Dubuque Iowa Real Estate

Back with the Agent: the Sit-Down Meeting

2011-11-29T13:29:00.001-08:00

If all went well at the first casual meeting, the agent has arranged a sit-down substantive meeting where both of you will get to know much more detailed information about each other. At this meeting the agent will outline the steps in buying a house and explain some of the forms and procedures you’ll encounter on the path to home ownership: inspection reports, the Seller’s Disclosure, handling of earnest money and more. The agent will want to learn as much as possible about your desired neighborhood(s), what type/size of house you want, and how much you are able to spend to get it. By now you should be pre-qualified by a loan officer so you know what you can afford, and the agent should be able to tell you if your wallet matches your wishes.

First Look at Financing

2011-11-14T10:58:00.000-08:00

Before seriously looking at homes you need to find out just what you can afford, and how much it’s going to cost you. As Realtors we want to be looking at homes just as much as you do—but first let’s take a quick look at the pre-approval process.

Pre-Qualifying: Conditional Loan Approval
At this stage your contact with a loan officer is likely to be just a couple of phone conversations, where you’ll give information about your income and debt (including all obligations), and you may be asked for permission to run a credit report. Based on this information the loan officer can issue a letter that specifies a certain mortgage amount for which you are conditionally pre-approved. When you find a home you will need this letter in order to make an offer.

Buyer’s Closing Costs
You don’t know the exact amount you’ll need for a mortgage yet, so the amount stated in the pre-approval letter is hypothetical, though within your qualifying limits. At this time you may ask the loan officer for a more detailed look at the costs of your hypothetical mortgage, and receive an estimate of closing costs. The estimate shows your down payment and monthly payment as well as the various charges that make up the buyer’s closing costs, including lender fees, title company fees, and state mortgage registration tax. Several months of pre-paid property taxes and property insurance (and the initial lump sum for FHA insurance) are also considered buyer’s closing costs, as they are put into your mortgage escrow at closing. We won’t take the time to further detail the buyer’s closing costs, but be aware that they can vary greatly from lender to lender, ranging from 2% to as much as 4% of a $200,000 loan. Some of this difference depends on the type of loan and the interest rate, but lender fees can vary greatly as well.

Financing Quick Points
We say again: when looking for a lender, it’s best to start with recommendations from real estate professionals who work with lenders every day. Your agent will know several trustworthy loan officers—and with all the complexity of mortgage banking you will need a loan officer you can trust.

Important caution: if you’re shopping around for a mortgage lender, be sure that you don’t allow every lender to check your credit. It actually will lower your credit score to have it checked too often. This isn’t a problem, however, if you check your credit yourself. Just be sure to use a service that will give you a FICO report (the type mortgage lenders use). Most lenders will accept your information to issue a conditional pre-approval, since it needs to be verified later for full loan approval anyway.
New lending regulations require that lenders re-check your credit a second time within 10 days of closing, so don’t plan on charging the furniture for your new castle (or the boat for the moat!) until after closing.

What Questions Do You Need To Ask In Order To Find The Right Realtor

2011-09-29T13:32:00.000-07:00

Take some time to learn about the agent and determine that he/she is competent, able to communicate directly and honestly with you, and can answer your questions openly. So what questions should you be asking, and when do you start? We say fire away as soon as you can, on the phone or in person or on the web, whenever you’re first making contact. Here are a few essential questions:
Do you work full-time at real estate?
Can you help us find the right loan officer and loan program?
Do you have enough time available to meet our needs?
Are you familiar with the areas we are interested in?
And the agent will likely have some questions for you, such as:
Have you already been pre-qualified by a loan officer?
Have you already been working with a Realtor?
What areas and type of home are you looking for?
If the answer to the agent’s question #1 is no, then the agent should suggest several loan officers who will be able to pre-qualify you right over the phone, so when you meet again you will know just how much you can spend on a home.

Selecting an Agent

2011-09-20T13:08:00.001-07:00

Most buyers begin the home-buying process by looking at open houses. Some don’t even know they’re interested in home ownership until they see a house that’s exciting to them.
And for some buyers, the important task of selecting an agent ends right there. Although few realize that the open house experience can be as much about finding an agent as it is about finding a house, that’s the way it works. If you click with the Realtor who greets you at the door you’ve accomplished a lot—since to find and buy the house you really want you’ll have to spend lots of time with this person. Others consciously choose an agent or company because they have seen multiple signs in a neighborhood they desire. We receive many emails from people who, after seeing our signs, checked us out online. And, of course, buyers are often referred to an agent from friends, family, or co-workers.

August Real Estate Statistics

2011-09-14T14:12:00.000-07:00

Buying a Home Getting Started - Start w/ the Real Estate Agent

2011-09-13T11:33:00.000-07:00

Buying a Home - Getting Started - Start with the Real Estate Agent

Of course you knew we would say the agent comes first—and we do, because a full-service real estate agent will be the pivotal person who helps coordinate the efforts of all the hard-working people you need to get into your new home. The agent can direct you to a good lender and loan officer, reputable home inspectors, title company, even movers and repair contractors. At Re/Max Advantage Realty we’re not obligated to recommend an in-house lender, nor are we compensated in any way—we use certain professionals simply because they perform the best. Starting with an agent you trust can save you lots of time, money and frustration, as many who have come to us can attest. For example, some buyers use the DIY approach of finding and committing to a lender online before working with an agent; yet in nearly all cases, local lenders that we actually work with can get you the loan faster, with better rates and more sensible underwriting. OK, you say, but how to find that all-important agent?

Dubuque Community Events August 11th to 15th

2011-08-10T09:46:00.001-07:00

Riverview BBQ

August 11, 2011 Alliant Amphitheater. This event will host hundreds of Tri-State Area residents at the Alliant Amphitheater along the Mississippi River. Guests will enjoy the setting sun while enjoying delicious food, live music, and a silent auction of "barbeque" baskets. Admission charged.
For more information, visit http://www.arcdbq.org/

Downtown Friday Night

August 12, 2011. Dyersville. Music, food and games for the kids and adults! Free admission.
For more information, visit www.dyersville.org

Mantastic Guyathlon

August 12, 2011 - August 14, 2011. On August 12 - 14, 2011 the Dubuque Regional Sports Commission will be hosting the first Mantastic Guyathlon. The Mantastic Guyathlon will include teams of 2 and some skill level if you wish, in one of three areas, golf, bowling and fishing. A perfect opportunity to participate in a weekend filled with pure competition and maybe even chance to prove just how manly you really are. Admission charged. For more information, visit www.traveldubuque.com

Rockin' on the River

August 12, 2011. Dubuque River Rides 500 E 3rd Street Dubuque IA 52001. 7:30-10:30pm
Tickets $15 in advance | $20 at the door. Cruise down the river while listening to your favorite band "1/2 Fast!" Spirits & food available. Admission charged. For more information, visit http://www.dubuqueriverrides.com

Summerfest Dubuque

August 12, 2011 Town Clock Plaza. Join us from 5-10 p.m. at the Town Clock Plaza for an evening of music, food and cold beverages. Proceeds from the event go towards the Education-to-Employment Grant program that supports students in the Tri-State area going into skilled occupations. Free admission. For more information, visit http://www.dalmc.com

Unwind in the Vines. August 12, 2011 Park Farm Winery
UNWIND IN THE VINES. Featuring the live music of jake bender. Benefitting Camp Albrecht Acres
Friday, August 12, 6pm – 9pm. $15 per person. Join us at Park Farm Winery for a relaxed evening of wine, music and Park Farm's new wood fired pizza. Park Farm will be donating 10% of the evenings Park Farm Winery bar and food sales back to Camp Albrecht Acres.

Park Farms Winery
15159 Thielen Road
Bankston, IA 52039

Admission charged.

Volunteer Clean Up at Swiss Valley Park

August 12, 2011 - August 13, 2011. Volunteers are needed to clean up the storm damage at Swiss Valley Park. The work days will be Friday, August 12th & Saturday, August 13th, 2011 from 7:00am-4:00pm. Volunteers should report to the front entrance to Swiss Valley Park to sign in with staff. It is recommended that volunteers bring gloves and sturdy work shoes or boots. Some rakes and shovels will be available but if volunteers bring hand tools, please clearly mark them.

We will be working on picking up debris, retrieving picnic tables, setting parking posts, picking up chunks of asphalt and raking wood chips. We will also send some volunteers to the Swiss Valley Nature Preserve to clear trails.

It is very important to have everyone check-in and out. I hope to see many of you there! Please pass this message along to others that may be interested and have a great day.

Children's Archeology Day

August 13, 2011

Effigy Mounds National Monument. Effigy Mounds National Monument's annual Children's Archeology Day will take place on August 13 from 1:00 to 3:00 p.m. at the visitor center on Highway 76. This year there will be pottery making, basket weaving, beading, American Indians games to make and play, prehistoric tools and weapons, and a sand box archeological dig on the lawn surrounding the
visitor center.

WHO: Effigy Mounds National Monument,
CONTACT: Merle Frommelt (563) 873-3491

WHAT: Children's Archeology Day

WHEN: Saturday, August 13, 2011 from 1:00 p.m. to 3:00 p.m.

WHERE: Visitor Center - Effigy Mounds National Monument
151 Highway 76, Harpers Ferry, IA

Children's Archeology Day at Effigy Mounds National Monument

August 13, 2011

Effigy Mounds National Monument's annual Children's Archeology Day will take place on August 13 from 1:00 to 3:00 p.m. at the monument visitor center.

There will be many activities taking place on the lawn and in the visitor center including pottery making, basket weaving, beading, Native American games to make and play, prehistoric tools and weapons display, and a sand box archeological dig for the children.

The last Junior Ranger Saturday hike will be held at 1:00 p.m. on August 20. There will be a hike and an opportunity to earn a Junior Ranger Day patch. Effigy Mounds National Monument preserves prehistoric American Indian burial and ceremonial mounds, including some in the shape of animals. The monument's main entrance is located three miles north of Marquette, Iowa, and 22 miles south of Waukon, Iowa, on HWY 76. For more information, call (563) 873-3491 or visit the park's website at www.nps.gov/efmo.

MacBride Raptor Center

August 13, 2011 The Mines of Spain Recreation Area will the MacBride Raptor Center at the E. B. Lyons Interpretive Center on August 13. The program will start at 1:00 pm in the centers auditorium. McBride Raptor Center is located at the McBride Recreation Area at Solon Iowa and is operated by th e University of Iowa and Kirkwood Community College. The Macbride Raptor Project or "MRP" is a nonprofit organization devoted to the preservation of Iowa's raptors and their natural habitats. They achieve their goals through the rehabilitation of sick and injured raptors, educational programs for the public, and field research of Iowa's native birds of prey. The raptor center will bring live raptors and will feature a hawk and an owl. The presenter will provide information on raptors, how they live, where you can find them, how do you tell them apart. The program will be held inside and will be a good opportunity for you to learn about raptors. Raptors are majestic, wild, beautiful and mysterious creatures. They appear in our myths, legends, and art as powerful symbols of natural forces. The graceful soaring of an eagle, the swift descent of a falcon, and the moonlit silhouette of an owl thrills us. These images are an important part of our natural heritage often uplifting and inspiring the human spirit. Even more significant, however, is the importance of raptors to the well being of the natural ecosystem. As predators, they perform the essential role of helping to keep prey populations in balance with food supply. On agricultural lands, a hawk or owl is a valuable ally, saving the farmer hundreds of dollars each year in crop damage caused by rodents. Elsewhere, the raptor is an important link in the food chain and an indicator of environmental quality.
Come see live animals and learn why they are so important in the environment. For more information on the Mines of Spain Recreation Area please call the E. B. Lyons Interpretive Center at 563-556-0620. Additional program schedules can be found at the parks website, www.minesofspain.org.

The Saturdays of Summer – Artists Take Over the Porch!

August 13, 2011

Aug 13 – Amber Ruden; sterling silver jewelry. Outside the Lines Art Gallery located at 409 Bluff Street in Dubuque

Family Fun Day

August 14, 2011. Heritage Manor. Join us from 1:30-3:30! It's free to the public Bring the kids or grandkids and spend the afternoon playing games and having fun with the family! We will be providing food, games, and prizes for all ages! Free admission. For more information, visit www.heritagemanoronline.com

Free Concert in Jackson Park

August 14, 2011 - August 15, 2011

The Downtown Neighborhood Council, Valley View Neighborhood Association, Multi-Cultural Family Center, St. Mark Community Center and the Leisure Services Department are sponsoring a free concert on Sunday, August 14th in Jackson Park, 15th and Main Streets, from 6:00 to 8:00 p.m.
Hot dogs and beverages will be provided free of charge. For further information, contact the Leisure Services Department at 563-589-4263 or email us at parkrec@cityofdubuque.org.

Mud Lake Bluegrass

August 14, 2011 . August 14th-Bluegrass Boys Reunion- For our 10th anniversary we wanted to pay tribute to the man who inspired us, as well as all the musicians and fans who love Bluegrass music. That would be the "father of bluegrass" Bill Monroe. We can't have Bill, for what would be his 100th birthday, but we did put together a onetime only group of his former band members; The Bluegrass Boys. The group will consist of Tom Ewing (guitar and Monroe historian), Bob Black (banjo), Mark Embry (bass), and friends Brian Ray (mandolin), and Paul Keinutz (fiddle). Here is a rare chance to hear Bluegrass played the way Monroe would have done it. Performed by his former band members!

Music in Jackson Park

August 14, 2011. 15th and main street. Join us for free music, refreshments and children's activities!
Feature music by The Collective: Milwaukee-based playing R & B, jazz and rock! Time: 6:00-8:00 PM, August 14, 2011 Sunday. Free admission. For more information, visit Mfcdbq.org

Music in Jackson Park. August 14, 2011. 15th and main street. Join us for free music, refreshments and children's activities! Feature music by The Collective: Milwaukee-based playing R & B, jazz and rock! Free admission. For more information, visit Mfcdbq.org

Music in the Grape Vines. August 14, 2011

Grape Vines Winery 45062 17th Street Preston, Iowa Grape Vines Winery features Music in the Grape Vines. 1:00pm-6:00pm with music from 3-pm to 6pm. Free admission. For more information, visit http://www.bellevueia.com

Outdoor Way of the Cross

August 14, 2011. St. Donatus Catholic Church. Outdoor Way of the Cross at St. Donatus Catholic Church- 97 East 1st Street, St. Donatus. Mass at 8:30 am with Way of the Cross at 9:30 am. Cookies and coffee following. Free admission. For more information, visit http://www.bellevueia.com

Sutton Pool - Last Day for 2011 Season and Doggie Dip.

August 14, 2011 - August 15, 2011

The closing date for the season for Sutton Pool is Sunday, August 14th. Hours that day are: adult lap swim and waterwalking 11:00 a.m. to 12:55 p.m.; open swim from 1:00 to 5:00 p.m.; and adult lap swim and waterwalking from 5:15 to 6:15 p.m.

Following the final day of public swimming, the family dog is invited to take a dip in Sutton Pool on Monday evening, August 15th from 5:30 to 7:30 p.m. The $5.00 admission fee per dog includes access for immediate family members. Flora Pool will remain open through Sunday, August 21st.
For further information, contact the Leisure Services Department at 563-589-4263 or email us at parkrec@cityofdubuque.org.

Dubuque Events for Friday – August 5, 2011

2011-08-04T10:38:00.001-07:00

"The Sweet Land: Landscape Photography"

August 5, 2011 - August 31, 2011

Great River Gallery 116 N Riverview Bellevue

Photography exhibit featuring scenic by-way photographer Ken West

Free admission.
For more information, visit http://www.bellevueia.com

Nunset Boulevard

August 5, 2011 - August 28, 2011

Bell Tower Theater

The ever-popular Little Sisters of Hoboken have been invited to sing at the Hollywood Bowl. They are thrilled at the prospect until they arrive and realize that they are booked into the Hollywood Bowl-A-Rama—a bowling alley—not the famed "Bowl" they were planning on. But, the show must go on so "California, here we come."

Admission charged.
For more information, visit http://www.belltowertheater.net

Rock n' Roll Rewind

August 5, 2011 - August 6, 2011

Mississippi Moon Bar

Two day event featuring twenty Dubuque Rock Veterans playing rock & roll music to benefit Camp Albrecht Acres. Friday, August 5, 5pm - 11:30pm $7
Saturday August 6, 1pm - 12:30am $10
Tickets for both days $15. Available at the door or at all Hartig Drug Stores

Admission charged.
For more information, visit http://albrechtacres.org

How to choose a real estate agent

2011-08-04T10:34:00.001-07:00

If you're buying or selling a home, a top-notch real estate agent canbe your biggest asset. Choose the wrong one, and you could wind up regretting it big down the road.

"Real estate has always been a mark of independence and freedom in this country," says Donald R. Brenner, professor emeritus at American University. "Owning property is very important, and when you deal with someone who is going to help you buy or sell a piece of property, you'd better find someone that knows what they're doing."

Don't embark on your buying or selling journey without an expert on your side. Our basic tips will get you on the road to finding the right agent for your needs:

Find an agent before you begin looking at homes. People rarely buy the first house they look at, but are often stuck working with that first agent even after walking away from the deal. If you select your agent before you start looking, on the other hand, you'll know he or she understands your needs and wants and can meet your expectations.
Ask friends and coworkers for referrals. People you know can provide a good starting point, by recommending agents who've already proved themselves. Don't make your decision based only on a recommendation, but use them to gather names.
Choose the agency first. Choose the firm based on their local reputation (not a national reputation, as with a well-known franchise).
Choose an agent who handles homes in your price range. Some agents specialize in high-end houses or in low-budget properties. Each of these agents may not be able to do the best job for you if you're looking for a home in another price range.
Choose an agent who will provide other services. Their help is invaluable when it comes to arranging house inspections, finding a real estate attorney or conducting a study of the property's value.
Choose an agent you get along with. This seems like a no-brainer, but you'd be surprised. It's important that you be able to work with your agent. Make sure he or she takes the time to explain things you don't understand, works on your time schedule, and whose personality clicks well with you.

US Census – Dubuque Area Statistics

2011-07-28T14:43:00.001-07:00

July 28, 2011

US Census Bureau recently released household statistics for Illinois, Iowa & Wisconsin.

4,836,972 Households in Illinois. 2,279,768 households in Wisconsin & 1,221,576 in Iowa

36,815 Households in Dubuque County. 2,877 Dubuque households featuring a female age 65 or older living alone (7.8 percent) Iowa's statewide average is 8.1. 2,160 Dubuque households headed by a single female with children. The county's rate of 5.9 percent mirrors Iowa's state average.

2.99 people – average family size.

German Organist Plays July 27th Concert - July 27, 2011

2011-07-26T09:41:00.001-07:00

SINSINAWA, Wis.—On Wednesday, July 27, Gerhard Weinberger of Detmold, Germany, comes to Sinsinawa Mound to play the free Summer Organ Concert at 7 p.m. Weinberger, who has given recitals throughout Europe, Asia, and America, is professor of organ and director of the church music department at the College of Music in Detmold. His wide repertoire ranges from pre-Baroque to music of the 20th century, with a special emphasis on the works of J. S. Bach and Max Reger. Weinberger has published editions of 18th-century organ and choral works, including the first complete scientific edition of organ works of the eminent Bach pupil Johann Ludwig Krebs and the organ works of Robert Schumann. With Ewald Kooiman and Hermann J. Busch, he coauthored a book about the interpretation of the organ music of Bach. Weinberger studied organ with Franz Lehrndorfer at the Munich College of Music, Munich, Germany.

For more information, contact Sister Marie Juan Maney, OP, at (608) 748-4411, ext. 807, or visit our website at www.sinsinawa.org. Sinsinawa Mound, the Motherhouse for the Sinsinawa Dominican Sisters, is located in southwest Wisconsin on County Road Z, off Highway 11, about five miles northeast of Dubuque.

June Home Sales Remain Steady

2011-07-25T07:58:00.001-07:00

The Dubuque Board of REALTORS reports the number of home sales in June 2011 increased 12.25% percent over May 2011. According to the Dubuque Multiple Listings Service's (DMLS) 2011 Residential Housing Report, 125 homes were sold in the Tri-State Area in June 2011 up from 102 in May 2011. 159 Homes were sold in June 2010. Average are home prices decreased 2 percent in June 2011 ($148,705) over same time 2010 ($151,848).

"We have seen a steady increase in sales each month since the beginning of the year" says Dubuque Board of Realtors President Jeff Hefel. "Although sales lag behind those of 2010, we attribute that to an uncharacteristic spike in sales during the first two quarters of 2010 when area homeowners took advantage of the federal tax credit. Interest rates remain low & it continues to be a great time to buy a home."

Dubuque Multiple Listing Service's Residential Housing Report

# of Sales Avg Sale Price

May 2011 102 $173,895

June 2011 125 $148,705

June 2010 159 $151,848

The DMLS Residential Housing Report is compiled at the end of each month. Data is collected from local Dubuque Board of REALTORS offices that enter sales data into the DMLS. Reports are available to DMLS members with a login & password.

** This article was printed in the Dubuque Telegraph Herald Sunday, July 24, 2011.**

Events in Dubuque – July 22 – 24

2011-07-22T13:47:00.001-07:00

American Red Cross 2nd Annual Glow Ball July 22, 2011 Lacoma Golf Course
This fun event is a 4 person best shot that takes place in the evening with the use of glow sticks to direct the golfers. It will be a spectacle of glow on each and every hole! Admission charged.
For more information, visit http://www.arcdbq.org

Glow BallJuly 22, 2011 Lacoma Golf Course - 8080 Timmerman Drive, East Dubuque, IL

Glow Ball is an After-dark Golf Game for everyone to enjoy! $50 per person if registired before July 15th. $55 per person day of. Glow Wear, Dinner before Golf and Prizes included!Admission charged.
For more information, visit http://www.arcdbq.org/

Murder Mystery Dinner CruiseJuly 22, 2011 Dubuque River Rides 500 E 3rd Street Dubuque IA 52001

"Who done it?" It's for us to know and you to find out during this unique river excursion aboard the Miss Dubuque! Admission charged. For more information, visit http://www.dubuqueriverrides.com

Ski Bellevue Ski Show July 22, 2011 Downtown Bellevue - Watch Ski Bellevue perform on the Mississippi River Free admission. For more information, visit http://www.bellevueia.com

Ski Bellevue Water Ski Show.July 22, 2011 Downtown Bellevue, IA!

Ski Bellevue performs 6 shows a year in downtown Bellevue. Our shows are great family entertainment including acts such as pyramids, doubles, barefooting, female ballet, wakeboarding, and much more! Check us out our summer schedule at www.skibellevue.com!Free admission.
For more information, visit www.skibellevue.com

World of Science - Many Countries from Mad Science of Iowa July 22, 2011

Carnegie-Stout Public Library. This program is dedicated to famous scientists from around the world and stories behind their success. Ages 6 and up. Please register by calling the Library at 563-589-4225 and asking for the Youth Services Help Desk at extension 2228. 10:00am and 1:00pm.
Free admission. For more information, visit http://www.dubuque.lib.ia.us

Gourd Art III: Making a Spirit Doll. July 23, 2011 Sinsinawa Mound
Participants in this workshop will learn how to make spirit dolls from gourds. Leader Terri Schmit teaches gourd art throughout the Midwest and has exhibited her works in Madison at the Overture Center for the Arts, Olbrich Botanical Gardens, and the Madison Museum of Contemporary Art as well as at Long Branch Gallery in Mineral Point. She is best known for founding the Wisconsin Gourd Society and organizing their annual spring festival at Olbrich Botanical Gardens. Schmit is thrilled to share her knowledge of gourds, from growing to fine art, and encourages others to explore their inner artist. To view some of her art online, go to www.thegourdgirl.com. Admission charged. For more information, visit http://www.sinsinawa.org

High School-Age Pool Party at Sutton Pool July 23, 2011 Come enjoy the pool at our Leisure Services Department HIGH SCHOOL-AGE POOL PARTY. High school-age students are invited to a pool party that includes a DJ providing music, games, contests and pool activities. The party meets from 7:00 to 9:00 p.m. on Saturday, July 23rd at Sutton Pool. Pool admission fees apply. For more information, please call the Leisure Services Department at 563-589-4263 or email us at parkrec@cityofdubuque.org.

Iowa State Insect Zoo July 23, 2011 The Mines of Spain Recreation Area will be holding an insect zoo at the E. B. Lyons Interpretive Center on July 23. Iowa State is bringing the zoo that is small enough to travel to you to the Mines of Spain. Come see all of our creepy crawly friends and learn that these creatures are not as scary as they look. The zoo will only be here for an hour, so take advantage of this short lived opportunity. For more information about this program, other programs, or the Mines of Spain Recreation Area please call the E. B. Lyons Interpretive Center at 563-556-0620. Additional program schedules can be found at the parks website, www.minesofspain.org. Be brave and come hold some very large insects and learn about the value of them. For more information on this press release please contact the park office at 563-556-0620.
Wayne Buchholtz/Park Ranger

The Big Duffer Hospice Golf Outing July 23, 2011 Lacoma Golf Course. Do you have fond memories of someone who was special to you, loved the game of golf and whose life journey was made easier by Hospice of Dubuque? Get your family together and sponsor the life of someone special to you by attending the Hospice of Dubuque Big Duffer Golf Outing on Saturday, July 23, at Lacoma Golf Course. Admission charged. For more information, visit www.hospiceofdubuque.org

The Saturdays of Summer – Artists Take Over the Porch! July 23, 2011

July 23 – Roseann Derks; watercolor painting. Outside the Lines Art Gallery located at 409 Bluff Street in Dubuque.

Monarch Moments. July 24, 2011 Dubuque Arboretum, West 32nd St., Dubuque, IA
Please join us as we honor those touched by Alzheimer's and Related Dementias, - A Butterfly Release - A Service of Healing and Remembrance, Celebrating the Beauty of Living in the Moment!Donations accepted. Free admission.

Mud Lake Bluegrass July 24, 2011 July 24th-Bluegrass Addiction-Touring since 1991 this southern Iowa group has teamed up with a couple of pickers from northern Missouri to become one of the best four piece bands in the mid-west. Opening the show will be the Free for the Haulin Band.

If I Sell My Home, Will I Have to Pay Capital Gains Tax?

2011-07-19T09:31:00.001-07:00

The IRS permits a maximum exclusion on capital gain of $250,000 for individuals and $500,000 for married couples filing a joint return who sell their home, but of course some conditions apply.

For the five-year timeframe prior to the date of the sale of your primary residence, you must meet the Ownership and Use Tests the IRS provides in Publication 523, Selling Your Home. These rules ensure you have owned the home for at least two years, and lived in the home for at least 24 months out of the last five years. Additionally, you may not have excluded a gain on your taxes from the sale of a different home within the last two years. Note that if you sell your property for less than your original purchase price, you cannot claim a capital loss.

A 'reduced maximum exclusion' can apply to those who must sell their home due to a change in their place of employment, health issues, or unforeseen circumstances that affect qualified individuals. In all cases, it is best to consult your tax professional or IRS guidelines if you have any questions about the taxes you may be responsible for if you sell your home.

**Provided by Premier Bank – Dubuque IA

A little known gem only 15 minutes from Dubuque, Located in Galena

2011-07-18T10:36:00.001-07:00

Just wanted to share with everyone a delightful place I had the pleasure of dining at this weekend. The Goldmoor Inn. The Goldmoor Inn, a Galena, Illinois bed and breakfast, and Aaron's Cottages and Cabins sit high atop the bluffs overlooking the majestic Mississippi River. They also have fine dining available to non-guests. It was very beautiful and I would recommend for a special occasion. The food, dining experience, service, and setting were all wonderful! For those that are not familiar with Dubuque. Galena is only a 15 minute drive from Dubuque and I found it to be a wonderful get away for the evening. http://www.goldmoor.com/index.htm

Planet Patrol: The Case of the Broken Loop - July 19, 2011

2011-07-18T10:30:00.001-07:00

July 19, 2011

Multicultural Family Center, 1157 Central Ave. Family Environmental Program. Topic: importance of recycling and proper disposal. Dinner provided and registration is required. Free event. Free admission. For more information, visit Mfcdbq.org

July 16th & 17th events in Dubuque

2011-07-15T10:58:00.001-07:00

2011 Lightning Fest Car Show

July 16, 2011

Dyersville, IA

On Saturday July 17, the JL Design Team will hold their annual Lightning Fest car show in the RC2 parking lot. The show is FREE to enter and attend! It will be judged by the JL Team with Trophies awarded for Best of Show, Best Engine, Best Paint, Best Interior, Best Display, Best GM, Best Mopar and Best Ford. The show will take place rain or shine from 2-5pm.
Pre-register to receive an exclusive Johnny Lightning goody bag with die cast car. To register email: jllightning@gmail.com
Don't miss the presentation of trophies at 4pm!

Free admission.
For more information, visit www.johnnylightning.com

Ding Darling Day

July 16, 2011

National Mississippi River Museum & Aquarium

Conservation partners join us for free exhibitions in the boatyard. There will be lots of hands-on activities, live animal programs, educational booths, and more!

Free admission.
For more information, visit http://www.rivermuseum.com

Dubuque Duathlon

July 16, 2011

Chavenelle Road

The Dubuque Duathlon scheduled for Saturday, July 16, features a 1.2 mile run, 17 mile bike and 3 mile run. Competitive or non-competitive, the Dubuque Duathlon welcomes anyone and everyone. visit www.traveldubuque.com for more information.

Admission charged.
For more information, visit www.traveldubuque.com

Eastern Iowa Wine Fest

July 16, 2011

Black Horse Inn in Sherrill

Toast the grape industry and raise your glass to Iowa's Finest Vintages held on the grounds of the historic Black Horse Inn at Sherrill, Iowa. This is an "All Iowa" event featuring Iowa wines from across eastern Iowa.

Admission charged.
For more information, visit www.easterniowawinefestival.com

New York Life 1st Annual Ice Cream Social

July 16, 2011

890 Main St., Dubuque, IA

Stop by New York Life, located at 890 Main St, next to Graham's Style Store, for our 1st Annual Ice Cream Social! Event will be held from 11:00 - 1:00 on Saturday, July 16. Bring your friends and family! Hope to see you there!

Free admission.

The Saturdays of Summer – Artists Take Over the Porch!

July 16, 2011

July 16 – Sharon Krapfl; watercolor painting

Outside the Lines Art Gallery located at 409 Bluff Street.

Stand Up Paddleboarding Demo

July 17, 2011

Galena, Illinois

Have you ever walked on water? Well now you can experience that on a Stand up Paddleboard.
Join us for Stand up Paddle Board demos and learn the basics of this hot new watersport.
Price is $10 cash per person and includes a 15-10 minute session. Reservations are not required.
Minimum age 10. Wear your swimsuit and quick dry shorts. You might get wet whether you want to or not.

Admission charged.
For more information, visit www.feverriveroutfitters.com

Additional Dubuque Activities for July 15, 2011

2011-07-15T10:51:00.001-07:00

Magic Tree House Program

July 15, 2011

Carnegie-Stout Public Library

Games, crafts and fun as we explore many cultures from our "treehouse" just like Jack and Annie have during their adventures. Ages 6-9. Register one week in advance by calling the Library at 563-589-4225 and asking for the Youth Services Help Desk at extension 2228. 10:00am and 2:00pm.

Free admission.
For more information, visit http://www.dubuque.lib.ia.us

Singin' in the Rain

July 15, 2011 - July 31, 2011

Grand Opera House

The new stage version of the most popular movie musical of all-time. Great popular standards – wonderful dancing – amazing special effects. Yes, you will see it rain on stage. Produced by the Grand with the same award winning production staff you enjoyed last summer with "Chicago."

Admission charged.
For more information, visit http://www.thegrandoperahouse.com

Dubuque.....and All That Jazz July 15, 2011

2011-07-15T10:48:00.001-07:00

Under the Town Clock

Join us for The Business. Concert is held under the Town Clock on Friday evenings, 5-9:30 p.m. Food and beverages begin at 5 p.m. with music from 5:30-9:30 p.m. For more information, contact Dubuque Main Street at 563-588-4400 or visit www.dubuquemainstreet.org.

Free admission.
For more information, visit http://www.dubuquemainstreet.org

Dubuque & Statewide Activity Report

2011-07-14T11:36:00.001-07:00

Locally, the Iowa Association of REALTORS® (IAR) reports that the number of pending home sales was up 5.6% in May 2011 compared to pending sales in May 2010. However, the key issue for many sellers is that prices have not significantly appreciated and have held relatively steady over the last 5 years. The IAR report indicates that May home prices have increased only 0.8% over the last 5 years (due in part to nationwide economic issues) but over the last 10 years Iowa home prices have actually appreciated around 19.8%, in spite of the economic troubles of the last few years.

The fact that prices haven't significantly appreciated in recent years has caused reluctance among sellers to accept a lower price for a home. This has resulted in many homes on the market, meaning that buyers have lots of choices when looking for a home. Coupled with very low interest rates, now might be a good time to buy for anyone looking to live in an area for at least 3-5 years or longer

Selling a Home in Dubuque, IA Successfully Marketing Your Home Online

2011-07-12T11:06:00.001-07:00

Selling a home in Dubuque, IA is always an important task that has a lot of risks and rewards involved with it.

With more than 89% of home buyers using the internet to do research and look at homes, the online marketing of homes for sale in Dubuque, IA is critical.

In this article we will look at the 3 most important factors in online marketing of real estate and how they can be used to better market your property and get more people to contact your agent and then physically see your home.

According to the National Association of Realtors 2010 Profile of Home Buyers and Sellers, the 3 most important features of a real estate website for buyers are:

Photos of your home
Detailed information of your home
A Virtual Tour of your home

The key to successfully marketing your home online is to get potential buyers off the computer and into your home is using proven strategies of online marketing that are so often missing in real estate!

The first goal is to get buyers to contact your agent about your home; the second goal is to get buyers to contact your agent period so that the agent can schedule a showing of your home with the buyer.

Marketing Your Home to attract buyers

Make sure that good pictures of your home are taken so that when buyers see your home online, that the pictures show your home to its' fullest potential. Tips for this include to make sure that there is good outside lighting and that interior lights are turned on, that everything is picked up so that there is no clutter in the kitchen, bathrooms, living room, etc. and that multiple pictures are taken of every room so that the best of each can be selected for the marketing of your home.
Be sure that all the details of your home are given to your Realtor and that they use this in their marketing. More and more, buyers want information and data, and making sure your Realtor and buyers have all the information and data for your home is critical.

Bring both the great photos and information about your home alive by having a virtual tour created that lets buyers get a sense of your home in a way that is impossible except to actually be there themselves.

A serious flaw that most Realtors make when creating a virtual tour is including music with it!

Many people look at homes while at work or while doing other things, and having unwanted music blasting over their computer while they are just trying to look at the photos and information of your home is a great way to lose them immediately the one time they will see your home's photos and information! Do not risk getting the dreaded back button clicked or the internet browser closed all together during the best opportunity you have for showing off your home to potential buyers.

Get on the Buyers Short List….or at least get them to contact your agent!

Buyers will look at hundreds of homes online and it is impossible for them to see every one of them, even ones that might be exactly what they are looking for. By the time even a short number of homes have been viewed, it is easy for buyers to miss the fact that your home is one they should schedule a viewing with to see!

This is where using the principals of online marketing can help sell your home.

By offering buyers more information they likely want, your agent can get buyers to contact them and then schedule a showing with the buyer for your home. If the buyer never contacts your agent in the first place, then it is impossible for your agent to even attempt to schedule a showing of your property with potentially the perfect buyers!

This is why offers of other important information should always be made in the Virtual Tour and the other online marketing tools your Realtor uses.

Imagine a typical case of buyers looking at homes online in Dubuque, IA.

Having looked at 25 other homes for sale in Sarasota, FL, a buyer sees your home online, but is tired from seeing so many homes and quickly glances at a few pictures and almost instinctively clicks the 'next' button. Does this sound familiar?!

A way to get the buyer to stop and make contact with your agent is to make a number of offers for other information that will then allow your agent to schedule a showing of your property with the buyer.

Offers such as a list of homes for sale that meet their profile in Sarasota, FL, a free list of foreclosed homes for sale (buyers in all price points love deals and do not realize the issues with buying foreclosures and most quickly give up the notion and buy listed homes for resale), a home market analysis (most people selling are doing so to buy another!) and so on.

By combining good photos of your home with all the information about it and creating a virtual tour and then putting that virtual tour all over the internet via the MLS and other online marketing channels available to Realtors combined with additional offers prompting buyers to contact your agent, the process of selling your home can be made easier and faster than otherwise possible.

And since so few real estate professionals market homes this way, you will be at an advantage over all the other sellers currently in the market trying to sell their homes!

Investing in Real Estate: Income, Potential Long-Term Gains

2011-06-21T11:05:00.001-07:00

Conditions have rarely been better to add real estate to your investment portfolio. Most markets have plenty of affordable properties, interest rates remain historically low, and with homeownership rates declining, the market for rentals is increasingly strong.

Of course, conditions differ by market. Real estate investments may be more or less favorable depending on your locale. But if you're looking for a good return on investment with the potential to produce significant profit down the road, you owe it to yourself to look into real estate.

You also may realize tax advantages by investing in real estate; please check with your CPA or tax advisor for the details.

RE/MAX Broker/Owners in New York and British Columbia offer their perspective on investing in real estate:

Positive Cash Flow

"There's never been a better opportunity to have a positive cash flow with investment properties," says Nunzio Salafia of RE/MAX Plus in Rochester, N.Y.

"In my market, rental rates haven't declined at the same rate that prices and interest rates have. There are awesome deals out there. I own several properties myself, and the units are producing a strong income stream for me. If you can make money every day, it's far better than having money in a bank."

Investing in real estate isn't for neophytes, Salafia cautions. You should have real estate experience, a capable agent, and of course the financial wherewithal. Even branching out into an unfamiliar sector is problematic, he says.

"I'm not sure now is the time to take a chance with learning curves," he says. "For instance, if you have experience buying and selling single-family homes, investing in that sector would be smart. But you probably shouldn't be looking at commercial properties."

Diversify Your Portfolio

"Anybody who's investing in the stock market, or in bonds or other equities, should also be investing in real estate to give themselves a diverse portfolio," says Brian Naphtali, with RE/MAX Select Properties in Vancouver, British Columbia. "How does real estate compare to other investments? Favorably from an income point of view, and if you consider the capital gains real estate has seen in the last 20 years, then it's done very well.

"The thing about real estate is that even if values fluctuate, it still provides rental income. Real estate continues to be an excellent investment."

Naphtali advises anyone interested in real estate investing to start by speaking with a mortgage officer.

"This will help you quickly determine if you have the ability to more forward," he says. "Next, visit with a Realtor in your area who's knowledgeable in the investment market. He or she can help you identify the right property and purchase it at the right price."

Find a RE/MAX real estate investment specialist in your area (In the Residential Sub-Specialties field, check "Investments").

The advice offered here comes from sales associates affiliated with independently owned and operated RE/MAX real estate offices and may not be applicable to all areas. Contact an independent RE/MAX real estate agent near you for expertise tailored to your locale.

Movies At Comiskey Park

2011-06-14T10:59:00.001-07:00

Here is a great Community Event that Dubuque is putting on:

Movies at Comiskey Park

June 14, 2011

Comiskey Park

The Carnegie-Stout Public Library and the Multicultural Family Center will be turning Comiskey Park into and outdoor theater.
June 14 - Mulan
start time is approximately 8:45 p.m.

Free admission.
For more information, visit www.dubuque.lib.ia.us

5 Steps for Getting Ready to Buy

2011-06-13T14:07:00.001-07:00

Step: 1. Find a Local Lender You Can Talk To in Person
Local lenders understand your market and know of loan programs that might be beneficial to you.

Check with your lender on any local programs that might help with closing costs or in other ways. Even though the media have pronounced the 100-percent-financing option dead, this is not always the case. Check it out for yourself and then get preapproved for a loan so you know how much house you're able to buy.

Step 2. Be Specific in the Area You Want To Live
Educate yourself. Familiarize yourself with the neighborhoods you're interested in, the taxes and school districts. This not only helps you narrow down your search when you need to move fast, but also helps you figure out potential mortgage payments. Find a home in your desired neighborhoods.

Step 3. Find an Agent Specializing in the Area You Want to Live
This will save you time and effort. Once you've identified a real estate agent, trust him or her to do the job. Agents who are thriving in this challenging market have proven their worth. They have the resources and skills to help you find your next home.

Step 4. Don't Shy Away From Houses That Need Some Work
Just because a house needs some paint or cosmetic fixes doesn't mean it's not a good buy. Most real estate agents have an address book full of trusted businesses they work with to help you fix up your new home. There's a HUD program known as 203(k) that enables you to fold repair money into a primary mortgage; ask a RE/MAX agent in your market about the program.

Read more about the 203(k) program.

Step 5. Be Prepared To Act
Sometimes the first home you see is the right one for you. Don't discount it. Remember, good deals still go fast. Take advantage of the electronic tools your real estate agent has to offer. In many instances, real estate agents have access to better information than what you can find in a standard Internet search.

Tips on Selling Your Home in Dubuque Iowa

2011-03-28T12:17:00.000-07:00

Hire a REALTOR®

Studies show that homesellers who use a REALTOR® to represent them generally get a better price than those who sell the home themselves. REALTORS® are up-to-date on critical processes and can help keep you out of trouble. They can also help you get your home sold at the best price in the right timeframe.

Equally as important, REALTORS® add objectivity to an inherently emotional transaction: the sale of your home.

To locate a RE/MAX Sales Associate, visit the Find An Agent area of remax.com.

Before Your Home Is Listed

It's important to have your home in good showing condition before buyers start going through it. Here are some steps to take:

Touch up interior and exterior paint as needed.
Install new carpeting and flooring if it appears worn or dated.
Make sure the front is clean and spruced up – curb appeal will create a favorable first impression.
Trim bushes and plants as needed, and make sure the lawn is kept mowed and trimmed. In autumn, rake the leaves; in winter, keep the snow shoveled.
Keep the interior clean, decluttered and odor-free. Eliminate evidence of pets.
Minimize personal items such as family photos. You want buyers to see themselves living in the home.
Consider putting excess furniture and belongings in storage. Now's the time to clean out the garage and basement and sell, give away or throw away items you don't need anymore.
Consider having a pre-listing inspection performed. Buyers will be hiring professional inspectors; here's your chance to address problems in advance.
Consider engaging a professional stager to give your home the right emotional appeal.

During the Listing Period

§ When potential buyers visit your home, either be absent or make yourselves as inconspicuous as possible.

§ Have fresh flowers in the entryway. It makes for a friendly introduction into your home.

§ If offers are made that don't match your hoped-for price, don't reject them out of hand. Pay attention to your agent's advice.

§ Consider dropping the price if several months go by with few or no offers. But if you and your agent have priced your home properly from the start, this shouldn't be necessary.

§ Don't get discouraged. In buyer's markets, homes take longer to sell than during boom times. Your home will eventually sell; it's a matter of your RE/MAX agent finding the right buyer for you.

Help Your Agent

You have the best chance of selling your home if you work closely with your RE/MAX agent. Make sure all showings are coordinated through him or her. If you have a brochure box, be sure to keep it filled.

If prospective buyers want to discuss your property or negotiate price or other terms, defer to your RE/MAX agent. He or she is the expert and can best handle all these details without emotion.