DiMarco Realtors - April 2020

San Diego Orange County Inland Empire Los Angeles Bay Area 888-271-7760 | DIMARCOREALTORS.COM | DIMARCOLEGAL.COM | APRIL 2020 News From Your Home & Loan Resource Network DiMa r c o ’ s 2 C e n t s

Comedy the Whole Family Can Enjoy When We Need It Most

Hello there! It’s been a pretty wild last few months, hasn’t it?With everything going on in the world, I think we could all use some lightheartedness and positivity in our lives. Maybe it’s fitting, then, that April is National Humor Month. I thought this would make a great opportunity to take a look at comedy and some of the laugh-makers who have created wholesome, family-friendly experiences.While we may not be able to see them live, there are plenty of ways to enjoy their humor. Do you remember the comedy skits of Carol Burnett, Harvey Korman, and Tim Conway? I remember watching these comedians as a kid with my parents, and we all laughed out loud together. In the last 20 years, there have been some very funny people, however, many of them are not family-friendly. Everybody knows Jerry Seinfeld and Ellen DeGeneres as two of the best clean comedians, and there are a few others you may want to check out. Brian Regan,

Comedian Sebastian Maniscalco, “You Bother Me”Tour

Nate Bargatze, Anjelah Johnson, and Jim Gaffigan are all excellent, hilarious comedians who stick to family-friendly material.You can look for their content online and on streaming services. My favorite right now, introduced to me by our very own Cristina Iacobelli, is Sebastian Maniscalco. He generally does not make the list of family-friendly comedians, but the SaferKid app rates him as safe for kids 9 and over. He’s hilarious! You can check him out onYouTube, which is also a great way to help support and encourage comedians while their live shows are being canceled. There are other ways to watch family-friendly comedy online with clubs like Dry Bar Comedy. Dry Bar Comedy (DryBarComedy.com) is a comedy club specializing in funny content for everyone.You can watch full specials on their app and through VidAngel. Now more than ever, it’s important to stick together and support one another. One way to do that is to share the healing power of laughter and support the community of very funny people who make us laugh.

Your Legal Resource

As an attorney and advisor for real estate and loans, I get a lot of requests for help on a wide range of topics, including getting out of debt, rental properties, insurance, partnerships, trusts, and taxes.While I can’t provide legal representation or advice on all topics, I can be a helpful resource by giving you direction.

When you need practical advice and don’t know where to go, I’m here for you.

Darren DiMarco | darren@dimarco.com

888-271-7760 | DIMARCOREALTORS.COM | DIMARCOLEGAL.COM | PAGE 1

Andy Says Hello friends. I’m writing this on March 20, 2020 as our governor issues a stay-at-home order for the entire state of California. (You’ll be receiving our newsletter weeks later so it’s unknown to me yet what has changed.) I hope this finds you and your loved ones safe and healthy. As you can imagine, I’ve received many calls regarding how to interpret all the headline news relating to mortgages. A few of those headlines from mid-March read:

The Crazy Mortgage Market Amid the COVID-19 Pandemic

applications. Amid the spread of the coronavirus and the uncertainty it created, however, lenders were unable to sell these new bundles of loans onWall Street as they typically do in the form of “mortgage-backed securities.” Investors, fearful of what may happen to the global economy, wanted to focus on cash positions instead. Since lenders could not obtain funds for continued lending, mortgage interest rates had to rise to slow the demand. And rates rose sharply, more than 1% in just 12 days. Then, by March 20, the Federal Reserve stepped in big time with a commitment to buy billions in mortgage-backed securities and keep credit flowing. While this intervention is certainly expected to help, it still may take additional time to reflect on mortgage rate sheets. Some economists believe that we could soon see mortgage interest rates moving down to new lows.We’ll have to wait and see. Since you’re reading this weeks after I’m writing it, circumstances may have changed, and new information may have come to light. In any case, this is the brief (simplified) version of what went on in the mortgage market due to COVID-19.

The Fed cut rates to nearly zero.

Mortgage rates surge to highest level since January even though the Fed just brought interest rates to 0%. Mortgage rates experienced the largest weekly increase since 2016 So here’s a brief run-down of how all this has played out and what it may mean.

Up to the first week of March, mortgage interest rates were at historic lows, and all lenders were flooded with refinance

God bless you.

So, What Is 5G? A New Horizon in Wireless Technology

Few things change faster than the internet, and how we connect with the internet is constantly evolving.When it comes to wireless capabilities, fourth-generation (4G) networks have been the norm for 10 years. But 4G couldn’t meet demands forever, and there’s already talk of a fifth-generation (5G) network taking center stage. So, what makes 5G different from 4G, and how will it affect consumers and their internet-enabled devices?

and services that function using the internet will have fewer delays, faster loading times, more reliable internet access in remote locations, and more stable downloading and uploading capabilities. Experts predict that 5G will provide download speeds of up to 10,000 megabits per second, which is roughly 100 times faster than 4G. While it can take a 4G network upward of 15 seconds to download a simple 5-megabyte music file, a 5G network will be able to download an entire movie in less than two seconds.

What are the basics? Simply put, 5G is the fifth generation of wireless technology that enables mobile devices like cellphones and stationary devices like desktop computers to send and receive data without being physically connected to a network via cables. As technology improves and more connection points are established around the globe, new network generations are “released” to represent significant advancements in speed and reach. How powerful will it be? Consumers will notice the rise of 5G mostly with their smartphones. Apps

What’s next? These network updates are all about speed, but that doesn’t mean you should rush to switch your cellphone over to 5G. Many providers are still testing the service with select markets, and a full rollout of 5G isn’t expected until later this year. Check with your network provider about the options they currently offer and get ready to connect with the world like never before.

888-271-7760 | DIMARCOREALTORS.COM | DIMARCOLEGAL.COM | PAGE 2

Can a Referral Make a Difference?

St. Jude is on the front lines in the fight against childhood disease, and we want to help. Do you know someone who is moving? Refer them to us, and for every referral we help, we donate $500 to St. Jude.Your referral makes a difference.

Referring is easy: Call or text me at 949-391-7511 or email darren@dimarcorealtors.com. We and St. Jude thank you.

Sesame Zucchini Noodles

Ingredients

3 tbsp pure sesame oil

4 medium zucchini

3/4 tsp fresh ginger, grated

Salt, to taste

Throwback Trivia Test Your Comedy Recall

3 medjool dates, pitted and softened in warm water for 5 minutes

2 cloves garlic, chopped

2 tbsp apple cider vinegar

3 1/2 tbsp creamy,

3 scallions, thinly sliced

As Darren shared on the cover, April is National Humor Month, which is a great reason to bring more laughter into your life. Since we can’t get enough comedy, we came up with a little trivia on the subject. In the spirit of good humor, we thought it would be fun to put your comedy recall to the test. See if you can answer all five questions to earn the bragging rights. Then, pass along the quiz to a friend and test their know-how!

unsweetened almond butter 3 tbsp coconut aminos

1/4 cup chopped almonds

Here are the questions!

Directions

1. While he’s best known for making the nation laugh, Bob Hope was actually born across the pond.What country was he born in where he lived before coming to the United States as a child with his family?

1. If you have a spiralizer, use it to cut zucchini into noodles. Otherwise, use a peeler. Salt zucchini. Allow zucchini to “sweat” out water for 1 hour, wrap in a paper towel, and squeeze the water out. 2. In a food processor, blend dates with almond butter and aminos until smooth.

2. Which beloved television show starring Lucille Ball and Desi Arnaz first aired in 1951?

3. What was the name of the duo show that Elaine May and Mike Nichols created? (Hint: It featured their names.)

3. Add sesame oil, ginger,

garlic, and vinegar and pulse until sauce is smooth.

4. Which RobinsWilliams movie featuring a nanny in disguise is one of the top 10 highest-grossing comedies of all time?

4. In a pan, sauté zucchini noodles until heated and slightly softened. 5. Toss zucchini noodles with prepared sauce and top with scallions and almonds.

5. Broadcasting live from NewYork, what Saturday night mainstay first debuted in 1975 and has kept Americans laughing through the weekend (update) ever since?

Can’t get enough of the laughs? Check out some up-and-coming comedians online! Who knows, maybe you’ll find the next Bob Hope or Steve Martin!

Inspired by PaleoRunningMomma.com

888-271-7760 | DIMARCOREALTORS.COM | DIMARCOLEGAL.COM | PAGE 3

DiMa r c o ’ s 2 C e n t s News From Your Home & Loan Resource Network

Darren DiMarco 949-391-7511 Call or Text darren@dimarcorealtors.com Realtor®, CalBRE# 01071383, NMLS# 361115 Diane DiMarco 949-829-1570 Call or Text diane@dimarcorealtors.com Realtor®, CalBRE# 01896291 Chris Hertsgaard 949-391-3411 Call or Text chris@dimarcorealtors.com Realtor®, CalBRE# 01363354 Cristina Iacobelli 760-519-3294 Call or Text cristina@dimarcorealtors.com Realtor®, CalBRE# 01986394

PRST STD US POSTAGE PAID BOISE, ID PERMIT 411

Law Offices of Darren J. DiMarco

PO Box 704 San Clemente, CA 92674

Your Real Estate Advisors: Darren, Cristina, Diane, and Chris

1

We Could Use Some Comic Relief

2

COVID-19’s Impact on the Mortgage Market

5G Made Simple

3

Throwback Trivia

Sesame Zucchini Noodles

4

3 Eco-Friendly Home Swaps to Make During Spring-Cleaning

Your Guide to Spring- Greening

spring, try exploring greener alternatives like plant- based bulk laundry powder (Molly’s Suds is an excellent source). Or, if you’re feeling really adventurous, you can even try adding all-natural cleaners like soap nuts or English ivy to your laundry loads. For more on the former, search “soap nuts” on 1MillionWomen.com, and read up on ivy detergent at Permacrafters.com/English-Ivy- Laundry-Detergent. 3. Say goodbye to paper towels. Paper towels are a mainstay in American homes, but do we really need them when a good old-fashioned rag can do the job? According to the Ocean Conservancy, 13 billion pounds of paper towels are tossed in the U.S. each year! This spring, quit paper towels and keep a stash of dish rags under the sink to do your dirty work.When you’re cleaning out your closet, you can even cut up old T-shirts and add them to your rag stash! If you’re brave, try giving up tissues, too — an old-school hanky does the trick. If you’ve made all three of these swaps, don’t stop there! To continue your green journey, visit any of the blogs mentioned above and start browsing.

It takes a special kind of person to enjoy spring-cleaning. For most of us, the satisfaction of a clean house doesn’t quite outweigh the hours of scrubbing, sorting, and slogging through heaps of unnecessary stuff. If you’re struggling to find the motivation to start your spring-cleaning, try flipping the paradigm: Instead of spring-cleaning, think of what you’re doing as spring- greening , and make some eco-friendly swaps along the way. Here are a few ideas to get you started. 1. Swap your plastic spray bottles for bulk or DIY cleaning products. According to a Statista report, in 2019, the household cleaners market was worth more than $31 billion, and it’s continuously growing.You can save money on cleaning supplies by taking the green route.When your current stock runs out, try buying bulk cleaners or making your own. Both options will save plastic because you can reuse your bottles, and they can help you avoid the harmful chemicals found in most cleaners.Visit UnderATinRoof. com and read the blog post “ZeroWaste Cleaning Supplies + Recipes” to get started. 2. Explore alternative laundry detergents. If you’re used to using a plastic jug of liquid laundry detergent, it’s time to step out of your comfort zone. This

888-271-7760 | DIMARCOREALTORS.COM | DIMARCOLEGAL.COM | PAGE 4

Page 1 Page 2 Page 3 Page 4

www.dimarcorealtors.com

Made with FlippingBook Online document