on one fl oor. Located near sculpture park. 207,500 MLS #625215. 3314 Banyan, Loveland, CO 80538

3314 Banyan

OPEN HOUSE SAT. 1-3

Sirmula LanskyColdwell Banker(970) 691-0468

sirmulacb@aol.comwww.MultiMillionDollarHomes.com/loveland/

Beautiful 4bed/3bath brick ranch backs to open space & trail. Builder upgrades include hickory fl oors, granite, custom tile, full fi nished bsmt, 3 sided fi replace, landscaping & more! $369,900

4360 Fruita Drive

PRICE REDUCTION ON FORMER MODEL HOME

Michelle WilliamsPrudential Rocky Mtn. Realtors970-397-9604michelletwilliams@yahoo.com www.circlepix.com/7AA4ME

OPEN WED 11AM-1:30PM - FRIDAY 8AM-1:30PM - EVERY SUN 3PM-5PM Fantastic location on Chapman Reservoir. Lake rights, walk paths. 2+acre lots, 2 lots w/horses allowed, wakeless craft allowed.

Warberg Farm - Sophia Court

OPEN HOUSE SATURDAY 12PM-3PM

Kurt AlbersCentury 21 Humpal, Inc.970-231-1224kurtd57@msn.comwww.allcoloradohomes.com

Walkout bsmt., open fl oor plan, panoramic views. In select group of lots. Pittington Ranch. Many upgrades. Must see. W. on Hwy 34, S. on CR 29 to 18E. 2.3 miles to Flat Iron Rd., right.

NEW CUSTOM RANCH-288 RESERVOIR

OPEN HOUSE SAT. 1-4 TRADES CONSIDERED

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UP TO $199,999UP TO $199,999 $300,000 - $399,999$300,000 - $399,999FEATURED PROPERTIES - $200,000 - $299,999 FEATURED PROPERTIES - $200,000 - $299,999

$500,000 +$500,000 + LAND FOR SALELAND FOR SALE

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Saturday Reporter-Herald M ay 8, 2010 E3

H& Real Estate BriefsRE

Create a cozy study

MA RY CA RO L GARRITYSCRIPPS HO WA R D NEWS SE RV I C E

Would you love to have astudy in your home that'sboth welcoming and

hardworking? Perhaps your homeisn't outfitted with a study. Noproblem: You can easily carve oneout from a little-used room. Sparebedrooms, formal living roomsand dining rooms and extraspaces in the basement makegreat studies. Maybe your homealready has a study that you neveruse. Chances are that's becausethe space isn't designed in a waythat suits your purposes, or itsdecor pushes you away instead ofwelcomes you in.

No matter where it's located,the key to making your study suc-cessful is to first define how youwant to use it. Will this be a homeoffice? A music room? A place toread? Will you entertain in thisroom, or is a more private spacefor your family?

FURNITURE WITH CARE

Once you determine how youwant to use your study, be verythoughtful in what furniture youpick to go in it. Our study is thespot where Dan and I have ourmorning coffee, go through themail and read. So we knew weneeded comfortable seating, a fewside tables to hold reading lampsand a bookcase to store a few ofDan's books. I chose a chocolateleather sofa, then covered the seatcushions with fabric slipcovers be-cause I love the look of leatherbut don't like how it feels to siton.

If your study is rather small, try

these tips to give the illusion ofmore space. Select smaller-scalefurnishings, like a settee or loveseat instead of a full sofa. Pick fur-niture with exposed legs so theydon't create visual barriers. Optfor pieces that can serve two pur-poses, like an ottoman that servesas a coffee table and provides ex-tra seating.

SELECT A PALETTE

The color palette of your studyplays a big role in its success. Youwant this space to be welcomingand comfortable, and you want itto reflect your family's personality.We went with warm colors in ourstudy because this is our hangoutroom in the winter. I covered thewalls in richly textured grass-clothwallpaper and filled it with fur-nishings upholstered in brownsand greens.

If you want the mood of yourstudy to be tranquil and serene,fill it with whisper-soft colors likewhite, cream or gray. Or you maywant the room to be filled with in-vigorating color. Right now, lots ofyoung families are doing theirstudies in apple green and persim-mon. Yellow and gray is also a hotcolor combination this season.

BRING OUT YOURPERSONALITY WITH ACCENTS

Finish your study by adding afew carefully chosen accents thattell volumes about you. Showcasetreasures you've brought backfrom vacation, like an Africanmask or conch shell. Display a fewpieces of your favorite collections.I have a thing for old wooden box-es, so I stack several on the sidetable in my study. And, by allmeans, include lots of family pho-tos showing you and your lovedones living and loving life.

Mary Carol Garrity is the pro-prietor of three successful home-furnishings stores and is the au-thor of several best-selling bookson home decorating. Write her atnellhills@lvnworth.com.

BALDWIN NAMED TOINTERNATIONAL DIAMONDSOCIETY

Coldwell Banker ResidentialBrokerage announced thatMary Baldwin, a top-producingbroker associate in the compa-ny’s Fort Collins office, hasearned membership in thecompany’s International Dia-mond Society.

Baldwin is a member ofWho’s Who in Real Estate andhas garnered numerous salesproduction awards throughouther distinguished career. Sheholds the Graduate Realtor In-stitute, Certified ResidentialSpecialist and e-PRO certifica-tions recognizing the success-ful completion of stringent con-tinuing education courses in re-al estate. Baldwin is a graduateof the University of Arizona andis a regular volunteer for theLarimer Humane Society, theHarmony Safe House for Kidsand Partners Mentoring Youths.

The Coldwell Banker Resi-dential Brokerage office in FortCollins is located at 702 W.Drake Road, Building A, andcan be reached at970.223.6500. Baldwin can bereached directly at970.581.4034 or via e-mail atbaldwin@frii.com.

LOVELAND YOUTH GARDENERSPREPARE LOVELAND FLOWERGARDEN SHOW

A select group of Lovelandhome-owners will show off theirbeautiful flower and vegetablegardens in this annual fundrais-er for Loveland Youth Garden-ers on June 26. Admission tothe tour is $15 and childrenages 10 and under are free.

This year’s tour will featuregardens on Lake Loveland, asale of art for the LovelandYouth Gardeners by local andregional artists and a silentauction of birdbaths decoratedby area artists. Boat ridesaround Lake Loveland will beavailable for a suggested dona-tion of $5.

There will also be a lakesideluncheon for $10. There are on-ly 150 seats available, so makereservations by e-mailingjoanna@lovelandyouthg a rd e n e r s . o rg .

Tickets will be available June1-25 at these locations: FortCollins Nursery, Rowe’s Flowersand Gifts, Bath Garden Center,Loveland Garden Center &Nursery, Gateway Garden Cen-ter. Fossil Creek Nursery, Ear-le’s Flowers Gulley Greenhouseand Rabbit Shadow Farm.

COLDWELL BANKER OFFERS ABUYER BONUS SALES EVENT

Coldwell Banker ResidentialBrokerage announced thelaunch of the Buyer BonusSales Event, a national promo-tion intended to build on themomentum of the expired fed-eral homebuyer tax credit.

From now until July 31,2010, home sellers participat-ing in the Buyer Bonus SalesEvent will offer a 3 percentcredit of the accepted offerprice of their home (up to$8,000) to buyers who sign acontract before July 31 2010.There is no deadline for a clos-ing date.

In a recent survey of ColdwellBanker Real Estate profession-als, nearly half indicated thatthey had worked with homebuy-ers who would have missed outon the homebuyer tax credit inNovember of last year, had itnot been extended. In addition,while 34 percent cite the cur-rent tax credit extension as theprimary reason their customersare currently for searching for ahome, 28 percent said that theyfeel the limitations of this cred-it will prohibit some buyersfrom taking advantage of thecredit.

NEIGHBOR TO NEIGHBORSEEKS PREFERRED PARTNERS

Neighbor to Neighbor, aLarimer County non-profit thathelps families achieve home-ownership, is seeking Realtor,lender, and insurance agent

Preferred Partners for the 2010-2011 partnership year, startingin July, 2010.

“The Preferred Partner pro-gram enhances Neighbor toNeighbor’s Home OwnershipProgram, which offers free ser-vices to Larimer County resi-dents including Home BuyerEducation classes, Pre-PurchaseCounseling and ForeclosurePrevention Counseling,” saidLindsay Nichols, program direc-tor. “Clients have often askedour counselors for recommen-dations and referrals. Now,when clients come in for one-on-one counseling, we can offera list of professionals whosebusiness practices and valuesare aligned with our mission tocreate successful home own-ers.”

Neighbor to Neighbor ad-heres to the National IndustryStandards for HomeownershipEducation and Counseling.These standards meet and ex-ceed those set forth by Neigh-borWorks America and the USDepartment of Housing and Ur-ban Development. The Pre-ferred Partners agree to adhereto written standards and prac-tices. N2N partners with real-tors, lenders, and insuranceagents in a partnership feemodel to create a full-cycle ofhome ownership counseling.

This year’s Preferred Partnerswill be selected through a com-petitive process. To apply forpartnership, interested realtors,lenders and insurance agentsfrom Fort Collins and Lovelandmust attend one of two orienta-tions: Wednesday, May 12 from4 p.m. – 5 p.m. or Monday, May17 from 4 p.m. – 5 p.m. Bothorientations will be held atHome State Bank, 303 E.Mountain Ave, Fort Collins.

“Last year was the first yearof the N2N Preferred Partnerprogram, and we learned a lotabout what works well, andabout what doesn’t work aswell.” Nichols said.

Define nookand cranny

spaces in thehome

Open Houses This Weekend - www.thegroupinc.com

SATURDAY 1:00 - 3:00209 Hubbell Street, Berthoud - Why buy new when you can have this clean, clean clean 3 bedroom, 2 bath, 1554 sq. �. ranch with a 1538 sq. �. unfinished basement nestled in beau�ful Berthoud. Master suite has a 5 piece master bath and walk-in closet; refrigerator, washer & dryer included; new A/C, gas fireplace and no HOA. This is a must see home.

Call Jo Carney310-1836

$245,000MLS#621663

SATURDAY & SUNDAY 1:00 - 3:00915 Wheatridge Circle, Loveland - Custom ranch with walk-out basement situated on 2+ acres. Huge deck w/an outdoor fireplace. Quality finish in the walnut floors, �le, slab granite, alder cabinets, solid alder doors and alder trim. Basement has wet bar w/refrigerator and ice maker. 4 fireplaces of which 2 are outdoor. Over 4300 sf finished with 5 bedrooms and 5 baths.

Call John Peden227-5677

$799,000MLS#615113

SATURDAY 1:00 - 3:001441 Glenda Court, Loveland - Totally updated and move in ready! 4 bedroom home plus addi�onal space for office or exercise room. New wood flooring, carpets, kitchen appliances, doors, hardware, windows, remodeled bathrooms with decora�ve �le, new roof as of 4/16/2010. Large deck overlooks mature private backyard. Lake rights are available. HOA fee includes neighborhood pool.

Call Diana Luthi481-2692

$215,000MLS#626878

SATURDAY & SUNDAY 12:00 - 5:00939 Snowy Plain Road, Fort Collins - This 2-story offers approx 2496 finished sq � + a full unfinished bsmt. 3 beds + a lo�, 3 car tandem garage, hdwd flrs thru most of the main level, gas FP, granite counters, oil rubbed bronze door hardware, plumbing fixtures & ligh�ng pckg. Upgraded carpet & black kit appl, laundry sink, W/D incl. Lg front porch, front yard landscaping & rear yard fencing inlc. Views of Pelican Marsh.

Call Ma� Thompson443-9910

$350,000MLS#626295

SATURDAY 1:00 - 3:005415 Lighthouse Point Court, Loveland - Me�culously cared for pa�o home in Mariana Cove. Vaulted ceilings in the great room. 3 sided fireplace & freestanding gas stove. There’s a large Trex deck for entertaining or watching abundant wildlife. The garden level basement has 2 large bedrooms, family room & tons of storage space. The property is south facing! Addi�onal master associa�on fee of $279/year.

Call Denise Kloster402-9100

$350,000MLS#623164

SUNDAY 1:00 - 3:004951 Clearwater Drive, Loveland - Lovely 3 bdrm pa�o home with access to Boyd Lake! Wonderful open floor plan, private pa�o and deck, and bright daylight lower level. The original owners have cared lovingly for their home—you’ll appreciate that it’s neat as a pin, but with a contemporary flair.

Call Sally Lee227-7742

$298,000MLS#627738

SATURDAY 1:30 - 3:30146 Alabaster Way, Johnstown - Ranch on corner lot. New roof, heated 3car garage & shed. Wood floors in living, dining & kitchen. Open plan with 2 sided fireplace. New light fixtures blinds. Kitchen with loads of cabinets, breakfast bar & skylight. Awning over pa�o plus private pa�o off the main level master bed. Finished bsmt with rec room including wet bar plus family/theater room & 2nd master suite with full bath.

Call Don A. Riedel679-8265

$250,000MLS#623636

SATURDAY 1:00 - 3:00530 Deer Meadow Drive, Loveland - Quality custom from Aus�n Signature Homes. Enjoy the final opportunity for a lifestyle on Mariana Bu�e Golf Course! Golf course lifestyle with no membership fees. Peaceful, quiet se�ng with tranquil views that overlook golf course, water and the front range. Robert Walkowicz 377-4945.

Call Nancy Walkowicz461-7136

$899,000MLS#586010

SATURDAY 1:00 - 3:004310 Sunridge Drive, Loveland - This Is A Must See! Well kept ranch home w/ walkout basement, vaulted ceilings, A/C, fireplace, all new stainless appliances & a 3/4 bathroom finished in the basement. Garage & basement cabinets & shelving all stay. Beau�ful yard complete w/ sprinkler system, deck & pa�o. Great view of Horseshoe Lake.

Call Julie Hart481-1443

$217,000MLS#627111

SATURDAY 1:00 - 3:002718 Logan Drive, Loveland - Fabulous lakefront home w/private beach & dock on Lake Loveland. Bright & open 4 bd home w/ walk-out bsmt & tandem 3 car garage w/workshop. Lg custom kit w/cherry cabs & wood floors, beau�ful sunroom w/skylights that overlooks lush backyard & lake. Livingrm w/gas fireplace, DR, 2 bd & baths. Bsmt has lg FR w/wood burning fireplace, 2 add’l bd & bath. New roof & extra outside storage.

Call Carol Voorhis481-9487

$599,000MLS#616531

SATURDAY 11:00 - 1:004495 Ridgway Drive, Loveland - 5 bed, 3 bath, ranch style home. Kitchen features: wood floors, pantry, granite countertops, black appliances, island & breakfast bar. Covered pa�o, huge deck, central air, Great room w/fireplace, main level master & a master suite in the bsmt w/a 5 piece luxury bath. Bsmt w/great room & a full mini kitchen, Garage is insulated, painted & textured.

Call Amy Lane567-0816

$335,000MLS#626597

SATURDAY 1:00 - 3:004104 Redbird Place, Loveland - Enjoy this 3 bedroom, 1-3/4 bath, 1585 square foot home on over 1/2 acre property near Boedecker Lake. New carpet & paint . All season sunroom & 2 sheds with power. Plenty of room to store your RV, Big Rig or build a workshop.

Call Bob Skillman631-2257

$245,000MLS#610130

SATURDAY 1:00 - 3:002253 Jones Place, Berthoud - This 3bdrm + office, 4bath home is sure to meet your needs.You will love the GREATROOM that draws you outdoors to the pa�o& those mtn views! Your master suite w/firepl,si�ng rm& deck will be hard to leave. Each of the bedrms in this home has a private bath. Great loca�on near Loveland, Longmont & Boulder. Don’t miss your opportunity to buy the best value in this fine neighborhood.

Call Kathy Boeding231-9073

$600,000MLS#627673

SATURDAY 1:00 - 3:00 TUESDAY - SUNDAY 1:00 - 4:005258 Rangeland Avenue, Loveland - Beau�ful ranch style home! Fabulous quality throughout!You will enter into a very open floor plan,vaulted ceilings,wonderful kitchen with Tharp cabinets,Cambria countertops,sleek black appliances including the refrigerator.This home is complete with tandem 3 car garage,front yard landscaping,A/C & covered back pa�o!

Call Jesse Laner672-7212

$344,900MLS#607235

Call Val Schlageter217-3464

4635 Tarragon Drive, Loveland - Tired of yardwork? Visit our furnished model hm at The Pa�os at Thompson Crossing. 6 ranch plans, 3 car gar op�ons, garden level lots, views, low HOA dues. Convenient loca�on, yet tucked away; million $ sculpture walk, trail, open space close to I-25. Low maintanence living at it’s best!

Priced From $324,000MLS#607818

The SourceSee The Northern Colorado

Real Estate Source in today’s newspaper

Or view it online at www.thegroupinc.com

LAKEFRONT ON LAKE LOVELAND

PRICE REDUCED!

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E4 Saturday Reporter-Herald M ay 8, 2 0 1 0

Real Estate Trans-actions are suppliedby Prospects Unlimit-ed Inc., 1151 EagleDrive No. 467, Love-land, CO 80537, 667-1537.

L oveland• Benjamin Pierce

from 1500 FallsCourt LLC, 1500Falls Ct, Loveland,$162,500, home

• Leah & CliffordJohnson fromAragon Patricia J,703 Grant Ave,Loveland, $160,000,home

• Desiree Greenofrom Bahlmann Lav-ern E Jr, 4857 Roo-sevelt Ave, Loveland,$127,500, home

• Quentin & CarolGauerke from Bar-ber Lloyd & Suzette,605 W 29th St,Loveland, $175,000,home

• Mary Lowryfrom Brantley Dono-van & Morgan, 140Carina Cir Unit 104,Loveland, $137,000,condo

• Twin Lllp fromBts Loveland AaLLC, 250 5th St,L oveland,$1,384,300, home

• Epicoutfit LLCfrom Citadel Col-orado WarehouseInv, 1268 S GrantAve, Loveland,$150,000, home

• Carlee Seebafrom Federal HomeLn Mortgage Corp,1692 Rhyolite St,Loveland, $165,000,home

• Kurt & KathleenTaylor from FritzCharles G & VeldaMae, 367 Terri Dr,Loveland, $116,000,home

• Harry & ElizabetWalton from Gerard

E Arlene C Schoen-herr T, 2702 Mcken-zie Dr, Loveland,$348,000, home

• Citadel Inv fromJart Co LLC, 1276Grant Ave, Love-land, $170,000,home

• Johnson fromJohnson Keith W &Michael C, 142726th St Sw, Love-land, $259,500,home

• John & VickiNew from LangfordFrances D, 1531Bentgrass Dr, Love-land, $200,000,home

• Joe & Sheila Os-ebold from MitchellGeraldine J, 216Reagan Dr, Love-land, $196,200,home

• Sherri Gattisfrom Osebold Joe E& Sheila T, 3330Williamsburg St,Loveland, $222,500,home

• Richard & Phyl-lis Johnson from USBank, 623 PeachTree Pl, Loveland,$144,900, home

• Matthew &Leesa Hailey fromVelasquez A L &Mary Louise, 3393Crowley Cir, Love-land, $335,000,home

• Faith Burnhamfrom Wda HoldingsLLC, 2006 Agate Ct,Loveland, $180,000,

home• Robert & Patri-

cia Bos from FannieMae, 514 Sherri Dr,Loveland, $155,000,home

• Summit LLCfrom Fnl Inc, 5802Wright Dr, Loveland,$925,000, home

• Jeffrey Moe fromGolden David J &Connie J, 10246Scrub Jay Rd, Love-land, $235,000,home

• Pico LLC fromJohnson Sons, 2331S County Road 7,Loveland, $550,000,home

• Joseph Lowefrom Macdonald Al-istair & Binmatti,643 Vera Ct, Love-land, $124,000,home

• Justin & ElainaBoling from Oak Val-ley Homes LLC, 235Carina Cir Unit 106,Loveland, $150,000,condo

• Edward & NancyBrigden from Spoel-ma Sherrell &Daniel, 5130 CoralBurst Cir, Loveland,$312,000, home

• Steve Bogartfrom Sterud Pene-lope, 1127 WinonaDr, Loveland,$150,000, home

• Aspen Inc fromKendall Brook Llc,4355 Ridgway Dr,Loveland, $150,500,home

• Jean & EverettFuller from LuverneW Fletcher Trust,793 Milner Ct, Love-land, $291,500,home

• Michael & Katri-na Lacy from Mc-donald Michael &Idali, 1515 TigerAve, Loveland,$212,000, home

• Dale & JenniferDaniel from Thrash-er Regina, 1598Cheetah Pl, Love-land, $241,500,home

• Miriam Josephfrom Wynkoop Tracy& Marian Steele,2096 Wimbleton Dr,Loveland, $212,000,home

• John Hernandezfrom Vasquez EnricoMario & Denise Mil-lis, 881 19th St Sw,Loveland, $155,000,home

• Marcus & LucasCaudill from WellsFargo Bank, 1006 E2nd St, Loveland,$118,600, home

• Jennifer Yarberfrom Oak ValleyHomes LLC, 235Carina Cir Unit 104,Loveland, $154,000,condo

Berthoud• Esther Wilcox

from Berry Verne P& Beverly F, 200 ENebraska Ave,Berthoud,$230,000, home

• Jerrie & MaryMunn from GensickiJohn W & Carol A,648 N 4th St,Berthoud,$149,800, home

Estes Park• Firebird LLC

from Jc EnterprisesLLC, 191 W ElkhornAve, Estes Park,$315,000, home

• Barbara & Mar-tin Zielinski fromWorthen David C,123 Meadowview Dr,Estes Park,$420,000, home

• Leslie Kelleyfrom Ernst RuthBleuler Revocable T,2561 Carriage Dr,Estes Park,$310,000, home

• Suzanne Makifrom Harris CharlesF, 514 Grand EstatesDr Unit A4, EstesPark, $183,000, con-do

• Lynda Thomp-son from NewtonHenrick, 1211Glacier View Ln,Estes Park,$285,000, home

• James & LynnWainwright fromParker Richard W &Sharon K, 1880Sketch Box Ln Unit9, Estes Park,$322,000, condo

• Donald & De-siree Patterson fromRinggenberg DanielR & Eleanor F, 2162nd St, Estes Park,

$239,000, home• Michael & Glen-

da Collins fromDwayne P HermanTrust, 1890 DevilsGulch Rd, EstesPark, $1,225,000,home

• Debreon & De-breon Hendricksonfrom Hund MichaelJ & Zenitha A, 821Fawn Ln, Estes Park,$287,000, home

• Connie Wynnfrom Koste Leone L,1010 S Saint VrainAve Unit F3, EstesPark, $155,000, con-do

• Christopher Rev-eley from Quint Ur-ban & Jeanine A,665 Freeland Ct,Estes Park,$569,900, home

• Robert & EllenMeinking fromSreenivas Vemula-palli, 514 Grand Es-tates Dr Unit A1,Estes Park,$195,000, condo

Johnstown• Matthew &

Leigh Hannah fromDolton RobertDaniel & Mary, 3614Dilley Cir, John-stown, $197,000,home

• Steven & PaulaSnodgress fromGranite Rentals Inc,3016 Woodbine Ln,Johnstown,$185,500, home

• Joseph & Patri-

cia Kiovsky from Mc-makin James & Lau-rie, 2241 MandarinCt, Johnstown,$324,000, home

• Gino Martinezfrom OakwoodHomes LLC, 3855Kenwood Cir, John-stown, $191,500,home

• Holly & SamChesher from BkNew York Mellon,635 Torrey Pines Ln,Johnstown,$157,000, home

• Gayle & PatriciaBuman from RylandGroup Inc, 190 Bit-tern Dr, Johnstown,$242,000, home

M i l l i ke n• Carey Booker

from Doyle Robert R& Rhonda L, 1537 SFrances Ave, Mil-liken, $141,500,home

Windsor• Rose Fore from

Bank Choice, 4811Freehold Dr, Wind-sor, $339,500, home

• Andrew & KyraKnapp from BrinkScott A & Kelley K,2109 Outer BanksCt, Windsor,$328,500, home

• Greg Nicholsfrom Morequity Inc,1001 Glacier Ct,Windsor, $167,000,home

H& Real Estate TransactionsRE

NAR grants help make homeownershipmore affordable for working familiesNAT I O N A L AS S O C I AT I O N OF RE A LT O R S

Despite today’s tight economy,many areas of the countryhave not seen a significant

drop in their high cost of living. Tohelp meet this critical need for moreaffordable housing for low- to mod-erate-income working families, theNational Association of Realtors hasawarded more than $3.4 millionthrough the Ira Gribin WorkforceHousing Grants program.

Teachers, firefighters, police offi-cers, and restaurant and retail work-ers provide vital community services– however, they often cannot affordto live in the communities wherethey work. This segment of the pop-ulation can be shut out of the localhousing market in high-cost com-munities, which can lead to longercommutes, sprawl and traffic con-gestion.

Ira Gribin Workforce HousingGrants are awarded to state and ter-ritorial Realtor associations to helpfund programs that promote safe,decent housing for people with lowand moderate incomes. Establishedin 2009, the program is named inhonor of Ira Gribin, a former NARpresident who was a tireless advo-cate for fair and affordable housingfor diverse populations.

“Realtors build communities and

care about the high cost of housingand the lack of affordable, decenthomes available to working familiesin many of our communities,” saidNAR President Vicki Cox Golder.“Realtor associations are workinghard to address affordability prob-lems in their states, and through theIra Gribin Workforce HousingGrants program, they are able toprovide even more affordable hous-ing opportunities to working fami-lies. That’s good for the entire com-m u n i t y. ”

Grants can be used to support abroad range of workforce housingsolutions, including down paymentand financial assistance programs,home buyer or Realtor education,public awareness and advocacy cam-paigns, and housing constructionand rehabilitation. The one-timegrants are awarded on a sliding scalebased on Realtor association mem-bership. To date, NAR has awardedgrants to 31 Realtor associations, to-taling $3,443,500.

The following state Realtor associ-ations or their foundations havebeen awarded an Ira Gribin Work-force Housing Grant since the pro-gram’s inception: Arizona, Califor-nia, Colorado, Delaware, Florida,Hawaii, Idaho, Illinois, Kansas,Maine, Maryland, Massachusetts,Michigan, Mississippi, Missouri,

Montana, Nevada, New Hampshire,New Jersey, New York, North Caroli-na, Oregon, Pennsylvania, SouthCarolina, Tennessee, Texas, Utah,Virginia, Washington, West Virginiaand Wisconsin.

A new NAR report, “Ta c k l i n gWorkforce Housing State by State,”describes the status and progress ofthe 2009 Ira Gribin Workforce Hous-ing Grant recipients. The report pro-vides detailed program summariesand contact information for each ofthe grantees and is available atw w w. r e a l t o r. o rg / i r a g r i b i n g r a n t .

“The ‘Tackling Workforce HousingState by State’ report is a great re-source for Realtors or communityorganizations who are looking for aguide or need inspiration to handleworkforce housing issues in theirown community,” said Cox Golder.

The two-year grant program con-cludes at the end of 2010; applica-tions are due no later than October31, 2010. For more informationabout Ira Gribin Workforce HousingGrants, visit www.realtor.org/IraGribinGrant.

The National Association of Real-tors, “The Voice for Real Estate,” isAmerica’s largest trade association,representing 1.1 million membersinvolved in all aspects of the residen-tial and commercial real estate in-dustries.

H& Real Estate NewsRE

MCNS

Buying a home is of-ten a difficult thingto do. One way to

make the process a lot lessanxiety-ridden is to workwith a real estate agentyou can trust. Those in themarket for an agent tohelp navigate the homebuying process should con-sider the following tips.

• Find an agent first,then a property. It is im-portant to find a real es-tate agent before lookingthrough home listings.This allows the buyer to

choose their agent basedon merit and not due tothe potentially glitzy hous-es he or she may have list-ed previously.

• Find someone with atrack record. Real estatecan be an exciting and fi-nancially rewarding indus-try in which to work. As aresult, lots of people wantto be real estate agents,even though few succeedand last a long time. Wheninterviewing real estateagents, inquire about theirhistory in the business. Amore experienced agentwill make things far less

stressful and easier, and along career indicates theyare good at what they do.

• Don’t place too muchemphasis on agency size.Real estate agencies comein all shapes and sizes.When it comes to ability,the size of the agencyshould not factor in. Asmaller independent agen-cy can be just as qualifiedand reliable as one of themajor franchise agencies.Buyers who find someonethey trust should go withthat person, regardless ofhow big or small theiragency is.

• Get a referral. Friendsand family members whohave been through thebuying process beforemight be great resources.Buyers looking in “To w nX” who have friends orfamily already living thereshould consult thosefriends or family and askfor any agent referrals.Those relocating becauseof work should ask theircompany to refer an agent.Chances are companieshave relocated employeesin the past and might havea strong relationship withan agency in town.

How to find the right real estate agent

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Saturday Reporter-Herald M ay 8, 2010 E5

H& Featured Home PlanRE

Arvadaoffers modest

invitation

AS S O C I AT E D DESIGNS

Lofty yet unimposing, the Arva-da’s arched entry porch invitesvisitors to step inside this mid-

size contemporary home. Attractiveturned brick caps rim the upper edgeof the brick wainscoting, and multi-paned windows add sparkle.

Light washes into the entrythrough both a sidelight and anarched clerestory window. Doubledoors on the left swing open into avaulted living room expanded by abroad window bay. Step through thewide opening on the right side of theentry, and you find yourself in thedining room. A pocket door offers ac-

cess to the kitchen, or separationfrom the noise and clutter there.

From the arched opening at theback of the entry, you can head intothe kitchen and vaulted family room,or proceed on through double doorsinto the owners’ suite.

This kitchen is larger than it seems,if you take the huge walk-in pantryinto account. Standing at thekitchen sink, you can interact withfamily and friends at the raised eat-ing bar, watch flames in the directvent gas fireplace, keep track of ac-tivities in the family room or gaze outthe sliding glass doors.

The built-in desk makes a conve-nient phone location and comes inhandy for keeping tabs on householdfinances. The overhead shelves canhold a library of cook books.

Laundry appliances are nearby in apass-through utility room that con-nects to the garage. This space has along folding counter, and can serve

as a mud room, great for wipingmuddy paws or shucking off messyfoot gear.

Sliding glass doors in the Arvada’sowners’ suite offer direct access tothe generously sized patio that spansmost of the rear. Luxury features in-clude: a large soaking tub, doublevanity, spacious walk-in closet andseparately enclosed toilet and show-e r.

For a review plan, including scaledfloor plans, elevations, section andartist’s conception, send $25 to Asso-ciated Designs, 1100 Jacobs Dr., Eu-gene, OR 97402. Please specify theArvada 30-261 and include a returnaddress when ordering. A catalog fea-turing more than 550 home plans isavailable for $15. For more informa-tion, call 1-800-634-0123, or visitw w w. A s s o c i a t e d D e s i g n s . c o m .

Every inch of thehome is plannedfor efficient space

CANDICE OLSONHGTV

Newlyweds Nuala and Davidthrive on excitement.They’ve traveled the world

participating in adventure racesand fell in love in the wilderness.After the wedding, they tackled acomplete renovation of theirhouse built in 1926. They’vebeen living with her parents

while managing a constructionprocess that has left them so ex-hausted they couldn’t imaginewhat to do with their blank slateof a bedroom. While they maylive for adventure, Nuala andDavid definitely play it safe whenit comes to decor. So safe, it bor-ders on blah.

But a neutral palette doesn’thave to be boring. That’s where Icome in, with my trusty team tocreate a space that combines thecouple’s love of the outdoorswith the easy, modern elegancethey’ve longed for.

Freshly dry-walled, the roomwas the perfect size for a mastersuite and already had a spaciouswalk-in closet — a key ingredientfor a happy relationship. Vintage

stained-glass windows, a non-working fireplace and radiatorsadd a sense of history. The high,vaulted ceiling gives an airy feel-ing, and a lovely wall of windowsframes the gorgeous view.

The secret to decorating withneutrals is to use texture, depth,pattern and layers to add excite-ment, richness and elegance.With some beautiful fabrics andshades of neutral gray for inspi-ration, I chose a soft bluish-graypaint for the wall color, a crispcoat of creamy white for thebaseboards and cabinetry andhad dark hardwood installed onthe floors.

The next task: Turn the non-working fireplace from an eye-sore into a focal point in the

seating area. Because the coupleLOVE the outdoors, I decided tobring a taste of the outside in-side by creating a cool featureabove the mantel. We built adeep frame and filled it withsmall pieces of wood cut fromsplit logs, then highlighted therustic wood with crystal sconces.Above, we installed a crystalchandelier in a style in keepingwith the vintage flavor of thehouse, but in polished chrome toadd modern flair. I added a softgray-blue love seat, perfect forlounging. And to complete theseating area, custom cabinetryprovides storage and displayspace while discreetly concealingthe old radiator.

I believe every bedroom de-serves delicious fin-ishes. So in thesleeping area, wepainted the featurewall a deep silveryblue and created aheadboard in richcharcoal-gray velvetwith silver nail trim.We dressed the bedwith luxurious fab-

rics in shades of gray, silver,white and cream. Flowing linendrapery panels with an elegantblue and brown stripe mesh withthe blue of the walls and thechocolaty shades of the floor andwoven wood blinds.

More excitement comes fromeclectic and unexpected touch-es. An exotic fan worthy of theAfrican Queen draws your eye upto the vaulted ceiling while keep-ing the room comfortable. And achair, table and zebra-print rugtucked into the nook on the farside of the bed finish the roomwith panache. Nuala and David’sbig white box of a bedroom hadno sense of adventure, so weturned it into a rustic, refinedand romantic retreat.

HGTV photosAbove, before the transformation. Right, an adventure filled room.

Interior decorator CandiceOlson is host of HGTV’s“Divine Design.” For moreideas, information andshow times visitwww.HGTV.com orw w w. d i v i n e d e s i g n . t v.

Divine Design

An adventureloving couple

take on too bigof a challenge

Adventure RespiteH& Divine DesignRE

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E6 Saturday Reporter-Herald M ay 8, 2 0 1 0

H& Real EstateRE

Research all aspects of title insurance

RHEMA MUNCYSPECIAL SECTIONS

One of the final steps ofthe homebuying processis the acquisition of title

insurance. Offering more thanjust a certificate of ownership,this home industry has a historyreaching back to the late1800s. Titles were instituted toprotect all parties from harmduring the buying process.

“We are the middle man andthe neutral third party,” saidPennie Patton, senior vice presi-dent of United Title in Love-land. “We take the contract anddo a search on the property tomake sure there are no liensand that the people who saythey own it actually do. We han-dle the money and documentsand then we also handle therecording to make sure the titleis transferred to the buyer.”

Business development manag-er Teri Rogers of North Ameri-can Title in Loveland tells cus-tomers that title insurance in-sures the past.

“We ensure there are no lienson the property, and if we findthem, the seller has to cleanthem up before selling,” Ro g e r ssaid.

A lien can be placed by any-one who has performed a ser-vice for a home owner and thehome owner has either refusedto pay or they are unable to pay,Rogers said. Liens can cover afence contractor who was neverpaid, contractors who build new

properties and do not receivecompensation because thehomes do not sell, HOA defer-ment, refusal to pay child sup-port and a host of other rea-sons.

Liens are processed at theClerk and County Recorder of-fice, and sometimes homeown-ers say they are not aware of theliens even though they all re-ceive a written notice that a lienhas been posted against them.

Business development manag-er of The Group Guaranteed Ti-tle Cheri Knopinski regards a ti-tle as a document that makessure all parties understand whois currently on the title.

“When we sit at the table weare conveying property that isfree and clear,” Knopinski said.“We want to make sure we aredoing our job to make sure thepath is clear of the judgmentsin lien. We don’t close until theissues are closed.”

After all of the hurdles arecrossed, Rogers said the sellercan legally hand over the deedto the buyer. Title companies fa-cilitate this closing process, act-ing like a mediator between re-altors and the other parties in-volved to ensure that all kinksare worked out.

“These days the qualificationsare very thick based on the pastand lenders that were lying andfudging paperwork and peoplesaying that they made morethan they did to get a biggerloan,” Rogers said of the newhousing market. “If there is aproblem we step in and provideinformation on what doesn’tseem right to see if a re-negoti-ation is needed.

A property can’t reach theclosing table until a title com-pany allows the transaction, astamp of approval showing that

the company has thoroughly re-searched public records and ver-ified the identity of all partiesinvolved. If the company missesanything, it is their responsibili-ty to make the situation right.

CHOOSING A TITLE COMPANY

Usually the seller chooses a ti-tle company because they payfor the service, Patton said.However, if a buyer wants to,they can request to supply theirown title company. It is Section9 of RESPA (Real Estate Settle-ment Procedures Act) that pro-hibits a seller from forcing abuyer to use their title companyeither directly or indirectly as acondition of sale. Buyers maysue a seller who violates thisprovision for an amount equalto three times all charges madefor the title insurance, the sec-tion said.

A buyer who decides to re-quest their own title companywill probably shoulder the re-sponsibility of paying for the ti-tle insurance, Rogers said. Onepossible solution she suggestedwas for a buyer to offer belowthe asking price and then statethat they will pay for the title in-surance process in the contract.

In essence, both sides shoulddo their research on the titlecompany’s policies. Patton saidthat some title companies arefarming out their research pro-cess to other offices in thecountry or ever overseas compa-nies.

“A title is a regional thingand should be done by peoplewho know the customs of thearea,” Patton said. “When theygo over seas, the search missesa lot of the problems. The ex-aminer can only interpret theinformation they are given, andif they are given false informa-

tion, something will be missed.”Going over the paperwork

provided by the title companyto make sure there are no loop-holes in the contract regardingresponsibility evasion becauseof bad research practices couldsave headaches down the road.

“There are situations wherethe title insurance will cover it,but when you are in your newhome, you don't want to havethe problem in the first place,”Patton said.

OWNERSHIP INTERESTS ANDTENANCIES IN COLORADO

The Group Guaranteed Titleprovided information about dif-ferent ownership designations.

• Joint Tenancy — Each indi-vidual owner must have equalright to possess, use and enjoythe property. All joint tenantsmust take the title at the sametime with the same deed orlease. Each owner must be vest-ed equally with the property. If ajoint tenant dies, the title willvest in the surviving owner.

• Tenancy in Common —This designation is for peoplewho own a percentage of theentire property and each tenantowns an undivided interest withno right of survivorship. Unlessa deed states otherwise, proper-ty held by two or more peopleremains in common.

• Sole Ownership — A soleperson owns the property andthey can use it, rent it, sell it orgive it away.

• Life Estate — This owner-ship lets a person live in theproperty as long as they arealive. When they die, the prop-erty held passes to another. Alife estate can deed a propertyto someone else while reservingthe owner’s right to live there.

Why titleinsurance

Title insurance assures both thebuyer and seller that the prop-erty under negotiation is clear

of all title defects. These are exam-ples of buying and selling situationsthat are covered under title insur-ance provided by The Group Guaran-teed Title.

• Documents executed under false,revoked or expired powers of attorney

• Undisclosed heirs• False impersonation of the true

land owner• Failure to include necessary par-

ties to certain judicial proceedings• Defective acknowledgements

dues to improper or expired notariza-tion

• Gaps in the chain of title• Mistakes and omissions resulting

in improper searching• Forged deeds, mortgages, wills,

releases of mortgages and otherinstruments

• Inadequate legal descriptions• Duress in execution of wills,

deeds and instruments conveying orestablishing title

• Issues involving delivery ofconveyance instruments

• Deeds, mortgages and wills bypersons lacking legal capacity

• Issues of rightful possession ofland

• Issues concerning unlawfultakings by eminent domain orcondemnation

• Forfeitures of real property due tocriminal acts

• Interests arising by deeds offictitious parties

• Adverse possession and probatematters

Titles protectboth sellersand buyers

saturday sunday

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

For details about these open houses, see the ads in this section. For additional open house listings, please check the “Real Estate Classifi eds” 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

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PRICE LOCATION ADDRESS HRS OFFICE PHONE

SE LOVELAND WARBERG FARM – SOPHIA CT 3-5 CENTURY 21 HUMPAL, INC 663-2400

$149,900* NW LOVELAND 43RD & WILSON AVE THE COTTAGES AT ENCHANTMENT RIDGE 12-5 THE COTTAGE REALTY 532-5900

$169,900* NW LOVELAND 4403 ELLIOT PLACE 12-5 THE COTTAGE REALTY 532-5900

$184,900* NW LOVELAND 3399 FOSTER PLACE 12-5 THE COTTAGE REALTY 532-5900

$227,900 NW LOVELAND 4496 HAYLER AVE 12-5 THE COTTAGE REALTY 532-5900

$264,950 NW LOVELAND 4475 HAYLER AVE 12-5 THE COTTAGE REALTY 532-5900

$298,000 NE LOVELAND 4951 CLEARWATER DRIVE 1-3 THE GROUP, INC. 227-7742

$324,000 SE LOVELAND 4635 TARRAGON DRIVE 1-4 THE GROUP, INC. 217-3464

$350,000 FORT COLLINS 939 SNOWY PLAIN ROAD 12-5 THE GROUP, INC. 443-9910

$422,500 MILLIKEN 700 MILL IRON ROAD 2-4 THE COTTAGE REALTY 227-3893

$799,000 SW LOVELAND 915 WHEATRIDGE CIRCLE 1-3 THE GROUP, INC. 227-5677

Saturday Reporter-Herald M ay 8, 2010 E7

GLINKFrom Page 1

these circumstances may not have asay in the sale of the home.

One particular issue, however,comes to mind. The child with thepower of attorney needs to makesure that he or she has the legalpower to do certain things and takecare of certain affairs of the parent.If the parent still has the capacity tomake his or her own decisions, thepower of attorney may not be effec-tive. Some powers of attorney areonly effective upon the occurrenceof certain events. If a parent isincapacitated and in the hospital,the child has the right to take cer-tain actions using the power of at-t o r n e y.

In other cases, the parent mightneed to be declared legally incom-petent for the child to use the pow-er of attorney. For this reason, thedesignated person needs to under-stand under what circumstance heor she can use the power of attor-n e y.

The child with the power of attor-ney should speak to an elder law at-torney to get some guidance aboutwhat to do with the property andevaluate whether selling is in theparents’ best interests.

Question: I am in a good place,but not sure what to do next.

I have no debt other than myhome. My wife’s 401(k) account atwork is maxed out. We both haveRoth IRA’s that are maxed out.

I have $48,000 sitting in the bankdoing nothing for me, and I amlooking to buy a new home. The oneI have now has about $71,000 in eq-uity in it.

The only thing I have not done isopen up a 401(k). I own my ownbusiness so I could take that$48,000 and put it in my Solo401(k) or I could add it to the downpayment for the new house, or per-haps you have a better investmentsuggestion.

What do you think I should dowith the cash?

Answer: There’s no contest: Putthe cash into a solo 401(k) accountand diversify your investments.

You have already have a lot of equi-ty that you’ll be able to use once yousell your home. If you decide to buybefore you sell, you’ll have to haveenough cash for at least a down pay-ment of 5 percent (less if you’regetting an FHA loan) or 20 percentif you want to get better loanterms and avoid paying a fee forprivate mortgage insurance premi-ums.

Since the market for sellers hasbeen very slow, I’d recommend try-ing to sell before you buy, even ifthat means making an interimmove to a rental unit while you’retrying to coordinate the buy andsell.

The good news is that it soundslike you’re in reasonably good finan-cial shape — no small matter giventhe recent state of the economy.Congratulations.

Question: My mother is 85 and inreasonably good health. I have a sis-ter who lives with her.

My sister does not work. Momwants to leave the house to herthree children. My sister will neverleave the house, has no money and

has an attitude. Upon Mom’s pass-ing I can see a real sticky situationwith the house.

I don’t want a fight. What wouldyou recommend? What are the taximplications of inheriting theproperty, because I know she couldnot afford to pay the inheritancetaxes?

Answer: L et’s start with the easypart of your question: Inheritancetaxes.

There probably wouldn’t be any in-heritance taxes on the transfer ofthis property. Even if Congressdoesn’t fix the estate tax, yourmother would still be able to leave$1 million tax free to her heirs.

If she has assets that exceed thatnumber, you should find a good es-tate attorney and work on settingup some ways to transfer that mon-ey. Possible options include settingup trusts and making cash gifts nowto you and your siblings, and con-tributing to any grandchild’s 529college savings plan.

But I’m guessing your motherdoesn’t have that kind of cash. Itsounds as though she probably hasthe house and maybe a small bankaccount or two. And, yes, you willhave some problems.

Ideally, your mother would putthe house in a trust and name herheirs as the beneficiary of thetrust. After she dies, the housewould bypass probate and transferdirectly into your name and your sis-ters’ name. At that point, her trustcould instruct the trustee of thetrust to sell the house and pay anyproceeds evenly between the chil-dren.

Otherwise, if all three of you endup owning the home, you’ll have tosee if your sister is willing to sell thehouse or buy your share from you.You can also just continue to letyour sister live in the house, as longas she pays the ongoing expenses.When the house ultimately sells,you’ll get your share of the value atthe date of sale.

However, as I have written in manycolumns over the years, there alwaysseems to be problems in these ar-rangements.

The reality of how this plays outwill depend on your sister’s state ofmind at the time your mom dies. Ifshe feels like she’s losing her home,livelihood, and mom all at once,she could be quite fragile and diffi-cult.

You should have a heart-to-heartconversation with your mom now, soyou understand what is going tohappen and if any plans have beenmade. If your mother hasn’t yetwritten a will or put other actionsinto motion that would affect the ti-tle to the property after her death,now would be a good time to setthings up.

If your mother expresses her wish-es today and you are able to discusseverything now, you can documentwhat she wants to do and hopethere are no issues later on. Be pre-pared to find out that your momtransferred ownership of the houseyears ago to your sister in exchangefor taking care of her.

Still, it’s better to find that outnow than have an extremely un-pleasant conversation after the fu-neral.

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E8 Saturday Reporter-Herald M ay 8, 2 0 1 0

2 BDRM Townhouse Apt-with DW, W/D hkups, patio& storage shed. 1408 S.Douty. (South of HP).Loveland, CO. No pets.$535/mo. 970-663-9066

2 BDRM, Country Setting,S of Loveland. Very clean!W/D included, $645/month.

Call 970-689-2690

2 BDRM- 521 E. 13th, $525/mo. Cat ok. Wall A/C.rmpm.com 970-669-0842

2 BDRM- 3645 Butternut,$550/mo, Bright, NICE!rmpm.com 970-669-0842

2 BDRM- 3526 Butternut,$550/mo. 2-Story,

1/2 MONTH FREE!rmpm.com 970-669-0842

2 BDRM, 1 BA, no pets,1145 E 5th St. New

remodel. $535FPI 970-663-4664

2 BDRM, 1 BA, heat paid,no pets, 1656 E 16th St

$550/mo FPI 970-663-4664

2 BDRM, 1.5 ba, 4 plex. N.Lvld. Pet nego. $635, Waterpd avail 6/1. 970-669-2269

2 & 3 BDRM, cent. loc. Newcarpet/paint. Fncd yd, N/P.Ht/Wtr pd! 970-308-7387

1 & 2 BDRM, quiet, nearHP. LOVELAND´S BEST

FOR THE MONEYGarage with storage, A/C.Coin-op. $505 & $555. Nopets. Call 970-669-3826.

1 BDRM, clean, close todowntown, refs. $450. Nosmoke/pets. 970-593-2401

1 BDRM, 604 E Eisenhower$495. Util inc, new carpetrmpm.com 970-669-0842

1 BDRM 1 BA, LARGE.Newlisting! Near LakeLoveland. No smk/pets.$500/mo includes utilities.

970-667-9007

1 rm, Studio+ Vintage apts0 utils! On-site mgmt. W/D,DirTV $333-590 970-219-8162

1 rm, Studio+ Vintage apts0 utils! On-site mgmt. W/D,DirTV $333-590 970-219-8162

Apartments/Unfurnished 4030

ALL BILLS PAID!!!1 BDRM/studio, DowntownLoveland. $475-$550/mo.

Call 970-391-0834

Apartments/Furnished 4010

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

FFAAXXUUSS

YYOOUURRCCLLAASSSSIIFFIIEEDD

AADDIt’s fast! It’s easy! Useyour FAX machine tosend us your classifiedads. RReeppoorrtteerr--HHeerraallddFFaaxx nnuummbbeerr 663355--33667777..

3 bdrm, 1 ba duplx, 504Jocelyn SW Loveland, dblgar, WD, fncd, no pets $775dep + $775 rent. Avail 6/1.

970-586-1669

2 BDRM- 2531 Garfield,$575/mo, pets nego

rmpm.com 970-669-0842

2 BDRM- 2354 SW 10th $5501/2 mo/FREE, Wall A/Crmpm.com 970-669-0842

2 BDRM, 1 BA duplex. 1802Hilltop Ct. Gar, A/C,spnkler, cov patio, lndryrm, new W/D, quiet wsideneighborhd. No smk/pets.$750/mo + dep. 970-217-2853

2 BDRM, 1807 E. 16th, $550/mo, W/D hookups, Callrmpm.com 970-669-0842

2 BDRM, 1211 Redwood,$695/mo. Finished bsmtrmpm.com 970-669-0842

Duplexes 4060

3 Bdrm- 2.5 ba, 2122 SW 3rd,$950/mo. Unf bsmt 2 CG.rmpm.com 970-669-0842

2 Bdrm + Office Beautiful2 Ba Townhome. NearCenterra/I-25! Deck w/views, all the +s! $1095

drakemanor.com970-493-4052

Condos/Townhouses 4050

FOR LEASE: LovelandWarehouse- 14,000 Sq Ft,

mostly retail finished.$9,000/net per month.

Call (970)535-6074

Approx 800 SF, 1st floorcommercial/office space.Mountain Ave., Berthoud$700/mo + dep 970-532-2652.

Approx 700 SF, 2nd floorStorage/Office, NW cornerBunyon & 1st , Berthoud.$575/mo + dep 970-532-2652.

40X60 SHOP- w/separateoffice. $1000/month.

(719)433-5095

CommercialIndustrial 4040

Unfurn Studio, utils paid,no pets, 122 E 4th St Unit 7.

$425 FPI 970-663-4664

3 BD or 2 BD- Free rent!Pets nego. Quiet & spac.

$625-$695. 970-223-1349

Apartments/Unfurnished 4030

On Mariana Golf Course.Exec 3 BDRM, 3 ba, 2 car,vaulted, office, many up-grades, must see. No pets/smoke. 970-663-7474

3 BDRM 2.5 ba + loft,Beautiful newer home! up-graded kitchen, 2 car, A/C,no pets, Centerra, $1250/

mo. 970-797-2518

3 Bdrm 1 Ba Ranch-StyleHome-NW Loveland!

Hardwood floors,greatfenced yard,quiet! $1195

drakemanor.com970-493-4052

NO TAX CREDIT ~NO WORRIES

Still great reasons to buy!~ Low fixed interest~Home prices still low~

100% financing~Build equity.

Quick, easy & free toqualify. Give us a call

today and we´ll getyou started!

Ken or TammyWestern Plains Realty

970-663-5008

1 Bdrm + Office/DenVintage Home on

1.1 Acres! New carpet,lg kitchen, fenced, attic &

cellar storage! $850drakemanor.com970-493-4052

EQUAL HOUSINGOPPORTUNITY

All real estateadvertised in this

paper is subject to thefederal and state Fair

Housing Act whichmakes it illegal to

advertise “anypreference, limitation

or discriminationbased on race, color,

religion, sex, handicap,familial status or

national origin, or anintention to make any

such preference,limitation, or

discrimination.”

The newspaper willnot knowingly acceptany advertising for

real estate which is inviolation of the law.

All persons are herebyinformed that all

dwellings advertisedare available on anequal opportunity

basis.

Houses 4080

INDOOR GARAGE &Commercial Storage

20x40 or 20x50 start at $325,9x29 w/ gar door $200;10x10 $75; 12x5 $50; 10x5 $40I-25 & Hwy-66. 970-535- 6074www.Longmont-storage.com

GARAGE- $950/mo. 2450 SqFt, Commercial, 1 bath.rmpm.com 970-669-0842

Garages/StorageSpaces 4070

Eagles ExtraOnline

reporterherald.com

HOME NEEDED!4/5 bdrm, in Lvld/Ft.

Collins. 2 + yr term orRent-to-own. 970-308-4538or drake_999@msn

WantedTo Rent 4170

OFFICE, RETAIL,INDUSTRIAL. UTIL´S

INCLUDED. 970-667-3338

Office Space 4100

NEW HOMES REDUCED!Don´t miss out on this

SAVINGS EVENT! Easyapproval, quick closings &

affordable payments.Tax ID´s welcome. Limitedavailability ACT NOW!!

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Move in May for $1!!!!NO JOKE

Only 3 homes available,Quick & Easy Approval

Look today, MOVE TODAYCall 970-482-8488 wac

✭ 2 BEDROOM Home ✭$575+dep. West Hwy 34.

970-690-9049

2 BDRM, 1109 E 4th,$525/mo. Newer carpet.rmpm.com 970-669-0842

Mobile Homes/Spaces 4090

✔✔✔✔To ensure you receive

the best response to youradvertisement, pleasecheck your ad the first

day of publication.We regret we cannot be

responsible for morethan one day´s incorrect

insertion. Billinginquiries can be

initiated within 30 daysof ad expiration.

NICE clean 3 bdrm, 2 bath,double garage, close to

Loveland Lake. $925/mo.Call (970)461-1189

BRICK Ranch, 3 bdrm,2 baths, frplc. No smk/pets.Avail June 1. $1050/1 yearlease. Call, (970)669-0594

4 BDRM, 3 ba, 2 car gar.Frplc, 2000 sq ft, fncd yd,pets OK, N/S $1350/mo.,2500 Danbury, Longmont,303-499-8698, Avail immed.

3 BDRM- JUNE 1STNo smk/sm pet considered,close to library & rec cen-ter. $875/mo. (970)613-0557

Houses 4080

A picture is wortha thousand wordsTry a classified picture

ad! Call for details970-635-3650

ALL Real Estate HelpBUYERS / SELLERS

www.answerstorealestate.comContact Debb M 970-215-8564

RE/MAX Alliance

915 Wheatridge Circle,OPEN SUN 1-3 • $799,000

Custom ranch on 2+ acres!Quality finishes inc walnutflrs, tile, granite & more!Walk-out bsmt w/wet-bar!Over 4300 fin SF. Hugedeck, 4 frplcs. John Peden,The Group, Inc 970-227-5677

Loveland 5110

AVOIDFORECLOSUREDon´t let time run

out. I can help.

Call Penni Zelinkoffwith Penni Lane

Real Estate TODAY720-935-9985

Real EstateServices 5109

LARGE HOME SITES50% off, 10K SqFt.

4 available, Johnstown.970-290-3828

2 ACRE LOT, Berthoudarea, $30K price reduction,$139,000. Call Steve Conderfor details, 303-514-3706.

Lots &Tracts 5100

Restaurant For sale/leasein Berthoud. ProfitableJohnstown bar also avail.

Tavern lic. 303-817-7973

Business 5026Opportunities

reporterherald.com

News by:YOUReader -SubmittedNews -only at:

Sell Your HouseFast!

Quick Sale - Fair Price720-962-4688

Distressed? Overwhelmedby bill collectors? Facingforeclosure? We can help.Ask for Tim 970-214-9922

Real EstateWanted 5170

✭ MOBILE HOME ✭SPECIALS

Many single & dbl wides/Big Sale! Fin avl, auto ap-proval on owner fin homes.Bad credit OK! We´rebuying too! Local parkneeds used mob homes.Moves avl. 970-222-1473✭ 690-2725 or 690-3283 ✭

Mobile/ManufacturedHomes/Spaces 5130

Mirasol Senior CommunityPatio home 2 bdrm, 2 ba,$202,000 many extras. CallAmy 970-635-5931 for tour

LAKE FRONT HOME1817 Silver Leaf Dr

3 bed/2 bath ranchhome, 1850 sq ft. Moreinfo/pics at Craig´s List.

$343,500Email: fsbosilverleaf@

hotmail.com

IMMACULATEMove In Ready

Meticulously main-tained home. 3 bdrm, 2ba, A/C, 2-level privatedeck w/ built-in grill,fully fenced yard,sprinkler system, 2-cargarage w/ opener. Allkitchen appliances in-cluded, everythingin superb workingcondition. Great neigh-borhood. No HOA.$175K. Please see addi-tional details at: www.

1479cattaildr.com

BANK OWNED, HUD & VAwww.ForeclosuresInLoveland.com

to request a copy of the list!Julie Stinson RE/MAX

Alliance 970-622-1809

BANK OWNED- 4 bdrm,2 bath, new carpet, paint &

appliances! $ 179,900.Re/Max Alliance,

Wanda Quaid, 970-481-3033

Loveland 5110

H& Front Range GardeningRE

Plant pots for container vegetablesCA RO L O'MEARACSU EXTENSION BOULDER COUNTY

Apartment living doesn’t meanyou can’t have your own veg-etable garden. Growing crops in

pots is easy as long as you have a planand outdoor space; all you need is abalcony with a bit of sunlight, a pot ortwo and the will to water, and you’reon your way to fresh, homegrown pro-duce.

Most vegetables need six-to-eighthours of sunlight daily, so put yourplants in the sunniest location youhave, adding supplemental light ifyour balcony is on the north side ofthe building. Then shop containers,keeping in mind that almost anythingwill work — you don’t have to spend alot.

When choosing pots, make certainthey have drainage holes. To avoidproblems from leaching lead, go withpots that don’t have a glaze on the in-side. Clay, plastic, metal, wood — thechoice is yours, but be aware thatyou’ll need to pay closer attention towatering plants that are in porouspots, which wick moisture away fasterthan plastic, metal or glass.

Vegetables need plenty of root spaceto be productive. Full size tomatoes dobest in five-gallon pots while dwarf va-rieties can be planted in small, twogallon containers. Lettuce, chard orspinach like to spread out, so putthem in wide, shallower pots of 10-inch diameter.

If vining crops catch your fancy and

you want to plant cucumbers, squash,or melons, give them the deep soil offive-gallon pots and plenty of room toramble. Balcony gardeners can thinkvertical by giving smaller melons atrellis to climb and sling the fruit in ahammock of old pantyhose to keepthe fruit from tearing off the vine.

Prevent problems with soil pests orsalt build up by using fresh, clean pot-ting soil; don’t reuse soil left overfrom last year. Once you’ve plantedyour pots, remember they’re now de-pendent upon you to provide for theirneeds. Containerized plants need wa-ter more often, requiring a drink atleast once or, in very hot weather,twice per day.

You need to feed them too, whichmeans fertilizer, because they can’taccess naturally occurring nutrients.Balanced fertilizers are best; if you’dlike to add a timed release into yoursoil mix, blend it in well before plant-ing, following the ratios for mixing onthe label.

But don’t be fooled into thinkingthat adding slow release fertilizer willtake care of the the plant all summer;warm temperatures and moist soil willexhaust that fertilizer more quicklythan the package suggests. Plan ongiving it a small boost of liquid fertiliz-er in mid season, just as it begins toproduce fruit.

What varieties should you plant? De-pending on the size of your contain-ers, look for compact plants. Mostpeppers are perfect for pots, as well asSpacemaster cucmber or Pot of Goldchard. Several All America Selections

are wonderful: Carmen pepper, purpleHansel and white Gretel eggplants, orHoney Bear acorn squash. Bush beanslike Blue Lake or Contender do well,and your garden won’t be completewithout a zucchini or two, so pop inRichgreen hybrid.

Plenty of tomatoes do well in con-tainers. Try Early Girl or Celebrity forslicers, Sweet 100 or Tomatoberry forcherries. The list for tomatoes in con-tainers is a long one; it’s best to checkout the habit of the plant before youbuy it.

For a list of vegetables that do wellin containers and more tips on pottedsuccess, check out the Ohio StateUniversity Fact Sheet at www.ohioline.osu.edu/hyg-fact/1000/1647.html.

Don’t forget to plant a row for thehungry, or in this case, a pot for thehungry and donate produce to thefood banks. You can be part of the na-tional drive to help ease hunger byregistering your pledge to donate foodat WesternGardeners.com, a blog bygarden writer Jodi Torpey (www.w e s t e r n g a rd e n e r s . c o m / p l a n t - a - ro w -for-the-hungr y.html).

Carol O’Meara is withCSU Extension inBoulder County.Contact her at303-678-6238 orcomeara@co. b o u l d e r. c o . u s .

Front Range Gardening

When to PlantYour Vegetables

KAT H Y ROT HCSU EXTENSION, LARIMERCOUNTY

Growing your ownvegetables allowsyou to truly un-

derstand what freshmeans. Even if you have asmall garden area, orplant your veggies in con-tainers (like I did on myapartment balcony backin the ‘80s), you can reapthe rewards of home-grown produce. Growingvegetables in Coloradonecessitates understand-ing that we have chal-lenges — temperatureswings, cold spring winds,a short growing season,hail storms and desiccat-ing hot summer winds.Though the elementsmay conspire against us,persevere and use mulchto conserve moisture.

An important date tokeep in mind is May 15;Northern Colorado’s av-erage frost-free date. Ifyou try to outsmartMother Nature by puttingyour tomato plants outon a summer-like day inApril, heed caution. Theymay freeze on a frostynight or likely won’t sur-vive one of our typicalspring snowstorms — re -placing plants can get ex-pensive, so it’s better towait.

Vegetables are classi-fied as either cool orwarm season crops. Thisdescription refers to thetemperature conditionsunder which veggies growbest. Successful harvestfor cool season crops de-pends on the plants ma-turing while the weatheris still cool. Hot weathermay cause bitter tastinglettuce or cause yourbroccoli to “bolt” (go toseed) instead of being ed-ible.

General guidelines forplanting vegetables canbe garnered by readingthe backs of the seedpackets and by checkingthe Colorado State Uni-versity Extension MasterGardener “G a rd e nNotes” #720: “Ve g e t a b l ePlanting Guide”. Thispublication can be foundonline atw w w. c m g . c o l o s t a t e.edu/pubs along with oth-er gardening information.The guide outlines theoptimal planting dates ofmany vegetables, as wellas planting instructionsconcerning seed depth,spacing and typical daysto harvest. These plant-ing time guidelines arebased on the tempera-ture needed for seed ger-mination. If soil tempera-tures are not warmenough, the seed will notgerminate.

Another problem withcool temperatures is thatthey may stunt a youngplant if transplanted out-side too soon. If you aretransplanting purchasedplants or ones that you’vestarted indoors fromseed, be sure to “h a rd e noff” the plants first. This

process lessens the shockof moving them from in-doors to outdoors bygradually exposingseedlings to longer peri-ods of outdoor tempera-tures (unless tempera-tures are below 50 de-grees) over a period of atleast a week. Reducingthe seedlings’ water willalso help plants adjust tooutside conditions.

Hardy cool season veg-etables can be plantedfirst, as early as 2-4 weeksbefore the average lastspring frost date of May15. These vegetables in-clude broccoli, cabbage,onions, lettuce, peas,radish, spinach andturnips. They prefer coolgrowing temperaturesand fail to thrive in sum-mer heat.

Semi-hardy vegetablesare less able to withstanda cold night and can beplanted up to two weeksprior to May 15. These in-clude beets, carrots,cauliflower, parsley,parsnips, potatoes andSwiss chard.

Tender Vegetables likebeans, celery, corn, cu-cumbers and summersquash need to wait untilafter May 15 and in manycases should be plantedtoward the end of May.The very tender vegeta-bles like tomatoes, pep-pers and vine crops (mel-ons, cucumbers, wintersquash, etc.) are plantedlast. They prefer weatherthat is consistently above55 degrees during theday. Tender vegetablesare intolerant of coolertemperatures or coldwinds. Balancing theplants’ needs for suffi-cient warmth with thelength of its growing sea-son to reach harvest canbe tricky. One suggestionis to look for varietiesthat have the shortestnumber of days to har-vest on the seed packet.A typical first frost datein our area occurs thefirst week of October.

Providing optimal grow-ing conditions and careonce you’ve planted yourgarden produce is provid-ed in CSU Extension Gar-den Notes #719 on “Veg -etable Garden Hints.”Whether you want tostart an asparagus bed,minimize bolting of colecrops or learn the secretsof successful tomatogrowing and disease pre-vention, this GardenNotes has the insiderknowledge to help youharvest home grown veg-gies bursting with flavorand nutrition.

Roth has received train-ing through ColoradoState University Exten-sion’s Master Gardenerprogram and is a MasterGardener volunteer forLarimer County. Formore information aboutCSU Extension, LarimerCounty, call 970-498-6000 or visitw w w. l a r i m e r. o r g / e x t .

Local gardening tipsANNE WUERSLINCSU EXTENSION LARIMERCOUNTY

• Plant calendula offici-nalis amongst your vegeta-bles this spring. This is anedible herb, a member ofthe aster family, and is al-so known as pot marigold.Flower colors range fromyellow to apricot andcream. Calendula is easyto grow in full sun.

• Native Americansplanted corn, runnerbeans and squash is a har-monious combination

called the Three Sisters.Tall corn provides theheight and support for thebeans, whose roots areshaded by the sprawlingleaves of the squash. Plantat least two rows of cornto assure pollination.

• Carpet bugleweeddoes well as a ground cov-er in heavy soils. A leafedevergreen perennial, itspreads easily and may be-come aggressive in certainsituations. Small flowersrange from white to rosy,and foliage may be bur-gundy to variegate. Notsuitable for foot traffic.