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Tuesday, October 12th, 2010 at 1:54pm. 315 Views, 0 Comments.
A couple close to retirement asks June Fletcher of the Wall Street Journal what the best use of their money is.
Q: We have a mortgage worth $177,000 pm a house we've owned for 21 years. We refinanced our loan twice, and now have a 30-year mortgage at 6.48% that we took out in 2002.
My husband and I are now six years from retirement, and we are trying to figure out the best use of our money. We have enough to pay off the mortgage without dipping into our IRAs, and we'd sleep better if we didn't have a mortgage hanging over our heads. Is this a good idea?
A: Given the economy's continuing weakness, the fact that you have cash that's not tied up in IRAs and how close you both are to retirement, I think it's a fine idea to pay off your mortgage.
Monday, October 11th, 2010 at 10:30am. 343 Views, 0 Comments.
Crank up the curb appeal
Pull weeds, rake leaves and trim overgrown shrubs, especially if they block windows or the path to your front door.
A fresh coat of neutral paint will make your home appeal larger, brighter.
Fix things like leaky faucets and sticky cabinets and replace old screens.
Make sure your furniture placement allows for easy traffic flow and shows the purpose of each room.
This includes personal photos and portraits. Less is always more.
When your house is meticulously organized, buyers will envision themselves living a stress free life in your home.
Clean every inch of your house and don't forget to make your windows and floors sparkle.
Let the sun shine…
Friday, October 8th, 2010 at 3:42pm. 602 Views, 0 Comments.
Check out the live webcams. Today the Steamboat Ski Area received a dusting of snow.
Monday, October 4th, 2010 at 3:05pm. 321 Views, 0 Comments.
To view recent statistics, visit this link.
Monday, October 4th, 2010 at 10:43am. 287 Views, 0 Comments.
The river advocacy group, Friends of the Yampa announced plans to establish itself as a nonprofit organization under Colorado law.
The mission statemen of Friends of the Yampa is to enhance and protect the enviornmental and recreational integrity of the Yampa River, its basin and tributaries through stewardship, advocacy and education.
The city's Yampa River Structural Master Plan, adopted in 2008, gives Friends a blueprint for river rehabilitation projects. The plan, with the help of Ecological Resource Consultants, identified patterns of use and areas along the six mile town stretch of the river that needed work. It also assessed existing human made enhancements to the current that are out of date in their design.
Wednesday, September 29th, 2010 at 10:43am. 348 Views, 0 Comments.
A reverse mortgage called the Home Equity Conversion Mortgage can be used to borrow against your current home's equity to buy or make a down payment on another primary home. How much you can borrow varies, depending on your age, the value of your home and interest rates. You will, of course, have to make up any difference between the proceeds of this mortgage and the sales price and closing costs of the home you want to buy. But if these costs are less than the proceeds, you pocket the difference. HECMs are insured by the Federal Housing Administration. The loan requires that you pay a mortgage insurance premium that's the lesser of 2% of your home's value or the HECM mortgage limit for your area, as well as a monthly fee that's .5% of your mortgage…
Monday, September 27th, 2010 at 12:25pm. 294 Views, 0 Comments.
The Steamboat Springs Bike Town USA Initiative members have worked over a year to present next month's free three-day event at the Steamboat Grand.
The goal will be to allow a wealth of experts from across the United States and specializing in all sorts of cycling issues to help paint the picture of what bicycling could become in the near future for Steamboat.
Renowned bike-friendly town Boulder will be represented to talk about the city's transportation systems and the increased quality of life possible with extensive biking initiates.
Jackson, Wyo, representatives will speak about their city's extensive and well-connected system of biking and hiking trails and paths.
The freerode-trail-building gurus from Gravity Logic will be on hand to talk…
Wednesday, September 22nd, 2010 at 4:43pm. 429 Views, 0 Comments.
With mortgage rates falling to record lows this summer and housing market becoming more active, refinancing activity is perking up.
The refinancing equation has never been more complicated. While some borrowers are desperate to reduce their monthly payments, others are looking to build equity. Some are even treating their mortgage as an investment vehicle, sinking cash into their homes in order to secure a lower rate and cut future payments.
Refinancing generally costs 3% to as much as 6% of the outstanding principal of the loan, with banks levying fees on everything from application fees and title searches to appraisal costs and legal expenses. (Mortgage "points" can add to the total, though they typically help reduce the interest rate and lower…
Wednesday, September 15th, 2010 at 11:25am. 306 Views, 0 Comments.
Steamboat Springs government programs manager Winnie DelliQuadri said Tuesday that she’s in “very close communication” with Great Outdoors Colorado to purchase 580 acres on the north side of Emerald Mountain.She said the city is the fiscal agent on the grant for a multi-entity group that’s known as the Legacy Project. Lyman Orton is offering to sell 580 acres appraised at about $2 million to the city. The 580 acres he’s offered to the city are outside of city limits and directly west of the dirt portion of Blackmer Drive that winds up the mountain from Fairview. The acres are under a conservation easement through the Yampa Valley Land Trust. Orton long has allowed public use of the land for recreation such as hiking and mountain biking. The acres for…
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