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Your Thanksgiving Newsletter is Here…

November 20, 2020 by cdiez Leave a Comment

Thanksgiving is right around the corner, and if you’re like me, you might be wondering how you can celebrate safely this year amid the pandemic…Many of us will forgo our usual traditions and spend this holiday away from our extended family and friends. But that doesn’t mean you can’t think outside of the box and create new traditions. This year is an opportunity to switch things up and show your family, friends, and community all of the ways that you’re thankful for them – even if it can’t be done in person. Below are a few creative ideas to help you celebrate Turkey Day, 2020-style.

This year, we are encouraged to celebrate Thanksgiving “al fresco”, as outdoor gatherings are deemed significantly safer than indoor ones. And with the forecast showing plenty of sunshine and a high of 63 degrees in the Sacramento area, it’s not totally out of the question. So grab some outdoor heaters, crank up that fire pit and throw on a sweater and warm attire for a memorable outdoor celebration. If you are celebrating with different households, create a potluck station where each household can take turns loading up on their favorite dishes. Check out some of the below essentials—from kitchenware to décor – for a successful outdoor gathering. You might find that you already have some of these items lying around the house…

If you are unable to celebrate with extended family and friends, consider organizing a virtual Thanksgiving experience with your loved ones. Not sure how to set up a Zoom call? Check out this helpful guide.

Recipe Swap: Participate in a Thanksgiving recipe swap, where you can share your favorite recipes, test them out and set up a Zoom call for a taste test challenge! You can easily exchange family recipes online using one of these existing Google Doc templates.

Game Night: Who loves game night? Host a virtual game night with these 10 kid-friendly games (Thanksgiving themed of course) that can be played easily from behind the screens. You can also make a game out of these Thanksgiving Trivia questions, where the winner receives an e-gift card or prize of your choice.

Macy’s Parade: For many of us, watching the Macy’s Thanksgiving Day Parade together is a favorite tradition, and this year they are going virtual. So why not go virtual as well and watch along with your extended family and friends using Zoom or FaceTime? Find out how you can tune in here.

Zoom Dinner: Last but certainly not least, consider hosting a virtual Thanksgiving dinner with loved ones that are not able to attend using Zoom or Facetime. Set up a call using your phone or laptop and share your meal as you normally would, go around the table and say what you are thankful for, catch up with the family…the possibilities are endless!

This Thanksgiving, it’s especially important to help those in need as many have been affected by this pandemic, both health-wise and financially. Below are some ways that you can donate your time, money, and resources to charitable organizations, businesses, and community members.

Support Our Local Restaurants: Many of our local restaurants are especially hurting during this time. Consider ordering takeout this year at one of your favorite spots. Check out Sac Bee’s list of restaurants that are offering delicious Thanksgiving feasts. OpenTable® also has a growing list of its own—see what made the list here.

Help Out a Neighbor in Need: Volunteer to go grocery shopping for a neighbor or friend who may be at-risk or elderly.

Donate to a Food Bank or Shelter: Find a local food kitchen or shelter that may need your help this year. Donate your time or money to the Sacramento Food Bank here or a local shelter here.

Give Back to our Furry Friends: Our furry friends need love too! Volunteer, donate, or adopt a pet at a local shelter, including The Sacramento SPCA or the Front Street Animal Shelter.

Run to Feed the Hungry (Virtual Event): Participate in the Sacramento Food Bank & Family Services’ first-ever, Virtual Run to Feed the Hungry event.

Meals on Wheels: Find a Meals on Wheels near you and sign up to volunteer. This widespread organization is committed to supporting our senior neighbors to live healthier and more nourished lives in their own homes.

Sending warm, heartfelt wishes from my home to yours this Thanksgiving!

7 Amenities for a Winter Wonderland…

November 3, 2020 by cdiez Leave a Comment

Putting your home on the market this winter? Set the stage by evoking a warm and welcoming vibe that makes would-be buyers want to hang up their coats, kick off their boots, and stay awhile. The following are amenities that prove winter really can be the most wonderful time of the year.

1. Fire pit

Create a covetable outdoor space with the help of a fire pit. Whether it’s made of stone and serves as a permanent fixture or is a movable and affordable centerpiece for backyard S’mores-making, adding the element of fire ups the charm factor immediately.

2. Hot tub

Wait, is this a home or a five-star resort? Watching steam rise from a frothy hot tub on a chilly afternoon or evening makes anyone want to move right in! Giving a place the spa treatment, will remind home-shoppers that with this luxurious item on the premises, winter can last as long as it likes.

3. Home theater

Especially during the winter, playing up the ability to have a blast indoors does wonders for buyers’ peace of mind (more so if they’re parents). A home theater, even on a smaller scale (think flat screen and an old-fashioned popcorn maker), helps visitors envision themselves and their families spending time indoors and in style.

4. Fireplace

It’s almost impossible to resist the hypnotic allure of a roaring fire. If a home has this feature, by all means, strike a match and watch that property heat up!

5. In-home wine bar

Baby, it’s cold outside — so why leave the house? This wine bar is one way to keep spirits merry and bright. It also conjures up thoughts of hosting holiday parties and gatherings as new owners envision celebrating and showing off their place.

6. Hot cocoa bar

On the other end of the spectrum, but no less festive, a hot cocoa bar offers a sweet welcome all ages can enjoy. Placed in the kitchen, dining room, family room, or foyer, this treat station makes you feel comfortable and right at home.

7. Highlight energy-efficient upgrades

In addition to being comfortable temperature-wise, if a home is as energy-efficient as possible, that’s something buyers will definitely want to know — and remember. Creating a list of any upgrades to windows, doors, HVAC units, and the roof, as well as the installation of energy-saving appliances, means more money in buyers’ pockets and less going out the window.

Cozy Up Your Outdoor Space This Fall

October 20, 2020 by cdiez Leave a Comment

In the midst of the pandemic, many people in the US spent more time enjoying their home’s outdoor space than ever before.

But as we move further into the fall, how can you adjust your space so you can still enjoy plenty of time outdoors—even as temperatures continue to drop?

A recent article from realtor.com outlined different ways to make your outdoor space more usable in colder weather, including:

Add a fire pit…A fire pit will not only make for a warmer outdoor space, but the fire also adds a cozy ambiance that can make your space feel more inviting in the colder months.

…or heat lamps. If you don’t want to have a fire pit in your backyard, you can also add extra heat with a few strategically placed heat lamps. For maximum warmth, make sure to arrange heat lamps near your seating area.

Add extra lighting. It doesn’t just get colder in the fall and winter months—it also gets darker. There are less hours of daylight during the fall and winter, so adding extra lighting to your outdoor space is a great way to make it usable all year-round—including on those days when the sun goes down at 4pm.

Just because the days get a little shorter and colder, doesn’t mean you can’t enjoy the outdoor portion of your home still!

Your October Newsletter is Here!

October 14, 2020 by cdiez Leave a Comment

Halloween will look a little different this year, but that doesn’t mean you can’t entertain your own ghosts and ghouls at home! Check out this month’s newsletter for some festive (and social distance approved) entertaining ideas, recipes, and tips that will haunt your loved ones for years to come…in a good way of course.

Enter if you dare! Try out these frighteningly fun decorating ideas to stop even the bravest member of your household dead in their tracks.

Attack of the Spiders

Spooky Apothecary Jars

Frightful Foyer

Bleeding Halloween Candles

Incorporate Spooky Plants

Monster Halloween Door

Tombstone Yard

Floating Witch Hat Luminaries

DIY Pumpkin Luminaries

Decorated Tree Branches

Buried Bannister

Specimen Jars

Plaster Hands

DIY Witch Leg Chandelier

Don’t leave your guests rolling in their graves all because of a bad music playlist…Try out one of the below Halloween playlists to match the occasion!

Y ouTube Halloween Hits from the 80’s

Disney’s “This is Halloween” Playlist

Spotify Halloween Playlists

Pandora Halloween Playlist

Grab the popcorn, cozy blankets and turn on your favorite Halloween flick on one of the below streaming services!

You don’t need a spell to whip up some delicious “boos”. These creative concoctions (and fun mocktails) will get everyone into the holiday spirit in no time!

Adult Cocktails –

Potion De Muerto Cocktail

Sweet Poison Cocktail

Smoking Blackberry Sage Margarita

Shimmery Liqueur Cocktail

Eye Ball Martini

The Vampire Cocktail

Halloween Pumpkin Punch

Black Sangria

Mr. Hyde Potion

Candy Corn Jello Shots

Bleeding Heart Martini

Purple Witches Brew

Shrunken Heads in Cider

Mocktails –

Hocus Pocus Halloween Fizz

Swamp Juice

Creepy Shirley Temples

Goosebumps Punch

Little Monster Mocktail

Pumpkin Butterbeer

Sparkling Pumpkin Pie Mocktail

Purple People Eater Punch

Slow Cooker Vampire Punch

Wondering what to brew up in the kitchen? See below for some serious food inspiration that will have your little monsters “dying” for seconds!

Jack-o-Lantern Pot Pies

Black and Blue Mac & Cheese

Spider Web Pizza

Eye Ball Pasta

Turkey Eyeballs

Halloween Stuffed Peppers

Pumpkin Bread Rolls

Pumpkin Chowder

Pumpkin Cannelloni with Sage Brown-Butter Sauce

Pumpkin Risotto in Hollowed-Out Pumpki n

Spooky Short Ribs

Cider Scalloped Potatoes with Smoked Gouda

Batty Chicken Wings

It’s all treats and no tricks here! From bewitching breadsticks to spider cookies, we have a delectable line-up of homemade appetizers and treats that are “to die” for.

Apps –

Puking Pumpkin

Mummy Dogs

Bewitching Breadsticks

Spooky Spider Deviled Eggs

Skull Veggie Platter

Elegant Meat & Cheese Board

Terrifying Skeleton Cheese Platter

Halloween Ghost Fruit Kabobs

Ghostbusters Green Slimed Popcorn

Halloweeno Poppers

Monster Munch Party Mix

Desserts –

Rice Krispie Treat Monsters

Dracula Dentures

Spider Web Cake

Hocus Pocus Inspired Smore Pops

Haunted Halloween Brownies

Jack O’ Lantern Bowls

Blood Drip Cupcakes

Mummy Apple Pie

Witch’s Hat Cupcakes

Graveyard Chocolate Cheesecake Dip

While large gatherings are discouraged during this time, you can still drop off some “parting” favors for your friends and family to remember for all of eternity… We’ve got you covered with some creative finds below.

DIY Halloween Smore Kit

Ghostly Grub Treat Bag

Witch’s Broom Favors

Monster Slime

Monster Cookie Kit

Bugs & Kisses Treat Bag (Include Hershey’s kisses)

DIY Candy Corn Hot Chocolate on a Stick

Trick-or-treating is going to look different this year due to the coronavirus pandemic, but that doesn’t mean you should hang up your costume just yet.

Trick-or-treating is not impossible under Sacramento County Public Health’s (SCPH) new guidelines. The county says that trick-or-treating with modifications will be the way to do it this year. Click here to learn more.

What your Credit Score Should Be to Buy a House?

September 24, 2020 by cdiez Leave a Comment

From my own experience, even what would be considered a “not great” credit score may still qualify to buy your dream home. What I have learned over the years is that each lender has different capabilities. There may be 10 lenders that won’t give you a loan based on a low credit score and another 10 that will.

Ashley Sutphin gives us a good update on credit scores and purchasing homes with a large range of scores.

What credit score do you need to get a home loan? While specifically, it can vary, there are certain things you should know before you apply for a mortgage to ensure you’ve put yourself in the best possible financial position.

Factors Impacting Your Credit Score

Before you explore specific loans, pull your credit report. You can look for errors that may need to be corrected and get a better idea of what you can do to improve it.

The factors that play a role in your credit score include:

• Payment history: This is the main factor of a credit score, making up about 35% of your score. Your payment history is simply whether you pay your bills on time or not. Any creditors you have will report your activity every month to major credit bureaus. One or two late payments probably won’t have a big impact, but a pattern of late payments will.

• Debt: The amount of debt you owe across the board makes up around 30% of your score. Debt is also called your credit utilization ratio, and it looks at how much debt you’re using versus what’s available to you.

• Credit age: Making up around 15% of your score is credit age. The longer you have accounts on your credit history the better, as long as they’re in good standing. If you have old accounts, keep them open if possible because this will affect your average credit age.

Other factors that are relevant in your score are your account mix, which is the type of credit accounts you have, and credit inquiries. Credit inquiries are pulls of your report that lenders do before extending financing.

Your credit score is important not only because it determines whether you get financing for a home, but also the interest rate you’re offered.

The following are typical ranges for credit scores:

• Anything below 580 is considered very poor• A fair score is one ranging from 580 to 669
• A good credit score might range from 670 to 739
• An excellent score is between 740 and 799
• Anything 800 and above is considered exceptional

Conventional Loans

If you’re applying for a conventional loan from a bank or a similar type of lender, you will usually need at least a 620 to qualify.

Conventional home loans follow Freddie Mac and Fannie Mae’s standards.

While 620 is the minimum, having that score doesn’t mean you’ll be approved for a home loan. An excellent score is usually considered 740 and above, and with an excellent score you’ll likely not only qualify for a conventional home loan but you’ll also get a competitive interest rate and you may have a lower down payment requirement.

VA Loans

The U.S. Department of Veterans Affairs insures VA loans. They’re available to certain servicemembers and veterans of the U.S. Military, as well as spouses of military members who died while on active duty.

The minimum credit score for a VA loan is likely to be around 620, although this can vary, and there’s no set minimum score.

FHA Loans

Insured by the Federal Housing Administration, FHA loans are less risky for lenders so you may find it’s easier to qualify. The minimum score for an FHA loan with a down payment of 3.5% is 580. If you’re paying at least 10% for your down payment, there’s no minimum required credit score.

If you have an FHA loan originated by a private lender, each will have its own minimum requirement for credit scores.

Click here for the rest of the article

Your 2020 Fall Activity Guide is Here!

September 18, 2020 by cdiez Leave a Comment

Get ready for sweater weather, football games, and of course, Pumpkin Spice Lattes…because fall officially kicks off next Tuesday, September 22nd! While we are unable to participate in many of the planned indoor events and activities due to Covid, there are still plenty of outdoor recreational activities and “social-distance” approved events that pay tribute to this beautiful season.

In need of some inspiration? Check out this month’s newsletter for some fun and festive ways to celebrate the fall season in and around the Sacramento area.

The time is ripe for a perfect fall outing! Pay a visit to one of these Apple picking locations. Before planning your visit, please review the safety measures that these Apple Hill Growers are taking to keep both visitors and workers safe.

Denver Dan’s Apple Patch

Goodness Orchard

Goyette’s North Canyon Ranch

24 Carrot Farm

While you’re in the area, you might want to check out one (or more) of Apple Hill’s “must visit” locations:

Johnny Appleseed Day: Celebrate Johnny Appleseed Day with special events and activities on Sunday, September 20^th at these participating locations.

High Hill Ranch: This popular location has a wide array of activities including a Craft Fair, fishing, pumpkin patch, wine tasting, an apple bar, bake shop and much more!

Rainbow Orchards: This location is home to world-famous hot apple cider donuts! Check out some of their other delicious desserts and pies here and their special events here.

North Canyon Cider Co: As their name suggests, this location is known for its award-winning hard cider! They are open weekends now through mid-November.

Fudge Factory Farm: Any chocolate lovers out there? Choose from an impressive selection of handmade fudge, and 15+ types of candy coated apples, homemade jams, fresh baked pies and more! Want to skip the line? Pre-order here.

Ponderosa Ridge Bed and Breakfast: Wanna get away? Wake up to beautiful views and three acres of apples that only guests can pick!

Go wine tasting “with a view” at one or more of the below vineyards where you can enjoy live music and delicious wine and food pairings. Please note that reservations are highly encouraged during this time. Be sure to check each website to reserve your table ahead of time.

Rancho Roble Vineyards

Scribner Bend Vineyards

Rucksack Cellars

Wise Villa Winery

Starfield Vineyards

Wofford Acres Vineyards

Boeger Winery

Cante Ao Vinho

Savor the fall season by supporting some of our local restaurants in the Sacramento area and beyond! Whether you are looking for a beautiful outdoor setting or fall-inspired dishes, these restaurants (categorized by cuisine type) won’t disappoint!

Italian Cuisine:

Obo’ Italian Table & Bar

Vaiano Trattoria

Visconti’s Ristorante

French Cuisine/Wine Bars:

Mexican/Spanish Cuisine:

American/California-Inspired Cuisine:

Wildwood

Delta King – Pilothouse Restaurant

Asian-Inspired Cuisine:

If you are not comfortable dining in at this time, you can still support our local restaurants and businesses by placing an order to go or by using a delivery app including Postmates and DoorDash.