http://cbdistinctivemontrose.com/blog/sort_entrydatetime-desc/ Is your dog lonely and looking to make friends? Consider taking them to the Montrose Dog Park! The park is located along the Uncompahgre River Recreation Trail and is 4.25 acres. The park offers a mix of wild-land and turf areas. There is also a conveniently located water fountain that caters to both pets and their people. The area has several entryways in the fenced perimeter where you can unleash your pup so they can run around to their heart's desire! The park also offers a small dog and large dog area giving your dog the opportunity to mix it up with dogs of their size. The park also features an area with benches, picnic tables and trash cans for the humans to relax and take in the nice outdoor area. Please note that dogs must remain on-leash unless they are in designated off-leash areas. Dogs must be monitored by their owners. The park is open from sunrise to sunset daily. For more information visit, https://www.cityofmontrose.org/495/Dog-Park  http://cbdistinctivemontrose.com/blog/10373/montrose-dog-park/ Mon, 02 May 2022 03:55:55 -0700 It’s the time of year that vegetable gardeners love; the smell of fresh dirt, the feeling of tearing open a seed pack, and breaking out the trowel fills many of us with joy. Veggie gardening is not a naturally born skill, it takes practice and a lot of trial and error. If you’re a first time gardener or just looking to get back into the soil, we have the top tips for making your garden a success! Tip #1) Most vegetables need 6 hours of sunlight daily. When setting up your garden, make sure that it is getting plenty of light exposure to keep your plants happy. Tip #2) The easiest plants for beginners to grow are tomatoes, peppers, beans, cucumbers, zucchini, peas, radishes, spinach, and herbs. If you are nervous about starting your veggie garden, start with these basic vegetables to get your feet wet. Tip #3) Soil will make or break your garden. Quality soil for a veggie garden is a must. Find a high grade topsoil or potting soil in containers rather than local soil. The golden rule: add 1 to 2 inches of organic material to your garden area and mix well to a depth of 6 inches. Tip #4) Read the directions! Seed packets are a wealth of information and will give you the details you need to be sure you are planting your vegetables correctly. Tip #5) Use mulch! Mulching your plants helps to keep the weeds at bay and the soil moisture consistent. If you’re looking for a mulch idea - use grass clippings (as long as they don’t contain weed killer). Tip #6) Plant at the appropriate time. Plants can be sensitive and need to be planted at the right time of year. If you’re not sure when to plant in Montrose, use this guide: https://garden.org/apps/calendar/?q=Montrose+%232%2C+CONow that you’ve got the basics, it's time to dig in (pun intended!). Get out there and have fun. We can’t wait to see how your garden grows.   http://cbdistinctivemontrose.com/blog/10352/6-tips-to-plant-the-perfect-vegetable-garden/ Thu, 21 Apr 2022 12:56:05 -0700 Every spring, Montrose sponsors and coordinates a week of activities in honor of Earth Day. The goal is to raise awareness about how members of the community can preserve the environment for themselves and future generations. This year’s theme is “Invest In Our Planet”. The events run from April 21st - 29th. The activities start off on Thursday the 21st with the launch of the K-12 Coloring Contest and Art Contest. Submissions accepted through April 29th. On April  22nd and 23rd, the city will have its annual Spring Cleanup and provide disposal and recycling services at a chosen collection point for residents to drop-off their items. April 24th is Ride Your Bike Day, where the city encourages residents to ride their bikes for their commute to reduce emissions. April 25th is Community Garden Day at the Niagara Community Garden. The community garden has 46 plots for those who can’t garden where they live to grow fruits, vegetables, herbs, and flowers.On April 26th, the City of Montrose will visit Montrose’s public schools to discuss the importance of recycling with 3rd-grade students. April 27th is Adopt-a-Street day. Sign up with Public Works to clean up! Public Works will supply all the supplies needed and you will get your name on a sign with recognition. The best part? It’s free to join! On April 28th, the city sponsors Adopt-a-Trail day. Sign up on the Adopt-a-Trail programs website. Again, there is no cost to participate, all supplies are provided, and you will be recognized for your efforts. The week ends on April 29th with National Arbor Day. The City of Montrose Parks Department will plant a tree as a way to celebrate. The Parks Department has helped the city attain a recognition as a Tree City USA from the Arbor Day Foundation. They currently maintain a diverse mix of trees and plant species. For more information on Earth Week, visit https://www.cityofmontrose.org/623/Earth-Week http://cbdistinctivemontrose.com/blog/10335/montrose-earth-week/ Tue, 22 Mar 2022 12:58:37 -0700 Knowing the equity in your home is a good starting point. If your house is worth less than it was when you began your mortgage, then it might not make sense to refinance. During the middle of 2021, consumer confidence had risen to its highest level since COVID-19 began. According to CoreLogic, many homeowners have seen large increases in their equity. Homeowners with at least 20% equity will have an easier time qualifying for a new loan.Over recent years, lenders have tightened their standards for loan approvals. Even if you have very good credit, you may not always qualify for the lowest interest rate. Lenders are looking for a credit score of 760 or higher to qualify for the lowest interest rate. If credit scores aren’t as high, it is still possible for borrowers to obtain a loan, but they may be paying higher interest rates or fees.Borrowers who have a current loan may assume it will be easy to qualify for a new loan, but debt-to-income plays a major role. Having a high income, a long and stable job history, or substantial savings may help you qualify for a loan, but lenders usually want to keep your payments under 28% of your gross monthly income. Overall, your DTI ratio should be 36% or less, although some lenders may go up to 43% with additional positive factors.Refinancing a home usually costs 3%-6% of the total loan amount. If you have enough equity in your home, you can roll the costs into your new loan. If you don’t have the equity, there is another option. Some lenders offer a “no cost” refinance which means you pay a slightly higher interest rate to cover the costs.Refinancing points, equal to 1% of the loan, are often used to bring down interest rates and can be incorporated into the closing costs or wrapped into the loan.Know your breakeven point, the point at which costs of refinancing have been covered by your monthly savings. For example, if your refinance costs you $2000 and you are saving $100 per month, it will take 2 years to break even. If you plan to move within those 2 years, a refinance might not make sense.Local banks like Alpine Bank, Bank of Colorado, Wells Fargo, Vectra Bank, San Juan Credit Union, NuVista Credit Union as well as private lenders like Academy Mortgage, Guild Mortgage, Cornerstone Home Lending, and Major Mortgage can help you get the perfect refinancing loan. Shop around and negotiate the fees, as some of the fees can be paid by the lender or reduced.   http://cbdistinctivemontrose.com/blog/10325/what-to-know-about-refinancing-your-home/ Wed, 16 Mar 2022 03:12:14 -0700 Montrose is a beautiful place to visit. It’s full of wonderful people, great restaurants, and plenty of things to do from our adorable downtown shops to the many hiking trails nearby. One of the best things about Montrose is the proximity to The Ouray Hot Springs Pool!The concept of having a large, outdoor pool was conceived by several local leaders of Ouray in 1920. Over the next 6 years, citizens purchased memberships, and businesses contributed funds and materials. The pool opened one July 4th, 1927 with one of the city's largest crowds in history attending the opening. The pool was revamped in 2017 and became the Ouray Hot Springs Pool and Fitness Center Facility. Ouray Hot Springs gets its water from the nearby Box Canyon. The unique mineral makeup of the water leaves means this hot spring is free from the sulfer smell that many other hot springs are known for. Making it a warm and relaxing experience without the stench! The pool is open Monday - Friday from 12pm - 7pm and Saturday-Sunday from 1pm - 8pm. The facility has 8 lap lanes, two waterslides, a climbing wall, inflatable obstacle course, and an adults-only option. For more information, visit their website https://ourayhotsprings.com/  http://cbdistinctivemontrose.com/blog/10315/things-to-do:-visit-the-ouray-hot-springs-pool/ Fri, 04 Mar 2022 03:09:32 -0700