Selling A Home June 30, 2025

6 Reasons to List Your Home During the Holidays

Sellers, take note and embrace the holiday joy! If you’re planning to list your home this season, early fall is the perfect time to prepare your home for the market.

You’ll face less competition and buyers will be highly motivated to settle into new digs in time to ring in the new year.

1. Less Competition

During spring and summer, there are historically more homes on the market. During the holidays, there are typically fewer listings, making it easier for your home to really stand out and shine to potential buyers.

2. More Serious Buyers

Amid the hubbub, people are extra busy gift shopping and attending celebrations. Consequently, you’re not likely to get many just-looking buyers. Anyone home shopping during the holidays will be more focused and more likely to make a strong initial offer.

3. End-of-Year Financial Advantages

Finalizing a home sale before the end of the year can provide potential financial benefits, such as deductions on property taxes, mortgage interest and other home-related costs.

 4. Job Relocation Season

Since January is a common window for job relocations, buyers may need to settle into a city and home by the end of the holiday season. Your home may be the answer to their relocation prayers!

5. Faster Closings

Since everyone is busy decking the halls, buyers and sellers will both be interested in moving things along expeditiously. And because all the professionals involved for a sale will have fewer closings on their plate, your transaction will get even more attention.

6. Cozy Vibes

While winter weather can be daunting, nothing beats coming in from the cold to a warm, cozy home adorned for the season. Just turn up the heat, have a yummy treat in the oven and be sure to keep your sidewalks clear of snow and ice. Along with your festive outdoor lights, you’ll appeal to buyers’ sentimentality with all the decorative touches.

Listing your home during the most festive time of the year can lead to more serious and qualified buyers – and a fresh start for the new year. Contact your local Coldwell Banker® agent to get a jump start on listing your home in time for the holidays.

Buying A Home June 30, 2025

4 Built-In Benefits of Planned Communities

Planned living areas offer a convenient way to pursue an engaging, fulfilling lifestyle. Ready to explore the possibilities?

If you’re looking for a place to call home that comes with built-in benefits for enriching your life, a planned community might be right for you. From making new friends to staying active, these developments are thoughtfully designed to help residents live their best lives. Here are just a few of the perks!

1. The Gift of Friendship

With plenty of shared common spaces like clubhouses, pools and courtyards, planned living areas encourage engagement. Residents can jump right in on a range of activities or special events, from yoga classes and book clubs to happy hours and themed holiday gatherings. Living in a close-knit neighborhood – where you can easily socialize and forge friendships – is good for your overall well-being, no matter your age and stage of life.

2. A Bounty of Amenities

In a planned community, you don’t have to travel far to stay active or find a new adventure. In most cases, a short walk will lead you to a host of options, including parks, nature trails and recreational spaces. If you’re a sports enthusiast, common amenities include golf courses, tennis and pickleball courts, and fitness studios with group classes. Outdoor gathering spaces make it easy to relax or entertain with grills, firepits and plenty of seating. Some communities even feature clubhouses with food service or on-site restaurants. Other benefits might include specialized offerings like spas, movie theaters, bowling alleys or craft rooms.

3. Secure Living Spaces and Surroundings

Planned living neighborhoods incorporate several security measures to provide peace of mind for residents. Most are designed with well-lit streets, surveillance systems, gated access points and may even employ 24/7 security personnel. Apartment-style buildings are outfitted with automated electronic keypads to limit entry to only residents. In newer developments, homes are increasingly equipped with the latest security technology such as video doorbells, smart locks and integrated security cameras that can be monitored remotely through apps.

4. Easy Access to Services

Along with on-site amenities, these developments are often located near essential needs like medical facilities, schools and major transportation. Developers also take into consideration easy access to retail complexes, restaurants, entertainment and shops. When integrated into the community at large, these neighborhoods help build a sense of connectedness for its residents.

Planned living areas offer a convenient way to pursue an engaging, fulfilling lifestyle. Ready to explore the possibilities? Coldwell Banker Realty affiliated agents are well-versed in what to look for in a master-plan development. Connect with a local real estate professional to learn more.

 

Home Design/Improvements June 30, 2025

7 Upgrades to Boost Your Home’s Value in 2025

Thinking about upgrading your property in the new year? Since the housing market is expected to remain competitive, it’s more important than ever to consider improvements.

Read on for tips to elevate your quality of living and your home’s desirability.

1. Revamp Your Kitchen

A well-designed kitchen remains a surefire way to add value. Kitchen improvements can yield a 70 to 80% return on investment when it’s time to sell. Consider replacing old countertops with quartz or granite, updating appliances and refacing cabinetry. Even smaller upgrades like a modern backsplash can deliver great visual impact.

2. Renovate Bathrooms

Remodeled bathrooms are another biggie on a buyer’s wish list. If you go the total renovation route, think about incorporating the latest trends, such as luxurious finishes and spa-like walk-in showers. More affordable options include replacing faucet fixtures, retiling the shower or upgrading lighting.

3. Update Flooring

Outdated flooring is an eyesore for potential buyers. Replace older carpeting or tile with hardwood, engineered wood or luxury vinyl planks. Look for durable, low-maintenance options in neutral tones that will hold their value for many years to come.

4. Extend Living Space With Outdoor Amenities

Outdoor living continues to be a popular choice for increasing your property’s appeal. Whether you take on a DIY project or hire a contractor, adding a patio or deck will extend your living space. Other sought-after amenities include built-in grills, fire pits, pergolas – and for the ultimate upgrade, an outdoor kitchen.

5. Get Smart With New Technology

It’s never been easier or more affordable to incorporate smart technology into your home. Choose from a variety of upgrades that include tech-advanced thermostats, lighting, video doorbells and security systems. These devices provide comfort, peace of mind and can be easily controlled remotely through apps.

6. Invest in Energy Efficiency

Make your home more energy efficient, which not only boosts your property’s appeal but also reduces your bills over the long haul. Consider updating appliances like refrigerators, washers and HVAC systems that meet Energy Star® standards. Other ideas include improving insulation, adding solar panels or replacing old drafty windows.

7. Modernize Your Lighting

Well-placed lighting enhances your property’s ambiance and functionality. Replace outdated fixtures like fluorescent box-style lights or those that don’t provide adequate lighting. Other updates include recessed lighting, dimmers on switches, pendant lights and wall sconces. As a statement piece, consider adding a high-quality fixture above your island or in your main living space.

Enhancing your home’s worth doesn’t require dramatic changes. Whether you’re selling soon or simply want to enjoy a more modern and efficient dwelling, these practical tips will ensure your property remains marketable. Connect with a local real estate professional to learn more.

Buying A Home June 30, 2025

How a Buyer’s Agent Can Help You Find Your Dream Home in 2025

As the real estate market continues to evolve at a fast pace, it’s easy to feel overwhelmed when searching for your dream home. But one professional stands ready to simplify the process and find you the perfect property: a buyer’s agent.

Partnering with this licensed specialist offers many advantages, ensuring a positive experience and a successful outcome.

Local Market Knowledge

A buyer’s agent brings local expertise to the table, key to getting you into a home that meets your unique needs. They’ll know about area schools, amenities, public transportation options and other factors that may affect your day-to-day lifestyle. A buyer’s agent can also suggest up-and-coming communities you may not have considered, broadening your search and expanding your options.

Access to Exclusive Listings and Off-Market Properties

One of the greatest advantages of working with a buyer’s agent is their ability to leverage their professional connections to gain access to listings not readily available to the general public. In a competitive arena, this can give you a critical edge, allowing you to view homes before they are widely seen by other buyers.

Expert Guidance on Current Market Trends

In 2025, the real estate market will continue to experience shifts based on economic conditions, interest rates and local factors. A buyer’s agent has their finger on the pulse of these trends and can provide trusted insight into any fluctuations in price, availability and/or competition. They can also help gauge the future value of the property, based on neighborhood growth, planned developments and economic projections.

Negotiation Expertise

Negotiating your offer is an important step in the home-buying process, and having a buyer’s agent to advocate for your interests is crucial. A skilled buyer’s agent knows how to handle common obstacles such as appraisal gaps, inspection issues and seller concessions. If the seller is unwilling to lower the price, your agent may be able to negotiate for other favorable terms, such as covering closing costs, repairs and/or improvements.

Managing the Paperwork and Closing Process

To deliver a stress-free real estate experience, your buyer’s agent will guide you through the legal and financial documentation, making sure that all the necessary forms are completed correctly and submitted on time. They’ll help you understand the fine print, such as contingencies, timelines and financing terms, and will coordinate between the seller, the lender, inspectors and attorneys, streamlining the process and avoiding unnecessary delays.

From guiding you through market complexities to negotiating on your behalf, a buyer’s agent ensures that the purchasing process is efficient, successful and aligned with your goals. In your journey towards homeownership, choosing to partner with a buyer’s agent is perhaps the smartest decision you can make.

Investing June 30, 2025

Investing in a Rental Property: A Smart Move for Financial Security

With the rising demand for housing, investing in rental properties has become increasingly popular – and for good reason.

Owning a long- or short-term rental property offers numerous benefits that can set you up for lasting financial security and stability.

Benefits of Long-Term Rentals

A long-term rental typically refers to leasing out your property for an extended period, often a year or more, to tenants who pay rent on a monthly basis. In many cases, the rent collected from tenants will exceed your expenses, which is just one of the rewards that this type of investment brings. You should also consider the following:

  • Reliable cash flow: One of the biggest advantages of long-term rentals is the predictable income. With tenants locked into long-term leases, you know exactly when and how much you’ll be paid each month.
  • Equity building: Over time, as tenants pay rent, you build equity in the property, which can be used for future investments or leveraged for other financial goals. Home values often appreciate over time, giving you the potential to sell for a profit years down the line.
  • Tenant stability: Unlike short-term rentals, where tenant turnover can be frequent, long-term rentals generally provide stability. With consistent tenants, your property can be occupied year-round, minimizing vacancy risks.

Benefits of Short-Term Rentals

Short-term rentals, often facilitated by platforms like Airbnb, involve renting your property or a portion of your property (such as a room or guest house) on a nightly or weekly basis. Like long-term rentals, this type of investment comes with its own set of rewards:

  • Higher rental rates: Since you’re renting your property out on a nightly basis, you can charge more for each stay, which often leads to higher income than long-term rentals. This is especially true for properties located in vacation hotspots or urban centers.
  • Flexibility and control: You have the ability to adjust your rental rates based on demand, seasonality or events to maximize your income.
  • Frequent cash flow: With Airbnb and other short-term rental platforms, you will receive payments more frequently (sometimes even on a weekly or daily basis). This can provide you with quicker access to cash than you’d have with long-term rental agreements.
  • Global reach: Platforms like Airbnb attract guests from all over the world. This is particularly beneficial for vacation properties or homes in tourist destinations.
  • Personal use of the property: If you’re renting out a portion of your property or using it for part of the year, short-term rentals give you the option to still enjoy your space while earning income when you’re not using it.

Tax Benefits and Deductions

Both long- and short-term rental properties typically offer a variety of tax deductions, which can help offset your expenses. Depending on your location and local ordinances, these deductions generally include:

  • Mortgage interest: You can deduct the interest you pay on your property’s mortgage.
  • Property depreciation: The IRS allows you to depreciate the value of your rental property over time, reducing your taxable income.
  • Operating expenses: Maintenance, property management fees, utilities and insurance can often be deducted from your taxable income.
  • Travel expenses: If you travel to your rental property for management purposes, you may be able to deduct related travel costs.

Owning a rental property brings many benefits, whether you choose to accommodate long- or short-term tenants. If you’re looking for a reliable way to earn extra income and build financial security, investing in a rental property could be the smartest decision you ever make.

Buying A Home June 30, 2025

A Buyer’s Checklist: Tour Homes Like a Pro

After reviewing online listings and narrowing down options with your real estate agent, you’re ready for the exciting part – touring a property!

Use this checklist to get the most out of touring a home and ensure that no detail gets overlooked during this critical step.

Pre-Visit: Do Your Homework

Before scheduling a visit, be clear about your budget and goals. In today’s competitive market, you’ll also want a preapproval letter from your lender. Next, research factors like property taxes and important area insights. It’s also helpful to review the online listing again and note any questions that are best addressed in person.

Be Prepared With a Toolkit

Use a notebook and your smartphone to record your impressions. It’s easy to forget details after you leave, especially if you’re touring a few homes. And don’t forget a flashlight, which comes in handy for inspecting dimly lit places like crawl spaces and attics.

First Impressions: Assessing the Exterior

Your tour starts the moment you arrive – as you take in the home’s curb appeal. The state of the yard and entryway can signal how well-maintained the house is overall. Are the roof and exterior in good condition? Are there cracks in the driveway? If so, consider if you have the budget for bigger ticket repairs like a new roof.

Inside the Home: Room by Room

You’re finally inside! It’s easy to get caught up in cosmetic elements and paint colors, but a thorough walk-through focuses on features that would be expensive to alter or repair:

Kitchen and Bathrooms: Check major appliances and fixtures. Turn on faucets to assess water pressure and drainage. Look for signs of heavy wear or leaks.

Bedrooms and Closets: Are the rooms large enough to accommodate your furnishings? Check the size of closets to see if they’ll meet your storage needs. Take note of flooring: Do you prefer carpet or hard flooring in bedrooms?

Basement and Attic: These spaces require extra attention during a tour since they may reveal water damage or structural issues.

Floors and Walls: Scan for cracks, stains or uneven surfaces, which could indicate foundation problems.

Beyond Basics: Use Your Senses

This is your chance to fully experience the place you may call home. Pay attention to small details to identify any red flags and determine if the home is truly a good fit.

Sight: Look for cosmetic repairs that may hide bigger problems like damaged walls or ceilings.

Sound: Take notice of noise from traffic or the neighborhood.

Smell: Check for musty odors, which could be a sign of mold, or overpowering air fresheners that might mask problems like pet odors.

Touch: Test windows, doors and light switches to be sure they’re functional.

Post-Visit: Consider Future Needs

Take stock of the pros and cons. If the property is a serious contender, plan to visit the neighborhood at different times of day to gauge traffic patterns. How move-in ready is the home? Does the layout work as is or would it require major renovations? Consider if the outdoor space meets your needs.

Keep your future plans in mind. If you’re expanding your family, are there enough bedrooms and bathrooms? Will you need a dedicated office space or first-floor bedroom? Planning ahead saves you from outgrowing a home too quickly. Finally, discuss your impressions with your agent, who can offer further insight and help you size up the property against others in the area.

Home tours are an essential step in the buying journey. Being prepared is key to ensuring you focus on the most critical aspects and get the most out of your tour.

Home Design/Improvements June 30, 2025

Biophilic Design: The Hottest New Trend in Home Décor

Natural light, indoor plants, organic materials and outdoor views are key to biophilic design, enhancing the home’s décor while improving mental health.

A subtle, transformative shift is taking place in the world of home décor. Forget sleek, minimalist lines or industrial-chic finishes – today’s latest trend is all about bringing the outdoors in through biophilic design. Grounded in the idea that our physical and emotional health is intrinsically linked to nature, this style integrates a variety of organic elements to create a beautiful, serene environment.

Natural Light

Exposure to sunlight is one of the most important components of biophilic design. Large windows, skylights and open areas enhance the atmosphere and have been shown to reduce stress, anxiety and depression. Make your space bright and airy by replacing heavy curtains with breezy fabrics or light-filtering blinds and let the sun shine in!

Scenic Views

To feel a sense of freedom and connection with the world beyond your four walls, you should orient your furniture toward natural views, like a backyard garden, a park or a sweeping vista of mountains or forests. If windows are limited, incorporating landscape paintings or photography would be a good alternative.

Indoor Plants

Introducing greenery into your décor not only brings a welcome burst of color but also purifies the air and lifts the spirit. From hanging planters to indoor gardens, vibrant foliage gives life to most any room. If you don’t have a green thumb, consider easy-to-care-for succulents, ferns or snake plants. Herb gardens are a further option, offering culinary benefits while improving the ambience.

Organic Materials

Using materials that can be found in al fresco settings is another hallmark of this home décor trend. Think wooden furniture, stone countertops, bamboo flooring and wool rugs. These products are sustainable and tactile, helping to create an earthy vibe that is grounding and comforting. They also add visual interest and dimension.

Water Features

The calming sound of flowing water can help foster a peaceful environment – and you don’t have to spend a lot to enjoy the benefits. Aquatic pieces come in all shapes and sizes, ranging from table-top fountains to standing features that include stone or wood. If you work remotely, a water feature in your home office could even boost your productivity and focus.

Textures and Patterns

Nature is full of variety, from the roughness of stone to the intricacy of leaves to the symmetry of snowflakes. Biophilic style seeks to bring this diversity into the home with organically inspired throw pillows, lamps and wall hangings. Textile or fabric wallpaper made from grass cloth or bamboo is another eco-friendly option.

Biophilic design is more than just a fleeting fad – it’s a way of living that honors our connection to nature and its profound impact on our health and happiness. Whether you’re creating a cozy family space, a tranquil bedroom or a relaxing home office, this increasingly popular style offers the perfect balance of beauty, functionality and well-being.

Selling A Home June 30, 2025

The Ultimate Checklist for Selling Your Home

Selling your home requires careful planning that includes pre-listing preparation, competitive pricing, widescale marketing and skilled negotiation.

Are you ready to make a move? With the real estate market heating up, now may be the perfect time to list. As you embark on this exciting journey, remember that selling your home quickly for top dollar requires careful planning and preparation.

Declutter, Depersonalize and Deep Clean

Buyers want to envision themselves living in the space, so begin by removing personal items like family photos, knick-knacks and excess furniture to create an airy, open environment. Be sure to clean carpets, wash windows, scrub bathrooms and polish hardwood floors. Fix any leaky faucets, cracked tiles or chipped paint so the beauty of your home shines through.

Hire a Real Estate Agent

While you could sell your home on your own, working with a real estate agent can significantly ease your stress while simplifying the process. You should choose a professional with a proven track record – someone who understands the market and is well-versed in selling properties like yours. You might want to interview a few agents to find one who appreciates your needs, communicates regularly and has experience in your neighborhood.

Set the Right Price

Pricing your residence correctly is one of the most important aspects of selling. If you ask too much, you might scare off buyers; too little, and you risk leaving money on the table. Your agent will pull a list of comparable homes in your area to determine a competitive price that creates buzz and attracts the largest possible pool of buyers.

Market for Maximum Exposure

The vast majority of motivated buyers are searching online, so it’s crucial that your property appears across high-traffic websites and social media platforms. Your agent will arrange for quality photography and video to be used in both digital and print advertising, ensuring a positive impression and drawing potential buyers in. Open houses are another great way to generate wide-scale interest for a quick sale.

Negotiate Offers

Once offers start coming in, your agent will help you thoroughly review them. You want to consider the full terms of each offer, not just the price, and be prepared to counter-offer. Some buyers may ask for contingencies, such as credit for upgrades or repairs. Weigh these requests thoughtfully, as they may delay the sale. If an offer needs some adjusting, a skilled agent can navigate you through the process and find a mutually agreeable solution.

Prepare for Closing

Once you’ve accepted an offer, the buyer will likely schedule an inspection and appraisal. If any issues are revealed, your agent may have to renegotiate the terms and price. As these details are being ironed out, you can focus on putting your moving plan in place. Consider the timing of the closing date to ensure a smooth transition.

Seal the Deal

On closing day, you’ll meet with the buyer, the buyer’s agent and possibly the title company to finalize all terms. You’ll sign the final documents, and the buyer will transfer the funds. Once the paperwork is complete, the property officially changes ownership, and you can hand over the keys!

If you’re ready to list, you can start by contacting an agent to learn more about the market activity in your specific location. Selling your home is a big undertaking, but with a mapped-out strategy and expert guidance, you can achieve a successful, financially beneficial outcome.

Home Design/Improvements June 30, 2025

How Remote Work Has Changed the Real Estate Landscape

Explore how remote work is transforming home searches and design choices – blending multifunctional spaces and integrated smart technology.

The rise of remote work has reshaped home design and buyers’ needs, blurring the lines between professional and personal living. Beyond converting a corner of a room or integrating a designated office space, living areas are designed with intention and purpose. They have evolved into an integrated lifestyle that supports productivity and relaxation. Homeowners are blending a functional work hub with a place to unwind, creating a seamless daily rhythm of work-life balance.

Multifunctional Remote Work Areas

Outgrowing a simple desk and chair, remote workspaces are custom-designed environments that easily transition from work to play. Open living areas, dining rooms and kitchen islands are redesigned to support family activities and professional video calls. And homeowners are incorporating ergonomic furniture, wall-mounted monitors, advanced lighting systems, glass partitions and soundproofing to mesh home living with work productivity. Additionally, nature is making its way indoors through biophilic design. Lush plants, natural light and the quiet beauty of wood are transforming the home/remote environment.

Tech-Infused, Work-Home Amenities

Integrated smart home technology is a key feature in balancing remote work with home relaxation. And voice-activated assistants help manage calendars and smart lighting enables adjustments according to the time of day. Additionally, home automation systems that control temperature and window shades allow remote workers to customize their environments for maximum comfort. And home-work dwellers are syncing kitchen appliances to brew coffee according to meeting schedules while also programming them for personal needs, like when supplies are low. Homeowners are also investing in higher-speed internet and Wi-Fi systems to ensure smooth video calls – which also benefits their binge-watching time.

The Impact of Remote Work on Real Estate Market Trends

The work-life balance home design trend has changed the way people buy homes. Open layouts and adaptable rooms are in high demand. Home buyers value creating a home studio – a space that’s as functional as inspiring. And outdoor spaces are important for remote workers as they transform them into work-friendly environments, installing outdoor office pods to focus in a peaceful, natural setting. Homes with more flexible floor plans, integrated technology and communities with high-speed internet are the new attractive norm.

Remote work has shifted the focus of home living to optimization and well-being – and technology plays a pivotal role. A home is no longer only a place to live and rest – it’s a balanced sanctuary to work, play and thrive.

Home Design/Improvements June 30, 2025

Kitchen Design Trends: Create a Welcoming, Functional Space

The latest in kitchen design incorporates organic shapes, sustainable materials, bold colors, smart features and retro elements.

As the saying goes, the kitchen is the heart of the home – where meals are made and memories are shared. It’s also a space where even small improvements can make a big impact. Whether you’re planning a complete overhaul or a few strategic updates, today’s trends offer many exciting possibilities.

Curved and Organic Shapes

Inspired by Italian design, this style moves away from rigid, angular lines to create a more fluid and harmonious vibe. Curved countertops and rounded cabinetry bring a welcoming, sculptural quality to the room. If you’d like an easier fix, you could incorporate subtle trim detail, spherically shaped light fixtures or a dining table that has soft edges and upholstered seats.

Sustainable and Natural Materials

Eco-conscious choices remain at the forefront of modern décor and can be integrated into most any home. Terracotta, recycled glass and sustainably sourced wood are not only environmentally friendly, but they also enhance the ambience with rich textures and earthy shades, whether in flooring, cabinetry or countertops.

Bold Color Schemes

Neutral tones are now taking a backseat to bold hues. Deep greens, navy blues and even dark gray and black add drama and originality, especially when complemented by contrasting backsplashes and vibrant accent pieces. Smaller changes such as colorful dishware or patterned window treatments can significantly spice up your kitchen’s look and feel.

Multifunctional Islands

Kitchen islands are evolving into multifunctional hubs. Incorporating built-in sinks, wine coolers, extra seating and more, these pieces serve as prep areas, dining spots and storage solutions, maximizing both space and utility. Non-traditionally shaped islands are coming on the scene as well, garnering visual interest with oblong or rounded surfaces – a possible solution for awkward floor plans.

Paneled Cabinetry

If you’re wishing to inject some depth and character, paneled cabinetry could be the answer. This design introduces texture in a subtle way, offering a sophisticated alternative to flat-front or Shaker styles. Clear or frosted glass panels can make smaller kitchens feel less crowded and would be ideal for showcasing decorative items and dishware.

Statement Backsplashes

Backsplashes are increasingly becoming focal points, with homeowners opting for cutting-edge patterns and vivid colors to infuse personality and visual interest into their kitchens. If you want to heighten the impact, consider running the tile all the way up to the ceiling. Just be sure that your backsplash complements rather than competes with your cabinetry.

Smart Features

The future is here with the integration of smart technology like voice-activated faucets, app-controlled appliances and intelligent lighting systems. These features streamline tasks and boost energy efficiency, making daily routines easier and more convenient.

Vintage and Retro Touches

Nostalgic elements are yet another way to fashion a unique space that is both welcoming and memorable. Retro color palettes, vintage-inspired appliances and classic fixtures add charm and character to most any design. You could also have fun with some eye-catching wallpaper – a perfect way to brighten up any dark corners.

If you’re thinking about giving your kitchen a refresh, today’s trends offer innovation and sustainability with plenty of opportunity for personal expression. They may not improve your cooking, but they can inspire you to create a gathering place that is both functional and stylish.