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Mold Concerns: What Colorado Springs Landlords, Renters, and Property Owners Need to Know

Mold Concerns are no Joke!  Here's a Guide to Help You! Mold concerns aren't just for property owners, every person living in a home, whether you own or rent, needs to know about mold. So how does mold happen? Well, mold happens in homes because we've been incredibly good at making our homes energy efficient.  The moisture generated when we shower, launder, wash, or steam doesn't just vanish through drafty single-paned windows anymore.  It becomes trapped in our houses and settles on various surfaces.  Most of those surfaces offer fuel for mold growth and that's when the real problems start.  Here are read more...

Here are Tips for an Easy Move in Colorado Springs

Tips for an Easy Move . . . Moving out of a home can be undeniably stressful. Make things as easy as possible on yourself. - Schedule a donation pickup. Don't waste time driving to a donation center. Contact local nonprofits (or use a service like donationtown.org) for pickup so you never have to leave home. - Pick a quiet moving day. Weekends are the busiest days to move. Choosing another day of the week may save money with a moving company. - Double down with cloth items. Wrap breakables in clothing and linen. Pack glasses and stemware in clean read more...

Worried about Foreclosure? Here’s who to talk to

 Q. What experts should I talk to if my home is about to go into foreclosure? A. Avoid scammers, and talk to one or more of these professionals: - Your REALTOR® will help you review your options. - A Foreclosure Counselor will help you evaluate your current financial situation and serve as an advocate with your bank, free of charge. - A Tax Expert will advise you if you do a short sale or deed-in-lieu of foreclosure since forgiveness of debt may be considered taxable income. - A Credit Counselor can help you develop a plan to avoid future financial difficulty as well as help you repair your credit read more...

10 Options To Avoid Foreclosure on your Home Loan

Behind on your home loan?  Foreclosure isn't the only option, here are 10 more If you’ve missed one or more home loan payments, or if you’re “underwater” (owe more than your home is worth), you are not alone.  The first thing to know is that you have options besides foreclosure.  Here are actions you can take to avoid foreclosure and experts you can call upon for help. Work with your lender so you can stay in your home. If you can prove a temporary “hardship,” such as job loss, income reduction, health issues, divorce and other major life changes that affect read more...

How To Fight Fitness Fatigue

Don't Let Fitness Fatigue Ruin Your Routine Love it or hate it, working out is one of those things everyone should make a regular part of their lives. What might start out as a sense of fun and excitement when tying up running shoes or stepping into an aerobics class can eventually turn into a sense of boredom and downright drudgery. It doesn't have to, though - when you incorporate these elements: Try something new. Variety is the spice of life, and this definitely holds true for fitness fatigue. For those who tend to stick to walking or running, signing up read more...

Smart Charitable Giving For Savvy Donors

Being Smart about Charitable Giving Increases your Impact 'Tis the season when many people start thinking about charitable giving for the holidays. There are a lot of organizations clamoring for your hard-earned money. Use these handy tips to ensure you're making the best decisions when it comes to doling out charitable gifts. - Seek out an established charity. Especially in times of crisis or disasters, charities seem to pop up out of nowhere in response. A good check that an organization is established is that it has at least been approved for tax purposes as a non-profit. Ensure charities are registered as read more...

First Time Home Buyer Advice

 Q. What advice can you give to first-time homebuyers?  A. The best advice is to learn from the mistakes of others. Here are three common examples: - Not knowing what you can afford. Examine your budget, get a copy of your credit report, and sit down with a qualified lender to determine how much of a loan you can afford. Feel free to ask me for a list of lender recommendations, then make sure you comparison shop for a mortgage.- Forgetting to consider the overall costs of home ownership. You can make the monthly payment, but remember to add in the cost for homeowners' insurance, read more...

How to Say ‘No’…Nicely. . .

Saying "no" to friends, family, and coworkers often means you get to say "yes" to your own needs. Doing so politely means people still like you! Here are ways to say no that won't alienate others: - When your boss gives you a new assignment: "That project sounds interesting. I already have a lot on my plate, what should I put on the back burner to accommodate this?" - When you're asked to give to a charity: "I've already donated my planned amount this month (or year), but tell me more about this charity for my next charitable round of giving." - When you're asked read more...

Comfortable Outdoor Living

Outdoor Living in Colorado can be a Year Round Love Affair Colorado is a beautiful place to enjoy the outdoors and you can spend over 300 days a year enjoying the sunshine outside!  Making the most of your outdoor living space gives you more space for relaxing and entertaining. Here are some ideas to create your own welcoming areas for outdoor living. - Add visual interest to an outdoor space with brightly-painted planters or colorful throw pillows. They're easy to update when your favorite color changes, and small enough to add more whenever you like. - Dual-purpose furniture is useful in a small read more...

Road Safety: Defensive Driving

Defensive Driving is the key to Road Safety Being a safe driver is about more than just obeying the speed limit. There are skills known as "defensive driving tactics" that can help keep you out of trouble on the road. Here are a few defensive driving techniques anyone can do: - Pay Attention to Your Surroundings – You might think you already do this, but driving is something most of us do by motor memory (especially on a boring commute). It's easy to get distracted by a song on the radio or a bird flying by. Stay alert and you'll be more read more...