Real Estate Guide

Saturday Reporter-Herald September 4, 2010 E1

Real Estate Matters

www.homeandrealtyguide.com • Saturday, September 4, 2010 • Reporter-Herald

Examine reports when repairing credit ILYCE GLINK TRIBUNE MEDIA SERVICES

Q

uestion: I have made some bad credit mistakes due to my stupidity and the fact that I am not educated in financial matters.

I am looking to buy my first home. I have a credit score that isn’t so pretty. I have some negative information on my credit report. I want to know how to increase my credit status, fix my credit report and raise my credit score to the point where I can purchase my first home.

Answer: Mortgage lenders want every borrower to have a perfect credit report and a very high credit score. Unfortunately, about onequarter of Americans these days have poor credit histories and a credit score of 550 or below, which isn’t going to help you get qualified for financing.

If your credit score is poor, you should go to the website www.annualcreditreport.com and pull a free copy of your credit report from each of the three credit reporting bureaus. While the reports are free (you can get a copy from each of the three credit reporting bureaus free once a year), take the opportunity to buy a copy of your credit score from www.annualcreditreport.com, which will cost you about $9.

Look for errors or omissions on your credit report. While you admit you’ve made some stupid mistakes, you should also check for errors or information that has been incorrectly added to your report and could be dragging down your score.

Next, you should pay all of your bills on time and in full (if possible) each month. If it isn’t possible to pay all of your bills in full, you should at least make the minimum payment required each month.

Over time, perhaps a year or two, making on-time payments will increase your credit score and help to clean up your credit history.

During this time, be sure to use your credit card wisely (or open up a credit card account if you don’t have one), and pay off the bill at the end of each month. Getting a credit card means you will increase the total amount of available credit that has been assigned to you. Paying off the bill each month helps lower your “use ratio,” or how much of your available credit you’re using each month.

There are more tips about fixing your credit history and raising your credit score at my website, www.ThinkGlink.com. You might also want to check out the Equifax Personal Finance Blog (http://www.equifax.com/blog).

While I write the real estate blog for the site, the Equifax folks write about credit from their vantage I See GLINK/Page E2

Steps to Sell Home investments can pay off big when selling JILL SCHUETT APPLAUSE HOME STAGING

S

imple home improvements are really the starting point for setting the stage to sell a home.

Making a home as movein ready as possible is the key to competing in today’s market. And, statistics show that preparing a home for sale by putting in a little elbow grease, time and money into repairs, updating and home staging will reap a significant return on investment. In fact, a 2009 HomeGain national survey based on the 12 areas of home improvement identified by real estate agents in HomeGain’s original survey in 2003 show just that.

HomeGain surveyed

RH photo/Jade Cody

A well-manicured and spruced up landscape, such as in this Loveland home for sale at 2695 46th St., can add as much as 473 percent to the selling price of a home. Below, cleaning and de-cluttering a home can add as much as 872 percent to a home’s value. nearly 1,000 real estate agents in each of the United States regions.

All agents might not necessarily agree on the same pre-sale strategy. Differences of opinions may vary based on the climate of the market, region of the country or condition of the home in question.

The percentage of agents that agree on the positive impact of a particular presale activity is

summarized below.

FRESHEN IT UP • Remove wallpaper inOUT WITH THE OLD, IN cluding wallpaper borders WITH THE NEW and paint walls a nice While some home imneutral color. provement projects reap • Paint dark, outdated bigger dollar returns wood trim and doors than others, some simple updating like replacing a white.

• Paint dark wood panhome’s light fixtures and eling white, off-white, door handles as well as cream or beige. This will kitchen and bathroom give an instant face-lift to cabinet hardware with an old, dark room. modern brushed nickel • Make a positive first pieces will factor in to a impression by putting a home showing better and spending less time on the fresh coat of paint on the front door and replacing market. In a buyer’s mind, these updates cre- old, tarnished outside light fixtures and house ate value as “move-in numbers with new ones. ready appeal” — things After all the cleaning, they won’t have to spend de-cluttering, repairs and time and money changing out themselves. updating are done, hiring

a home stager may help pull it all together with proper furniture arrangements, adding décor and accenting all the unique, positive features of a home. See how putting a little time, effort and money in the right places in preparing a home to sell will really pay off.

Jill Schuett is a Home Staging Expert certified stager and redesign specialist serving the Northern Colorado area. For questions or more information, e-mail Jill Schuett of Applause Home Staging, LLC, jill.applause @comcast.net, or go to www.applausehome staging.com

Home Improvement: Return on Investment Home Improvement Project Clean and De-clutter Home Staging Lighten and Brighten Landscape Repair Plumbing Update Electrical Replace/Shampoo Carpet Paint Interior Walls Repair Damaged Floors Update Kitchen Paint Outside of Home Update Bathroom

Average Cost $100-$200 $300-$400 $200-$300 $300-$400 $300-$400 $300-$400 $400-$500 $500-$750 $500-$750 $1,000-$1,500 $750-$1,000 $750-$1,000

Home Price Increase

Return on Investment

$1,500-$2,000 $1,500-$2,000 $1,000-$1,500 $1,500-$2,000 $1,000-$1,500 $1,000-$1,500 $1,000-$1,500 $1,500-$2,000 $1,500-$2,000 $2,000-$3,000 $1,500-$2,000 $1,000-$1,500

872% 586% 572% 473% 327% 309% 295% 250% 250% 237% 201% 172%

Percentage of Agents Recommending 98% 82% 95% 94% 88% 89% 97% 94% 91% 69% 81% 70%

Inside this week’s Home & Real Estate

Real Estate Transactions Listings from Front Range properties recently sold

Page E2

26th Annual Historic Homes Gala & Tour Page E3

Featured Home Plan Granbury is a cozy ranch suited for a small family

Director y

Page E4

Page E4

Saturday Reporter-Herald September 4, 2010 E2

Glink From Page E1

Real Estate Transactions are supplied by Prospects Unlimited Inc., 1151 Eagle Drive No. 467, Loveland, CO 80537, 667-1537.

Ann, 280 Sand Grouse Dr, Loveland, $231,500, home • Kathryn Hahn from Hsbc Mortgage Services Inc, 4229 Rocky Ford Dr, Loveland, $174,900, home Loveland • James & Pamela • Kevin & Kristen Berthold from Corder Hunter from Hunter Douglas G & Betsy L, Delmer E Iii & Douglas 1410 S California Ave, L, 1542 W 31st St, Loveland, $150,000, Loveland, $250,000, home home • Kirk & Susan • Busby Lp from Schneider from Federal Poudre Investment Home Ln Mortgage Holdings LLC, 1441 W Corp, 4357 Creekwood 39th Pl, Loveland, Dr, Loveland, $230,500, $170,000, home home • Ncr2d2 LLC from • William Willoughby Betty K Campbell Revofrom Harper Vera G, cable Tru, 1203 Des 2187 Evergreen Pl, Moines Ave, Loveland, Loveland, $226,000, $542,800, home home • Patricia Trust from Enloe Mark L & Kim R, Berthoud • Teresa Benson from 3207 S County Road Ryder William L & 29, Loveland, Rhonda J, 4701 Karen $595,000, home Ct, Berthoud, • Pinghui & Suelan $302,000, home Kao from Loveland Midtown Development • Susan Chesson I, 1974 E 11th St, from Sullateskee Bill R Loveland, $174,900, & Renee Y, 4204 Meinhome ing Rd, Berthoud, • Gloria Krebs from $390,000, home Loveland Midtown Devl Inc, 1801 Gemini Ct, Estes Park Loveland, $172,400, • Lawrence & Janet home Zeschin from Middle• David Pierce from dorf Barbara Anne, 514 Spicka Family Trust, Grand Estates Dr Unit 107 W 29th St, LoveC7, Estes Park, land, $450,000, home • Joseph & Shannon $189,000, condo • David Barreto from Hoefler from Fannie Mae, 731 S Edinburgh Boon David Y & June A, Dr, Loveland, $245,900, 338 W Riverside Dr, Estes Park, $180,000, home home • Kenneth Morgan • Ronnie & Joyce from Morgan Dora J, Ashby from Roskam 721 Zircon Ave, LoveMark E & Virginia L, land, $160,000, home 1421 Sunny Mead Ln, • Robert & Patricia Estes Park, $607,500, Caines from Busch Jeremy James & Peggy home

Johnstown • John & Carol Williamson from Ryland Group Inc, 138 Saxony Rd, Johnstown, $283,200, home • Garth Ward from Cook Kevin J, 111 Alabaster Way, Johnstown, $193,400, home • Thomas Mcmunigal from Simpson Melissa Ann, 465 Frontier Ln, Johnstown, $187,000, home

Milliken • Karlyn Hansen from Psk Invest LLC, 80 Mountain Ash Ct, Milliken, $142,000, home

Windsor • Golden LLC from Deiffenwierth James Henry Ii, 529 Main St, Windsor, $260,000, home • Bear LLC from Mile High Bk, 1292 Main St Unit 4, Windsor, $100,000, condo • Brent Jungemann from Hemphill Matthew & Holly, 536 Wycombe Ct, Windsor, $210,000, home • Nicola & Anne Demacopoulos from Mitchell Chris A & Krysia N, 6693 Spanish Bay Dr, Windsor, $494,000, home • John & Sandra Walker from Moran Michael W & Shari L, 230 Mallard Ct, Windsor, $355,000, home • Michael & Shari Moran from Wamu 2007 Oa5, 328 N Shore Cir, Windsor, $587,000, home

Regional Snapshot for Loveland/Berthoud Residential May 2010

June 2010

July 2010

Active Listings Previous Year Active Listings

1117 1080

1101 1095

1092 1086

Sold Listings

158

169

111

$214,500 $198,000

$234,000 $207,500

$238,000 $208,000

Average Days on the Market Previous Year ADOM

117 125

132 121

130 125

Year to Date Listings Sold Previous Year YTD Listing Sold

559 440

728 579

839 760

Monthly Volume Previous Year Monthly Volume

$39,407,269 $24,919,043

$47,395,158 $34,313,560

$32,486,983 $44,166,425

the Loveland Newspaper

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Median Sales Price Previous Year Median

point, and they also spend time answering questions from site visitors.

By the time your credit score reaches 660, you’ll be able to apply successfully for a mortgage. In the meantime, you should start to save up for the down payment, closing costs and cash reserves that lenders now require.

The more money you have saved for a down payment, the easier time you’ll have trying to buy a home. These days, lenders will make it more expensive for those borrowers trying to put a low down payment on a home, and they will also make it harder to obtain a loan.

Question: Seven years ago, I took out a $300,000 20-year fixed-rate mortgage loan at 5.75 percent.

I currently owe $230,000 on the loan. I want to know if I should change the remaining loan to shorten it into a 10-year fixed-rate home equity loan at 4.5 percent.

Or I should do a straight refinance at 4.5 percent.

Which loan will be better for me?

Answer: Whenever you’re going to refinance, you need to consider several important questions: How much will you pay to either convert the loan or do a refinance?

How time-consuming or easy will it be to change the terms of your loan? Are you getting the best deal possible?

In your case, a 10-year loan should carry a much lower interest rate than 4.5 percent. In fact, as I wrote this at the end of August, I just locked in on a 15-year loan at 3.75 percent with low closing costs. I’m going to save money from the get-go, about $59 per month, so it’s worth refinancing, even though my current 15-year loan (which I got in November 2009) is at 4.25 percent.

The key point is to think carefully about how much you’ll pay either to convert your loan or to do the refinance. If you’ll have to pay $2,500 to refinance your loan but you can convert it for $500, and the interest rates are about the same for the two loans, you should go with the least expensive choice.

Of course, when it comes to your mortgage, the smartest move you can make it to pay the least amount possible for the loan, and then to pay it off as quickly as possible.

One last thought: Some people forget to consider that they need to compare the savings from the new loan over the old loan over the same period of time. If you have 13 years left on your loan and take out a 10year loan and still save money on a monthly basis, you’re doing great. But if you take out a 30-year loan and save money on a monthly basis, you’re actually worse off because you’ve just set yourself up for 17 more years of payments.

To see where things are for you, ask your mortgage lender or broker to give you a comparison of what your monthly payment would be on a new loan to pay it off on the same timetable as your current loan. That way, you get an apples-to-apples comparison.

In your case, you should see what your monthly payment would be on a new loan if you had to pay it off in 13 years. If your new payment is lower than your old payment and your closing costs are low or can be recouped by the monthly savings on the loan over six to nine months, you should refinance.

But if it will take you nine years to recover your closing costs on the refinance, or you’re extending the term of your loan for many more years to come, you might not want to refinance.

Question: I have never asked questions of someone I do not know over the Internet, but I do need to do something. I am just

plain scared.

I inherited this old house that my family bought in 1944. Well, I ended up taking a mortgage out on the property. Then I did some work on the house with some of the cash in the cash-out refinance, but not enough to make the house perfect or valuable enough.

I have had nerve damage to my legs since 1999. Because I wasn’t working, I started living off of the cash I took when I mortgaged the property.

I get $650 in disability checks each month and some Social Security. I am 61, never married and owe $145,000 on a home that has gone down in value from $288,000 last year to $275,000 this year, and I was told I’d be lucky to get $250,000 out of it. That possibly would leave me $80,000 to $100,000.

I now owe my lender about $154,000. I am in arrears with the mortgage because of going through a loan modification. My lender wants $1,600 per month, but I can only pay $948, and I have had to take in boarders.

I’m not sure what to do next. I’m not interested in a reverse mortgage, and I’m told if I sell the house, then I’ll have to use the cash for Medicaid reimbursements.

Someone from legal aid told me if I sold the house and collected the money, I’d have to spend it all right away.

The lawyer I spoke to told me he thinks I have been used. He said we should go to court, and he had me sign a paper that charges me $129 per hour. If we win, the money will come out of what I get. If I lose, then the rest of what I owe him will go against the loan.

I am tired and exhausted, and the housing market is so bad. The mortgage company has put me through hell. I feel sick every day. What should I do?

Answer: It sounds as though you are between a rock and a hard place. You own this property, but you can’t afford your mortgage. You’re living on disability, but you don’t get enough to get you out of trouble.

Here’s what I know from your e-mail: You no longer can climb stairs. You don’t want a reverse mortgage. You don’t want to stay in the property. If you sell the house, you’ll be ineligible for your disability payment (according to legal aid). You feel you were cajoled into signing a paper that provides for legal representation at $129 per hour.

I don’t know if you’re lucky or unlucky, but you should try to find someone else who can help you figure out what kind of money you would get out of your property and whether that would be enough for you to live on if you lose your disability.

Let me put it this way: You’re only getting $650 per month in disability. I don’t know what other income you’re getting, but if you sell the house and clear $100,000, you might be able to put the money in a safe investment that would allow you to draw down some of the money, giving you more monthly income than you have now. Plus, you would no longer have to pay the monthly mortgage or taxes. You would have to pay rent somewhere, but you might be able to find a place that suits you and your medical condition, and costs a lot less.

Can you live with a family member?

Maybe that’s the best option for a while.

You could contribute to their household but not have to worry about taking care of a house.

Find a good real estate agent and talk to him or her about listing your property. Also, get a second opinion from someone else about your situation. Talk to a different attorney in your area who is knowledgeable about elder care issues and real estate; it might be useful to get that person’s opinion of your situation.

Taking the first step is the hardest, but if you figure out your plan, you’ll get through it.

N. Madison Av.

H&RE Real Estate Transactions

Saturday Reporter-Herald September 4, 2010 E3

Foundation hosts annual gala and historic homes tour the Armstrong Hotel at 259 S. College Ave., Fort Collins Cost: $30 per person For more info: Go to ext week the Poudre Landwww.poudrelandmarks.com or for marks Foundation, Inc. will tickets call 970-221-0533 hold its 26th Annual Historic Historic Homes Gala and THE HISTORIC HOMES TOUR Tour in Fort Collins.

The homes in this year’s HisThe Historic Homes Tour is the toric Homes Tour will be in the primary fundraising event for Sheely Drive Neighborhood that Poudre Landmarks Foundations, features a number of mid-century Inc. the non-profit organization homes. The subdivision was built that maintains the interior of after the 1940s when water bethree historic buildings in Fort came more readily available in the Collins — the Avery House Hisarea. “Once there was water, evtoric District, Fort Collins Water erything started to boom. You’ve Works and the Museo de las Tres seen it in Loveland, and it certainColonias. The City of Fort Collins ly happened here,” Hoskinson owns these properties and mainsaid. The Sheely neighborhood is tains the external upkeep. tucked away south of the CSU The theme of this year’s gala campus, Hoskinson said, in a very and tour is Retro Revival and the quiet area with some interesting historic homes and furniture fea- 1950s and 1960s houses. Several tured are all mid-century modern. of them were designed by local ar-

JENNIFER LEHMAN SPECIAL SECTIONS REPORTER

N

THE GALA The Historic Homes Tour Gala will be held at Ace Gillet’s lounge in the Armstrong Hotel in downtown Fort Collins. The foundation always tries to include a local business for their evening event and in the past have worked with the Edwards House Bed & Breakfast and the Silver Grill, said Susan Hoskinson, executive director of Poudre Landmark Foundations.

The gala will have food, wine and beer, piano jazz and tours of the historic hotel and surrounding neighborhood. There will also be a silent auction with vintage aprons, gift certificates to benefit the foundation and other items along with a display of mid-century furniture from Brand Spanking Used Thrift Store in Fort Collins.

If you go to the gala: When: Sept. 9, 5:30-7:30 p.m.

Where: Ace Gillet’s Lounge in

chitects, Hoskinson said, taking their inspiration from concepts set out by Frank Lloyd Wright including the 1801 and 1601 Sheely Drive homes.

Several of the homes in the Sheely Drive Neighborhood had plans for fallout shelters and some were completed. At one home on the tour, visitors may be able to peek inside one of the fallout shelters, Hoskinson said.

On the day of the tour, lace making demonstrations will be held at the Avery House at 328 W. Mountain Ave. by members of a lace guild in conjunction with an exhibition of lace garments held at the Avery House throughout the summer.

The Historic Homes Tour will also include two newly built bonus homes on Maple Street and North Grant Avenue with minimalist architecture built by builder, By Design. By Design will be holding an-

Courtesy of Poudre Landmark Foundations, Inc.

The mid-century home at 1801 Sheely Drive in Fort Collins will be featured on this year’s Historic Home Tour and was built by the owners of Valley Block, the local concrete company that started in the mid-1950s. ice cream social at the bonus homes on Maple Street during the tour that is free and open to the public.

If you go on the historic homes tour: When: Home Tour 10 a.m.-4 p.m., Sept. 11; Lace making demonstration, noon-4 p.m. at Avery House.

Where: Tour is focused on Sheely Neighborhood Homes in Fort Collins: 829 Juniper Lane, 1600 Sheely Drive, 1801 Sheeley Drive, 1901 Sheely Drive. Bonus

will lead the walking tour.

If you go on the walking tour of historic buildings near CSU: When: 10 a.m., Sept. 11. The tour is an hour long.

Where: The tour begins at the corner of South College Avenue and Laurel Street.

WALKING TOUR OF CSU’S HISCost: $5, spaces are limited so TORIC BUILDINGS advance registration is required.

The same day as the Historic Call 970-221-0533.

Homes Tour there will be a tour of For more info: Go to the historic buildings on the CSU www.poudrelandmarks.com or for oval. James Hansen, author and CSU professor emeritus of history tickets, call 970-221-0533 homes: 726 and 732 Maple Street.

Cost: $20 in advance and $25 available at the door of each home the day of the tour.

For more info: Go to www.poudrelandmarks.com or for tickets, call 970-221-0533

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This 5 bedroom, 4 bath home is loaded with upgrades. 4154 finished square feet plus a 3car garage. Granite counters, double oven, wood floors in kitchen. Open house Sat. 10:00-12:00. $429,900

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Saturday Reporter-Herald September 4, 2010 E4

H&RE Realtor of the Week

H&RE Featured Home Plan

RUTH MCMILLEN, KELLER WILLIAMS OF NORTHERN COLORADO Location: 2580 E. Harmony Rd., Fort Collins Contact: 720-9352469 or ruthm@kw.com Designations, Affiliations & Accolades:

R

uth McMillen finds that for her, some of the most appealing aspects of the real estate profession are the relationships she develops with her clients, and the opportunity to help them achieve their goals.

Her experience includes helping homebuyers with all types of transactions, including bank-owned and government-owned homes, as well as traditional types of home sales. She’s helped people purchase homes for themselves, or as investment properties.

Ruth, who was raised in Fort Collins and attended CSU, regularly receives good feedback from the people she works with.

Her most recent clients, who purchased a bank-owned home, said “Ruth, you did an excellent job.”

Remove volunteer tomatoes to prevent blight MITZI DAVIS CSU EXTENSION, LARIMER COUNTY • Early blight (Alternaria solani) is a common fungal disease of tomatoes in late summer.

Dark, concentric half-inch circles on lower leaves are an indication of the disease. Remove any volunteer tomatoes from the garden, avoid bruising leaves — especially when wet, and clean up garden debris when the season is over. Early blight can also infect potatoes and eggplant.

• For great bouquets from your garden, cut the flowers with a sharp knife or scissors at an angle to take up more water.

Place the flower stems into a clean bucket of warm water right in the garden, and then keep them in the coolest place in the house for a few hours or

overnight before arranging. Fill a clean vase with cool water and floral preservative. Then cut the stem of each flower at an angle and arrange your bouquet.

• Pinch off the tips of tomato plants and start to withhold water. This will stop new blooms from forming and will hasten the ripening of fruit already on the plant.

• Pick summer squash, zucchini and cucumbers every day or two to keep the plants producing.

Mitzi Davis has received training through Colorado State University Extension's Master Gardener program and is a Master Gardener volunteer for Larimer County. For more information about CSU Extension, Larimer County, call 970-498-6000 or visit www.larimer.org/ext.

corner opposite the windowed wall. Nothing more than a differaulted ceilings ence in floor covering in the ranchmarks the transition style Granbury create a relaxing sense between the great room and vaulted dinof spaciousness in a ing room. home with slightly Windowed on two more than 1,800 sides, the dining room square feet of floor space. Slender wooden is a naturally bright area. Sliding glass posts support the doors open onto a painviting front porch, tio that could be and painted shutters accent the multipaned screened and covered, if desired. A peninsular windows. Taken toeating bar bounds a gether, they evoke memories of beloved homes from the not so distant past.

Inside, light washes into the vaulted entry through a sidelight and transom. The wide, arched opening on the left leads into a room that could be furnished as a den, parlor, library, or even a home office. The window bay that expands it toward the front lets in plenty of light, while a pocket door on the opposite wall links this space directly to the kitchen.

The entry ceiling slopes up from the front, then sweeps gently down into a vaulted great room with a wide window at the rear. A gas fireplace nestles into a

ASSOCIATED DESIGNS

V

kitchen that’s almost fully open to the dining room.

It’s an efficiency kitchen, with the sink, stove and refrigerator set in a tight, step-saving triangle. Counters wrap around parts of four sides, and a roomy pantry fills one corner.

A skylight brightens the private bathroom in the Granbury’s vaulted owners’ suite.

Other features include: a walk-in closet, dual vanity, an enclosed toilet, and a

large shower.

For a review plan, including scaled floor plans, elevations, section and artist’s conception, send $25 to Associated Designs, 1100 Jacobs Dr., Eugene, OR 97402.

Please specify the Granbury 30-662 and include a return address when ordering. A catalog featuring more than 550 home plans is available for $15.

For more information, call (800) 634-0123, or visit www.Associated Designs.com.

36-316323

For home and real estate advice, features and information, visit www.homeandrealtyguide.com

Granbury perfect for small family

saturday

sunday

PRICE

LOCATION

ADDRESS

HRS

OFFICE

PHONE

PRICE

LOCATION

ADDRESS

HRS

OFFICE

PHONE

$179,000

BERTHOUD

10818 CIMARRON ST #204

1-5

THE GROUP, INC.

970-481-1250

$142,600

NE LOVELAND

1635 GRAY’S PEAK DR. #5-103

1-3

RE/MAX ALLIANCE

970-226-3990

$199,900

SE LOVELAND

1250 FINCH

10-2

MIRASOL MARKETING 970-635-5931 GROUP

$179,000

BERTHOUD

10818 CIMARRON ST #204

1-5

THE GROUP, INC.

970-481-1250

$324,000

SE LOVELAND

4635 TARRAGON DR

1-4

THE GROUP, INC.

970-217-3464

$293,547

FORT COLLINS

5427 BROOKLINE DR

1-3

THE GROUP, INC.

970-218-1891

$335,000

FORT COLLINS

939 SNOWY PLAIN ROAD

12-5

THE GROUP, INC.

970-443-9910

$324,000

SE LOVELAND

4635 TARRAGON DR

1-4

THE GROUP, INC.

970-217-3464 SW LOVELAND

1/4 MILE WEST OF WILSON ON 14TH ST. SW/HWY 402 TO THE DAKOTA GLEN SUBDIVISION

12-4

GLEN MARKETING TEAM, ERA

970-663-4522

$335,000

FORT COLLINS

939 SNOWY PLAIN ROAD

12-5

THE GROUP, INC.

970-443-9910

$385,400

$385,400

SW LOVELAND

1/4 MILE WEST OF WILSON ON 14TH ST. SW/HWY 402 TO THE DAKOTA GLEN SUBDIVISION

12-4

GLEN MARKETING TEAM, ERA

970-663-4522

$399,750

SW LOVELAND

975 PRISM CACTUS CIR

12-4

GLEN MARKETING TEAM, ERA

970-663-4522

GLEN MARKETING TEAM, ERA

970-663-4522

$439,000

SE LOVELAND

503 EAGLE CREST COURT

1-3

PRUDENTIAL ROCKY MTN

970-481-1544

$450,000

SW LOVELAND

2635 GLADE ROAD

1-3

THE GROUP, INC.

970-222-9532

$570,000

SW LOVELAND

836 GREEN MOUNTAIN DR

1-3

THE GROUP, INC.

970-214-2452

$895,000

SW LOVELAND

288 RESERVOIR DR

1-4

PREMIER LIFESTYLE

970-481-5512

$399,750

SW LOVELAND

975 PRISM CACTUS CIR

12-4

$429,900

SW LOVELAND

553 HOURGLASS COURT

10AM-NOON KELLER WILLIAMS

720-935-2469

$570,000

SW LOVELAND

836 GREEN MOUNTAIN DR

1-3

THE GROUP, INC.

970-214-2452

$895,000

SW LOVELAND

288 RESERVOIR DR

1-4

PREMIER LIFESTYLE 970-481-5512

To add a listing or speak to an advertising representative, call the Reporter-Herald at 669-5050

For details about these open houses, see the ads in this section. For additional open house listings, please check the “Real Estate Classifieds” section of this publication. This guide is brought to you by the Daily Reporter-Herald, local real estate agents and area builders.

WWW.HOMEANDREALTYGUIDE.COM •CLICK ON

OPEN HOUSE MAPS

Saturday Reporter-Herald September 4, 2010 E5

750 W. Eisenhower L Loveland l d

669-1234

view more properties at: www.HomesInColorado.com Sara Long Sarah 214 214-9185

OPEN SUNDAY 1-3

Gerrie Chapman Gerri 690-1265

PRICE REDUCED

PRICE REDUCED

Gerrie Chapman Gerri 690-1265

2216 22 16 A Arikaree, rik ikaree, Loveland

1016 10 16 EElb Elbert, lbertt, LLoveland

4311 Grant 43 Grantt Ave., Ave., Loveland

3 bdrm bdrm, 3 bath 1/2 duplex duplex. Great Location! Beautifully maintained main with tile floors throughout main level and a wood burning fireplace. Nice yard with large patio and gazebo. $159,900

Motivated seller will look at all offers! Huge lot is .47 acre, 3 bedroom, 2 bath, with 2 car oversized garage. 1852 sq ft with large family room with fireplace. MLS #615226 $185,000

All brick ranch located in Old Town Loveland.

Loveland Original Origina & beautiful hardwood floors throughout, main floor master, built in hutch, bookshelves, gas fireplace, large rooms. MLS #635498 $300,000

Nanci Garnand 227 227-1327 or 6622-1810 www www.LivingInLoveland.com .Li LiviingInLovelan

Billie Myers 481-1883

OPEN SUNDAY 2 P.M. SHARP www.4950Avon.com www.49 4950 50A Avon.com

Lovely 5 bedroom Ranch home home, Vaulted ceiling ceiling, gourmet kitchen, Granite Countertops & serving area, A/C, Fireplace, Covered Patio, family room in basement. Fenced back yard. Kendall Brook. $369,900

PRICE REDUCED

Franci Wunderlich 667-1828

billiemyers@coloradohomesale.com

501 Radiant, Loveland

2255 W. 22 W. 77th th S St., t., LLoveland oveland St

Lovely 2 bed/2 bath patio home to warm your soul! New Dream Maker Warm Floor installed in master bath, vaulted open plan, gas fireplace, skylights, large windows, breakfast nook & hardwood floors! Upgrades throughout! MLS #626482 $189,900

Cute Victorian Cottage in old town Loveland! Fixer Fixer-upper with great potential. Zoned for many Residential or Business uses.

2 BR + office area, 1 bath, 2 storage sheds. Sold “as is”. Not a short sale. MLS #617551 $105,000

UNDER CONTRACT

Jill Leichliter 443-7789

Listed by: Ra Randy Ewan 481-5102

OPEN SUNDAY 1-4

www.JillSellsHomesInColorado.com

Host by: Ruth Hosted Wheeler 231-8420 Wheele

PRICE REDUCED

Ju Julie Stinson 622-1809

228 Meadowview Dr., Loveland

31 04 N N. Logan Logan Ave., Ave., Loveland 3104

1609 16 09 M Melissa elilissa D Dr., Loveland

Perfect horse set-up! Ranch on 3 acres with 3 bed/4 bath, office, and finished basement. Fabulous custom kitchen. Insulated, free-span 60’x40’ shop. Barn is 40’x24’ with custom stalls, tack & hay storage. MLS #630141 $569,000

Large tri level - 22,307 307 sq tri-level sq. ftft, 3 bedrooms bedrooms, 4 baths baths, very clean, bright & open. Excellent location, quiet neighborhood, great yard, 2 furnaces, fireplace, sprinkler system, & Blue Ribbon Home Warranty. MLS #635141 $198,500

Are you looking for a unique floor plan? This maybe it!! Updated multi-level on a large lot in SW Loveland. Immaculate! 4 bedrooms and 2.5 baths, hardwood floors, covered patio, garden shed and RV parking. MLS #621087 $209,900

Julie Stinson Ju 622-1809

OPEN SAT & SUN 2-4

Ju Julie Stinson 622-1809

OPEN SUNDAY 12-2

Julie Stinson 622-1809

1877 C 18 Cobalt, obbalt lt, LLoveland oveland

2165 21 65 W Westb Westbourne tbourne Dr., Dr., Loveland

2540 Mary Beth Drive, Loveland

Great Price! Super modern design design, custom upgrad upgrades, energy efficient, two master suites, full unfinished basement, bamboo flooring, tank-less water heater, two balconies & European cabinets. MLS #628847 $193,900

Close to hospital hospital, bike trail trail, Boyd Lake and shopp shoppping. Ranch with vaulted ceilings, kitchen island, fireplace, central air, finished basement and a nicely landscaped yard. MLS #636465 $183,500

SW Loveland “Santa Fe” model, 3 beds, 2.5 baths, master with a 5 piece bath, plant ledges, central air, gas fp, full unfinished basement, deck, sprinkler system all at a great price!

MLS #618313 $218,500

PRICE REDUCED

PRICE REDUCED

800 & 738 Gateway Park Lane Berthoud

1410 & 1408 Mount Meeker Street Berthoud

$209,900

$204,900

$5000 Builder Incentive to use as you choose! Apply toward closing costs, upgrades, or options! New construction by Strathmore homes in Gateway Park.

7190 Royal Country Down Drive, Windsor The Mulberry, built by Westmark Homes is a 2 story w/ 3 bed, 2.5 bath, study, formal dining, & breakfast nook.

9 ft. ceilings on main, gas fireplace w/ tile surround, Tharp cabinetry, slab granite kitchen counters, kitchen island, pantry & main floor laundry. Full front & back yard landscaping! MLS# 628271 $354,900

$196,500

OPEN FRIDAY SEPT. 10th 4-6PM

$202,000

Brand new ranch by Hawkstone Builders. 3 bed, 2 full bath, UF bsmt. Wood floors in kitchen, master w/ walk-in & private bath, vaulted ceilings, & front yard landscape and back patio.

Call Dennis Schick (970) 567-3942 for more properties, visit: www.dennisschick.com

Debb Manderscheid 215-8564 Serving wine & cheese

800 Engelman, Loveland Come see our updates, new roof, new window covers, new counters and back splashes, new lighting. Private Lake front with beach. MLS #605982 $575,000 36-311493

Saturday Reporter-Herald September 4, 2010 E6

H&RE Front Range Gardening Fall is the time for lawn recovery and planting new grass CAROL O'MEARA CSU EXTENSION

R

unning, leaping, swerving and diving is perfect for a relaxing afternoon in the Colorado sunshine. Sandlots and dirt yards are fine for pickup games and goofing off. But if you’re going to pirouette before mashing your face into the ground, what you love is nice, cushy turf grass.

Fall is the time for football and renovating your yard, when temperatures cool and grass gets a chance to plug in holes left by high summer heat. Now that the season wanes, get out and get your grass into gridiron shape.

Temperatures in the lower 70’s are ideal for cool-season grass regrowth, allowing thin spots to fill in and crowns to send up new shoots. Many lawns that browned under dry summer conditions may start to fill in again. A bit of water helps them recover, and areas stressed from Ascochyta or poor irrigation will make a comeback.

But the most important aspect to lawn rejuvenation is a strong fall feeding during September with a turf-builder fertilizer that has both quick and slow release nutrients. All-purpose mixes have 16 nutrients needed by turf to be healthy — a balanced fertilizer goes beyond offering nitrogen, phosphate and potassium oxide

(the N-P-K numbers).

Apply chelated iron to lawns that are slightly yellow from iron chlorosis. But be aware, not all chelation formulas work in our alkaline soils, so look for ethylene diamine dihdroxyphenyl acetate (EDDHA). The more commonly, and cheaply, available EDTA (ethylene diamine tetraacetate) is only active in pH-neutral soils.

Nitrogen, the most important nutrient for turf in fall, depends on temperature and moisture for release into the soil. When we have warm days plus a few rain showers, lawns get a quick boost of food, and under ideal conditions, turf — an active scavenger of nitrogen — will take up the nitrogen within hours of it being

put down.

Grass seed takes a while to gerThis is perfect for lawns towards minate, so keep humidity on the lawn for 14 to 21 days. the end of September, because the quickly available fertilizer will Use starter fertilizer at the time increase turf vigor, and the slow of over-seeding to feed the turf release will continue encouraging without burning the new shoots. turf rebuilding well into fall.

With close attention to care and Thin areas where the grass has a little pampering, your lawn will died off completely can be overrecover. seeded now. To get the best results from over-seeding, water the lawn 24 hours before aerCarol O’Meara is with ating. Pass the aerator over the CSU Extension in turf in two to three directions Boulder County. to open up many holes. ImmeContact her at diately over-seed with the grass 303-678-6238 or of your choice, but in general, comeara@co tall fescues do not blend well .boulder.co.us. with bluegrass, perennial rye or fine fescue because of its Front Range Gardening wide grass blades.

Harvesting potatoes and red peppers Green alternatives to commercial herbicides and insecticides Q LEE STEWART CSU EXTENSION

uestion: When do I harvest potatoes for fall and winter use?

Answer: Potato plants mature and die 70-to-100 days after planting. Harvest tubers 10-to-21 days after the plants die back. This step is important so potatoes “set their skin,” and also helps decrease bruising during harvest. Cure potatoes at 50-60 degrees for two to three weeks. Store the potatoes in an area with 90 percent humidity at 38-45 degrees. To prevent rot, don’t allow condensation to form on the potato surface.

Question: I never have red sweet peppers. How do I grow

them so I can get a harvest?

Answer: Colorado has a short growing season and it may not be long enough to get bountiful quantities of red peppers. When peppers reach mature size, they usually turn red. Harvest peppers with hand pruners to prevent plant damage. Frequent harvests encourage new fruit to form.

Question: The tops of my onions are laying on the ground. Some have tough stems with seed heads. Is this normal?

Answer: Seed heads should be cut off when they first appear to allow better onion bulb development. Onion tops normally lay down in mid-summer. When 80 percent of the tops are brown, lift the onions out of the ground just enough to break the roots. Let cure in the garden for a few days, cut off the dried tops and harvest.

To place an ad, call 970-635-3650 or go to www.ReporterHerald.com/classifieds and place your ad any time of the day or night. Fax: 970-635-3677…email: classifieds@reporter-herald.com

Houses Commercial Industrial 4040

4080 Houses

Approx 800 SF 1st floor commercial/office space, Mt Avenue, Berthoud, $700/mo + dep 970-532-2652 Best location in Berthoud, 350 SF commercial/office space, 345 Mt Avenue, $500/mo + dep 970-532-2652

Apartments/ Unfurnished 4030 Condos/ 1 rm, Studio+ Vintage apts Townhouses 4050 0 utils! On-site mgmt. W/D, DirTV $333-590 970-219-8162 1 BDRM, 1 BATH- $615 All utilities included!

HUGE windows let in lots of natural light!

Corner of 6th & Madison.

Avail Immediately!

Call 970-669-1375 1 Bdrm, 713 Garfield $420/ mo, Wall AC, avail 10/1 Call rmpm.com 669-0842 ✭1 BDRM apts. Clean!✭ Laundry & garage avail.

No smk/pets. $500/mo.

Call. 970-231-2566 ✭No Fri eve/Sat calls✭

3 BDRM- 2126 SW 3rd, $995. Unfin bsmt, 2 car gar.

Call rmpm.com 669-0842 3 BDRM- 4062 Don Fox, $1295, nr golf, Bright!

Call rmpm.com 669-0842

Duplexes

4060

1200 sf, 3bdrm on ⁄ acre btwn Berthd & Lovlnd.

1306 36 St. SW $850 + $850 Dep + Util 303.772-7390 1 2

2 BDRM, 1 Ba, must see inside! Frpl, W/D hkups, gar, large yard. All new. $750/mo. 3311 Butternut Dr, Lvld. 720-273-5924.

1 BDRM, no smoke/pets, near downtown, $500/mo, 2 BDRM, 1 ba, water/sewer utilities paid. (970)663-3910 pd, N/pets. $800/mo + dep.

970-218-9212 / 970-667-4646 2 BDRM, 1 BA, $6152 BDRM- 2606 Gilpin, Country kit, all appls, air, 8x10 storge. 1846 E 16th St. $825/mo. NICE! 1 car gar.

Call rmpm.com 669-0842 NO smk/pets. (970)667-0365 2 BDRM, 1 BA- 821 E. 7th St. 900 Sq. Ft. off st. prkg, 2 BDRM, Berthoud. Large A/C, coin-op, $600/mo. + liv rm, laundry rm, near school, cov pkng, yd, huge dep. 970-481-2969 storage. $685. 303-684-6554

EQUAL HOUSING OPPORTUNITY All real estate advertised in this paper is subject to the federal and state Fair Housing Act which makes it illegal to advertise “any preference, limitation or discrimination based on race, color, religion, sex, handicap, familial status or national origin, or an intention to make any such preference, limitation, or discrimination.”

The newspaper will not knowingly accept any advertising for real estate which is in violation of the law.

All persons are hereby informed that all dwellings advertised are available on an equal opportunity basis.

2 ACRES- 4 bdrm, 3 bath, 2 car gar, fruit trees. $1200/mo. (970)667-1498 2 Bdrm, 2128 Taft, $925/mo Classic! New carpet.

Call rmpm.com 669-0842

4080 Wanted To Rent

Rural House, quiet, room for livestock. 2 bdrm, w/d, full ba, $650 (970)481-0268

5110

Farmers/Ranchers, Colo Caregivers Wanted SINGLE family- $1250/mo.

Legal MMJ 5 bdrm, 1-3/4 ba, 2 car gar.

Caregiver Services Ranch w/fin bsmt, lg fam needs to lease your old outroom, new appl´s,W of Lk buildings. Top dollar leases Lvnd, N/S/P. 970-430-0288 per square foot paid.

FS BY OWNER buy agent • Legal Services ok 3%. Great home in great • Patients area.

Close to lake, schools.

• Technical Support 2863 sf. 4 bdrm. Below • Plants & Equipment appraised value. 2115 Leila To ensure you receive • Modular units also avail.

Dr. LVLD. 235,000. the best response to your Confidentiality, safety & 970-481-1048. MLS#637271 advertisement, please security. Call the Law check your ad the first Office of Stephanie Nelson HOME MUST SELL day of publication.

303-440-4420 Name Your Price!

We regret we cannot be 3 bed, 2 ba. Call for info. responsible for more 970-672-4577 than one day´s incorrect insertion. Billing inquiries can be initiated within 30 days of ad expiration.

✔✔✔✔

Mobile/ Manufactured Homes/ Spaces 5130

Mobile Homes/ Spaces 4090 ✭ 2 BEDROOM HOMES ✭ $575 to $650 + dep.

West Hwy 34. Pets nego.

Se Habla Espanol 970-685-8573

NEW 4 BD Double wides Easy approval ● Harmony Rd MHC 2500 E. Harmony Road Ft. C 80528. 970-420-8488

NEW HOMES REDUCED! 2 BDRM- 611 E. 8th, $895 Don´t miss out on this pets neg, unfin bsmt, 1 car. SAVINGS EVENT! Easy Call rmpm.com 669-0842 approval, quick closings & affordable payments.

Tax ID´s welcome. Limited 3 BDRM, 1-3/4 ba, 2 car, availability ACT NOW!! fncd yd, No smoking/pets.

Call 970-420-8488 *wac 2538 Tupelo Dr. Close to park & school. $1100/mo. + $1100/dep. Avail now!

970-567-1101

3 BDRM, 1030 Lavender, 2 BDRM, 1 BATH- $665 $995/mo. Ranch, 2 car gar.

All utilities included!

Call rmpm.com 669-0842 Clean and quiet end unit, ground level. Avail immediately!

3 BDRM, 2 BA, 1 car, lg yd, 3 BDRM, 2 BA, 2 car, all Call (970)669-1375 no smoke. $875 + dep. modeled, lg cov deck. $1200 Avail 9/15. 303-449-1531 No Pets, 1029 N. Redbud, HOME TO SHARE Loveland. 970-481-0646 Shared bath. $350/month.

3 BDRM- 845 Nyssa, 2 BDRM Townhouse Apt Near McKee. 970-980-4740 $875, fncd yd, 1 car gar. w/WD hkup, patio & 3 BDRM, 2 bath, 912 Call rmpm.com 669-0842 storage shed. 1408 S. Dowty E. Kelly Drive- ofc, (S. of HP) No pets. no smoke, no pets, $1195. OWN bdrm & bath, share $515. (970)667-2571 Call Dave (970)484-1313 house, smoking & pet OK. $400/mo. (970)635-2703 3 BD or 2 BD- Free rent!

Pets nego. Quiet & spac.

3 BDRM- 374 Gypsum, $625-$695. 970-223-1349 $1095, pets neg, Unfin bsmt OWN bdrm & bath, share Call rmpm.com 669-0842 kitch, W/D. Non-smoker.

2 CAR GARAGE Loveland Bsmnt Apt $450/mo. NW Lvld. 203-1667 2 bdrm/1 ba, new carpet, lg with electricity, $150/mo. rmpm.com.

970-669-0842 3 bdrm, fam/liv rm, kit, 2.5 kitchen, w/d, den area. Cbl, ba, 3 car gar, nice corner int & utl paid. $800/mo lot $1350/mo option to buy 518-232-2725 COMMERCIAL SHOP970-310-5278 or 970-690-2431 $850/mo. 1600 Sq Ft. rmpm.com. 970-669-0842 3 BDRM Loveland, 1 ba, W/D hkups, new carpet & Fully furnished large paint, fncd yd. $950/mo INSIDE STORAGE BLDG, $950/dep. No pets 970-988-8272 rooms. Laundry, A/C, 6000 SF & up w/ 14´ overcable, all util. incl.

2- 2800 SF bldgs w/bsmt, head door, starting at $900/ $325/mo. (970)227-1585 BERTHOUD- 807 7th St 1 warehouse 2304 SF. For- mo, elect inc. Off Ken Pratt 3 bedroom, 1 bath, merly Penners Appliance, & CR 1. (303)472-4542 corner lot with big trees. call (970)667-9983, 290-3876 $900/month. (970)532-0764 Large furn room inc utils, phone, cable TV, kitchen, STORAGE 20 x 40 lndry. $380/mo. 970-622-0077 6000 SF Retail/Warehouse with 14´ overhead door.

OWN your own home for on Hwy 287. Overhead door. $325/mo. Call (970)481-5899 what you pay in Rent!

970-593-2401 or 970-227-7447.

Lowest rates, WANTED: Storage Space $0 - $1000 Down Approx 700 SF 2nd floor Want clean storage space Free Prequalification. storage/office, NW corner i n L o v e l a n d f o r t w o Western Plains Realty Fully Furnished Hair Salon of Bunyan & 1st, Berthoud, vehicles and two trailers.

Ken or Tammy & office spaces, utilities $575/mo + dep 970-532-2652 30X50 steel barn would be 970-663-5008 included. 970-613-1477 ideal. 970-222-7043

Roommates Wanted 4120

Garages/Storage Spaces 4070

Commercial Industrial 4040

Loveland 4170

Rooms For Rent

4130

Retail Space 4135

Income/ Investment 5070

LOVELAND Adult Park, Turnkey Ready! 2 bd, 2 ba, great deal on recently updated 14x78 Solitaire mobile home. All new! Kitch applcs, W/D, furn, carpet/ vinyl, shower doors, toilets, wtr htr, swamp cooler, roof, storage shed. $13,500.

Call Delores 970-667-4389

Oil & Gas Opportunity 15% to 30% Annual Return Direct Participation/ Tax Benefits. Gary ✭ MOBILE HOMES ✭ 970-927-2764 or 970-309-1535 BUYING/SELLING Local park needs used mob homes. We´re buying! Big Sale! Many single & dbl wides. Fin avl, auto approval on owner fin homes.

1109 Yeager Dr., 3 bdrm, Bad credit OK! Moves avl.

1 ba, ranch,N-central loc, 970-222-1473 new paint/crpt, $164,900. ✭ 690-2725 or 690-3283 ✭ Owner carry, $140K. 303-517-0061 No agents 3 BDRM, 2 BATH, 2 car carport, lg enclosed porch, A/C, 2 sheds, nice yard! $315/mo lot rent in adult park. $30,000. (970)214-9427 for appointment to see.

Longmont

5090

Lots & Tracts

5100

2 ACRE LOT, Berthoud MOBILE HOME like new area, $40K price reduction, in Berthoud ✭ $28,500 $125,000. Call Steve Conder 303-772-4324 or 970-231-4289 for details, 303-514-3706.

Loveland

5110

BANK OWNEDTri-Lvl, 3 bdrm, 3 bath w/ bsmt. New floor coverings, int paint & appliances. $184,900. Re/Max Alliance, Wanda Quaid, 970-481-3033

2 BDRM w/ Workshop!

160k! Wd flrs, 2 car/ workshop - 220 elec, nice yard, downtown.

719-339-5016 /719-231-6604

Real Estate Wanted 5170 Mature responsible male looking to rent w/ option to buy 2 or 3 bdrm single family home. Willing to do repair/improve/maint.

970-692-1792

Rural

5180

~ HORSE PROPERTY ~ 5 bdrm, 4 ba ~ 5000 sq ft on 1.5 acre ~ Johnstown. $275K SS Western Plains Realty Ken or Tammy (970)663-5008

LIKE TO BE BOXED IN? A picture is worth a thousand words Try a classified picture ad! Call for details

970-635-3650

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KATHI TAYLOR CSU EXTENSION

O

rganic or “green” gardening is the goal of many gardeners. However, with the abundance of moisture this spring and summer, weeds are popping up everywhere and potentially harmful insects are prolific — what’s a gardener to do? Before reaching for a familiar bottle, consider greener alternatives.

Planting and cultural practices can help alleviate many issues in garden beds. Initially, prepare soil well, adding compost and aged manure in the fall. On established beds consider sprinkling a one-to-two inch layer of these materials after plants die back in the fall. Next spring, space plants more closely, install drip irrigation, and side dress with organic fertilizer.

And don’t forget to mulch. As heat ramps up, a thick layer of mulch will prevent many weed seeds from germinating, so hand weeding can be effective (and good exercise). These practices will reduce water use, weeds, and fungal disease. “Green” culture promotes healthy plants, able to ward off insects and disease.

Does your garden have weeds popping up in paths, hardscapes and gravel areas? Try clipping the stems at ground level and dousing the weeds with boiling water. While this won’t permanently kill perennial weeds, it will slow down growth. If walking around with boiling water isn’t your cup of tea, use a hefty spray of white vinegar — just be very careful, as it is caustic. All methods for killing weeds, including commercial preparations, work best on young plants. Also, don’t forget about digging up weeds. That burly weedy specimen unnoticed until now may be best dealt with your favorite weeding tool. If weeding really isn’t your favorite outdoor activity, preventing weeds from going to flower (thus setting seed) is a big step in reducing future weed problems.

Are aphids attacking your deciduous trees, spider mites infesting junipers and psyllids causing yellowing and distorted stems on tomatoes? Consider using the garden hose and a strong jet of water. If this doesn’t work, try horticultural soap. Soft bodied arthropods such as aphids, mealy bugs, psyllids and spider mites are susceptible to soaps. Although repeat applications may be necessary, most pollinators and predatory insects will not be harmed. Depending on climatic conditions, including temperature, wind and humidity, plant damage is a possibility. To reduce the chance, spray on cloudy days, early or late in the day, dilute the soap and be aware that homemade soap sprays exhibit more potential for damage.

If leafhoppers are careening around the garden, scale insects are moving up and down stems and whiteflies are floating through the air, you know the garden is a veritable smorgasbord for bugs. It’s not enough that the gardens are being eaten; powdery mildew, the bane of a damp and humid summer, is silvering the foliage. Grab horticultural oil and take charge. These oils, applied as a foliar spray, are useful as a fungicide and insecticide. If applied properly, oils display low toxicity to animals and humans. Household baking soda, mixed with horticultural oils, was found to have an effect on powdery mildew, but research is on-going with this potential solution.

Are earwigs, pillbugs, and slugs eating the foliage and fruit from garden ornamentals and vegetables?

Diatomaceous earth is a natural pesticide. Made from the ground shells of tiny fossil sea creatures, it is nonhazardous to humans and animals; however, it is a very fine dust. Wear dust masks and protective eyewear when spreading. Diatomaceous earth works by destroying the waxy coating on insects, causing them to dehydrate and die.

Have weeds in the lawn? Think about a natural alternative to conventional herbicides. Corn gluten meal, a byproduct of corn processing, is a natural herbicide that kills crabgrass and annual weeds, if applied in early spring — and it adds nitrogen to green up the turf. Applied correctly, it prevents normal root growth in seedlings.

Considering alternatives to commercial pesticides may take more thought and definitely more patience.

Yet each time a wise environmental choice is made, the earth benefits and you are going greener.

For more information on the above topics go to the CSU Extension website at www.ext.colostate.edu/ and consult Fact Sheets #5.547 and #5.569.