The Shopper: Amy Veltman

Amy Veltman

The God Dilemma 2
Posted: September 09, 2016 - 1:53 pm

There’s another interesting and profound aspect to God that is often overlooked. Luke 9:51-55 illustrates an example of this forgotten side of the Lord.

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Got Another “Thank You” Call
Posted: September 09, 2016 - 1:54 pm

On Wednesday, August 17, 2016, the first phone call that I got at my office was another “thank you” call. Sometimes clients that I have helped call me. Sometimes, they send me notes. A few have brought me cookies, muffins, or a gift card for coffee and bagels. I appreciate every gesture of thanks.

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Real Estate Questions & Answers
Posted: September 09, 2016 - 1:54 pm

Question: My husband decided to sell our home after I spent a year moving my Mom next door. She is 85-years-old and needs to have someone looking out for her. He got mad at me and threatened divorce me if I didn’t sign papers to sell. So I did. Under duress. We received an offer and then we counter-offered. I again did not want to sign. But I did. The buyer accepted and had a home inspection. I refuse to sign the final sale.

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Expose Agent Stats?
Updated: September 09, 2016 - 1:54 pm

What is so taboo about asking the question “how many homes like mine have you sold in the past year?” It is a simple question, but all too few agents will give you a number. Oh, they’ll tell you they have been a triple micronium producer or on a top team, whatever that means. It all sounds great. But here’s the deal: 90% of all the listings are sold by 10% of the agents. I’ll put it another way: in Lansing, Illinois there are 22 real estate companies and a total of 66 licensed sales people. In the month of July, those 66 sales people sold exactly 7 single-family homes in Lansing. There are 245 active listings, so there are plenty of people who listed with someone who somehow finessed the fact that they haven’t sold much of anything in a dog’s age. They might have stated that they work for a big company, productive office or some other larger truth that obscures the reality that they themselves are not doing very much. The problem here, and take it from a Realtor that lists dozens of expired listings each year, is that all that flowery gibberish breaks down when the seller realizes that the 2004 top office producer award means nothing in 2016, or 30 years in the business can really be one year repeated thirty times. Sad to say, but many agents have not adjusted to the market and industry changes of recent and they refuse to admit it isn’t 1996 anymore.

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Make the Most of Gifts to Grandchildren
Posted: September 09, 2016 - 1:57 pm

National Grandparents Day is less than a week away! While this “Day” is not as widely known as Mother’s or Father’s Day, it is nonetheless important, as it recognizes the key role that grandparents play. If you are a grandparent yourself, you might expect some cards or phone calls or emails from your own grandchildren – but you will probably experience even greater enjoyment in the gifts you can give them. If you’re thinking of making a financial gift, consider your options carefully.

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Lottery Winners and Losers
Posted: September 09, 2016 - 1:55 pm

If you are reading this, it probably means you didn’t win the lottery last week. Private gambling like office pools are illegal, but the lottery - government sponsored gambling - is legal and encouraged with a cute model picking the winning numbers on the evening news. Gambling is illegal unless the government runs the game.  Politicians have even encouraged people to buy more lottery tickets to support education. A generation ago, people would never even think about using dollars from shady behavior to benefit children. Now it’s viewed as normal. What’s next – legalizing all illegal behavior so the government can tax it? The ends justify the means – which is typical behavior in Illinois. The commercials for the gambling boats call it gaming, but the disclaimer at the end of the commercial encourages those with a gambling problem to call 1-800-Gambler. Why not just call it what it is from the start? Games to most people mean names like ‘Sorry, Twister and Yahtzee’. Last time I checked, Milton Bradley does not have a game called ‘Gambling’.

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Neighbor 2 Neighbor
Posted: September 09, 2016 - 1:46 pm

WHICH WICH OPENS ON INDIANAPOLIS IN SCHERERVILLE: Pictured here are Casey and Joanna Erickson and Kennedy Iwaszko in the newly opened Which Wich sandwich shop. The location is in the former Ciao Bella and Houlihans at 1508 US 41, the busiest corner or Northwest Indiana at present. The Ericksons promised to also open another location in Northwest Indiana in either Highland, Merrillville or St. John sometime soon and are scouting such locations now. Casey and Kennedy’s Dad David are both with the Calumet City Police Department. In all, the sandwich shop hopes to employ 25 and will feature sandwiches of every type and home made condiments we will be unable to get anywhere else! That US 41 and 30 corner is indeed iconic. Teible’s still occupies a huge space and where Sauzer’s pancake house used to be is now a gas station and across the street where Kiddieland used to be are a variety of different stores. What is life without change?

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Investors Can Learn Much from Workers
Posted: August 31, 2016 - 1:49 pm

Next week, we observe Labor Day, a celebration of the American worker. And there’s a lot to celebrate, because our workers have accomplished great things and, in the process, demonstrated a variety of impressive character traits – many of which also can be useful to investors.

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The Price Is Wrong
Posted: August 31, 2016 - 1:48 pm

I have been thinking about contacting the television networks with an idea I have for a new real estate reality T.V. show called “The Price is Wrong”. It would be a remake of the long running “The Price is Right” now hosted by Drew Carey. My studio audience is filled with hundreds of frustrated sellers batting zero. Frustrated “For Sale By Owners” cranky “Cancelled Listings” and exhausted “Expired Listings” in addition to “Agitated Agents” compete for the right to sit in the studio audience. Several lucky contestants will be selected to pick one of three doors on stage, which indicate why the property did not sell. In order to attract the attention of the game show host, the audience members are cleverly costumed in revolting real estate attire. Lime green shag sweaters, dresses with pet odors, textures and colors that don’t match are a few examples. Some sit in the aisles to mock poor locations. Others go without bathing for days to suggest unclean rooms. One shrewd seller comes as a converted garage/family room. But every guest says they are unaware of why the property remains unsold. As the studio audience jumps, shouts and hollers for recognition, the T.V. host selects one lucky contestant who will be offered a small prize, or the opportunity to open one of three doors on stage. The door is usually selected because it contains the answer to everyone’s question, “Why isn’t my home selling?” The amazing fact is that behind each and every door there is a large colorful sign that reads: THE PRICE IS WRONG! Reluctantly, the seller realizes the lack of offers, the lack of showings, the feedback, the buyer comments, the listing agent calls and the newspaper articles were all correct after all. That’s what I like about my new real estate reality T.V. show. It confronts the modern myth that “a person’s home is their castle”. Some things are priceless and others should be priced less. 

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Attorneys And Insurance Company Caused Problem For Our Client
Posted: August 31, 2016 - 1:48 pm

There is a big, thick file in my office with the name of a client from Gary, Indiana. Her Medicare claims were gummed up because of some attorneys and an insurance company.

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Random Reads
Posted: August 31, 2016 - 1:49 pm

Awkward

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Seize the Prize!
Posted: August 31, 2016 - 1:45 pm

As the Summer Olympics came to a close I thought about the first Olympic Game held in Olympia, Greece over 3000 years ago. The games were a part of a religious festival held in honor of the god Zeus. Zeus was the father of all of the great gods and goddesses in Greek Mythology. The Greeks valued physical fitness and mental discipline, believing that developing these qualities were pleasing to Zeus.

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Labor Day
Posted: August 31, 2016 - 1:47 pm

Labor Day, the first Monday in September, is a creation of the labor movement and is dedicated to the many achievements of American workers. It is a yearly national tribute to the contributions workers have made to the strength, prosperity, and well-being of our country. We can thank the American worker for the standard of living that we enjoy in this country. America is a country that celebrates hard work and every ethnic group in this country holds hard work in high regard. I know some cultures rank it right up there with cleanliness and Godliness! Perhaps we could take a lesson from some European and South American countries that value relaxation and vacation time more than we do. I don’t know anyone on their deathbed who said, “I wish I spent more time at work.” So enjoy Monday and play so hard you forget about work for at least one day!

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Life & Relationships
Posted: August 31, 2016 - 1:46 pm

Dear Dee:

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Real Estate Questions & Answers
Posted: August 31, 2016 - 1:46 pm

Question: I am considering purchasing a home. I am tired of renting. I’m not handy, but have friends who are. I want a place where I don’t have to answer to a landlord. My credit score is 620, and I know my income will rise in the future. I’ll save some money and in a couple years, I’ll move to another area where they don’t have snow! What are your thoughts about buying a home for the first time?

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Neighbor 2 Neighbor
Posted: August 31, 2016 - 1:27 pm

CALUMET CITY CHAMBER OF COMMERCE AUGUST LUNCHEON: Features the new Economic Development Coordinator Pete Saunders. The 40 members and guests assembled for the Chamber’s August Luncheon meeting listened attentively as the new (on the job just 3 months) EDC Saunders gave an overview of his background and ambitious and exciting plans for Calumet City. Saunders has more than 20 years experience in planning, and economic development and community development both in the public and private sectors. He had previously advised the City of Chicago, the City of Joliet and the Chicago  Metropolitan Agency for Planning.  Right up there on technology, Pete also is editor/publisher of the Corner Side Yard, an urbanist blog that focuses on a variety of issues facing cities today and contributes to Forbes Magazine in addition to other prominent news outlets. As he spoke, Pete outlined some new business on the charts for Calumet City--Checkers coming to River Oaks Drive across from McDonald’s, a car wash going into where the health club was on Torrence next to Aldi’s and an enclosure for Sonic  on Torrence Avenue so we can enjoy a meal indoors. Also a Dialysis clinic on Sibley which hopes to serve hundreds of patients a week. Next up for the Calumet City Chamber of Commerce will be the annual Car show, Sunday September 18th, 2016 co-coordinated  by Calumet City Mayor Michelle Markiewicz Qualkinbush and Andy DeYoung of Bob’s Body Shop. The car show will be at River Oaks Center and promises to be one of the great ones this season!  For more information on the Calumet City Chamber of Commerce, contact President Jane Rowland, 708-862-6254. Or go to info@calumetcitychamber.com Thanks to Larry Burrows for photo.

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Got A Thank You Message
Posted: August 23, 2016 - 1:38 pm

On the morning of August 3, 2016, my day started with a “thank you” message from one of our senior citizen clients. Our answering service took a message the evening of the previous day and the message was delivered to me in the morning.

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Words To Think About
Posted: August 23, 2016 - 1:38 pm

“If you can sit quietly after difficult news; 

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Life & Relationships
Posted: August 23, 2016 - 1:37 pm

Dear Dee:

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In the World… not of the World
Posted: August 23, 2016 - 1:36 pm

This year’s presidential election has plunged me into more debates than I cared to be in. For me, neither candidate is desirable so the decision now is which is the lessor of two bad choices. Regardless of who wins the Oval Office, ultimately our hope rests in God. 

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Thank You For Your Honesty
Posted: August 23, 2016 - 1:37 pm

It amazes me that there are still real estate agents out there that don’t seem to get that being completely honest with a home seller may be hard, but it’s the right thing to do. Not long ago, I heard from someone who had been trying to sell their Lansing home for a long time with no success. They asked me to take a look at the house and give my opinion on pricing it for today’s market. When I visited the home, I found several items of deferred maintenance that would keep the house from attracting the most qualified buyers, especially the FHA and VA buyers that are making up the majority of home sales in our area. There were lots of little things to do and it’s my practice to let sellers know about everything that could be improved, explain why they need to be improved and recommend the most critical things to be addressed before a house goes on the market.

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Neighbor 2 Neighbor
Posted: August 23, 2016 - 1:30 pm

PICNIC AT POST 330: Sunday August 14, 2016 dawned bright and sunny and was perfect for the annual American Legion Post 330 in Calumet City. Pictured here under the tent are John and Ginny Ulaszek, along with American Legion Post 697 Commander Don Lange and Patty Partayka in background. Patty was the dear friend of the late, great Frank Opiola, the former Post 330 Commander. The members of the post barbequed burgers, brats and dipped fresh sweet corn in butter for a great picnic lunch. Music, raffles and door prizes rounded out the annual affair. The great hall is available for weddings, anniversaries, and parties of all kinds. Call them at 708-862-8685 for more information. And if you do have an event there, make sure it includes some of Chef Julie’s fabulous fried chicken!

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A Still Small Voice
Posted: August 17, 2016 - 10:33 am

When experiencing unforeseen circumstances in life and/or ministry we often seek advice from our pastor or close friends. We strain to hear God’s voice of direction through a sermon, or a song. We’ll pull out our Topical Bible looking for passages that mirror our situation to explain or make sense out of what we’re going through. And many times God will speak to us through others and through specific examples from the Bible. But there are also times when God will speak through the still quiet moments of a seemingly mundane task.

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Life & Relationships
Posted: August 17, 2016 - 10:34 am

Dear Dee:

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Real Estate Questions & Answers
Posted: August 17, 2016 - 10:34 am

Question: We’ve signed an agreement of sale with a new home builder, put $40,000 down and are soon going to have the new house ready.

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Random Reads
Posted: August 17, 2016 - 10:35 am

Stitching Snow

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Flipped vs. Rehabbed
Posted: August 17, 2016 - 10:34 am

Lately I’ve seen a big difference between “flipped” homes and “rehabbed” homes. And while a rehabbed property might also be flipped, a flipped house doesn’t necessarily have to be rehabbed. With more and more homes being sold to investors, there are a lot of houses being flipped in today’s market. Not to say there’s anything wrong with that…there’s nothing wrong with earning a living or making money. But what I’ve noticed recently are the “fix and flips”. Perhaps a property is swooped up for a good price in a distressed sale situation. The owner has no intention of living there and does put in some sweat equity/elbow grease. Then places the property back on the market. If done correctly, the home will look great. If done incorrectly, the home will look like a rental property. Some of the fix and flip homes I’ve looked at are terrible. The quality of work is just not there and it’s noticeable. The homes are dated with maybe 70’s cabinetry, counter tops have gold leaf veining running through the Formica, dark wood floor boards and door frame moldings, aluminum cased windows, a fluorescent light fixture dangling in the kitchen. Oh sure, the carpet is new…there is fresh paint on the walls, and the property is clean as a whistle. But the work looks…well, like someone painted, cleaned and re-carpeted…nothing more. A quality rehabbed house shines. The flooring is refinished to bring out the hardwoods natural look, the cabinetry has been updated, the counter tops are replaced with hard surfaces, the dark trim has been replaced or repainted, the doors have been updated to six panel, appliances have been updated and the systems have been updated as needed. Perhaps electrical, plumbing, HVAC, roof and windows all have been done.

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Saved Saint John Woman Over $1,600
Posted: August 17, 2016 - 10:35 am

On August 8, 2016, I got a phone call from a client in Saint John, Indiana. She was happy, but she had a question.

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What Can Investors Learn from Roller Coaster Rides?
Posted: August 17, 2016 - 10:36 am

If you have an interest in obscure holidays and celebrations, August 16th was National Roller Coaster Day. As you know, a roller coaster is used as a metaphor for many areas of life – including the financial markets. As an investor, what can you learn from this thrill ride?

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Billboard Alert
Posted: August 17, 2016 - 10:27 am

OK, so I’m driving down 394 and see an electronic billboard that says, ‘Be on Alert! Cook County Sheriff Police have made 630 arrests this year.’ At first glance it didn’t confuse me, but a few miles later the questions start. Who exactly is the sheriff talking to? Is the sheriff talking to the bad guys and warning them to be on alert since 630 of their close friends have been arrested this year? If that is the case, shouldn’t the sheriff keep that information private to preserve the element of surprise? After all did we tell the Germans which beach we would be landing at in WWII? Without the element of surprise, every surprise birthday party would be a big disappointment. So it doesn’t seem likely that the sheriff is talking to the bad guys with this billboard.

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Neighbor 2 Neighbor
Posted: August 17, 2016 - 10:21 am

LINDA PILJAC AND SOPHIE AT LYNN’S DOGGIE SPA AND PET GROOMING: Looked like a well groomed lady, Sophie the adorable mixed breed just had her styling done thanks to Linda (and hubby Ken Laski) and her team of dog groomers. The popular pet groomer recently moved from Burnham Avenue in Calumet City to 1612 119th Street in Downtown Whiting. Linda is pictured here is the lobby of her new salon which caters to dogs of all breeds. She is very close to Walhala Beach and the lake as well as the wonderful Whiting Restaurants and charming shops. Her new number is 219-370-5166 but if you ring her at 708-868-6475 she will still get the call. For more information email her at Lynnsdoggiespa@att.net or go to her Facebook page.

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In the World… not of the World
Posted: August 10, 2016 - 11:14 am

This year’s presidential election has plunged me into more debates than I cared to be in.  For me, neither candidate is desirable so the decision now is which is the lessor of two bad choices.  Regardless of who wins the Oval Office, ultimately our hope rests in God.  

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Life & Relationships
Posted: August 10, 2016 - 11:14 am

Dear Dee:

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Cut the Cord
Posted: August 10, 2016 - 11:15 am

Your emotional attachment to your house can cost you big $$$. Our homes are very personal to us. Thinking of my grandmother’s home brings warm happy feelings, as does my childhood home. And when I move the next time, I’m sure I’ll be emotionally attached to my current home…it’s my wife’s and I first home together, the one where my children learned to walk, talk and write on the walls with permanent markers. But when it comes time to sell, you have to move outside the feelings of your “home” and sell your “house”. 

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Real Estate Questions & Answers
Posted: August 10, 2016 - 11:15 am

Question: My Realtor placed my offer on a house with a pre-approval and 20 percent down. The selling agent called my loan officer to ask for my FICO score, how much money I have in the bank and other personal questions so she can run the info with her seller. My loan officer did not give any info except that I am a really good, serious buyer with A+ credit. Was the listing agent out of bounds with such questions?

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Is It Free Or Not Under Obamacare?
Posted: August 10, 2016 - 11:16 am

A new client asked us for help with a bill that he got under Obamacare before he became a client of our agency. We helped him. The client is from the Miller Beach area of Gary, Indiana.

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Financial Tips for Single Parents
Posted: August 10, 2016 - 11:17 am

Parenting is never an easy job – and, unfortunately, it can be especially difficult if you’re doing it on your own. As a single parent, you face many challenges, not the least of which are the financial ones. But by following the suggestions below, you may be able to make life easier – for you and your children.

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Dogs and Men – A Comparison
Posted: August 10, 2016 - 11:16 am

We all like to compare certain things. Here we compare having a dog in your life as opposed to a man. Some people are doubly blessed - and have both.

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Neighbor 2 Neighbor
Posted: August 10, 2016 - 11:04 am

KEN AND PATSY TEASE COME BACK TO SAY ‘SO LONG’: Longtime Calumet City residents Ken and Patsy Tease moved from CC two years ago to Las Vegas. They have a lawn implement business at the corner of 159th and Burnham Avenue, Harold Tease and Son which has been on the market for years. They have decided it was time just to sell the contents of the building in a final grand sale and live permanently in sunny Las Vegas. Ken and Patsy are pictured here last weekend during their sale as they met with friends and former customers and said farewell. “It’s a bit hard to say good by. There are so many memories here,” Ken noted nostalgically. He did, after all grow up in the community. His dad was a fixture on that corner and a founder of the Calumet City Chamber of Commerce. Ken is still a Lifetime Member of that organization after having been Executive Director for many years. But time marches on and the Teases found their calling to be glittering Las Vegas where Ken, a member of the musicians union there regularly plays gigs for A listers who come to entertain. Patsy, the hostess with the mostest enjoys giving fun parties and invites friends from Calumet City and Cedar Lake where they once had a lovely home. Blessings and Best Wishes to Ken and Patsy Tease!

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Helped Army Veteran Fight Fraud
Posted: August 04, 2016 - 2:52 pm

On May 5, 2016, I wrote and typed a letter for an Army veteran to sign.  He had brought papers to me for review and I agreed with him that the matter involved either Medicare fraud or serious mistakes.  The client is from Crown Point, Indiana. 

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“Occupancy” Plan B?
Posted: August 04, 2016 - 2:45 pm

Planning to sleep in your new home tonight…what’s Plan B? It’s closing day! Everything has gone like clockwork and you have nothing but the closing between you and home ownership!

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Like Me!
Posted: August 04, 2016 - 2:44 pm

I seem to be stuck (or maybe mesmerized would be a better word) by the passage of scripture recorded in Hebrews 2:14-15, 17. I sense there’s something more the Lord wants me to see. At times I feel like I’m at the edge of grasping it, only to realize that I still don’t know what it is I’m trying to see! As I continued to meditate on this text I was reminded of an old movie I watched on TV many years ago. It didn’t seem important then, and I wasn’t sure if it was a true story or not, but it intrigued me now as it related to the human perspective of what I was trying to understand from Hebrews. My google search led me to the film in question. And yes, it was a true story.

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Real Estate Questions & Answers
Posted: August 04, 2016 - 2:44 pm

Question: After taking the last walk-through tour I closed on my house. Everything seemed fine. All the upgraded appliances (Stove/oven, Microwave and Dishwasher) were installed. I was handed the keys to the house the next day at about 4 PM. I did not go to inspect the house on the day of settlement but the next day when I went to the house at about 6.30 PM all the appliances (stove/oven, microwave and dishwasher) were gone from the house. I filed a police report. The officer inspected the house and found out that there was no sign of a break-in, no windows were broken or unlocked and all the locks were intact. He made a report but also suggested that I talk to the builder. 

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Life & Relationships
Posted: August 04, 2016 - 2:43 pm

Dear Dee:

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Texting While Walking Earns $85 Fine
Posted: August 04, 2016 - 2:45 pm

I know from experience that more and more drivers are texting while driving. You can just tell. They think that driving 5 miles below the speed limit will give them the extra time to read or write a text - and no one will ever know. What they hope no one else notices is that they drift out of their lane, slam on their brakes at the last minute, and sit at the stop light long after it has turned green. A New Jersey town is tired of people texting while driving – and while walking. Fort Lee New Jersey has had 3 fatalities that were caused by people texting while crossing the street. I’m guessing that they forgot their parent’s advice to look both ways. Fort Lee, N.J. police said they will begin issuing $85 tickets to pedestrians who are caught texting while walking. Perhaps the pedestrians in New Jersey don’t realize all the features of their fancy texting machines. The new features of electronic gadgets are hard to keep up with after all. Maybe they don’t know that their texting machine has a great feature, they can press a single button or tap the screen once, hold it up to their ear, and actually talk to the person on the other end. That way they can keep both eyes on the sidewalk in front of them. Anyway, I hope it  helps keep people safer in New Jersey – I’m just not sure you can cure stupid with an $85 ticket.

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Investing: A Marathon, Not a Sprint
Posted: August 04, 2016 - 2:46 pm

  This week, the 2016 Summer Olympics begin in Rio de Janeiro. One of the most compelling events is the marathon, a 26.2-mile endurance contest with roots dating back to ancient Greece. It may be that we’ve kept  our interest in the marathon because it can teach us much about life – and it certainly has lessons for investors. 

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Neighbor 2 Neighbor
Posted: August 04, 2016 - 2:26 pm

NORENE AND ANDY DELAURENTIS CELEBRATE GOLDEN ANNIVERSARY: The Lansing couple were married on Saturday July 16th, 1966 at St. Kevin’s Church on 107th and Torrence Avenue in South Deering   A reception for 450 guests was held at Club Allegro, 117th and Halsted. A romantic honeymoon in Las Vegas, Idaho, and New Mexico followed the festivities. The bridal party included Lucille Blasko, matron of honor; Anthony DeLaurentis, best man. Bridesmaids were Carmella Notardonato, Virginia Topolski and Mimi De Laurentis, (now deceased). Groomsmen were Bill DiCristofano, Vince DeLaurentis and Jeff Jures. Most of whom were at the July 16, 2016 Anniversary Party held at Mazzini-Verdi Italian Club in Franklin Park, Il. Norene and Andy are the parents of Lisa, a graduate of Loyola in the medical field and married to Rob who is an air traffic controller supervisor, and and are the parents of Gianna and Christopher. Son Dan, is a professor at Purdue University in Layfayette, Indiana in Aerospace Engineering.  Dan’s wife Poching has a Doctorate in Mechanical Engineering and also works at Purdue. They are the parents of a son Ambrose, 3. Andrew worked and retired from Ford Motor Company after 31 years and was co-owner of Duke’s 101 Club on the East Side. Norene worked at Marshall Fields (now Macy’s) for 10 years and then worked and retired from St. James Hospital in Olympia Fields as a Mastectomy Prosteses Fitter.  Blessing and Many, Many More Happy Anniversaries! Long May Norene and Andy Love!                                                                                                                          

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Top 10 Reasons to Support Locally Owned Businesses
Posted: July 27, 2016 - 12:28 pm

Institute for Local Self-Reliance

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The Client Never Called
Posted: July 27, 2016 - 12:28 pm

Whenever I can, I check active files to decide if I should continue to classify them as active.

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Act Today to Avoid Financial Regrets Tomorrow
Posted: July 27, 2016 - 12:28 pm

“Regrets? I’ve had a few.” – Frank Sinatra.

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