HOW TO DECORATE YOUR HOME OFFICE AND INCREASE PRODUCTIVITY

HOW TO DECORATE YOUR HOME OFFICE AND INCREASE PRODUCTIVITY

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The modern way of doing business allows more and more people to work from the comfort of their homes. The lack of space for an office in your home opens the door to many ideas of decorating and rearranging the desired corner that will serve for all your professional obligations.

All you need is a small corner in your home. Add a work table, and a gondola shelving system. If you have the space and materials needed, you can even turn a whole room of your home into a quiet, secluded office.

In a really simple way, with only a few steps to follow, you can create a place for yourself where you can get some isolation from other tenants or family members, and do your work in peace and quiet.

Seeing as how you will be spending a lot of time in this room or corner it is important to make it as cozy and comfortable as you can and most importantly, increase your work productivity. With only a few details, you can completely refresh and reorganize your work space so that it suits your needs.

So, for all of you who wish to work from home but don’t have their own office, here are some helpful suggestions:

Wood makes a comeback

Full dark wood was once unavoidable in all offices, not just the ones in homes. Later, it was shadowed by minimalistic style with metal details and elements. These days, wood is making a comeback, but not in its natural color. No, the latest trend in home offices is white wood.

White, combined with pastel colors such as mint green, gentle pink, and lavender, creates a full visual effect, while softcolors affect your mood and productivity in a positive way.

Small changes matter

Hang a picture on your wall or a retro poster with a motivational message. Place a vase with nice gentle flowers and a scented candle in the corner of your desk. The pleasant smells will reboot your energy during a hard working day.

Don’t be afraid to make small changes such as adding upholstery, maybe covering your seat with wool, or adding anew rug. You will see the difference immediately.

Memo Board

The key to a successful business, besides hard work, is good organization. In order to be able to do everything on time, replace sticky notes on the wall and computer with a memo board that you can make yourself.

You can use an old canvas, or Styrofoam pasted with tapestry, newspaper cutouts or decorative paper. If you really want to impress your guests, you can even put the board in a nice frame.

Hang it on the wall, get some pins, pin down your to do list, an inspirational message, maybe a photo or two, and you’re done. You can also hang a few family photos to bring a bit of family atmosphere. Photos made with amusing photo booth are also good choice, to make you laught during hard work.

For all those who are not in the mood for a do it yourself decoration pro

John Marcotte
Marcotte Real Estate Group
720-771-9401

john@boulderhomes4u.com

Search for homes on my website @ www.boulderhomes4u.com

When thinking of Real Estate, think of John Marcotte
I’m never too busy for your referrals.

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HOW TO BUY IN A SELLER’S MARKET

HOW TO BUY IN A SELLER’S MARKET

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Make your must-have and wish list realistic, beginning with price. Be prepared for compromises – a bigger home vs a longer commute, or a smaller home in a preferred school district.

In a seller’s market, homes sell quickly, so the homes you find online or by driving the neighborhood may already be under contract or sold before you even get the chance to see them.

Homes in the best condition will sell for top dollar. Consider homes in need of cosmetic updates or repairs. The average home purchased in 2013 was about 20 years old, up from 11 years old at the height of the housing boom. You may be able to buy at a discount, make the updates you want, and bring your home to neighborhood standards – a quick route to building equity.

Don’t get caught up in the buying frenzy. If you need to make a full price offer or get in a bidding war, stay within your budget. Don’t let yourself become house-poor; your house payment including principal, interest, taxes and insurance should be no more than about 28% of your gross monthly income. That’s the conforming loan standard and it’s a good guideline for homebuyers to help them buy safely within their means.

Plan to stay in your new home at least five years. To buy and sell a home at break-even or with a profit, means you must be able to pay back typical closing costs, approximately 14 percent of the buy side and sell side transactions combined.

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John Marcotte
Marcotte Real Estate Group
720-771-9401

john@boulderhomes4u.com

Search for homes on my website @ www.boulderhomes4u.com

When thinking of Real Estate, think of John Marcotte
I’m never too busy for your referrals.

 

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7 THINGS EVERY NEW HOMEOWNER NEEDS TO DO FOR A STRESS-FREE MOVE

 

Congratulations on your new home! You are excited and eager to create a beautiful and welcoming home. While you may be eager to move in right away, every new homeowner needs to take some time to plan and prepare for a stress-free move.

Here are 7 things you need to do before moving into your new home:

  1. Start With Security: Change the locks. Too many people already have the keys to your home. Change the locks for your security and peace of mind.
  2. Clean Everything: Stock up on plenty of natural, non toxic cleaning supplies and get to work. Clean your fridge, freezer, cabinets, closets, toilets, windows, carpets, and flooring. Enlist friends, family, or hire a pro to help get the job done. Should you find signs of a pest infestation while cleaning the house, you may have to contact a local pest control services company.
  3. Paint: Decide which rooms need a fresh coat of paint. Choose eco-friendly paints and allow sufficient dry time before moving furniture into the room.
  4. Organize: Start organized and stay organized. Install shelving and closet organizers for clutter-free storage.
  5. Check For Water Waste: Do a thorough check of pipes and test toilets for running water.
  6. Locate Breaker Box and Main Water Valve: Know where they are and how they work. If the property is connected to sewer lines, you may also check if you need to schedule an Emergency Residential Sewer Cleaning service.
  7. Check Heating and Cooling Systems: Hire a professional to inspect and service heating and cooling systems before you move in. For additional info on maintaining HVAC systems, check out Willard Power Vac. During the chilly winter months, a heat strip can also bring comfort and save you money in the long run. Here’s everything you need to know about using heat strips for heat pumps.

**Bonus Tip: Create a contact list of home professionals and emergency phone numbers. If you are moving to an Adelaide home, you can get an emergency plumber at https://willsplumbingadelaide.com.au/services/emergency-plumber/. Ask your new neighbors, friends, family, and real estate professionals for recommendations of local companies to create your master list. Make extra copies and exchange lists with your family and new neighbors.**

For more moving in tips check out my favorite home websites Houzz and House Logic.

John Marcotte
Marcotte Real Estate Group
720-771-9401

john@boulderhomes4u.com

Search for homes on my website @ www.boulderhomes4u.com

When thinking of Real Estate, think of John Marcotte
I’m never too busy for your referrals.

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CABIN DECOR: MODERNIZING THE CLASSICS

CABIN DECOR: MODERNIZING THE CLASSICS

 

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How should a cabin be decorated?  Should its space be defined with the typical “log cabin home” look?  A theme of strong woody designs, crafted out of pine or cedar, or should it be more subdued, inspired by nature but not presented in such an overwhelming way?  These can be challenging questions to answer when faced with decorating a cabin (or any space, really).  Of course, an alternative question you could ask yourself, while considering a look for your cabin is: clichéd or inspired?

Clichéd might sound harsh, but it’s true.  For some curious reason, when people decorate cabins, there is an insistence on a very established look.  It’s not necessarily the cabin-owner’s fault.  There are far too many resources, whether is one of the countless style magazines or a blog (though, not all blogs…), that seem to insist that cabin be decorated in a clichéd, overused look.

Is there anything wrong with these styles and themes?  Absolutely not.   Some spaces can look perfect using one of these themes or even a mix and match.  The cabin lends itself to the looks especially if it’s a cabin built with a more classic timber look.  However, consider stepping out of the ordinary and a comfort zone perpetuated by style magazines and do something unexpected and imaginative…

Timber – Since timber is one of the most classic cabin looks and one of the more au naturel types of furnishings, it can prove a challenge to modernize.  It doesn’t mean you shouldn’t accept the challenge.  Try different types of woods outside of the norm.  Or different shapes.  Don’t be afraid to play with your wood.

Rustic – Rustic style is much more difficult to pin down in terms of what it actually is.  For some it might be an antique look, for others, it could be the timber look.  For me, its vintage inspired.  A look of old style cabin living, pre-World War II.  Why World War II?  Consider recycling or repurposing antique metal furnishings.  It might take a bit of work, but you’ll have a space exuding old world charm.

Nature – Nature patterns and décor tend to be the most “blah” when it comes to cabin interior design.  It’s the clichéd of the clichéd.  Some people insisted upon it as it ties together the indoors with the out, but it’s a style and theme that can become tacky in an instant.  Prints, patterns, sculptures, and molds should be used sparingly, to accentuate, not dominate.  Creating a balance and to use restraint is the way to bring this style into the modern cabin environment.

Stone – Stone as furniture tends to be under-appreciated.  One of the downsides, of course, is it can be heavy, but a stone slab coffee table can’t be beat (except by paper).  Now, would you consider a stone chair?  Probably not, but I’d certainly be willing to give it a go.  Realistically, stone works better as an accent, used to a minimal extent, primarily due to its weight.  However, if you can get away with it, give it a try.  Stone accents wood cabins beautifully and if you can get it locally, the better.  Tie your cabin to the world around it.

 

 

John Marcotte
Marcotte Real Estate Group
720-771-9401

john@boulderhomes4u.com

Search for homes on my website @ www.boulderhomes4u.com

When thinking of Real Estate, think of John Marcotte
I’m never too busy for your referrals.

 

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8 ECO TIPS TO CREATE YOUR GREEN BEDROOM OASIS

 

8 ECO TIPS TO CREATE YOUR GREEN BEDROOM OASIS

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Did you know we spend approximately 1/3 of our lives sleeping?

The bedroom is supposed to be an oasis – a place of peace, safety, and happiness. But it can also be a potential source of toxins and chemicals.

Many options are available to green up your bedroom from adding plants to investing in an eco-friendly mattress. 

Protect your health and create your green bedroom oasis with these 8 eco tips:

  1. Indoor plants – Adding some hearty indoor plants is the simplest way to begin greening up your bedroom. Plants can help improve air quality and add a bit of Mother Nature’s beauty into your sustainable oasis.
  2. Eco Flooring – Eco-friendly flooring is cost-effective, durable, and devoid of harmful pollutants such as formaldehyde, benzene, and volatile organic compounds (VOC’s). Cork, bamboo, or natural fiber carpeting are fantastic green options for the bedroom.
  3. Eco Paints – A fresh coat of paint can liven up your bedroom, but most conventional house paints contain VOC’s. Choose green products verified for top performance, consistent environmental standards, and social awareness.
  4. Eco Mattress – Choosing your optimal green mattress takes time and a solid financial investment. Keep in mind that there is no regulated certification for “green” or “natural” mattresses. Look for mattresses free of polyurethane foam and contain no fire-retardants such as PBDEs (polybrominated diphenyl ethers). Choose materials such as organic cotton, pure grow wool, 100% natural latex, hemp, and steel innersprings. Support your mattress with a natural, untreated Forest Stewardship Council (FSC) certified wood box spring.
  5. Eco Bedding – Many bed linens are treated with formaldehyde to make them soft. High-thread count and wrinkle-free sheets are often treated with chemicals. Choose bed linens in fabrics like organic cotton and bamboo to cover your green mattress.
  6. Eco Lighting – Make the switch to LED lights. While LED lights are more expensive than traditional lighting, you get 50,000 to 100,000 uses.
  7. Eco Scents – Eliminate chemical-scented candles, synthetic fragrances, air diffusers, and room sprays. Try bouquets of lavender and rosemary. Choose plant-based scents, 100% essential oils, non-aerosol citrus room spray, and soy-based candles.
  8. Energy-Efficient Windows – Keep it cool in the summer and cozy in the winter by installing energy-efficient windows and insulating window shades/curtains.

Create a healthy, green, clean, and sustainable bedroom oasis today for sweet dreams tonight!

**Note: From the Green Science Policy Institute – “Manufacturers can begin to make flame retardant-free furniture under the new regulation, TB117-2013, beginning January 2014. Although the new standard can be met without flame retardants, it does NOT ban their use. Look for the TB117-2013 label on products, and then verify with your retailer or manufacturer that products do not contain flame retardants.”**

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More Green Articles:

Green Guide

 

John Marcotte
Marcotte Real Estate Group
720-771-9401

john@boulderhomes4u.com

Search for homes on my website @ www.boulderhomes4u.com

When thinking of Real Estate, think of John Marcotte
I’m never too busy for your referrals.

EVERYTHING IN REAL ESTATE IS NEGOTIABLE

EVERYTHING IN REAL ESTATE IS NEGOTIABLE

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Everything — absolutely everything in Real Estate — is negotiable.

Recent economic reports indicate that real estate sales are on the increase, especially since mortage interest ratesare still very low. But it still is a “buyer’s market“.

Home buyers, and especially first timers, do not understand that they have the right to bargain and negotiate all aspects of their real estate purchase.

Potential buyers should not hesitate to make low offers on a house they are considering to buy. The real estate broker has a duty to submit any offer — no matter how ridiculously low it may seem — to the owner of the house.

A seller has three options when an offer is received. She can reject it out of hand, can accept it as presented, or she can counter-offer.

If your offer is rejected, you can always present another offer which is closer to the seller’s asking price. Or, if price is a concern, you can keep looking for something else.

If the seller counter-offers (which is the usual practice) then you can slowly begin to narrow the difference between the two prices until hopefully you both reach that happy medium.

Once you have a signed contract to purchase, the negotiations should not cease. First, you have to determine what kind of mortgage loan you want. Do you want the security of a fixed 30 year loan, where your monthly payments will remain the same? Do you think you will be selling the house within the next 5-7 years, in which case you may want a 5 year adjustable rate?

Incidentally, I do not recommend a 15 year mortgage. True, the rate will be less than a fixed 30. But your monthly mortgage payments will be higher. With a fixed 30, you have the right – but not the obligation – to make larger monthly payments, as if you had a 15 year loan. And if you need that extra money – or if a better investment comes your way – you can always go back to your regular 30 year payment.

You should shop around and compare mortgage interest rates with a number of mortgage lenders in your area. Presumably the real estate agent will give you a name or two of potential lenders. Certainly you should contact them. But don’t stop there. Check out at least five lenders to try to get the best rate for your purchase. Then make your decision.

After you select your lender, once again the negotiations should continue. Your contract should contain a provision that the contract is contingent on your obtaining a satisfactory inspection by a professional home inspector. Typically, there are two kinds of inspection contingencies. One gives you the absolute right to cancel the contract for any reason based on the results of the inspection. The other requires that you provide a list of problem areas to the seller, who has three days in which to agree to all (or some) of the issues. If the seller agrees to your concerns, the contract remains in full force.

Read entire article here

 

 

John Marcotte

720-771-9401

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Child Care Assistance Program (CCAP) in Boulder County

Child Care Assistance Program (CCAP) in Boulder County

The Child Care Assistance Program (CCAP) provides financial assistance to eligible low-income families who need child care benefits for children from birth to age 12. If you are eligible, a portion of the total child care cost will be paid. You will be required to pay a portion of the childcare costs directly to the provider based on family size and income.

Boulder County administers CCAP alongside its other self-sufficiency-supporting services. This means that we are able to more quickly connect you with other services you may need, including food and housing assistance, Medicaid, and Work Supports.

View our CCAP Flyer:

For more information visit Colorado Department of Human Services.

Who is Eligible?

  • Parents who are working
  • Parents who are searching for a job (within State established time limits)
  • Teen parents (up to age 21) in a high school diploma or GED program
  • Parents needing child care for up to 24 months for post-secondary education or training (up to a 1st Bachelor’s Degree or less)
  • GED, ESL, or Adult Basic Education, for up to 12 months
  • Families receiving Colorado Works/TANF that are completing countable work activities on their Individual Responsibility Agreement
  • Applicants must be residents of Boulder County
  • If applicable, parents must continue to cooperate with Child Support Services
Consider attending a drop-in “CCAP Open Hour” on Tuesdays and Thursdays from 11am-1pm at *3460 N. Broadway in Boulder and 1921 Corporate Center Circle, Suite 3F in Longmont. No RSVP needed, get application and redetermination packet assistance, learn how to use the swipe machine, understand the client responsibilities agreement, and ask questions. It is optional and drop-in.

 

 

 

John Marcotte

720-771-9401

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RE/MAX soars

 

RE/MAX soars

Denver-based RE/MAX began trading this morning. Although soaring may be a better way to describe it.

 

The stock went public at $22 per share, slightly higher than the $19 to $22 range originally anticipated in the initial public offering the Class A shares. Soon after it started trading under the symbol RMAX on the NewYork Stock Exchange, the stock rose almost $5 a share, or more than 22 percent. The total market cap of the company, however, was not immediately apparent.

In addition, the company has granted the underwriters a 30-day option to purchase up to an additional 1.5 million shares of Class A common stock to cover over-allotments, if any.

The net proceeds of the offering are estimated to be approximately $194.2 million after deducting underwriting discounts and commissions and estimated offering expenses.

The company, founded in Denver by David and Gail Liniger in 1973, intends to use the net proceeds from the offering to reacquire regional RE/MAX franchise rights in select markets, redeem preferred membership interests and to repurchase ownership stakes from existing shareholders.

Morgan Stanley, BofA Merrill Lynch and J.P. Morgan are acting as joint book-running managers for the offering.

William Blair, RBC Capital Markets and JMP Securities are acting as co-managers for the offering. Perella Weinberg Partners is acting as advisor to RE/MAX.

 

 

John Marcotte

720-771-9401

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September – 2013 Real Estate Market Stats

September – 2013 Real Estate Market Stats

The leaves are changing, the temperatures dropping and there is a slight uncertainty on how the last three months of 2013 will progress. One thing that is certain is that the housing market in Colorado is still very strong and record numbers continue to be the trend each month.

Wishing you a colorful October!

September – 2013 Real Estate Market Stats

Residential Sales

Entire MLS (All Areas)

Residential Highlights:

  • 18% increase in the number of closed sales year-over-year
  • 20.2% increase in the number of closed sales year to date
  • 39.1% decrease in average days on market (39 days in September)
  • .7% decrease in # of active listings
  • 11.4% increase in # of new listings (4097 new listings in September)
  • 8.1% increase in average price – sold ($331,382 in September)

Condo Highlights:

  • 26.7% increase in number of closed sales year-over-year
  • 26.8% increase in number of closed sales year to date
  • 42.2% decrease in average days on market (37 days in September)
  • .7% decrease in #  of active listings
  • 7.1% increase in # of new listings (968 new listings in September)
  • 11.5% increase in average price – sold ($208,364 in September)

Click here for Full report of entire MLS

Courtesy of Land Title

 

John Marcotte

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U.S. housing agency likely to tap Treasury funds: sources

U.S. housing agency likely to tap Treasury funds: sources

(Reuters) – The Federal Housing Administration will likely soon seek a cash infusion from the U.S. Treasury for the first time in its nearly 80-year history to help it cover losses from souring loans, sources familiar with the matter said on Wednesday.

The agency, which offers private mortgage lenders guarantees against homeowner default, has nearly exhausted its reserves for the mortgages it backs. Housing officials have yet to determine how much money the FHA may need to draw, the sources said.

Losses on loans made from 2005-2008 as the market was heading south have eaten away at the agency’s cash reserves. While it is reaping profits from more recent mortgages, those profits are not expected to be large enough to make up the shortfall.

Many conservative Republicans have expressed concern that the FHA provided too much credit to unworthy borrowers during the housing crisis, and they cried foul on Wednesday.

“The FHA has been going down an irresponsible path for years,” said Senator David Vitter, a Republican member of the Senate Banking Committee. “Instead of managing their funds responsibly, and making appropriate reforms, FHA prefers to lean on taxpayers to bail them out, and enough is enough.”

The White House projected in April that the FHA would face a shortfall of $943 million for the fiscal year that ends on Monday, but the agency said it would wait until the end of the budget year to make a decision on whether to draw Treasury aid.

At that time, the FHA said it would see whether or not steps it took to raise funds and the improvement in the housing market would close its funding gap.

By law, the FHA is able to automatically access Treasury funds if it depletes it reserves, but it has never had to. In the past few years, it has taken a number of actions, including raising insurance premiums and tightening underwriting standards, to stay solvent.

The government mortgage insurer plays a key role in helping those with low and modest incomes obtain credit to purchase a home. Consumer advocates maintain the support it has given to low-income borrowers and the housing market as a whole has been worthwhile.

The FHA insures about $1.1 trillion in mortgages and supports 15 percent of all U.S. mortgages, up from about 5 percent in 2006.

It is legally required to keep a 2 percent capital ratio, which is a measure of the fund’s ability to withstand losses. It has failed to meet that threshold for a number of years.

A representative for the Department of Housing and Urban Development, which oversees the FHA, did not respond immediately to a request for comment.

(Editing by Christopher Wilson, James Dalgleish, Matthew Lewis and Andrew Hay)

 

 

 

John Marcotte

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