Monthly Archives: July 2012

Put your car keys beside your bed at night.

Put your car keys beside your bed at night.

Tell your spouse, your children, your neighbors, your parents, your Dr.’s office, the check-out girl at the market, everyone you run across. Put your car keys beside your bed at night. 
If you hear a noise outside your home or someone trying to get in your house, just press the panic button for your car. The alarm will be set off, and the horn will continue to sound until either you turn it off or the car battery dies. 
This tip came from a neighborhood watch coordinator. Next time you come home for the night and you start to put your keys away, think of this: It’s a security alarm system that you probably already have and requires no installation. Test it. It will go off from most everywhere inside your house and will keep honking until your battery runs down or until you reset it with the button on the keyfob chain. It works if you park in your driveway or garage.

If your car alarm goes off when someone is trying to break into your house, odds are the burglar/rapist won’t stick around. After a few seconds, all the neighbors will be looking out their windows to see who is out there and sure enough the criminal won’t want that. And remember to carry your keys in your hand while walking to your car in a parking lot. The alarm can work the same way there. This is something that should really be shared with everyone. Maybe it could save a life or prevent a sexual abuse crime.
P.S. I am sending this to everyone I know because I think it is fantastic. This would also be useful for any emergency, such as a heart attack, where you can’t reach a phone. My Mom has suggested to my Dad that he carry his car keys with him in case he falls outside and she doesn’t hear him. He can activate the car alarm and then she’ll know there’s a problem.

Please pass this on even IF you’ve read it before. It’s a reminder.

Put your car keys beside your bed at night.


Denver walk score

Denver is the 16th most walkablelarge city in the U.S. with a Walk Score of 60.
Denver’s most walkable neighborhoods are Central Business DistrictNorth Capitol Hilland Capitol Hill.


Walk Score: 60
Transit Score: 47
Average Rent: $1,157
Population: 596,983
Walk Score Distribution0100
Walkability Map
Map data ©2012 Google – Terms of Use


Denver Neighborhoods

Denver is the 16th most walkable city in the U.S. with a Walk Score of 60. In Denver, 46% of residents have a Walk Score of 70 or above.


Walk Score


1 Central Business District 96 3,631
2 North Capitol Hill 91 5,662
3 Capitol Hill 90 14,662
4 Civic Center 90 1,586
5 Baker 89 4,887
6 Lincoln Park 87 6,089
7 Union Station 87 4,175
8 Cherry Creek 86 5,575
9 Platt Park 85 5,387
10 Five Points 85 12,855
11 Cheesman Park 84 7,960
12 City Park 82 3,080
13 Congress Park 80 10,273
14 Speer 80 10,903
15 City Park West 80 4,794

View all neighborhoods

Denver Apartments and RentalsView on Map

Average Denver Rents: 1 bedroom: $984, 2 bedroom: $1294, 3 bedroom: $1800, 4 bedroom: $2035
New ways to find a walkable place to live:

It is time to purchase a home – Mortgage Rates Continue to drop

Give me a call 303.594.7696

Mortgage Rates Continue Record-Breaking Streak

Record-reaching rates have practically become a weekly mainstay the last few weeks for 30-year and 15-year fixed-rate mortgages. For the past 16 weeks, the 30-year fixed-rate mortgage alone has averaged below 4 percent, increasing affordability by cheapening the costs of borrowing. 
In its weekly mortgage market survey, Freddie Mac reports that average fixed-rate mortgages continue to reach all-time record lows from easing bond yields and a dismal June employment report. 
Here’s a closer look at rates for the week ending July 12: 
  • 30-year fixed-rate mortgages: averaged a new low of 3.56 percent, with an average 0.7 point, down from last week’s previous record of 3.62 percent. A year ago at this time, 30-year rates averaged 4.51 percent. 
  • 15-year fixed-rate mortgages: averaged a new record of 2.86 percent, with an average 0.7 point, dropping from last week’s previous record of 2.89 percent. The 15-year fixed-rate mortgage has been below 3 percent for the last seven weeks. Last year at this time, 15-year rates averaged 3.65 percent. 
  • 5-year adjustable-rate mortgages: averaged 2.74 percent, with an average 0.6 point, dropping from last week’s 2.79 percent average. Last year at this time, 5-year ARMs averaged 3.29 percent. 
  • 1-year ARMs: averaged 2.69 percent, with an average 0.4 point, up slightly from last year’s 2.68 percent average. A year ago at this time, 1-year ARMs averaged 2.95 percent. 
Source: Freddie Mac

Great news: more home owners gain Equity!

More Home Owners Gain Equity

Rebounding home prices are lowering the number of home owners who are considered “underwater” on their mortgage, according to a new report by CoreLogic. 
More than 700,000 home owners are no longer considered “underwater,” owing more on their mortgage than their home is currently worth. 
At the end of March, 23.7 percent — or 11.4 million — of home owners with mortgages were considered underwater on their mortgage, according to CoreLogic’s latest report. Three months prior, that percentage was 25.2 percent, or 12.1 million home owners. 
Mark Fleming, CoreLogic’s chief economist, attributes the decrease to recent gains in home prices, a drop in for-sale inventory, and fewer distressed sales, which are all helping more home owners see the values of their houses increase.
About 1.9 million home owners were 5 percent underwater during the first quarter. If prices continue to inch upward, these owners are expected to climb out of underwater territory, according to CoreLogic. 
“While the overall stagnating economic recovery will likely slow [the] housing market recovery in the second half of this year, reducing the number of underwater households is an important step toward reducing future mortgage default risk,” Fleming says. 
Source: “700,000 Home Owners no Longer Underwater on Mortgages,” CNNMoney (July 12, 2012)