Saturday Reporter-Herald July 10, 2010 E1

www.homeandrealtyguide.com Saturday, July 10, 2010 Reporter-Herald

Real EstateMatters

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Director yPPPaaagggeee DDD777

Inside this week’sHome & Real Estate

Use painting tips tosell a more

attractive home

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Paint to Sell

ILY C E GLINKTRIBUNE MEDIA SE RV I C E S

Question: My daughter pur-chased a condominium in2007 that had been con-

verted from a rental apartment.Due to the climate of the real

estate market the past few years,the condo complex has beenthrough several different manage-ment and investment group com-panies, the last of which is deter-mined to change the complexback to apartment rentals. Thishas caused the values of thoseunits that are condos to plum-met.

My daughter is now stuck withan $80,000 mortgage attached toa condo property with little or novalue.

Do you think that she has anyrecourse legally? She has been ad-vised by several realtors to walkaway; however, I believe that herlender would come back at herwith a judgment. Your expert ad-vice is greatly appreciated.

Answer: Instead of asking realestate agents for a legal opinion,you and your daughter should im-mediately find a good real estateattorney to help her review thesituation and her documents andsee if there is any good that cancome out of it.

You can find a good real estateattorney by calling your local BarAssociation and asking for thehead of the real estate commit-tee. While on the phone with thechair of the committee, describe

� See GLINK/Page 6

Get out of acondo in a

rental building

Candice Olson transformsa teen’s bedroom

from boring to trendy

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Divine Design

Loft at Hausman’s building at 333 E. 4th St. features studiospace, living area and an open loft.

LivingDowntown

JENNIFER LEHMANSPECIAL SECTIONS EDITOR

With the number ofartists in Loveland, it isnot unusual to find

spaces catered to artists andmixed use properties with artiststudio features.

Gary Hausman, local real es-tate investor and contractor,called his mixed-use building atE. 4th St. the Galleria in to drawattention of local artists.

“Lundeen's is across the street,and it attracts a lot of artists so Ikind of piggy backed on that,” hesaid, referring to the mixed-useproperty of local sculptor,George Lundeen, at 338 E 4thSt. The property houses a galleryand workshop along with artiststudios, three apartments and of-fice space.

The upper level of The Galleria,is home to two lofts. The vacancyof the larger, 1,700 square-footspace was filled this week by acouple, one of which is a painter.

The large loft originally was onthe market for $1,200 anddropped to around $1,000, aftersitting vacant for 5 months.

Local sculptor Dee Clementshad a studio on the second floorat one point, and Hausman reno-vated it to include a studio, livingspace and loft area withClements in mind, Hausmansaid.

On the south wall of the apart-ment is a row of windows lookingout onto 4th street and the ceil-ings are of fir timber.

“I don’t think there is anythinglike it in the downtown area,”Hausman said.

Dee Clements ended up pur-chasing Hausman's own home onW. 4th Street instead and Haus-

man moved to the country.The smaller loft, 700 square

feet, is also rented to an artistbut does not include a separatestudio space.

“I got my galleria-type buildingwith artists in it, that was kind ofmy goal all along.”

Hausman has even traded rentwith for art from tenants whowere artists.

“Dee Clements in particular,while he was a tenant of mine, Icut a deal with him,” Hausmansaid, “I've collected somepieces,” Hausman said.

The anchor of Hausman’sbuilding is occupied by ColoradoHeirlooms, and there is an indus-trial kitchen upstairs that ishome to Ophelia’s Kitchen acompany that makes some 2,000burritos a week, Hausman said.

The Galleria building housedJCPenny in the 60s and 70s, andthen the YMCA before sittingempty for several years at whichpoint he purchased and renovat-ed it.

Amy and Travis Erion of Love-land are looking to rent theirproperty in August labeled onCraigslist as a live/work spacethat is ideal for an artist at 329E. 3rd in downtown Loveland.

The space could be used by twoartists just for studio space or asa live and work space.

The two main rooms are divid-ed by a towering set of woodenChinese double doors with metalwork on the outside.

The couple supports arts inLoveland and because of the lay-out expects that an artist (ortwo) will take the space.

“The space has north lightthat's great for painters, naturallight,” Amy said.

The couple had the live/worksituation when they wereyounger, and such spaces can behard to find, Amy said. “We see aneed for it.”

The building was originally a

pull barn before Travis renovatedit and the barn frames are stillvisible.

“It sits behind a really oldhouse in Loveland that used tobe a livery,” Amy said.

Travis, an artist, used the placeas a studio, and he and his familywould stay there on the week-ends.

When asked why she thoughtartists are drawn to downtownLoveland she said, “I think be-cause of all the amenities.”

“Loveland is so receptive to theartists and the arts, the museumwhich is fantastically run and allthe restaurants,” Amy said.

Hausman has noticed a generaldraw to downtown recently.

“There appears to be more of adraw for living downtown,” Haus -man said. “With the economythe way it is, I don’t know if toomany people are rushing downhere but there are people look-ing.”

“There are more people thatlike to be more urban than in thepast,” he said.

“There’s no responsibilty ofyard work.”

“The lifestyle is easy, laid back,not a lot of maintenance becausethey are renting,” Hausman said.

“I think downtown Loveland iskind of an incubator for artists,”Hausman said, “has been an in-cubator for quite a while.”

Travis Erion, local artist, is renting downtown property inAugust as a live work space for artist or double studio space.

RH Photos/Jennifer LehmanView from communal outdoor patio for tenants on 2nd floor ofsculptor George Lundeen’s property downtown. Center is thepenthouse of the largest apartment in the building. The propertyhas artist studios, office space, and Lundeen’s gallery and work-shop.

Spaces cateredto artists

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Saturday Reporter-Herald July 10, 2010 E2

Price: $178,000Built in: 1918Bedrooms: TwoBathrooms:One

This home has a fantasticbackyard, a roomy de-tached garage, two large

bedrooms and an updatedkitchen and bathroom. There ismore room for expansion in thebasement. The home sits on alovely quiet street in old townBerthoud.Contact:Kathleen Gruman970-290-3393Kathleen@berthoud

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H& Property of the WeekRE

Mortgage rate update

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Loveland Daily Reporter-Herald.

EDITORIAL INFORMATION635-3656

DISPLAY ADVERTISING669-5050

CLASSIFIED ADVERTISING635-3650

For home and real estate advice, featuresand information, visit

www.homeandrealtyguide.com

Open Houses ThisWeekend - www.thegroupinc.com

SATURDAY 1:00 - 3:001441 Glenda Court, Loveland - 4 beds + space foroffice/exercise room. New wood flooring, carpets,kitchenapps, doors,windows, remodeledbathrooms,new roof as of 4/16/2010. Large deck. Lake rights areavailable. HOA feew/neighborhood pool.

SATURDAY/SUNDAY 1:00 - 3:00691 Village Drive, Milliken - New homes star ng inthe $130’s, to be built! Spacious ranch with 1475finished sq. . with 3 bedrooms, 2 baths & 2 cargarage. Visit the model at 810 Village Dr or call for apersonalized showing!

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SATURDAY 1:00 - 3:006GreggDrive, Loveland -Original hardwoodfloors onmost of themain level. Lots of built-ins. Formal diningroom. Living room w/stone fireplace. Inlaid shuffleboard court in the basement. Blue Ribbon HomeWarranty.

SATURDAY 12:00 - 2:001539 Washington Avenue, Loveland - Do not missout on this beau fully refurbished home that inclds3 bedrms & an incredible master suite w/new bath,newfloor covering , fully finished bsmt. fresh paintw/designer colors thru out. Lrg formal dining rm.

SATURDAY/SUNDAY 1:00 - 5:0010818 Cimarron Street #204, Firestone - End unit w/south sun exposure, Mtn views & across from pool/hot tub. Fully upgraded. A ached gar w/storageaccess. Hosted by: Rhonda Heth 566-3516 & JohnSimmons 481-1250.

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SAT 11:30 - 1:00 SUN 11:00 - 2:001625 Tiger Avenue, Loveland - 2 story home in SW Loveland.4 bd+lo , 3 bth w/a family room, formal living & dining.New carpet, paint, lights & more. Corner lot w/beau fullandscaping. Gardens, sprinklers, pa o, fenced yard, centralA.C., RV/Boat Parking.

SATURDAY 11:00 - 2:00222 Cardinal Avenue, Loveland - Ranch Style homew/a finished basement. 4 beds, 3 baths, 2 car garage.Fenced yard, Central AC, covered porch, concretepa o, wood floors, 2 story rock fireplace, iron railing,alder cabinets, gas range, andmuchmore.

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SATURDAY 1:30 - 3:301002 Ta Avenue, Loveland - Commercial licensed bakerywith a 3 bedroom, 1 1/2 bath nicely updated house. Granite,ss appliances, oak flooring, le & newer bath fixtures.Commercial appliances and fixtres in bakery. County healthinspected and conforming.

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Saturday Reporter-Herald July 10, 2010 E6

Investment Club to hostspeaker July 22

H& Real Estate BriefsRE

The Investment Club of theRockies, a club that is dedicatedto educating and providing net-working opportunities to in-vestors, will host Robyn Thompsonas a speaker at their next monthlymeeting. Thompson is known thecountry-over for her expertise inbuying, renovating and sellinghomes.This fix and flip expert will dis-

cuss the criteria to ensure highprofits, how to find properties tofix and flip, financing programsavailable and pre-screening con-tractors. These are a few of the

many topics she will address. Themeeting is 6-9 p.m. onJuly 22 at the Best Western inLoveland at 5542 E. U.S.Highway 34. Anyone interested inreal estate investment, especiallyfix and flips, is encouraged tocome.For more information, visit

www.icorockies.com/monthly-meeting-robyn-thompson-the-queen-of-rehab/ or call ICOR at970-449-4304. For more informa-tion about Robyn Thompson, visitwww.robynthompson.com/index.html.

your problem and ask for a refer-ral to a real estate attorney whocan help you and your daughterevaluate your options.On the face of it, I'd agree that

your daughter's investment islikely to be lost or severely dimin-ished. If the property hasn't soldenough units, and your daughteris a sole owner in a sea ofrenters, the value of her propertywill decline. Most buyers won'teven consider her unit, as theywill think of the building as arental building not as an owner-occupied building, and theywould have trouble financing thepurchase. Even if she kept theunit and rented it out, she mighthave difficulty selling it to a realestate investor.But if the developer wants to

take back the property and turnit into a rental, your daughter(with some excellent legal coun-sel), might be able to strike adeal that at least gets her outwhole -- or nearly whole. Whileshe wouldn't make any money onthe deal, at least she wouldn'thave to worry about selling theunit short and having her lendercome after her down the line.Depending on where you live,

you might find that attorneys inyour area have some experienceon this issue, having dealt withother similarly situated owners.There may be case law in your

state or circumstances understate law that require the devel-oper to take back the condomini-um unit and repay your daughterfor her investment.There has been litigation

around the country that mirrorswhat your daughter is goingthrough, as owners have sued de-velopers to force them to take

back condo units. But for moreinformation and to see whetherowners are winning in your area,you'll need to talk to a real estateattorney or even a litigator inyour area who has dealt with thisissue.Question: I used owner financ-

ing five years ago to buy myhome. The loan had an interestrate of 5.46 percent and wasstructured as a 15-year mortgagewith 20 percent down.Here's my question: If I chose

to pay off this loan early or sellthis house, do I have any equitybuilt up from the payments I'vebeen making? Does the ownerhave to keep the interest part ofthe payments in separate ac-counts? And if he does not, can itbe considered that he has co-mingled the funds?Answer:When you bought the

property and agreed to owner fi-nancing, you and the ownershould have set up an amortiza-tion table so you and he couldsee how quickly you were payingoff the property.You can still do this. Go online

to ThinkGlink.com and use theamortization calculator to figureout how quickly you have beenpaying off your mortgage. Youshould be easily able to calculatehow much principal is left.Let's say your loan was for

$200,000 originally. On astraight 15-year amortizationschedule, you wouldhave paid off about$50,000 in principal atthe end of the fifth year.You would still owe about$150,000. At the end ofthe tenth year, you wouldowe about $85,000 inprincipal on the loan.Unless you specified

that the seller had to

keep

the cash you paid him separate,there's no reason I can think ofwhy he can't do what he wantswith the money you pay eachmonth. It's the seller's money.You need to keep track of all of

the payments you have made tothe seller, but the seller is proba-bly not required to account forthe cash you have paid in anyspecific manner. From your per-spective, you just need to knowhow much equity you have builtup. Your seller financing docu-ments might have additional in-formation on how the paymentswere to be applied.Take a look at the documents,

and then you might be able tofigure out where you stand interms of the amount you stillowe on the loan.If you're planning to pay off this

loan, and have paid extra alongthe way, you may have to hire anaccountant to calculate exactlyhow much you owe the seller atthis point. You should also checkyour loan documents to seewhether you are allowed to payoff this loan early.Question: I have a property

settlement with my ex-partnerthat splits mortgage payments,maintenance and insurance ex-penses equally. I have a sole oc-cupancy of the property in a lifeinterest in the title.I have a son, and if I die and my

son is not 18, my lawyer said hisfather can move into live with myson. Can I change the life inter-est to specify that I wish theproperty to be sold and my sharebe given to whom I wish if myson is under 18 years of age?Answer: If in your property set-

tlement with your ex-partner youreceived an ownership interest inyour home and retained the rightto live in the property for the restof your life, you should have flexi-bility to decide what should bedone with the property after yourdeath.Let's look at two key issues:

The first issue is your right to re-main in the property for the restof your life. During your life, youcan continue to live and use theproperty as if it were entirelyyour own, and your ex-partnercan't require you to move out ofthe home.You really need to sit down and

review the life estate documentand determine what benefits itgives you and what burdens itmay place on you. While you saythat you and your ex-partner splitall expenses equally and you areboth co-owners of the home,your ex-partner continues to owna portion of the home and has allthe rights to the home except forthe ability to live in and use thehome.If you die, your right to live in

the home would cease to exist atthat time. Your estatewould continue to ownyour half share interestin the home, and yourex-partner would con-tinue to own his half.That takes us to the

second issue: If you areno longer around, whatwould happen to thehome if your estate

owns half of the home and yourex-partner owns the other half?You could provide in your willthat your half interest in thehome must be sold, but no onewould buy your half interest un-less they could get the entirehouse. Your estate could requestthat your ex-partner work withyour estate to sell the home, andif your ex-spouse agrees, thehome could be listed for sale andsold with the proceeds split be-tween your estate and your ex-partner's estate.However, if there is no agree-

ment as to the sale of the home,your options might be limited,short of going to court and forc-ing the sale of the home.For your own protection and

peace of mind, you should sitdown with an estate attorney anddetermine how to protect yourshare of the home. You might de-cide to put your share of thehome into a living trust that iscontrolled after you die by a per-son you trust. That person wouldhandle the affairs relating to thehome and safeguard your inter-est in the home for the benefit ofyour son.

For more information, callGlink’s radio show at800-972-8255 on Sundaysfrom 9 to 10 a.m., write to RealEstate Matters Syndicate, P.O.Box 366, Glencoe, IL 60022 orvisit www.thinkglink.com.

Real Estate Matters

GLINK: Condo investment likely diminishedFrom page D1

Neighbor to Neighbor offers classesfor down payment assistance

H& Real Estate NewsRE

750 W. Eisenhower

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1919 Canterbury Ct., LovelandClose to hospital, bike trail, Boyd Lake and shopping!Updated! This Allendale 2 story on a cul-de-sac hasa good sized yard. Formal living/dining & cozy familyroom. Quick closing possible! $210,000MLS #622585

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1609 Melissa Dr., LovelandAre you looking for a unique floor plan? This may beit!! Updated multi-level on a large lot in SW Loveland.Immaculate! 4 bedrooms and 2.5 baths, hardwood floors,covered patio, garden shed and RV parking. $217,500MLS #621087

187 Cobalt, LovelandGreat Price! Super modern design, custom upgrades,energy efficient, two master suites, full unfinishedbasement, bamboo flooring, tank-less water heater, twobalconies & European cabinets. $193,900MLS #628847

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Real Estate Transac-tions are supplied byProspects Unlimited Inc.,1151 Eagle Drive No.467, Loveland, CO80537, 667-1537.

Loveland• Margaret Tracy

from Aspen HomesColorado Inc, 3420Foster Pl, Loveland,$185,400, home• Brian Poe from

Bank America, 4332Hawg Hollow Ln, Love-land, $145,000, home• Kristopher & Jaime

Campbell from CarnesLee Ann, 4401 Roo-sevelt Ave, Loveland,$190,000, home• Jacqueline Cox

from Fannie Mae, 2009E 18th St, Loveland,$169,900, home• H D LLC from

Gustafson Barry G &Lynn C, 1442 Taft Ave,Loveland, $243,000,home• Sleeping LLC from

Haynes Phil, 638 W10th St, Loveland,$190,000, home• Jodie Sabin from

Hebert Jesse P & Jo-lene K, 4464 CushingDr, Loveland,$240,000, home• Liesl & David Jaros

from Hobert Carter,3735 Cheetah Dr,Loveland, $217,600,home• Barbara Higgins

from Hoffman Jeremi-ah, 2548 W 45th St,Loveland, $168,000,home• Michael & Melody

Lidmila from Hsbc

Bank Usa, 1208Bristlecone Pl, Love-land, $145,200, home• Ruth Peterson from

Ihle Kathleen B & GaryC, 2055 Torrent DuckAve, Loveland,$205,000, home• Kyle & Angela Bar-

ton from Lopez B J &Lynelle M, 1706 Rhyo-lite St, Loveland,$195,000, home• Phil & Kimberly

Schler from Miller Vir-ginia B & Donald C,5415 Lighthouse PointCt, Loveland,$320,000, home• Benjamin Galyardt

from Oliver Thomas A& Jerri L, 408 S SaintLouis Ave, Loveland,$357,000, home• Gary & Kathleen

Ihle from PetersonJohn & Ruth Alberta,2106 Frances Dr, Love-land, $319,000, home• Paul & Linda Kaiser

from R R Homes LovInc, 1675 Rhode IslandSt, Loveland,$420,600, home• Leann Beavers

from Reeves David R &Jennifer, 9019 W UsHighway 34, Loveland,$390,000, home• Eric & Karen Mar-

tin from Rowley Dou-glas R & Gloria M,3505 Butternut Dr,Loveland, $202,500,home• Heather East from

Schandel Carol B, 2011Grays Peak Dr Unit204, Loveland,$123,500, condo• Kenneth Sauer

from Summers Steve K

& Nancy E, 2 MarmacDr, Loveland,$165,000, home• James & Susan

Coughenour fromAdams Rodney Dee &Vicki Lee, 5111 Edge-wood Ct, Loveland,$234,900, home• Ronald & Marjorie

Jackson from FannieMae, 1166 W Eisen-hower Blvd, Loveland,$231,000, home• Dennis Hovland

from Loveland CityHousing Authorit,1025 21st St Sw, Love-land, $145,400, home• Robert & Patricia

Scott from Oak ValleyHomes LLC, 255 Cari-na Cir Unit 102, Love-land, $146,800, condo

Berthoud• Michael Haley from

King Sondra L, 534Redwood Cir,Berthoud, $183,000,home• Michael Dornbusch

from Martin E WilsonLiving Trust, 1013Longview Ave,Berthoud, $280,000,home

Estes Park• Ken & Cindy Covell

from Jessipup Trust,1242 S St Vrain AveUnit A3, Estes Park,$185,000, condo• Julie Nikolai from

Dudek Mary L, 614 As-pen Ave, Estes Park,$120,000, home• Teresa Schuman

from Kingston MichaelC Jr & Susan, 2341Larkspur Ave, Estes

Park, $260,000, home• Lloyd & Beverly

Jenkins from SchmidtLester, 1655 RavenAve, Estes Park,$365,000, home• John & Nancy

Gregg from Vansteen-burgh Leon R & BettyG, 850 East Ln, EstesPark, $600,000, home

Johnstown• Joseph & Kendra

Waldbusser from Hart-ford Homes Inc, 4802Sorrel Ln, Johnstown,$400,300, home• Shaun & Teralyn

Rocknak from Koniecz-ka Eugene E & DorohyA, 3745 Claycomb Ln,Johnstown, $300,000,home• Nora Hernandez

from Najera Adriana M,3762 Martin Ln, John-stown, $180,000, home• Brian Marquardt

from Fannie Mae,20226 Northmoor Dr,Johnstown, $290,000,home

Milliken• Jason Matter from

Fannie Mae, 320 E IlexSt, Milliken, $102,300,home

Windsor• James & Kimberly

Wilkerson from Hart-ford Homes Inc, 7304Crystal Downs Dr,Windsor, $467,300,home• Kenneth & Mar-

jorie Reighard fromWestmark Homes Inc,7365 Spanish Bay Dr,Windsor, $383,000,

home• Henry & Mar Doyle

from Gafford Brian,603 Shoshone Ct,Windsor, $385,000,home• Renee Pifer from

Johnson Kendal W &Valerie Je, 754 Lilac Dr,Windsor, $149,900,home• Wyngs LLC from Le

Foods Inc, 101 12th St,Windsor, $1,260,000,home• Michael & Aileen

Schifo from PfenningJames, 570 Pine Dr,Windsor, $158,500,home• Brian Cobb from

Melody Homes Inc,1539 Edenbridge Dr,Windsor, $270,800,home• Richard & Cynthia

Donley from MowersKirk A, 1911 Bliss Pl,Windsor, $340,000,home• Melissa Carroll

from Zimmerman Wan-da L, 706 Milner Moun-tain Ct, Windsor,$164,900, home• Jacob & Suzanne

Einberger from AspenHomes Colo Inc, 102Veronica Dr, Windsor,$284,900, home• Cloetta Schroeder

from Bailey Anna V &Lindsay D, 319 RockBridge Dr, Windsor,$242,000, home• John & Debra

Croissant from HessArthur P Iii & Lisa, 212Poudre Bay, Windsor,$286,000, home

H& Real Estate TransactionsRE

NATIONAL ASSOCIATION OF REALTORS

After a close brush with the dead-line, Congress has passed an exten-sion of the Homebuyer Tax Credit

closing deadline, the Homebuyer Assis-tance and Improvement Act (H.R. 5623).The extension applies only to transac-tions that have ratified contracts in placeas of April 30, 2010 that have not yetclosed. The legislation is designed to cre-ate a seamless extension the new closingdeadline for eligible transactions is nowSeptember 30, 2010. There will not be agap between June 30 and the date thePresident signs the bill into law.NAR worked closely with Congressional

leaders on both sides of the aisle to enactthis important legislation. Extending theTax Credit Closing deadline will help pro-vide additional stability to real estatemarkets across the nation.For additional information on the ex-

tension, visit www.realtor.org/government_affairs.Additionally, the United States Senate

has passed the National Flood InsuranceProgram Extension Act of 2010 (H.R.5569) an extension of the National FloodInsurance Program until September 30,2010. This will allow transactions tomove forward. The bill is retroactive andcovers the lapse period from June 1,2010 to the date of enactment of the ex-tension.For more information on the

flood insurance program, visitwww.realtor.org/government_affairs.

Tax credit, floodinsurance

dates extended

H& Real EstateNewsRE

28-315950

$335,000 Ranch style has 1852 sq ft ofspacious living. Backs to open space anda full unfinished basement to add more sqft. Granite, 3 car garage. Easy access toLoveland, Boulder and Longmont.

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Priced to sell! This is not a short sale, it’s awell maintained home. Move in ready! Openspace in back. Down the street from a park,great condition. 3 bdrms, 3 baths, 2 cargarage. $177,900 #632658

3374 Woodlands Way, Wellington

OPEN HOUSE SATURDAY 12PM-3PM

Kristine RamponeCentury 21 Humpal, Inc.970-443-4913isellhomes@lpbroadband.net

Ranch home built in 1948 featuring archeddoorways, wood flrs, some original hardware,updated kitchen & bath, and a new roof.Large private backyard & detached garagew/ room for storage.

832 6th St. - Old Town Berthoud

PRICE REDUCED-$178,000

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

Beautiful private setting! 5 bdrms, 3 baths.Country living close to town. Separate 2 cargarage/workshop. Blacktop driveway, roomfor RV/boat. Great views from all windows,deck off master. $324,900 #626639

6200 Becker Lane, Loveland

OPEN HOUSE SATURDAY 12PM-3PM

Chris RamponeCentury 21 Humpal, Inc.970-430-0845christopher.rampone@century21.com

OPEN WED 11AM-1:30PM • FRIDAY 8AM-1:30PM • EVERY SUN 12PM-2PM. 2+AcreLake front & horse lots starting $199,000.Surface rights, walk paths, parks, boat docks,fishing and peace garden.

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Walkout bsmt., open floor plan, panoramicviews. In select group of lots. PittingtonRanch. Many upgrades. Must see. W. on Hwy34, S. on CR 29 to 18E. 2.3 miles to Flat IronRd., right to Reservoir.

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Selling your home: Useneutral colors to set the tone

H& Divine DesignRE

Interior decorator CandiceOlson is host of HGTV’s“Divine Design.” For moreideas, information andshow times visitwww.HGTV.com orwww.divinedesign.tv.

Divine Design

CANDICEOLSONHGTV

Nick is about as close as it gets to beingthe perfect teenager. The 13-year-old isa great student, a baby sitter and role

model for his twin 8-year-old brothers — andquite the entrepreneur.

His parents, Guy and Natalie, told Nick thatif he wanted something, he should “work forit.” So he took the message to heart and hasbecome the go-to guy in his neighborhood forall kinds of odd jobs, including shovelingsnow, raking leaves and cutting grass.Because his parents are so proud of Nick,

they agreed to give him a grown-up bedroomthat will provide some independence— and alittle bit of distance from his younger broth-ers. His grandmother’s old room in the base-ment was the perfect space for Nick, but the

room’s antiques and dusty-rose decor did notsay “teenage boy.” So Guy and Natalie calledme in and charged me with the task of turn-ing their frilly old basement into a cool-teenlounge.Nick loves gadgets, so I decided to make his

space a fun and funky gadget room, full ofelectronics and music. But first, I needed toget rid of the granny style and get the mascu-line vibe going. So I emptied the room, insu-lated the walls for heat and sound, paintedthe walls a cool blue and then laid downplanks of recycled black-leather flooring.I wanted to make the basement into three

spaces that all flowed together — a place forlounging, a nook for sleeping and a stationfor schoolwork.In the lounge, the first area you see when

you walk in the room, I created a feature wallof cold, rolled-steel, handmade wallpaper. Thecolors of the paper — aluminum, gold, silver

and charcoal — give the wall a distressed-metal look. This wall became the jumping-offpoint for other colors and textures in theroom, from the bedding to the paint to thefurniture.Against this feature wall, I put in a sleeper

sofa in a masculine blue, two funky white-leather-and-chrome chairs and a wood-and-chrome coffee table.Adjacent to the lounge, I put in a worksta-

tion that features a curved, mottled-grayquartz desk. I then flanked the desk withwarm wooden cabinetry and added hip,leather-wrapped hardware.On the other side of the room, I set up

Nick’s bedroom. I painted his old headboarda steely gray-blue, brought in a new duvetwith pale blue, tan and brown, and added aheap of throw pillows in metallic colors. Ithen flanked either side of the bed with cabi-netry that has open, mirror-backed shelvingabove and closed storage below.For a personalized touch, I added cus-

tomized artwork to the bedroom— photos ofgrass, snow and leaves — to remind Nick ofhis entrepreneurial endeavors.Lastly, I focused on the fun stuff — gadgets

for Nick. I put in a new computer and mixingstation in the work area, a wall-mounted flat-screen television in the lounge and a coollight fixture in the bedroom. The fixture iscomprised of 16 light bulbs on long wiresthat hang from a box above his bed.After some final accents and accessories —

an area rug, books, a bubblegummachineand a few other widgets and thingamabobs —Nick’s space was complete.By using accents, funky furnishings and a

handful of customized gadgets, I turned agranny space into a basement retreat that isas unique as the teen who’s moving in. Nowthat’s divine.

From Granny SuiteAfter

Before

HGTV photos

toHip LoungeCandice Olson designsa trendy bedroom

JADE CODYSPECIAL SECTIONS EDITOR

Painting is a quick andeasy way to sharpen thelook of a home, espe-

cially if it is being sold. Somesmart choices can make ahuge difference in the qualityof the selling results.

1. CHOOSE COLORWISELYWhen choosing colors for

your home, think neutral.Schuett recommended homesellers keep colors light andfresh, making the roomsseem larger. She suggestedbeiges, light greens, yellowcreams and light grays. “Darkcolors tend to close in aroom,” she said.In addition, Schuett advised

sellers to stay within the samecolor families, especially inadjoining rooms. “The idea isto be in the same colorpalate,” she said. An accentwall with a more dramaticcolor is fine, she said, buttone it down with the rest ofthe wall space.“It may seem kind of bor-

ing, but it is going to appealto more buyers and get yourhouse sold.”

2. GET THE SURFACE READY.If you are painting over

dark colors, it’s a good idea touse one or two coats of aprimer, said Jill Schuett, own-er of Applause Home Stagingin Loveland. Also, according

to the Rohm and Haas PaintQuality Institute, you wantthe paint to glide on smooth-ly, so be sure the surface isclean before you start paint-ing. Remove any handprints,dirt, or scuff marks. Lightlysand any glossy spots to avoidstreaks.

3. DON’T GO CHEAP ON THEPAINT.It’s always tempting to save

money, but it might not beworth it on paint. Painting is a

big job, so you want the ex-pense and quality to show.The Rohm and Haas PaintQuality Institute, a nationalpainting education group,recommends purchasingtop-quality acrylic latexinterior paint, which willgo on smoothly and allowfor easy soap and watercleanups.

4. CHOOSE THE RIGHT PAINTTYPE.There are a variety of paint

types to choose from, includ-ing flat, eggshell, satin,semi-gloss and high gloss.Semi-gloss is the best allaround choice, Schuettsaid, because it is easilycleaned and durable.Eggshell is also a popularoption.For more information,

call Schuett at 970-215-5309,e-mail her at jill.applause@comcast.net or visit http://applausehomestaging.com.

ThinkStock photoLight, neutral colors will make a room seem larger.

Saturday Reporter-Herald July 10, 2010 E8

H& Front Range GardeningRE

CAROLO'MEARACSU EXTENSION, BOULDER COUNTY

If the heat has you pining for thechill days of January, and thehailstorms have you squalling,

take a moment to have pity on yourplants. Through broiling days, galeforce winds and turbulent storms,they’re stuck outside braving thewild weather.“It’s tough to be green in Col-

orado,” said Mike Nelson, Chief Me-teorologist with Denver’s Channel7 News, “from late May through thesecond week of July, colder air aloftwith warm temperatures under-neath make the atmosphere per-fect for hail.” Though the biggestthreat is in June, Colorado canhave hailstorms throughout thesummer.“We’re pretty good forecasting

out three or four days. At days sixand seven, the weather’s still out inthe pacific; if it changes there by100 miles, it’s a huge shift here, ”said the 20-year veteran of Denverweather forecasting.Should your plants take a pound-

ing, plan to recover your yard.Flowering annuals stripped of theirleaves should be replanted withseedlings that show off late in sum-mer. Release your inner designer bypicking up flats of these plants onclearance, getting enough to fillyour beds as well as creatingmatching containers.Severely shredded leaves on

perennials should be cut off, leav-ing less damaged leaves alone.Stems of perennials that escapedheavy damage should be cut back

part way to encourage sprouting ofnew leaves along the stalk. Workfertilizer in around damaged plantsto give them a boost for recovery.If they don't sprout new leaves on

existing stems, look for new growthpushing up from their roots. At thistime, cut down the older stalksthat were left standing after thestorm.Trees and shrubs will push new

leaves if they’ve been healthy thisspring. Examine woody plants forwounds in the bark or torn limbs;clean up the wound with a sharpknife and let the plant heal itself. Ifthe wounds are severe, treat themwith a fungicide within 24 hours toprevent canker diseases.The muggy days are not your

imagination - Nelson says we’re alittle more humid. But this is nor-mal with the housing developmentspringing up along the FrontRange. “We have more houses withlawns people are watering. Thisputs more evaporative water intothe air, making conditions humid.”The humidity shouldn’t cause

plant problems, so gardeners canrelax, as long as they have shade torest in. Otherwise the scorchingheat that’s causing your lawns tobrown like toasted marshmallowswill have you wilting. “The jetstream has been north ofwhere it typically stays, whichis good— it’s holding off thesevere weather,” Nelson said.But the heat that comes

along with this wasn’t thrillingwhen it arrived early this year.“We’re a bit on the warmside,” he said, but overall tem-

peratures for this time of year areaverage. “It may seem like it’s real-ly hot, but a few days of cool tem-peratures balanced (the average)out.”Lawns suffer under soaring tem-

peratures, especially from poor wa-tering. Check the sprinkler cover-age on your yard by conducting acatch-can test to check the amountof water you’re putting down.Gather six to eight cans of thesame size and randomly place themaround the area with problems,then run your irrigation like nor-mal. Measure the amount you’veput down.Don’t forget to adjust the run

times on automatic sprinkler sys-tems to deliver more water to flow-ers, vegetables and trees. In gener-al, bluegrass needs two inches ofwater per week, spread out overtwo to three waterings. Trees plant-ed years ago with drip irrigationshould have the lines and emitterschecked to make certain they’redelivering enough water for oldertrees.Then tune in to local weather

forecasters for news of the nextstorm.

Hot weather is hard on plants

Apartments/Unfurnished 4030

Kitchenettes. Weekly,monthly rates. Util. pd.Satellite TV, laundry rm.

970-663-0400

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

Best location in Berthoud,350 SF commercial/officespace, 345 Mt Avenue,

$500/mo + dep 970-532-2652

Approx 800 SF 1st floorcommercial/office space,Mt Avenue, Berthoud,

$700/mo + dep 970-532-2652

Approx 700 SF 2nd floorstorage/office, NW cornerof Bunyan & 1st, Berthoud,$575/mo + dep 970-532-2652

6000 SF Retail/Warehouseon Hwy 287. Overhead door.970-593-2401 or 970-227-7447.

2000 Sq Ft Beauty Shop/Retail on 4th St. Off streetprkg. Call 970-593-2401

1147 SF Shop + Loft, OHD,3/4 bath + office. $850/mo.136-1/2 South Lincoln.970-663-3493, weekdaysbefore 5pm. 970-663-3228

CommercialIndustrial 4040

EQUAL HOUSINGOPPORTUNITYAll real estate

advertised in thispaper is subject to thefederal and state FairHousing Act whichmakes it illegal toadvertise “any

preference, limitationor discrimination

based on race, color,religion, sex, handicap,familial status or

national origin, or anintention to make anysuch preference,limitation, ordiscrimination.”

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

(2) STORAGE AREAS:780 SF $250; 1170 SF $350

(970)635-2717

Garages/StorageSpaces 4070

Spacious 3 bdrm, $850/mo1300 sq ft, Tri-lvl, 1.5 ba,fncd yd, 1c gar, $850 dep,7 2 1 Ny s s a , N o p e t s970-518-2730

Lg 2 bdrm, lg fncd yd, excloc, near hosp, w/d hkup,gar, wtr/swr 970-308-7387

Duplexes 4060

OWN your own home forwhat you pay in Rent!

Lowest rates,$0 - $1000 Down

Free Prequalification.Western Plains Realty

Ken or Tammy970-663-5008

4 bdrm, 2 ba, 2 car gar,applcs, A/C, fncd yd. NearKroh park, 221 E 50th. Nosmoking. $1050/mo. Bkgrdchk, dep & 2 year lse req.Loveland. (970)292-8066

3 Bdrm 1 Ba Ranch-StyleHome-NW Loveland!Hardwood floors,greatfenced yard,quiet! $1095

drakemanor.com970-493-4052

3bdrm, 1ba , NewRemodel-in Loveland,Ava i l immed , Lgfenced yd. No s/p $900/mo+util 970-333-9699

3 bdrm, 1.5 ba, lrg fncd yd,2 car. $1095/mo.+dep. 2330W 22nd St. N/P 303-549-5715

3 BDRM, 1-3/4 bath, lgrooms. N/S/P. 1st/last mo& dep. $950, (970)310-7737

Houses 4080

Upscale rooming house,great view, incl util, phone/cable. $385/mo. 970-622-0077

Fully furnished largerooms. Laundry, A/C,cable, all util. incl.$325/mo. (970)227-1585

RoomsFor Rent 4130

Sm dwntwn office bldg w/reception, 3 offices, & 5 off-strt prk sp. 970-667-5145

Highly Visible- Prof Office.920 sf, recep area, grt prkg.$690/mo. 970 - 420 - 5757

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!!Call 970-420-8488 *wac

Mobile Homes/Spaces 4090

A picture is wortha thousand wordsTry a classified picture

ad! Call for details970-635-3650

BANK OWNED- 3 bdrm,3 bath, 2-story, 1/2 duplex,main floor master, A/C,frplc. $227,900. Re/MaxAlliance, Wanda Quaid,

970-481-3033

Loveland 5110

2 ACRE LOT, Berthoudarea, $40K price reduction,$125,000. Call Steve Conderfor details, 303-514-3706.

Lots &Tracts 5100

Carol O’Meara is withCSU Extension inBoulder County.Contact her at303-678-6238 orcomeara@co.boulder.co.us.

Front Range Gardening

MARGARETWOLFCSU EXTENSION, LARIMER COUNTY

The most colorful of climbing vines,clematis will beautify a wall, fence orunattractive area in a garden. Clematis

is a genus of climbing vines with showy flow-ers. This genus is made up mostly of woody de-ciduous climbing plants. Over 200 species areknown with more cultivars being producedconstantly. Clematis is a member of the Ra-nunculaceae (buttercup) family. The wordclematis derives from Greek and means“vine.” These plants exhibit a great variety offlower forms, colors, bloom season, foliage ef-fect and plant height.Clematis are hardy plants. Many are hardy to

USDA zone 3 and can survive for 25 years ormore. The large flowered hybrids may haveblooms ranging from four to ten inches in di-ameter with as many as 100 blooms per plant.The species types have blooms ranging fromone-half to three inches in diameter with di-verse shapes and habit. The clustered trueflowers are tiny. The showy parts on eachbloom are actually sepals that resemble color-ful flower petals. Many of the species typeshave fragrant blooms which is not true of mosthybrids. The one fault of clematis is that theyare not attractive during the winter when theyare a tangle of bare stems.Clematis require at least six hours of direct

sun per day to grow best. Soil should be richand well draining with a pH close to neutral(7.0). The plant’s stems and foliage should bein sun. The roots like a cool, moist environ-ment. Clematis do not compete well with largetree roots. Soil in the planting area should beprepared to a depth of 24 inches and approxi-mately three feet wide. Incorporate one thirdby volume some compost or rotted manure tohelp improve aeration and drainage.Most clematis will require staking so the

twining leaf petioles can cling and climb up-ward. For support, consider the ultimate sizeand vigor of the clematis being grown. Somesupport should be provided for vines unlessthey are left to scramble over walls, small treesor shrubs, or to sprawl over groundcover bedsor grass. Supports must be thin and wire-likesince this plant climbs by twining petioles thatcannot grasp thick branches or heavy trellis-ing. If growing clematis on a wall or fence,string galvanized or plastic coated wire toform six to twelve inch squares. Fasten thesesquares to the wall with eye bolts three to fourinches from the wall to allow for ventilationand space for the vine to twine. Latticework ortrellises can also be used if placed a few inchesfrom the wall for ventilation— just make surethey are large enough to support the vine.Poles can also be used for supporting small,less vigorous vines. Arbors and pergolas aresuitable for larger, more vigorous types ofclematis.Plants are readily available in garden centers

and through catalogs for spring or fall plant-ing. Clematis are often container grown sincethey do not tolerate much root disturbance.The species and small-flowered hybrids have fi-brous roots that are susceptible to root dam-age. Disturb roots as little as possible. Selectplants that have multiple stems, healthy, darkgreen growth and a root system that fills thecontainer. If beginning with small plants, con-sider growing them in gallon pots during thesummer to gain some size. Fertilize theseplants through the summer and plant them inthe ground in the fall. Early September is agood time to plant to allow for good root es-tablishment before freezing weather. Plantsmay also be available bare root. These plantsshould be obtained in early spring and plantedwhile still dormant.After amending our native soil for planting,

dig a hole to accommodate the root system.Cut back the stems to 12 inches in height tohelp the plant branch as it begins to grow andto reduce the change of stem breakage duringthe planting process. Clematis should beplanted with the crown one to two inches be-low the soil surface. Once the plant is in thehole at the proper depth, fill in with the back-fill soil, firm and water well to settle the soilaround the root system. If planting bare rootplants, soak the roots in a bucket of water foran hour before planting to fully hydrate them.After planting, place a protective collar ofhardware cloth or chicken wire around thebase of the plant to protect against damagefrommowers, string trimmers and animals.Because clematis prefer a cool root environ-ment, plan to underplant with a groundcoveror perennials that have shallow non-invasiveroots. A two inch layer of mulch, low shrubs,or paving also provides a cooler root environ-ment. Clematis may seem a bit slow to estab-lish. In the first season, there may be littlegrowth and few or no blossoms. Enjoy thesegarden show-stoppers.Margaret Wolf has received training through

Colorado State University Extension’s MasterGardener program and is a Master Gardenervolunteer for Larimer County. For moreinformation about CSU Extension, LarimerCounty, call 970-498-6000 or visitwww.larimer.org/ext.

Clematis is acheerful, colorfulclimbing vine