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    <title>Bella Homes of Iowa</title>
    <link>https://www.bellahomesiowa.com</link>
    <description>The latest news from an award winning custom home builder in Central Iowa.</description>
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      <title>Bella Homes of Iowa</title>
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      <link>https://www.bellahomesiowa.com</link>
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      <title>Bella Homes Receives Economic Impact Award</title>
      <link>https://www.bellahomesiowa.com/bella-homes</link>
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           Bella Homes is honored to receive recognition for the impact they're making in the huxley community.
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           In December 2021, Chris Gardner, Owner of Bella Homes, was honored to accept the Economic IMPACT award on behalf of the Bella Homes team. It was presented to him by the Ames Economic Development Commission. Over the last year, the Bella team has worked hard to positively impact the Huxley community with The Ballard Plaza remodel &amp;amp; The Landing project, which will feature a brand new restaurant, Flight Bar and Grille, and also become the new home of The Local Supply Co./Double Dipped Ice Cream Shoppe, RE/MAX Concepts, a yoga studio, and more.
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           The heart of the prairie is a wonderful place to raise a family, and the Bella team is thrilled to be a part of everything going on in and around the local community!
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      <pubDate>Tue, 04 Jan 2022 21:34:06 GMT</pubDate>
      <guid>https://www.bellahomesiowa.com/bella-homes</guid>
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      <title>Pool Envy</title>
      <link>https://www.bellahomesiowa.com/pool-envy</link>
      <description>The summer of 2020 will likely be one to remember. In fact, most young kids will grow up to tell their grandchildren about the summer that all the pools closed... So in the meantime, let's look at pools that inspire us to (maybe) create an oasis in our very own backyard.</description>
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  The summer of 2020 will likely be one to remember. In fact, most young kids will grow up to tell their grandchildren about the summer that all the pools closed... So in the meantime, let's look at pools that inspire us to (maybe) create an oasis in our very own backyard.

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                    Whether you love an infinity pool, consider the greenery that surrounds the pool, or are just concerned about relaxing.... pools really have a way of taking any property from great to must-have. Don't believe us? 
  
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    &lt;a href="https://www.hgtv.com/design/ultimate-house-hunt/60-pools-that-will-have-you-swimming-with-envy?nl=HGI_052020_subfeat1btn_swimming-pool-design&amp;amp;bid=20369807&amp;amp;c32=271bf75c9a5d6630a6190abe8a69f5369199313d&amp;amp;ssid=POSTUP_2018_HGTV&amp;amp;sni_by=&amp;amp;sni_gn=" target="_blank"&gt;&#xD;
      
                      
    Then check these out for yourself.
  
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      <pubDate>Wed, 17 Jun 2020 14:09:38 GMT</pubDate>
      <guid>https://www.bellahomesiowa.com/pool-envy</guid>
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      <title>Designer Secrets for an Instagram-Worthy Home</title>
      <link>https://www.bellahomesiowa.com/designer-secrets-for-an-instagram-worthy-home</link>
      <description>Thousands of people have built a following on Instagram for their curated spaces that look like they were ripped from the pages of a home magazine. With eclectic-yet-cohesive accessories, statement pieces of furniture, and ideal lighting conditions, it’s hard to believe these rooms weren’t styled and shot by a professional, but the truth is, many of these #homestagramers aren’t interior designers or photographers—and you don’t have to be either. Here, Kari Michael of Kariel Staging &amp; Decor reveals that getting the perfect picture for the ’gram comes down to a couple of simple tips.</description>
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  Thousands of people have built a following on Instagram for their curated spaces that look like they were ripped from the pages of a home magazine. With eclectic-yet-cohesive accessories, statement pieces of furniture, and ideal lighting conditions, it’s hard to believe these rooms weren’t styled and shot by a professional, but the truth is, many of these #homestagramers aren’t interior designers or photographers—and you don’t have to be either. Here, Kari Michael of Kariel Staging &amp;amp; Decor reveals that getting the perfect picture for the ’gram comes down to a couple of simple tips.

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      1. Separate Instagram from reality. 
    
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    “So often, how we live is not how it’s going to be presented online,” says Michael. Don’t hesitate to rearrange furniture and décor—like hiding the TV, bringing in a chair or accessory from another room—to get the perfect shot.
  
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      2. Maintain an open floor plan.
    
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    It feels natural to angle your furniture toward a central object, like a TV or fireplace, but this can make a space feel closed off and small. “You need the room to greet you,” says Michael. “If you’re all blocked off and everything is facing a wall, it doesn’t feel open or fresh—it doesn’t work.”
  
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      3. Flood the space with light.
    
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    Not only is a dark room uninviting—it also makes for a poor-quality picture. Bring in as much natural light as possible by opening curtains and blinds, and try to shoot on sunny days. Supplement with artificial light as needed.
  
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      4. Clear the clutter.
    
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    What’s one element all the #homestagrams have in common? Every piece of décor looks intentional, creating a tidy aesthetic. Remove any miscellaneous papers, remote controls, and cords from the shot, and “have a purpose for your accessories,” says Michael.
  
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      5. Create a focal point. 
    
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    Hang a statement-making piece of artwork to draw the eye and tie the whole photo together. If you’re working with a particularly small space, a mirror can also be an effective focal point to make the room appear larger.
  
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      6. Layer up.
    
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    Layering with throw pillow and blankets will transform your couch into a piece of furniture that looks professionally styled. Don’t be afraid to mix and match textures and patterns—leather with faux fur, or solids with animal prints, for example—to add depth.
  
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      7. Bring in some life.
    
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    You rarely see people in home photos on Instagram, but you can still add liveliness to your spaces by incorporating a plant for a fresh breath of color, texture, and movement.
  
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      8. Gather outside sources of inspiration.
    
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    Don’t be influenced solely by your own taste, says Michael. Use outside sources of inspiration to discover new, unique styles. “You want to think, ‘What do I see in magazines? What do I see on TV? What do I see on Pinterest?’ You want to know what people are looking at and liking.”
  
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    See original 
    
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      post here
    
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    .
  
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      <pubDate>Tue, 02 Jun 2020 14:07:28 GMT</pubDate>
      <guid>https://www.bellahomesiowa.com/designer-secrets-for-an-instagram-worthy-home</guid>
      <g-custom:tags type="string">design,ideas,instagram,interior</g-custom:tags>
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      <title>A Maintained Home is a Happy Home: The Top Home Maintenance Tips Everyone Should Know</title>
      <link>https://www.bellahomesiowa.com/a-maintained-home-is-a-happy-home-the-top-home-maintenance-tips-everyone-should-know</link>
      <description>You may wonder what type of repairs you should focus on to keep your home well maintained. This can vary based on the house, it’s age and other factors, and there are some general guidelines you can use.</description>
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  You may wonder what type of repairs you should focus on to keep your home well maintained. This can vary based on the house, it’s age and other factors, and there are some general guidelines you can use.

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    When it comes to home maintenance, you should abide by the 
    
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      one to four percent rule
    
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    . This rule states you should spend between one and four percent of your home’s value each year on repairs and maintenance.
  
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    Below we’ve included some helpful and actionable home maintenance tips to keep your home in tip-top shape for as long as possible. Regardless of if you 
    
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      build or buy
    
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    , keeping your home properly maintained is a must.
  
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      The Roof
    
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    One of the most important parts of your home that you need to maintain regularly is the roof. You should make sure to check for damages, look for discolored or gravel-less shingles, missing shingles, wet-areas, and any other part of the roof that appears unusual.
  
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    If you don’t notice problems with your roof and take care of them as early as possible, it may result in leaks inside your home. And roof leaks can add up to some very costly repairs and unwanted mold and moisture in your home.
  
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    Make sure that you pay close attention to the areas around your vents, chimneys, and skylights as well.
  
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    These are the areas of your roof that are most likely to develop leaks.
  
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      The Shower
    
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    Believe it or not, your shower also needs some love and attention on a regular basis. Take some time to look at the pipe coming off your shower wall (where your shower head is attached).
  
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    This is one of the most common areas where issues can occur with any shower. It may become loose over time or corrode without anyone noticing. When this goes unchecked you could be in for some costly repairs, however, fixing it is a breeze.
  
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    Fixes in this part of your shower may be as simple as sealing up any areas that could allow cold air or moisture to spread or a quick replacement of a showerhead. If you need, your local handyman can help you accomplish these repairs fairly quick.
  
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      The Gutters
    
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    Your rain gutters and downspouts are a very important part of your home. When they’re working properly you probably don’t even thinking about them.
  
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    Your home’s gutters are the first line of defense that will protect your home’s siding and foundation from the elements.
  
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    But if your gutters aren’t doing their job properly, it may result in a flooded crawl space or basement. One of the main reasons water accumulates in basements is due to 
    
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      malfunctioning gutters.
    
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    If you want to keep your basement dry, then you need to clean your gutters and remove the debris. Try not to use gutter guards, as these don’t do that good of a job blocking the debris, and they make it more difficult to clean the gutters out.
  
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    In addition to cleaning the gutters, be sure they are properly attached to the fascia boards and then replace the gutters that have started to leak.
  
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      The Windows
    
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    Do your windows skip, stick and stutter when you try to open them to let a bit of fresh air inside? If so, this is a problem and one that needs to be addressed.
  
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    Also, if you try to force your windows open when they are sticky, it can stress the window and result in damage. The next time you feel any resistance when trying to open your window, spray a bit of silicone lubricant on a rag and then apply a light coat to the guides.
  
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    This is a trick that works well on wood, metal, and vinyl windows.
  
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      The Toilet
    
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    If you have ever had to deal with a leaky toilet, then you know the struggle that goes along with it. A toilet tank that leaks won’t just affect your utility bill, but it may also cause water damage in your bathroom, as well as premature wear of the internal components of your toilet.
  
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    If you don’t know if you have a leaky toilet, there’s a simple test. Just add a little food coloring into the tank (a couple of drops should be plenty). Be sure to use a bright color such as blue or red.
  
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    Leave the dye in the tank for an hour, and then come back to see if there is any color in the bowl. If the dye is present in the bowl, there’s a leak.
  
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    If this is the case, the flapper is going to have to be changed. You can do this yourself or call your local plumber for help.
  
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      The Walls
    
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    It doesn’t matter how careful you are, your walls are eventually going to get a few holes in them. From hanging up picture and mirrors to careless kids, and curious pets, holes happen.
  
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    Even if you have camouflaged all the holes, if you are ready to change things up, they may be easy to see. The good news is, this is an easy fix.
  
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    All you need is some spackle and a bit of time. Applying spackle to cover the holes is relatively easy and once it’s sanded flush with your wall, can be painted to hide the old holes in the wall!
  
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    &lt;b&gt;&#xD;
      
                      
      The HVAC System
    
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  &lt;p&gt;&#xD;
    
                    
    When it comes to home maintenance, air conditioners, heat pumps, and other heating and cooling equipment are often the most overlooked appliances. However, it is one of the most expensive to repair.
  
                  &#xD;
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  &lt;p&gt;&#xD;
    
                    
    It’s a good idea to hire an expert heating and cooling professional to perform routine planned maintenance on your home comfort systems. It’s at this time your heating and cooling contractor can also inspect your home’s HVAC system to prepare you for any upcoming problems with the equipment.
  
                  &#xD;
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  &lt;p&gt;&#xD;
    
                    
    Keeping your heating and cooling systems in-check and well maintained will help save you in the long-run. A well-maintained HVAC system can far outlive a system that has been neglected and it should help you be able to budget better for repairs.
  
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  &lt;p&gt;&#xD;
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  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    
    This quick list of general home maintenance tips should be enough to get you started on the right path to a happy home. Remember, keeping your home and all its components maintained is going to reduce strain on your home’s systems and allow them to stand up to issues better.
    
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    &lt;br/&gt;&#xD;
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    &lt;br/&gt;&#xD;
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  &lt;p&gt;&#xD;
    
                    
    Original article 
    
                    &#xD;
    &lt;a href="https://www.finelinehomes.com/a-maintained-home-is-a-happy-home-the-top-home-maintenance-tips-everyone-should-know/" target="_blank"&gt;&#xD;
      
                      
      HERE
    
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    .
  
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      <pubDate>Thu, 28 May 2020 13:38:16 GMT</pubDate>
      <guid>https://www.bellahomesiowa.com/a-maintained-home-is-a-happy-home-the-top-home-maintenance-tips-everyone-should-know</guid>
      <g-custom:tags type="string">maintain,guidelines,upkeep,maintained</g-custom:tags>
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    <item>
      <title>Before-and-After Curb Appeal Makeovers</title>
      <link>https://www.bellahomesiowa.com/before-and-after-curb-appeal-makeovers</link>
      <description>While we are all spending more time at home, we may either be painfully aware of some changes our own homes could use, or getting kind of tired of the eyesore across the street. So let these makeovers inspire you!</description>
      <content:encoded>&lt;h3&gt;&#xD;
  
                  
  While we are all spending more time at home, we may either be painfully aware of some changes our own homes could use, or getting kind of tired of the eyesore across the street. So let these makeovers inspire you!

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                    If there was ever a time to give the exterior of your home some TLC, it would be now! We all have a little extra time on our hands, which means those projects we have been putting off for far too long can now be addressed. One of the first things anyone notices about a property is the curb-appeal. Check out these fantastic before and afters - they will inspire, give hope for the possibility of change (because sometimes change is hard), and motivate! Enjoy.
  
                    &#xD;
    &lt;br/&gt;&#xD;
    &lt;br/&gt;&#xD;
    &lt;a href="https://www.hgtv.com/outdoors/landscaping-and-hardscaping/15-before-and-after-curb-appeal-makeovers-pictures?nl=HGDaily_051120_threeup1_curb-appeal-before-and-afters&amp;amp;bid=20281682&amp;amp;c32=271bf75c9a5d6630a6190abe8a69f5369199313d&amp;amp;ssid=POSTUP_2018_HGTV&amp;amp;sni_by=&amp;amp;sni_gn=" target="_blank"&gt;&#xD;
      
                      
    HGTV: 40 Before-and-After Curb Appeal Makeovers
  
                    &#xD;
    &lt;/a&gt;&#xD;
    
                    
   - check it out!
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      <pubDate>Wed, 20 May 2020 14:49:21 GMT</pubDate>
      <guid>https://www.bellahomesiowa.com/before-and-after-curb-appeal-makeovers</guid>
      <g-custom:tags type="string">curb,appeal,new,update,exterior,makeover</g-custom:tags>
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    <item>
      <title>30 Habits of People With Really Clean Houses</title>
      <link>https://www.bellahomesiowa.com/30-habits-of-people-with-really-clean-houses</link>
      <description>We don't know about you, but cleanliness is on the mind! Spending more time at home means being more aware of how clean (or not) living spaces are. Learn what you may be doing right, and what you could work on.</description>
      <content:encoded>&lt;h3&gt;&#xD;
  
                  
  We don't know about you, but cleanliness is on the mind! Spending more time at home means being more aware of how clean (or not) living spaces are. Learn what you may be doing right, and what you could work on.

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                    Ever walk into a friend’s home and immediately noticed how clean it is? They don’t have a housekeeper, so how do they do it? And how do they possibly keep it that way? To get answers, I surveyed friends with the cleanest-of-clean homes and asked them for tips. Read the full HGTV article 
  
                    &#xD;
    &lt;a href="https://www.hgtv.com/lifestyle/clean-and-organize/10-habits-of-people-with-really-clean-houses-pictures?nl=HGDaily_041720_threeup1_habits-of-people-with-clean-houses&amp;amp;bid=20016621&amp;amp;c32=271bf75c9a5d6630a6190abe8a69f5369199313d&amp;amp;ssid=POSTUP_2018_HGTV&amp;amp;sni_by=&amp;amp;sni_gn=" target="_blank"&gt;&#xD;
      
                      
    HERE
  
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  .
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      <pubDate>Tue, 12 May 2020 14:08:51 GMT</pubDate>
      <guid>https://www.bellahomesiowa.com/30-habits-of-people-with-really-clean-houses</guid>
      <g-custom:tags type="string">clean,house,home,practices,ideas,habits</g-custom:tags>
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    <item>
      <title>30+ Design Tricks to Make Your Home Your Happy Place</title>
      <link>https://www.bellahomesiowa.com/30--design-tricks-to-make-your-home-your-happy-place</link>
      <description>It's the roundup you've been waiting for: Fun and easy ways to make any space bright, calming and so happy, according to HGTV editors and designers.</description>
      <content:encoded>&lt;h3&gt;&#xD;
  
                  
  It's the roundup you've been waiting for: Fun and easy ways to make any space bright, calming and so happy, according to HGTV editors and designers.

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  &lt;p&gt;&#xD;
    
                    
    It's Your Happy Place
  
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    &lt;p&gt;&#xD;
      
                      
      Home is a sanctuary, a cheerful retreat, somewhere you can relax and always feel … well, at home. No matter the shape, size or style of your space, there are so many small (and big!) ways to make it feel extra special. I asked HGTV editors and designers: How do you make a space its happiest? Here’s what they said.
    
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      &lt;br/&gt;&#xD;
    &lt;/p&gt;&#xD;
    &lt;p&gt;&#xD;
      &lt;a href="https://www.hgtv.com/design/decorating/design-101/how-to-make-your-home-happy-according-to-hgtv-editors-and-design-pictures?nl=HGI_050220_featbtn_HGMAG-happy-home&amp;amp;bid=20192427&amp;amp;c32=271bf75c9a5d6630a6190abe8a69f5369199313d&amp;amp;ssid=POSTUP_2018_HGTV&amp;amp;sni_by=&amp;amp;sni_gn=" target="_blank"&gt;&#xD;
        
                        
        CLICK HERE TO READ THE FULL ARTICLE
      
                      &#xD;
      &lt;/a&gt;&#xD;
      
                      
      .
    
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      <pubDate>Tue, 05 May 2020 14:57:25 GMT</pubDate>
      <guid>https://www.bellahomesiowa.com/30--design-tricks-to-make-your-home-your-happy-place</guid>
      <g-custom:tags type="string">home,decorate,cozy,design,ideas,happy</g-custom:tags>
      <media:content medium="image" url="https://irp-cdn.multiscreensite.com/f61e2903/dms3rep/multi/1586964570239_aivFiwuT1k2toK2oy5cQ-966x725.jpg">
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    <item>
      <title>35 Biggest Decorating Mistakes and Solutions</title>
      <link>https://www.bellahomesiowa.com/35-biggest-decorating-mistakes-and-solutions</link>
      <description>We've enlisted today's hottest interior designers to count down the 35 top decorating mistakes and included their style-saving solutions.</description>
      <content:encoded>&lt;h3&gt;&#xD;
  
                  
  We've enlisted today's hottest interior designers to count down the 35 top decorating mistakes and included their style-saving solutions.

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    &lt;a href="https://www.hgtv.com/design/decorating/design-101/25-biggest-decorating-mistakes-and-solutions-pictures?nl=HGI_041520_featbtn_decorating-mistakes&amp;amp;bid=20032160&amp;amp;c32=271bf75c9a5d6630a6190abe8a69f5369199313d&amp;amp;ssid=POSTUP_2018_HGTV&amp;amp;sni_by=&amp;amp;sni_gn=" target="_blank"&gt;&#xD;
      &lt;b&gt;&#xD;
        
                        
      35 decorating problems with 35 solutions!
      
                        &#xD;
        &lt;br/&gt;&#xD;
        
                        
      Gain some great ideas of things to try in your own home.
    
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      <pubDate>Thu, 23 Apr 2020 13:32:34 GMT</pubDate>
      <guid>https://www.bellahomesiowa.com/35-biggest-decorating-mistakes-and-solutions</guid>
      <g-custom:tags type="string">decorate,decorating,mistakes,solutions,hgtv,ideas</g-custom:tags>
      <media:content medium="image" url="https://irp-cdn.multiscreensite.com/f61e2903/dms3rep/multi/chair_QXpUhWNIRVKY6owzRjAF-965x724.jpeg">
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    <item>
      <title>Eco-Friendly Landscaping</title>
      <link>https://www.bellahomesiowa.com/eco-friendly-landscaping</link>
      <description>Next Wednesday is the 50th anniversary of Earth Day; enjoy reading about a few eco-friendly landscaping tips as you dig into your spring projects.</description>
      <content:encoded>&lt;h3&gt;&#xD;
  
                  
  Next Wednesday is the 50th anniversary of Earth Day; enjoy reading about a few eco-friendly landscaping tips as you dig into your spring projects.

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    Plant Trees &amp;amp; Shrubs Native to Your Area
    
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              Find trees and shrubs that are native to your area. They’ll repel pests and require fewer pesticides. Planting your trees strategically can also help provide shade for your home in the summer and let sunlight in throughout the winter. As a bonus, it will help cut heating and air conditioning costs. 
            
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    &lt;b&gt;&#xD;
      
                      
      Conserve Water
      
                      &#xD;
      &lt;br/&gt;&#xD;
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    Xeriscaping your yard in dry climates is a great way to conserve water. If you don’t xeriscape completely, group plants together that have similar watering needs. If possible, collect rainwater in a rain barrel to water and schedule sprinklers to water early in the morning and late at night to avoid evaporation.
    
                    &#xD;
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      Use Natural Fertilizers
      
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      &lt;br/&gt;&#xD;
    &lt;/b&gt;&#xD;
    
                    
    If you like to use fertilizer, look for a natural fertilizer to help turn your grass green. Using compost is a great organic way to fertilize your grass and plants. In addition to helping the lawn, it helps the soil. Also, pull your weeds rather than use weed killers that contain chemicals and pesticides.
    
                    &#xD;
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      &lt;br/&gt;&#xD;
      
                      
      Add Mulch
      
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    Use mulch around trees and garden beds to help control weeds and conserve water. Organic mulch also helps with healthy root growth and it promotes good soil.
    
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    As you’re looking to get outside, think about a little stress relief in your garden. Use these eco-friendly landscaping tips. They’ll help conserve the earth and your budget.
    
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      <pubDate>Thu, 16 Apr 2020 20:38:57 GMT</pubDate>
      <guid>https://www.bellahomesiowa.com/eco-friendly-landscaping</guid>
      <g-custom:tags type="string">eco-friendly,garden,water,shrub,plant</g-custom:tags>
      <media:content medium="image" url="https://irp-cdn.multiscreensite.com/f61e2903/dms3rep/multi/eco%20friendly_xQWUFpKYQaG3lmtoxvIm-1080x1080.png">
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      <title>Coronavirus: Resources for Property Owners</title>
      <link>https://www.bellahomesiowa.com/coronavirus-resources-for-property-owners</link>
      <description>The following resources provide property owners with assistance during the COVID-19 crisis.</description>
      <content:encoded>&lt;h3&gt;&#xD;
  
                  
  The following resources provide property owners with assistance during the COVID-19 crisis.

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          American Land Title Association (ALTA) has provided the following resources:
        
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        &lt;/b&gt;&#xD;
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      &lt;ul&gt;&#xD;
        &lt;li&gt;&#xD;
          &lt;a href="http://www.alta.org/coronavirus"&gt;&#xD;
            
                            
            County Record 
            
                            &#xD;
            &lt;b&gt;&#xD;
              
                              
              Office
            
                            &#xD;
            &lt;/b&gt;&#xD;
            
                            
             Closures(link is external)
          
                          &#xD;
          &lt;/a&gt;&#xD;
          
                          
          : Real-time database of offices that are closing or reducing operations as a result of the coronavirus. Click on the link under County Office Closures.
        
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        &lt;/li&gt;&#xD;
        &lt;li&gt;&#xD;
          &lt;a href="https://blog.alta.org/2020/03/title-settlement-companies-develop-safe-closing-protocols.html"&gt;&#xD;
            
                            
            Title, Settlement Companies Develop Safe Closing Protocols(link is external)
          
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          &lt;/a&gt;&#xD;
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        &lt;li&gt;&#xD;
          
                          
          Visitor Health Screening Questionnaires: The NNA has developed health screening forms for the signing agent and borrower in order to protect all parties during a closing.
          
                          &#xD;
          &lt;ul&gt;&#xD;
            &lt;li&gt;&#xD;
              &lt;a href="https://www.alta.org/file.cfm?name=signing-agent-health-screening-form"&gt;&#xD;
                
                                
                Signing agent(link is external)
              
                              &#xD;
              &lt;/a&gt;&#xD;
            &lt;/li&gt;&#xD;
            &lt;li&gt;&#xD;
              &lt;a href="https://www.alta.org/file.cfm?name=borrower-health-screening-form"&gt;&#xD;
                
                                
                Borrower(link is external)
              
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            &lt;/li&gt;&#xD;
          &lt;/ul&gt;&#xD;
        &lt;/li&gt;&#xD;
        &lt;li&gt;&#xD;
          &lt;a href="https://blog.alta.org/2019/12/business-continuity-have-a-plan.html"&gt;&#xD;
            
                            
            Disaster Recovery and Business Continuity Plan(link is external)
          
                          &#xD;
          &lt;/a&gt;&#xD;
          
                          
          : Having a business continuity plan is essential to keeping an operation going following any type of disaster or crisis.
        
                        &#xD;
        &lt;/li&gt;&#xD;
        &lt;li&gt;&#xD;
          &lt;a href="https://blog.alta.org/2020/03/common-issues-your-businesses-may-encounter.html"&gt;&#xD;
            
                            
            Common Issues Your Business May Encounter(link is external)
          
                          &#xD;
          &lt;/a&gt;&#xD;
        &lt;/li&gt;&#xD;
        &lt;li&gt;&#xD;
          &lt;a href="https://blog.alta.org/2020/03/keeping-your-workplace-safe.html"&gt;&#xD;
            
                            
            Keep Your Workplace Safe(link is external)
          
                          &#xD;
          &lt;/a&gt;&#xD;
        &lt;/li&gt;&#xD;
        &lt;li&gt;&#xD;
          &lt;a href="https://blog.alta.org/2020/03/keep-commercial-establishments-safe.html"&gt;&#xD;
            
                            
            Keep Commercial Establishments Safe(link is external)
          
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      &lt;p&gt;&#xD;
        &lt;b&gt;&#xD;
          
                          
          Bank Regulators have also instructed banks and servicers to be proactive in extending help to homeowners:
        
                        &#xD;
        &lt;/b&gt;&#xD;
      &lt;/p&gt;&#xD;
      &lt;ul&gt;&#xD;
        &lt;li&gt;&#xD;
          &lt;a href="https://www.fdic.gov/coronavirus/index.html"&gt;&#xD;
            
                            
            Federal Deposit Insurance Corporation (FDIC)(link is external)
          
                          &#xD;
          &lt;/a&gt;&#xD;
        &lt;/li&gt;&#xD;
        &lt;li&gt;&#xD;
          &lt;a href="https://www.occ.gov/topics/supervision-and-examination/bank-operations/covid-19-information/convid-19-info-index.html"&gt;&#xD;
            
                            
            Office of the Comptroller of the Currency (OCC)(link is external)
          
                          &#xD;
          &lt;/a&gt;&#xD;
        &lt;/li&gt;&#xD;
        &lt;li&gt;&#xD;
          &lt;a href="https://www.federalreserve.gov/covid-19.htm"&gt;&#xD;
            
                            
            Board of Governor of the Federal Reserve System (Fed)(link is external)
          
                          &#xD;
          &lt;/a&gt;&#xD;
          &lt;br/&gt;&#xD;
          &lt;br/&gt;&#xD;
        &lt;/li&gt;&#xD;
      &lt;/ul&gt;&#xD;
      &lt;p&gt;&#xD;
        &lt;b&gt;&#xD;
          
                          
          Banks have posted their own policies and ways for consumers to contact them for assistance:
        
                        &#xD;
        &lt;/b&gt;&#xD;
      &lt;/p&gt;&#xD;
      &lt;ul&gt;&#xD;
        &lt;li&gt;&#xD;
          &lt;a href="https://about.bankofamerica.com/promo/assistance/latest-updates-from-bank-of-america-coronavirus"&gt;&#xD;
            
                            
            Bank of America(link is external)
          
                          &#xD;
          &lt;/a&gt;&#xD;
        &lt;/li&gt;&#xD;
        &lt;li&gt;&#xD;
          &lt;a href="https://www.capitalone.com/coronavirus/"&gt;&#xD;
            
                            
            Capital One(link is external)
          
                          &#xD;
          &lt;/a&gt;&#xD;
        &lt;/li&gt;&#xD;
        &lt;li&gt;&#xD;
          &lt;a href="https://www.chase.com/digital/resources/coronavirus"&gt;&#xD;
            
                            
            Chase(link is external)
          
                          &#xD;
          &lt;/a&gt;&#xD;
        &lt;/li&gt;&#xD;
        &lt;li&gt;&#xD;
          &lt;a href="https://www.truist.com/coronavirus-information"&gt;&#xD;
            
                            
            Truist(link is external)
          
                          &#xD;
          &lt;/a&gt;&#xD;
        &lt;/li&gt;&#xD;
        &lt;li&gt;&#xD;
          &lt;a href="https://www.usbank.com/splash/covid-19.html"&gt;&#xD;
            
                            
            U.S. Bank(link is external)
          
                          &#xD;
          &lt;/a&gt;&#xD;
        &lt;/li&gt;&#xD;
        &lt;li&gt;&#xD;
          &lt;a href="https://newsroom.wf.com/press-release/corporate-social-responsibility/wells-fargo-donates-625-million-aid-coronavirus"&gt;&#xD;
            
                            
            Wells Fargo(link is external)
          
                          &#xD;
          &lt;/a&gt;&#xD;
          &lt;br/&gt;&#xD;
          &lt;br/&gt;&#xD;
        &lt;/li&gt;&#xD;
      &lt;/ul&gt;&#xD;
      &lt;p&gt;&#xD;
        &lt;b&gt;&#xD;
          
                          
          Servicers (those who collect the payments for investors/banks and interact with consumers) are providing information for how homebuyers can reach out for assistance:
        
                        &#xD;
        &lt;/b&gt;&#xD;
      &lt;/p&gt;&#xD;
      &lt;br/&gt;&#xD;
      &lt;ul&gt;&#xD;
        &lt;li&gt;&#xD;
          &lt;a href="https://www.mrcooper.com/blog/2020/03/13/coronavirus/"&gt;&#xD;
            
                            
            Mr. Cooper(link is external)
          
                          &#xD;
          &lt;/a&gt;&#xD;
        &lt;/li&gt;&#xD;
        &lt;li&gt;&#xD;
          &lt;a href="https://www.flagstar.com/promo/update.html"&gt;&#xD;
            
                            
            Flagstar Bank(link is external)
          
                          &#xD;
          &lt;/a&gt;&#xD;
        &lt;/li&gt;&#xD;
      &lt;/ul&gt;&#xD;
      &lt;br/&gt;&#xD;
      &lt;p&gt;&#xD;
        &lt;b&gt;&#xD;
          
                          
          Mortgage Insurers are also providing information on how servicers can help consumers:
        
                        &#xD;
        &lt;/b&gt;&#xD;
      &lt;/p&gt;&#xD;
      &lt;br/&gt;&#xD;
      &lt;ul&gt;&#xD;
        &lt;li&gt;&#xD;
          &lt;a href="https://www.new.mi.genworth.com/covid19-important-servicing-information"&gt;&#xD;
            
                            
            Genworth(link is external)
          
                          &#xD;
          &lt;/a&gt;&#xD;
        &lt;/li&gt;&#xD;
      &lt;/ul&gt;&#xD;
      &lt;br/&gt;&#xD;
      &lt;p&gt;&#xD;
        &lt;b&gt;&#xD;
          
                          
          Consumer Financial Protection Bureau (CFPB)
        
                        &#xD;
        &lt;/b&gt;&#xD;
      &lt;/p&gt;&#xD;
      &lt;p&gt;&#xD;
        &lt;b&gt;&#xD;
          
                          
          Protect Your Credit:
        
                        &#xD;
        &lt;/b&gt;&#xD;
        
                        
         The CFPB is urging consumers 
        
                        &#xD;
        &lt;a href="http://www.consumerfinance.gov/about-us/blog/protecting-your-credit-during-coronavirus-pandemic/"&gt;&#xD;
          
                          
          to protect their credit(link is external)
        
                        &#xD;
        &lt;/a&gt;&#xD;
        
                        
         during this pandemic.
        
                        &#xD;
        &lt;br/&gt;&#xD;
        &lt;b&gt;&#xD;
          
                          
          Protect Yourself Financially:
        
                        &#xD;
        &lt;/b&gt;&#xD;
        
                        
         The CFPB has a 
        
                        &#xD;
        &lt;a href="https://www.consumerfinance.gov/about-us/blog/protect-yourself-financially-from-impact-of-coronavirus/"&gt;&#xD;
          
                          
          number of resources(link is external)
        
                        &#xD;
        &lt;/a&gt;&#xD;
        
                        
         focused on financial protection, both short and long term, such as paying bills, income loss, and scam targeting.  Resources include contacts for housing and credit counselors, debt collectors, and state unemployment services.
      
                      &#xD;
      &lt;/p&gt;&#xD;
      &lt;ul&gt;&#xD;
        &lt;li&gt;&#xD;
          &lt;a href="https://www.consumerfinance.gov/about-us/newsroom/cfpb-director-kraninger-statement-joint-hud-fhfa-announcement-foreclosure-and-eviction-moratorium/"&gt;&#xD;
            
                            
            CFPB Director Kraninger Statement on Joint HUD-FHFA Announcement on Foreclosure and Eviction Moratorium(link is external)
          
                          &#xD;
          &lt;/a&gt;&#xD;
          &lt;br/&gt;&#xD;
          &lt;br/&gt;&#xD;
        &lt;/li&gt;&#xD;
      &lt;/ul&gt;&#xD;
      &lt;p&gt;&#xD;
        &lt;b&gt;&#xD;
          
                          
          Department of Labor (DOL)
        
                        &#xD;
        &lt;/b&gt;&#xD;
      &lt;/p&gt;&#xD;
      &lt;p&gt;&#xD;
        
                        
        DOL has provided 
        
                        &#xD;
        &lt;a href="https://www.dol.gov/coronavirus"&gt;&#xD;
          
                          
          resources for employers and workers(link is external)
        
                        &#xD;
        &lt;/a&gt;&#xD;
        
                        
         in responding to COVID-19 and including the impact on wages and hours worked and protected leave (these resources are primarily for businesses and employers).
      
                      &#xD;
      &lt;/p&gt;&#xD;
      &lt;p&gt;&#xD;
        &lt;br/&gt;&#xD;
      &lt;/p&gt;&#xD;
      &lt;p&gt;&#xD;
        &lt;b&gt;&#xD;
          
                          
          Environmental Protection Agency (EPA)
        
                        &#xD;
        &lt;/b&gt;&#xD;
      &lt;/p&gt;&#xD;
      &lt;p&gt;&#xD;
        
                        
        Americans can continue to use and drink water from their tap as usual. EPA has provided 
        
                        &#xD;
        &lt;a href="https://www.epa.gov/coronavirus/coronavirus-and-drinking-water-and-wastewater"&gt;&#xD;
          
                          
          important information about COVID-19(link is external)
        
                        &#xD;
        &lt;/a&gt;&#xD;
        
                        
         as it relates to drinking water and wastewater to provide clarity to the public. The COVID-19 virus has not been detected in drinking-water supplies. Based on current evidence, the risk to water supplies is low.
      
                      &#xD;
      &lt;/p&gt;&#xD;
      &lt;p&gt;&#xD;
        
                        
        Federal Housing Administration (FHA)
      
                      &#xD;
      &lt;/p&gt;&#xD;
      &lt;p&gt;&#xD;
        
                        
        Immediate Foreclosure and Evictions Relief for Homeowners for the Next 60 Days
      
                      &#xD;
      &lt;/p&gt;&#xD;
      &lt;p&gt;&#xD;
        
                        
        The U.S. Department of Housing and Urban Development (HUD) has authorized the FHA to implement an immediate 
        
                        &#xD;
        &lt;a href="https://www.hud.gov/sites/dfiles/OCHCO/documents/20-04hsgml.pdf"&gt;&#xD;
          
                          
          foreclosure and eviction moratorium(link is external)
        
                        &#xD;
        &lt;/a&gt;&#xD;
        
                        
         for single family homeowners with FHA-insured mortgages for the next 60 days. 
        
                        &#xD;
        &lt;a href="https://www.hud.gov/press/press_releases_media_advisories/HUD_No_20_042"&gt;&#xD;
          
                          
          Read the full press release(link is external)
        
                        &#xD;
        &lt;/a&gt;&#xD;
        
                        
        .
      
                      &#xD;
      &lt;/p&gt;&#xD;
      &lt;p&gt;&#xD;
        &lt;br/&gt;&#xD;
      &lt;/p&gt;&#xD;
      &lt;p&gt;&#xD;
        &lt;b&gt;&#xD;
          
                          
          FHA Q&amp;amp;A Form
        
                        &#xD;
        &lt;/b&gt;&#xD;
      &lt;/p&gt;&#xD;
      &lt;p&gt;&#xD;
        
                        
        FHA continues to run single family business operations. FHA has created a Q&amp;amp;A form available on their website to keep interested parties updated on their procedures during the COVID-19 crisis. Please refer to 
        
                        &#xD;
        &lt;a href="https://www.hud.gov/program_offices/housing/sfh"&gt;&#xD;
          
                          
          https://www.hud.gov/program_offices/housing/sfh(link is external)
        
                        &#xD;
        &lt;/a&gt;&#xD;
        
                        
          for the most current information.
      
                      &#xD;
      &lt;/p&gt;&#xD;
    &lt;/div&gt;&#xD;
    &lt;br/&gt;&#xD;
    &lt;br/&gt;&#xD;
  &lt;/div&gt;&#xD;
  &lt;div&gt;&#xD;
    &lt;div&gt;&#xD;
      &lt;div&gt;&#xD;
      &lt;/div&gt;&#xD;
      &lt;div&gt;&#xD;
        &lt;div&gt;&#xD;
          &lt;div&gt;&#xD;
            &lt;div&gt;&#xD;
              &lt;div&gt;&#xD;
                &lt;div&gt;&#xD;
                  &lt;p&gt;&#xD;
                    &lt;b&gt;&#xD;
                      
                                      
                      Federal Housing Finance Agency (FHFA)
                    
                                    &#xD;
                    &lt;/b&gt;&#xD;
                  &lt;/p&gt;&#xD;
                  &lt;p&gt;&#xD;
                    
                                    
                    FHFA has instructed Fannie Mae, Freddie Mac and their servicers to be proactive in providing assistance to homeowners including forbearance. In addition, FHFA imposed a moratorium on eviction and foreclosures on mortgages backed by the GSEs:
                  
                                  &#xD;
                  &lt;/p&gt;&#xD;
                  &lt;ul&gt;&#xD;
                    &lt;li&gt;&#xD;
                      &lt;a href="https://www.fhfa.gov/Media/PublicAffairs/Pages/Statement-from-FHFA-Director-Mark-Calabria-on-Coronavirus.aspx"&gt;&#xD;
                        
                                        
                        Statement from FHFA Director Mark Calabria on Coronavirus(link is external)
                      
                                      &#xD;
                      &lt;/a&gt;&#xD;
                    &lt;/li&gt;&#xD;
                    &lt;li&gt;&#xD;
                      &lt;a href="https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Suspends-Foreclosures-and-Evictions-for-Enterprise-Backed-Mortgages.aspx"&gt;&#xD;
                        
                                        
                        Press Release: FHFA Suspends Foreclosures and Evictions for Enterprise-Backed Mortgages(link is external)
                      
                                      &#xD;
                      &lt;/a&gt;&#xD;
                      &lt;br/&gt;&#xD;
                      &lt;br/&gt;&#xD;
                    &lt;/li&gt;&#xD;
                  &lt;/ul&gt;&#xD;
                  &lt;p&gt;&#xD;
                    
                                    
                    Fannie Mae and Freddie Mac
                  
                                  &#xD;
                  &lt;/p&gt;&#xD;
                  &lt;p&gt;&#xD;
                    
                                    
                    Fannie Mae and Freddie Mac have issued similar guidance:
                  
                                  &#xD;
                  &lt;/p&gt;&#xD;
                  &lt;ul&gt;&#xD;
                    &lt;li&gt;&#xD;
                      
                                      
                      Homeowners who are adversely impacted by this national emergency may request mortgage assistance by contacting their mortgage servicer
                    
                                    &#xD;
                    &lt;/li&gt;&#xD;
                    &lt;li&gt;&#xD;
                      
                                      
                      Foreclosure sales and evictions of borrowers are suspended for 60 days
                    
                                    &#xD;
                    &lt;/li&gt;&#xD;
                    &lt;li&gt;&#xD;
                      
                                      
                      Homeowners impacted by this national emergency are eligible for a forbearance plan to reduce or suspend their mortgage payments for up to 12 months
                    
                                    &#xD;
                    &lt;/li&gt;&#xD;
                    &lt;li&gt;&#xD;
                      
                                      
                      Credit bureau reporting of past due payments of borrowers in a forbearance plan as a result of hardships attributable to this national emergency is suspended
                    
                                    &#xD;
                    &lt;/li&gt;&#xD;
                    &lt;li&gt;&#xD;
                      
                                      
                      Homeowners in a forbearance plan will not incur late fees
                    
                                    &#xD;
                    &lt;/li&gt;&#xD;
                    &lt;li&gt;&#xD;
                      
                                      
                      After forbearance, a servicer must work with the borrower on a permanent plan to help maintain or reduce monthly payment amounts as necessary, including a loan modification
                    
                                    &#xD;
                    &lt;/li&gt;&#xD;
                  &lt;/ul&gt;&#xD;
                  &lt;p&gt;&#xD;
                    
                                    
                    Fannie and Freddie have also created pages with additional information:
                  
                                  &#xD;
                  &lt;/p&gt;&#xD;
                  &lt;ul&gt;&#xD;
                    &lt;li&gt;&#xD;
                      &lt;a href="https://www.knowyouroptions.com/covid19assistance"&gt;&#xD;
                        
                                        
                        Fannie Mae: Coronavirus (COVID-19) Help(link is external)
                      
                                      &#xD;
                      &lt;/a&gt;&#xD;
                    &lt;/li&gt;&#xD;
                    &lt;li&gt;&#xD;
                      &lt;a href="http://myhome.freddiemac.com/mortgage-help/contact.html"&gt;&#xD;
                        
                                        
                        Freddie Mac: Foreclosure &amp;amp; Alternatives - Who to Contact for Help(link is external)
                      
                                      &#xD;
                      &lt;/a&gt;&#xD;
                      &lt;br/&gt;&#xD;
                      &lt;br/&gt;&#xD;
                    &lt;/li&gt;&#xD;
                  &lt;/ul&gt;&#xD;
                  &lt;p&gt;&#xD;
                    &lt;b&gt;&#xD;
                      
                                      
                      Internal Revenue Service (IRS)
                    
                                    &#xD;
                    &lt;/b&gt;&#xD;
                  &lt;/p&gt;&#xD;
                  &lt;p&gt;&#xD;
                    
                                    
                    The IRS has also created a 
                    
                                    &#xD;
                    &lt;a href="https://www.irs.gov/coronavirus"&gt;&#xD;
                      
                                      
                      Coronavirus Tax Relief section(link is external)
                    
                                    &#xD;
                    &lt;/a&gt;&#xD;
                    
                                    
                     on their website with updated information for taxpayers and businesses (these resources are for businesses and not specifically for consumers).
                  
                                  &#xD;
                  &lt;/p&gt;&#xD;
                  &lt;ul&gt;&#xD;
                    &lt;li&gt;&#xD;
                      &lt;a href="https://www.irs.gov/newsroom/tax-time-guide-guard-personal-financial-and-tax-information-year-round"&gt;&#xD;
                        
                                        
                        Tax Time Guide to Guard Personal, Financial, and Tax Information Year-Round(link is external)
                      
                                      &#xD;
                      &lt;/a&gt;&#xD;
                      
                                      
                       (these resources are for businesses and not specifically for consumers).
                    
                                    &#xD;
                    &lt;/li&gt;&#xD;
                    &lt;li&gt;&#xD;
                      
                                      
                      Income Tax 
                      
                                      &#xD;
                      &lt;b&gt;&#xD;
                        
                                        
                        FILING
                      
                                      &#xD;
                      &lt;/b&gt;&#xD;
                      
                                      
                       and 
                      
                                      &#xD;
                      &lt;b&gt;&#xD;
                        
                                        
                        PAYMENT
                      
                                      &#xD;
                      &lt;/b&gt;&#xD;
                      
                                      
                       Deadlines Extended: In light of COVID-19 crisis, the IRS on March 18 
                      
                                      &#xD;
                      &lt;a href="https://www.irs.gov/newsroom/payment-deadline-extended-to-july-15-2020"&gt;&#xD;
                        
                                        
                        extended the income tax payment deadline(link is external)
                      
                                      &#xD;
                      &lt;/a&gt;&#xD;
                      
                                      
                       for individual returns (as well as all other entities) until July 15, 2020. Two days later, the IRS also extended the tax filing deadline to July 15, 2020. Additional forms do not need to be filed to qualify for these extensions.
                    
                                    &#xD;
                    &lt;/li&gt;&#xD;
                  &lt;/ul&gt;&#xD;
                  &lt;br/&gt;&#xD;
                  &lt;p&gt;&#xD;
                    &lt;b&gt;&#xD;
                      
                                      
                      Rural Development — U.S. Department of Agriculture (RD)
                    
                                    &#xD;
                    &lt;/b&gt;&#xD;
                  &lt;/p&gt;&#xD;
                  &lt;ul&gt;&#xD;
                    &lt;li&gt;&#xD;
                      
                                      
                      The USDA has 
                      
                                      &#xD;
                      &lt;a href="https://www.rd.usda.gov/sites/default/files/USDA_RD_SA_Foreclosure_and_Eviction_Relief_COVID19_NationalEmergency.pdf"&gt;&#xD;
                        
                                        
                        informed(link is external)
                      
                                      &#xD;
                      &lt;/a&gt;&#xD;
                      
                                      
                       lenders of a foreclosure and eviction moratorium for all USDA Single Family Housing Guaranteed Loans Program (SFHGLP) loans for a period of 60 days, in connection with the Presidentially declared COVID-19 National Emergency.
                    
                                    &#xD;
                    &lt;/li&gt;&#xD;
                    &lt;li&gt;&#xD;
                      
                                      
                      RD will continue to provide loans and grants to rural communities across all of their programs.
                    
                                    &#xD;
                    &lt;/li&gt;&#xD;
                    &lt;li&gt;&#xD;
                      
                                      
                      ReConnect applications will continue to be accepted with a March 31st deadline, and RD will then begin the review and award process.
                    
                                    &#xD;
                    &lt;/li&gt;&#xD;
                    &lt;li&gt;&#xD;
                      
                                      
                      RD has granted authority to lenders that participate in their Single-Family Housing Guaranteed program so that these lenders can work with borrowers to ensure that homeowners will stay in their houses if they are having difficulty making payments.
                    
                                    &#xD;
                    &lt;/li&gt;&#xD;
                    &lt;li&gt;&#xD;
                      
                                      
                      RD will issue guidance to their Single-Family Housing Direct borrowers to ensure they can also seek payment assistance if needed.
                    
                                    &#xD;
                    &lt;/li&gt;&#xD;
                  &lt;/ul&gt;&#xD;
                  &lt;br/&gt;&#xD;
                  &lt;p&gt;&#xD;
                    &lt;b&gt;&#xD;
                      
                                      
                      Small Business Administration (SBA)
                    
                                    &#xD;
                    &lt;/b&gt;&#xD;
                  &lt;/p&gt;&#xD;
                  &lt;p&gt;&#xD;
                    
                                    
                    The SBA has provided 
                    
                                    &#xD;
                    &lt;a href="https://www.sba.gov/page/coronavirus-covid-19-small-business-guidance-loan-resources"&gt;&#xD;
                      
                                      
                      guidance and resources for businesses and employers(link is external)
                    
                                    &#xD;
                    &lt;/a&gt;&#xD;
                    
                                    
                     to respond to COVID-19, including information regarding the economic injury disaster loans, local assistance, and SBA products &amp;amp; resources (these resources are for businesses and not for consumers specifically).
                  
                                  &#xD;
                  &lt;/p&gt;&#xD;
                  &lt;p&gt;&#xD;
                    
                                    
                    SBA Economic Injury Disaster Loans (EIDL)
                  
                                  &#xD;
                  &lt;/p&gt;&#xD;
                  &lt;p&gt;&#xD;
                    
                                    
                    The EIDL program supports small businesses facing temporary loss of revenue as well as working capital. They can be used to pay debts, including payroll, accounts payable, and other bills that cannot be paid due to a disaster. 
                    
                                    &#xD;
                    &lt;a href="http://narfocus.com/billdatabase/clientfiles/172/26/3582.pdf"&gt;&#xD;
                      
                                      
                      View the program summary and SBA Response to COVID-19(link is external)
                    
                                    &#xD;
                    &lt;/a&gt;&#xD;
                    
                                    
                     (PDF: 117 KB).
                  
                                  &#xD;
                  &lt;/p&gt;&#xD;
                  &lt;p&gt;&#xD;
                    &lt;br/&gt;&#xD;
                  &lt;/p&gt;&#xD;
                  &lt;p&gt;&#xD;
                    &lt;b&gt;&#xD;
                      
                                      
                      Student Debt
                    
                                    &#xD;
                    &lt;/b&gt;&#xD;
                  &lt;/p&gt;&#xD;
                  &lt;ul&gt;&#xD;
                    &lt;li&gt;&#xD;
                      
                                      
                      The Department of Education 
                      
                                      &#xD;
                      &lt;a href="https://www.ed.gov/news/press-releases/delivering-president-trumps-promise-secretary-devos-suspends-federal-student-loan-payments-waives-interest-during-national-emergency"&gt;&#xD;
                        
                                        
                        announced(link is external)
                      
                                      &#xD;
                      &lt;/a&gt;&#xD;
                      
                                      
                       that it will allow forbearance on federally-backed student loans for sixty days beginning on March 13, 2020. Likewise, the Administration has also 
                      
                                      &#xD;
                      &lt;a href="https://www.whitehouse.gov/briefings-statements/remarks-president-trump-vice-president-pence-members-coronavirus-task-force-press-conference-3/"&gt;&#xD;
                        
                                        
                        waived all interest(link is external)
                      
                                      &#xD;
                      &lt;/a&gt;&#xD;
                      
                                      
                       on student loans for this period. You must contact your loan servicer to being a forbearance.
                    
                                    &#xD;
                    &lt;/li&gt;&#xD;
                    &lt;li&gt;&#xD;
                      
                                      
                      Servicers are 
                      
                                      &#xD;
                      &lt;a href="https://www.nelnet.com/covid-19"&gt;&#xD;
                        
                                        
                        sharing information(link is external)
                      
                                      &#xD;
                      &lt;/a&gt;&#xD;
                      
                                      
                       how borrowers can seek remedies.
                    
                                    &#xD;
                    &lt;/li&gt;&#xD;
                  &lt;/ul&gt;&#xD;
                  &lt;br/&gt;&#xD;
                  &lt;p&gt;&#xD;
                    &lt;b&gt;&#xD;
                      
                                      
                      VA Home Loan Program
                    
                                    &#xD;
                    &lt;/b&gt;&#xD;
                  &lt;/p&gt;&#xD;
                  &lt;p&gt;&#xD;
                    
                                    
                    The Department of Veterans Affairs (VA) is 
                    
                                    &#xD;
                    &lt;a href="https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_7.pdf"&gt;&#xD;
                      
                                      
                      providing information to keep Veterans and stakeholders safe(link is external)
                    
                                    &#xD;
                    &lt;/a&gt;&#xD;
                    
                                    
                     while continuing the mission of the VA Home Loan Program:
                  
                                  &#xD;
                  &lt;/p&gt;&#xD;
                  &lt;p&gt;&#xD;
                    &lt;br/&gt;&#xD;
                  &lt;/p&gt;&#xD;
                  &lt;p&gt;&#xD;
                    
                                    
                    See original post 
                    
                                    &#xD;
                    &lt;i&gt;&#xD;
                      &lt;a href="https://www.nar.realtor/coronavirus-resources-for-property-owners" target="_blank"&gt;&#xD;
                        
                                        
                        here
                      
                                      &#xD;
                      &lt;/a&gt;&#xD;
                    &lt;/i&gt;&#xD;
                    
                                    
                    .
                  
                                  &#xD;
                  &lt;/p&gt;&#xD;
                &lt;/div&gt;&#xD;
              &lt;/div&gt;&#xD;
            &lt;/div&gt;&#xD;
          &lt;/div&gt;&#xD;
        &lt;/div&gt;&#xD;
      &lt;/div&gt;&#xD;
    &lt;/div&gt;&#xD;
  &lt;/div&gt;&#xD;
  &lt;p&gt;&#xD;
  &lt;/p&gt;&#xD;
&lt;/div&gt;</content:encoded>
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      <pubDate>Tue, 31 Mar 2020 21:05:22 GMT</pubDate>
      <guid>https://www.bellahomesiowa.com/coronavirus-resources-for-property-owners</guid>
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    </item>
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      <title>Style Your Bookshelf Like a Boss With These 10 Items</title>
      <link>https://www.bellahomesiowa.com/style-your-bookshelf-like-a-boss-with-these-10-items</link>
      <description>How do the design pros make their bookshelves look so good?! Designer Brian Patrick Flynn spills his styling secrets and must-have essentials so you can get the look just right.</description>
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  How do the design pros make their bookshelves look so good?! Designer Brian Patrick Flynn spills his styling secrets and must-have essentials so you can get the look just right.

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  How to Style Your Bookshelf From Top To Bottom

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      Showcase Souvenirs
    
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      Ignite conversation by using bookshelves to display trinkets from your travels. If you're going to group like-objects together, choose items that differ in height. Here, a pair of knight's helmets, one large and one small, are placed side by side.
    
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          Add Life With Greenery
        
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      Liven up your bookshelves with low-maintenance plants potted in chic containers. Here, a simple, sun-loving grass thrives inside an aluminum pot placed next to a large window.
      
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            Always Use Odd Numbers
          
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        A popular trick designers use to style bookshelves is the arrangement of objects in odd numbers. This is especially useful when grouping picture frames together. As a general rule, three is the magic number. To achieve the perfect look, stick with one large, one medium and one small frame, then alternate orientations from vertical to horizontal.
        
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              Hang Artwork From Shelves
            
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          Designers often look at shelf facades as an extra surface for hanging art. The key to doing this right is to choose a shelf that sits approximately four to five feet above the floor, then fasten the art to the fascia using non-abrasive picture hanging strips. Once the art is situated, use the space behind it to hide objects you want to keep out of view.
          
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                Mix in Natural Materials
              
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            A careful mix of organic materials can make a space feel well-rounded and expertly curated. Bring a touch of natural stone to your bookshelves with marble, onyx or amethyst bookends. These materials help break up the rigid, linear look of stacks of books.
            
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                  Add Interesting Shapes
                
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              Coral adds the perfect dose of life to surfaces, and designers use it to break up spaces that can otherwise look flat. Choose a piece of coral with an interesting shape and think of how it will fit onto the shelf. If you choose a piece that's too large, it can take over. Conversely, tiny pieces of coral may end up looking more like visual clutter than a stylistic feature.
              
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                    Mix in Metallic Elements
                  
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                Metallic elements can add beautiful sheen to a bookshelf and also help play with light. While pewter and nickel are usually the most popular metallic finishes, the richness of brass can add a classic touch of antiquity. Look for brass objects that have a faded finish rather than those which are super polished and may appear too formal.
              
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                  Add Whimsical Touches
                
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              A few small, playful touches can take a serious-looking bookshelf and make it more approachable, personable and one of a kind. Hold on to children's artwork or dig up some of your own vintage creations and place them on the shelves to add shape and color.
              
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                    Integrate Chic Storage Options
                  
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                Bookshelves have a knack for fulfilling decorative and practical purposes, but you need the right open storage containers to successfully achieve both goals. Instead of plastic bins, choose those with vintage, industrial appeal, such as wire or welded steel. In addition to adding a space to keep papers organized, they will add a touch of aged texture.
                
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                      Display Vintage Decor
                    
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                  For a mix of both masculine and feminine style, add vintage electronic objects to your bookshelves, such as cameras, radios or clocks. These items introduce interesting shapes and add a touch of history.
                  
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                  See original blog post 
                  
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                  &lt;a href="https://www.hgtv.com/shows/one-thing-five-ways/how-to-style-your-bookshelf-pictures?nl=HGDaily_032520_threeup1_style-a-bookshelf-with-these-10-items&amp;amp;bid=19806835&amp;amp;c32=271bf75c9a5d6630a6190abe8a69f5369199313d&amp;amp;ssid=POSTUP_2018_HGTV&amp;amp;sni_by=&amp;amp;sni_gn=" target="_blank"&gt;&#xD;
                    
                                    
                    HERE
                  
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      <pubDate>Wed, 25 Mar 2020 16:47:54 GMT</pubDate>
      <guid>https://www.bellahomesiowa.com/style-your-bookshelf-like-a-boss-with-these-10-items</guid>
      <g-custom:tags type="string">bookshelf,books,decorate,ideas,style</g-custom:tags>
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      <title>Cleaning &amp; Disinfecting</title>
      <link>https://www.bellahomesiowa.com/cleaning-disinfecting</link>
      <description>In light of COVID-19, we thought we would share CDC recommendations for US households when it comes to cleaning and disinfecting!</description>
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  In light of COVID-19, we thought we would share CDC recommendations for US households when it comes to cleaning and disinfecting!

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        Background
      
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    There is much to learn about the novel coronavirus that causes 
    
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      coronavirus disease 2019
    
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     (COVID-19). Based on what is currently known about the novel coronavirus and similar coronaviruses that cause SARS and MERS, spread from person-to-person with these viruses happens most frequently among close contacts (within about 6 feet). This type of transmission occurs via respiratory droplets. On the other hand, transmission of novel coronavirus to persons from surfaces contaminated with the virus has not been documented. Transmission of coronavirus occurs much more commonly through respiratory droplets than through fomites. Current evidence suggests that novel coronavirus may remain viable for hours to days on surfaces made from a variety of materials. Cleaning of visibly dirty surfaces followed by disinfection is a best practice measure for prevention of COVID-19 and other viral respiratory illnesses in households and community settings.
  
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        Purpose
      
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    This guidance provides recommendations on the cleaning and disinfection of households where 
    
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      persons under investigation (PUI)
    
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     or those with confirmed COVID-19 reside or may be in self-isolation. It is aimed at limiting the survival of the virus in the environments. These recommendations will be updated if additional information becomes available.
  
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    These guidelines are focused on household settings and are meant for the general public.
  
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        Cleaning
      
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       refers to the removal of germs, dirt, and impurities from surfaces. Cleaning does not kill germs, but by removing them, it lowers their numbers and the risk of spreading infection.
    
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        Disinfecting
      
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       refers to using chemicals to kill germs on surfaces. This process does not necessarily clean dirty surfaces or remove germs, but by killing germs on a surface 
      
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        after 
      
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      cleaning, it can further lower the risk of spreading infection.
    
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        General Recommendations for Routine Cleaning and Disinfection of Households
      
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    Community members can practice routine cleaning of frequently touched surfaces (for example: tables, doorknobs, light switches, handles, desks, toilets, faucets, sinks) with household cleaners and EPA-registered disinfectants that are appropriate for the surface, following label instructions. Labels contain instructions for safe and effective use of the cleaning product including precautions you should take when applying the product, such as wearing gloves and making sure you have good ventilation during use of the product.
  
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        General Recommendations for Cleaning and Disinfection of Households with People Isolated in Home Care (e.g. Suspected/Confirmed to have COVID-19)
      
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      Household members should educate themselves about COVID-19 symptoms and preventing the spread of COVID-19 in homes.
    
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        Clean and disinfect high-touch surfaces daily in household common areas (e.g. 
      
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        tables, hard-backed chairs, doorknobs, light switches, remotes, handles, desks, toilets, sinks)
      
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          In the bedroom/bathroom dedicated for an ill person: consider reducing cleaning frequency to 
          
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           (e.g., soiled items and surfaces) to avoid unnecessary contact with the ill person.
          
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              As much as possible, an ill person should stay in a specific room and away from other people in their home, following 
              
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                home care guidance
              
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              The caregiver can provide personal cleaning supplies for an ill person’s room and bathroom, unless the room is occupied by child or another person for whom such supplies would not be appropriate. These supplies include tissues, paper towels, cleaners and EPA-registered disinfectants (examples at 
              
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              ).
            
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              If a separate bathroom is not available, the bathroom should be cleaned and disinfected after each use by an ill person. If this is not possible, the caregiver should wait as long as practical after use by an ill person to clean and disinfect the high-touch surfaces.
            
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      Household members should follow 
      
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        home care guidance
      
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       when interacting with persons with suspected/confirmed COVID-19 and their isolation rooms/bathrooms.
    
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        How to clean and disinfect:
      
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      Surfaces
    
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      Wear disposable gloves when cleaning and disinfecting surfaces. Gloves should be discarded after each cleaning. If reusable gloves are used, those gloves should be dedicated for cleaning and disinfection of surfaces for COVID-19 and should not be used for other purposes. Consult the manufacturer’s instructions for cleaning and disinfection products used. 
      
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        Clean hands
      
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      If surfaces are dirty, they should be cleaned using a detergent or soap and water prior to disinfection.
    
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      For disinfection, diluted household bleach solutions, alcohol solutions with at least 70% alcohol, and most common EPA-registered household disinfectants should be effective.
      
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          Diluted household bleach solutions can be used if appropriate for the surface. Follow manufacturer’s instructions for application and proper ventilation. Check to ensure the product is not past its expiration date. Never mix household bleach with ammonia or any other cleanser. Unexpired household bleach will be effective against coronaviruses when properly diluted.
          
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              Prepare a bleach solution by mixing:
              
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                  5 tablespoons (1/3rd cup) bleach per gallon of water or
                
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                  4 teaspoons bleach per quart of water
                
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            Products with EPA-approved emerging viral pathogens claimspdf iconexternal icon
          
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           are expected to be effective against COVID-19 based on data for harder to kill viruses. Follow the manufacturer’s instructions for all cleaning and disinfection products (e.g., concentration, application method and contact time, etc.).
        
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      For soft (porous) surfaces such as carpeted floor, rugs, and drapes, remove visible contamination if present and clean with appropriate cleaners indicated for use on these surfaces. After cleaning:
      
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          Launder items as appropriate in accordance with the manufacturer’s instructions. If possible, launder items using the warmest appropriate water setting for the items and dry items completely, or
          
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          Use products with the EPA-approved emerging viral pathogens claims (examples at 
          
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          ) that are suitable for porous surfaces.
        
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       Clothing, towels, linens and other items that go in the laundry
    
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      Wear disposable gloves when handling dirty laundry from an ill person and then discard after each use. If using reusable gloves, those gloves should be dedicated for cleaning and disinfection of surfaces for COVID-19 and should not be used for other household purposes. 
      
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        Clean hands
      
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          If no gloves are used when handling dirty laundry, be sure to wash hands afterwards.
        
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          If possible, do not shake dirty laundry. This will minimize the possibility of dispersing virus through the air.
        
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          Launder items as appropriate in accordance with the manufacturer’s instructions. If possible, launder items using the warmest appropriate water setting for the items and dry items completely. Dirty laundry from an ill person can be washed with other people’s items.
        
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          Clean and disinfect clothes hampers according to guidance above for surfaces. If possible, consider placing a bag liner that is either disposable (can be thrown away) or can be laundered.
        
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        Hand hygiene and other preventive measures
      
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    &lt;li&gt;&#xD;
      
                      
      Household members should 
      
                      &#xD;
      &lt;a href="https://www.cdc.gov/handwashing/when-how-handwashing.html"&gt;&#xD;
        
                        
        clean hands
      
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      &lt;/a&gt;&#xD;
      
                      
       often, including immediately after removing gloves and after contact with an ill person, by washing hands with soap and water for 20 seconds. If soap and water are not available and hands are not visibly dirty, an alcohol-based hand sanitizer that contains at least 60% alcohol may be used. However, if hands are visibly dirty, always wash hands with soap and water.
    
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    &lt;li&gt;&#xD;
      
                      
      Household members should follow normal preventive actions while at work and home including recommended 
      
                      &#xD;
      &lt;a href="https://www.cdc.gov/handwashing/when-how-handwashing.html"&gt;&#xD;
        
                        
        hand hygiene
      
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       and avoiding touching eyes, nose, or mouth with unwashed hands.
      
                      &#xD;
      &lt;ul&gt;&#xD;
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          Additional key times to clean hands include:
          
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              After blowing one’s nose, coughing, or sneezing
            
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              After using the restroom
            
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              Before eating or preparing food
            
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              After contact with animals or pets
            
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            &lt;li&gt;&#xD;
              
                              
              Before and after providing routine care for another person who needs assistance (e.g. a child)
            
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        &lt;/li&gt;&#xD;
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      &lt;b&gt;&#xD;
        
                        
        Other considerations
      
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      The ill person should eat/be fed in their room if possible. Non-disposable food service items used should be handled with gloves and washed with hot water or in a dishwasher. 
      
                      &#xD;
      &lt;a href="https://www.cdc.gov/handwashing/when-how-handwashing.html"&gt;&#xD;
        
                        
        Clean hands
      
                      &#xD;
      &lt;/a&gt;&#xD;
      
                      
       after handling used food service items.
    
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    &lt;/li&gt;&#xD;
    &lt;li&gt;&#xD;
      
                      
      If possible, dedicate a lined trash can for the ill person. Use gloves when removing garbage bags, handling, and disposing of trash. 
      
                      &#xD;
      &lt;a href="https://www.cdc.gov/handwashing/when-how-handwashing.html"&gt;&#xD;
        
                        
        Wash hands
      
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      &lt;/a&gt;&#xD;
      
                      
       after handling or disposing of trash.
    
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      Consider consulting with your local health department about trash disposal guidance if available.
    
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    &lt;/li&gt;&#xD;
  &lt;/ul&gt;&#xD;
  &lt;br/&gt;&#xD;
  &lt;a href="https://www.cdc.gov/coronavirus/2019-ncov/prepare/cleaning-disinfection.html?CDC_AA_refVal=https%3A%2F%2Fwww.cdc.gov%2Fcoronavirus%2F2019-ncov%2Fcommunity%2Fhome%2Fcleaning-disinfection.html" target="_blank"&gt;&#xD;
    
                    
    LEARN MORE HERE and see the original post.
  
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&lt;/div&gt;</content:encoded>
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      <pubDate>Tue, 17 Mar 2020 13:43:36 GMT</pubDate>
      <guid>https://www.bellahomesiowa.com/cleaning-disinfecting</guid>
      <g-custom:tags type="string">cleaning,COVID,19,disinfect,clean,disinfecting</g-custom:tags>
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    <item>
      <title>5 Things to Know...</title>
      <link>https://www.bellahomesiowa.com/things-to-know</link>
      <description>Are you considering working with a builder to custom-build your dream home? Here are five things you need to know before you start!</description>
      <content:encoded>&lt;h3&gt;&#xD;
  
                  
  Are you considering working with a builder to custom-build your dream home? Here are five things you need to know before you start!

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                    Building your new home is an exciting and at times overwhelming experience, but for your builder it is very routine, which is why you need to be an active participant in all aspects of the home building process to ensure you end up with "YOUR" dream home. 
  
                    &#xD;
    &lt;br/&gt;&#xD;
    &lt;br/&gt;&#xD;
    
                    
  Building your new home cannot be a passive exercise, because there are so many decisions that "must be" made by you. If you are unable or unwilling to make these decisions, you will force your builder to make them and run the risk that your new home won't turn out the way you envisioned it or cost what you thought. Here are 5 things you must know and take into consideration when building your new home: 
  
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    1. Know your numbers
  
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  Before you start building your new home, run some numbers to determine whether you can afford to build the home you want. Most house plans offer a cost to build tool (usually for a nominal fee) to give you an accurate estimate of construction costs based on where you're building. The numbers include the costs of construction, tax benefits, funds for the down payment and slush account, and other related calculations. 
  
                    &#xD;
    &lt;br/&gt;&#xD;
    &lt;br/&gt;&#xD;
    
                    
  Once you've determined you can afford to build the house you want — purchase your house plan and head to the bank to arrange for financing. Keep in mind that home construction lending is a little different than regular mortgage financing. First you'll need a home construction line of credit that will be used to pay subcontractors and suppliers who perform work and provide supplies. Once your house is constructed, you will need a residential mortgage to pay off the construction line. 
  
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    &lt;b&gt;&#xD;
      
                      
    2. Check the reputation of your builder
  
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    &lt;br/&gt;&#xD;
    
                    
  Many builders are out there, but not all are created equal. Do a little research to find out which builders have the best reputation. Whether you search for information online or get recommendations from your family and friends, find out whether a builder is respected for doing quality work as well as being punctual. Our architects and designers recommend that you use only builders who are members of the National Association of Home Builders (NAHB). 
  
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    &lt;b&gt;&#xD;
      
                      
    3. Build with resale in mind
  
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  No matter how much you love the house that you are building, it's unlikely that it will be the last home you will ever own. Knowing that, you should be mindful of its potential resale value. Don't add so many upgrades that you overprice your home for the neighborhood. And don't choose anything too out of the ordinary. Ask yourself if the features you're considering installing are likely going to appeal to others. 
  
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    &lt;b&gt;&#xD;
      
                      
    4. Think Green
  
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    &lt;br/&gt;&#xD;
    
                    
  Make sure you do your research to maximize energy-efficiency in the design of your new home. Your architect and builder can help ensure that your windows are South-facing so you get as much sunshine as possible heating your home. You'll want to makes sure that bathrooms, laundries and garages are on the south side of your home and have small windows to minimize heat loss. Spend time choosing your insulation and HVAC systems, as well as energy-efficient appliances and WaterSense faucets and toilets. 
  
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    &lt;b&gt;&#xD;
      
                      
    5. Don't forget the punch
  
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    &lt;br/&gt;&#xD;
    &lt;br/&gt;&#xD;
    
                    
  Part of the final phase of building a new home is to go over your "punch list." A punch list is a list created at the end of construction that shows what needs to still be done or what needs to be repaired on the new construction. You and your contractor will create this list the week before closing when you go through your final walk through. You should be taking notes every time you visit your construction site or do a walk through. 
  
                    &#xD;
    &lt;br/&gt;&#xD;
    &lt;br/&gt;&#xD;
    
                    
  If you have a real estate agent, it's a good idea to have them participate in the punch list because they are not emotionally attached to your home and may have a better eye for identifying flaws. 
  
                    &#xD;
    &lt;br/&gt;&#xD;
    &lt;br/&gt;&#xD;
    
                    
  When creating a punch list for your new home, keep in mind that problems typically fall into two categories: reasonable flaws and unreasonable flaws. Reasonable flaws are flaws that fall within the tolerances of building construction (or insignificant flaws that generally do not affect the quality of the new home). On the other hand, unreasonable flaws are flaws that have to be fixed. These problems do affect the quality of the home. Once any unreasonable flaws are corrected in your new home, this is called substantial completion, which means the new home is livable and can be occupied. Before closing on your new home, you'll have one final walk through to verify that the items on your punch list were fixed. As long as the new home has reached the point of substantial completion, you should be able to proceed with closing even if everything was not completed. 
  
                    &#xD;
    &lt;br/&gt;&#xD;
    &lt;br/&gt;&#xD;
    
                    
  Be sure you put the money for the completion of your punch list in escrow. This will allow you to move into your new home while still requiring the builder to complete the items on the punch list. The punch list marks an exciting time in the process of building your new home, because your home is almost done! Remember not to get so excited that that you breeze through your punch list, because you don't want regret that you didn't take the time to fix these problems.
  
                    &#xD;
    &lt;br/&gt;&#xD;
    &lt;br/&gt;&#xD;
    &lt;i&gt;&#xD;
      
                      
    Original Post: 
    
                      &#xD;
      &lt;a href="https://www.thehousedesigners.com/articles/5ThingsYouNeed.asp" target="_blank"&gt;&#xD;
        
                        
      HERE
    
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&lt;/div&gt;</content:encoded>
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      <pubDate>Fri, 28 Feb 2020 14:24:43 GMT</pubDate>
      <guid>https://www.bellahomesiowa.com/things-to-know</guid>
      <g-custom:tags type="string">build,new,know,5,custom,builder</g-custom:tags>
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    <item>
      <title>Top Design Styles</title>
      <link>https://www.bellahomesiowa.com/top-design-styles</link>
      <description>From farmhouse to modern style, a few thoughtful details will transform your interiors and offer a big impact for a small investment.</description>
      <content:encoded>&lt;h3&gt;&#xD;
  
                  
  From farmhouse to modern style, a few thoughtful details will transform your interiors and offer a big impact for a small investment.

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  &lt;p&gt;&#xD;
    
                    
    When you walk inside your home, you want the space to feel comfortable and attractive, with a distinct personality; a place you never want to leave and others feel welcome. You may not have a degree in interior design, but don't let that stop you from taking the time to wisely select interior details to transform any space. Whatever home style you tend to love, whether Southwestern or Rustic, Modern, Craftsman or any number of others, highlight specific features to really bring the style to life!
  
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  Learn more about a variety of styles to choose from and ways to enhance that specific feel in your home for a 
  
                  &#xD;
  &lt;a href="https://www.hgtv.com/design/remodel/interior-remodel/interior-details-for-top-design-styles" target="_blank"&gt;&#xD;
    
                    
    top design
  
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  .
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      <pubDate>Mon, 24 Feb 2020 20:17:08 GMT</pubDate>
      <guid>https://www.bellahomesiowa.com/top-design-styles</guid>
      <g-custom:tags type="string">design,details,interior,space,style</g-custom:tags>
      <media:content medium="image" url="https://irp-cdn.multiscreensite.com/f61e2903/dms3rep/multi/colonial_btz5yroQIKYUdZM2JgvB-616x462.jpg">
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      <title>Decorating With Red</title>
      <link>https://www.bellahomesiowa.com/decorating-with-red</link>
      <description>Since Valentine's Day is right around the corner, check out what HGTV has to say about gorgeous ways to add red to every space.</description>
      <content:encoded>&lt;h3&gt;&#xD;
  
                  
  Since Valentine's Day is right around the corner, check out what HGTV has to say about gorgeous ways to add red to every space.

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&lt;div&gt;&#xD;
  &lt;img src="https://irp-cdn.multiscreensite.com/f61e2903/dms3rep/multi/red-966x644.jpeg" alt="" title=""/&gt;&#xD;
&lt;/div&gt;&#xD;
&lt;div data-rss-type="text"&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    Don't be shy - consider adding some bold red to any space in your home! 
  
                    &#xD;
    &lt;a href="https://www.hgtv.com/design/decorating/color/decorating-with-red-pictures?nl=HGI_021220_featbtn_decorate-red&amp;amp;bid=19418652&amp;amp;c32=271bf75c9a5d6630a6190abe8a69f5369199313d&amp;amp;ssid=POSTUP_2018_HGTV&amp;amp;sni_by=&amp;amp;sni_gn=" target="_blank"&gt;&#xD;
      
                      
    Check out 50 Ways to Decorate with Red
  
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  !
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      <pubDate>Thu, 13 Feb 2020 23:57:35 GMT</pubDate>
      <guid>https://www.bellahomesiowa.com/decorating-with-red</guid>
      <g-custom:tags type="string">Valentine,Day,Decorate,red,HGTV,ideas</g-custom:tags>
      <media:content medium="image" url="https://irp-cdn.multiscreensite.com/f61e2903/dms3rep/multi/red_HqpL7wXTriwTG7zV3pzW-966x644.jpeg">
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      <title>Ribbon Cutting</title>
      <link>https://www.bellahomesiowa.com/ribbon-cutting</link>
      <description>Join The Vineyard and Bella Homes tomorrow, Wednesday December 11 for our Ribbon Cutting ceremony!</description>
      <content:encoded>&lt;h3&gt;&#xD;
  
                  
  Join The Vineyard and Bella Homes tomorrow, Wednesday December 11 for our Ribbon Cutting ceremony!

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    Learn more by visiting our 
  
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    &lt;a href="https://www.facebook.com/events/547297995839570/"&gt;&#xD;
      &lt;b&gt;&#xD;
        
                        
      event page
    
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    . 
  
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      <pubDate>Tue, 10 Dec 2019 18:25:31 GMT</pubDate>
      <guid>https://www.bellahomesiowa.com/ribbon-cutting</guid>
      <g-custom:tags type="string">ribbon,cutting,ceremony,vineyard,open,celebrate</g-custom:tags>
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      <title>31st Annual Altrusa International of Ames Holiday Home Tour</title>
      <link>https://www.bellahomesiowa.com/31st-annual-altrusa-international-of-ames-holiday-home-tour</link>
      <description>The 31st Annual Altrusa International of Ames Holiday Home Tour is here! Enjoy touring 5 gorgeous and beautifully decorated homes in Ames, while also supporting local non-profits. A great way to spend your weekend!</description>
      <content:encoded>&lt;h3&gt;&#xD;
  
                  
  Come and enjoy bringing in the holiday season by touring beautifully decorated homes while also supporting local non-profits of Ames, which include: Mid Iowa Community Action, Inc., ChildServe, Days for Girls Sewing Team, and the Ames History Museum.

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                    Mark your calendars for this coming Saturday, December 7 and Sunday, December 8 for the 2019 Altrusa International of Ames Holiday Home Tour!  The five homes will be open for touring from 1:00-5:00pm on both days. Tickets are $15 in advance, $20 at the door and may be purchased at the following locations:
  
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  Coe's Floral
  
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  Mary Kay's Flowers
  
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  Evert's Flowers &amp;amp; Gifts
  
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  From you favorite member of Altrusa!
  
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    &lt;br/&gt;&#xD;
    
                    
  You may use tickets to tour all five homes on one day, or split your time and see some on Saturday, the rest on Sunday. Come and enjoy bringing in the holiday season while supporting local non-profits, which includes:
  
                    &#xD;
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  Mid Iowa Community Action, Inc., ChildServe, Days for Girls Sewing Team, and the Ames History Museum.
  
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  Interested in the homes on the tour this year? We have a great variety of older, newer, bigger, smaller,  - you don't want to miss it! Our homeowners are:
  
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  Betty Beisker
  
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  1216 Ridgewood Ave.
  
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  Jody &amp;amp; Jim Atwood
  
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  2363 170th Street
  
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  Mindy &amp;amp; Patrick Bergstrom
  
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  4310 Ballantine Drive
  
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  Meg Davis &amp;amp; Jeremy Fields
  
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  714 Brookridge Ave. 
  
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  Betty &amp;amp; John Boccella
  
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  4613 Clemens Blvd.
  
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  It is going to be another wonderful year to enjoy touring beautiful homes throughout Ames, supporting our community, and enjoying the festivities of the holiday's! See you on the tour!
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      <pubDate>Thu, 05 Dec 2019 20:05:28 GMT</pubDate>
      <guid>https://www.bellahomesiowa.com/31st-annual-altrusa-international-of-ames-holiday-home-tour</guid>
      <g-custom:tags type="string">Tour,Altrusa,Homes,Holiday,Annual,Decorate,House,Christmas,non-profit</g-custom:tags>
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    <item>
      <title>Happy Thanksgiving!</title>
      <link>https://www.bellahomesiowa.com/happy-thanksgiving</link>
      <description>Happy Thanksgiving!</description>
      <content:encoded>&lt;div&gt;&#xD;
  &lt;img src="https://irp-cdn.multiscreensite.com/f61e2903/dms3rep/multi/bella thanksgivining-939x788.jpg" alt="" title=""/&gt;&#xD;
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      <pubDate>Wed, 27 Nov 2019 16:23:50 GMT</pubDate>
      <guid>https://www.bellahomesiowa.com/happy-thanksgiving</guid>
      <g-custom:tags type="string">Thanksgiving</g-custom:tags>
      <media:content medium="image" url="https://irp-cdn.multiscreensite.com/f61e2903/dms3rep/multi/bella%20thanksgivining_MTGbWWxFQ1mjkyQPzo15-939x788.jpg">
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      <title>Wish List</title>
      <link>https://www.bellahomesiowa.com/wish-list</link>
      <description>'Tis the season to start generating a wish list...and maybe this year you should consider building, adding to, or creating a specialty space in your home that will help you enjoy the things you love.</description>
      <content:encoded>&lt;h3&gt;&#xD;
  
                  
  'Tis the season to start generating a wish list...and maybe this year you should consider building, adding to, or creating a specialty space in your home that will help you enjoy the things you love.

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  &lt;img src="https://irp-cdn.multiscreensite.com/f61e2903/dms3rep/multi/dog-1024x681.jpg" alt="" title=""/&gt;&#xD;
&lt;/div&gt;&#xD;
&lt;div data-rss-type="text"&gt;&#xD;
  &lt;p&gt;&#xD;
    &lt;a href="https://www.paradeofhomes.org/" target="_top"&gt;&#xD;
      
                      
    The Parade of Homes
  
                    &#xD;
    &lt;/a&gt;&#xD;
    
                    
   has published some great ideas regarding specialty spaces for your home! As you start thinking about the holiday season and the upcoming new year, consider adding a "speciality room" to your wish list! If you already have a special space, build on it, change it, etc.! Learn more 
  
                    &#xD;
    &lt;a href="https://www.paradeofhomes.org/blog/your-home-your-way-specialty-spaces/" target="_blank"&gt;&#xD;
      
                      
    here
  
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    &lt;/a&gt;&#xD;
    
                    
  .
                  &#xD;
  &lt;/p&gt;&#xD;
&lt;/div&gt;</content:encoded>
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      <pubDate>Thu, 14 Nov 2019 21:12:31 GMT</pubDate>
      <guid>https://www.bellahomesiowa.com/wish-list</guid>
      <g-custom:tags type="string">wish,special,specialty,office,rec,hobby,new</g-custom:tags>
      <media:content medium="image" url="https://irp-cdn.multiscreensite.com/f61e2903/dms3rep/multi/dog_1bck0WLHQtOiZQDlIhOQ-1024x681.jpg">
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      <title>Decorating for Autumn</title>
      <link>https://www.bellahomesiowa.com/fall-decor</link>
      <description>With Thanksgiving fast-approaching, if your home isn't already looking like fall, here are over 50 ideas for ways to decorate beautifully for the autumn season.</description>
      <content:encoded>&lt;h3&gt;&#xD;
  
                  
  With Thanksgiving fast-approaching, if your home isn't already looking like fall, here are over 50 ideas for ways to decorate beautifully for the autumn season.

                &#xD;
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&lt;div&gt;&#xD;
  &lt;img src="https://irp-cdn.multiscreensite.com/f61e2903/dms3rep/multi/blog-810x1215.jpg" alt="" title=""/&gt;&#xD;
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&lt;div data-rss-type="text"&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    Thankfully for us, 
  
                    &#xD;
    &lt;a href="https://www.southernliving.com/" target="_blank"&gt;&#xD;
      
                      
    Southern Living
  
                    &#xD;
    &lt;/a&gt;&#xD;
    
                    
   has put together over 50 easy DIY ideas for decorating with autumn in mind! Some ideas wouldn't take more than a few minutes, other a little more time and budget, but still completely doable! Since Halloween is today, that means ghosts and goblins are out, pumpkins, cornhusks, and haystacks are in! Check out all the ideas 
  
                    &#xD;
    &lt;a href="https://www.southernliving.com/home-garden/decorating/fall-decorating-ideas?slide=634502#634502" target="_blank"&gt;&#xD;
      
                      
    HERE
  
                    &#xD;
    &lt;/a&gt;&#xD;
    
                    
  .
                  &#xD;
  &lt;/p&gt;&#xD;
&lt;/div&gt;</content:encoded>
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      <pubDate>Thu, 31 Oct 2019 18:42:32 GMT</pubDate>
      <guid>https://www.bellahomesiowa.com/fall-decor</guid>
      <g-custom:tags type="string">decorate,ideas,idea,DIY,autumn,fall,pumpkin,cornhusk,southern,living</g-custom:tags>
      <media:content medium="image" url="https://irp-cdn.multiscreensite.com/f61e2903/dms3rep/multi/blog_l3sptESoQSCfcWSaJDEo-810x1215.jpg">
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    <item>
      <title>Bella Vista Fall Pie Event</title>
      <link>https://www.bellahomesiowa.com/bella-vista-fall-pie-event</link>
      <description>Tour completed homes and learn more about the Bella Vista 55+ Community in Huxley, IA while enjoying delicious, homemade pie!</description>
      <content:encoded>&lt;h3&gt;&#xD;
  
                  
  Tour completed homes and learn more about the Bella Vista 55+ Community in Huxley, IA while enjoying delicious, homemade pie!

                &#xD;
&lt;/h3&gt;&#xD;
&lt;div&gt;&#xD;
  &lt;img src="https://irp-cdn.multiscreensite.com/f61e2903/dms3rep/multi/BV Pie - Flyer-816x1056.jpg" alt="" title=""/&gt;&#xD;
&lt;/div&gt;&#xD;
&lt;div data-rss-type="text"&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    Are you or is someone you know interested in making a move to "smart-living"? This event is made for you! To learn more, head to the Facebook event by clicking 
  
                    &#xD;
    &lt;a href="https://www.facebook.com/events/2311857502458013/" target="_blank"&gt;&#xD;
      
                      
    HERE
  
                    &#xD;
    &lt;/a&gt;&#xD;
    
                    
  .
                  &#xD;
  &lt;/p&gt;&#xD;
&lt;/div&gt;</content:encoded>
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      <pubDate>Thu, 10 Oct 2019 20:10:13 GMT</pubDate>
      <guid>https://www.bellahomesiowa.com/bella-vista-fall-pie-event</guid>
      <g-custom:tags type="string">pie,bella,huxley,homes,tour,55+,community,fall,event</g-custom:tags>
      <media:content medium="image" url="https://irp-cdn.multiscreensite.com/f61e2903/dms3rep/multi/BV%20Pie%20-%20Flyer_JKNp9JBVRgGsfjlhEdbn-816x1056.jpg">
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    <item>
      <title>Smart-Sizing</title>
      <link>https://www.bellahomesiowa.com/smart-sizing</link>
      <description>“Older home buyers today are ‘smart-sizing’ rather than just downsizing,” says Mollie Carmichael, a principal with Meyers Research, a housing research firm in Costa Mesa, Calif. “Affordability is a big priority before and during retirement, so people think they need to downsize for financial security, but that’s not always true.”</description>
      <content:encoded>&lt;h3&gt;&#xD;
  
                  
  “Older home buyers today are ‘smart-sizing’ rather than just downsizing,” says Mollie Carmichael, a principal with Meyers Research, a housing research firm in Costa Mesa, Calif. “Affordability is a big priority before and during retirement, so people think they need to downsize for financial security, but that’s not always true.”

                &#xD;
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&lt;div&gt;&#xD;
  &lt;img src="https://irp-cdn.multiscreensite.com/f61e2903/dms3rep/multi/houses-691586_640-640x426.jpg" alt="" title=""/&gt;&#xD;
&lt;/div&gt;&#xD;
&lt;div data-rss-type="text"&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    A very interesting read from The Washington Post about why many older home buyers are ‘smart sizing’ rather than downsizing - 
  
                    &#xD;
    &lt;a href="https://www.washingtonpost.com/realestate/why-many-older-home-buyers-are-smart-sizing-rather-than-downsizing/2019/09/18/70a86b56-cb3c-11e9-be05-f76ac4ec618c_story.html"&gt;&#xD;
      
                      
    click here to check it out!
  
                    &#xD;
    &lt;/a&gt;&#xD;
    &lt;br/&gt;&#xD;
    &lt;br/&gt;&#xD;
    
                    
  And to learn more about "smart-sizing" with Bella Homes, check out some of our 55+ Communities by 
  
                    &#xD;
    &lt;a href="http://www.bellahomesiowa.com"&gt;&#xD;
      
                      
    clicking here
  
                    &#xD;
    &lt;/a&gt;&#xD;
    
                    
  !
                  &#xD;
  &lt;/p&gt;&#xD;
&lt;/div&gt;</content:encoded>
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      <pubDate>Thu, 26 Sep 2019 21:21:24 GMT</pubDate>
      <guid>https://www.bellahomesiowa.com/smart-sizing</guid>
      <g-custom:tags type="string">smart,down,small,community,55,neighborhood,downsize</g-custom:tags>
      <media:content medium="image" url="https://irp-cdn.multiscreensite.com/f61e2903/dms3rep/multi/houses-691586_640_vhT8RP3QfusLayd567ne-640x426.jpg">
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    <item>
      <title>Tracey Stoll: Professional Downsizing</title>
      <link>https://www.bellahomesiowa.com/post-title3f28010a</link>
      <description>Don't be intimidated by the thought of downsizing; let a professional assist you and your family with a friendly touch.</description>
      <content:encoded>&lt;h3&gt;&#xD;
  
                  
  Don't be intimidated by the thought of downsizing; let a professional assist you and your family with a friendly touch.

                &#xD;
&lt;/h3&gt;&#xD;
&lt;div&gt;&#xD;
  &lt;img src="https://irp-cdn.multiscreensite.com/f61e2903/dms3rep/multi/19060137_433943393665175_4888401926663979832_n-231x231.png" alt="" title=""/&gt;&#xD;
&lt;/div&gt;&#xD;
&lt;div data-rss-type="text"&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    This past week, Kris Gardner of  Bella Homes met with Tracey Stoll, a professional who assists people with downsizing and moving. If you or a family member are considering moving to one of our 55+ developments (The Vineyard in Ankeny or Bella Vista in Huxley), Tracey may be just the person you need to help make it happen!
  
                    &#xD;
    &lt;br/&gt;&#xD;
    &lt;br/&gt;&#xD;
    
                    
  The services that Tracey offers include a free initial consultation along with the sorting of items and arranging for donating and giving away, consignment, auction, or estate sale, and disposing; help planning furniture placement in new home; packing &amp;amp; unpacking possessions; arranging &amp;amp; scheduling movers.
  
                    &#xD;
    &lt;br/&gt;&#xD;
    &lt;br/&gt;&#xD;
    
                    
  Don't let the [potentially] overwhelming thought of downsizing keep you from making the move - there are people to help! See the interview between Kris and Tracey by clicking 
  
                    &#xD;
    &lt;a href="https://www.facebook.com/BellaHomesIowa/posts/2517338241666166"&gt;&#xD;
      
                      
    HERE
  
                    &#xD;
    &lt;/a&gt;&#xD;
    
                    
   or visit the Facebook page of Tracey Stoll Professional Downsizing 
  
                    &#xD;
    &lt;a href="https://www.facebook.com/tsdownsizing/"&gt;&#xD;
      
                      
    HERE
  
                    &#xD;
    &lt;/a&gt;&#xD;
    
                    
  .
                  &#xD;
  &lt;/p&gt;&#xD;
&lt;/div&gt;</content:encoded>
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      <pubDate>Thu, 19 Sep 2019 18:05:35 GMT</pubDate>
      <guid>https://www.bellahomesiowa.com/post-title3f28010a</guid>
      <g-custom:tags type="string">downsize,move,moving,professional,help,tracey,throw,55+</g-custom:tags>
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      <title>Cy-Hawk Trophy</title>
      <link>https://www.bellahomesiowa.com/cy-hawk-trophy</link>
      <description>Which do you bleed - cardinal or gold?</description>
      <content:encoded>&lt;h3&gt;&#xD;
  
                  
  If you have lived in Central Iowa for even a minute, you are well aware of the rivalry between the Iowa State Cyclones and the Iowa Hawkeyes. The question is - who does your household support, or are you a house divided?

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  &lt;p&gt;&#xD;
    
                    To be an Iowan is to be many things: kindhearted and welcoming; hardworking; family-oriented. But if you are 
  
                    &#xD;
    &lt;i&gt;&#xD;
      
                      
    truly
  
                    &#xD;
    &lt;/i&gt;&#xD;
    
                    
   an Iowan, you will either bleed cardinal or you will bleed gold. The choice is yours. 
  
                    &#xD;
    &lt;br/&gt;&#xD;
    &lt;br/&gt;&#xD;
    
                    
  Every year for the last three decades the entire state of Iowa watches one of the biggest college football rivalry games: Iowa State University and the University of Iowa. Each year the teams work hard to earn the coveted Cy-Hawk Trophy. This year people are really looking forward to the game considering ESPN's "College GameDay" picked Ames for its Saturday morning destination. An added element of excitement to be sure.
  
                    &#xD;
    &lt;br/&gt;&#xD;
    &lt;br/&gt;&#xD;
    
                    
  While there is much to enjoy before, after and during the game, there is a larger question at hand. In the above image, which room are you more likely to spend your time? What kind of room would you add to your home if you could? 
  
                    &#xD;
    &lt;br/&gt;&#xD;
    &lt;br/&gt;&#xD;
    
                    
  At the end of the day, we are all glad to be Iowan's supporting two great teams. Go Cyclon....er.... Good luck to both!
  
                    &#xD;
    &lt;br/&gt;&#xD;
  &lt;/p&gt;&#xD;
&lt;/div&gt;</content:encoded>
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      <pubDate>Thu, 12 Sep 2019 20:18:10 GMT</pubDate>
      <guid>https://www.bellahomesiowa.com/cy-hawk-trophy</guid>
      <g-custom:tags type="string">iowa,state,cylcone,hawkeye</g-custom:tags>
      <media:content medium="image" url="https://irp-cdn.multiscreensite.com/f61e2903/dms3rep/multi/iai_8Ahx9TvZSyKIa6YeVe6d-2989x1680.jpg">
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      <title>53rd Annual World Champion Chili Cook-Off</title>
      <link>https://www.bellahomesiowa.com/post-title</link>
      <description>This weekend, more than 500 of the World’s Best Chili chefs, 17 bands and musicians, and craft beers will take center stage as the ICS World Champion Chili Cook-offs come to The District at Prairie Trail in Ankeny.</description>
      <content:encoded>&lt;h3&gt;&#xD;
  
                  
  This weekend, more than 500 of the World’s Best Chili chefs, 17 bands and musicians, and craft beers will take center stage as the ICS World Champion Chili Cook-offs come to The District at Prairie Trail in Ankeny.

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&lt;div data-rss-type="text"&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    With fall fast approaching, a lot of people have chili on the mind....a perfect cold weather dish to serve to family and friends. If you really want to learn from the best, head to the 53rd Annual ICS World Champion Chili Cook-Off! The District at Prairie Trail is proud to host the event this weekend, which runs Friday-Sunday.
  
                    &#xD;
    &lt;br/&gt;&#xD;
    &lt;br/&gt;&#xD;
    
                    
  Learn more about this event and get tickets by visiting the 
  
                    &#xD;
    &lt;a href="https://chilicookoff.com/?fbclid=IwAR0b50_-qyMnTYHPaawpYyvxjlo03dF-Rnq84OSqfoJzcDWKzbsfKt9t-jI"&gt;&#xD;
      
                      
    official website of ICS
  
                    &#xD;
    &lt;/a&gt;&#xD;
    
                    
  . Also be sure to check out the story that 
  
                    &#xD;
    &lt;a href="https://www.weareiowa.com/news/local-news/championship-chili-live-music-and-craft-beer-coming-to-ankeny/?fbclid=IwAR22earUX8tg2cHPXoup_wBGuSwDrUGHZ0md6dn11hCb53LG5mxHQ-47zYk"&gt;&#xD;
      
                      
    KCCI Channel 8
  
                    &#xD;
    &lt;/a&gt;&#xD;
    
                    
   ran along with the 
  
                    &#xD;
    &lt;a href="https://whoradio.iheart.com/content/2019-09-02-world-champion-chili-cook-off-you-can-still-enter/?fbclid=IwAR2V5iUpW979zjiXEhlaMhX0MZ-OnNr-Vd-xWPTDtNIpqDpeOKtsK-3Gt-U#.XW7S1-hc02w.facebook"&gt;&#xD;
      
                      
    Van and Bonnie Show on WHO!
  
                    &#xD;
    &lt;/a&gt;&#xD;
    
                    
   For other updates throughout the event, visit the 
  
                    &#xD;
    &lt;a href="https://www.facebook.com/prairietrailankeny/"&gt;&#xD;
      
                      
    Prairie Trail Facebook page
  
                    &#xD;
    &lt;/a&gt;&#xD;
    
                    
  .
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      <pubDate>Thu, 05 Sep 2019 20:44:07 GMT</pubDate>
      <guid>https://www.bellahomesiowa.com/post-title</guid>
      <g-custom:tags type="string">chili,competition,champion,ICS,WHO,KCCI,Ankeny,prairie,trail,tickets</g-custom:tags>
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      <title>Things to Love About Fall</title>
      <link>https://www.bellahomesiowa.com/things-to-love-about-fall</link>
      <description>Country Living has compiled 18 things to enjoy during the fall season. Take a look and be reminded of all the wonderful reasons we love fall in Iowa.</description>
      <content:encoded>&lt;h3&gt;&#xD;
  
                  
  Country Living has compiled 18 things to enjoy during the fall season. Take a look and be reminded of all the wonderful reasons we love fall in Iowa.

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&lt;div&gt;&#xD;
  &lt;img src="https://irp-cdn.multiscreensite.com/f61e2903/dms3rep/multi/apples-980x1470.jpg" alt="" title=""/&gt;&#xD;
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  &lt;p&gt;&#xD;
    
                    We are getting ever closer to sweater weather, and with that are so many wonderful things to enjoy! In case you've forgotten over the warm summer months all of the reasons you can look forward to fall, head on over to 
  
                    &#xD;
    &lt;a href="https://www.countryliving.com/life/g3782/coziest-things-about-fall/" target="_blank"&gt;&#xD;
      
                      
    Country Living's
  
                    &#xD;
    &lt;/a&gt;&#xD;
    
                    
   website to be reminded. Hello pumpkin spice, apples, football, sweaters, hot chocolate and more!
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      <pubDate>Thu, 29 Aug 2019 20:59:44 GMT</pubDate>
      <guid>https://www.bellahomesiowa.com/things-to-love-about-fall</guid>
      <g-custom:tags type="string">fall,sweater,cool,cold,weather,apples,pumpkins,food,football</g-custom:tags>
      <media:content medium="image" url="https://irp-cdn.multiscreensite.com/f61e2903/dms3rep/multi/apples_IlOClbwR8WiSEJzWlmCy-980x1470.jpg">
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      <title>SUBLIME SUMMER SPACE SAVERS: 6 PERFECT PETITE PATIOS</title>
      <link>https://www.bellahomesiowa.com/sublime-summer-space-savers-6-perfect-petite-patios</link>
      <description>Enjoy what we have left of summer and make the most of your outdoor space, even if it's small!</description>
      <content:encoded>&lt;h3&gt;&#xD;
  
                  
  Summer isn't quite over - make the most of your outdoor space!

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&lt;div data-rss-type="text"&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    Have you been looking at your "small" outdoor space, wishing it were bigger in order to enjoy? Don't let space (or lack thereof) keep you from making the most of what we have left of summer! Check out this article from the Des Moines Home and Garden Show blog, with ideas on how to 
  
                    &#xD;
    &lt;a href="https://desmoineshomeandgardenshow.com/blog-social/marketplace-events-home-garden-blog/2019/04/24/sublime-summer-space-savers-6-perfect-petite-patios" target="_blank"&gt;&#xD;
      
                      
    make a perfect petite patio!
  
                    &#xD;
    &lt;/a&gt;&#xD;
  &lt;/p&gt;&#xD;
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      <pubDate>Wed, 21 Aug 2019 21:41:15 GMT</pubDate>
      <guid>https://www.bellahomesiowa.com/sublime-summer-space-savers-6-perfect-petite-patios</guid>
      <g-custom:tags type="string">outdoor,patio,small,petitie,outside,relax,summer,ideas</g-custom:tags>
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      <title>Accentuate!</title>
      <link>https://www.bellahomesiowa.com/accentuate</link>
      <description>Looking to spice things up and change the look of your home? Perhaps an accent wall will do the trick! They can really change the vibe in your home, and it will definitely be for the better. You don't have to deck out all four walls of a room in something bright or wild, you just need a single wall.</description>
      <content:encoded>&lt;h3&gt;&#xD;
  
                  
  Looking to spice things up and change the look of your home? Perhaps an accent wall will do the trick! They can really change the vibe in your home, and it will definitely be for the better. You don't have to deck out all four walls of a room in something bright or wild, you just need a single wall.

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                    Whether you are moving into a brand new home and planning design elements or if you have lived in the same house for decades, an accent wall can add a lot to your home! The good news? There are a wide variety of ways to create a stunning custom look in your home - pick one that fits your style and your budget!
  
                    &#xD;
    &lt;br/&gt;&#xD;
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  We have compiled a handful of blogs with great ideas for you to consider and hopefully implement somewhere in your home. Take a look, explore, and get excited about the way(s) your home can go from drab to fab!
  
                    &#xD;
    &lt;br/&gt;&#xD;
    &lt;br/&gt;&#xD;
    
                    
  1. 
  
                    &#xD;
    &lt;a href="https://www.housebeautiful.com/room-decorating/g24852085/accent-wall-ideas/" target="_blank"&gt;&#xD;
      
                      
    Bold Ideas
  
                    &#xD;
    &lt;/a&gt;&#xD;
    
                    
   - a list of 11 chic ideas to brighten up any home!
  
                    &#xD;
    &lt;br/&gt;&#xD;
    &lt;br/&gt;&#xD;
    
                    
  2. 
  
                    &#xD;
    &lt;a href="https://www.thespruce.com/stunning-budget-accent-wall-ideas-4108544" target="_blank"&gt;&#xD;
      
                      
    Budget Friendly
  
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    &lt;/a&gt;&#xD;
    
                    
   - don't want to break the bank with an accent wall? No problem.
  
                    &#xD;
    &lt;br/&gt;&#xD;
    &lt;br/&gt;&#xD;
    
                    
  3. 
  
                    &#xD;
    &lt;a href="https://www.thespruce.com/living-room-accent-walls-4135943" target="_blank"&gt;&#xD;
      
                      
    Inspiring Living Rooms
  
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    &lt;/a&gt;&#xD;
    
                    
   - great ideas specifically used in a living room.
  
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  4. 
  
                    &#xD;
    &lt;a href="https://www.homedit.com/accent-wall-ideas/" target="_blank"&gt;&#xD;
      
                      
    A Few More Ideas...
  
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    &lt;/a&gt;&#xD;
    
                    
   - in case you haven't seen enough, check out a few more ideas to generate a vision!
  
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    &lt;br/&gt;&#xD;
    &lt;br/&gt;&#xD;
    
                    
  Whatever you decide, enjoy the design process and happy accenting! 
  
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      <pubDate>Thu, 15 Aug 2019 19:19:45 GMT</pubDate>
      <guid>https://www.bellahomesiowa.com/accentuate</guid>
      <g-custom:tags type="string">wall,accent,paint,color,bold,bright,pattern,wood,wallpaper,stone,stripes,chalk</g-custom:tags>
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      <title>Iowa State Fair 2019: Nothing Compares</title>
      <link>https://www.bellahomesiowa.com/iowa-state-fair-2019-nothing-compares</link>
      <description>One of the oldest and largest agricultural expositions in the country - an International acclaimed event that takes place in Iowa’s capital each year. It is the single largest event in Iowa and one of the largest and well-known state fairs in the United States.</description>
      <content:encoded>&lt;h3&gt;&#xD;
  
                  
  The Iowa State Fair is an International acclaimed event that takes place in Iowa’s capital each year. It is the single largest event in Iowa and one of the largest and well-known state fairs in the United States. The fair boasts nearly 200 food stands, as well as a range of live and free entertainment, rides, pageants and more.

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                    Home to nearly 200 local food vendors, you can find just about anything on a stick at the Iowa State Fair. A number of food vendors also feature a variety of vegetarian, vegan and gluten-free options. From musical legends to up-and-coming artists, the Iowa State Fair features countless hours of entertainment, all free of charge with gate admission. You can find everything from pop to rock, folk, country, rock n’ roll and more. In addition to the complimentary entertainment, there are also a number of ticketed grandstand events from world-renowned talent such as The Chainsmokers, Pentatonix and Slipknot. 
  
                    &#xD;
    &lt;br/&gt;&#xD;
    &lt;br/&gt;&#xD;
    
                    
  Learn more about all that the 
  
                    &#xD;
    &lt;a href="https://www.iowastatefair.org/" target="_blank"&gt;&#xD;
      
                      
    Iowa State Fair has to offer
  
                    &#xD;
    &lt;/a&gt;&#xD;
    
                    
  , and don't forget to 
  
                    &#xD;
    &lt;a href="https://www.iowastatefair.org/entertainment/fair-schedule/" target="_blank"&gt;&#xD;
      
                      
    plan your visit
  
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  !
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      <pubDate>Wed, 07 Aug 2019 22:17:03 GMT</pubDate>
      <guid>https://www.bellahomesiowa.com/iowa-state-fair-2019-nothing-compares</guid>
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      <title>Now Trending: Paint and Wallcoverings</title>
      <link>https://www.bellahomesiowa.com/now-trending-paint-and-wallcoverings</link>
      <description>Painting or papering the walls of your home is one of the simplest, most cost-effective changes to make when you’re craving a refresh of your spaces. And thanks to new techniques, materials, and designs, you are only limited by your imagination—or the height of your walls. “Now is the time to express yourself,” says Kathy Basil of Hirshfield’s. “There has never been a better variety.” Here, the manager of the Minneapolis family-owned design shop talks top trends that will add “wow” to your walls.</description>
      <content:encoded>&lt;h3&gt;&#xD;
  
                  
  Painting or papering the walls of your home is one of the simplest, most cost-effective changes to make when you’re craving a refresh of your spaces. And thanks to new techniques, materials, and designs, you are only limited by your imagination—or the height of your walls. “Now is the time to express yourself,” says Kathy Basil of Hirshfield’s. “There has never been a better variety.” Here, the manager of the Minneapolis family-owned design shop talks top trends that will add “wow” to your walls.

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    &lt;b&gt;&#xD;
      
                      
      Statement papers.
    
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  &lt;p&gt;&#xD;
    
                    
    While you may not want to deck your entire living room in large-scale, multicolored florals (a very trendy print right now, by the way), smaller spaces—like a powder room or vestibule—are ideal for experimenting with statement wallpaper that packs a visual punch. “I like my statement papers not to be overwhelming,” says Basil. “It all comes down to, how do you want this space to feel?”
  
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    &lt;b&gt;&#xD;
      
                      
      Performance wallcoverings.
    
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  &lt;p&gt;&#xD;
    
                    
    Materials like grasscloth and sisal have long been admired for their natural, organic look, but because they don’t hold up well to humidity and moisture, they haven’t always been the most practical decorative option. That’s started to change within the past year with the introduction of performance wallcoverings that are not only durable but also aesthetically pleasing. “They look so real and they perform,” says Basil. “You could put them in a mudroom, and your kids can bang their backpacks or hockey sticks or whatever into them, and they don’t do anything.”
  
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      Murals.
    
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  &lt;p&gt;&#xD;
    
                    
    Whether it’s a scenic landscape that recalls a favorite vacation or a bold geometric design that encapsulates your personality, murals offer an alternative to traditional paint and paper. “A mural is a really good thing for an accent wall,” says Basil.
  
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    &lt;b&gt;&#xD;
      
                      
      Color blocking.
    
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  &lt;p&gt;&#xD;
    
                    
    Create a feature wall in your home by painting it a different color than the surrounding walls, a technique known as color blocking. “It’s about contrast. Don’t just hop up two spots on the paint strip,” says Basil, noting that the color should complement your other décor. “If you have a pillow you love on your sofa, it can come from that pillow. It can be coral. It can be teal. It could be a great charcoal. It just needs to come from somewhere.”
  
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    &lt;b&gt;&#xD;
      
                      
      Painted woodwork.
    
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  &lt;p&gt;&#xD;
    
                    
    Skip the stain—classic woodwork takes on new life when painted. “I’m not saying just go through your whole house and paint all your woodwork green,” says Basil, “but if you have a sunroom, or if you have a room off on its own that needs a little personality, [painted woodwork] looks so good.”
  
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    &lt;b&gt;&#xD;
      
                      
      Decorative ceilings.
    
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  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    
    One of the biggest mistakes homeowners make is painting or papering the walls, and then leaving the ceiling blank. “You don’t know it until you compare it side by side,” says Basil. “If you do this great paper and leave your ceiling white, it just looks so unfinished.” She suggests a patterned paper, or a high-gloss or metallic paint that draws the eye upward—but don’t feel like you have to do this in every space. Another way to achieve a cohesive, finished look is by painting the ceiling the same color as the room’s window trim, baseboards, and crown molding.
  
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    &lt;br/&gt;&#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    &lt;i&gt;&#xD;
      
                      
      To learn more and see the original blog post featured on 
    
                    &#xD;
    &lt;/i&gt;&#xD;
    &lt;a href="http://www.paradeofhomes.org"&gt;&#xD;
      &lt;i&gt;&#xD;
        
                        
        www.paradeofhomes.org
      
                      &#xD;
      &lt;/i&gt;&#xD;
    &lt;/a&gt;&#xD;
    &lt;i&gt;&#xD;
      
                      
      , 
    
                    &#xD;
    &lt;/i&gt;&#xD;
    &lt;a href="https://www.paradeofhomes.org/blog/now-trending-paint-and-wallcoverings/" target="_blank"&gt;&#xD;
      &lt;i&gt;&#xD;
        
                        
        click here
      
                      &#xD;
      &lt;/i&gt;&#xD;
    &lt;/a&gt;&#xD;
    &lt;i&gt;&#xD;
      
                      
      . 
    
                    &#xD;
    &lt;/i&gt;&#xD;
  &lt;/p&gt;&#xD;
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  &lt;/p&gt;&#xD;
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      <pubDate>Wed, 31 Jul 2019 20:46:11 GMT</pubDate>
      <guid>https://www.bellahomesiowa.com/now-trending-paint-and-wallcoverings</guid>
      <g-custom:tags type="string">trending,trend,home,ideas,wall,walls,cover,paint,paper,mural,art,artist</g-custom:tags>
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      <title>The Vineyard: Lots Available</title>
      <link>https://www.bellahomesiowa.com/the-vineyard-lots-available</link>
      <description>The Vineyard, Ankeny, Iowa's premier custom residential 55+ community in the Prairie Trail area, is underway! Lots are being bought, homes are being built, and people are moving in. Learn more today about available lots and all that the community has to offer!</description>
      <content:encoded>&lt;h3&gt;&#xD;
  
                  
  Lots available in Ankeny, Iowa's premier custom residential 55+ community, The Vineyard by Bella Homes!

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&lt;div&gt;&#xD;
  &lt;a href="https://www.thevineyardankeny.com/" target="_blank"&gt;&#xD;
    &lt;img src="https://irp-cdn.multiscreensite.com/f61e2903/dms3rep/multi/LOTS AVAILABLE-816x1056.png" alt="" title=""/&gt;&#xD;
  &lt;/a&gt;&#xD;
&lt;/div&gt;</content:encoded>
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      <pubDate>Wed, 24 Jul 2019 19:13:44 GMT</pubDate>
      <guid>https://www.bellahomesiowa.com/the-vineyard-lots-available</guid>
      <g-custom:tags type="string">vineyard,55+,ankeny,iowa,prairie,trail,community,lots,available,sold,home,for,sale</g-custom:tags>
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    <item>
      <title>How’s Your Outdoor Entertainment Game?</title>
      <link>https://www.bellahomesiowa.com/hows-your-outdoor-entertainment-game</link>
      <description>There’s an art to throwing a great backyard party! Learn how to keep your guests around.</description>
      <content:encoded>&lt;h3&gt;&#xD;
  
                  
  There’s an art to throwing a great backyard party! Learn how to keep your guests around.

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  &lt;p&gt;&#xD;
    
                    
    In the warm summer months, there’s nothing better than having friends or family over for a fun backyard party or outdoor barbecue. Whether you have a huge yard or a tiny patio, here are three ways to level up your outdoor entertainment game and keep your guests happy this summer.
  
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    &lt;b&gt;&#xD;
      
                      
      Giant Games - 
    
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    Our guests will undoubtedly be entertained by watching or playing a massive version of popular childhood games, such as Jenga or Connect Four. Try 
    
                    &#xD;
    &lt;a href="http://view.bbsv2.net/bbext/?p=link&amp;amp;id=dc6e1c8a-65d8-3a09-464a-4aa984f9326d&amp;amp;c=46e5b7de-ea68-af53-087f-a79fa5b387a5&amp;amp;cid=8DE2D6EED6052086E0530100007F3B6B&amp;amp;dst=Nzkvc0JrSVV6WlVqSVpoNkFRWkdwYnF0ZWYzVzR1dG82Y1ph%0DSEM3OG9TUFZJTldHaUFxb0tVMEdZZ2h2Ynk4aUlLVGZSUHUrTlBtRkdnclZZWjNMd01MU3RFbnJ6ZDViVEJFWGRTZE9HREhXdjhVUlFRPT0%3D&amp;amp;eml=bXJzamVubmxlZUBnbWFpbC5jb20%3D"&gt;&#xD;
      
                      
      Jenga® GIANT™
    
                    &#xD;
    &lt;/a&gt;&#xD;
    
                    
    ; just like with the tiny version, the goal is to remove and add blocks without knocking over the whole thing. Everyone will be on their toes, watching to see when it will tumble.
  
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    &lt;b&gt;&#xD;
      
                      
      Outdoor Bar with Cooler - 
    
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    A traditional cooler does the trick if you just need your drinks chilled. But step up your game with a nice outdoor bar like 
    
                    &#xD;
    &lt;a href="http://view.bbsv2.net/bbext/?p=link&amp;amp;id=11489e91-8c17-4277-9ed9-65aa62500073&amp;amp;c=46e5b7de-ea68-af53-087f-a79fa5b387a5&amp;amp;cid=8DE2D6EED6052086E0530100007F3B6B&amp;amp;dst=Nzkvc0JrSVV6WlVqSVpoNkZBSmJvYnF3WTdMYjZlUWkvOXhB%0DSEcvd3ZHR0tOOUhHa0FycFBsNUViQmhpZkdGdUpLemRRKzYrTy9MQ1ZnelFlcGZiZ3MvWDZ3UCt3ZGthUTFrWmVqc1FTWFNOcGRBUUFxUUk2bDVvUHM5WWd0eHJYNWhOenZNY2loMTJld1VxTFE9PQ%3D%3D&amp;amp;eml=bXJzamVubmxlZUBnbWFpbC5jb20%3D"&gt;&#xD;
      
                      
      this one
    
                    &#xD;
    &lt;/a&gt;&#xD;
    
                    
     that expands to reveal a spot to add ice and cool your beverages. It’s also great for setting out ingredients for fun mixed drinks.
  
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    &lt;p&gt;&#xD;
      &lt;b&gt;&#xD;
        
                        
        Camouflaged speaker - 
      
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      Playing great music can change the entire atmosphere of a gathering. This 
      
                      &#xD;
      &lt;a href="http://view.bbsv2.net/bbext/?p=link&amp;amp;id=67fc9b54-c98d-aa54-adfd-5ecce0f784cd&amp;amp;c=46e5b7de-ea68-af53-087f-a79fa5b387a5&amp;amp;cid=8DE2D6EED6052086E0530100007F3B6B&amp;amp;dst=Nzkvc0JrSVV6WlVqSVpoNkZ3cGV1YlNxSmJEYTRLa2o5cHhz%0DU0hHa2dGanVEUFdkelIyaktCRklaVEp5ZnhGOUdLN09kZTdqTjlYYmFBVFlQckwvemZubG9SM2M5SXM9&amp;amp;eml=bXJzamVubmxlZUBnbWFpbC5jb20%3D"&gt;&#xD;
        
                        
        weatherproof speaker
      
                      &#xD;
      &lt;/a&gt;&#xD;
      
                      
      , which is camouflaged as a rock, looks like part of your landscaping and can provide a soundtrack to your parties regardless of the weather.
    
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      <pubDate>Fri, 19 Jul 2019 13:24:49 GMT</pubDate>
      <guid>https://www.bellahomesiowa.com/hows-your-outdoor-entertainment-game</guid>
      <g-custom:tags type="string">party,backyard,fun,grill,games,bar,drink,food,entertain,entertainment,guests,guest,music,speaker,cooler,drinks</g-custom:tags>
      <media:content medium="image" url="https://irp-cdn.multiscreensite.com/f61e2903/dms3rep/multi/entertainment_Lkjs5C4RagO8oh76rfHw-1200x1017.png">
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    <item>
      <title>Bella Vista: Tour of Homes</title>
      <link>https://www.bellahomesiowa.com/bella-vista-tour-of-homes</link>
      <description>On Wednesday, July 17 from 4-6pm Bella Vista, a 55+ community in Huxley, is hosting a Tour of Homes! 

Learn more about the community and all it has to offer.</description>
      <content:encoded>&lt;h3&gt;&#xD;
  
                  
  This coming Wednesday, July 17 from 4-6pm 55+ community Bella Vista in Huxley is hosting a Tour of Homes! Learn more about the community and all that it has to offer.

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                    Bella Vista is a community ideal for individuals 55 years of age and older. Located on a cul de sac street off Ballard Drive in Huxley, IA, Bella Vista is minutes from Fareway, Huxley Family Physicians and only ten minutes from Ames &amp;amp; Ankeny! Huxley offers the Ballard Country Club nearby for golf lovers and the 3C's (Citizens Community Center) for those wanting a walking track, racquetball court, and fitness classes.
  
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  This Wednesday, July 17 you have the opportunity to tour four Bella Vista homes that are currently on the market. Each of these homes will be open between 4:00-6:00pm and snacks will be provided. To learn more about each home, see below:
  
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      484 Bella Vista
    
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      485 Bella Vista
    
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      486 Bella Vista
    
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    489 Bella Vista 
  
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  Mark your calendar and see you on Wednesday!
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      <pubDate>Wed, 10 Jul 2019 19:10:42 GMT</pubDate>
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      <title>Share Ideas, Be Inspired</title>
      <link>https://www.bellahomesiowa.com/share-ideas-be-inspired</link>
      <description>Looking for inspiration? If you're not already on Pinterest, you need to be! It's a total hub of ideas, how-to's, and thousands of examples.  It's time to swap ideas, get a real feel for your dream home, and learn how to accomplish some projects on your own.</description>
      <content:encoded>&lt;h3&gt;&#xD;
  
                  
  Looking for inspiration? If you're not already on Pinterest, you need to be! It's a total hub of ideas, how-to's, and thousands of examples! 

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                    Whether you're in the middle of the building process and selecting various countertops, paint, flooring, etc., or simply looking to be inspired - Pinterest should be a go-to place for you! There are literally hundreds if not thousands of builders, designers, DIY'ers sharing their ideas, plans, and projects all over Pinterest. It is a central hub for inspirations of all kinds.
  
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  Bella Homes is on Pinterest and we feature a variety of boards (think of this like a bulletin board, where you 'pin' all of your ideas and projects too) that highlight actual projects we have completed in our clients' homes. Whether you're looking for an idea for your Master Bedroom, curious about paint colors, or compiling photos for your dream home... find us on Pinterest.
  
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  Also, we just started a board called "
  
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    Your Design Ideas
  
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  ". This board is made for you! We want to see some of your favorite things. Add pins of favorite rooms in your own home or maybe inspirational photos on your "someday" wish list. If you've worked on any projects, we want to see those too! Show off your skills, your inspiration, and let's swap ideas.
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      <pubDate>Fri, 28 Jun 2019 12:55:28 GMT</pubDate>
      <guid>https://www.bellahomesiowa.com/share-ideas-be-inspired</guid>
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      <title>Bella Homes Receives National Recognition</title>
      <link>https://www.bellahomesiowa.com/bella-homes-receives-national-recognition</link>
      <description>Bella Homes Named Best Luxury Builder in Iowa by Home Builder Digest</description>
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  Bella Homes Named Best Luxury Builder in Iowa by Home Builder Digest

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                    Home Builder Digest hand-picked the best luxury home builder for each state.  "We considered thousands of professionals while making this list. In addition to professional associations, we heavily weighed recognition the firm has received in the form of awards and press, any prestigious clientele they have worked with, whether or not they collaborate with other top industry professionals, such as interior designers, and what areas they work in, the more exclusive and high-end neighborhoods having greater influence." said Home Builder Digest.
  
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  "Bella Homes Iowa is one of the best luxury home builders in the state. Run by Chris and Kris Gardner and Mark DeYoung, Bella Homes has a talented team that creates unique, custom homes for discerning clients throughout central Iowa. The company has developed a personalized system that puts clients at ease from start to finish. Their home building experience has been designed to highlight unique architectural details that reflect each individual homeowner’s personality and character. They stand out for their custom woodworking and unique details, be it stain glass or barn doors. Their goal is to create luxury while still retaining the comforting feeling of a family home. Bella Homes is privileged to be a member of the Des Moines and Ames Home Builder Associations. Bella also partners with Energy Star to help clients reduce their energy costs."
  
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  Read full article 
  
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      HERE
    
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      <pubDate>Thu, 20 Jun 2019 18:50:27 GMT</pubDate>
      <guid>https://www.bellahomesiowa.com/bella-homes-receives-national-recognition</guid>
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