6 Ways to Recycle Your Christmas Tree

A real Christmas tree can be a significant fire hazard if it’s left indoors to dry out for too long. When the holidays are over and the time has come to take the tree down, you can always drop the tree off at a recycling center or tree drop-off area in your community, or even leave it curbside to be picked up on a designated pick-up day if applicable.

But there are other ways that you can recycle that Christmas tree that has added some festive cheer to your interior throughout the holidays. Here are a few ideas to help give you some inspiration.

1. Use it in Your Garden

Your garden can benefit from your old Christmas tree in a number of ways. For starters, you can shred it and use it as mulch to nourish the soil. The pine needles can add also some much-needed moisture to your garden since they are slow to decompose and aren’t prone to developing any mold.

They’re also great for insulating the garden if you live in northern parts of the state where it can get pretty cold outside. Wood chips from evergreen trees are also great for keeping unwanted insects and critters out of garden beds thanks to the scent.

2. Create an Animal Sanctuary

Whether you have livestock living on your property or simply have an affinity for animals and want to give them a place to rest comfortably, you can use tree chips made from shredding the Christmas tree to be used as bedding.

You can even leave the tree in one piece and place it outdoors to be used for birds. They can either use the tree as a habitat or can feed off of bird feeders hung from the boughs of the tree. But once the tree dries out too much, it should be safely discarded to avoid any fire hazards.

3. Add it to a Pond or Lake For the Fish

Local wildlife and other animals aren’t the only creatures of nature that can benefit from your old Christmas tree. Even the fish from a nearby body of water can take advantage of it.

If you live nearby a lake or pond, or if you have one on your own property, you can toss the tree in there to provide a natural habitat for fish. As the tree decomposes, it will attract algae which the fish can then eat.

The tree may even serve as a habitat for fish that are seeking shelter from the cold and protection against predators. Just make sure the tree hasn’t been chemically-treated and that all decorations have been removed. Also, get any necessary permission from your municipality if need be.

4. Make Something Crafty

If you’re the creative type, you might want to use the material from your Christmas tree to create something unique. You can saw the trunk into discs to be used as beverage coasters or even to edge your garden or walkway.

You might even want to place them around your yard in a decorative manner that can also serve as a resting place for squirrels, chipmunks, or birds. If you’re using the discs inside, make sure you seal them first to avoid any leakage from the wood.

With a little imagination and creativity, there are all sorts of things you can make with an old tree.

5. Steep Some Tea

Rather than toss the pine needles from the tree, save some of them to brew yourself a pot of tea. Just boil a handle of needles for a few minutes until the desired strength is achieved (usually no more than 10 minutes).

Not only will the wonderful aroma fill the space, tea made from steeped pine needles can be very healthy for you. Pine needles have tons of vitamin A, vitamin C, and antioxidants, which have can help ward off chronic illnesses and keep your eyes healthy and strong.

Just make sure that no chemicals have been applied to the tree. In addition, identify what type of evergreen tree it is to make sure it isn’t a poisonous breed. For instance, Norfolk Island Pine and Ponderosa Pines are poisonous if consumed, so be sure to verify exactly what sort of tree the needles come from before you steep that cup.

6. Use the Pine Needles as an Indoor Air Freshener

Boiling a few pine needles as tea isn’t the only way to sweeten the smell of your home. You can also crush the needles and place them in bowls that you can leave out on tabletops, shelves, and counters.

They can be placed on their own or combined with other lovely-smelling things that give off wonderful aromas, such as cloves or cinnamon sticks. Just make sure to keep the needles away from any open flames like fireplaces or candles to avoid any potential fire hazards.

The Bottom Line

Your Christmas tree has done its job adding to your home’s holiday decor over the past few weeks, but it’s just about time to retire it. While it can be somewhat sad to take it down after spending all that time decorating it, knowing that the tree is being used for another purpose might help. Consider any one – or all – of the above idea to repurpose your old Christmas tree.

THIS WEEKEND IN CHICAGO – Summertime Fun During Winter!

After being teased with spring-like temps this past week, it’s back to reality this weekend.  But that doesn’t mean we have to give up on warmer temps altogether!  Check out these events for some summertime fun during winter!

Check out the Windy City’s biggest marine and outdoors sales event at the Progressive Insurance Chicago Boat, RV & Sail Show this Saturday (10:00 a.m.-8:00 p.m.) and Sunday (10:00 a.m.-5:00 p.m.) at McCormick Place – South (2301 S. Lake Shore Dr.) in the South Loop.  Get a glimpse of summertime fun with the best in boating, RVing, or sailing.  There are boats for every activity, lifestyle, and budget.  Or get the latest in RVs, campers, fifth wheels, motorhomes, and trailers.  Or check out the sailboats, sailing gear, rigging, and accessories.  Plus, there’s an incredible lineup of family friendly features and hands-on activities such as Fred’s Shed Interactive Learning Center, the Huck Finn Trout Pond for kids, Captain Bill and the Floaty Boat (new), the Chicago Maritime Arts Center Build-a-Boat (new), and much more!  You can even book trips with travel, charter, and resorts!! And, it’s all under one roof!!!

It’s time again for the 2018 Cubs Convention, taking place this weekend at the Sheraton Grand Chicago (301 E. North Water St.) on the Near North Side.  Now celebrating its 33rd year, the convention will feature player meet and greets, autograph opportunities and panel discussions with current players. There will also be alumni, a Cubs memorabilia room, interactive exhibits, enhanced kids’ activities, and so much more.  Saturday’s program brings back a fan favorite with the return of “Cubs Jeopardy” and popular reoccurring sessions such as “Baseball Operations Update,” “Business Operations Update,” “Joe Maddon & His Coaching Staff,” “Kids Only Press Conference,” and others.  The evening will conclude with a long-time convention favorite – “Cubs Bingo” – led by Wayne Messmer!  Sunday wraps up with additional autograph sessions and panels.  Be sure to check out the above link for the most up-to-date information!  I can smell summer already – PLAY BALL!!

The Professional Bull Riders will be celebrating 25 years during its 2018 season as the world’s top bull riders converge on The Windy City this Saturday and Sunday.  It’s the 8th time the “Toughest Sport on Dirt” returns to the Allstate Arena (6920 Mannheim Rd.) in Rosemont for two days of nonstop exhilarating rides and jaw dropping wrecks!  If you don’t believe it’s the toughest sport on dirt, check it out for yourself!!

Recommended by The Chicago Tribune, The Chicago Reader, and featured on ABC’s Windy City Live, The Greatest Story Never Told takes place every Sunday (3:00 p.m.) at the Under The Gun Theater (956 W. Newport Ave.) in the Wrigleyville neighborhood.  Kids from the audience can volunteer to come on stage and perform characters alongside professional adult improvisers to create “The Greatest Story Never Told”.  And, the original improvised story is transformed into a storybook available for purchase after the show!  Doors open at 2:30 p.m. with pre-show activities including crafts, coloring, games, and dress-up fun on the stage.  Complimentary snacks and coffee are provided as well!!

In honor of the Martin Luther King Jr. holiday on Monday, the Jane Addams’ Hull-House Museum (800 S. Halsted St.) in the University Village neighborhood will host Family Day on Sunday (12:00 p.m.-4:00 p.m.).  This program includes a reading, discussion, and book signing of “Beyond the Underground: Aunt Harriet, Moses of her People” with author, Harriet Tubman’s great-great-great-grandniece, Michele Jones Galvin. There will also be arts workshops, tours, and games that focus on collective community action and more!  It’s a day that highlights resistance and liberation in honor of Martin Luther King Jr.!!

Will You Have Summer in Winter?

CHICAGO NEIGHBORHOOD NEWS: Lakeview, Bucktown and Wicker Park, Lincoln Park, River North, Logan Square, Evanston

Lakeview: Get ready for the TNK Festival Kick-Off Party in collaboration with Cards Against Humanity, this Tuesday January 16. The party is at Tied House Loft at 3157 Southport Ave. This pop-up party begins the 5-day Chicago music festival that unites many independent music venues in the area. The event will feature games curated by Cards Against Humanity and prizes! The event is from 7 to 10 pm and will have limited edition TNK prints for the first 100 guests, Busy Beaver buttons, complimentary food and beverages from Deep Eddy, Heineken, and Hellion Cold Brew. Find out more here!

Bucktown and Wicker Park: Trying to get in shape this New Year? Want to try something new? Check out “Get Fit with Cardio Soccer” in Wicker Park! This program is specifically designed for adults with busy routines who prefer achieving their fitness goals in a group setting. All sessions are structured around SAQ (speed, agility, and quickness), soccer specific drills, small sided games, and tournament-like scrimmages. It is a moderate intensity program that will help participants increase their stamina, flexibility, and overall conditioning. The next session is Thursday, January 18 from 6 am to 7 am. All sessions are run by professional and licensed coaching staff! Email milos@westloopsoccerclub.com for more information.

Lincoln Park: Join HopCat for its 10th Anniversary Celebration next Saturday, January 20! The party begins at 11 am with FREE Crack Fries (if you haven’t tried them, they’re delicious!) and 10 beers! From 11 am to 5 pm, HopCat is giving away free Crack Fries with any purchase; one order per person. There is also a Crack Fries Eating Contest beginning at 3 pm. Contestants must sign up in advance, either by email, phone, or in person by 2:30 pm on the 20th. Entry fee is $5 and will be matched by HopCat, with all proceeds donated to PAWS Chicago. The 1st place winner will receive a HopCat prize package valued at $500 and the chance to compete for the $2000 grand prize. If you don’t want to subject your stomach, just hang out, grab a beer, some food, and enjoy the festivities! Find out more about this exciting event here!

River North: Jonesin’ for a bar crawl? River North has you covered with the “Boozin’ in your Onesie Bar Crawl”! The kick-off party begins at 12 pm this Saturday, January 13 at Ironside Bar (546 N Wells St). If you haven’t registered already, you can do so here! Late registration will take place at the second and third venues, Bar Cargo and the Flamingo Rum Club. Your ticket price includes a LED bracelet indicating when to head to the next venue, a 17 oz. color changing cup, videographers and photographers joining you throughout the crawl, a cash prize for the Top Scariest, Funniest, or Sexiest onesies, entry to 8 venues with no cover, 40% off drink specials, and 25% off food specials! Register in advance here and get your crawl on!

Logan Square: This Tuesday, January 16, join City Lit Books for a tribute to Denis Johnson, in conjunction with the release of his final book The Largesse of the Sea Maiden. Denis Johnson was a two time Pulitzer Prize finalist and a National Book Award winner. This collection of short stories is about mortality, transcendence, and aging and was finished shortly before the author’s death. Local authors, including Rebecca Makkai, Juan Martinez, Nami Mun, Adam Morgan, and Amin Ahmad will participate in the tribute event. These authors were selected for the event because they seem to have been influenced by Johnson’s work. They will read from Johnson’s new book, share original work in response to or inspired by Johnson, and comment on the influence his writing may have had in their own lives. The event begins at 6:30 pm.

Evanston: Are you ready to get your rock on? This Saturday, January 13, come to Evanston Rocks and see The PettyBreakers. The PettyBreakers are the nation’s premier “Tom Petty and the Heartbreakers” tribute act. Based out of Southern California, this band recreates the sights, sounds, and experiences of a Tom Petty concert. Tickets start at just $15 and the concert begins at 8 pm. Buy your tickets here now!

RACHEL HOOVLER & DEAN’S TEAM CHICAGO

Should You Buy a Home Before or After You Get Married?

While marriage rates may have been on the decline in recent years, homeownership continues to be a goal for many Americans, regardless of marital status. But those who do have plans to marry have the choice between buying a home together before marriage or after.

In fact, about 40% of millennials believe that buying a home together before marriage is an ideal option, and approximately a quarter of married couples in this demographic buy their first home together prior to exchanging vows.

Regardless, you’re going to need a place to nestle in together once you and you’re significant other say your “I do’s.” These days, it’s pretty common for couples to cohabitate together long before marriage, and fewer are waiting for the big day to actually buy their first home with each other.

If you’re in the middle of preparing for your wedding, should a home purchase be part of the plans? If so, should you make this important purchase before or after your nuptials?

Before you decide, it’s important to consider a number of factors and weigh the pros and cons of buying before marriage or after. Here are some tips to help you make that crucial decision.

Understand Each Other’s Individual Financial Situation

Before you decide to buy a house together, it’s important that you both are fully aware of each other’s finances. While it’s ideal for you both to be in similar financial positions, it’s common for one partner to have much healthier finances than the other.

It’s absolutely essential that you have the conversation about your finances long before you decide to buy a home together (and before you get married, for that matter). You’ll want to know about each other’s assets, debt, and even family obligations you may have. This is not exactly the most comfortable conversation to have with one another, but it’s a crucial one nonetheless. Knowing where you both stand financially will help avoid any unpleasant surprises down the road.

Consider How Title Will Be Affected

The title of the home that you purchase will be affected by whether or not you are married. Marital status determines how the title of a property is legally held and how it will be transferred should one of you pass away.

If you’re not married before buying a home together and the title is considered tenants in common, you both have ownership in the home. Should one of you pass away before the other, the deceased person’s share of ownership isn’t necessarily transferred to the surviving owner. Only if that person’s name is specified in the will this happen.

On the other hand, joint tenancy will result in the ownership interest of the deceased partner being automatically transferred to the surviving partner in the event of death.

In some states, only married couples are allowed to hold title as ‘community property’, which is the case in California. If one spouse dies, the descendants’ heirs will only be allowed to receive half of the property. Even if the surviving spouse’s name was not on title, they can still get a ‘community interest’ in the property.

You’d be well advised to speak with a real estate agent or lawyer who will be able to guide you through the process of title transfer, including what happens when one partner dies or the tax implications associated with either scenario. The type of title that is transferred matters, so it’s in your best interests to understand the benefits and implications associated with taking title before or after marriage.

Should You Combine Your Savings?

Obviously, the larger your down payment towards a home purchase, the better overall. Not only will this improve your chances of getting approved for a mortgage, it will also mean a smaller loan amount and a lower interest rate. But should you combine your savings and have one joint account when buying a home?

This is a personal choice and should only be made with careful forethought. Having one account can make paying the mortgage and all operating costs associated with homeownership more simplified. Both of you can set up a joint account whereby payments are automatically made to further simplify things. But doing so can also complicate things if one person makes a lot more money than the other, or even in the event of a divorce.

If you’re not married and unequal contributions to the joint account are being made, you may want to have these details documented in case you don’t end up getting married for whatever reason, which brings us to our next point.

Consider a Partnership Agreement if You Buy Before Marriage

You may have the best of intentions when agreeing to buy a home together before you get married, but anything can happen. As such, it would be wise of you to get a legal agreement drafted up that details what will happen in certain circumstances.

For instance, how will the proceeds of the home be divided if you split up? Will one partner buy out the other? Who will be responsible for any outstanding expenses, taxes, or capital gains?

These questions only scratch the surface of all the potential complexities that may arise should things not pan out the way you initially intended. That’s why having an agreement in place can help iron out these details and avoid ugly battles in court.

Individual Credit Scores Affect Loan Approval

Ideally, both you and your partner will have good credit scores that will make it easy for you to get approved for a mortgage. But if you’re entering a home purchase and one person’s score is poor, your chances of getting approved can be slashed. That’s because lenders typically view unmarried couples as individual applicants, regardless if you’re applying together, while married couples are seen as one unit.

If your partner has a poor score and you are not yet married, for instance, it could impact how the property is titled and who will assume responsibility for the mortgage. If you’re married, however, one person’s higher credit score can be an advantage to the other, as it can eliminate the poorer score from the equation. That said, if only one person with the higher score is applying for the mortgage, only one income will be recorded which could translate into a lower approved loan amount.

Determine Whether the Mortgage Can Be Carried on One Income

If both you and your partner/spouse are signing the mortgage agreement, you are both entirely responsible for the debt, regardless of whether or not one person contributes more financially. If you split up and your partner bails out on their end of the bargain, for example, you will still be completely liable for the debt.

As such, it’s recommended that the mortgage you get can be comfortably paid on one income. That way you won’t be placed in a financial predicament should you split up or if one of you loses your job.

The Bottom Line

Your decision to buy a home before or after marriage should be based on a lot of careful consideration. Not only is the purchase itself a major financial investment, the legal contract that you enter into could impact things should your relationship end up taking a wrong turn. Speaking with a real estate agent and attorney before determining which path you take can save you a lot of headaches in the long run.

Restaurant Review – Garcia’s

New Year’s Day can be a tricky time to find someplace to eat in the city. Many restaurants close for the holiday, or have limited hours. We knew we’d be in the Lincoln Square neighborhood, as we had plans to see a movie at the Davis Theatre. A friend of ours recommended Garcia’s, a Mexican restaurant at the intersection of Western and Lincoln. We went in around 3 pm on New Year’s Day and were seated right away. The restaurant is huge, with a large number of tables. We were pleasantly surprised at how cheap everything is! The prices are so reasonable and the menu has a huge selection. After looking at the drink menu, I couldn’t resist ordering a margarita (it was only $7!). I ordered mine on the rocks with salt. It was giant and so tasty! I couldn’t believe it was such a steal. I was overwhelmed by the giant menu, I couldn’t figure out what I wanted to order. My boyfriend is much more decisive than I am and he chose the Carne Asada burrito: skirt steak, beans, lettuce, tomato, onion, and cheese. The burrito was very sizable and was packed full of steak. He also asked for a small bowl of green salsa on the side, which was deliciously spicy. I was pretty hungry and decided on the three taco dinner. I ordered one chorizo taco, one Chile relleno taco, and one al pastor taco. This was gigantic! I could easily have done with the two taco dinner, or even just two tacos a la carte. But man oh man, was it delicious! I have never had a Chile relleno taco, so it was really fun to try something totally new. The pepper was giant and both stuffed and smothered in cheese. The chorizo taco was my favorite! The chorizo was so spicy, perfectly complemented by the fresh and crunchy veggie toppings. By the time I got to the al pastor, I was so full, I couldn’t finish. But the meat was wonderfully spiced and I love pineapple on my tacos, so I was pleased. Overall, Garcia’s was a fantastic meal (and a great deal!). We will definitely be back!

Garcia’s is open Mondays through Thursdays from 10 am to 1 am, Fridays from 10 am to 3 am, Saturdays from 10 am to 4 am, and Sundays from 10 am to 12 am. They are also available for take-out and do take reservations.

RACHEL HOOVLER & DEAN’S TEAM CHICAGO

Kathy’s Home & Garden Tips – Kitchen De-Clutter

I’m sure many of us want to get rid of clutter in our lives. We all wish to live a simpler life without being surrounded by unnecessary stuff. The kitchen is one place where so many things find a place to gather unused.

Many of us are guilty of eating way too much takeout. Thankfully there are many healthy options to choose from; but it still brings extra clutter we don’t need. I’m talking condiments and disposable cutlery. Go ahead, open any drawer and you’re likely to find countless little envelopes ranging from ketchup and mustard to hot sauce and soy. Not to mention tons of little plastic wrapped knives and forks. Why do we save these? I always think I will use them and hate to waste anything. But stop yourself, purge, and get rid of all of them. From now on, tell restaurants to skip the extras, you’ll end up with less waste and mess. Another clutter builder are menus, how many do you have? Every take-out place on the planet has menus online. They also have up to date prices, so you won’t be surprised.

The refrigerator is another repository for the old and hardly ever used. Whether we like it or not, condiments don’t last forever. Take out everything in your refrigerator door. This is a good excuse to clean it too! Check dates on everything and throw out anything out of date. But it’s good to replace any condiments that are ¼ full or less, especially if it’s something you use infrequently. Buy fresh, tastes better anyway. Toss out any pickles, olives, and such where the liquid has turned cloudy. Wipe clean all the lids and collars of the condiments you save.

For those of us that don’t cook very often, the spice rack often holds many items that can literally be 5+ years old. Dry spices do last a while, but anything older than a year should be discarded. They will not make you ill, but their flavor will be all but gone. I’ve decided to buy fresh spices and dried herbs every thanksgiving. I’ll have fresh for the holidays and they will last till next year. it’s always best to store these in a dark cool place, like a pantry away from the heat of the stove. The pantry itself may hold old canned goods, better tossed than used.

While you’re in the pantry, go through all your pots, pans, baking sheets, and dishes. If you haven’t used an item in a year, consider getting rid of it. I’m sure you, like me, have old crusty cookie sheets and pans that you wouldn’t want anyone to see. If they are presentable, donate them. I know there are some things only used at holiday time, but I know you have a lot that can go!

Let’s make this year one to lighten our lives, literally and figuratively!

KATHLEEN WEAVER-ZECH & DEAN’S TEAM CHICAGO

8 Things Interior Designers Spot in Homes Right Away

Much like a mechanic might be more likely to notice an odd sound coming from a car, an interior designer will be more inclined to spot problems with the decor in your home. It’s what they do every day and is something they’ve been trained for.

Interior designers notice dozens of traits in a home – particularly the negative ones – including the following.

1. Poor Flow

While the first thing that you might notice about another person’s house is their taste in decor, one of the first things that interior designers spot is the flow of the space. How the furniture is placed impacts flow of traffic, and if your furniture is not arranged properly, it could interrupt how people are able to move around in a room.

This issue is more common with open floor plans which can cause some confusion with homeowners when it comes to placing furniture in appropriate spots. Adding pieces in the wrong places actually cuts off the open concept, which is the opposite of what this type of floor plan is supposed to offer. One major blunder that homeowners often make with open floor plans is putting a sofa against a wall in a large room, which can actually make a room feel smaller than it really is.

Sometimes there’s little you can do about a poor layout if there are architectural mishaps that make furniture arrangement difficult, such as the odd placement of doorways or overhead light wiring connections.

But there are ways to counter these issues with the proper placement of furniture, which can improve function and flow of a room. Avoid having too many pieces in the area, and arrange chairs and sofas in such a way that they face focal points – such as televisions or fireplaces – without you having to go out of your way to move around them.

2. Too Much Clutter

When it comes to improving the look of any room in the home, less is usually more. Too much “stuff” in a room can make it feel overly cluttered, and we’re not just talking about trash. Even your decor and accents can create a cluttered look in your home if there’s just too much of them.

Not everything you own or hold dear to you necessarily has to be on display. Too many little gadgets can create visual confusion and make a room feel uncomfortable. Instead, pick just a few pieces to keep out and make sure there is plenty of surface space between each piece.

3. No Theme

Every room should ideally have some sort of theme. Having a theme makes it easier to furnish and decorate a room to keep some continuity in line. Without some uniformity in colors or style, the room can feel a bit off-balance.

One way to avoid this issue is to pick one color – ideally a neutral hue – and build on that by adding just a couple of other more prominent colors that complement the base color to ensure some level of coordination.

4. Off-Scale Pieces

Whether you’ve got oversized pieces in a small room or many small pieces in a large room, failure to furnish according to scale can make a space feel a little bit off. Interior designers have an uncanny ability to spot rooms that lack proportion to the pieces within them.

Before you pick out your furniture and accent decor, measure the room they’re going to be placed in. It’s important to pay attention to the size of pieces relative to the size of the rooms they are being put in.

5. Bad Lighting

You could have the best layout and properly arranged furniture that’s to scale with the size of your room, but if the lighting is inadequate, your interior decor will suffer. Just because the room doesn’t have lots of natural light flowing in doesn’t mean you can’t adequately illuminate the space. With the right types and amount of lighting, you can make a massive difference to the look and feel of the rooms in your home.

Consider layering the lighting in each room of your home. For instance, your kitchen could have pot lights, pendants lamps, a central chandelier, and under-cabinet lighting, while your bedroom could have recessed lighting, wall sconces, and table lamps. Changing the ambiance and look of a room can be easily and quickly done just by making some adjustments to the lighting, but many homeowners often overlook this important design element.

6. Drapes That Are Too Short (Or Long)

Ideally, your window drapes should just graze the floor. Any gap between the bottom of the drapes and the floor itself make your window treatments look like they’re too short for the room. You might notice this design flaw, but interior designers definitely do.

The same can be said about drapes that are too long. Any more than a couple of inches of extra fabric can make your room look as though the ceilings are very low. To avoid this blunder, make sure you meticulously measure both the space between the floor and the drapery rod, as well as the length of the drapes themselves.

7. Wrong-Sized Area Rugs

This is an issue that interior designers see all the time and is a mistake that can compromise the decor of the room. No matter what size your living room is, an area rug smaller than 8 feet by 10 feet will make it look out of place. Anything smaller than this size will make it look as if you’ve mistakenly placed a doormat in the middle of the room.

A small rug might be fine in a foyer or at the foot of your bed, but it will take away from the esthetics of your room. Go for rugs that are big enough in surface area that they can easily accommodate an entire sofa.

8. Lack of Character and Personal Style

The way your home is decorated should say something about you and your personality. Designers are often able to get a sense of your personal taste and style by the way you’ve decorated and furnished your home. But simply mimicking what you saw in a magazine or furniture store won’t showcase your personality.

While interior designers certainly help their clients outfit their homes with stylish pieces, they don’t sacrifice homeowners’ own personality and tastes as a result. What an interior designer might like or dislike doesn’t matter if the end result is something that reflects their clients’ lifestyle.

The Bottom Line

If an interior designer visited your home today, would any of the above factors be a problem? If so, perhaps a call to a professional might be in order. You’d be amazed at what a few subtle changes in your home’s decor or furniture placement can do to the overall look and feel of your interior.

THIS WEEKEND IN CHICAGO – Taking Our Fun Indoors!

Welcome to your first weekend of 2018!  And, with ‘ole man winter’s arctic grip on the City, we’ll just take our weekend fun indoors!!

Marking its 17th year this weekend, the annual Fifth Third Bank Winter Wonderfest held at Navy Pier (600 E. Grand Ave.) in the Streeterville neighborhood will bring us thrills without the chills.  This event is packed with family fun featuring dozens of attractions covering 170,000 square feet, including The Chicago Blackhawks Ice Skating Rink, Carousel, and so much more!  It’s Chicago’s biggest and best indoor winter playground; it’s not to be missed!!

After playing in the winter playground at Navy Pier, head on over to the IMAX Theatre for a viewing of Star Wars:  The Last Jedi. It’s the eighth main installment of the Star Wars franchise and the second installment of the Star Wars sequel trilogy.  This film has received positive reviews from critics, receiving praise for its ensemble cast, special effects, score ,and emotional weight.  It’s also the final film performance by Carrie Fisher, who died in December 2016, and is dedicated to her memory!  FYI, the final sequel is scheduled for release on December 20, 2019!!

Extend your stay in nature with Backyard Adventures at the Peggy Notebaert Nature Museum (2430 N. Cannon Dr.) in the Lincoln Park neighborhood, which wraps up this weekend.  Kids will investigate what their favorite backyard critters do after dark with night vision, play dress up to see a bee’s eye view of the world, dig through the dirt in an augmented reality garden bed, and even get to play a round of Garden Golf!  Plenty of interactive games will keep visitors of all ages engaged as they explore an unseen part of nature!!

Another event wrapping up this weekend is Jurassic World: The Exhibition at the Field Museum (1400 S. Lake Shore Dr.) in the South Loop.  The exhibit is housed in a 16,000 square-foot tent on the front lawn.  Visitors experience what it would be like to walk through Jurassic World and among these breathtaking dinosaurs, some more than 24 feet tall!  The Exhibition is also infused with interactive educational elements and a family-friendly Gentle Giants Petting Zoo.  Don’t miss this awe-inspiring journey into Jurassic World, where the park has come to life right before your eyes!!

If you like surprising variety, head on down to the Museum of Science and Industry (5700 S. Lake Shore Dr.) in the Hyde Park neighborhood for the Watson Adventures’ Mad Science Scavenger Hunt this Saturday at 1:00 p.m.  Here you will tackle a madcap tour of many crazy, amazing, and amusing sights and facts!  You’ll be challenged to explore an actual Nazi submarine for an “inflatable woman,” find the missing piece in the world’s largest “flipper” machine, scan the globe at night, inspect vintage race cars, and so much more!  It’s a smorgasbord of a hunt!!

Don’t Let ‘Ole Man Winter Stop Your Weekend Fun!

7 Lessons First-Time Buyers Learn When Purchasing a Home

Buying a home for the first time comes with its own set of lessons to be learned and potential mistakes to be made. But while you can always learn through trial and error, you’ll be better off learning from the mistakes of others, especially when you’re talking about something as significant as a home purchase.

Here are some of the more common lessons first-time homebuyers have learned from their own experiences that you may want to take into consideration.

1. Your Pre-Approved Amount is Your Absolute Max

One of the first things you should do before you begin your house hunting process is get pre-approved for a mortgage. That way you’ll be able to determine how much you’ll be able to afford and focus your attention on properties that fall within your budget. Not only that, you’ll be perceived as a serious buyer to sellers, which can go a long way if you’re looking to buy in the middle of a hot seller’s market.

But just because you’re pre-approved for a specific amount does not mean that you should necessarily look at properties in the upper range. Doing so could potentially leave you with little money left over to pay for other expenses, such as utilities, groceries, and your retirement savings. Rather than become “house poor,” you’d be better off spending a lot less than what your mortgage broker says you may be able to get approved for.

2. Start Saving Up Well in Advance

Buying a house is a big deal, obviously. It’s probably going to be the most expensive purchase you ever make in your entire life and will require significant financial savings.

More specifically, you’ll need a decent-sized down payment to get approved for a mortgage. The more expensive the home, the higher this down payment will likely be. The more you can save up in advance, the less you will have to borrow to finance your home purchase.

If you’re able to come up with at least 20% down, you could save yourself on Private Mortgage Insurance (PMI) payments, which is applied to home loans that are more than 80% of the purchase price of a property. While this might sound like an astronomical amount (which it often is), it can be a lot easier to achieve if you start saving early.

At the very least, saving well in advance of your home purchase will increase the chances of getting approved for a mortgage with reasonable terms. Putting away a few dollars every month starting at an early age can turn into a sizable amount when you’re finally ready to buy.

3. Be Realistic About Your Needs and Wants

Every buyer has their own set of desires for the home they plan to purchase in the future and should keep this list handy when they visit homes on the market. However, it’s important to be realistic about the traits on this list relative to what your budget is. You might not necessarily be able to get everything on your wish list of your budget is rather tight.

Try to separate your “wants” versus your “needs” when visiting homes, and make sure you pay attention to the types of homes and the features they have within your price range. Doing so will give you a good idea of what you can expect to find with the money you have to spend. Just remember that when you’re on a budget, you might not necessarily be able to get everything you want. The sooner you accept this fact, the lower the odds of you getting disappointed.

4. Use a Mortgage Specialist to Shop Around For You

Rather than heading straight for the local bank for a mortgage, speaking with different lenders could land you a much better rate. Much like you would shop around to find the best price on any other type of product, you’ll want to compare rates with various lenders. A lower interest rate can potentially save you thousands of dollars over the term of your mortgage, so it’s worth it to take the time to shop around for the best home loan package.

While you can certainly do this yourself, you can save a lot of time by having a mortgage broker do this for you. Brokers don’t work for banks; instead, they work for you, and as such, they have your best interests in mind. This could translate into a lot of money saved.

5. Budget For Unexpected Expenses When You Close

Closing costs can really add up, and a lot of newbie buyers may assume that the spending stops after the house has been financed and the real estate commissions have been paid. Unfortunately, the costs associated with buying a home continue after you close.

There are PMI payments (if applicable), homeowner’s insurance, property taxes, maintenance, utilities, appraisal fees, moving fees, and even expenses related to furnishing the home. Be sure to tally up the potential costs associated with each and budget accordingly so that you’ve got enough money to cover these closing costs.

6. Attend Your Home Inspection

A home inspection is a crucial contingency to include in your offer. It essentially gives you a chance to have a licensed professional inspect the property and ensure it is in proper condition before you take possession. But just because you schedule an inspection doesn’t mean you shouldn’t be there.

In fact, it’s recommended that buyers attend the home inspection. This will provide them with the opportunity to ask as many questions as possible and get educated on the systems and components of the home while your inspector is still there. You’d be amazed at how much you can learn from a couple of hours of scoping out all components of the home with a professional inspector.

7. Don’t Forgo the Help of a Real Estate Professional

As a buyer, there’s no reason not to hire a real estate agent to help you find the right home and negotiate a deal on your behalf. Typically, buyers don’t pay commissions anyway – usually the seller does, though this can be different in some cases.

Your agent will help you find homes that meet your criteria, negotiate with the seller to get the best price possible, and even help you after you take possession. Before you start your home search, make sure you’ve teamed up with a professional real estate agent who has your back. They’ll do their best to make the home buying process as seamless as possible.

The Bottom Line

Buying your first home may be an incredibly exciting time, but it can also be filled with unknowns that could cause you to make a few mistakes along the way. Rather than learn the hard way, consider learning from those who’ve already been in your shoes. And as always, partner up with a seasoned real estate agent who will help guide you and steer you in the right direction.

CHICAGO NEIGHBORHOOD NEWS: Bucktown and Wicker Park, Lincoln Park, Lakeview, Lincoln Square, Andersonville, Portage Park

Bucktown and Wicker Park: Need an activity for the kiddos this weekend? Volumes Bookcafe (1474 N Milwaukee Ave) hosts a bi-weekly story time in the children’s section. This Saturday, January 6, at 10 am, listen to Miss Kimberly read 2-3 books. Storytime is followed by songs and a crafting session. Find more information and put it on your calendar here.

Lincoln Park: It’s back! Savor Lincoln Park, Chicago’s favorite indoor neighborhood food festival, is on January 23. From 6-9 pm, you can enjoy tastes, bites, and sips from Lincoln Park’s hottest restaurants and bars. The event is held at iO Chicago and will feature silent auction packages and a vintage photo booth. Advanced general admission tickets are $40 and day of tickets (if available) are $50. Buy your tickets now!

Lakeview: Looking to start a meditation practice? Here’s a great way to get going! The Peace School (3121 N Lincoln Ave) is holding The Peace Breathing Mediation for Beginners course beginning Monday, January 15. This weekly session is held on Mondays from 6:30 to 7:15 pm. Learn the fundamentals of meditation through lecture, discussion, and group practice in a relaxed and comfortable setting. For more information, pricing, and to schedule your class, email info@peaceschool.org or call 773.248.7959.

Lincoln Square: It’s always easier to start a new routine with other people! Join the Fleet Feet Fun Run Breakfast Club in Lincoln Square. This Saturday, January 6, meet up with other local runners for a fun run from 8 to 10 am. Beginning at Fleet Feet Lincoln Square, explore Chicago’s best running routes while meeting new people and logging miles. There’s a dry, safe, and warm place to meet where you can leave your stuff while out on the run. Each run is led by a run leader to help keep you motivated and safe! Find out more about these weekly fun runs here.

Andersonville: Kick off your New Year’s resolutions with Resolution Andersonville. This fantastic weekend is held from January 19-21. It is designed for you to explore and implement your New Year’s resolutions and goals within the neighborhood! Businesses will host open houses throughout the weekend, have special offers on classes, services, and healthy living products. Participating businesses including Be Yoga, Orange Shoe Personal Fitness, and Steep Theatre. The Service Business Fair is on the 20th from 1-5 pm at 5545 N Clark St. Find more information about this exciting weekend here!

Portage Park: Did you make a New Year’s resolution to work out or move more? Now’s your chance! This Sunday, January 7, DanceRoom Chicago (5355 West Irving Park Road), hosts Groov3 Chicago with Sarah and Courtenay. Groov3 is described as “Los Angeles’ Hottest Choreographed Dance Party”. This class targets those who want to learn how to dance and those who used to dance. This class will build your confidence and put the fun back in your fitness routine! This hour long class begins at 10:30 on Sunday morning. Learn more and register (for free!) here!

RACHEL HOOVLER & DEAN’S TEAM CHICAGO