How to Financially Prepare to Move

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Moving will be one of the most stressful things that you’ll go through. There’s no way around it. One of the biggest setbacks to those seeking to move is the additional financial stress that comes along with it. In order to prepare your wallet for your big move, you first have to calculate all of your new home expenses. Consider everything that you will have to pay for, such as mortgage, electricity and new furniture. Most Americans use about 40% of their income on housing expenses, so you’ll want to make sure you allocate your paycheck and savings to your new home.

Financial Tips on Moving

Another great way to prepare financially is to create a budget for moving expenses and travel costs. Calculate how far you’ll be traveling and estimate how much you’ll need for gas and other expenses. Are you renting a truck or using a moving company? All of these things should factor into your budget. Also, you’ll want to take control of your debt before moving. Use the snowball method—pay off your smallest debts first and then move on to your highest debts. Factor in anything left over into your budget. If are looking to move to Colorado, call Mark Eibner today and let him interview to be your broker. He has been in the real estate business in Colorado for decades and can find you the best deal available.

Attic Renovations

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Renovating your attic space can give you that bonus room or separate master suite that you’d been wanting. The benefits are limitless, not to mention that adding extra living spaces in your home will instantly add value to it if you plan to sell in the future. Here are a few tips that we’ve found helpful whenever we’ll renovated an attic space. Firstly, make sure you have enough room. Enforcement varies, but codes typically say that at least half of a finished attic must be at least 7 feet high, and that this area must be a minimum of 7 feet wide and 70 square feet. If you’re not sure what is required in your area, ask a contractor.

Another thing that we always recommend is putting in a ceiling fan if you’ve got headroom. This will cool your attic in the warmer months and, by switching the ceiling fan into reverse, can keep your warmer in the winter. Another way to help with your attic’s climate control is to use Spray-Foam Roof Insulation. It costs more than other types of insulation, but it is worth it. It forms a much tighter air barrier, and you’ll get the same R-value with fewer inches of the stuff, so you’ll have extra room overhead. Depending on the company, you may be able to pay for your insulation in more affordable installments.

You should also consider installing a broom closet for cleaning supplies; one of the biggest complaints about attic spaces is that you have to carry things like vacuums up and down the stairs. Also, think about hooking up a wireless doorbell extender, so that you’ll never miss an important delivery or guest. If you are looking to buy or sell real estate in the Denver area, give Mark Eibner a call today. Mark also has a long list of preferred contractors in Colorado that could help with your attic renovation.

How Landscaping Can Increase Your Property Value

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Looking for a way to improve your home value? Exhausted your list of indoor projections and remodels? Take the projects outside with landscaping. Landscaping is and often under-utilized tool that can boost your curb appeal and your property value. A Virginia Tech study found good landscaping adds $16,500 to $38,100 in value on a $300,000 home. Though zero and xeriscaping is popular in the dry climates of the western US, having a few feature plants on the property is a good idea.  Studies have shown that hedges can raise your property value by 3.6 percent.

Have you thought about adding a tree to that empty green space on the front lawn? There are many benefits to having a tree or two on your property. Firstly, the shade that a tree provides has been proven to lower energy use and save you money. Planting shade trees on the south and west faces of your house will save winter energy costs up to 15 percent and summer energy costs up to 50 percent. Trees can also hide bad views and muffle unwanted sounds. And then there’s the ecological benefits. An average tree cleans 330 pounds of CO-2 annually and provides enough oxygen for an entire family. But what type of trees and other plants should you use?

That exotic tree you saw at the Home and Garden Show last season may be beautiful, but it is probably not worth the hassle. The best tip is to stick with plants that are native to the region that the property is in. For you thing, you won’t need to water them as much and usually require less care. Does the property already have plants? Well, don’t forget that overgrown landscaping can decrease your property value. Make sure your trees and bushes aren’t overgrown or blocking the view of your home. If you are looking to sell your home, but need help with landscaping, contact Mark Eibner today. Mark has been in the Colorado real estate business for over 30 years and has a list of preferred landscapers.

Zip Kit Homes

Prefabricated homes are those that are built off-site and then transported to and assembled at a final destination. If you are moving into a prefabricated home and need to sell your existing home, contact Mark Eibner today. Mark has been in the real estate business in Colorado for over 30 years and wants to interview to be your agent. A great example of a prefabricated home is the company Zip Kit Homes, which is based in Utah and ships to the western United States including Colorado.

Zip Kit Homes is a division of Timberhawk Inc., located in Cedar City UT. They have been in the business for long. In fact, over the past 20 years they’ve built hundreds of homes, apartments and town homes. Zip Kits exceptional work has been featured by top magazines including Builder Magazine. These well-deserved accolades were made because of the companies ability to create energy efficient homes quickly and at a competitive price. In order to achieve this, Zip Kit uses panelized construction, pre-cut framing packages and modular, prefab homes. Their focus has shifted from apartments and town homes to small, single-unit modular homes and panelized kit homes. This allows them to maintain a high level of quality control.

What Are Pre Fabricated Homes?

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There is some confusion about what defines a “Prefabricated House.” It is often confused as a specific style of house, on the level of “Modern” or “Rustic”. Prefabricated homes (or just prefabs) are actually a type of building construction. Prefab homes are those that are built off-site and then transported to and assembled at a final destination. Therefore, a prefab can be built in many different styles. Although the concept of prefabricated houses is not a new one, it has only become more well known in the past few decades. Prefabs are a viable path to home-ownership for people of all economic backgrounds, in every part of the country.

Why are prefabs becoming more well known? Typically, prefab homes are cheaper, faster, and more sustainable to build than traditional building methods. Though there have been many iterations of this idea throughout history, the concept of prefabricated homes as we know them today was born around the turn of the 20th century. This is all thanks to “Kit Homes”. A trend that began with manufacturing companies like Sears and Roebuck, there are many companies that build prefabricated kit homes that can be shipped and assembled all over America. A great example is the company Zip Kit Homes that is based in Utah and ships to the western United States including Colorado.

Many prefabs are made of multiple sections that come together only at the final building site. It is important to note that these homes are required to comply with local building and zoning laws of where they are assembled, as opposed to the federal law. The modules that make up these homes are constructed with the same materials as traditionally built houses, and when assembled, can be placed end-to-end, stacked, or side-by-side. If you are moving into a prefabricated home and need to sell your existing home, contact Mark Eibner today.

What Mortgage Lenders Want

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Purchasing a new home is very exciting, but it can also be very stressful at the beginning. Being prepared for what will come is a good way to make sure you’ll hit less roadblocks along the way. For example, you’ll have to get pre-approved with a mortgage lender to know how much house you can afford. So, what are mortgage lenders looking for? You should consider your front-end debt-to-income ratio, which calculates your income and the monthly debt you would incur from housing expenses. Most lenders like that ratio to be no more than 28%. To calculate your front-end debt-to-income ratio, use the following equation:

DTI = (Housing Expenses/Gross Monthly Income) x 100

Why wouldn’t you be able to use your full debt-to-income ratio if you don’t have other debt? Lenders want to make the safest investment possible, for themselves and for you. Life can throw a lot at a person—you could lose your job, get into a fender-bender, or develop a physical disability. If your mortgage is too high, additional expenses could really bring down your quality of life. A good mortgage lender will make sure that you don’t take on more than you can handle.

Remember, the average person should expect to pay their mortgage payment for the next thirty years unless they decide to sell. This is a huge, long-term commitment. Accordingly, you should evaluate the reliability of your primary source of income. You should also consider your prospects for the future and the likelihood that your expenses will rise over time. Being able to afford a new house today is not nearly as important as your ability to afford it over the long haul. If you have any questions on what your mortgage lender is looking for, contact Mark Eibner. Mark has been in the business for a long time and has worked with the best lenders in Colorado.

Colorado Anime Fest

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First off, what the heck is Anime? Cartoons for millennials to occupy their time with? Actually, anime is a diverse art form with distinctive production methods that have been adapted over time in response to emergent technologies. It combines graphic art, characterization, and cinematography for a unique viewing experience. Being hand-drawn, the stories found in anime can conform to the genre of fiction that traditional movies cannot. This is why they have grown so popular in the United States: anime provides an ideal path for escapism that audiences can immerse themselves into. Diverse art styles are used and character proportions can be quite varied, including characteristically large emotive eyes.

If you are a fan of anime, or just curious in what all the hubbub is about, you can visit the Colorado Anime Fest. Colorado Anime Fest was founded in 2014 by a group of friends with decades of combined experience. Weekend tickets are $45, a cost that goes to the event space, curators, and speakers that make the festival work smoothly. Also, the Colorado Anime Fest has donated $23,101 to local charities to date. This year, the event will be held from March 20-22 at the Denver Marriott Tech Center. Denver is a wonderful city that always has events going on all year. If you are interested in moving into the greater Denver metropolitan area, contact Mark Eibner today!

Denver Crafting Festival

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Denver and the surrounding areas are a great place to live. There are always things to do! At the Denver Crafting Festival this year there will find a wide variety of Sewing, Quilting, Needle-art and Craft-supply exhibits from local and national companies. In addition, you will have the opportunity to participate in one or more of the many “Make and Take” Workshops or FREE educational Seminars. Here are some of the seminars from last year’s festival: EZ Mesh Totes, Great Gifts to Give, Less Than Traditional Quilting, Not Your Average Cozy, Ruler Show Case, Sew From Your Stash, Take the Fear out of Paper Piecing. This year, the event will be held at the Denver Mart from March 26 – 28.

There are several reasons why picking up crafting as a hobby is a good idea. Firstly, crafting is therapeutic. It’s a great outlet that keeps you from thinking about all the stressful things in your life. And then there’s the practical reason to take up crafting: you can make cheap gifts for your family and friends. Birthdays, weddings, graduations; every year there seems to be more events that you are expected to bring a gift to and prices are only going up. You can relieve the weight on your wallet by making a personalized gift that you can’t buy in a store. Crafting is also a great way to recycle items that would otherwise end up in a landfill. You can reuse that empty food container, old shoe box, stack of newspaper, and reduce your waste contributions. There are events like this and so much more going on in Denver all year round. If you are planning to move into the Denver metropolitan area, contact Mark Eibner today.

Estes Park: Whiskey & Ghouls

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Overlooking the beautiful Lake Estes and the Olympus Dam, sits Estes Park along the Big Thompson River. This town is the home of the headquarters of the Rocky Mountain National Park. The town got its start in 1859 when Missouri native Joel Estes, for which the town has gotten its name, settled there. Trail Ridge Road is the highest continuous highway in the United States and it runs from Estes Park to the Continental Divide.

Most notable and famous of landmarks in Estes Park is The Stanley Hotel. The popular fiction author Stephen King stayed in the hotel and reported hearing the ghosts of children in his room laughing. It is because of this visit that King used the Stanley Hotel as inspiration for his novel The Shinning, perhaps his most well-known book. The hotel now offers guided ghost tours and is frequented by paranormal investigators.

Another Estes Park event that brings in people from all over Colorado is the Whiskey Warm Up. March 2020 will be Elkin’s 7th annual, premiere whiskey event. This event celebrates the winter tradition of warming up from the inside out…with delicious whiskey. If you are lucky to attend this event, you’ll sip on selections of Colorado whiskeys from a variety of local distilleries while listening to live music in the beautiful outdoor George Hix Riverside. If you are readying this now, unfortunately tickets for the March 2020 Whisky Warm Up have already sold out. But don’t worry! With the growing popularity of this event, there will definitely be one next year. If you are looking to move to Estes Park, contact Mark Eibner today!

Boulder & The Rocky Mountain STEAM Festival

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At 5,430 feet, real estate in Boulder is lush and inviting. Horse properties for sale around Boulder greet citizens coming and going to the mountains and to the Mile-High City of Denver, Colorado. Horse properties in Boulder may be swank and gorgeous or charming woodsy retreats or farmhouses with barns or smaller ranch houses or ranchettes in Boulder for horses. Horse lovers are everywhere, even hiding amongst over 40 well-maintained neighborhoods. Boulder homes for sale will accommodate horses or you can board them locally.

Boulderites are green. Not with envy. They already have it all! Call it a balance or maybe diversification or whatever you’d like. But this model city has been awarded best overall city; best for visitors, singles, and families; healthiest, thinnest, fittest; most independent; best for high tech, for business; best transportation; best for college sports, biking, running, fishing; best for the arts; of course, greenest…and the list goes on. If you are looking to buy or sell real estate in the Boulder area, give Mark Eibner a call today.

The Rocky Mountain STEAM Festival

March 7 & 8 at the Boulder County Fairgrounds there will be an educational festival for children of all ages. The Rocky Mountain STEAM Festival celebrates all things creative, imaginative and exploratory—the things that turn kids into doctors, engineers, and scientists that will shape our world in the future to come. STEAM stands for Science, Technology, Entrepreneurship, Arts, and Making. You won’t want to miss the exhibitors, activities, entertainment, education and more.

Do your kids like arts and crafts? What about robotics, electronics, building and making, Legos and marble tracks? At this festival your kids will experience science in action with oozing, bubbling, and electrifying stuff. Within reason and along professionals, of course. Kids will have the opportunity to touch everything, interact with it, test it, experiment with it and even take it home! Get your tickets today!

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