Coldwell Banker Tomlinson Associates Quad Cities Blog

Sweet-Tart: Refreshing & Lemony Recipes for Summer

Summer is here, and it's time to celebrate all things lemony! These refreshing treats are sure to please at your next get-together.

Frozen Raspberry Yogurt Lemonade Pops

• 1 can (12 oz.) frozen lemonade concentrate
• 1 c. water
• 1 c. fresh raspberries
• 1/2 c. plain yogurt
• 10 ice pop molds

In a saucepan, heat lemonade concentrate & water over medium heat just until the concentrate is thawed. Remove from heat & cool. In a blender, place 3/4 c. of the cooled mixture, 1/2 c. of the raspberries, & 1/4 c. of the yogurt. Blend on medium until smooth. If you don't like the seeds, press this mixture through a small strainer to remove them. Divide the mixture among ice pop molds & freeze slightly.

Distribute the remaining raspberries in molds. Combine the remaining lemonade mixture & yogurt and spoon evenly into molds. Return to freezer until firm, about 4 hours.

Perfect Lemonade

• 1/3 c. sugar or 2/3 c. agave
• 1 c. freshly squeezed lemon juice
• 7 c. water

Mix well. Serve over ice with a lemon wedge garnish.

Lemon-Lime Spritzer

• 1 liter lemon-lime soda
• 4 limes, cut into wedges
• frozen cherries
• fresh mint leaves

Mix ice, soda & sliced limes. Add cherries & garnish with mint leaves. Serve immediately.

Adult Lemonade

• 1 shot El Patron Tequila
• 1/4 shot Grand Marnier
• 4 oz. beer
• 4 oz. lemonade
• ice
• strawberries for garnish

Mix together and serve immediately

Strawberry Lemonade Icebox Pie

• 1 9" graham cracker pie crust
• 2/3 c. frozen lemonade concentrate
• 1 can (14 oz.) sweetened condensed milk
• 1 c. heavy whipping cream
• 3 Tbsp. powdered sugar
• 1 c. strawberries
• 3 Tbsp. honey
• 1 Tbsp. water

 In a blender or food processor, blend strawberries, honey, & water until pureed. Set aside. In a separate bowl, mix lemonade concentrate with sweetened condensed milk until combined. Set that aside, too.

With a mixer, whip heavy cream until soft peaks form. Add powdered sugar & whip until it stiffens. Gently fold into lemonade mixture. (The pureed mixture is still kept separate.)

Pour half the strawberry puree on the bottom of the crust. Top with lemonade filling, smoothing evenly. Spoon on the remaining puree in evenly spaced dollops and swirl with a toothpick or knife. Freeze at least 6 hours before serving. Store leftovers in the freezer.

What's your favorite summertime recipe? Tell us in the comments! 

How to Choose a Contractor for Your Remodel Projects

Delta Media Group

Homeownership is an exciting time — one filled with many new possibilities and experiences. One possibility that has the potential to elevate your home to the next level is a remodel. Remodeling can transform your space into something more functional by better reflecting your lifestyle and adding value to your home. However, your dreams of the perfect renovation project can turn into a nightmare if you don't do your homework. To have a successful remodel, you need the right contractor.

It's understandable to want the best person for the job but finding that person often involves a number of factors like availability, cost, and areas of expertise. The best way to choose a remodeling contractor is to do your homework and take steps to ensure that you find an ideal match for your project.

Ask around or research

If you have a friend or neighbor who has a remodel you like in a room/area you're looking to work on, too, it can be helpful to ask them who they used. You can also ask around your network of people — i.e., friends, family, business partners, or your real estate agent—to get recommendations for remodeling contractors. Once you have a list created, make your own as well by researching resources like Google, Angie, the local Better Business Bureau, and other online places that give you the names of local companies. Weed out any contractors with consistently poor reviews or contractors that don't specialize or have experience in the space you want to remodel.

Look deeper into credentials and projects

Most contractors have a website. Take the time to look at what credentials they may have and if they are current. See if they have pictures of their work as well. You can begin to get a feel for which contractors are more your taste or that have the knowledge necessary for your remodeling project.

Interview possible contractors

The next step once you have fine-tuned your list to a few favorites is to call and schedule a time to meet and talk about the project. Consider both the phone and in-person meetings an interview. It's your chance to ask about experience, find out about their knowledge and skills, and see if you mesh. Like any job interview, you'll be able to get an overall sense of who you're getting. There are also some things you'll want to ask them or have them do, including:

• Itemize your bid
• Ask how long they have been in business
• Determine who their main suppliers are and who will be in charge of the site/project
• Find out if the pricing is an estimate or a fixed price.

Check references

Even if you've done all your online research and read all the reviews, nothing is as effective as talking with someone who has worked with your prospective contractor. You may find out things you didn't think to ask, and it can give extra assurance that you're making the right choice.

Put it in writing

The last thing you'll want to do when you've made your choice is to put it in writing. This is a great way to keep all parties on the same page and safeguarded. 

Homeownership means making the decisions; it's your house, and you get to choose who remodels it. For the best remodeling experience, by taking your time and the correct steps, you're more likely to find the right person for your project. Not only will it save you time and money, but it will also get you the home of your dreams.

Spam 101

From Our Friends at Integrity Computer Consulting and Repair

Technology scams are running rampant right now, whether they come by email, phone call, and now text messaging. We have had several customers reach out about texts that look to be from their bank asking to "verify information." Be vigilant when dealing with any communications via phone call, email, or text that regard any exchange of money or "verifying" any account information with a link or number to call.   

Our recommendations are as follows:

You can use your cell phone carriers' built-in number blocking on your phone to stop unwanted calls or texts from specific numbers; you can also block offending email addresses in your email account. But with any sort of fraud, scammers often use hundreds of thousands of phone numbers and emails and move very quickly onto the next.  This makes permanent blocking hard.  

To really have an impact, we recommend reporting the offending communication to the FTC.  This can be done online at: https://www.ftccomplaintassistant.gov/

A few rules of thumb for spam calls, texts, and emails:

1. Do not engage spammers.  When you answer or respond, you are showing the scammer, spammer, or robo-system that your phone number or email is "live". It is then put on a live numbers list that is sold over and over and the calls/texts/emails will continue infinitely.
2. Do not answer calls from numbers you do not recognize. This one is hard for agents, but if it is important or a legitimate call, they will leave a voicemail or text you. 
3. Do not answer texts from numbers you do not recognize. 
4. Get into the habit of regularly entering and labeling known clients, colleagues, friends, family, etc. as contacts in your phone and email.
5. Do not answer unsolicited or out-of-the-ordinary texts from numbers you do recognize.  The number could be spoofed to fool you. Instead, call the number you have in your contacts (not from the text or email) for the person texting you and verify via phone call that they sent the text.
6. Do not click on links in texts or emails that you are not expecting from anyone that you do or do not recognize unless you have verified with the actual sender via phone call or in person.
7. Do not open emails, download any attachments, or click on links in emails from senders you do not recognize.
8. Do not download any attachments or click on links in unsolicited or suspicious emails or texts from senders you do recognize. Their email may have been hacked or their number spoofed.
9. TRUST YOUR INTUITION.  Slightest question of authenticity?  Feeling of distrust? Major red flag? Do not ignore these feelings.
10. COMMUNICATION IS KEY. If a text or email seems weird, out of character, just a slight bit off? We recommend that you call the person/company/bank to verify the contents of an email or text, or ask a trusted professional.

If you have any questions about a suspicious email, call, or text, feel free to contact our office via phone 208.288.4345 or email info@integrityidaho.com.

#CBTDenimDay

April is Sexual Assault Awareness Month. It's a difficult topic, no question.

Removing the stigma surrounding sexual assault and abuse, bringing the conversation to the forefront and out of the shadows, educating, speaking out, ending victim-blaming, and supporting survivors are the best defenses. So much has been done, with so much more to do.

It's worthy of our time. Of everyone's time. Here at CBT, we decided to act on one of our mottos – BE BOLD – and do what we can to help. For our April #DoersOfGood campaign, we're taking the message to all our offices and asking our Realtors®, staff, and managers to come together to support organizations in our areas who work hard to assist women in our local communities. We've asked them to purchase a #CBTDenimDay button, donate gently used professional clothing, and wear their jeans on April 27^th, the 24^th annual National Denim Day. 100% of the funds raised in each region, along with additional funds from CBT, will be donated to the corresponding organizations listed below. Clothing donations will stay local, as well. 

Denim Day grew out of an Italian Supreme Court decision overturning a rape conviction of an 18-year-old girl because she was wearing tight jeans. Since then, wearing jeans on Denim Day is a visible means of protest against victim-blaming and sexual violence.

The organizations we are coming together to support are:

Lewiston/Moscow/Pullman:

Lewiston YWCA, ywcaidaho.org

Alternatives to Violence of the Palouse, www.atvp.org

Boise area:

Women's and Children's Alliance, www.wcaboise.com

Idaho Falls area:

The Domestic Violence & Sexual Assault Center, www.dvsacac.org

Spokane area:

YWCA – Our Sister's Closet, www.ywcaspokane.org

Tri-Cities area:

Domestic Violence Services of Benton & Franklin Counties, www.dvsbf.org

To help, the ask is simple: wear your jeans on April 27^th and speak out. To learn about more ways you can help – or if you need assistance, visit one of the sites above.

DIY Products for Spring Cleaning

Sometimes it seems there is no end to house cleaning, and while there is no clear-cut answer for how to keep your home perfectly clean at all times, it might be surprising just how much you can do with a little baking soda and white vinegar.

Spot Cleaner for Carpet

• After cleaning up any excess spill, sprinkle the carpet with baking soda or cornstarch. Let stand for 10 minutes and then vacuum.
• Mix one tablespoon clear dishwashing liquid and one tablespoon white vinegar with two cups of warm water.
• Using a white cloth, blot the stain with the vinegar solution.
• Sponge with cold water and blot dry.

Oven Cleaner

• Make a paste of baking soda and water.
• Coat the oven (or just the dirty parts) with the paste and let stand overnight. Be sure to avoid the heating elements and bare metal.
• Use a plastic spatula to remove the paste. (Wear rubber gloves.)
• Wipe away any residue with a clean, wet sponge.

Grout Cleaners

• Fill a spray bottle with equal amounts of white vinegar and water and generously spray the tile/grout. Let sit about five minutes.
• Scrub area with a grout brush, or even a toothbrush.
• Rinse with warm water.
• If stains are more stubborn, mix a paste of baking soda and water and using your grout brush, work it into the grout.
• Immediately follow with the vinegar spray. This should cause the baking soda paste to bubble.
• Use your brush to finish cleaning.
• Rinse with warm water.
• For mold or mildewed grout, hydrogen peroxide is a gem. Spray it on the stain, let sit for a few minutes, and then scrub with your grout brush. You can even mix baking soda and hydrogen peroxide into a paste for a stronger clean. Apply the paste to the grout lines, wait a few minutes, scrub and then rinse with water.
• NOTE: Do not apply vinegar to grout that has not been properly sealed.

Showerhead Cleaner

• Carefully mix 1/3 cup baking soda with 1 cup white vinegar in a plastic bag.
• Place the bag over the showerhead, submerging the head in the mixture; secure bag with rubber band or twist-tie.
• Let soak for at least 3 hours.
• Wipe clean.

 Window Cleaner

• Mix together in a spray bottle: ¼ cup vinegar, ½ tsp natural liquid soap, and 2 cups water. Shake to blend.
• Spray on windows and use newspaper to rub dry & clean, avoiding the window frames (newspaper can leave dark marks on the frames).

What's Ahead for the Real Estate Market?

Recently, Coldwell Banker Tomlinson Realtors®, managers, and staff were honored with a visit from the President and CEO of Coldwell Banker Real Estate LLC, Ryan Gorman. Responsible for the operations that support our network of 94,000 real estate professionals in 3,000 offices in 43 countries across the globe, he made the trip from CB's New Jersey headquarters to speak with us about the wild ride that was 2021 and share his predictions about the state of our industry moving through 2022.

Though he foresees a continuation of a seller's market, he believes it won't be "the crazy, crazy" atmosphere we saw in 2021.  "Interest rates are ticking up which will slow things a bit," he said, but "inbound migration will continue to be strong, so it will be a long time before the market shifts."

When asked if he was surprised by the activity during the pandemic, he told us that though he did not predict the "nearly 10 years of appreciation in 18 months" in our area, Ryan said he wasn't surprised to see the market remain strong. Despite the economic downturn, "we had the most equity in homes that we had literally ever had (not on a percentage basis, but on an absolute basis), and we had tighter underwriting for almost 15 years by that point than we had almost ever had, so people had good opportunities."

Contributing to the history-making market, he noted, was that for the past five or so years our area has been named to list after list of best places to live, work, and raise a family, so as people were able to work, not only remotely, but more independently, they began to make good on the question if you could live anywhere, why not live somewhere great?  

In discussing the issue of low inventory, he is quick to point out that even buyers who have been in their homes two or three months may have equity that could propel them to look at selling to purchase something that better fits their dreams and goals and encouraged agents to inform their previous buyers what their homes are worth today. Buyers, he said, can leverage their equity to move more affordably to another neighborhood or city.

Recently named a "Real Estate Newsmaker" for 2021 and "Influencer" for 2022 by RisMedia, a highly respected real estate news and information service, Ryan says is most proud of Coldwell Banker's integrity. "Integrity is first. That's an easy answer. Coldwell Banker was founded on honesty and integrity, and that has lasted."

To learn more about Ryan's strategies for Coldwell Banker in 2022, check out his interview with Jordan Grice of RisMedia.

Search for your new home at cbquadcities.com.

Valentine's Day Trivia - Test Your Knowledge!

Happy Valentine's Day to you and yours!  Today is the day for love and romance, heart-shaped chocolates and candlelit dinners.

What do you really know about Valentine's Day? Here are some fun trivia questions to test your knowledge.

1. When was the oldest-known Valentine's Day message written, and from where? 
2. When was February 14^th first declared as Valentine's Day? 
3. Who invented the first Valentine's Day candy box? 
4. What is the average number of marriage proposals on Valentine's Day each year? 
5. How much on average is spent on chocolate in America for Valentine's Day each year? 
6. How many roses are sold on Valentine's Day each year? 
7. How many Valentine's Day greeting cards are purchased in the U.S. each year? 
8. How many people typically purchase Valentines for their pets? 
9. If you send a snarky insult on Valentine's Day, what kind of "greeting" are you sending?
10. What year were the popular "conversation Sweethearts" not available?

Ready for the answers?

1. The oldest-known Valentine was in 1415, sent by Charles, Duke of Orleans, to his wife from the Tower of London where he was imprisoned. 
2. Valentine's Day was declared an official holiday in 1537 by King Henry VIII. 
3. English entrepreneur and chocolate-maker Richard Cadbury created the first heart-shaped box of chocolates. 
4. 220,000 
5. It is estimated that over $1 billion is spent in the U.S. each year for Valentine's Day. 
6. 189 million 
7. Approximately 1 billion 
8. 9 million 
9. Insulting Valentine's messages are known as "Vinegar Valentines."
10. The ever-popular "Conversation Hearts" were unavailable in 2019 after their manufacturer Necco declared bankruptcy in 2018. Thankfully, the Spangler Candy Company purchased the rights, and the candies returned in 2020.

How'd you do? 

Whether you are celebrating with your beau, your best friends, your pets, or your neighbors, we wish you a day full of love!

It's the old supply-and-demand predicament: U.S. home sales continue at a rapid pace, but the number of listings remains limited. Amid historically low mortgage rates, buyers keep shopping, reducing inventory and sparking a rise in home prices.

Meanwhile, homebuilders are coping with an increase in material costs and a shortage of labor. These issues come during an ongoing housing shortage. A National Association of Realtors study shows the U.S. has a deficit of about 2 million single-family homes and 3.5 million other housing units.

Follow along to learn the five factors that illustrate where the U.S. housing market is today and is heading tomorrow.
 

ROCK-BOTTOM MORTGAGE RATES TO GRADUALLY RISE

Low interest rates continue to fuel demand from homebuyers. Some experts believe mortgage rates will creep up later this year, but they expect rates to remain near historic lows. In June, the Mortgage Bankers Association reported that 2020 closed with the average rate for a 30-year, fixed-rate mortgage at 2.8%. But the association anticipates the average rate climbing to 3.5% at the end of 2021 and 4.2% by the end of 2022.

What does it mean for you?

When mortgage rates are at or near historic lows (as they are today), you should seriously consider taking advantage of those rates to borrow money for a home purchase or to refinance your existing mortgage.

HOME PRICES EXPECTED TO KEEP CLIMBING

In June, the national median list price for a home reached an all-time high of $385,000, up 12.7% on a year-over-year basis. And according to the Home Buying Institute, various reports and forecasts indicate home prices will keep climbing throughout 2021 and into 2022. While this may be welcome news for homeowners, high prices are pushing homeownership out of reach for a growing number of first-time buyers.

What does it mean for you?

If you're a buyer waiting on the sidelines for prices to drop, you may want to reconsider. While the pace of appreciation should taper off, home prices are expected to continue climbing. And rising mortgage rates will make a home purchase even more costly.
 

SINGLE-FAMILY HOME SALES REMAIN ROBUST

Single-family home sales are down from their peak in October 2020 yet are still above the overall level last year. In May 2021, 5.8 million existing single-family homes were sold in the U.S. That's a 45% increase over the 4 million homes sold in May 2020.

However, home sales saw a 0.9% dip in May 2021 compared with the previous month, the National Association of Realtors says. That was the fourth straight month for a decline in home sales. The number of home sales has slid recently because of rising prices and a lack of inventory, but Fannie Mae expects total home sales to tick up slightly in the fourth quarter and finish the year up 3.8% over last year.

What does it mean for you?

The market for single-family home sales remains quite active. As a result, if you're a homeowner, you may want to ponder whether to sell now, even if you hadn't necessarily been thinking about it. With demand high and inventory low, your home could fetch an eye-popping price.

LACK OF INVENTORY STILL CONSTRAINS THE HOME MARKET

According to the National Association of Realtors, in May there were 1.23 million previously owned homes on the market, down 20.6% from the same time last year. This translates to a 2.5-month supply of homes, which is well below the 6 months of inventory typical in a balanced market. According to the Realtors group, the lack of inventory translates into tougher searches for buyers and contributes to a rise in prices.

What does it mean for you?

If you're thinking of selling your home, now may be the right time to do it. Across the country, it's a seller's market, meaning demand is outpacing supply. That supply-and-demand imbalance puts sellers in a great position to sell their homes at a premium price. The May 2021 Realtors Confidence Index from the National Association of Realtors found the average home that was sold attracted five offers, and the association says nearly half of homes are selling above list price.
 

CONSTRUCTION OF SINGLE-FAMILY HOMES SEES SLIGHT UPTICK

Frustrated buyers may soon find some relief from an increase in new construction. Economists forecast that 1.1 million new houses will be started in 2021, compared with a predicted 940,000 units just six months ago, with 1.2 million new starts predicted for 2022 and 2023, according to the Urban Land Institute.

What does it mean for you?

Given the issues affecting the new-home market, it may make sense to widen your home search to include both new and existing homes. Your brand-new dream home may not be available, but you might be able to find an existing home that lives up to your vision. Keep in mind that we can help you find either a new or existing home and can advocate for you to ensure you get the best deal possible.
 
 

ARE YOU THINKING OF BUYING OR SELLING?

If you're in the market for a home, you're ready to sell your house or you've simply been wondering whether you should sell, you could benefit from an expert to help you navigate the hot real estate market. Let's set up a free consultation to discuss your situation. We can review your options and come up with a plan to capitalize on the value of your current property or to find your ideal next home.