Neighborhood News—Grrr…The Lions of Michigan Avenue

Photo of The Art Institute of Chicago is one of the oldest and largest art museums in the world.

The Art Institute of Chicago,  111 S. Michigan Avenue, is a global icon in the world of art. But ask tourists and locals alike how you’d recognize the building in Chicago’s Loop, at the south end of Grant Park, and there’s one universal answer: 

“It’s the one with lions,” they’ll say.

Through the holiday season, the Lions are standing guard wreathed for the season in brilliant red and green. But those two lions have also celebrated every Bears Super Bowl victory, Chicago Sky championship, Chicago Blackhawks Stanley Cup championships, and Chicago Bulls championships with official logo helmets and face masks covering their majestic visages. 

Why Lions?

It started with a prominent animal sculptor named Edward Kemeys, and his  wife Laura, also a sculptor.  According to an Art Institute blog, Kemys and his wife came to Chicago in 1885, when the Art Institute decided to hold an exhibition of some of Kemeys’s small animal sculptures. They also were working on sculptures to be used at the 1893 Columbian Exposition, later the permanent home for the Art Institute on Michigan Avenue. 

During this period, Mr. and Mrs. Kemeys were approached by benefactor Mrs. Henry Field, who commissioned the animal sculptors to create the two Art Institute lions in memory of her husband. In May 1894, the bronze lions took their place on pedestals in front of the museum. 

Fun fact: The Art Institute of Chicago’s blog says the lion on the north pedestal is “on the prowl.” The other, “in an attitude of defiance” on the south pedestal was, according to the artist, “the most difficult I have ever attempted. The design called for two lions “to stand upon the flanks of the great external entrance stairway.”

And what happened to the Kemys? According to Wikipedia sources, they created other important works, including ‘Panther and Deer,’ and ‘Coyote and Raven.’ A colossal head of a buffalo for the facade of the station of the Pacific railroad at St. Louis, Missouri. Kemeys died in Washington, D.C., on May 11, 1907. He and his wife are buried in Arlington National Cemetery.

Free and lovely to look at 

As the Loop Business Alliance notes, The Art Institute of Chicago is the second largest art museum in the country, with a collection of approximately 300,000 works of art. But unlike most of the works of art in this renowned structure, the two-ton lions can be seen 24 hours a day, seven days a week, 365 days a year…for free.  But don’t go further than the lion’s green-bronzed eyes after hours…no one knows what the night can do!  

Alison Moran-Powers and Dean’s Team Chicago

Restaurant Review: Still time for Breakfast with Santa… if you hurry!

Image of cute Santa deliver pancakes in retro train cartoon

With a week and a half left before Christmas, several area restaurants are still serving up frosty, festive delights as you “Breakfast with Santa (or the Grinch)!”

Santa is coming to the West Loop’s Carnivale, 702 West Fulton Market Street on Sunday, December 18! They’re serving a traditional all-you-can-eat holiday buffet, along with a special visit from Santa and Ms. Claus. Sample from several unusual grazing stations around the venue. They include the ‘Salmon and Bagel Station, with smoked salmon, capers, cream cheese, sliced cucumbers, and cherry and raspberry jellies; ‘Paella and Spanish Charcuterie,’ with seafood and vegetable paellas, chorizo sausage, candied almonds and dried fruits; a Churrasco Carving Station featuring Tomahawk bone-in ribeye, braised short-rib barbacoa, while their Pastries and Dessert station features a donut wall, churros, and cotton candy. Soda, coffee and tea are included. Adults are $55, and children ages 10 and under years are $25. For reservations, click here

Before you attend ‘Light up the Lake’ at Navy Pier, there’s a great place to take kids for an extra-special celebration! Streeterville’s Harry Caray’s Tavern – Navy Pier, 700 E. Grand Avenue, serves up Breakfast with Santa + Wigglewormson Sunday, December 18, from 10am-2pm, serving holiday-inspired breakfast favorites and visits with Santa. Try their Avocado Mistle-Toast, with avocado mash, fried egg, and Texas toast, or the Holiday Hash Skillet, with pulled pork, potatoes, and red & yellow peppers,onion, BBQ sauce, and sunny side-up eggs. Frosty’s French Toast comes with maple syrup and fruit. A live performance by an Old Town School of Folk Music Wiggleworms teacher will have you and your children singing and dancing to holiday classics. BTW…the venue wants you to know that Santa Claus is fully vaccinated. For reservations, click here

Maybe Lunch or Dinner with Santa instead? At the Loop’s 124-year-old Berghoff Restaurant, 17 W. Adams, on Saturday, December 17, Thursday, December 22, and Friday, December 23, from 1pm-7pm, a very merry holiday meal awaits you and your family, along with a special visit from Santa. The kids can enjoy Die Weihnachtsgurke (the Christmas pickle), a fun Bavarian tradition for kids and those young at heart. As their website explains, “See if you can find the pickle ornament hidden in our Christmas trees throughout the restaurant.” Any child who finds a pickle ornament in any of our trees will receive a year of good luck and a Berghoff Root Beer for $1.00. This year the money raised from the root beer sales will benefit SOS Villages of Illinois, which helps children. Their special Holiday Menu includes a Winter Warm Up Combo, which includesa small Berghoff Salad, a cup of their Soup of the Day, and a Grilled Cheese with provolone served on house-baked sourdough bread. Their famous Bavarian menu includes Spatzleknödel, which is a spätzle dumpling stuffed with smoked gouda, chicken andouille, spinach and fried leeks, topped with a Sriracha buerre blanc, and served with a quinoa and arugula salad. Your meal is complete with their house-made White Chocolate Mousse. 100% of the profits from the sales of the mousse will be donated to the SOS Villages of Illinois. For reservations, click here

At Kroll’s, an upscale pub in the South Loop, 1736 S. Michigan Avenue, ‘Breakfast with the Grinch’ is already sold out on Saturday, December 17, but you can add your name to the waiting list. If enjoying a morning of Grinchiness, eating and drinking holiday-themed food and beverage, and watching ‘The Grinch’  on Kroll’s four large projection screens while writing your letter to Santa appeal to you, click here to add your name to their waiting list.

Alison Moran-Powers and Dean’s Team Chicago

Chicago Home and Lifestyles –  Goal plan for the New Year

Photo of a businessman hand holding wooden cube block with SMART business word on table background.

Yes, we are in the middle of the holiday season and who has time to even think about the New Year. But studies show that the most successful people always set out their goals for the year! It’s best to separate your business goals and your personal goals. Don’t forget the personal ones. For a balanced life we need to pay attention to our personal life also. 

To get serious about our goal setting we need to use a good formula. S.M.A.R.T. is an acronym used to describe and formulate your goals. If we want to have goals that are attainable, we need to make sure our goals fit the S.M.A.R.T. system. 

S stands for specific. You can’t just say I want to lose weight, or I want more clients next year. Exactly how much weight? How many more clients? I want to work out more, how many times will you work out a week? The more specific you get will ensure that you will be successful. Many times, goals are too vague with no sense of direction. 

M stands for measurable. Instead of saying I want to make more money next year, put a number there. Weight loss, the same. Knowing your numbers here is important. Business wise especially. If you are in sales, how many connections do you need to make in order to procure a piece of business? Without a way to measure progress how can you tell you’re progressing?

A stands for attainable. Goals must be realistic. Of course, you want to challenge yourself but to state a goal that has little or no chance to be achieved sets you up for failure. Losing 20 pounds in January sounds great but not likely to happen. Remember, goals achieved quickly can be changed easily. Start out small. 

R stands for realistic. Realistic, as we have mentioned before. You need to think about whether that goal is reachable considering your resources. Most importantly, are you able to commit to achieving this goal? 

T stands for timely. Goals need to be time bound. Hear is where your small steps come in. You may want to lose thirty pounds this year but break it down to 2-3 pounds per month, which is the healthy way it can be attainable. Business goals need a deadline too. Monthly or quarterly, we need to assess how our plans are progressing. Adjustments can be made early before you get off track. 

Try to fit in a little goal setting during your holiday season. Start out small with some achievable goals and keep track. You will find out you can really improve your business and personal life with a little planning. 

Kathleen Weaver-Zech and Dean’s Team Chicago

Prep Your Home for Holiday House Guests

Photo of a bed maid-up with clean white pillows and bed sheets in beauty room

Is your home is the hub of the holidays this season? If so, you’ve got some work to do before your guests knock on your door. Luckily, it doesn’t have to take weeks of hard labor to get your home ready – just a few smart and simple tasks will do the trick to get things prepped for holiday house guests.

Figure Out the Sleeping Arrangements

If you’re lucky enough to have a guest room, fantastic. If not, you’ve got a little coordinating you do. Figure out the sleeping arrangements for your house guests, and if that means shuffling family members around to accommodate, do these logistics beforehand.

Maybe Junior will have to sleep with Mommy and Daddy to free up a bed, or perhaps the living room couch will be need to act as a makeshift bed. Whatever the case may be, have this arrangement handled in advance so you’re not scrambling at the last minute.

Make Up the Guest Bed(s) With Fresh Sheets

If no one has slept in the guest bed for months, the sheets will start to get a bit stale. Rip those babies off and slap on a set of crisp, fresh-smelling bedsheets and pillowcases. Set out some extra blankets and pillows too, in case your guests are the type to get really cozy and bundled in bed. And while you’re in there, take a couple of minutes to tidy up and get rid of anything that doesn’t belong.

Clean and Stock Up the Bathroom

Tidying up and dusting is a no-brainer, not just when house guests are shacking up with you. But one room in particular that needs some extra attention is the bathroom (for obvious reasons). Most people won’t get too bent out of shape about a tad of dust underneath furniture, but certain marks and streaks (and smells) in the bathroom can be enough to turn anyone off.

Make sure you clean every corner of the bathroom, including the floor, sink, toilet, shower stall, bathtub and mirrors. Dump out the trash, take out a fresh stack of clean towels, refill the soap dispenser, and restock the toilet paper. Your guests will appreciate the fact that they don’t have to bust your chops asking for anything when everything has already been handed to them on a silver platter.

Have Your Morning Essentials in Order

Some people instinctively reach for their coffee first thing in the morning, while others look forward to a massive bowl of cereal when they wake. Everyone’s different, so make sure you get the 411 on what your house guests prefer to have at their disposal in the morning.

Find out what they like to drink and eat for breakfast, and make sure to hit the supermarket to pick these things up before they arrive. Set these things up in an easily-accessed area on the kitchen countertop, and be sure to point them out to your house guests when you’re giving them the tour so they don’t feel obligated to be served in the morning.

Give Them a Spot to Chill Out in Peace

As cool and fun-to-be-with as you are, most people don’t necessarily want to be in each other’s faces 24/7. So give your house guests some quiet space where they can catch up on their novel, watch their favorite show, or do whatever else floats their boat. They’ll appreciate the consideration of setting up a little area where they can retreat to in order to get a little ‘me’ time.

Plan Things to Do

Depending on how long your house guests plan to stay with you over the holidays, you might want to plan some fun things to do while they’re there. Sure, you could watch holiday movies until you’re blue in the face, but consider finding out what types of things your guests might be interested in doing besides being stuck in front of the tube.

Maybe they’d like to check out the local museum or infamous eateries in your city. Or maybe they’d like to check out some landmarks specific to your town, or even checkout a show. You don’t have to do all of these things, but even a day or two of activity can be enough to break up the monotony of an extended holiday guest stay.

The holidays are all about family and friends, and sharing in the joy of the season. But if you’re well-prepared for your house guests, the holidays can be that much sweeter.

THIS WEEKEND IN CHICAGO – Getting into the Spirit of the Season!

Image of the Scrooge meets the Ghost of Christmas Present on his throne surrounded by gifts and food.

As we inch closer to the Christmas holiday, there is no shortage of holiday activities to get you, your family, and friends in the spirit of the season!

Chicago’s multitude of holiday shows will not only entertain you but will most likely get you into the spirit of the season. Here are just a few –

A holiday tradition since its debut in 1978, A Christmas Carol has entertained millions of Chicagoans, both adults and children alike, for over four decades. This timeless tale of Scrooge and his voyage into Christmas past, present, and future can be seen at the Goodman Theatre (170 N. Dearborn St.) in The Loop now through December 31st. The music, the dance, the awe-inspiring effects that accompany the arrival of the ghosts, and the antics of Scrooge as he rediscovers the joy of Christmas Day will undoubtedly leave the audience with a thrilling experience that can only happen in a live theater performance!

Come and celebrate the magic of the season at the Lyric Opera House (20 N. Wacker Dr.) in the Loop with the production of The Nutcracker now through December 27th. This annual holiday tradition shares the rich cultural heritage of Chicago as it is set against the backdrop of the 1893 World’s Columbian Exposition as Marie sets out on an unforgettable journey of sights, sounds, and enchantment performed by none other than the Joffrey Ballet!

Experience the enchantment of Christmas at A Magical Cirque Christmas this Saturday and Sunday at the CIBC Theatre (18 W. Monroe St.) in The Loop.  The world’s greatest entertainers unite for the world’s greatest variety show featuring jaw-dropping, breathtaking circus acts as the audience is transported to the golden age filled with stunning costumes, extraordinary talent, and more! Plus, all your favorite carols will be sung with the assistance of incredible live musicians on stage. This family event will surely get you into the spirit of the season with lasting memories as well!!

Whether you’re just beginning your holiday shopping or need a last-minute gift, check out the Revolution Craft Holiday Show this Saturday (12 p.m.-6 p.m.) at Revolution Brewing (2323 N. Milwaukee Ave.) in the Logan Square neighborhood. This show is free to enter, offers hand-crafted goods from 40+ local artists, and provides a unique mix of crafts, beer from Revolution Brewing, and food trucks!

Journey into the ultimate holiday adventure at Jack Frost’s Winterfest at Goose Island (1265 W. LeMoyne Ave.) now through January 1, 2023. This outdoor winter extravaganza has something for all ages by offering a selection of nine fun-filled outdoor activities featuring a Christmas tree farm, ice skating, snow tubing, bumper cars, after-dark light display, photo ops, and much more! Stroll under 10,000 holiday lights with a festive drink in hand and dive into the seasonal fun offered here!!

A premier holiday destination for families is the Sparkle Light Festival held at Impact Field (9850 Balmoral Ave.) in Rosemont now through January 1, 2023, from 4:30 p.m. to 9 p.m. Come explore their five illuminated villages which include the Frozen Forest, Snowflake Circle, Winter Wonderland, the North Pole, and Deck the Walls. Additional attractions include winter tubing on the Alpine Slide and free train rides on the Holly Trolly. New attractions this year include Rudolph’s Kids Zone and a two-story ice slide! Plus, a special menu of festive food and beverages will also be available for purchase. All are sure to enjoy the evening with its breathtaking display of millions of holiday lights!!

Sue Moss and Dean’s Team Chicago

Neighborhood News—Starry, Starry Nights (and days!) at the Adler Planetarium

Photo of Chicago,IL Aerial at he Adler Planetarium

“The Adler Planetarium connects people to the universe and each other.”

Next to Los Angeles ‘ Griffith Observatory, the Adler Planetarium is likely the best -known Planetarium in the United States. Located on the northeastern tip of Northerly Island on Lake Michigan, the Adler Planetarium was the first planetarium in the United States. Its domed presence rising high above Lake Michigan’s waters at 1300 S. DuSable Lake Shore Drive. 

According to Wikipedia sources, the Planetarium began as the vision of Max Adler, a recently retired Sears, Roebuck & Co. executive and philanthropist. Adler listened to a friend describe a Munich planetarium. He decided that a planetarium would fit in well within the emerging ‘Museum Campus’ (Field Museum of Natural History, Shedd Aquarium).

Adler visited the Munich planetarium with his cousin, architect Ernest Grunsfeld Jr.. Adler then commissioned Gruenfeld to design the Chicago structure. At the same time, Adler learned about a sale of astronomical instruments and antiques by W. M. Mensing in Amsterdam, which he purchased the following year. The Mensing Collection became the focus of the then-called ‘Astronomical Museum’. Adler offered $500,000 in 1928 for the construction of the first planetarium in the Western Hemisphere, and on The Adler Planetarium opened to the public on Adler’s birthday, May 12. Phillip Fox, Ph.D., a professor of astronomy at Northwestern University, is appointed the Planetarium’s first director

What was space exploration like in the 1930’s? The history of exploring the universe dates back to the earliest centuries. Still, there was no NASA at the time. Clyde Tombaugh had just discovered Pluto (in 1930). There were only very large telescopes and curious scientists that had gone before, like Sir Isaac Newton’s theory of gravity in the 18th Century, Albert Einstein’s 1916 theory of relativity, Robert Goddard’s rocketry in its infancy, and 1910’s Ritchey-Chrétien telescope to inform us of Earth’s orbits and planets in the solar system. It took until 1947 for Chuck Yeager to break the sound barrier. The Adler Planetarium grew up, along with the era of rocket and ultimately, space exploration. 

Today…

The Adler has three theaters, space science exhibitions, Including the Gemini 12 space capsule, and a collection of antique scientific instruments and print materials. In addition, the Adler Planetarium hosts the Doane Observatory, a research-active public observatory incorporating interactive displays into 60,000 square feet of exhibitions while showing mind-blowing sky shows (produced in-house) that take you above and beyond the stars via stellar 30-minute space adventures. Adler Planetarium For Kids

The Adler Planetarium accommodates the experience for people of all ages. While there are plenty of exhibits and shows that are perfect for the entire family, there are specific exhibits designed to give children an adventure of their very own.

‘Adler at Night’ on Wednesdays: special programs, honored guests 

Every Wednesday is free museum entry for Illinois residents with proof of residency. Their Wednesday hours, from 4:00 pm–10:00 pm, are the perfect time for “hands-on, minds-on activities, experiences, and shows about the universe that will blow your mind,“ guaranteed! On Wednesday, December 14, a very special ‘Adler at Night,’ is planned, where you can meet scientists from around the country from 6pm–9pm, as part of the American Geophysical Union’s fall conference. Experts from the NASA Heliophysics Education Activation Team (NASA HEAT), the Center for Geospace Storms (CGS), NASA DRIVE Center, and the Interstellar Mapping and Acceleration Probe (IMAP) programs, among many others, will be on hand to provide their expertise. Book your tickets for December 14 or any future Adler at Night now by clicking here

Alison Moran-Powers and Dean’s Team Chicago

Restaurant Review – ‘It’s Christmastime/Hannukah Time in the City’…

Photo of a blurred background of restaurant, bar or night club with colorful lights

The December clock is ticking down to the highest of holiday celebrations, and Chicago’s restaurants are going all out to make sure your celebrations are memorable and stress-free. Whether you’re celebrating Hannukah (starts Sunday, December 18), Christmas (Sunday, December 25) or Kwanzaa (Monday, December 26), there’s a place for you to celebrate time-honored traditions with friends and family!

 Oh Hanukkah, the sweet celebration (December 18-26)… 

Lincolnwood’s L. Woods Tap & Pine Lodge, 7110 N. Lincoln Avenue, offers both Hanukkah and Christmas specials, but one spoonful of their Matzo Ball Soup, with a fluffy matzo ball surrounded by not-so-salty chicken broth, and you’ll be a believer for life! Follow that with their home-smoked braised brisketpotato pancake, and green beans, and finish off with their gooey chocolate cake, and you’ve got a festive celebration! The meal is available a la carte for dine-in or carry-out. For more information, click here

In Uptown, Sam and Gertie’s,1509 W. Wilson, ‘Chicago’s First Vegan Jewish Deli ‘ is serving up “Tradition & Geshmak (delicious),” as their website proclaims. The deli features mostly Ashkenazic delights, including their Maccabee Feast, for Hannukah which includes noshes such as olives, pickles, chopped ‘Livah/Whitefish’less/Egg’Less Salad & Bagel Chips,’ Matzo Ball Soup with Challa Knot, Latkes (potato pancakes) with cran-orange applesauce and sour cream, followed by Brisket Cholent and Lentil Roast with mashed potatoes, broccoli, brussel sprouts, and pineapple kugel. Leaveroom for the macaroons! To reserve your feast, or to order ala carte, click here

Oh Christmas Tree, Oh Christmas Tree… 

In River North, STK Steakhouse, 9 W. Kinzie Street,proclaims it’s “not your daddy’s steakhouse.” Indeed, it’s open on Christmas Day, which immediately sets it apart from most restaurants, which take the day off. Another way… their prime rib dinner is a feature on their ‘Holiday Cheers Menu,’ which includes wagyu beef , caviar, and many other ala carte delights. For reservations, click here. 

If you prefer Mediterranean specialties, another restaurant open Christmas Day is Cira, 200 N. Green Street. For starters, try Muhammara, withroasted red pepper, walnut and date, served with pita. Or awarm Piri Piri Spinach Artichoke, fragrantwithgarlic breadcrumbs, and toasted sesame sourdough. Then, to quote a recent Google reviewer, “The pistachio ravioli is to die for.” And it’s green, like Christmas! Must-try small plates include the Chilled Porchetta “Tonnato” with creamy tonnato sauce, mustard greens, and capers. Large plates include Fire Roasted Chicken Thighs, with pomegranate glaze, baby Yukon potatoes, bagna cauda, and pickled fresno, and Piri Piri Whole Dorade, with a citrus-herbed marinade, pickled peppers, and charred lemon. But save room for desserts like Apples & Almonds, with almond whip, honey crisp apples, spiced cider sherbet, and honey almonds. Or Salted Honey Budino, with brown sugar pears, candied hazelnut, and brown butter. So much more! For reservations, click here

Kwanzaa… “First fruits of the Harvest”

Kwanzaa honors African heritage in the African-American culture. Meaning ‘first fruits of the harvest’ in Swahili, the weeklong celebration devotes one day each to their seven core principles, known as Nguzo Saba. One of those principles is creativity (Kuumba), celebrated on Sunday December 31. Food counts! In Rogers Park,  Yinkres Nigerian Restaurant, 2407 W. Lunt Avenue, is highly rated for its fresh food and friendly service. Start with Oxtail Pepper Soup, with beef and oxtail marinated in a spicy pepper soup broth, Yam and Plantain, or Fried Broiled Yam with an Omelette. Several reviews mentioned the jollof rice with goat. “I’m obsessed,” said one recent Google reviewer. Literally THE BEST African food on the north side!” There’s no website available, but you can call them at 773-836-0451.

Another African spot worth noting is Irving Park’s Zebda, 4344 N. Elston Avenue. According to one Google reviews, Zebda is a “cozy and intimate family owned North African/Maghribi restaurant, featuring Algerian, Moroccan, and Tunisian cooking.” Another reviewer gushed over chicken kabob platter. The chicken was so flavorful, the rice was was great, also their sauces were amazing too. I would go back just for the sauces.” Again, no website, but call them at 773-545-7000.

Happy holidays to all! 

Alison Moran-Powers and Dean’s Team Chicago

Chicago Home and Lifestyles – How to keep disagreements civil

Image of a concept of conflict, bad relationship

It is possible to have a conversation where you don’t agree but neither of you becomes defensive. We can’t always control somebody’s reaction to a situation. It’s natural to defend yourself if you feel your beliefs are being threatened. So, while not everyone who enters a conversation intends to be civil, there are a few things we can do proactively to help the situation. 

Be mindful of your language. Not only bad language but the way we say things can have a great effect. Avoid shaming or blaming the other person; even using the words “you should” can cause someone to become angry or defensive. Perhaps a person is not entirely confident in their position on a matter. So, always think before you speak.

Avoid telling someone else what to do, how to feel, or give unsolicited advice. In society today, we are sometimes so focused on getting our own ideas out that we don’t remember there are other perspectives to consider. Share your experience, and use just those words, “This has been my experience”. Be willing to be vulnerable and to expect the other party to push back. When you do get pushback it’s good to diffuse the situation. You can say, “I might be hitting a nerve, that’s not my intention. If you are uncomfortable, we don’t have to talk about it.” Just keep yourself from getting defensive too. 

Think about your motives before starting a conversation you know might make another defensive. Do you just want to push your position? If the conversation needs to be had, start it out with an open-ended question, “Tell me more about that, I’d like to know your views.” This shows humility, grace, and a sense of openness. If you do this, you have a much better chance of getting a good response rather than a defensive one. If everybody came to the table with the concept of having a civil conversation, the world would be a much better place. 

Kathleen Weaver-Zech and Dean’s Team Chicago

Rookie Mistakes Home Buyers Should Avoid

Home buyers with a real estate agent signing a contract

Think about all those past purchases that you’ve later regretted. And while you may have wasted your money on these items that were seldom used, they pale in comparison to the amount of money you’d be spending on a home. That’s one major purchase you definitely don’t want to suffer ‘buyer’s remorse’ from.

Buying property is likely the biggest investment you’ll ever make in life. It’s is an exciting thing, but it can also send you up the creek if you’re not careful.

If you’re a home-buying newbie, steer clear of the following common mistakes that rookies tend to make throughout the buying process. Your wallet will thank you.

Not Finding Out What Your Credit Score is

Your credit score plays a key role in whether or not a lender will say “yes” to your mortgage application. And even if you do get a stamp of approval, your credit score could affect the interest rate you get stuck with. The higher your score, the better. Generally, if your score is 700 and up, you’re looking at getting the lowest interest rate that the lender can offer, which can shave off thousands of dollars from your mortgage.

You’ll want to find out what your credit score is before you even look into getting a mortgage pre-approval. And that means getting your hands on a copy of your credit report. Chew on this fact – over 40 million credit reports have mistakes in them! And these mistakes can have a grave effect on the credit scores that Americans are walking around with. Catching these errors and disputing them before you apply for a mortgage can ensure that the interest rate you’re given accurately reflects your actual score.

So if you find any errors that could affect your credit score, make sure they’re fixed right away. Check your credit report at least three months before house hunting, and if you spot an error, kindly ask the credit bureau to fix it.

Not Visiting With a Mortgage Specialist

How will you know what you’ll be able to afford if you don’t get your finances in order and get pre-approved for a loan? Even if you’ve got a decent handle on your money, that doesn’t necessarily mean the bank will say “yes” to financing a certain purchase. There are a lot of factors that affect your mortgage application aside from just the listing price of the home.

Before you start pounding the pavement in search of a new house, it’s wise to get pre-approved for a mortgage first. While this doesn’t exactly guarantee that final approval will be granted, it’ll at least give you a specific price range to look within, and it’ll show the seller that you’re serious about buying and that you’ve done your due diligence.

If you’ve been pre-approved for a mortgage that would cover no more than a $600,000 home, there’s no point in looking in neighborhoods where the average home goes for $900,000+.

Falling in Love With a Home That You Haven’t Bought Yet

This is a biggie. Newbie homebuyers have a tendency of falling head-over-heels in love with a home while on the market prowl, only to wind up losing the home for whatever reason. This ends up leaving homebuyers heartbroken and jaded about the market, which does nothing put put a wrench in the process.

You may come across a home that you absolutely adore, but getting emotionally attached before you’ve even signed on the dotted line is a bad idea. What if there’s a bidding war and you lose out? What if you can’t get financing for the place? There are several reasons that could prevent you from snagging that prized possession, so keeping your emotions in check can is important.

Remember – there’s always going to be another house out there. The more homes you visit, the better.

Waiving the Home Inspection Clause

Even the home you’re thinking of buying is new-ish, it still needs to be inspected by a professional after you’ve signed a purchase agreement. You just never know what might be lurking up in the attic or in the plumbing pipes that you might not have noticed during your own inspection of the home.

New homebuyers might skip this step because they get emotionally attached to the property (see #1) and want the place no matter what. Maybe they’re competing with another interested buyer and want a clean contract to get the deal done. Whatever the case may be, waiving the home inspection is a bad idea.

This clause will help protect you should the inspector find something that would otherwise be a deal-breaker. You’re then legally able to walk away from the deal if something is found that you just can’t live with, or you can even ask the seller to fix the issue or drop the price in compensation. Don’t be afraid to include this clause, and speak up to get things fixed before you seal the deal.

Not Using an Agent

Just about everyone who’s looking for a home will look to the internet to search listings and see what’s out there. That’s fine and all, but when your search starts to get serious, there’s no substitute for a real live agent.

A good real estate agent will find homes that you won’t necessarily see advertised on the net. They’ve got the inside scoop on properties that might not even have hit the market yet. And aside from what the home is priced at and what it looks like, you’ll be able to get a lot more nitty gritty details about properties that the average joe won’t be able to find, such as recently sold comps, neighborhood walk scores, and so on.

You’ll be better armed at the negotiating table if you’ve got a professional real estate agent in your corner.

This last one is probably the biggest mistake you’ll want to avoid, as an agent will help prevent you from making the other blunders in the first place.

Jumping into the real estate market for the first time is exhilarating, and so it should be. But taking precautions is totally necessary if you want to avoid getting stuck in a money pit.

THIS WEEKEND IN CHICAGO – Pulling Out All the Stops this Holiday Season!

Image of Santa Claus is coming to town text with christmas character sliding and riding sleigh in snow for xmas season celebration

As we enter the month of December, Chicago is pulling out all the stops this Holiday Season for one and all to have a joyful and memorable time!  So, let’s get started with this weekend’s batch of holiday favorites!!

Calling all Santas!  It’s time again to compete for the gold medal during the Santa Hustle® Chicago 5K & Kids Dash this Saturday at Soldier Field (1410 S. Museum Campus Dr.) in the South Loop.  The Kids Dash will start (8:30 a.m.) and finish at the Finish Line in front of Soldier Field with each Kids Dash participant receiving a Santa Hat, a Santa Beard, a Race Bib, and a Finisher Medal.  The 5K will start at 9:00 a.m. with each 5K participant receiving a cozy and comfy Unisex Hoodie, a Santa Hustle embroidered Beanie, and a Snow Globe Finisher Medal.  Plus, there will be cookie and candy stations, one water/aid station and volunteers passing out goodies and keeping spirits high along the course!  And there’s even more cookies at the finish line – Ho-Ho-Ho!!

Come One, Come All to the return of Chicago’s Ugly Sweater Bar Crawl this Saturday (3 p.m.-10 p.m.) at various River North neighborhood bars.  Your general admission ticket includes door cover charges waived, up to 50% off beers and well drinks, up to 25% off select foods, free entrance to 5+ bars, holiday themed drinks, an Ugly Sweater contest, DJs & entertainment at select bars, and more!  So, dig out your fav holiday ugly sweater, or a Santa suit, elf costume, or a holiday-themed onesie, and get dashin’ through the bars!!

Join in on the fun aboard Santa’s BYOB Holiday Lights Tour Luxury Bus now through December 30th departing from Rizzo’s Bar & Inn (3658 N. Clark St.) in the Wrigleyville neighborhood as you are taken to and from some of Chicago’s most memorable attractions in a 4-hour tour aboard a climate-controlled luxury party bus.  Also included in this adventure is a complimentary Chili and Mac & Cheese buffet at Rizzo’s; one of Santa’s elves onboard the bus making sure all guests are having a blast; and express entry admission tickets to the Lincoln Park ZooLights and the Christkindlmarket in The Loop!  Plus, other attractions you can view from the comfort of the party bus are Macy’s holiday windows, The Magnificent Mile, Millennium Park’s Christmas Tree, and Chicago’s famous State Street!!

Finally, the Holiday Season wouldn’t be complete without the following holiday pop-up bars and others!

The Grinch’s Pop-Up Bar is located at Moe’s Cantina (3518 N. Clark St.) in the Wrigleyville neighborhood now through December 29th.  There will be delicious Mexican cuisine to warm you up with their specialty food menu in addition to the unmatched holiday ambience!  Plus, bring the whole family as kids are welcome before 9:00 p.m.!!

Frosty’s Ultimate Pop-Up Christmas Bar takes place in Goose Island at 809 W. Evergreen Avenue on the Near North Side now through January 1, 2023.  They have decked the halls on three levels for festive Christmas fun that includes four bars offering sensational seasonal cocktails, two dance floors, life-size toy soldiers, and a themed soundtrack to keep the crowd bumping until 4:00 a.m.!  In addition, there are photo ops for tons of awesome, picture-perfect moments, having a visit with Santa to find out if you were naughty or nice, and more!!

8 Crazy Nights is Chicago’s first Hanukkah-themed pop-up located at The Graystone Tavern (3441 N. Sheffield Ave.) in the Lakeview neighborhood now through January 8, 2023.  Both the bar and the enclosed, weatherproof patio will be decorated with dreidel ornaments, lighted menorah décor, a photo booth, and over 8,000 blue and white lights along with a special food menu as well as a playful drink menu!

Sue Moss and Dean’s Team Chicago