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Archive for the 'Homes for Sale' Category
Paying off my house and the BIGGEST load of CRAP in real estate.
Aug 30th 10
Are tax deductions worth the interest?
Should you pay off your mortgage? I think most people should.
Today I’m talking about mortgages, paying them off and what I consider to be a load of crap pushed on home buyers by the lenders of America, accountants and YES the real estate brokers.
I’ve never understood why everyone says “oh you have to have a mortgage because you get the tax write off.”
I say BS. Wouldn’t it be better to have a paid for house with no interest payment and just pay the tax?
Here’s my way of thinking and no it didn’t originate from me. I was raised by two depression era grandparents that were basically in a steady savings cycle preparing for the next GREAT DEPRESSION.
(BELOW-I may be off a little but I hope you are getting the picture. I’m going off memory as I did not go into the basement and dig out my tax returns to write this post.)
Two years ago I remember looking at my year end taxes and seeing that my wife and I had paid around $14,000 in interest to the bank over the year. I also noticed that my WONDERFUL tax deduction was around $2,400.
So basically I have to pay a bank ~ $14,000 in interest to keep from sending the government $2,400. Is this the Great American Home Tax Deduction everyone says is so wonderful? Not to mention over the life of these mortgage loans you pay hundreds of thousands in interest to get in my opinion “NOT MUCH” in the way of a deduction.
It looks like a load of goods the banks & government put together to make us feel batter about all the interest the banks charge us.
Personally I think I would rather send the government their tax and just keep all my interest. Besides living in a paid for house has got to be a GREAT FEELING. Think about it. You are recession proof. If you lost your job you could easily go work at an hourly job and make the yearly tax and insurance payments. Hopefully it would only be temporary..right?
Vacations Paid For in Advance
I talked to my accountant about ways to payoff our house and told him that over our lifetime it would save my wife and I nearly $200,000 in interest. He told me “oh, well if you do that you won’t get your deduction.” I explained my theory to him and he still tried to tell me I needed this deduction. When I asked repeatedly why I have to have this deduction he couldn’t give me a real answer. He like so many others in the country have been brainwashed into thinking that we MUST have our deduction. Again BS.
Pay your house off and live like a Prince or Princess and have your income to save, invest and SPEND as you wish. Can you imagine that?
The other side is my investment adviser. He says “Steve you need to be putting money away for retirement.” Well, we are still saving. He says all that money in the house could be earning more money in the market. REALLY. Have you seen the market? I don’t know about you but a few more of these every 10 year implosions and I’m done with “the market.” I have highly paid professionals begging for alternatives to the stock market. They all love real estate right now. YEAH.
If you have your house paid for at an early age and have the remaining years of your working life to save, invest and actually enjoy a paid for vacation how would that feel? I think it would feel pretty damn good wouldn’t it.
No matter how you do it I think paying off your home as quickly as possible is the best way to go. Here is a recent article to help prove that it isn’t just me thinking this way. A lot of Americans are starting to see the benefits of being free from all debt and especially the home mortgage.
I think this guy, Dave Ramsey, has a lot going on in his debt free classes. A few years ago my wife and I went to his Financial Freedom class in Colorado Springs. We were basically on his program without knowing it. His word is true and if you stick with it you too will live like no one else so you can then live like no one else. Think about it. If you live frugally for several years to payoff all your debt it will allow you to live the rest of your life debt free. Plus along the way you will learn tricks (personal self control) that you apply once you become debt free that will save you money after you become debt free. In our society putting off our instant gratification so we could possibly live a better and more financially rewarding life in the future is a TOUGH sell.
I’m sure there are people out there that have different circumstances, needs and investment goals so this may not apply. But I believe for the average middle class person/family this is a viable option and should be explored. Just a few years ago talking about this to friends and clients was a dead end and they all thought I was a crazy person but now they seem to be coming out of the wood work to share their new goals of paying off their house.
Steven Beam is a CRS Realtor in Parker, Colorado. See client testimonials.
Steven Beam Social Media Connect.
Newlin Meadows Homes for Sale in Parker. Colorado
Meridian Village in Parker Colorado
Townhome for Sale in Parker Colorado
Lone Tree Colorado Homes for Sale
Home for Sale-4056 South Atchison Way, Aurora, CO $220,000
Aug 9th 10
4056 South Atchison Way, Aurora, CO 80014
Home for Sale
$220,000
4056 South Atchison Way, Aurora CO
Check out the Video below!
- 3 Bedrooms, 3 bathrooms.
- Unfinished basement
- 2117 Sqft.
- Cherry Creek Schools
- Formal dining room.
- Here is the MLS Sheet
- Need to Contact Steven Beam? Click Here!
Click here to see 4054 South Atchison Way that is next door. This home is also for sale.
Aurora Colorado Home for Sale – 4054 South Atchison Way 80014
Jul 27th 10
Aurora Colorado Home for Sale
Everything in and out of the home has been replaced with new materials. An American Home Shield Home Warranty has already been purchased for the new buyer.
See the Virtual Tour of 4054 South Atchison Way, Aurora Colorado
Asking Price $265,000
3 Bedrooms and 3 bathrooms
- Base (wide) Moldings, trim
- New carpet throughout house
- Solid doors throughout house
- New hardware throughout the house
- New windows through out
- New Furnace & AC
- New vents and registers throughout house
- Tankless hotwater heating system for entire house
- Interior paint – three tones (trim, walls, ceiling) throughout house
- Entry – custom front door, 18” tile flooring, new lighting (flush mount & spot lighting)
- Kitchen – 18” tile flooring, cabinets, coffered ceiling, recessed lighting, granite tile counter tops, new stainless steel appliances, stainless steel sink & faucet, new disposal, custom window coverings
- Front Porch – off of kitchen, manmade weather proof materials, lighting
- Dining Room – 18” tile flooring, new light fixture
- Family Room – new carpet, lighting, gas fireplace w/ remote controls
- Downstairs Bathroom – tile flooring, new shower, new vanity, new toilet, new sink/
- faucet, lighting, fan, added door to patio, oversized mirror
- Downstairs Bedroom – new carpet, lighting, doors, window, custom window treatments
- Wet Bar – converted downstairs laundry room to wet bar w/ dishwasher and beverage cooler
- Basement – finished basement w/ recessed lighting,windows, custom cabinetry for
- CD’s, videos and albums. Laundry room and utility room.
- Upstairs Master Bedroom – carpet, doors, custom (remote control) window coverings, Biometric in-wall safe, ceiling fan, lighting
- Master Bathroom – tile flooring, new doors, new vanity, new sink, new faucet, new toilet, new shower, new lighting, custom closet organizer, oversized mirror
- Master Bedroom Exterior Deck – rebuilt using weather proof, zero maintenance man made materials
- Guest Bedroom – new carpet, new doors, ceiling fan, lighting, window, custom window coverings, in-wall safe
- Guest Bathroom – new tile, new tub, new shower doors, new vanity, new sink, new faucet, new toilet, new window, recessed lights, oversized mirror
- Upstairs walk-In Closet – new door, new carpet, custom closet organizer, new light
- Garage – new garage door opener w/ exterior touch pad, lighting, paint, painted flooring
- Exterior paint – two tones
- New Roof – asphalt
- New gutters and down spouts
- New mail box
- New sprinkler system + water lines run to all pots on patio’s
- New landscaping front and back yard
- Rod Iron – fence & gate to backyard
- New cable for TV
- New Phone lines
- New landscape lighting
- Updated electrical service
- Updated switches and outlets throughout the house
NEXT DOOR! For Sale-4054 South Atchison Way, $220,000.
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- Wet bar
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- Patio
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- Master
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- Master Bedroom
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- Master bath
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- Breakfast Nook
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- Kitchen
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- Family Room
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- Family Room
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- Patio
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- Backyard
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- Dining Room
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- Formal Dining
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- Deck off Master bedroom
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- Guest Bedroom 1
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- Guest Bedroom 2
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- Guest bath 2
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- Guest bath
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- Hot Tub
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- Aurora Colorado Home for Sale
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- Aurora Colorado Home for Sale
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- Aurora Colorado Home for Sale
Douglas County Colorado Young and Wealthy
Lone Tree Colorado Homes For Sale
Pradera Golf Club Home Sales Report
Housing Market News for Denver and Colorado
Jun 29th 10
Here are some quick links to local and National news articles pertaing to the housing & real estate market. I thought you might enjoy.
U.S. home prices rise 0.8% in April: S&P – Prices have moved up 3.8% in the past year, marking the third consecutive year-over-year gain. Prices rose in 18 of the 20 metropolitan areas tracked by Case-Shiller in April compared with March. Over the past year, prices rose 4.4% in Denver.
Additional articles that you may find of interest:
- Peloton offers stimulus discounts to next 12 buyers
- Utter, Bowes form firm
- Fannie Mae gets tough with ’strategic defaults’
- Home prices rise 0.8 pct. in April from March (Denver up 4.4% over the past year)
- Furniture Row buys Watkins land for $6.5M
- Banks: We’re Hiring
- Factory-Built Homes Gaining Acceptance
- Renovation Projects For Older Housing Must Follow EPA Rules
- What Wall Street reform means for your mortgage
Howmeowners ANGRY Over Stonegate Pool Registration
Jun 9th 10
Stonegate is where I live. I love it here and generally have never had much of an issue with the HOA (Homeowners Association) until now.
“If it’s the last thing we do we will protect this POOL from NON-RESIDENTS”
OK what about the people that live here?
Apparently several homeowners were angry last year when on occasion some non residents invaded our pool. Evidently these homeowners really made a huge issues out of it and have NOW caused a major problem with pool registrations and getting pool passes.
Please understand that I am not alone in this beef. I’ve talked to dozens of homeowners through email and by phone and know that there are hundreds if not more that are just as angry.
Please feel free to leave a comment below. Click the comment link.
It seems the Stonegate HOA took it upon themselves to require that ALL Stonegate homeowners re-register this year at the same time. Ok now there are over 3500 homes in here and at least 2 people in every home plus the multiple kid homes so we are talking at least 7000 plus people. I would even guess 8000 plus people.
To register for the pool you need to do the following.
- Register at the HOA website
- Bring a copy of the receipt
- Bring a copy of our water bill
- Bring a Photo ID
First of all who keeps their water bill handy just for this occasion? We sure don’t. Yes I now know that you can have a new one emailed to you NOW but that wasn’t offered when this fiasco first started. I use my drivers license everywhere I go and can even bring them a Passport with my info but NOOOOOO not the Stonegate Pool. An official government ID wouldn’t hold up to the rigors of the Stonegate Pool ID test. I was a little disappointed they didn’t collect a hair sample for later DNA testing. Maybe next year?
They gave us time slots each week from around 6-8:00 to come get into the cattle line with our 7000+ neighbors and be prodded along until they had all the stars aligned and their computers were working perfectly. Oh and the line to get registered was wrapped around the building 5 of the 6 times we went up there to get our passes. Try that with a 2 year old when it’s bed time. This all to get our photos and check our documentation. “PAPERS PLEASE” reminds me of the old WWII movies.
In the name of all mankind we are going to protect this POOL from outsiders! Out you damn non-residents! OUT!
Wouldn’t it have been MUCH easier to walkover to the offender and ask “do you have a pool pass?” if they don’t have a pool pass tell them to leave. If that doesn’t work for the life guards then ask one of Moms sitting there and I guarantee you they will get them out. There are moms up there with 3-5 kids at a time. Those women are not afraid of anything. Worked well when I was a kid so I guess it would still work today. How hard is that?
Personally I believe the board should be punished for the ridiculous actions and overbearing requests. We all need to show up at the next HOA meeting and voice our opinions. If you want to attend here are the meeting times and locations.
Stonegate Village HOA MEETING TIME LOCATION:
- 3rd Wednesday of the month, 5:30 PM at the District Offices: 2 Inverness Drive East, Suite 200, Englewood, CO 80112.
- The annual budget meeting is held in either October or November at the Stonegate Village Clubhouse.
Come on Stonegate HOA board! You should know better than to do this!@ Shame on you!
Bradbury Ranch and Auburn Hills Homes Sold Report
Jun 3rd 10
This real estate market report for Bradbury Ranch is for January 1, 2010 to June 1, 2010. This repost shows all the homes sold and closed during that period.
Bradbury Ranch is another “favorite” Parker Colorado neighborhood. A few years ago Bradbury Ranch grew in size with the addition of Auburn Hills across Mainstreet. The new sections added several hundred homes to the neighborhood.
See all homes for sale in Bradbury Ranch HERE.
Being located in the heart of Parker Colorado at the intersection of Jordan Road and Mainstreet make this an obvious chioce for home buyers in the Parker CO area. The new Chambers Road extension also allows for super quick access to I-25. Bradbury Ranch has a beautiful pool area and extensive open spaces that home buyers also seek.
Top 10 List for Parker Colorado 2010. I’ve already blown a few!
- Total Homes Sold in Bradbury Ranch Jan 1 to Jun 1, 2010 = 22
- Average Original Listing Price $276,284
- Average List Price at time of sale $271,334
- Average Sold Price $256,382
- Average NET sold price (after seller concessions) $262.298
- Highest Sold price so far $372,000
- Lowest Sold Price so far $185,000
- Sold Homes Volume $5,838,407
- Average Price SOLD per SQFT $136
Stonegate Neighborhood Homes Sold Report
21923 Swale Dr Parker Colorado Home for Sale
May 6th 10
21923 Swale Drive
Parker Colorado 80138
HOME FOR SALE
Swale Dr in Parker Colorado For Sale
Located in the Villages of Parker and right next to the Black Bear Golf Course Swale Drive is a nice place to call home. The house site on a great interior lot and has a huge cul-de-sac in the front for the kids to play in. Built in 1999 this home has been well maintained and cared for.
New roof, granite kitchen counters and exterior paint.
Details for 21923 Swale Drive.
- MLS # 882027 Download the MLS Sheet Here
- 3 Bedrooms on the upper level
- Main floor office or bedroom
- Basement bedroom or office
- Fully finished Walkout basement
- Total sqft 3389
- Finished sqft 3389
- Bathrooms 4 [2 full baths upstairs, powder room on main level, 3/4 bath in the basement.
- Wet bar and media room in the basement with BEER on TAP!
- Formal living and dining room
- Big views from the deck.
Other Homes for sale in Parker Colorado
Home for sale in Elizabeth Colorado
Testing out Viddler for future homes for sale videos
Apr 27th 10
Just testing out the Viddler video player and service. I like it. What do you think? Leave a comment.
Please enable Javascript and Flash to view this Viddler video.42 Acre Mountain Home For Sale in Westcliffe Colorado
Apr 26th 10
This is an incredible mountain home for sale in Westcliffe Colorado. Located on 42 acres perched high on a hill with massive direct views of the Sangre de Cristo Mountains. The Sangres are often referred to as the Alps of Colorado.
Built in 2008 this home is fully appointed with a granite kitchen, open two story family room, large loft that is currently a game room, 3 car attached garage and each and every bedroom has it’s own attached FULL bathroom. The MAIN FLOOR master suite has direct access to the large TREX deck and views of the Sangre De Cristo mountains. The 42 acre estate also has a live water seasonal stream on the property.
Bonus: The entire space above the 3 car garage is open and could be easily finished for an additional huge addition to the house.
- 3 Bedrooms
- 4 bathrooms
- Sqft 3267 + an additional space above the garage that is over 1000 sqft.
- 42 acres of prime Westcliffe Colorado land
- $42 a month HOA fees
- Huge mountain views
For more info or a showing of this property please call Elaine Tubbs at 719-371-4350
Homes for Sale in Antelope Heights a Parker Colorado Neighborhood
Apr 22nd 10
16670 East Prairie Goat Ave. Parker CO 80134
Another great home for sale in Parker Colorado. Antelope heights is a newer home community located just off Jordan Road in Parker, CO. The neighborhood location provides excellent access to 1-25, Parker Road, Lincoln Ave and Castle Rock via Hwy 86.
Asking Price $264,490.
MLS # 867362
- Beds 3
- Baths 3
- Finished basement
- 2164 Finished square feet.
- YES-3 car garage
- Large corner lot. (interior neighborhood lot!)
- Fully fenced and ready to go.
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