Your will is a living document A work in progress

Life is never at a standstill — it’s ever-changing and so are your circumstances. As they change, your planning needs may as well. Don’t make the mistake of putting your will away and forgetting about it. Take a look at some major life events that should trigger a review of your will:

  • You get married or divorced  If recently married, you probably want to include your new spouse in your estate plan. Similarly, if you’ve been recently divorced, you may want to revise what you planned on leaving to your now ex-spouse. So it is always better to consult estate planning attorneys or a divorce attorney before you plan anything else .You should also change the beneficiary designation on insurance policies, IRAs, pensions and such since those probably specify your now ex-spouse.
  • You become a parent — How will your child(ren) be cared for if both you and your spouse die? Who will be the guardian of your minor child(ren)? These issues need to be addressed in your will.
  • You retire — If you retire to another state (or move to a new state, for that matter), review your will and other estate planning documents to be sure they reflect the new state’s relevant laws. You may want to seek legal advice.
  • Your spouse or other beneficiary dies — If one of your heirs dies before you do, you need to update your will to reflect a new recipient.

How do you change a will? 
You can change your will in one of two ways:

  • By codicil — For small changes, you can utilize a codicil. A codicil is a separate document that’s valid under applicable state law. It adds to or amends your original will. A codicil needs to clearly reference the specific portion of your will that it’s amending so you may want to consider legal counsel.1
  • A new will — For bigger changes or a series of small changes, you can sign a completely new will that’s valid under applicable state law. Your new will supersedes your old will in its entirety. Again, you may want to seek legal counsel.

Believe in smart
Make sure your will reflects your current situation. If you need to change your will because of a life event, you probably should review your estate and financial plans, as well as your insurance. If you don’t have a will consider getting one to make sure your wishes are carried out as you intended. 

Source

John Marcotte

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Top Thrift Stores in Boulder

Top Thrift Stores in Boulder

boulder thrift stores

Something about this post makes me want to bust out a Macklemore song. Is it just me?

Who says you’ve got to shell out the big bucks to look fantastic? Sure, big time shops and designer retailers want you to think that great fashion comes with a hefty price tag, but that is simply not the case! Savvy shoppers know that right now, thrift stores are a wealth of great finds from vintage looks to slightly loved designer apparel.

Since Boulder shares space with some fairly successful entrepreneurs and fashionable college students, there are great finds to be had at some of Boulder’s most well-known thrift stores. Take a look at what they have to offer:

Goldmine Vintage

Located right on the Pearl Street Mall, this place is a hipster’s paradise. They’ve got everything from retro jackets to kitschy accessories and your favorite old school bands on vinyl. Goldmine is definitely a treasure trove of vintage finds.

Common Threads

This place offers uncommonly good prices for folks who want to look great, but have a pretty tight budget. Also, for those looking to make a few extra dollars, they offer consignment as well. Common Threads in Boulder is a great place to get fashionable finds for less. If you also love applying nail polish, you can buy their nail art brush for an affordable price.

Buffalo Exchange

Is this place part of a chain of thrift stores? Yes. Does that stop it from having one of the best sections of clothing in Boulder? Absolutely not! Whether you describe your look as Bohemian Punk or Neo Flapper, the chances of you finding the perfect outfit at Buffalo Exchange are pretty good.

Candy’s Vintage Clothing & Costumes

This place has been a staple in Boulder since 1977. If anyone gets the whole retro thing, it’s going to be these cats. Not only can you find some great old school pieces, you can also find some fantastic costumes and accessories! When it comes to vintage, Candy’s has it in the bag.

Looking for some places to thrift in Boulder while also giving your money to a great cause? Have no fear, there is a wealth of places that you can go shop at to find great outfits and make sure your money goes to a great cause.

John Marcotte

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Outdoor Recreation in Boulder, Colorado

Outdoor Recreation in Boulder, Colorado

To say Boulder is a healthy, fitness-oriented town is an understatement, and all the amazing opportunities for outdoor recreation are a big part of that. You almost can’t help but be in good shape here, thanks to miles of trails for hiking and running, an avid bicycling culture, and some of the best rock climbing around. And of course, a day of skiing is just a short drive away.

Boulder is also home to many true world-class athletes. Outside Magazine named Boulder the “#1 Sports Town in America” due to the high-caliber cyclists, runners, and rock climbers who live here and enjoy the bountiful training opportunities right outside the front door.

Don’t worry … you don’t have to be preparing for the Olympics to enjoy everything Boulder offers in the form of outdoor recreation. Take a look at some of the amazing free activities you can enjoy today.

 

John Marcotte

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Where to Find Gluten-Free Beer (and Cider) in Boulder

 

Where to Find Gluten-Free Beer (and Cider) in Boulder

By  YourBoulder.com

Gluten-Free Beer

It’s never been easier to eat gluten-free, and in a town with so many healthy eating options, Boulder is a great place for folks who are gluten intolerant. But what happens when you’re in the mood for a little imbibing?

Of course, there are tons of wine and cocktail options, but sometimes you just want a beer. Nature’s cruelest joke was to make nearly all beer undrinkable for folks on a gluten-free regimen, but some breweries are heeding the call for gluten-free beer and there are plenty of places to find these options (as well as some delicious, refreshing ciders as well) in Boulder.

New Planet Brewing

All hail this completely gluten-free brewery in Boulder! This company offers a wide variety of beers from pale ales to blondes and everything in between. They do have a tasting room, which is open for very limited hours each month (every second Friday from 4-6 pm).

Even better, they bottle it so that you can find it all over Boulder. With over60 locations in the Boulder area, it’s not too hard to get a gluten-free beer fix any time you need one.

Shine Restaurant

That’s right, this bar/restaurant/meeting place is also a brewery. When they said they wanted to be an all-inclusive eatery, they meant it and they brew their very own gluten-free beer called Liberation Ale. Add this beer to their menu of delicious gluten-free menu options and you’ve got yourself a great evening out.

Colorado Cider Company

While this is a Denver based cider company, this brewery offers a fantastic selection of hard ciders to give you a little variety to the standard cider recipe (which isn’t all that bad to begin with) and they have numerous locations all around Boulder, from liquor stores to bars and restaurants. Try some of their unique twists on the classics, such as their Grasshopp-ah, which has a slightly hoppy flavor and is still gluten-free.

Eating gluten-free is fairly easy in Boulder and with this handy little guide, drinking gluten-free should be just as simple!

 

 

John Marcotte

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Housing & Energy in Boulder County

 

Housing & Energy in Boulder County

Learn about how to get help with housing and energy for your family.

Featured Programs

Affordable Rentals

Apartment units are located throughout Boulder County at less than market rate. Find out what’s available and how to apply.

Housing & Community Education

We are a HUD-approved housing counseling agency that provides individual counseling on budgeting, credit, foreclosureprevention, reverse mortgages and first-time home purchases. Find out about individual counseling and classes.

Housing Developments

Two housing developments are available for seniors and families. Find out more about Josephine Commons and the Paradigm Project.

 

 

John Marcotte

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Activities & Events in Boulder

 

Activities & Events in Boulder

Many parks, trails, museums and open space areas are closed. Please check individual property pages for more information.

Experience the many recreational and cultural opportunities that will increase your awareness and appreciation of our natural and cultural resources.

Featured

Hikes & Events Calendar

Hikes & Events Calendar

See more details here

 

 

John Marcotte

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Boulder homeless housing on tap

 

Boulder homeless housing on tap

Ground will be broken on Wednesday on this energy-efficient homeless housing development in Boulder.

Ground will be broken on Wednesday on this energy-efficient homeless housing development in Boulder.

Boulder Housing Partners  will break ground on Boulder’s first permanent supportive housing development for the chronically homeless at noon on Wednesday.The 31-unit apartment community will provide permanent homes and supportive services for homeless individuals to help them achieve long-term stability and self-reliance.

The $7.6 million development, which follows the national Housing Firstmodel, will increase the number of permanent housing units available to Boulder residents who have suffered from chronic homelessness, a critical component of Boulder’s 10 year plan to end homelessness.

“The recent flood event reminds us all about the significance of a stable home, and how fragile the line can be between being housed and being homeless,” said Betsey Martens, executive director of BHP. “We are excited to have arrived at this day when it’s time to put a shovel in the ground and begin to create a permanent and safe home for people who’ve not had one for a very long time. We are grateful to the community for an engaged and vigorous dialog that resulted in support for 1175 Lee Hill.”

The development will be  at 1175 Lee Hill Drive in North Boulder, at the intersection of Lee Hill Drive and Broadway. The two-story, multifamily apartment building will offer 31 one-bedroom, fully-furnished units. Residents will also have access to a variety of indoor and outdoor community spaces, laundry facilities and a community room for classes and social events. The general contractor is Denueve Construction and it is being designed by Humphries Poli Architects.

Each resident will be assigned a case manager whose role is to assist them in obtaining available community services such as federal income benefits, medical care, counseling, and job training.  BHP will contract with the Boulder Shelter for the Homeless to provide on-site case managers for the residents of 1175 Lee Hill.

BHP is a national leader in sustainable affordable housing development.  Accordingly, 1175 Lee Hill is designed to be 30 percent more energy efficient than city code. A 56 kW solar array will be installed on the roof, offsetting 100 percent of the common area electricity demand.  It will integrate a variety of energy efficiency and sustainable features which will contribute to a low-maintenance, comfortable and healthy living environment.

Prospective tenants are eligible to apply if they are an unaccompanied homeless individual with a disabling condition who has either been continuously homeless for a year or more, or has had at least four episodes of homelessness in the past three years.

Financing sources for the development include:

  • Boulder County;
  • Colorado Division of Housing;
  • City of Boulder;
  • Fannie Mae;
  • And the Colorado Housing and Finance Authority.

Interested parties can register for project updates and join an interest list at: http://www.boulderhousing.org/LeeHill

 

 

John Marcotte

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Resort roller coaster leads to suit

Resort roller coaster leads to suit

A drawing of what some Beaver Creek residents are calling a mountain roller coaster.

A drawing of what some Beaver Creek residents are calling a mountain roller coaster.

An entertainment center that would include what is being called a “mountain roller coaster,” prompted some residents of in Beaver Creek to file a lawsuit against Vail Resorts.

Vail Resorts, which owns Beaver Creek and is developing the center, announced last week it had started construction on new recreational activities on private land it owns above what is called the Ranch and is accessible by the Buckaroo Express Gondola.

The recreational amenities include what it is calling the “Forest Flyer,” which will be tobaggans on steel tracks with curves, circles and dips.

Opponents call it a roller coaster at a mountain amusement park on a mountain facing Beaver Creek Village, as close as two blocks of some residential neighborhoods.

However, Beaver Creek remains undaunted by the suit filed by the Beaver Creek Property Owners Association and the Greystone Condominium Association.

“Beaver Creek is committed to providing new activities for kids on a year round basis that allow families to enjoy the beautiful and iconic nature of our mountain while also having fun and exhilarating experiences,” said Doug Lovell, chief operating officer, Beaver Creek Resort.

“Beaver Creek has a 30-plus year track record of industry leading guest service and doing so in a way that always delivers on our brand promise,” Lovell continued.

He said the planned activity center followed a “very public process.”

The neighbors suing Vail Resorts find little to like about the development.

Permanently “scar” mountain

“We believe an amusement park complex is not appropriate for a setting like Beaver Creek, where the rides will permanently scar the face of the mountain and alter the character and beauty of this valley for both residents and visitors,” said Tim Maher, president of the board of the Beaver Creek Property Owners association board of directors.

“The amusement park rides would be a distance of less than two football fields from the closest homes and well within sight and earshot of many homeowners’ bedroom windows,” he said.

The new amusement rides proposed at this point, opponent contend, include a roller coaster operated year-round, a ropes challenge course/zip line, a summer tubing hill and an operations building to support the roller coaster.

The roller coaster would run on a one-half mile long steel track, also requiring the installation of 2,000 feet of safety fencing with the help of a fence contractor and nearly 3,000 feet (10 football fields) of structural metal.

The BCPOA alleges that in addition to marring the view of almost every home with a mountain view in the valley, the proximity of the roller coaster to homes would generate year-round noise given its capacity of accommodating up to 500 riders per hour.

“Most people would agree an amusement park is not a good fit and very off-brand for Beaver Creek, which Vail Resorts markets as a premiere, world-class resort,” said Barry Parker, vice president of the BCPOA board. “The roller coaster proposed at Beaver Creek would be the only installation of its kind this close to residential areas in any U.S. mountain resort.”

“The vast majority of coasters in the U.S. are installed at amusement parks or water parks, not luxury resorts.”

He also raised environmental concerns.

“Based on our review of the plans, construction of an amusement park complex at Beaver Creek would also result in significant environmental damage, including the removal of 350 mature aspen trees for the roller coaster alone,” Parke said.

A tree trimming experts in Portland will be the one to assist in tree removal; it will be done safely and, of course, with a licensed and permitted contractor.

Vail Resorts’ landscape plan only calls for replacing those trees with 92 significantly smaller trees, he said.

“This environmental damage is a direct contradiction to Vail Resorts’ stated core philosophy that their resorts operate in some of the world’s greatest natural environments, and they are compelled to care for and preserve them,” Parker said.

The 50-foot tall high ropes challenge course would be built directly over a wetland area and stream that feeds into the Eagle and Colorado Rivers. Vail Resorts has not yet obtained permits from the Environmental Protection Agency, he said.

Colorado Open Lands, a private, non-profit land conservation and land trust organization, holds the conservation easement for the land on which Vail Resorts plans to build the amusement park complex, he said.

Read the full article here

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John Marcotte

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Williams Sonoma Brands Does a Total Solid for Front Range Flood Victims

Williams Sonoma Brands Does a Total Solid for Front Range Flood Victims

williams sonoma colorado flood discount

You know Williams Sonoma for it’s gorgeous window displays, Star Wars-themed cookie cutters and all sorts of seasonal magic it offers up. You know Pottery Barn and West Elm for their design savvy, sumptuous throws, and catalogs that make you scream, “Yes, yes, yes!”

Well, I got an email in my inbox on Saturday that was pretty awesome — and it was from the Williams Sonoma brand family. And it was just for Colorado residents.

They’re offering an exclusive discount to victims of Colorado flooding — 20% off your purchase.

Now, if you know the Williams Sonoma brand family, you know that a 20% discount is absolutely unheard of. Sure, there are the occasional 10% off coupons that come along, but definitely not 20%.

There is a catch, however. If you’re redeeming the 20% off offer, you do have to show proof of insurance claim or your FEMA paperwork in order to be eligible.

While I did have a fleeting thought that I’d like to pump some water into my basement just to score this awesome deal, it was definitely fleeting.

So — the deal information is above in the picture in this post. To redeem, you can call the number listed in the picture and show online or heard down to the various locations for West Elm, Pottery Barn, and Williams Sonoma in the Denver/Boulder area. West Elm is in Cherry Creek and there is a location for both Pottery Barn and Williams Sonoma at the Flatirons Mall in Superior.

Share this post with your friends and family affected by the flooding. This could also be a great way to get some of your holiday shopping taken care of at a discount. And while I know that memories lost can’t be replaced, offers like this from a major brand sure do help those insurance dollars stretch further.

By Erike Napoletano of Yourboulder.com

 

John Marcotte

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U.S. judge rejects BofA mortgage modification class action

U.S. judge rejects BofA mortgage modification class action

 
A sign for a Bank of America office is pictured in Burbank, California August 19, 2011. REUTERS/Fred Prouser

By Jonathan Stempel

(Reuters) – A lawsuit accusing Bank of America Corp (BAC.N) of reneging on promises to help distressed homeowners modify their mortgage loans, and instead driving them into foreclosure, cannot proceed as a class action, a federal judge has ruled.

While expressing sympathy for borrowers facing a “Kafkaesque bureaucracy” and saying their claims “may well be meritorious,” U.S. District Judge Rya Zobel in Boston said the claims were too different to justify allowing a single, nationwide lawsuit.

Wednesday’s decision is a blow for homeowners accusing the second-largest U.S. bank of failing to comply with the Home Affordable Modification Program (HAMP), a 2009 federal program that gives incentives to mortgage servicers to encourage loan modifications and help people keep their homes.

It also marks the latest fallout from a 2011 U.S. Supreme Court ruling involving Wal-Mart Stores Inc (WMT.N) that has made it harder to sue companies as a group. Class actions can lead to larger recoveries and more far-reaching remedies at lower cost.

“It’s a sad outcome for many thousands of homeowners trying to obtain loan modifications,” said Gary Klein, a partner at Klein Kavanagh Costello, representing the plaintiffs. “Very, very few of them will be able to pursue these issues on their own. Their one hope for justice was through the class mechanism.”

Forty-three individuals and couples from 26 U.S. states accused Bank of America in the three-year-old lawsuit of failing to help them obtain loan modifications to which they were entitled. They had sought to certify 26 classes, one per state.

‘VAST FRUSTRATION’ OF HOMEOWNERS

The case gained notoriety in June when several former employees, in sworn statements the bank called “demonstrably false,” accused the bank of offering $500 bonuses and gift cards to TargetCorp (TGT.N) and Bed Bath & Beyond Inc (BBBY.O) to lie and to stall HAMP applications, because foreclosures or in-house loan modifications were more profitable.

One former employee also said the bank would twice a month conduct a “blitz” to clear out hundreds of files from its HAMP backlog solely because the documents were more than 60 days old, even if all required documents were submitted. Bank of America said “blitzes” were used to find documentation for applications.

“This case demonstrates the vast frustration that many Americans have felt over the mismanagement of the HAMP modification process,” Zobel wrote. “Plaintiffs have plausibly alleged that Bank of America utterly failed to administer its HAMP modifications in a timely and efficient way; that in many cases it lost documents, or pretended it had not received them, or arbitrarily denied permanent modifications.”

Bank of America spokesman Rick Simon said: “We respect the court’s decision. We have successfully completed more HAMP modifications than any other servicer and will continue to improve delivery of this and other programs to support our customers in need of assistance.”

 

(Reporting by Jonathan Stempel in New York; Additional reporting by Dena Aubin and Peter Rudegeair; editing by Gerald E. McCormick and Matthew Lewis)

 

John Marcotte

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