THIS WEEKEND IN CHICAGO – Enjoying Chicago Holiday Traditions!

It’s the last weekend before Christmas! Hopefully, you’ve completed your holiday shopping so you can enjoy and immerse yourself into any of these Chicago Holiday Traditions!

It may not be Broadway, but Chicago’s live theater productions rank right up there with the best of them. Here are two traditional holiday productions sure to please you:

The Goodman Theatre’s annual holiday production of the Charles Dickens classic, A Christmas Carol, returns to the stage with Larry Yando as Ebenezer Scrooge now through December 31st. Experience the heartwarming story of Scrooge’s discovery of kindness, compassion, and redemption after being visited by three spirits. Enjoyed by nearly two million theatergoers, this production not only features top notch performances with spirited song-and-dance numbers, but it also has amazing sets, gorgeous costumes and yes, even eye-popping effects! It’s definitely one of the best Christmas stories ever told!

Another Chicago favorite family holiday production is the Joffrey Ballet’s The Nutcracker being performed at the Civic Opera House now through December 26th.  This reimagined classic by Christopher Wheeldon follows young Marie and the Nutcracker Prince on a Christmas Eve journey that is set in Chicago against the backdrop of the 1893 World’s Columbian Exposition. This production features a dazzling spectacle of sights, sounds, and enchantment with Tchaikovsky’s enduring music performed by the Lyric Opera Orchestra along with stunning choreography!  It’s an annual holiday tradition that celebrates the magic of the season and the rich cultural heritage of Chicago!

Chicago’s favorite musical holiday celebration returns to Symphony Center with the world-renowned Chicago Symphony Orchestra teaming up with Broadway star Jessica Vosk for its popular Christmas concert Merry, Merry Chicago! now through December 23rd. In addition to festive arrangements of classical compositions, holiday standards, and carols like “Jingle Bells” and “Oh Come, All Ye Faithful,” this year’s program will feature selections from the Sound of Music and Babes in Toyland! It’s a program filled with seasonal favorites perfect for the entire family!

The Chicago Children’s Choir brings its Voice of Chicago ensemble and the Hyde Park Neighborhood Choir to the Epiphany Center for the Arts in the West Loop neighborhood for a festive holiday season performance of Songs of the Season this Saturday.  The program includes familiar songs like “O Holy Night,” “Winter Wonderland,” “I’ll Be Home for Christmas,” and many others as the choir also celebrates its 65th anniversary!

If you happen to find yourself near the Driehaus Museum (40 E. Erie St.) this Saturday between 3 p.m. and 6 p.m., you’ll be able to enjoy Caroling at the Driehaus Museum as well as roasted chestnuts, and holiday cheer!

Finally, Let It Shine returns with its newest Christmas drive-thru light shows in three Chicagoland locations (Northbrook, Schaumburg, and Aurora) now through January 9th (4:30 p.m. – 11 p.m.). You will be immersed into a wonderland of lights as you drive through dazzling tunnels and displays which are synchronized to fun holiday classics! Each location is unique with jaw dropping holiday displays with over one million LED lights!

Sue Moss and Dean’s Team Chicago

Neighborhood News – Chicago Loop, Old Town, Gold Coast, Ravenswood, Uptown

Twas the week before Christmas, and all through the city…twinkling lights, seeing sights…oh, so pretty! Take a moment to enjoy the musical gifts and merriment of the season!

The Chicago Symphony Orchestra invites you to have a Merry, Merry Chicago! On Friday, December 17 at 7:30pm and Saturday, December 18 at 3pm, the Symphony Center, 220 South Michigan Avenue,  Under the direction of CSO conductor Alastair Willis, and featuring guest Broadway star Jessica Vosk, the CSO performs holiday classics, including “It’s the Most Wonderful Time of the Year,” “O Come, All Ye Faithful,” “Have Yourself a Merry Little Christmas” and more, along with orchestral music of the season, including selections from Rimsky-Korsakov’s The Snow Maiden and Tchaikovsky’s Dance of the Sugar Plum Fairy and Trepak from The Nutcracker. Tickets very in price, check website for details. 

For a holiday concert with a Latin flair, Chicago-based Mariachi Herencia de México presents ‘A Very Merry Christmas Concert’ on Friday, December 17 through Sunday, December 19 at the Old Town School of Folk Music, 4544 N. Lincoln Avenue. As the website describes, the concert is filled with music and dance, and is “perfect for the whole family.  The Latin Grammy-nominated mariachi band will play traditional holiday songs, infused with Latino rhythms, including “It’s the Most Wonderful Time of the Year,” “Winter Wonderland,” “Los Peces en el Rio” and  “Christmas Don’t Be Late.” The group will also play a concert at Thalia Hall on Chicago’s South Side. Time and ticket prices vary, check website for details.

The Millennium Park Holiday Sing-Along  201 E. Randolph Street, concludes this Friday, December 17, at 6pm with the Chicago Community Chorus (CCC). Enjoy the sound of the season and a feeling of community with this group, founded in 2003 by Artistic Director Dr. Keith T. Hampton,  numbers over 130 singers from all walks of life. Face masks are required for all Holiday Sing-Along guests. Free Chicago masks available (while supplies last).

Last-minute shoppers can delight in family fun at Blitzen’s Holiday Experience, from December 16-23, a festive holiday pop-up at Artifact Events, 4325 N. Ravenswood Avenue, in the Ravenswood area, near Lincoln Square.  Blitzen’s offers a holiday market, a bar with festive drinks, photo-ops, and more experiences to discover. Hours are Thursday & Friday: 5pm-10pm (last time slot at 9 pm), Saturday & Sunday: 12pm-10pm (last time slot at 9 pm). From December 20 – 23rd, the hours are Monday-Thursday: 12pm-10pm (last time slot at 9 pm). Hipster Santa pays a visit, and shoppers can indulge in Christmas Karaoke, beverages and décor, and more! For ticket information, click here

For a non-holiday event, NeonNation’s  CircEsteem’s  Winter Circus on Saturday, December 18 at 3pm and 6:30pm transports a group of Gen Z teens back to the 1980s. As their website notes, through rad aerial and acrobatics, and gnarly manipulation acts, the Teens are shown the power women held in the 1980s. CircEsteem’s mission is to unite youth across all backgrounds and identities by fostering self-esteem and mutual respect through the practice and performance of circus arts. Tickets are $7-$40 and benefit CircEsteem’s programs. Check website for address and details. 

“Here we go a wassailing, a wassailing…” A week before Christmas, make it memorable by Caroling at the Driehaus  …also known as the Richard H. Driehaus Museum, 40 East Erie Street, on Saturday, December 18th from 3pm to 6pm. Bask in the Victorian splendor of the former Nickerson Mansion, while participating in the festivities, including caroling, roasted chestnuts, and holiday cheer. Free.

Hallelujah! Hallelujah!” Sing out, loud and proud at the 46th Annual Do-It-Yourself (DIY) Messiah at the Seventeenth Church of Christ, Scientist, 55 E. Wacker Drive, on Sunday, December 19, at 2pm. Presented by the International Music Foundation, Covid-19 has required a few adjustments to the beloved holiday gathering: the one-time performance will be 90 minutes in length, with no intermission. Additionally, tickets are free, but reservations are required and can be made online.

Alison Moran and Dean’s Team Chicago

Restaurant Review – Blue Door Kitchen & Garden

“Blue Door Kitchen & Garden, home to celebrated Chef Art Smith, is a farm-to-table oasis in the heart of Chicago’s Gold Coast and deeply rooted in the philosophy of letting the seasons dictate the menu.”

Management, Blue Door Kitchen & Garden

For a moment of calm during a busy holiday season, the Blue Door Kitchen & Garden on the Gold Coast provides an oasis in the middle of a busy Chicago, serving upscale, Southern-inspired comfort food. 

Created by Chef Art Smith, a Chicago Culinary Museum Hall of Fame inductee, the website notes that Blue Door Garden & Kitchen showcases American heirloom foods made from fresh, seasonal ingredients sourced from Midwest farms, including Oprah Winfrey’s former Indiana property, Blue Door Farm. 

Blue Door’s most peaceable oasis is their patio garden, outfitted with a heated tent for winter dining. The patio is available on a first come, first served basis, and reservations are highly recommended.

Chef Smith’s current menu features traditional Southern-inspired comfort food. 

Blue Door is one of a handful of restaurants in the city serving a daily brunch, from 11am-2pm. Highly recommended is the Art Smith Fried Chicken & Waffles, featuring a buttermilk waffle served with rosemary maple syrup. Smith’s take on Avocado Toast pairs it with pickled shrimp, asparagus, hard boiled egg, and tarragon. Beignets, a Louisiana deep-fried staple, are served with raspberry-champagne coulis and fresh fruit. Quiche Lorraine pairs house lardon (French-inspired  cubes or short strips of bacon cut crosswise) and roasted onions.

One Google reviewer raved, “The best southern food in the city! Everything on the menu will blow you away… the fried chicken is crispy and the shrimp mac-and-cheese and corn bread is to die for. Shrimp and grits and salmon was also good.”

“All dishes are fantastic!!,” another exclaimed. “We had deviled egg, fried chicken, kale salad and hummingbird cake. Love the atmosphere and the food here.”

Dinners start with appetizers like Southern-inspired Deviled Eggs, made with chicken crackling, house mustard, and bacon. Or, try the butternut squash soup with toasted pepitas (pumpkin seeds) and crème fraiche. For a lighter touch, start with Cauliflower Florets, served with a seasonal dipping sauce. 

Another light option are the salads, which includes a fresh Beet Salad, with roasted and pickled beets, Granny Smith apples, pecans, gruyere crème fraiche, orange and fennel vinaigrette. Or an Eggplant Salad, featuring breaded eggplant, arugula, cherry tomatoes, and goat cheese, with a balsamic glaze.

Dinner entrees are Southern-focused with American and French accents. Shrimp & Grits are made with white corn grits, andouille sausage, okra, and a tomato stew. Salmon en Croute is served with apple butter, Brussels sprouts, fennel, and rosemary cream. Rack of Lamb is served with roasted fingerling potatoes, carrots, and celery root puree. Coq Au Vin offers a duck leg with pearl onions, mushrooms, zucchini, and a red wine reduction.

Save room for Blue Door’s desserts, especially the traditional deep-south Hummingbird Cake, with pecan, coconut crumble, seasonal coulis, or the Key Lime Pie, with whipped cream, macadamia praline, and a burnt honey caramel.

Blue Door Kitchen & Garden is located at 52 W. Elm Street. Their hours are Monday-Friday,  11am – 9pm, and Saturday & Sunday, 10am – 9pm. Reservations are highly recommended. For more information, click here.  

Alison Moran and Dean’s Team Chicago

Chicago Home and Lifestyles – Mobility Actually Decreases Pain!

When faced with physical aches and pains, our tendency is to move less. We forget that more movement is what’s essential to prevent and stop pain! 

Many of us sit at a computer all day long for work, and we wonder why we’re so stiff and begin to lose range of motion. Sitting all day causes your hip flexors, hamstrings, and the joints themselves to stiffen which can lead to back and knee pain. Not to mention typing, which over time can cause all sorts of upper body issues. 

Small and regular upper body exercises will keep a good range of motion in your shoulders. The good news? These movements need no equipment and can be done anywhere! Move your arms in a swimming motion forwards and backwards. Swing your arms back as high as you can. Raise one arm, then the next over your head stretching with each movement, using your hips too. 

Rather than being sedentary, which is the culprit behind much of our pain. Make every effort to get your recommended amount of steps every day! This will keep your joints lubricated and your muscles supple. The ideal is 10,000 steps per day but of course that can vary depending on your day and needs. Some days may be 6,000 and others 15,000 but make a conscious effort to move! 

Our body is all connected, pain in one place can cause pain in another that seems unrelated; for example, if you have knee problems it can cause pain in your back. Look for hip flexor exercises, they will help your entire lower body. Working on the calf and upper leg muscles can also help your knee stability. 

Overall principle: get up and move as much as you can! Take 15 minutes every 3 hours or so to move your body. Take a walk around the block. Do some squats, swing your arms to work those shoulders. Stretch those hamstrings. Take 10 minutes before bed to lay flat and stretch out all your muscles. Your body will thank you!

Kathleen Weaver-Zech and Dean’s Team Chicago

How An Agent Can Help Alleviate Stress

Purchasing a home can be a stressful experience, whether you’re a first-time buyer or you’ve been through the process before. But that’s one of the reasons that working with a real estate professional is so worthwhile. With your agent’s guidance, buying a home should be enjoyable, rather than stressful. Here are some of the more unique circumstances where your agent can make your life much easier.

Out-of-town buyers: If you’re looking for vacation homes or moving to a job in a new city, there’s a good chance that viewing homes will be difficult—you could be a long drive or even a plane ride away. With today’s video messaging apps like Zoom or Facetime, your agent can walk you through a property virtually. It’s not the same as walking through in person, but it will at least give you an idea about whether a property is worth pursuing further.

When life is just too crazy: If you’re just getting too busy with everything else going on in your life, a good buyer’s agent should be able to recognize the situation and help you take a step back. They can suggest that you take a few weeks off from your home search to recharge, or only focus on properties that exactly fit your wants list.

Inspection issues: You’re dreaming about move-in day, and then some unforeseen issues turn up during inspection. A good agent can work out those issues by negotiating a lower offer—to cover costs of repairs—or by getting the seller to fix the problem.

THIS WEEKEND IN CHICAGO – Abundance of Cheer for the Holiday Season!

This weekend in Chicago offers an abundance of cheer with pub crawls and pop-up bars all decked out for the Holiday season plus more!

TBOX is BACK! Festa’s annual 12 Bars of Xmas Pub Crawl returns to the Wrigleyville neighborhood this Saturday (10 a.m. – 7 p.m.) starting off at Cubby Bear (1059 W. Addison St.). After being on break in 2020 and to celebrate its 25th year, the theme for this year’s event is “Back to the 90s!” TBOX will celebrate the music, fashion, culture, movies, and everything else from the glorious, carefree decade when it was born in 1996. Over 30 bars throughout the neighborhood will be participating as participants dress in crazy costumes and take advantage of festive drink specials while indulging in traditions like “cereal shots” and sticker exchanges! Plus, the best part of this event is not only does it support dozens of local businesses but it also donates to local charities!

Back for the 2021 Holiday season and better than ever is Frosty’s Christmas Bar located at 809 W. Evergreen Ave. in the River North neighborhood now through January 2nd. This bar has decked the halls across three levels for festive fun with four bars, two dance floors, dancing elves, a singing Santa, live Nutcrackers, and a party that doesn’t end until 4 a.m.  So, don your favorite holiday attire and enjoy a glass of something boozy and marshmallow-topped while snacking on Christmas cookies amid the twinkling lights, tinsel, and over-the-top decorations! Afterall, it’s an amazing 21+ Christmas experience in the heart of Chicago!

Indulge in a little childhood nostalgia at the Misfit Christmas pop-up bar located at The Rambler Kitchen & Tap (4128 N. Lincoln Ave.) in the North Center neighborhood now through January 2nd. This bar is a tribute to the 1964 beloved classic Rudolph the Red-Nosed Reindeer television special and the Island of Misfit Toys. This event opens with an outdoor scene featuring 10-foot custom-painted wood characters from the Island of Misfit Toys while inside, each room is inspired by a different scene with Christmas lights, Misfit Toy figurines and staff dressed as characters.  Lastly, The Rambler’s 600 square foot heated and covered beer garden is transformed into Santa’s workshop! Then top off your experience with a festive cocktail or Hermey’s hot chocolate, and bites from a themed food menu!

Don’t want to go to The Loop for your annual glühwein fix? Then head on over to the Christkindlmarket Wrigleyville located at Gallagher Way (3637 N. Clark St.) in the Wrigleyville neighborhood. Even though this is a smaller-scale market than its downtown counterpart, there’s just as much holiday cheer here!  Plus, it’s also a part of the Winterland at Gallagher Way which offers plenty of fun outdoor holiday activities for the entire family!

One of Chicago’s most popular and beloved Christmas traditions, The Music Box Christmas Double Feature and Sing-A-Long, is celebrating its 38th anniversary this year now through December 23rd at the Music Box Theatre (3733 N. Southport Ave.). Enjoy some seasonal cheer with the screening of “White Christmas” (the touching story of two war veterans turned entertainers who help save a winter resort and meet a couple of lovely ladies in the process), and “It’s A Wonderful Life” (after George Bailey wishes he had never been born, an angel is sent to earth to make his wishes come true. However, George starts to realize how many lives he has changed and impacted, and how they would be different if he was never there.)  Also, each screening includes an appearance by Santa Claus and a Christmas sing-along.  Plus, you can opt to see just one of the films or purchase a discounted ticket to see both.

“Every time a bell rings, an angel gets its wings!  That a boy Clarence!!”

Sue Moss and Dean’s Team Chicago

Neighborhood News – Chicago Loop, Lakeview, Millennium Park, Navy Pier

Is there anything better than the holidays in Chicago? So much to do…so many memories to make!  

Still have shopping to do? Make it easy on yourself, and have fun! On Thursday, December 9, and Friday, December 10, the Chicago Athletic Association Hotel, 12 S. Michigan Ave., invites everyone to get ‘Sauced,’ The Night Market Before Christmas, CAA’s 7th annual showcase of local vendors—plus food and booze, for a night of eating, drinking, and shopping from 5pm-10pm.  Vendors include Exile in Bookville, Gingergold, Golden Root, and A Girl & Her Pug, among many others. DJ Johnny Walker performs. For admission to the market, guests must show proof of full vaccination or a negative COVID-19 PCR test administered within 72 hours of the event. Free. No RSVP required.

For nearly 40 years, a holiday tradition at Lakeview’s Music Box Theatre, 3733 N. Southport starts Friday, December 10, and continues through December 23. The 38th Annual Music Box Christmas Sing-A-Long & Double Feature of two holiday classics—1954’s ‘Holiday Inn,’ starring Bing Crosby and Danny Kaye, featuring 15 sing-along songs, and 1946’s ‘It’s a Wonderful Life,’ starring Jimmy Stewart and Donna Reed. Both classics use the holidays to explore the themes of family, sacrifice, heartbreak, disappointment, community, and ultimately, the triumph of the human spirit. Highlights include a Santa Claus visit and a Christmas carol sing-along, accompanied by Music Box organist Dennis Scott. All visitors ages 12 and up will need to show proof of full vaccination or a negative COVID test for all screenings. Check website for times and ticket prices.

Celebrate the holidays at the Millennium Park Holiday Sing-Along near Cloud Gate Plaza, 201 E. Randolph St., on Friday, December 10 at 6pm, and Sunday, December 12 at 4pm. The concerts run for an hour and reflect Chicago’s many faith backgrounds, cultures, and holiday music traditions. Friday’s concert features The Chicago High School for the Arts Chorale Ensemble. Sunday’s concert features the Kol Zimrah Jewish Community Singers. Free.

“Hallelujah! Hallelujah!” These familiar words are the powerful and triumphant opening of Handel’s Messiah. Don’t miss the Apollo Chorus of Chicago, who’ve performed the classic since 1879. This year, they’re performing Saturday, December 11, and Sunday, December 12 at 7pm. The chorus blends voices and hearts at the Harris Theater at Millennium Park, 205 E. Randolph. Check website for ticket availability.

For a completely different take on Charles Dickens’ classic holiday tale, see a ‘Q Brothers Christmas Carol,’ in Chicago’s rap master Q Brothers Collective’s ‘ad-rap-tation,’ the story follows Ebenezer Scrooge’s journey to redemption, accompanied by the ghosts of hip-hop Past, Present, and Future, to a mashup of hip hop, combined with contemporary musical styles, ranging from reggae to dancehall music, dubstep, and epic rock ballads—all underscored with beats spun live by a DJ. ‘Q Brothers Christmas Carol ‘ runs through December 23 at The Yard at Chicago Shakespeare Theater, 800 East Grand Avenue. Tickets are $38-$56. Patrons must show proof of full vaccination OR Negative COVID Test, and wear masks.

Meet Jeremy Fisher, Simpkin the Cat, Peter Rabbit, and Tom Kitten at the The Beatrix Potter Holiday Tea Party through December 24 at the Chicago Children’s Theatre, 100 S. Racine.  Performances are Saturdays and Sundays at 9:30am and 11:30am. As the website says, charming storytellers interweave the classic narration and guide gentle interactive moments, recruiting young watchers to join the adventure. After the show, come up on stage to gently play with the puppets and take pictures. Then, head to the lobby for a festive spread of chocolate milk and cookies! Tickets are $47 each.

Alison Moran and Dean’s Team Chicago

Restaurant Review – Robert et Fils

“There’s no better way to honor my father than by opening a restaurant in his name and recreating and sharing our experiences of French dining as a family—talking, drinking and eating amazing food.”

– Robert Shaner, Chef/Owner

Robert et Fils, which translates to ‘Robert and Son,’ describes itself as “intimate in scale and quaint in detail, infused with the elegance of classic French cuisine and the joy of dining like a Parisian.”

This is a French gem of a restaurant in North Center, near Lincoln Square. With universal 5.0 reviews on Google, and the indoor dining room opened on December 3, it’s a perfect time to experience the elegance of elevated French cuisine. 

Robert et Fils opened in late 2020 to rave reviews and earned its reputation by offering mouth-watering to-go menus with detailed, easy to read instructions for serving.   Their rotating menus, as they say on their website, explore modern techniques and Japanese ingredients, with a deep respect for French gastronomy. 

One Google reviewer opined, ‘The steak was really tender and well seasoned. We also liked the wine pairing add on. We will definitely be back….”

Their tasting menu rotates, but some recently archived examples included the following: 

Baguette Maison, served with cultured butter.

Terrine de Foie de Volaille: chicken liver mousse with mustard, served with a spring fennel salad.

Poulet Rôti / Mélange de Légumes Fermiers: Roasted chicken with preserved lemon stuffing and mixed farmed vegetables, along with the following instructions to enjoy it to the fullest:

“Place your desired amount of meat in center of the plate, and arrange the mixed vegetables around it. Use a spoon to contour the chicken with the jus provided. Chef recommends not oversaucing the chicken, as it may soften its crispy skin.”

Your instruction is our command, Chef!

This Parisian degustation feast concluded with Galette aux Fruits, which pairs Tarragon puff pastry with seasonal fruits in a buttermilk crème anglaise. 

To accompany the meal, the restaurant offers Wine and cocktail pairings for $90 per person, or a Spirit-free (non-alcoholic) pairing for $70 per person.

Christmas dinner 2021 could be a true joyeux Noël. Robert et Fils’ Christmas dinner to go includes a 10-pound whole aged goose, glazed with citrus chestnut and fermented honey. Other sweet and savory items including Pâté en Croute and Buche de Noel. ​Christmas dinners serve 6-8 people and are available for $205 per person via the Tock app.

Robert et Fils is located at 4229 North Lincoln Avenue, and is open for indoor dining on Friday & Saturday only, 5:30-10pm. Reservations are a must. For more information, click here.

Chicago Home and Lifestyles – Rethink Next Year’s Goals!

We are getting closer to Christmas and hopefully you are on schedule. This time of year, we need to think about our goals for the New Year. If we want to hit the ground running next year, we need to have a plan ready. Most people start the year with “resolutions.” Unfortunately, by the end of January, most resolutions are forgotten or abandoned. If you are serious about making some changes in your life you need a plan.

All goals need to be S.M.A.R.T. – Specific, Measurable, Attainable, Relevant, and Time bound

Specific rather than general. If you want to lose weight, say I want to lose ten pounds by April 1st, not just I want to lose weight. Or I will schedule two date nights in January, not that I want to spend more quality time with my spouse. 

Measurable goes hand in hand with Specific. How do you know you are progressing? You must have a way to measure. How many new pieces of business will you attain in the first quarter? How many workouts per week? 

Attainable means just what it says. Of course, you want to push yourself, but setting a goal to lose thirty pounds next month is neither healthy nor attainable. 

They also need to be Relevant. If you have a lofty goal to increase your business by 50% but a recession is looming you need to form your goals to be relevant to the realities of your market. 

Timely goals are the most important. If you have no time limits you will reach the end of the year with little accomplished!

As you think about what you want to achieve this year remember, less is more. Choose no more than three personal and three business goals. 

Personal goals should include family and spirituality along with health. Business goals will be the three strategies that will, when combined, achieve the BHAG (Big Hairy Audacious Goal). 

Break down your year into quarters. Doing this will keep you from thinking I’m doing OK, there is a lot of time left. Quarterly goals also give you time to course correct before you get completely off track. 

Each goal needs 3-5 strategies for success. Weight loss could include a certain number of workouts per week, doing 10,000 steps, and adding two servings each of fruits and vegetables. 

Business strategies could be a certain number of prospecting calls and appointments per week or reorganizing your home or work office to make working more efficient. As you set up your quarterly plan you will score yourself each week. One point for every task completed. You are trying to achieve a score of 85% or more each week. If you have a total of fifteen tasks per week you will need to perform at least thirteen. If you notice that you are not progressing, or your percentage is not good you need to reassess. Perhaps you need to make more contacts or need to add a workout!

Yes, this is a little more involved than making a few New Year’s resolutions. But how many times have these resolutions ever been successful? I would think not often. If you are serious about changing your life, get a plan and work it! The only other thing I would add is someone to hold you accountable. This is a terrific way to stay on track. They can be a sounding board and help with forming your plan. You will be more apt to keep up with your tasks if you have someone to answer to at your weekly accountability meeting. 

So, get going with your plan and Good Luck! 

Kathleen Weaver-Zech and Dean’s Team Chicago

Types Of Mortgages You Need To Know About

Before you purchase a home, it’s important to educate yourself of the various types of mortgages you can get so you can make the right decision when the time comes to choose yours.

Fixed Rate. The most popular on the market, a fixed-rate mortgage is ideal for homeowners who expect to stay in their home for many years. With a fixed interest rate and monthly payment, this loan makes it easier to plan your budget year over year.

Adjustable-Rate. This type of mortgage offers a lower interest rate and monthly payment at first, then slowly increases as time goes on. This type of loan can be beneficial for younger home buyers who expect to grow in their careers and make more money in the future.

Government-Insured. There are several types of government-backed mortgages including Federal Housing Administration (FHA) loans, U.S. Department of Veterans Affairs (VA) loans, United States Department of Agriculture (USDA) loans, and more. These programs can help you finance a home if you meet each one’s qualifications.

Conforming. A conforming loan is one that falls within the maximum limits set by government agencies that back most U.S. mortgages, Fannie Mae and Freddie Mac. With this type of mortgage, borrowing costs and required down payment are generally less, but interest rates can be a little higher.

Jumbo. This type of conventional loan applies if the home’s price exceeds federal loan limits. Your credit score generally must exceed 700 and you are required to make a larger down payment. However, it allows you to borrow more money to purchase a more expensive home.