Sept. is Fall Prevention Month
Every 11 seconds, an older adult is seen in an emergency room for a fallrelated injury. Most people think falls are just a normal part of aging, but that’s incorrect. Many falls are preventable. Check out these tips to stay safe!
z Find a good balance and exercise program: Your local Area Agency on Aging, or Senior Center is a great place to start. Look to build flexibility, strength and increase your balance.
z Regularly review your medications with your doctor and pharmacist: Make sure the side effects of the medication you are taking aren’t increasing your risk of falling. Take medications as prescribed. Discuss recent falls with your physician and consider an assessment of your risk of falling.
z Get your vision and hearing checked: Keep up with annual eye exams, and update any changes in your prescription. Your eyes and
ears are key to keeping you on your feet.
z Keep your home safe: Remove tripping hazards, increase lighting, make stairs safe and install grab bars in key areas.
z Talk to your family members: Enlist the help of family members if there are areas of your home you need modified. If your goal is to remain safely at home as you age, there are most likely changes to be made that will ensure that you can age in place. Taken from “Six Steps to Help Prevent Falls in Older Adults”, National Council on Aging. Lindsay Adams is a Senior Advisor with Assisted Living Locators. She can be reached at (303) 775-6312.
9th Annual Empty Bowls
The Carbon Valley Help Center is a virtual beehive of activity. On Saturday, August 26th we held our 9th Empty Bowls fundraiser. Thanks to our supportive community members, it was a great success. The event included a table full of beautifully painted bowls which attendees took home with them. We also had a silent auction, ice cream sundaes, the talented district jazz band, student art, presentation of the colors with a singer for the national anthem and a cakewalk . All contributed to a very special and memorable day. Thank you to all of our sponsors and donors. We couldn’t do what we do without your support.
Move & Lose 6-Week Reset Challenge & New Fitness Class
Are you tired of feeling off track and inconsistent with your health and fitness goals?
I understand how challenging it can be to stay motivated and maintain a routine, which is why I’m here to help you rebuild and thrive.
Ladies, join us for the Move & Lose 6 Week Reset Challenge that starts September 18th. The purpose of this challenge is to improve your overall health by getting your body moving, gaining lean muscle, losing fat, and to help improve your nutrition and water intake.
The Reset Challenge will include a weigh-in, body composition analysis, and Reset Guide to give you tools to succeed. There will be a cash prize for the winner, plus other prizes to earn during the challenge for different fitness activities. Registration and weigh-ins will be in
person Saturday Sept 16th - 20th.
See my website for information on when and where to register.
It’s required you attend once per week any of my Group Fitness Classes OR be a Personal Training client to participate (each of these has a different price depending on which you choose). My Group Fitness Classes are Cardio Walking Workout Tuesdays at 10am in Carbon Valley and Weds at 7pm, Interval/Strength Training Mondays at 9:30am, and Corefirst Training Fridays at 9:30am. Are you ready to improve your health and get back on track? Go to http://www. TimeForChangePersonalTraining.com to find out more about the Challenge, my Classes, and Mobile Personal Training. Contact Tracy Rewerts, NASM Certified Personal Trainer and Corrective Exercise Specialist at 303-828-2856.
Miners Day & Burro Race
Saddle up, Carbon Valley! Show your love for the community during Frederick’s heritage celebration, Miners Day, on Saturday, September 16. Promote your business during our premier community event packed with a parade, burro race (you read that correctly), food vendors, bands, bounce houses, and of course, fireworks. This event is all about celebrating Frederick with a mix of old-fashioned fun and top-notch entertainment
Patriotism in the United States runs deep and is tied intricately to the nation’s hard-fought struggle for independence and the principles in its Constitution. That same devotion remains strong in Weld County, Colorado. Now, more than ever before, patriotism requires active participation and vigilance, in our state, to protect the freedom and constitutional rights that define America.
To ensure the survival of sacred beliefs such as the preservation of life, liberty, and the pursuit of happiness, Americans (Coloradans) must:
•Educate themselves and the next generation about their nation’s history, laws, and democratic processes. Knowledge empowers citizens to advocate for their rights effectively and fosters a sense of responsibility to the nation’s future.
•Engage in civic gatherings–Vote (for those who represent your core values), attend town hall meetings, and participate in open, respectful discussions across differing viewpoints. The U.S. is officially into the presidential election season now that the debates started. However, our local municipalities have elections this November and next April, as well.
•Hold elected representatives accountable by regularly observing their actions, making sure they align with our constitutional values, and when necessary, challenge decisions
that encroach upon citizens’ rights. Don’t wait until the gavel falls. Each of our small communities have experienced division, recalls, and growing distrust of our elected officials. Citizens should be as involved as possible as elected officials work for the voters and their constituents.
•Support an independent judiciary, where judges are free from political and mob influence, ensuring that constitutional principles are upheld and that the rule of law prevails.
To truly preserve freedom and constitutional rights, it is imperative to recognize that patriotism does not mean blind allegiance, but rather an unwavering commitment to the moral, core values that our nation stands for: one nation under God. It involves acknowledging the country’s past, both triumphs, and mistakes. Lately, the louder a group projects their message, greater attention is received—but that doesn’t mean that particular message is good for America and what our nation stands for. It would do us good to review the huge, life-changing sacrifices many individuals suffered for the betterment of our country. Those individuals sought God’s direction and received His strength to achieve the results that made us a great nation.
We must, together, keep moving forward, to ensure ongoing freedom and constitutional rights. Men and women fought battles for this, and Americans have the responsibility to preserve that foundation. Our children need a future where the flame of liberty burns brightly.
Serving SW Weld County: Firestone, Frederick, Dacono, E. Erie, E. Longmont
The Race Across the West Update on Local Team
Angel and Carlitos send thanks for customer and reader support of this 930-mile endeavor, taking place June 2024. They are registered and gearing up for ongoing training. They have a team leader and are gathering the crew.
If you missed out on supporting the registration drive you can still be involved in the BIG RACE! Monies need raised for training expenses, the actual race (more details coming), riding gear, and jerseys. Corporate sponsors get logos on the jerseys. Venmo $ gifts.
The Consumer Report keeps readers updated, monthly in print and social media.
Team Shalom Bikes need sponsorship support, so if you’re a business who’d like some free exposure, consider sponsoring this Carbon Valley team. They’ll need a motor home for the race, water and food supplies, fuel, and other necessities during the actual race, which gets televised and great media coverage.
For more info or bike repairs, check out Shalom’s Mobile Bike Shop at 303.833.4160 or search shalombikes on Facebook.
For a full story see www.issuu.com/ home/published/ cvcrjuly23
Local Churches
Abundant Life Church 4380 CO-66 | Longmont 80504 970.535.0311
Pastor Jim Coleman www.alcworshipwarriors.org
New Horizons Christian Church 701 Carbondale St. | Dacono 303.833.3013
Pastor Rob Thomas St. Brigit Episcopal Church 110 Johnson Street | Frederick 720.208.0280 www.stbrigit.org
L.I.F.E. Fellowship Frederick 451 Oak Street | Frederick 303.304.1159
Pastor Brady Thornton www.lifefrederick.org
Rocky Mountain Christian Church 5860 Majestic Street | Frederick 303.652.2211
Pastor Matt Cote www.rmcc.org
Carbon Valley Church of Christ Thunder Valley K-8 in Frederick 720.438.5430
Pastor Clayton Johnson www.carbonvalley.church
RINN United Methodist Church 3783 Bella Rosa Pkwy | Frederick 303.776.1578 www.rinnumc.org
Destiny Church 307 S Fulton Avenue | Ft Lupton
Pastor Rob Rocca www.yourdestinychurch.org
Purpose Church 9993 Cty Rd 11 | Firestone 303.651.1640
Pastor Brian Thompson www.purpose.church
Carbon Valley Church 600 5th Street | Frederick 720.438.5430
Pastor Clayton Johnson www.carbonvalley.church
Calvary Carbon Valley 701 Fifth Street | Frederick 720.201.3337
Pastor Joe Kitto www.calvarycarbonvalley.church
Frontier Church-Carbon Valley 701 Carbondale St. | Dacono 720.418.8400
Pastor Steve Osborn www.frontierchurchcv.org
Event Calendar
☐6 Week Move & Lose Reset Challenge Starts September 18th!
Ladies, join us for the 6 Week Move & Lose Reset Challenge. See my article in this paper for more info or my website. Group Fitness Classes: Interval/Strength Training Mondays, Cardio Walking Workout Tuesdays (in Carbon Valley) and Wednesdays, and the CoreFirst Trainer Class Fridays. See my website for times and Info. Also, Mobile Personal Training where I come to you! Contact Tracy Rewerts, NASM Certified Personal Trainer & Corrective Exercise Specialist at https://TimeForChangePersonalTraining.com or call 303.828.2856..
☐Platteville Lions BINGO
Fridays, September 15th & September 29th. Doors open at 5:30 pm, Bingo at 7 pm, at Platteville Community Center at 508 Reynolds Avenue. $12 for all games, cash only. Proceed go to Valley Youth Wrestling Club and Boy Scouts selling concessions
☐Miners Day Sept. 16 Centennial Park, Frederick
Miners Day is our premier community event that originated as a celebration to honor and remember Frederick’s mining heritage. This annual event features family-oriented fun and entertainment throughout the day including a parade, burro race, vendors, food trucks, activities, contests, and live entertainment. Per tradition, Miners Day will conclude with a spectacular evening concert and fireworks display. Additional event details are as followed: A detailed schedule from our first festivity at 8 am to our closing fireworks at 9 pm can be found at this link: https://www.frederickco.gov/240/Miners-Day
☐Historic Redstone District and the Redstone Castle September 9, the Carbon Valley Chapter of the Daughters of the American Revolution will kick off its DAR calendar year with a meeting at the Carbon Valley Library, 7 Park Avenue, Firestone. Social time begins at 10:00 a.m. followed by a program and the chapter meeting. Need to replace American flag with a 3 x 5 polyester flag. More info at carbonvalleychapternsdar@gmail. com for the meeting or the flags.
☐Cars & Crafts Sept. 23 at the American Legion #1985, Firestone, Grant St between 1st and 3rd. 12-4pm, Beer Garden, Food, Music, 50/50 cash drawing. More info at 303.833.3878. Craft Fair inside the American Legion at 870 First St, Firestone.
Area Mayors’ Report—For those of us who do not attend meetings
daCono Mayor, adaM Morehead
z Greetings Dacono and our Carbon Valley neighbors,
z I apologize it has been so long since I have sent a report, it has been a challenging year. The last few months have
been busy in Dacono. We welcomed two new City Councilmembers in July, Michelle Rogers and Tony Cummings. I hope you were able to attend the 15th Annual Dacono Music & Spirits Festival earlier in August. Each year the event continues to grow and is a fantastic day of family fun, live music, and an opportunity to showcase this great community. Summer is not over yet; we have one more Music & Movie on Saturday, September 9, at Centennial Field.
z Looking ahead, the City Council is excited to get back to work. The City Council will start a national recruitment for a new city manager in late 2023. This November, the City Council is asking the Dacono voters to consider amendments to the City’s Home Rule Charter to ensure that our local government operates transparently
prepared. Before any work begins, homes and businesses will receive multiple notifications via door hangers.
and ethically. Voters will also determine if the City should included in the High Plains Library District. We also have some very exciting new residential and commercial developments coming that are really exciting for Dacono as well as everyone in the area. I’ll fill you in as those take shape over the next year.
z Residents should also look for information regarding the upcoming Resident Survey. This is a National benchmark survey regarding local government satisfaction. Previously, City residents participated in 2015 and 2018. All households will receive a postcard in late August/September, a survey, and a reminder card. An online option and Spanish translation are also available.
z Adam Morehead, Mayor of Daconoz Responsible Growth: Comcast is advancing their fiber installation to Hunters Cove and Hunters Ridge neighborhoods. Once complete, they will move to the Sorrento subdivision. Over the next two years, Comcast will install infrastructure to provide multi-gig broadband internet speeds, video, mobile, voice, home management, and business products and services. As the project progresses, residents will be well-informed and
FrederiCk Mayor, traCie Crites
z As your Mayor, my commitment lies in listening to the voices of every resident in the Town of Frederick to facilitate solutions that collectively support our community.
z One matter I wish to bring closure to is the 1% sales tax proposal that has been under consideration. Your valuable input, expressed through thoughtful and heartfelt responses in the survey and engagements, resonate deeply with me. In numerous conversations I heard the desire for improvements to core services in key areas while many residents also responded with the clear request to responsibly utilize the resources available to the Town without a tax increase.
z After careful consideration of the economic challenges facing many of our residents, the Board of Trustees has decided not to pursue a new sales tax measure.
z We are grateful to the hundreds of residents who actively
z Reliable Infrastructure: Traffic signal installation is occurring at Hwy 66 and Foster Ridge Drive as part of the new QuikTrip development. The development is responsible for several public improvements including reconstruction of Foster Ridge Drive and Highland Drive, and an additional east-bound deceleration lane on Hwy 66. Public infrastructure improvements ensure that new development pays its own way.
z Public Safety: The newly remodeled boardroom/ courtroom is fully operational and open for public meetings. The renovations include advanced security features and strategic modifications to better accommodate Municipal Court, Board of Trustees Meetings, and Planning Commission meetings.
z Fiscal Stability: The Street Improvement Fund webpage identifies current road maintenance projects and outlines expected
engaged and shared their thoughts and recommendations. Your input has been immensely valuable in shaping our decisions.
z Although the Board will not pursue a transportation funding proposal this fall, I assure you that we remain fully committed to preserving Frederick’s transportation assets with an approach that prioritizes the quality of life and well-being of our residents. The Town will persist in strategic and efficient budgeting to make steady progress toward improvements. We encourage you to stay engaged as we move forward in addressing our transportation needs. We will continue to carefully listen to you, our taxpayers and keep you informed. FrederickCO.gov/1006/Traffic-Relief
z Additionally, the Town will continue to seek state and federal grants as well as funding from new developments in our community to help address concerns and conditions within our community, including but not limited to Hwy. 52 which we received several comments and concerns.
z On Aug. 8, the Board met with our CDOT partners to advocate your collective concerns for lane widening and improvements to basic service levels along Hwy. 52. This dialogue will be on-going to help elevate the voices of Frederick.
z Speaking of partnerships, the Town offers many opportunities to connect with the Board, Town staff, neighbors, and friends at our top shelf events!
z The premier event of the year, Miners Day, is Saturday,
revenue from the 1% sales and use tax revenues. The Board of Trustees approved $4.1 million for 2023 road work and any remaining funds can be carried over and applied to subsequent budget years. The fund can only be used for sustaining and improving Mead roadways. This year, staff identified road improvements for downtown, North Creek, Hunters Ridge, and the business district.
z Connected Community: Mead Community Day is scheduled for September 9 at Mead Town Park from 4-9:30 p.m. This year we’re excited to welcome Hazel Miller and the Collective, plus Grammy award-winning artist Bryan White to Mead! Mark your calendars for a day of games and activities, live music, vendor booths, food trucks, beverage garden, and FIREWORKS! For more information visit: https://bit.ly/2023MCD. Be sure to subscribe to our monthly Mead Messenger and email notifications: https://bit.ly/2St4Ye7. If you are new to Mead, check out our Resident Information webpage!
September 16, at Centennial Park (630 Eight Street with an entire day’s line-up of fun! FrederickCO.gov/240/Miners-Day
z Community Tour & Talk is Wednesday, September 20, Frederick Recreation Area, 8201 Colorado Boulevard - Come learn about improvements for snow and ice control for the upcoming winter season and have some dinner on us!
z Listening to our residents is important to address FREDerickian’s priorities for our Town. We have newly released surveys that we’d love to get your input on.
● If you have an idea, comment or concern relating to Frederick Recreation Area (FRA), Bella Rosa Golf Course or Centennial Park, we want to hear! (FRA not to be confused with the Carbon Valley Recreation District facilities: Recreation Center, Gymnastics/Senior Center) which are not managed by the Town and have independent programming. Frederickco.gov/316/
Communications-Engagement
● Water Infrastructure Master Planning As we prepare for our future water needs, the Town has kicked off two infrastructure master plans – Let us know what is most important to you. https://metroquestsurvey.com/6qr1h
z Thank you, Frederick, for helping shape our future and allowing me the honor of being your Mayor.
Letter to the Editor:
The following is a letter from my attorney explaining to the Dacono City Council and Mayor how they and their crooked city attorney violated the city charter and state law. They repeated the violations again at their 08/15/2023 meeting. Rampant repeated corruption in Dacono!
Jim Turini, Dacono TOM DOWNEY, ATTORNEY AT LAW
Re: Instructions regarding City Attorney’s Memorandum and Council Procedures
Dear Mayor Morehead, Clerk Taylor, and Councilmembers:
This firm represents Councilmembers Danny Long, Jackie Thomas, Jim Turini, and Kathryn Wittman of the City of Dacono City Council (the “Council”) in their individual capacities. The purpose of this letter is threefold: (1) to correct dangerous errors by former Dacono City Attorney, Kathleen M. Kelly, in the April 12, 2023 Memorandum addressed to Mayor Morehead and the Councilmembers (the “Kelly Memo”); (2) to demand that you do not follow illegal recommendations in the Kelly Memo; and (3) to recommend an appropriate and legal process for the Council to consider and vote on allegations of misconduct.
The Kelly Memo references alleged misconduct by certain Councilmembers, including violations of the City of Dacono Council Rules of Procedure (the “Council Rules”), and was issued pursuant to Section 8.1 of the Council Rules, which requires the Dacono City Attorney to issue a recommendation following alleged violations of the Council Rules. Unfortunately, the Kelly Memo contains fatal errors regarding the process for addressing alleged misconduct, and, specifically, proposes an undemocratic and illegal forced recusal of a block of Councilmembers.
First, pursuant to the Council Rules, the Kelly Memo’s Section V recommendation that only two Councilmembers “fulfill the duties of the City Council in this matter” creates in the Council a legal impossibility to act. The Council Rules specify in Section 1.1 that the City Council consists of the Mayor and six Councilmembers and that a simple majority of Councilmembers constitutes a quorum. In case of a tie vote, the Mayor is counted for the purpose of establishing a quorum. Further, the Council Rules require all Councilmembers to attend meetings, because pursuant to Council Rules Section 7.1, “[t]he Council must have a quorum to do business.” Thus, with six Councilmembers, a quorum consists of no fewer than four people. It is therefore legally impossible for the Council to operate via the actions of only two Councilmembers when six Councilmembers are in
office, as two people (or even three, with the Mayor voting in case of a tie) cannot constitute a quorum.
Second, the District Court is the proper venue in which to address the allegations of misconduct discussed in the Kelly Memo, and the memorandum fails to make this clear. Instead, the Kelly Memo cursorily states in Section II that “Enforcement of the Open Meetings Law is reserved to the Colorado State courts, which may issue injunctions . . .” but then describes in detail only the Council’s internal processes for addressing the alleged violations. The Council is not capable of correcting violations and is not the proper venue in which to address such allegations. In contrast to the district court, the Council may not issue injunctions: per Section 8.2 of the Council Rules, the Council may only sanction conduct that does not comply with the Council Rules by issuing a reprimand or censure. Thus, any sanction by the Council has no retroactive effect and can have no impact on the allegedly tainted prior Council votes discussed in the Kelly Memo. If the Mayor and certain Councilmembers wish to bring a substantive, not purely political, challenge alleging misconduct by other Councilmembers, please feel free to file a formal complaint in District Court.
Finally, the Kelly Memo errs in suggesting that the four Councilmembers who are subject to allegations of misconduct should be recused as a block, with the two remaining Councilmembers making and approving a single motion finding Councilmember misconduct, regardless of whether multiple violations by multiple Councilmembers are found. In Section V, discussing procedures for voting on Councilmembers’ alleged misconduct, the Kelly Memo states that “Councilmembers Crespo and Plain will need to fulfill the duties of the City Council in this matter.” This recommendation, instructing the Council to recuse the four other Councilmembers as a block, is incorrect and has no support in the Council Rules, Colorado statutes, or caselaw. Accordingly, the Kelly Memo cites no legal authority for this assertion, nor provides any examples of forced block recusals. In fact, by contrast, Section 3.4.3 of the Rules requires every Councilmember to vote on every question, except one concerning “his or her own conduct . . . .” Similarly, Section 5.3.3 requires that “each Councilmember shall . . . Vote on every motion, resolution or ordinance that comes before the Council.” Therefore, the proper procedure is to recuse Councilmembers individually, in turn, when voting on each Councilmember’s respective conduct, with all Councilmembers except the single recused Councilmember participating in each vote. Recusing four Councilmembers as a block and/orallowing only the two remaining Councilmembers to make and approve a single, collective motion pertaining to multiple allegations of misconduct by multiple Councilmembers would
system, which affords individuals the right to be tried individually for their own misconduct.
Instead of following the Kelly Memo’s illegal recommendations, the Council should lawfully act as follows:
If the Mayor and any Councilmembers wish to proceed with a Rule 8 motion, Councilmembers must hold a separate vote specific to each individual Councilmember against whom allegations are pending, with only that certain implicated Councilmember recused from that specific vote.
To put it as plainly as possible:
a. A motion regarding any allegations and disciplinary action against Councilmember Long may be brought at once, with all Councilmembers voting, except Councilmember Long. The Mayor only votes in case of a tie.
b. Next, a motion regarding any allegations and disciplinary action against Councilmember Thomas may be brought at once, with all Councilmembers voting, except Councilmember Thomas. The Mayor only votes in case of a tie.
c. Next, a motion regarding any allegations and disciplinary action against Councilmember Turini may be brought at once, with all Councilmembers voting, except Councilmember Turini. The Mayor only votes in case of a tie.
d. Finally, a motion regarding any allegations and disciplinary action against Councilmember Wittman may be brought at once, with all Councilmembers voting, except Councilmember Wittman. The Mayor only votes in case of a tie.
Please heed these recommendations and do not hesitate to contact me with questions, or if you have retained counsel, please instruct your counsel to contact me with questions.
Sincerely,
Solomon said, “Death and life are in the power of the tongue.” If you’ve been around the block some, you know how true that statement is. Death entered the world from the influence of the lying tongue of Satan. What’s significant about the tongue is that we all have access to its power. Interestingly, even if you literally had no tongue, you could still exercise its power in your life. The reason this is true is because the tongue has no ability of its own. The power source is really the heart of the individual. Jesus said in Matthew 15, “Do you not understand that everything that goes into the mouth passes into the stomach, and is eliminated? But the things that proceed out of the mouth come from the heart, and those defile the man” Jesus is saying that what really makes a person impure has to do with their words and their actions. The tongue just happens to be the visible and audible organ of the body that people see and hear. No one is exempt, all of us have the responsibility to control our tongues, all of us have the opportunity to use the power of the tongue for life or for death. There are few acts more heinous than when a young person has committed suicide
due to the bullying of his or her peers. Such an incident involved a teen named Megan Meier. Megan committed suicide three weeks before her 14th birthday. Megan, like most young people, enjoyed time on the internet and social media. Her mother closely monitored Megan’s internet use, but even still, it was not enough to prevent what had happened. Megan and a friend from down the street had a falling out. Soon after this relationship ended, she met a boy online named Josh. Things started out fine, but then one day Josh started asking accusatory questions online. Things progressed from bad to worse as other kids she knew joined in on the bullying. One day, there were some especially negative and harmful things said to her, including, “The world would be a better place without you.” Megan went to her room upset and hung herself. That story is horrible enough as is, but it gets worse. It was discovered that “Josh” wasn’t a boy. Josh wasn’t even a teen. “Josh” was actually the mother of the girl who used to be friends with Megan. This mother wanted to crush Megan online and make her life miserable. Well, it worked. People, our tongues are so powerful! If you claim to belong to Christ, there is a much higher standard to live by.
Clearly, our tongues have the power to
destroy the physical lives of others, but we need to understand that our tongues have the power to crush and destroy spiritual lives as well, which from an eternal perspective, is worse. We tear down and discourage. We insult and condemn. We humiliate and defame. People leave Christ and His church over the abuses of the tongue. Solomon said, “Death and life are in the power of the tongue,” but he also said, “A soothing tongue is a tree of life, but perversion in it crushes the spirit”. How are you using your tongue? Does your tongue bring life? James writes emphatically about the use of the tongue: “See how great a forest is set aflame by such a small fire! And the tongue is a fire…But no one can tame the tongue; it is a restless evil and full of deadly poison. With it we bless our Lord and Father, and with it we curse men, who have been made in the likeness of God; from the same mouth come both blessing and cursing. My brethren, these things ought not to be this way” (3:5b – 10).
David wrote in Psalm 19:14, “Let the words of my mouth and the meditation of my heart Be acceptable in Your sight, O Lord, my rock and my Redeemer.” David wanted the Lord to look upon him with favor…may what I say and may the things I think about be acceptable in your
Real E$tate Re$ource$
Distressed Sales
I often get questions regarding homes that are foreclosures or bank repos on the market. With the low inventory of homes available, buyers are looking for any possible properties. A segment of the market is Distressed Sales, which includes foreclosures and short sales.
A short sale is where the seller owes more than the property is worth and the lender is willing to take a “short” payoff in order for the home to be sold. Foreclosures are properties where an owner no longer made the payments, and the lender has taken the property back and is then selling it.
The percentage of homes sold that were Distressed Sales peaked in 2009 during the foreclosure crisis at 49%, and slowly declined over the following years. By 2020, Distressed Sales only accounted for about 1 to 2 percent of the homes sold and have stayed in that range. This is mainly due to the large appreciation in home prices that we have seen over the last several years.
Even in a good housing market or good economy, there are difficulties that can face individual homeowners such as job loss, medical bills or other emergencies that can lead to not being able to keep up with house payments. Therefore, there will always be some minimal level of distressed properties on the market, but with the increasing equity that most homeowners have seen recently, that effect is minimized. Typically, even if someone is not able to make the payments on their home, they still have equity so they can sell the property, pay off the mortgage, and still have money left to start over.
If you ever get in a situation where you aren’t able to make your mortgage payments, reach out to your local Realtor to find out about what options you may have. On the other hand, if you are looking to purchase a home, don’t limit yourself to one type of sale, have a Realtor help you consider everything on the market.
sight O Lord! Do we feel the same way? Are we those who want the Lord’s acceptance? Is God proud of what we say? Is He proud of how we use our tongues? We need to be concerned with these things and strive in our lives to constantly be bridling our tongues. Because those things are wild and untamed. We can’t turn our backs for a minute, or a whole forest may be set ablaze. Let’s be determined to give encouragement, to build up, and to speak words of life into the hearts of those around us.
-Clayton Johnson is the minister and evangelist for the Carbon Valley Church of Christ which meets Sundays at Thunder Valley K8. Check them out online: www. carbonvalley. church.
Beef for Sale
Mallory Mini Farm is a small, local, family owned and operated farm in Frederick. We raise cattle and sell our beef. We have grass finished and grain finished and sell the beef by the 1/8 and 1/4 share, individual retail cuts and ground beef. Please call or text Angela at 970-308-5860 for more information.
