Upgrading your home with smart technology can indeed make your life more convenient, energy-efficient, and secure. Here are some popular smart home upgrades and their benefits:

• Smart Locks: Smart locks like Level locks offer enhanced security and convenience. You can lock and unlock your doors remotely using a smartphone app, provide temporary access to guests, and receive notifications when someone enters or exits your home. It's a great way to improve your home's security while eliminating the need for physical keys.

• Connected Thermostats: Installing a smart thermostat allows you to control your home's heating and cooling systems remotely. These devices can learn your preferences, adjust the temperature based on your schedule, and even save energy by optimizing heating and cooling cycles. Over time, this can lead to significant cost savings on your energy bills.

• Smart Lighting: Replace traditional light bulbs with smart bulbs or switches. Smart lighting systems enable you to control the brightness and color of your lights using a smartphone app or voice commands. You can also schedule lights to turn on and off automatically, enhancing energy efficiency and security by simulating your presence when you're away.

• Voice Assistants: Integrating voice assistants like Amazon Alexa or Google Assistant into your home allows you to control various smart devices using voice commands. You can ask questions, set reminders, play music, and control lights, thermostats, and more with just your voice.

• Security Cameras: Smart security cameras provide real-time monitoring and remote access to video footage. They offer peace of mind by allowing you to check on your home when you're away and receive alerts for suspicious activity. Many cameras also have built-in motion sensors and two-way audio, making them versatile security tools.

• Smart Plugs and Outlets: These devices can turn any regular appliance or electronic device into a smart one. You can remotely control when they turn on or off, monitor energy usage, and even create schedules to automate tasks like turning on your coffee maker in the morning.

• Smart Home Hubs: A central hub can unify your various smart devices, making it easier to manage them from a single app or interface. This streamlines the user experience and allows for more advanced automation and customization options.

Benefits of Smart Home Upgrades:

• Convenience: You can control and monitor your home from anywhere, reducing the need to be physically present for tasks like adjusting the thermostat or checking security cameras.

• Energy Efficiency: Smart devices can help reduce energy consumption by optimizing heating, cooling, and lighting based on your preferences and occupancy patterns.

• Security: Enhanced security features such as smart locks, cameras, and motion sensors help protect your home and provide peace of mind.

• Savings: Over time, smart home upgrades can lead to cost savings on energy bills, as well as potential insurance discounts for improved security.

• Customization: You can tailor your smart home to your specific needs and preferences, creating a more personalized living environment.

Before embarking on your smart home upgrade journey, it's essential to research compatibility and ensure that your chosen devices work seamlessly together. Additionally, consider the privacy and security implications of connected devices and take steps to protect your data and network.

The following information comes from the latest quarterly report by the National Association of REALTORS®.

Nearly 60% of metropolitan markets, specifically 128 out of 221, observed increases in home prices during the second quarter of 2023, while 30-year fixed mortgage rates fluctuated between 6.28% and 6.71%. In the same period, five percent of the 221 monitored metro areas saw double-digit price growth, a decrease from the seven percent reported in the first quarter.

Chief Economist Lawrence Yun from the NAR stated, "Higher mortgage rates and limited inventory led to a decline in home sales. However, affordability challenges are improving due to moderating or even falling home prices, coupled with rising job opportunities and incomes."

In comparison to the previous year, the median national price for existing single-family homes experienced a 2.4% decrease, reaching $402,600. In the preceding quarter, the year-over-year national median price dropped by 0.2%.

Yun further added, "Similar to weather patterns, significant variations exist in local markets despite the minor shifts in the national home price."

Among the major U.S. regions, the South accounted for the largest share of single-family existing-home sales (46%) in the second quarter, despite a 2.2% year-over-year price decline. Prices increased by 3.2% in the Northeast and 1.4% in the Midwest, while experiencing a 5.8% decline in the West.

Yun noted, "Interestingly, some of the fastest-growing job markets experienced price drops. These areas are recalibrating to more sustainable price growth after years of rapid increases. The presence of multiple offers on homes, along with ongoing job and wage gains, suggests that price declines may already be in the rearview mirror."

The top 10 metro areas with the highest year-over-year price growth achieved gains of at least 10.4%, with six of these markets located in the Midwest. These include Fond du Lac, Wis. (25.3%); New Bern, N.C. (19.7%); Duluth, Minn.-Wis. (14.6%); Davenport-Moline-Rock Island, Iowa-Ill. (12.6%); Allentown-Bethlehem-Easton, Pa.-N.J. (11.7%); Kingsport-Bristol-Bristol, Tenn.-Va. (11.5%); Peoria, Ill. (11.5%); Green Bay, Wis. (10.9%); Trenton, N.J. (10.5%); and Cape Girardeau, Mo.-Ill. (10.4%).

Seven out of the top 10 most expensive markets in the U.S. were situated in California. 

Approximately 41% of markets (90 out of 221) witnessed a decline in home prices during the second quarter, up from 31% in the first quarter.

Housing affordability worsened from the first quarter to the second quarter due to rising home prices and mortgage rates. The monthly mortgage payment for a typical existing single-family home with a 20% down payment rose to $2,051, marking a 10% increase from the first quarter ($1,864) and an 11.6% increase – equivalent to $214 – from the previous year. Families typically allocated 27% of their income to mortgage payments, up from 24.5% in the prior quarter and 25.3% from one year ago.

The shortage of inventory and affordability concerns continued to impact first-time buyers during the second quarter. For a typical starter home valued at $342,200 with a 10% down payment loan, the monthly mortgage payment increased to $2,012, reflecting a 9.9% rise from the previous quarter ($1,830). This was an increase of over $200, or 11.3%, from the previous year ($1,807). First-time buyers generally devoted 40.7% of their family income to mortgage payments, up from 37.1% in the prior quarter.

In the second quarter, a family needed an income of at least $100,000 to afford a 10% down payment mortgage in 40.3% of markets, up from 33% in the prior quarter. Conversely, a family needed an income of less than $50,000 to afford a home in 6.3% of markets, down from 10% in the previous quarter.

The National Association of REALTORS® is the largest trade association in the U.S., representing over 1.5 million members engaged in various aspects of the residential and commercial real estate industries. The term REALTOR® is a registered collective membership mark that identifies real estate professionals who are members of the National Association of REALTORS® and adhere to its strict Code of Ethics.

Here are some of the top DIY and home improvement projects that homeowners are currently undertaking:

• 1. Kitchen Cabinet Redo: A cost-effective way to update your kitchen is by stripping and refinishing your existing cabinets. This allows you to save money on a kitchen remodel while reducing waste. If you do decide to replace your cabinets, consider repurposing the old ones in other areas of your home, such as the laundry room, garage, or bathroom.

•  

• 2. Front Door Makeover: Replacing your front door can greatly enhance your home's curb appeal. However, instead of buying a new door, you can save money by refinishing your existing one. Give a natural wood door a new look by stripping, staining, or resealing it. Alternatively, repaint a metal door in vibrant colors. Upgrading the door hardware can also add a touch of elegance.

•  

• 3. Furniture Repurposing: Take advantage of low-cost used furniture available at yard sales, antique stores, or online platforms, and transform them to suit your style. Refinish or reupholster the pieces yourself to create unique furniture that reflects your taste. This trend allows you to save money while adding personality to your home.

•  

• 4. Painting: Painting is a popular and budget-friendly DIY home improvement project. A fresh coat of paint can instantly breathe new life into any room and give it a refreshed appearance. Whether you want to update the walls, furniture, or accessories, painting is a versatile and transformative option.

•             

• 5. Gardenscaping: Transform unused yard space and high-maintenance lawns into functional and attractive gardens. Creating raised garden beds using wooden planks is a popular approach. You can repurpose salvaged wood or creatively upcycle materials to construct unique planters and beds. Edible landscaping is a trendy choice, allowing you to grow your own produce while beautifying your outdoor space.

These projects offer homeowners the opportunity to enhance their homes while being creative, cost-effective, and environmentally conscious.

What You Need to Make This Ice Cream Door Hanger:

• Cone Shaped Wall Container

• Burlap Ribbon

• Artificial flowers of your choosing...see samples below:

  • 4 large hydrangea stems (color of choice – we used pink)

  • 4-5 peony stems (color of choice – we used yellow)

  • 4 peony stems (another color – we used white)

  • 1 red flower of choice (the cherry!)

• Floral foam

• Floral pins

• Wire Cutters

• Glue Gun

• Glue Sticks

STEP ONE: Begin by covering your cone-shaped container with burlap. Utilize a continuous piece of wired 2.5-inch natural burlap. Commence at the top back of the container and fasten it in place using a floral pin or a small amount of hot glue. Proceed to wrap the burlap around the entire cone, securing it at the bottom with another dot of hot glue or a floral pin. This will create the appearance of an ice cream cone.

STEP TWO: Insert a square piece of floral foam into the cone-shaped container, ensuring it fits snugly. Trim any excess foam protruding from the top.

STEP THREE: Arrange your flowers in rows. Start with a row of yellow peonies, followed by pink hydrangeas, white peonies, and finally, place a single red flower at the top to resemble a cherry.

For the first row of flowers, trim the stems to approximately 3 inches in length. Leave the stems around 5 inches long for the next row, approximately 8 inches for the third row, and keep the stem of the cherry flower the longest, at about 10 inches. If the stem of the red "cherry" flower is insufficiently long, you can attach it to a floral pick and wrap it with floral tape to add extra height.

Apply hot glue to the bottom 1/2 inch of each stem and insert them into the floral foam. Repeat this process for each flower.

How to Add Value to Your Home: A Guide for Homeowners

Adding value to your home is a smart investment, whether you're planning to sell in the near future or want to enjoy the benefits of your improvements for years to come. In this guide, we'll walk you through the steps to help you make informed decisions about home renovations and understand the potential return on investment.

Step 1: Determine Your Goals for Adding Home Value

Before diving into any renovations, it's essential to clarify your goals for the short and long term. Are you looking to sell quickly for top dollar, or do you plan to stay in your home for the next decade? Understanding your goals will help you prioritize projects accordingly.

If you aim to sell quickly, focus on quick home improvement projects such as painting, new exterior doors, light landscaping, or updating lighting fixtures. These projects can make a big impact and attract potential buyers.

If your focus is on building equity and you don't plan to sell for another 10 years, you have more time to consider major overhauls like kitchen remodeling or installing solar panels.

Step 2: Create a Budget

Once you have a timeline and project scale in mind, it's time to establish a budget. Determine how much you're willing to spend before starting any DIY or professional renovation work.

Cost Considerations:

• Renovation projects typically range from $15 to $60 per square foot, while kitchen and bathroom renovations can cost $100 to $250 per square foot.

• To maximize your return on investment, consider updating one or two important rooms like the kitchen or bathroom.

Payment Options:

• For major renovations or home additions, explore different financing options. Putting such projects on a credit card is not advisable unless you can quickly pay off the balance.

• Personal loans offer more favorable interest rates and flexible repayment options compared to credit cards.

• Cash-out refinancing allows you to replace your mortgage with a larger one, providing additional funds for renovations. Speak to a lender to explore this option.

Step 3: Select Your Project

With your budget established, it's time to choose your project(s). Consider these high-return home improvement ideas:

• 1.Upgrade Your Interior Paint: A fresh coat of paint can modernize and enhance your home's value. Focus on painting the kitchen and bathrooms if you have a limited budget.

• 2.Touch Up Your Landscaping: Improve your home's curb appeal by mowing the lawn, trimming shrubbery, and adding colorful flowers. Consider hiring a professional landscaper for a comprehensive landscape upgrade.

• 3. Update the front door and porch area: As part of the curb appeal the front door and/or porch is one of the first things that will be noticed as buyers make their way to your home. An old worn out front door can be replaced with a new and stronger one, or simply repainted with a new inviting color that stands out.

• 4.Modernize Your Bathroom: Upgrade your bathroom with simple improvements like replacing outdated wallpaper, hardware, lighting fixtures, and faucets. A full remodel can also significantly increase value.

• 5.Keep It in the Kitchen: Focus on the kitchen if you want to prioritize one room. Consider updating appliances, repainting cabinets, replacing hardware, and installing granite countertops.

• 6.Get Energy-Efficient: Invest in energy-efficient upgrades like energy audits, energy-efficient windows, and solar panels. These improvements can lower utility costs and attract eco-conscious buyers.

Step 4: Make a Plan

Once you've chosen your projects, it's time to create a plan of action. Decide whether to handle the renovations yourself, hire a contractor, or combine both approaches based on your skills, budget, and project size. Gather estimates from multiple contractors and ask for references before making a decision.

Stay organized by setting a schedule and deadline for each renovation project. Allocate dedicated time in your calendar to stay on track and complete tasks before listing your home.

How Renovations Increase Home Value:

Renovations can increase the value of your home and attract potential buyers. Here are a few ways they contribute:

• 1.Higher Asking Price Based on Comparative Sales: Upgraded homes can justify higher asking prices, especially when compared to similar homes in the area. Comparable sales take renovations into account and can significantly impact the perceived value of your property.

•  

• 2.Potential for Reduced Capital Gains Taxes: Renovations can increase your home's adjusted cost basis, potentially reducing the capital gains taxes you owe when selling. Consult with a tax advisor to understand how renovations can offset capital gains.

Maximize Your Return on Renovation Projects:

To maximize your return on investment, consult with a real estate agent to determine which renovations are worthwhile based on your selling timeframe. If you plan to stay in your home longer, consider larger projects that enhance both your enjoyment and resale value.

Remember to keep track of expenses and stay within your budget. By strategically investing in renovations, you can increase your home's value and potentially enjoy a higher selling price or long-term equity growth.

Classics On The Water

July 9, 2023

10:00AM to 2:00PM

The Landing

Join us for the Show and Shine Car Show! Do you have a car or motorcycle you want to show off? Open to the public, this is a non-judged event, with a free-will donation. All the money raised goes to the Optimist Club to support programs that bring out the Best in our Community's Youth. The Pancake Man will be serving breakfast. Lunch will be available as well. 

More Information

Website

Beer Belly Yoga at Full Fledged Brewing Co.

July 9, 2023

11:00 to 11:45AM

Full Fledged Brewing Co.

Join us for Beer Belly Yoga at the Brewery! Carrie Ashley E-RYT 200 from Half Moon will be leading you through your yoga practice. Beer belly is not required! $15 includes a yoga class and a pint. All levels are welcome, and please bring your own mat. No need to sign up in advance; show up and join us!

More Information

Website

Underwood's Monday Market

July 10, 2023

6:00 to 7:30PM

UMBA Hall Pavillion

The Friends of Underwood organize the Monday Markets, featuring locally grown produce and goods. Stop by for great company and shopping. This week's special event is a car show!

More Information

(712) 566-2990

Website

US Open Badminton Championships

July 11 - 16, 2023

Mid-America Center

The 2023 US Open Badminton Championships are taking place at the Mid-America Center in Council Bluffs! 

More Information

Contact: Mid-America Center

(712) 323-0536

Website

Wild Wanderers Summer Camp | Arrowhead Park

July 11 - 13, 2023

8:00AM to 1:00PM

Arrowhead Park

Students entering 5th & 6th Grade will make some waves as they continue to expand their outdoor knowledge during Wild Wanderers at Arrowhead Park July 11th – July 13th. Online pre-registration is required as space is limited.

• What: Wild Wanderers camp is designed for unaccompanied campers entering 5th & 6th grade (students ages 10 to 11).

• Where: The camp will be held at Arrowhead Park in Neola, IA

• When: 8:00 a.m. to 1:00 p.m. from Tuesday, July 11th through Thursday, July 13th.

• Pricing: The cost for this three-day camp is $75.00 per camper and includes park admission, snacks, and camp materials.

• Camps may be attended by students in the listed grades only. No additional students or parents, please. 

• Campers will need to provide a sack lunch for each day of camp. We also request campers bring a refillable water bottle, sunblock, and insect repellent. 

Friday the 14th will be a backup rain date.

More Information

Contact: Pottawattamie Conservation

environmentaleducation@pottcounty-ia.gov

Website

Hydrant Party!

July 11, 2023

1:30 to 2:30PM

Curtis Street & Ave F

The Council Bluffs Fire Department hosts hydrant parties throughout the summer on Tuesdays and Thursdays from 1:30 - 2:30 p.m. at various locations in Council Bluffs. Join them for some old fashioned summer fun! 

Thanks to Council Bluffs Water Works for providing the water and Centris Federal Credit Union for giving out frozen treats! 

More Information

Website

Treynor Farmer's Market

July 11, 2023

5:00 to 7:00PM

Treynor Community Center Parking Lot

Come over to the Treynor Farmer's Market, where you can shop for local produce from amazing local vendors, enjoy exciting activities, and support our local farmers! More Information

Contact: Kathy Klahn

(712) 355-2855

deputyclerk@cityoftreynor.com

Avoca Main Street Farmers Market

July 12, 2023

5:00 to 7:00PM

N 200 block of Elm Street

Join us on North Elm Street in Avoca every Wednesday evening, June through September, for the Avoca Main Street Farmers Market. 

More Information

Contact: Amber Mohr

(712) 307-0172

mainstreet@cityofavoca.com

WebsiteWebsite

89.7 The River's River Riot

July 12, 2023

6:00 to 11:00PM

Westfair Fairgrounds and Amphitheater

Get ready to rock out at the highly-anticipated River Riot concert! Join us as the popular MonsTour takes the stage, featuring electrifying performances by bands like Falling in Reverse, Ice Nine Kills, Underoath, Catch Your Breath, and The Tale Untold. Don't miss out on this epic event! 

More Information

Website

America's Pub Quiz Trivia Night

July 12, 2023

7:00 to 9:00PM

Maloney's Live

Join us for live trivia every Wednesday from 7 pm-9 pm! Get your free answer at americaspubquiz.com. Prizes for the top 3 teams! Teams can be as big or small as you like. Trivia is general knowledge and includes a variety of categories!

More Information

maloneysbooking@gmail.com

Website

Music in the Park: Travis the Band (R&B, Soul & Pop)

July 12, 2023

7:00 to 8:00PM

Bayliss Park

Join us again this summer as we partner with Omaha Musicians Association to bring you Music In The Park at Bayliss Park. Every Wednesday from 7-8 PM, bring your lawn chairs, coolers, and dancing shoes for a night of music. This event is free to attend. 

• July 12 Travis the Band (R&B, Soul & Pop)

• July 19 Michael Lyon Group (Great American Songbook)

• July 26 Blue House w/ the Rent to Own Horns (Blues)

More Information

Contact: Box Office

(712) 890-5600

info@paceartsiowa.org

Website

Walk the Bluffs

July 13, 2023

10:30 to 11:30AM

Lake Manawa Trails

Council Bluffs Community Walking Club is free and open to everyone in our community. As with any new fitness program, please consult with a physician prior to attending and assume full responsibility for any risks, injuries, or damages, known or unknown, that might result from participating in this program. *dates/times subject to change.

More Information

Contact: Carrie Mcdonald

(712) 796-3621

carrie@firstrowfitness.com

Website

Hydrant Party!

July 13, 2023

1:30 to 2:30PM

Merlin Lane & Redtail Road

The Council Bluffs Fire Department hosts hydrant parties throughout the summer on Tuesdays and Thursdays from 1:30 - 2:30 p.m. at various locations in Council Bluffs. Join them for some old fashioned summer fun! 

Thanks to Council Bluffs Water Works for providing the water and Centris Federal Credit Union for giving out frozen treats! 

More Information

Website

Farmers Market Council Bluffs

July 13, 2023

4:30 to 7:30PM

Bayliss Park

Shop, eat, and play all summer! Come check out Farmers Market Council Bluffs, now in it’s 14th season! Located in Bayliss Park, the farmers market showcases both seasonal and weekly vendors every Thursday evening from 4:30 pm - 7:30 pm. The farmers market also includes wellness activities and live entertainment. Have kids? Not a problem! Along with plenty to do for the adults, there is a play space to entertain the kids.

More Information

Contact: Lindsey

lindsey@the712initiative.org

Website

Taco Ride

July 13, 2023

5:00 to 11:00PM

Wabash Trace Nature Trail

The Taco Ride takes place every Thursday evening on the Wabash Trace Nature Trail, from Council Bluffs, Iowa to Mineola, Iowa, and back. The scenic ride is about 20 miles through the Loess Hills and ends with dinner at Tobey Jack's Mineola Steakhouse. 

Note: The Taco Ride is a weekly event. It runs every Thursday evening during most of the year, weather permitting. Visit the Taco Ride website, linked below, for event news. For more information about the ride, visit our blog. 

More Information

Website

746 Needlework Club

July 13, 2023

6:00 to 8:00PM

Council Bluffs Public Library

Knitting, crochet, embroidery - all skill levels welcome! Meet with people who share your interest in needlework; share ideas and help each other! Bring your own supplies or projects to work on. 746 Needlework Club normally meets the second and fourth Thursday each month. It is free and open to the public.

More Information

Contact: Marlys Lien

(712) 323-7553 x5427

mlien@councilbluffslibrary.org

Website

Comedy Night @ the Orchard

July 13, 2023

7:00 to 9:00PM

Ditmars Orchard & Vineyard

Come out and drink some local adult beverages and enjoy some adult comedy while you're at it! Doors open at 7 pm, and the show starts at 7:30 pm! Tickets- $10 limited seating! Featuring: Megan Malone, Ben Weber, Ethan Abramson, and Don Seager. 

More Information

Contact: Ashley Stange

(712) 355-1189

Info@ditmarsorchard.com

Website

Legion Riders Post 2 Golf Tournament

July 14, 2023

11:30AM

Council Bluffs Country Club

Funds raised will be used to fund programming for local veterans and their families. The format will be a four-person scramble with fun games, Mulligans, and of course, some great pin prizes! The fee is $300 per team. Check-in is from 11:30 to 12:30. Tee off at 1:00. Lunch is provided before Tee off.

More Information

Contact: Tony Luneke

(402) 957-0199

Website

Recreation On-The-Move (Yard Games & Big Blue Blocks!)

July 14, 2023

1:00 to 3:00PM

Valley View Park

Join us for gaga ball, yard games, and the big blue blocks at this Recreation On-The-Move! Recreation On-The-Move is a free drop-in program with fun, pop-up recreational programming throughout the parks of Council Bluffs. The activities are designed for kids to attend with friends, parents, or caregivers and will feature a different theme with related games and activities. Questions? Contact our Parks and Recreation Department (712) 890-5291

More Information

Contact: Parks and Recreation

(712) 890-5291

dbettmann@councilbluffs-ia.gov

Website

The 100 Block Story

July 14, 2023

6:00PM

Barley's Bar

This is a limited seating first time event so please reach out to Jessica Duncan to get registered before we are sold out. This evening will include the story of Team Poppy's connection to the 100 Block, memories of the 100 Block that shouldn't be forgotten, Most Dapper and Stylish award, a DELICIOUS meal from Barley's, drinks, dessert, snacks, prizes and live music. 100% of the proceeds will benefit the Council Bluffs Walk to End Alzheimer's 9.23.23 at IWCC and you can find out more at act.alz.org/cbwalk. Special thank you to the Mahoney family who sponsored this wonderful meal in memory of Ron, Team Poppy with Team Captain Jill Hermsen and the team/family at Barley's for making this happen! #EndAlz

More Information

Contact: Jessica Duncan

(515) 325-5287

Jsduncan@alz.org

Wine Yoga

July 14, 2023

6:00 to 7:00PM

The Feel Good Factory

Join us for some yoga, wine & social time. Snacks, wine, and non-alcoholic beverages are available. Mats are available but feel free to bring your own. All fitness levels are welcome! Open to the Public. This event is held on the 2nd Friday of every month!

TFGF Members - Free
Non-Members - $10 drop-in

More Information

Contact: Michelle Salerno

(402) 680-2964

tfgfactory@gmail.com

Website

PACE | Paint & Sip

July 14, 2023

6:30 to 8:30PM

Hoff Family Arts & Culture Center

Join us for another exciting and creative paint & sip class taught by Kathy Fiscuss. **Free Drink Included*** Members $20 | Non-Members $25. Ages 21+

More Information

Contact: Box Office

(712) 890-5600

info@paceartsiowa.org

Website

PACE | Your Childhood Nostalgia Trivia

July 14, 2023

7:00PM

Hoff Family Arts & Culture Center

Were you ever a kid? Did you enjoy the 70s, 80s, or 90s? To celebrate the theme of PACE Interactive, we are taking a look back at our own childhoods! During Trivia Night: Your Childhood Nostalgia, we will look at all things children's toys, movies, and media!

More Information

Contact: Box Office

(712) 890-5600

info@paceartsiowa.org

Website

Friday Night Lights

July 14, 2023

8:00 to 10:30PM

The Hub Trampoline Park

This is a great night for families! Come down together and enjoy our Friday nights as we transform The Hub into a night of cosmic fun! 

 All ages are welcome! From 8:00- 10:30 pm!

More Information

Contact: The Hub

(712) 310-2090

thehubflyzone@gmail.com

Website

Stir Concert Cove Presents: Ice Cube

July 14, 2023

8:00 to 11:45PM

Stir Concert Cove

Ice Cube is an award-winning musician, actor, director, producer, civil rights leader, and CEO, and co-founder of the BIG3 professional 3-on-3 basketball league. After leaving NWA group at the peak of its popularity to pursue one of the most successful careers in music history. 

More Information

Website

Cheers to 4 Years at Full Fledged Brewing Co.

July 15, 2023

12:00 to 11:00PM

Full Fledged Brewing Co.

Join us for our 4th Anniversary Celebration! 4 new/small batch beers dropping; new merch releases and giveaways; 3 kids lobster roll food truck; outdoor games, silent disco and outdoor live music by the Barry Boyce Band who has never performed here before! They play a variety of ethnic music featuring old-time German, Czech and Polish polkas and waltzes with English lyrics as well as a variety of fox-trots. 

More Information

Website

Tristan's Trails 2nd Annual 5K Run

July 15, 2023

8:00AM

Vision Treynor Group Area

Join us for a 5K Run / 1-Mile Walk on Saturday, July 15th. The start and end zone will be located at the future home of Tristan's Trailhead/Trail Tristan's Trail is located on The Treynor "T" property at 6 Zion Drive in Treynor, Iowa. This event will benefit Tristan's Trail.

More Information

Contact: Michael L. Holton - www.cityoftreynor.com

(402) 640-6454

ichaelh@cityoftreynor.com

Website

River City Farmers Market

July 15, 2023

9:00AM to 12:00PM

YMCA Healthy Living Center parking lot

The River City Farmers Market is a family-friendly farm market that sells vegetables, baked goods, Tupperware, plus so much more. We have fresh in-season vegetables available each week, along with fresh baked breads and goodies. Honey, popcorn, jelly, BBQ sauce, dressings, salsas, mustards, plants including herbs and succulents, and hydroponic tomatoes.

More Information

Contact: Donna Brahms

(402) 677-2460

mbrahms@netins.net

Fairview Cemetery Guided Walking Tour

July 15, 2023

10:30AM to 12:00PM

Fairview Cemetery

Nestled in the bluffs overlooking the Missouri River Valley, Fairview Cemetery is home to many Council Bluffs settlers, business entrepreneurs, and a scurry of black squirrels. This tour explores the majesty of this historic memorial garden, the lives of some who rest there, and the art erected to memorialize them. Tickets start at $25.00

 More Information

Contact: Shannon Justice

(816) 616-9162

shannon@historywalksnebraska.com

Website

United Way of the Midlands Community Celebration

July 15, 2023

11:00AM to 2:00PM

River's Edge Pavilion

Come out with your neighbors, family, and friends for one of our 100th-anniversary celebrations and enjoy family-friendly activities, foods, drinks, fun giveaways, a community village, and more! 

More Information

Contact: United Way of the Midlands

(402) 342-8232

events@uwmidlands.org

Website

Saturday Matinee - Sing

July 15, 2023

2:00 to 4:00PM

Council Bluffs Public Library

Dapper Koala Buster Moon presides over a once-grand theater that has fallen on hard times. An eternal optimist, and a bit of a scoundrel, he loves his theater above all and will do anything to preserve it. Facing the crumbling of his life's ambition, he takes one final chance to restore his fading jewel to its former glory by producing the world's greatest singing competition. Five contestants emerge: a mouse, a timid elephant, a pig, a gorilla and a punk-rock porcupine. PG ~ 2016 ~ 1 hour, 48 minutes Popcorn included!

More Information

Contact: Marlys Lien

(712) 323-7553 x5427

mlien@councilbluffslibrary.org

Website

Saturday Glow Night

July 15, 2023

9:00PM to 12:00AM

The Hub Trampoline Park

Drop the kids off every other Saturday night as we transform The Hub into nights of cosmic fun! The lights go down, the music goes up, while we fire up lasers, black lights, disco balls, and fog machines. These weekend events include open jump, glow-in-the-dark dodgeball, games, and giveaways! Memberships will be verified upon check-in, $20 entrance fee for members. $25 for a regular ticket

More Information

Contact: The Hub

(712) 310-2090

thehubflyzone@gmail.com

Website

Iowa Home Buyer Overview

According to the Iowa Association of Realtors, the median home sale price in Iowa was $218,000 in February 2023, representing a 10.2% increase compared to the previous year. Rising home prices can make it challenging for first-time buyers to save for a down payment and afford monthly mortgage payments. However, there are options to help you overcome these hurdles.

Iowa Home Buyer Stats

To give you a better idea of the financial aspects involved in buying a home in Iowa, here are some key statistics:

• Average Home Sale Price in Iowa: $218,000

• Minimum Down Payment in Iowa (3%): $6,550

• 20% Down Payment in Iowa: $43,600

• Average Credit Score in Iowa: 729

• Maximum Iowa Home Buyer Grant: Up to $14,999 as a forgivable loan in Cedar Rapids

These down payment amounts are based on the state's most recent average home sale price. If you're eligible for a VA loan (backed by the Department of Veterans Affairs) or a USDA loan (backed by the U.S. Department of Agriculture), you may not need any down payment at all.

First-Time Home Buyer Loans in Iowa

While a 20% down payment is ideal, many first-time buyers don't have that amount saved. The good news is that you have options to buy a home with a lower down payment. Consider the following low-down-payment mortgage programs:

• Conventional 97: Offered by Freddie Mac or Fannie Mae, this program requires a 3% down payment and a minimum FICO score of 620. Once you reach 20% home equity, you can usually stop paying mortgage insurance.

• FHA Loan: Backed by the Federal Housing Administration, an FHA loan allows a down payment of 3.5% with a minimum credit score of 580. However, you will need to pay mortgage insurance premiums (MIP) until you refinance to a different type of mortgage, move, or pay off your loan.

• VA Loan: Reserved for veterans and active-duty service members, a VA loan offers a zero down payment requirement. Minimum credit score requirements vary by lender but are often around 620. There is no ongoing mortgage insurance after closing, making VA loans highly desirable.

• USDA Loan: Designed for individuals with low-to-moderate incomes purchasing homes in designated rural areas, a USDA loan requires no down payment. Credit score requirements vary by lender but often hover around 640, and the mortgage insurance rates are low.

Iowa First-Time Home Buyer Programs

The Iowa Finance Authority (IFA) provides various home loan programs to assist first-time and repeat home buyers in Iowa. These programs typically offer below-market interest rates and reduced closing costs. Here are two notable IFA programs:

1. IFA FirstHome: This program offers special mortgages to eligible first-time home buyers in Iowa. To qualify, you must meet IFA financing guidelines, including having a credit score of 640 or higher, a debt-to-income ratio (DTI) below 45%, and meeting household income and home purchase price limits. Completing a homebuyer education course is also required.

2. IFA Homes for Iowans: Unlike the FirstHome Program, Homes for Iowans is available to both first-time and repeat home buyers. It offers low-cost 30-year fixed-rate mortgages with lower interest rates and higher limits on income and purchase price. Eligibility requirements include having a credit score of 640 or higher, a DTI below 45%, and meeting income and purchase price limits. Completing a homebuyer education course is also necessary.

Iowa First-Time Home Buyer Grants

Iowa provides grants to assist eligible first-time home buyers with down payment and closing costs, making homeownership more accessible. The IFA offers down payment and closing cost assistance in the form of a second mortgage. Here are a couple of options:

1. Iowa DPA Grant: This grant provides $2,500 in down payment assistance, which can be used towards your down payment and closing costs. It is a grant, meaning it doesn't need to be repaid.

2. Iowa DPA Loan: If you need additional assistance, you can borrow up to $5,000 or 5% of the home purchase price as a second mortgage. There is no interest charged, and no monthly payments are required. However, the loan must be repaid in full when you sell the home, refinance, or complete your mortgage payments.

IFA Military Homeownership Assistance: Eligible military members and veterans may qualify for additional assistance through the IFA's Military Homeownership Assistance Program. The grant amount doubles to $5,000, and combined with the second mortgage, you can receive up to $10,000 in assistance.

IFA Mortgage Credit Certificate Program (MCC): This program provides eligible first-time home buyers with a federal tax credit, reducing their federal income tax liability. The credit allows borrowers to keep more of their income, making it easier to qualify for a mortgage and afford monthly payments.

Other Iowa First-Time Home Buyer Assistance

In addition to the IFA's programs, it's worth exploring any down payment assistance programs offered by your city or county. Conduct an internet search for "[your city or county] down payment assistance" or consult with your loan officer or real estate agent for recommendations.

Remember to review the specific eligibility requirements and application processes for each IFA home loan program. Working with a participating lender and consulting a housing counselor can help you navigate the application process and determine the best program for your needs.

Iowa offers a range of resources and programs to support first-time home buyers. By taking advantage of these opportunities, you can make your homeownership dreams a reality. Good luck with your home buying journey in Iowa!

Introduction: Buying a fixer-upper can be an enticing option for prospective homeowners, as it offers the potential to own a property that would otherwise be out of reach financially. However, it's crucial to carefully consider the advantages and disadvantages before diving into such a purchase. In this blog post, we'll delve into the pros and cons of buying a fixer-upper. From potential cost savings to the renovation process and the eventual resale value, we'll provide you with a comprehensive understanding to help you make an informed decision, regardless of whether you're a first-time homebuyer or an experienced investor.

1. 1. Affordability and Potential Cost Savings: One of the significant advantages of buying a fixer-upper is the potential for significant cost savings compared to purchasing a move-in-ready home. Generally, fixer-uppers are priced lower than their market value, reflecting the need for repairs and renovations. By investing your time, effort, and funds into fixing the property, you have the opportunity to create equity and potentially increase the value of your home. Additionally, buying a fixer-upper may allow you to enter a desirable neighborhood or secure a larger property that would typically be beyond your budget.

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3. 2. Customization and Personalization: When you purchase a fixer-upper, you have the freedom to tailor the property to your specific tastes and needs. From choosing the layout and materials to designing the interior and exterior spaces, a fixer-upper allows you to create a home that truly reflects your vision. This level of customization can be incredibly rewarding, giving you a sense of ownership and pride in the final product.

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5. 3. Renovation Process and Challenges: While the renovation process can be an exciting and creative endeavor, it's important to acknowledge the potential challenges involved. Fixing up a property requires time, effort, and, in many cases, professional assistance. It's essential to assess your skills, resources, and availability to determine whether you're up for the task. Renovation projects can be complex, and unexpected issues may arise, leading to additional costs and delays. It's vital to have a realistic understanding of the required work and establish a comprehensive renovation plan to mitigate these challenges.

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7. 4. Time and Patience: Buying a fixer-upper demands a considerable amount of time and patience. Renovations can take weeks, months, or even years, depending on the scope of the project. It's crucial to be prepared for the disruption and inconveniences that come with living in a construction zone. If you have a tight timeline or lack the patience for ongoing renovations, a fixer-upper may not be the ideal choice for you.

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9. 5. Resale Value and Return on Investment: Another crucial aspect to consider when purchasing a fixer-upper is the potential resale value and return on investment. While successfully renovating and enhancing the property can increase its value, it's important to evaluate the local real estate market and analyze comparable properties to ensure your investment is financially sound. Factors such as location, market conditions, and the overall quality of your renovations can influence the resale value. Conduct thorough research and consult with real estate professionals to make an informed decision regarding the property's potential for appreciation.

Conclusion: Buying a fixer-upper offers both advantages and challenges. It can provide an opportunity to save money, customize your dream home, and potentially increase its value. However, it requires careful planning, commitment, and a realistic assessment of your capabilities and resources. By considering the pros and cons outlined in this blog post, you can make an informed decision and determine if a fixer-upper aligns with your homeownership goals and aspirations. Remember, patience, research, and careful consideration are key to transforming a fixer-upper into a rewarding investment.

4th Of July Events

Fire in the Sky: Fourth of July in Avoca, Iowa

July 4, 2023

11:00AM

City of Avoca

Join Avocans for an iconic small town 4th of July celebration. Events on Avoca Main Street, the charming historical downtown, begin at 11 a.m. and include a kids pedal tractor pull, classic auto show, food vendors, and midway games to fundraise for our community's Legion Hall restoration project. At 2 p.m. hundreds line the street for one of the best parades in southwest Iowa. Celebrations continue at Edgington Memorial Park, and conclude at dusk with a fireworks display at the Avoca CountryView Golf Course, visible from almost anywhere in the city. This year's parade theme is Fire in the Sky, and the Avoca Volunteer Fire Department is our Grand Marshall.

More Information

Contact: Amber Mohr

(712) 307-0172

mainstreet@cityofavoca.com

Website

Lake Manawa Fireworks

July 4, 2023

10:00PM

Lake Manawa

The Council Bluffs community looks forward to this beautiful celebration every summer! Whether you enjoy the fireworks from the water or the shoreline of our beautiful lake, we know you'll feel the pride we have for our city and country. The show will begin at 10:00 p.m. on July 4th! 

The Lake Manawa Fireworks non-profit group depends on the community's support to keep this celebration going. To help support, consider donating. 

More Information

Contact: BRYAN BIEDERMAN

(712) 435-5001

bryanbiederman@fnni.com

Website

Logan, Iowa

Oakland, Iowa 

Independence Day Celebration

July 4, 2023

Chautauqua Park

Enjoy a family-friendly day in Oakland on July 4th! The day starts with the annual fire department pancake breakfast from 7-10:30 am. The car show by Arbor Bank runs from 9 a.m. - 3 p.m. with live music. Vendors, food, and other booths will be set up beginning at 9 a.m. and run until noon or later. Nishna Heritage Museum will be open from 11 a.m. - 4 p.m. with crafts for kids and a scavenger hunt for older kids and adults. The swimming pool will be open from 12 noon -5 p.m. Return to the park at dusk for the grand fireworks show!

More Information

Website

Underwood July 4th Celebration

American Red Cross Blood Drive

June 29, 2023 and July 3, 2023 and July 5, 2023

9:00AM to 2:00PM

Council Bluffs Public Library

To schedule your appointment, please call 1-800-RED-CROSS or visit RedCrossBlood.org and enter: CBLibrary.

Walk the Bluffs

June 29, 2023

10:30 to 11:30AM

1st Ave. Trail (Cochran Park)

Council Bluffs Community Walking Club is free and open to everyone in our community. As with any new fitness program, please consult with a physician prior to attending and assume full responsibility for any risks, injuries, or damages, known or unknown, that might result from participating in this program. *dates/times subject to change.

More Information

Contact: Carrie Mcdonald

(712) 796-3621

carrie@firstrowfitness.com

Website

Hydrant Party!

June 29, 2023

1:30 to 2:30PM

River's Edge Park

The Council Bluffs Fire Department hosts hydrant parties throughout the summer on Tuesdays and Thursdays from 1:30 - 2:30 p.m. at various locations in Council Bluffs. Join them for some old fashioned summer fun! 

Thanks to Council Bluffs Water Works for providing the water and Centris Federal Credit Union for giving out frozen treats! 

More Information

Website

Farmers Market Council Bluffs

June 29, 2023

4:30 to 7:30PM

Bayliss Park

Shop, eat, and play all summer! Come check out Farmers Market Council Bluffs, now in its 14th season!

Taco Ride

June 29, 2023

5:00 to 11:00PM

Wabash Trace Nature Trail

The Taco Ride takes place every Thursday evening on the Wabash Trace Nature Trail, from Council Bluffs, Iowa to Mineola, Iowa, and back.

Writer's Workshop

June 29, 2023

6:30 to 8:00PM

Council Bluffs Public Library

Kick your writing up a notch! Join published freelance writer and creative novelist Kris Sinclair, and learn how to find your voice! She’ll offer tips for getting started and editing and improving your writing. Space is limited - Registration Required.

More Information

Contact: Marlys Lien

(712) 890-5427

mlien@councilbluffslibrary.org

Website

Live Music with Nolan Leonard Featuring Adam Lee

June 30, 2023

6:00 to 8:00PM

Ditmars Orchard & Vineyard

Stop out to get the BBQ party started and enjoy the music of Nolan Leonard Featuring Adam Lee- These guys sing old country music with a touch of rock thrown in as well. Free Entry- No Outside Food or Drink

More Information

Contact: Ashley Stange

(712) 355-1189

Info@ditmarsorchard.com

Website

Pop Shove It: A Tribute to Your Favorite Pop-Punk and Emo Bands

June 30, 2023

8:00PM

Maloney's Live

Omaha's premier cover band for your favorite skate punk, pop punk, and emo songs will be taking the stage at Maloney's for a high-energy show! They're gonna play all your favorites! $10 at the door. 8 pm show!

More Information

Contact: wendy bettin

(402) 216-5198

maloneysbooking@gmail.com

Website

River City Farmers Market

July 1, 2023

9:00AM to 12:00PM

YMCA Healthy Living Center parking lot

The River City Farmers Market is a family-friendly farm market that sells vegetables, baked goods, Tupperware, plus so much more. We have fresh in-season vegetables available each week, along with fresh baked breads and goodies. Honey, popcorn, jelly, BBQ sauce, dressings, salsas, mustards, plants including herbs and succulents, and hydroponic tomatoes.

More Information

Contact: Donna Brahms

(402) 677-2460

mbrahms@netins.net

Independence Day Community Celebration

July 2, 2023

12:00 to 3:00PM

Historic General Dodge House 

Please join us for our Annual Free Community Celebration! Come enjoy an      afternoon of live old-time music, free tours, free food and drink, and much more!

More Information

Contact: Michelle Hrdlicka

(712) 322-2406

gmdodge@dodgehouse.org

 Website