Holmes Group Magazine - Issue 17

ISSUE 17

BUYING & SELLING THROUGH

IMBALANCE

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TH S SSUE 4-5 6-9 10-11 12-13 14-15 16-17 18

Holmes on Homes Off Market Possibilities What about Buyers?

Home & Style Current Listings Q&A Crossword & Sudoku

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HOLMES ON HOMES In the last edition we talked about the bubble bursting in pricing. If you tune in often, you’ll know I ramble on about supply & demand factors driving pricing and this insane market. This edition of Holmes on Homes is going to focus on how that translates into what it’s like actually selling AND buying in this market.

Options for buyers and sellers in 2021 look quite a bit different than it did just a few years ago. Think about the difference from 10 years ago!! That really isn’t too long ago and for most readers, were homeowners well before that. Remember when it was very black and white with options available to you. List your home – deal with repairs or updates – next come showings, inspections, appraisals and then wait for a closing date. What about buyers – you had Realtors and our MLS systems to tap into for home searches. That was about it!

Today the landscape of real estate has changed drastically due to market conditions and technology.

We’ll start with the selling side of the real estate transaction and “WOW” doesn’t do it justice. It would be more of an expletive-filled statement on the amount of change here. 10 years ago you had a simple concept & simple technology: list your home with a Realtor. Take guidance on what to do with the home to present it. Deal with showings, inspection, appraisals and so on.

Get to the closing and make sure the buyer is there too!

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Today there is a world of options and the role of a Realtor has changed too. There’s everything from full-service real estate teams (that’s us), flat fee services and down to the D-I-Y approach with MLS access groups.

I think of my role as a Realtor as your concierge of real estate solutions. I literally challenge our sellers to give our team things to get off their plate. Do you need movers? Would you like people to come in and pack for you? Want to leave furniture or things behind? Do you need a system to manage utility set up or transfers? Do you need cleaning, snow or lawn services? Literally, the additions to the customer service points can be endless and all you have to do is ask.

We take an approach of using our tools and fitting them around your experience to customize the approach. Take viewing a home as an example. We have 3D tours & live-video tours for remote viewing or for covid sensitivity. You can customize showing times so you can distance-learn or work from home. Do you want to restrict showings so you can have family time at dinner? All of this can be done with today’s tech & market trends.

But this is where it gets interesting and for those of you still reading, let your head spin on this. How about this concept: The Offer House. Yeah, that’s right.. an offer-house. I’m just giving you the same message I had a year ago but with a new name. Open Door, MarketPass, Zillow, Homestead Road and so on – they all make cash offers on homes. C’mon.. if you haven’t heard of these companies or seen their ads, received their mailers, emails, postcards or have seen the billboards – you know the ones I’m talking about. If you haven’t seen this stuff – you’ve been stuck inside. We’ll give you 2020 as an excuse.

If your home fits one of these buyer options – we can host an OFFER HOUSE! Get it.. open house.. offer house? All jokes aside, that’s literally where we’re at.

There are local companies like MarketPass that have no restrictions on what they buy and groups like Zillow (Guaranteed Offer guy) which are more restrictive and gimmicky. What our team is doing to put all of that chaos under one process for you - host an offer house.

In other words, we can meet for about 30 minutes or so at your home to go over the process and take a few pictures. From there we can literally solicit offers from all of these companies.

Pre-selling a home can add a ton of value for a seller.

You can choose your closing date up to several months out! Want the cash from the sale but need a holdover to help coordinate your next move – check! Need a late checkout? Done. Don’t want to clean.. want to leave stuff behind you don’t need or want – check, check.

Need to sell in order to buy and want to be a confident buyer – check. Want to avoid repairs or updates, staging, showings, inspections, appraisals and buyer fall out – yes, it checks all of those boxes as well.

How far out are we from you hitting my website or walking into my office and saying “hey.. I want to sell my home” and my reply is “Great.. here’s your offer”.

Ladies and gentlemen – that exists TODAY! Whether you want to hit the open market and watch the buyers attack or you want a more simplistic approach – Our role as Realtors has evolved to a concept of providing real estate solutions. Our approach isn’t to fit you, your family and your home into our box. The goal is to take the tools and systems we have out of the box and customize them around you. All you have to do is ask.

INTERESTED IN PRE-SELLING YOUR HOME OR OUR FULL LISTING SERVICES? Give us a call today at 651-379-1581 or visit www.MNOffers.com

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OFF MARKET POSSIBILITIES

11660 Irish Ave N, Stillwater MN 55082 Custom designed and built by Charles Cudd, this home is over 6,000 square feet of luxury. Well thought out one-story design with an abundance of amenities & privacy. Detached 2nd garage for toys and tools, lower level bar and theater room, private gazebo on your own island – yes, your own island. Brilliant use of space with open concepts, timeless finishes and truly a must see.

Call for more details and availability.

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20019 Fern Glen Lane N, Forest Lake MN 55025 With 5 bedrooms and over 3,000 square feet, this 2-story home is impressive. Built in 2013 and still enjoys the feel and finish of new construction. The lower level is finished with built-in entertainment, accent walls and bar. The main floor is an open concept and features a mud room off the garage, center island & pantry in the kitchen, bonus room for home office or kids play area. 4 bedrooms on the upper floor with an impressive master suite.

Call for details, availability & pricing

906 Galtier Street, Saint Paul, MN 55117 This is the one! This end-unit features an open layout with updates & amenities all around. The foyer features and open-locker entry and large closet for all storage needs. The gourmet kitchen features updated appliances, subway tile backsplash, custom lighting & fixtures, glass-paneled cabinets with bronze-finished hardware.

The main floor features hardwood floors and walks out

to rear patio. The basement is wide open for finishing touches and adds a ton of opportunity. With new paint and carpet through-out, this home is a must see and won’t last long.

Call for details, availability & pricing

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FEATURED HOMES

7886 250th E 250th St, New Market Township, MN 55020 $1,099,000 | 6,352 sq ft Executive Rambler on 10 acres with an abundance of detail! This home has so much to offer inside and out with over 6,000 sq ft of space including a main floor master suite & adjoining craft room. The gourmet kitchen walks out to your sunroom & 2400 sq ft deck.

Lower-level walkout features a 12-seat theater & 2400 sq ft pool room with gaming deck, hot tub & wet bar with kitchenette. The exterior features a front porch, rear patios & generous landscaping. Stables complete with office, shop, storage and loft with vestibule connecting the indoor arena. The 100 x 50 heated indoor arena features a bunk house, loft & easy access power lift doors. This hobby farm has detail around every corner!

Highest elevation in miles around – enjoy the stunning view of 23 different fireworks display on the 4th of July from surrounding cities 8

The fenced pasture is subdivided into two sections allowing for horses to graze on one side, while “resting” the other side. The unfenced pasture along either side of the driveway yields some 500 square bales of hay. Scott County zoning allows one horse per one open acre, so there is the ability to have up to seven horses.

HOME HIGHLIGHTS MAIN FLOOR & GENERAL DETAILS • Front Porch with • 16’ Ceilings Generous Landscaping • Sun-Room with Walk • Vaulted foyer out to Deck • Open Layout • Main Floor Master • Hardwood Floors • Gourmet Kitchen with Center Island & • Panoramic Views Informal Dining • Mud Room with ½ • 6-Panel Doors bath KITCHEN DETAILS • Center Island • Granite Countertops • Custom Cabinets • Stainless Appliances • Gas Cook top & Double Wall Ovens

• Custom pendant lighting • Drop in sink • Built-in Buffet • Undermount Lighting

MASTER SUITE • Oversized bedroom & sitting area • Expansive Rear Views • Master Bath with separate Tub & Shower

• Walk-in Closet • Craft Room with Laundry & Separate Entry

LOWER LEVEL • Rec Room with Walkout to Rear Patio • 12-seat Theater

• Stone Surround Free-standing Gas Stove

INDOOR POOL & GAMING ROOM • 30x20 Inground Pool • Hot Tub • Automatic Pool Cover • Gaming Deck • Floor Drains • ¾ Bath & Laundry • Reverse Osmosis • Custom Lighting system & Décor • Wet Bar & Kitchenette EXTERIOR FEATURES • 2400 sq ft Deck with Viewing Station • Rear Stamped Concrete Patio • Fire Pit

• Water Features • Statues • Custom Lighting

INDOOR ARENA & STABLES • 8-Stall Stables • Bunk House with Kitchenette & ¾ Bath • Office with Private Exterior Entry • 24 x 16 Cement Slab Entry • Shop, Storage & Loft • 14’ Main Entry Door • Vestibule to Indoor Arena • (3) 12’ Side & Rear Access Doors • 100’ x 50’ Heated Indoor Arena • Lift Master Openers 9

WHAT ABOUT THE

BUYERS? 10

C

ontinuing on from the front article on options in real estate…what about options for the buyer?? With the advent of technology spinning off in so many directions combined with this frenzied seller’s market – what does that mean for the buyers out there? What options do buyers have to compete in this market?

Well let’s talk about the market first. There’s no doubt this is a seller’s market and that means quite honestly more challenges for the buyer. Due to historic lows in inventory, there are simply less homes to look at. The inventory is so low in fact we’re getting started sooner.

If your goal is to buy something in June for example.. starting to get out and look at homes as early as March is suggested. You may need some flexibility in your living situation from buying to selling. We like to call that ‘Having a Plan B’.

Short-term housing solutions can off-set some of the buying challenges. You don’t’ want to make a purchase under pressure. That means you’ll be calling us to sell sooner than you planned to. Although not bad for us – not what we want to see you go through! Doing it right the first time around takes patience. Having a back up plan on housing allows for patience for your purchase. Short term rentals, AirBnB, VRBO, Extended Stay, friends or family – any type of contingency plan is a great plan.

What about terms within an offer to stand out? We’re seeing a ton of creativity in offers to make them standout yet limit a buyer’s exposure to risk. Increased earnest money, letting a seller choose the closing date, financing commitments and appraisal guarantees are just a few terms we work on. Escalation clauses have also gained traction this past year. An escalation clause for example is offering $400,000 with a clause to beat any other offer by $2,000 up to a max of $420,000.

On the bright side – rates are crazy low. We’re still seeing 30-year fixed rates below 3% which really allows a buyer to take advantage of cheap money and make the purchase they want. If you think about it terms of cost – going over a list price or not – the cost of a home in terms of monthly payment has been held in check due to low rates.

Let’s look at the price of a home in terms of down pay-

ment and monthly payment – 2 of the largest factors a buyer considers. If you’re planning on putting 10% down, an extra$20,000 in purchase price costs $2,000 out of pocket. If you’re conservative on calculating rates - $100,000 at 3% = $420 per month. So paying $20,000 more for a home than you expected costs $2,000 out of pocket and $85 per month more. Is that home worth that to you? As many of you know that have worked with us – we often guide our buyers through just that.

What’s the home worth to you? – more importantly, what is it not worth to you!

So is there anything actually making this market easier for buyers too? Yes! A few things come to mind quickly on that – technology & teams and new construction.

Technology has gone from allowing the realtor to hold the data to the data being completely public and available at your fingertips. If you’re ready, confident and prepared – acting quickly makes a huge difference.

Working with a team that can get out when a listing hits day 1 is huge. There are plenty of stories about buyers putting in 5, 6, 7+ offers and finally getting one approved.

This does happen but ask our friends Molly & Trevor about their recent buying experience. Plenty of prep time through their MLS search & really knowing what they wanted was the key for them. We made a very solid offer with a home that was day 1 on the market. It was the first offer we put together with them and it was crafted well. With 7 offers looming in the background, they chose to work with us. The offer was solid, to the point and gave the seller the ability to turn off the chaos.

Keep that in mind on the buyer side by the way – having 30 showings in a week is an absolute nightmare for a seller and they want to be done!

New construction has also been prevalent with the listing shortage. This is pretty common sense and has inventory has shrunk, builders have come out of all corners of the Twin Cities. New construction is less competitive than existing construction and allows you time to prep as well. If it’s a spec home or starting from scratch – the timeline can create some comfort for a buyer especially those that needs to sell as well.

Whether a buyer or seller – we customize the approach by taking the tools we have to fit your experience.

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HOME & STYLE

UNCOVERING CHARACTER Remaking an 1857 building revealed a series of quirky surprises that feel right at home for a world traveler.

P

art of the fun—and, at times, frustration—of renovating an old home is that you never know what you’ll encounter. For the design team who transformed an 1857 structure originally built as the Excelsior schoolhouse, those discoveries ended up defining much of the finished look.

In ripping out old plaster and lath, for example, crews uncovered 150-year-old two-by-fours of old-growth lumber, often packed solid with layers of brick. “We’d never seen a wall with bricks in between the studs like that,” architect Ben Awes says. “Normally that approach would rot out the studs, but they were fine—and it’s just beautiful.”

Whenever possible, lumber and brickwork were left in place and exposed. But when it had to be removed, 12

nothing went to waste. “We saved every single twoby-four and pulled out every nail ourselves,” says homeowner and interior designer Sheila Holleran.

The same philosophy applied to the building’s original finished millwork and Douglas fir floors.

The architecture provides the perfect foundation for the richly textured design style of Holleran, who grew up spending summers with family in the former Yugoslavia and worked as a flight attendant for Northwest Airlines. “I like to keep things simple, warm, and organic in nature, with items that are found or at least with the appearance of being found,” she says.

Preserving a good number of architectural elements also pays homage to the building’s history. As Excelsior’s oldest structure, it was built first as a school

but served for decades as a boarding house.

(The building’s nickname, “the Beehive,” refe rs to i t s days when it housed several boarding rooms.) At the time Holleran bought it, four apartments spanned three floors. The two main-floor apartments combined to become her home.

A w e s ’s n e w plan replaced a rabbit warren of spaces with free-flowing spaces better suited to the way Holleran and her teenage son, Mihailo, live.

As with the two-by-fours and brickwork, Holleran and Awes worked Demolition work revealed original brickwork and two-by-fours, including those in the den. around an existing chimney in the living area next to the kitchen we had a very square, blocky building, we decided and embraced the exposed steel beams and colto use that same language of different-sized blocks umns that went up as walls came down. cascading down the hill on the back,” Awes says. “It has a reference to the old part of the building, but it But their work had to consider the interests of others, creates an entirely new experience.” too. As part of the Excelsior Downtown Historic District, the house comes under the purview of the town’s Holleran believes they struck the right balance. “It was Heritage Preservation Commission, so changes to important not to mimic what was there,” she says. “I the rear exterior in particular were sensitive. “Because respect the past, but here’s what’s now.”

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CURRENT LISTINGS SOLD! – CLOSING IN APRIL

11433 Kingsborough Trail, Cottage Grove, MN 55016 Endless amenities and detail with soaring views of the Mississippi River and Golf Course. Over 5,000 sq ft with 6 car upper and lower garage on1.5 acres – new construction doesn’t compare.

Barrel-vaulted entry leads to exquisite main floor with all living facilities. Enjoy endless details inside and out with open living spaces, 13’ tray ceilings, highest quality finishes, fun spaces for entertaining and more. Private rear golf course views, extensive patios and landscaping, deck with pergola, heated garages – the details are endless.

7725 Cahill Avenue, Inver Grove Heights MN 55076

SOLD IN 48 HOURS – FULL PRICE CASH OFFER

Fantastic one-story home with over 1 acre of private views. This home as so much to appreciate both inside and out. Enjoy an open floor plan and fully renovated main floor. The gourmet kitchen features recessed cabinets, 7’ quartz island, granite tops, custom pendant lighting, double oven, undermount lighting, wine storage and more. Brazilian Cherry floors, built-in entertainment center & panoramic rear views complete the living room. The main floor bath has been fully renovated and bedrooms feature refinished maple floors, new fixtures and window treatments. The lower-level walks out to your private rear views complete with multiple patios, firepit, fenced gardens and generous landscaping.

48 HOURS – MULTIPLE OFFERS – CLOSING IN MARCH

5819 Fremont Avenue N, Brooklyn Center, MN 55430 This one-story home is in fantastic condition and ready for any buyer! Enjoy an open layout with amenities inside and out. This home features 3 bedrooms on the main floor and larger master suite with a private ¾ bath in the lower level. All the large ticket items are done with new windows, furnace, water heater, kitchen appliances, washer & dryer, screen doors, leaf-guard gutters and more. The exterior is generously landscaped and features a fence with gate, raised garden beds & detached 2 car garage.

Conveniently located ½ block to Grandview Park & Brooklyn Center Elementary.

Joe Holmes joeholmes@kw.com holmesgroupmn.com Office: 651.379.1581 | Cell: 651.491.2151

Bob Adamson btadamsonwbl@aol.com holmesgroupmn.com Cell: 651.387.6262

235 Park St, Elko New Market 55054

48 HOURS – 2 OFFERS – CLOSING ON MARCH 1ST

Fantastic one-story home with amenities inside and out. Enjoy the open floor plan with soaring 16’ vaulted ceilings. The gourmet kitchen features stainless appliances, walk-in pantry and walks out to your deck and private rear views. The over-sized master suite has a sitting area, large walk-in closet & master bath with separate tub & shower. The lower level is complete with wet bar, entertainment area and room for everybody. Endless details include 6-panel doors, knock down ceilings, accent lighting, gas fireplace, walk-in closets, expansive front patio, generous landscaping and more.

With all the big things done – roof ’19, concrete patio & driveway ’19, appliances ’19, water heater ’20, furnace & AC ’16, washer & dryer ’17 – this home is ready for any buyer.

48 HOURS – 8 OFFERS – SOLD 10% OVER LIST PRICE!

2653 Bloom Road, White Bear Township, MN 55110 Absolutely gorgeous executive rambler in White Bear Lake. Enjoy the convenience of 1 story living with tons of amenities and attention to detail. This open layout features 10’ ceilings, gourmet kitchen & walk-in pantry, large mudroom and amazing master suite. The gourmet kitchen features an 8’ granite island, 6-burner Thor range with flat top & commercial hood, custom pendant lighting, butcher block tops, soft-close drawers, undermount lighting and walk-in pantry complete with wine fridge. The oversized master suite is complete with a walk-in closet with built-ins, expansive bathroom with steam shower, separate tub, dual vanity, transom windows & built-in linen storage. Don’t miss the loft above the garage for extra space, office, storage or game room. This home is a masterpiece and will impress!

5210 Bald Eagle Blvd E, White Bear Township, MN 55110

SOLD – INQUIRE ABOUT MORE AREA LAKESHORE

Stunning home on Bald Eagle Lake!! With amenities all around & a gorgeous setting on the south side of Bald Eagle Lake, this home is a must see. Enjoy the sunny and inviting entry with tile floors, builtins and stone accents. The main floor features an open concept kitchen, living & dining space with lake views, floor to ceiling stone surround fireplace, hardwood floors, knockdown ceilings, custom lighting and gourmet kitchen. The formal dining walks out to your private stamped concrete rear patio and paver firepit. Other main floor features include a sunroom with hot tub, wet bar and upper level loft and more. The master suite is truly a must see with a private deck, sitting area with lake views, walk-in closet & adjacent laundry room. The garage is fully heated and has a rear garage door for easy backyard access. So many things to love and truly a must see.

Heather Pederson heatherlpederson@kw.com holmesgroupmn.com Office: 651.379.6315 | Cell: 612.964.2524

Jay Mangine jaymangine@kw.com holmesgroupmn.com Office: 651.379.6362 | Cell: 612.865.0400

Q A

With pricing going crazy, what happens if the home doesn’t appraise?

&

Joe answers questions he received from clients. Feel free to submit your own question.

Email us: joeholmes@kw.com

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Great question and lots of spin offs on that one. The short answer is we get to sit down with all parties of the transaction and figure it out. If there are costs built in for the buyer – that’s usually the first thing that is removed. If that’s not an option, then you get to have a very open discussion about the reality of how it affects each person. As a seller – if this buyer doesn’t work out, will the next buyer have the same issue?

As a buyer – do you have funds available to help bridge the gap? Is that worth not being able to buy the home you want? Long story short – we put on our problem solving & conflict resolution hats and get to work.

I assume it’s easier to sell a home right now due to the market, right?

I guess that would depend on what you mean by “easier”. It can take less time with a market like this but you also work through different challenges.

Appraisal issues like the last question are a reality.

At times you have buyers that feel an offer over list price enables them to be unreasonable with inspection results. And then there’s good ol’ fashioned buyer remorse. Buyers have to move quickly and sometimes that means re-thinking their offer and backing out completely.

Where do you see rates going in the future?

Simple .. rates will be going up sometime in the future. Am I a world class psychic on that? No. They’re just so low that it’s not feasible to expect lower rates. I believe rates will be steady and any increase we see in rates should be balanced not to completely offset a market and push home prices negative. There are so many factors that go into rates that I have to defer to our mortgage partners for this. Thomas Jussila with My City Mortgage can get into that with more details on market indicators to watch for moving rates. They’ll go up.. the better question is when and how quickly?

Now that the Packers are out of the playoffs – who do you have in the Super Bowl?

Let me preface this with a few things. Today is Feb. 4th.. around 2pm and it’s snowing like crazy in the Twin Cities. The Super Bowl is in a few days and by the time you get this, the game will be a distant memory. So even though you get this after the game – here’s my prediction before the game: The winner will be me! I’m looking forward to nachos and wings and football with the family. Doesn’t get any better than that – oh wait, it does. If my Packers would have gotten their head out of their @$&, it could have been much better. A bit jaded?

Maybe. That said – Chiefs by 10 and Tom Brady can go sit in the corner and cry.

Do you see an exodus out of Minneapolis or St. Paul due to covid or what happened last summer?

Covid brings a ton of natural activity to a downtown. From the commuters to the industries that support them, sports, nightlife and so on. I think the main real estate markets that are effected are in the commercial world with empty office space and companies re-thinking what an office actually is and how it’s used. For residential real estate – the condo markets are one to watch over the years to come.

CALL US TODAY! 651-379-1581

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OnlineCrosswords.net This is the Daily Crossword Puzzle #1 for Feb 2, 2021

Find the solution at https://onlinecrosswords.net/8976

CROSSWORD SUDOKU Puzzle A

7

3 4 6 8 3 5

1 6 2 4

8 4 5

2

4 6

8 7

2 1

5

9 1 2

1

7 8

Puzzle B

6 7

Across 1. "Dance With Me Henry" singer Georgia 6. Loan nos.

10. Fishing gear 14. Medium medium 15. Attention-getting sound 16. Inter __ 17. Japan's "City of Water" 18. Entreats 20. Limitless limit?

21. Canine commuter system?

23. Jumble 25. It may be golden 26. Pole, for one 28. Least warped, as a beam 30. Winter setting in Wyo. 33. Court denizen 35. "Six __..."

37. Horns in the woods 38. Brawl site 40. Explosive trial 41. Rejected 42. Norse god of strife 43. Charged 46. Bouncer's concerns 47. __ du Louvre 48. Crackers in a red box 50. One who understands canaries?

54. Dry gently, as tears 57. Californian, e.g.

58. Curriculum suffix 60. "Must've been something __" 61. Town in Abruzzi 62. "Cross my heart!"

63. First-time tux wearer, maybe 64. Grief cause 65. Goes it alone

3

9

6

5

6

3

9

4

1 9 5 9 7

9 7 6 8 2 4 3

8

Issue 16 Sudoku Solutions Puzzle A

2 9 8 5 3 7 1 6 4 18

5 6 4 2 8 1 7 9 3

1 3 7 4 6 9 5 2 8

Puzzle B

7 2 6 9 1 3 8 4 5

8 4 9 7 2 5 3 1 6

3 5 1 8 4 6 9 7 2

6 1 2 3 7 8 4 5 9

9 7 3 6 5 4 2 8 1

4 8 5 1 9 2 6 3 7

9 3 5 2 6 4 1 7 8

2 8 6 1 3 7 4 5 9

4 1 7 8 5 9 6 2 3

1 6 4 5 8 2 3 9 7

8 2 9 7 1 3 5 4 6

7 5 3 9 4 6 8 1 2

5 7 1 6 9 8 2 3 4

3 9 8 4 2 1 7 6 5

6 4 2 3 7 5 9 8 1

Down Across Down Pontiacs since 1964 singer 19. Time 1. 1. “Dance With Me Henry” 1. managers?

Pontiacs since 196441. Kitchen gadgets 2. Georgia "That's all __" 44. Kind of body 22. "When You Wish 2. “That’s all ” 6.

3. Issue for arguing asses?

Upon __" 3. Loan Issuenos. for arguing 45. Treating nastily 10.

Fishing gear 4. ways choy asses?

24. Wicked 47. Measured (out) 14.

5. Attempts 4. Medium __ choy medium 26. Perspective 49. Woods tools 15. Attention-getting sound 6. Oft-seen puzzle clue letters 5. Attempts 27. Full of fluff 16. Inter 7. Look from hiding 50. Bit of lawn litter 6. Japan’s Oft-seen puzzle clue 29. Patient tenders, for 17.

“City of Water” 8. Consignee’s hope 51. Tear's mate letters short 52. Spanish pronoun 18. Entreats 9. Shells out of bovine 7. Limitless Look from hiding 30. Object 20. limit?

10. Bead material 53. Barbra's "A Star Is 21. commuter system? witchcraft?

11. Like a school supplies mkt. costar 8. Canine Consignee's hope Born" 23. Jumble 12. Caught up to, in a way 31. Porcine proboscis 9. Shells out 55. Currency exchange 25. It may be golden 13. Ready-to-mail item, briefly 32. Weather word 10. Bead material fee 26. Pole, for one 19. Time managers?

34. Be a wiseacre 11.

Like a school 56. The better players 28. Least warped, as a beam 22. “When You Wish Upon ” 36. Like24. a wiseacre supplies setting mkt. in Wyo. earn them 30. Winter Wicked ways 38. It's 26. Perspective heard in a herd 12.Court Caught up to, in a 59. John, to Paul 33. denizen way 35. “Six ...”

27. Full of fluff 39. __ crow flies 37. in the woodsitem, 29. Patient tenders, for short 13.Horns Ready-to-mail 38. Brawl 30. Object of bovine witchcraft? briefly site 40. Explosive trial 31. Porcine proboscis 41. Rejected 32. Weather word 42. Norse god of strife 34. Be a wiseacre 36. Like a wiseacre 43. Charged 38. It’s heard in a herd 46. Bouncer’s concerns 39. crow flies 47. du Louvre 41. Kitchen gadgets 48. Crackers in a red box 44. Kind of body 50. One who understands canaries?

45. Treating nastily 54. Dry gently, as tears 47. Measured (out) 57. Californian, e.g.

49. Woods tools 58. Curriculum suffix 50. Bit of lawn litter 60. “Must’ve been something ” 51. Tear’s mate 61. Town in Abruzzi 52. Spanish pronoun 62. “Cross my heart!”

53. Barbra’s “A Star Is Born” costar 63. First-time tux wearer, maybe 55. Currency exchange fee 64. Grief cause 56. The better players earn them 65. Goes it alone 59. John, to Paul

19

Great Baker.

Great Realtor.

Easy. Simple Real Estate.