Community

Good Neighbor Next Program /  by Kimberly Caldwell

Here is an excerpt from HUD’s website regarding the Good Neighbor Next Door Program. If this is of interest to you, contact me and we can chat about this program and other programs that might be an option to help you get in a home.

ABOUT GOOD NEIGHBOR NEXT DOOR

Law enforcement officers, teachers (pre-Kindergarten through 12th grade) firefighters and emergency medical technicians can contribute to community revitalization while becoming homeowners through HUD's Good Neighbor Next Door Sales Program. HUD offers a substantial incentive in the form of a discount of 50% from the list price of the home. In return, an eligible buyer must commit to live in the property for 36 months as his/her principal residence.

How the Program Works

Eligible Single Family homes located in revitalization areas are listed exclusively for sale through the Good Neighbor Next Door Sales program. Properties are available for purchase through the program for seven days.

How to Participate in Good Neighbor Next Door

Check the listings for your state. Follow the instructions to submit your interest in purchasing a specific home. If more than one person submits an offer on a single home a selection will be made by random lottery. You must meet the requirements for a law enforcement officer, teacher, firefighter or emergency medical technician and comply with HUD's regulations for the program.

HUD requires that you sign a second mortgage and note for the discount amount. No interest or payments are required on this "silent second" provided that you fulfill the three-year occupancy requirement.

The number of properties available is limited and the list of available properties changes weekly.



Why your kids don't want your stuff and what you can do /  by Kimberly Caldwell

I read this great article (see the link below) about the generational differences if passing down stuff. This is something I am seeing more and more in my line of work. I encourage you to read the article and share it with others.

What I can add to this is…

  • Ask, don’t assume your family doesn’t want any of the family treasures. Take pictures and send them asking if they want them. Box it up and ship it, or pass it on to someone else if they don’t want it.

  • Be open to them saying no. It’s okay. You might find someone else who is ecstatic to have your stuff. And that can be a charity that sells it to make money.

  • Remember that they, like you, do things differently and value different things. You might have felt burdened with your parents’ belongings. Don’t do the same to your family.

  • Give grace and receive grace. Be gentle with each other when negotiating re-homing items.

  • Don’t “hold on” to something for a member of the family, pass it on now, and free yourself from dealing with one more thing. Don’t pay to store it monthly, get it to the new owner as quickly as possible.

  • The market could be quite “flooded”, that that can lower the value of your item. Be realistic. Some antiques and artwork, jewelry might be worth a little bit. Others might have very little value. Know the difference and don’t spend too much time, money, and effort on the ones that have little monetary value.

    Click here to read the article from PsychologyToday called Don’t Blame Your Kids No Wanting Your Treasures.

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Annual Shred Event in Loveland /  by Kimberly Caldwell

The City of Loveland is having a shred event. This is the perfect opportunity for people to clear out some old paperwork! Here are the details from the city’s website.

The City’s Public Works Department, Solid Waste Division offers residents the opportunity to completely shred sensitive, confidential documents, 10 a.m. to 2 p.m., Saturday, September 22 at the Public Works Administration Building, 2525 W. 1st Street.

Residents with a current yard debris permit can shred documents, free of charge, and are allowed up to three bags/boxes per household. The cost to residents without a yard debris permit and to county residents wishing to participate, is $5.

Anyone bringing additional bags/boxes over the three allowed will be charged $5 each.

 All shredded documents will be recycled. As a reminder, those who have shredders at home may bring shredded paper to the Recycling Center any time of year.