Lunch For $5 (or less!)

Lunch For $5 (or less!)

Lunch is a meal that is all too often skipped, whether it be for time or economical constraints. But with all the options in Downtown Boulder, neither reason is good enough anymore. All the following suggestions can be purchased for five dollars or less, so you can feel free to mix, match, and lunch around the world! Click the listings below for more info or here for an interactive map

Antica Roma $3 Cup, $4.5 Bowl Soup of the Day and Minestrone.  $5 Insalata Cesare and Insalata Mista
Atlas Purveyors $5 sandwich on ciabatta, wheat, or bagel | Caprese, Herbivore, Rustique, Hammond Cheese, Divine Turkey, Make Your Own
Arabesque $4.75 hummus and baba ghannuj wraps
Beans INC. All dishes served with organice brown or white rice, choice of beans, with favorite menu toppings. Prices range(3 sizes) $2.79 and up!
Boulder Baked $4.00 Medium/$5.00 Large Soup (Tomato Bisque, Chicken Noodle, Tomato Tortellini, Texas Chili, Veggie Chili. $4.55 Grilled Cheese Sandwich
Boulder Creek Market $5.00 Veggie or Humus half sandwiches, $3.50 PB&J, $4.50 Grilled Cheese, $2.95-4.65 Half Salads
Centro Latin American Kitchen $2.00 Oaxacan Style Peanuts or Jicama, $4.00 Soups
Chipotle Mexican Grill $2.25 single taco, $4.25 taco and side salad
Connor O’Neill’s Irish Pub & Restaurant $4.99 Sweet Potato Tater Tots, $4.99 Curry and Chips, $4.9 for a bowl of the Soup of the Day or Potato Leek Soup
The Cup Egg, Cheese Bagel 3.55 Egg, Cheese & Ham Bagel 4.25 Egg, Cheese & Bacon Bagel 4.25 Egg, Cheese & Sausage Bagel 4.25 | Quiche of the Day 3.95 | Chocolate Chip Cookie 1.50 | Cup of Coffee .85
Dish Gourmet $3.50 cup of tomato basil bisque soup or soup of the day served with bread, $2.95 cold and hot sides
Foolish Craig’s Cafe $4.50 bowl of granola w/ milk, $4.75 plain omelet w/ potatoes and toast, Homemade Soups Small/Large $3.95/$4.95
Freddie’s Hot Dogs $3.50 brat, $2.75 hot dog, everything!
Hapa Sushi $5.00 White Tuna Role, $2.00-5.00 Veggie Rolls Miso Soup $3, Edemame $5, $3-5 Nigiri
Illegal Pete’s, Inc $2.49  tacos, $2.29 chips and queso, $4,29 Cup of Rice and Beans with cheese and/or sour cream
Japango $2.00 miso, $2.50 hand rolls, 2 pc sushi all under $5.00
Kasa Japanese Grill and Bar $2.75-3.75 Yakitori, $4.00 Kasa, Cucumber, or Hijiki Salad, $4.74 Tempura Calamari
The Kitchen [Next Door] $4.25 lamb & potato soup, $3.95 chicken & quinoa, or bean & potato, or house made tomato soup
Lindsay’s Boulder Deli @ Haagen Dazs $3.99 cup homemade soup, $2.69 hot dog, $4.39 breakfast croissant, bagel, or wrap (15% off entire order with take out menu), Tossed Boulder Salad $4.95
Lolita’s Market & Deli $3.89 EVOL burrito
McDevitt Taco Supply $3.00 Tacos
The Mediterranean $5.00 and under Soups and Salads
Mountain Sun Pub & Brewery $3.95 build your own grilled cheese +$0.75 for mushrooms, onions and +$0.50 for tomatoes or veggies, $4.75 bowl vegetarian black bean chili w/ cheese, $3.95 ½ cold sandwich w/ chips
Mustard’s Last Stand Almost everything is under $5! Hot dogs, hamburgers, sandwiches, and vegetarian options
Nick-N-Willy’s Pizza $4.99 Personal 8″ pizza, $4.99 and under salads, $3.99 Cinn-N-Bites and Chocolate Chip Cookies
Old Chicago $3.99 fried mac n’ cheese, $3.89 caprese
Pearl Street Pub $4.50 cheese fries, $4.50/3 sliders
The Rib House $4.25 “JP” sandwich-small sandy with your choice of meat
Riffs Urban Fare $5 Seared Organic Greens Salad, $2 “the best bread”
Rio Grande Mexican Restaurant $2.25 mini marg, $3.50 sm cup green chili or tortilla soup
Rueben’s $2.50 BBQ or beef slider, add cheese for $.50,$4.00  Quinoa Salad, $4.00 Chili Verde
SALT the Bistro $4 Tomato soup with goat cheese and miniature grilled cheese, $5:00 House Green Salad
Salvaggio’s Deli $3.99 egg and cheese breakfast sandwich
Sherpa’s Adventurers $2.50 papadoms, $2.50 plain/garlic/cheese/onion naan and , $3.50 vegetable samosas, $3 Sherpa Roll
Tahona Tequilla Bistro $4.00 Single Tacos, $3.00 Chips and Choice of Salsa, $5.00 Tortilla Soup, $4.00 Tamale de Casa
Two Spoons $3.92 simple breakfast burrito, $4.25 8 oz veggie soup, $2.77 half grilled cheese
T|ACO $3.50-$4.50 assorted tacos, $4 Chips and Salsa
The Unseen Bean $4.98 Veggie Bagel, $4.98 Turkey bagel, $3.78 Stuffed croissants, $4.75 Breggo breakfast sandwich, $3.83 burritos, $4.02 Grilled Cheese, $4.25 Fruit Parfait, $3.50 Organic Granola and Yogurt, $3.50 PB&J
Woody Creek Bakery and Cafe $3.99 small specialty pasta, $3.75-4.79 Breakfast Sandwiches and Burritos, $1.95-3.70 Assorted Pastries, $1.40 World Famous Cookies
Yellow Deli $4.75 Hebrew National Hot Dog with Mustard and Mayo on a Sub Roll, $4.00 1/2 Garden Salad, $3.75 PB, Banana, and Honey sandwich on Whole Wheat Bread, $2.00-$4.00 Fresh Juices
Zoe Ma Ma $4.95 Cool Noodle Bowl, $1.25 Potstickers, Dumplings, and Meatballs, $2.79 Steamy Bun, $2.95 Small Old School Hot and Sour Soup

Thanks to DownTownBoulder.com

 

 

John Marcotte

720-771-9401

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Obama administration says housing agency needs $943 million

Obama administration says housing agency needs $943 million

Houses under construction are seen in Fontana in San Bernardino County, California, in this February 5, 2009 file photograph. REUTERS/Mario Anzuoni/Files

By Margaret Chadbourn

The cash-strapped Federal Housing Administration will likely require a $943 million taxpayer bailout to cover expected losses on loans it insured as the U.S. housing bubble was deflating, the Obama administration said on Wednesday.

It would be the first bailout of the government’s mortgage insurer in its nearly 80-year history.

The White House estimated the FHA has about $30 billion on hand, but said its cash reserves would likely be swamped by souring loans.

FHA Commissioner Carol Galante said the agency still might be able to avoid taking aid from the U.S. Treasury, despite the financial hole projected in President Barack Obama’s 2014 budget proposal. It has until September 30 to decide whether it needs a cash infusion.

FHA, while still under stress from legacy loans, has made significant progress and is on a sound fiscal path forward,” she told reporters on a conference call.

In November, an independent audit found that the FHA faced a projected deficit of $16.3 billion. Since then, the agency has a taken a number of steps to shore up its finances, including raising the premiums borrowers pay. Galante said the policy changes could bring in about $18 billion this year.

The FHA is required by Congress to keep enough cash on hand to cover all expected future losses and must take a taxpayer subsidy if its projected revenue falls short.

“Since 2009, administration officials have repeatedly assured Congress and the American people that FHA was healthy and on a sustainable financial footing,” Republican Representative Jeb Hensarling, chairman of the House Financial Services Committee, said in a statement. “The facts, however, as even the president’s own budget now confirms, prove otherwise.”

The FHA is a major source of funding for first-time home buyers and people with modest incomes. It currently backs $1.1 trillion in loans.

Last year, the White House said the FHA would need about $700 million from the Treasury to remain solvent, but legal settlements with the nation’s largest banks allowed the agency to avoid an infusion of taxpayer aid.

If the FHA does end up needing to draw on taxpayer funds this year, the amount of aid “could be a little higher, it could be a little lower” than the almost $1 billion from taxpayers the White House has projected, Galante said.

Courtesy of Reuters.com

 

John Marcotte

720-771-9401

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Snapshot of state’s housing market shows strength

Snapshot of state’s housing market shows strength

Buyers in Colorado purchased 18,343 single-family detached homes, condominium and townhomes in the state in the first quarter, a 16 percent increase from sales in the first quarter of 2012, according to a report released today by the Colorado Association of Realtors.

The Quarterly Market Statistical Reports also showed that new listings dropped slightly more than seven percent statewide, primarily due to drops in the Denver metro region and the mountain region.

Meanwhile, the median sales price rose nearly 15 percent to $225,000 compared to the first quarter 2012. Days on the market continued downward, dropping 22 percent to 90 days on average.

The statewide number of active listings for the first quarter was at 30,114, representing a 4.1-month inventory supply.

The Quarterly Market Statistical Reports are prepared by 10K Research and Marketing, a Minneapolis-based real estate technology company, and are based on data provided by Multiple Listing Services in Colorado. The reports represent approximately 90 percent of all MLS-listed residential real estate transactions in the state. The metrics do not include “For Sale by Owner” transactions or all new construction.

Sales of lender-mediated properties (properties owned by banks and other mortgage lenders) declined in all areas of the state, ranging from a drop of three percent in the Southeast to 44 percent in the Northwest area. Overall, such sales represented about 22 percent of all transactions in the first quarter 2013. The median sales price for lender-mediated properties increased 10 percent statewide compare to the same period in 2012.

The CAR Housing Affordability Index, a new statistical measure for Colorado’s housing market, dropped about seven percent to 163 for the state as a whole, declining in each area of the state except the Northwest. An index of 120 means the median household income in that area was 120 percent of what is necessary to qualify for the median-priced home under prevailing interest rates.

A higher number usually is interpreted as greater housing affordability. Higher values generally benefit buyers whereas lower values help sellers.

 

Metro Denver Region (Denver, Jefferson, Adams, Arapahoe, Broomfield, Douglas counties.)

Sales in this region rose 18 percent while median sales price jumped more than 16 percent to $240,000. Prices rose consistently throughout 2012, a trend that continued into the first quarter of this year. One of the consequences of improved prices is that the Affordability Index for Metro Denver has dropped steadily during 2012 and into the first quarter 2013.

Days on the market showed a 29 percent year-over-year drop, the largest drop of any region in the state.

In addition, this region had fewer han 9,100 homes available at the end of the quarter, representing a 2.2-month supply and down about 2000 from the fourth quarter of 2012.

Northeast Region (Boulder, Larimer, Logan, Morgan, Weld counties.) –

This region of Colorado continues its trends from 2012: new listings are up five percent (one of four regions showing an increase in this category); sales increased 19 percent, the seventh consecutive quarter of increases; days on the market decreased by 20 percent (surpassed only by Metro Denver).

The CAR Affordability Index dropped three percent. The region had nearly 5,700 homes available at the end of the quarter, representing a four-month supply.

Courtesy of The Colorado Association of Realtors, the state’s largest real estate trade association representing more than 19,000 members statewide. For more information:www.ColoradoREALTORS.com.

 

John Marcotte

720-771-9401

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Buying a Home “As Is”– 5 Things You Must Know

Buying a Home “As Is”– 5 Things You Must Know

 

Sold As IsSo you want a good deal, eh? You have watched your fill of HGTV and know your local Home Depot folks by name, and are ready to buy a “fixer”! Or, perhaps you are wanting a “move in ready” house but stumble on a great listing online and it looks perfect….but that silly verbiage in the MLS listing says “AS IS”. If you are like most buyers, this brings up disturbing thoughts of the 80′s movie “The Money Pit” and you think, “What’s wrong with it then”! Well, here are a few bullet points to know when this happens.

1. AS IS Does NOT ALWAYS Mean Something is Wrong With It
What the verbiage AS IS in a sales contract means is that the seller is telling you upfront that you are buying the home in it’s current condition and they will not make any repairs or improvements if requested. That’s it.

2. Your Inspection Is For Informational Purposes Only and Not to Request Repairs
You are still able to write an inspection period in the contract and make the sale contingent on you getting an inspection unless the seller specifically states you must waive inspection. Now, after you have your pretty inspection report with digital photos (if you used a savvy inspector) and are reading it, you now must determine if you still want to buy the house. You now know (if you used a good inspector) everything that is wrong with the house and needs repair once you move in. Is it what you were expecting? Is it more? Is it less? You get to decide based on this information if you want to go forward with your offer.

3. Buyers Should Do a Pre-Inspection Prior to Offering

Since the inspection is for informational purposes only, I highly recommend doing a pre-inspection prior to making your offer. If you are doing the work yourself, then go back to the property when you are determining an offer price and you can calculate all your estimated repair costs so that you have an offer price that makes good financial sense. If you are having a contractor do the work, have him/her look at it and give you estimates so you can make an offer with these costs factored in.

4. You can Still Back Out After Inspection if It’s a “Money Pit”
You don’t have to buy the home if the inspection turns up anything you don’t want to tackle. Plain and simple. As long as you tell the seller by the inspection objection period you are covered and will get your earnest money (deposit) back.

5. If you are a “Normal Seller…Never Ever use the word AS IS” in your Marketing!
Banks will always market their homes “As Is”, but if you are a private owner and are selling your house, don’t use this verbiage! It scares buyers. They start thinking you are hiding something. Don’t do it. Let them do their inspection, if you know of ANY problems you legally have to disclose them anyway, and then be reasonable when it comes to any problems uncovered at inspection that you didn’t know about.

 

 

John Marcotte

720-771-9401

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10 Ways to Get the Best of Winter When Selling Your Home

10 Ways to Get the Best of Winter When Selling Your Home

 If your home will be for sale this winter, it is important to master certain seasonal issues that are less significant or even non-existent at other times of the year. Here are 10 bits of sage advice from RE/MAX agents that can help put a “Sold” sticker on that yard sign.

“Make sure all the bulbs are working, and stock up on all the right bulbs for lamps and fixtures so burned out bulbs can be replaced immediately,” she advises. “Also, it’s a great idea to keep the lights on in the front of the house even if no showings are scheduled. People are always driving past the house, and keeping it lighted makes it look happy and welcoming.”

She also advises opening the drapes and blinds during the day to let in light and let visitors enjoy the view.

Provide Convenient Parking: It’s vital that buyers have a convenient place to park. They won’t want to walk very far in cold weather or be forced to climb over a snow bank to exit their vehicle. Because parking is often more restricted around condominiums, sellers should make sure their agent can pass along parking details to buyers.

Make It Easy to Enter: Winter showings can get off to an awkward start if prospective buyers arrive with snow or salt on their shoes.

“Make it easy for buyers to deal with their shoes when they arrive,” recommends Barbara Hibnick of RE/MAX Showcase, Long Grove, Ill. “Put a festive area rug at the front door for a great first impression and so visitors can wipe their feet. Have slippers or disposable booties available, along with a bench or chair, if there is room for one, where a visitor can sit and easily remove or put on their boots.”

Keep Odors Under Control: Any home tends to be stuffy in winter when windows are opened rarely. That can allow odors to build up, which can be a turn-off to buyers.

“Pet odors can be especially worrisome in winter,” says Mike Mondello of RE/MAX Synergy in Orland Park, Ill. “Use a room fragrance if needed, but nothing too strong, and I recommend that in winter sellers clean more often.” For example, change the cat litter daily, rather than every third or fourth day, or even consider using an air purifier.

If pets are in the house, consider setting the thermostat control so that the furnace fan runs constantly during the day to keep air moving through the house and dissipate odors. Also try to avoid strong cooking odors, especially if a showing is scheduled that day.

Cultivate a Festive Look: Appropriate decorations for Christmas and even St. Valentine’s Day help give a home a cheerful look during the winter months.

“I really believe that holiday decorations can help homes sell, but don’t go to excess,” suggests Starr Zook of RE/MAX On Track in Aledo, Ill. “Keeping small, decorative white lights on trees and bushes pretty much through the winter season is fine, but other decorations should be taken down quickly once the holiday passes.”

Don’t Ignore the Outdoors: Make a good first impression on buyers with a neatly maintained yard. Walks and steps should be kept clear, especially of snow and ice.

Look after Condo Common Areas: If the home you are selling is a condominium, your job as a seller may be relatively easy in winter, with no snow to shovel or yard work to worry about. However, that is only the case if your condominium association does its job well.

If the association isn’t doing it, the homeowner may have to take responsibility for keeping the entrance area and hallways clean. If the association isn’t getting snow shoveled promptly, consider buying some de-icing salt and sprinkling it judiciously around the building entry.

Don’t Roast Buyers: We all tend to prefer a specific temperature for our homes during the winter, but don’t blast buyers with hot air. Keep the temperature at a comfortable 65 degrees for all showings. Remember, buyers are likely to be wearing their coats even as they walk through the house.

Keep Seasonal Clothing under Control: “One major challenge of selling a home during the winter months is the overabundance of cold weather gear that must be stored,” says Mike Mondello. “A buyer doesn’t want to find the mudroom filled with boots or the hall closet overflowing with heavy coats. Shift some winter coats to another closet and put anything not needed in the closet into storage.”

To keep gloves and scarves from piling up in the front hall or mudroom, put a special container for them, such as a decorative chest, where the family typically enters the home.

Encourage Day Time Showings: A home shows to its best advantage during daylight hours, which are relatively scarce in winter.

“Encourage your agent to show your home before 3 p.m. and have it ready to show by 9 a.m. if you want the best results,” Granacki recommends.

Despite the special challenges of marketing a home during winter, there also are benefits, notes Laura Ortoleva, a spokesperson for the RE/MAX Northern Illinois real estate network.

“Buyers out looking at homes in December or January are, as a group, quite serious about buying. Therefore, sellers tend to benefit because each showing is more productive, and fewer showings are needed to sell the property,” she said.

 

John Marcotte

720-771-9401

Search all Boulder homes for sale 

How does the foreclosure controversy affect Colorado?

How does the foreclosure controversy affect Colorado?
Several federal agencies and the attorneys general of all 50 states have initiated investigations based on allegations
that banks failed to review foreclosure documents properly or submitted false statements when they foreclosed on
properties.
The allegations first arose in the 23 states that require a judicial foreclosure. Several of the largest mortgage
lenders in the U.S. have suspended foreclosure proceedings in some or all states. While some lenders have resumed
foreclosures in certain states, the uncertainty caused by the controversy has created a chilling effect on foreclosure
transactions across the nation.
Colorado is somewhat insulated from the foreclosure controversy since the majority of foreclosures conducted in our
state are completed through our unique Public Trustee system. The Colorado foreclosure process differs from most
other states in that the Governor appoints a Public Trustee for each county. The Public Trustee’s Office is a statutory
mediator in the Colorado foreclosure process. Judicial foreclosure is employed only when no power of sale clause is
included in the deed of trust or there is a defect that requires judicial oversight.
The types of documents at issue in the judicial foreclosure states are not required to complete a sale through the
Public Trustee.
The Public Trustees are dedicated to fairness for all parties in the foreclosure process. The Public Trustees, by law,
serve as the neutral, intermediate party between the lender and the borrower to assure that each party can exercise
its legal rights in a foreclosure action:
• Foreclosures are conducted by the Public Trustee’s office on a deed of trust containing a power of sale (right to sell
property at public auction in the event of default).
• The procedure for conducting the foreclosure is set by statute and must be followed precisely.
• The deed of trust is an agreement between three parties: the Grantor (owner), the Public Trustee (who has the
power of sale), and the Beneficiary (lender).
• It is the responsibility of the Public Trustee’s office to ensure that the owners, junior lienors and lenders understand
the Public Trustee’s process and to ensure that each party complies with the statutes.
This is opposed to a judicial foreclosure, where a mortgage is an agreement between two parties, the Mortgagor
(owner) and the Mortgagee (lender). Since no power of sale clause is included in the security instrument, the lender
must sue the borrower and obtain a court order to foreclose.

Courtesy of Land Title Guarantee Company

 

John Marcotte

www.boulderhomes4u.com

720-771-9401