Columns

  Whenever you’re negotiating on a property, be careful to not alienate the other side. Sellers tend to avoid buyers who seem difficult to deal with. And if there are multiple offers on the table, this could easily move your offer to the bottom of the stack. So you’ve found the perfect property and you’re ready to make an offer on it. The old saying, “It never hurts to ask,” doesn’t always apply. For example, you may love the current owner’s living room set and ask the seller to leave it in the property. Even if the seller is planning …

  Last month we reviewed newspaper resources. If you know the date, for death notices and such, you should find microfilm and go ahead and locate the death notice in the paper. If you are just trolling for any mention of your family name, you will need to use only searchable digitized newspapers. This logic can apply to any newspaper research, whether in Chicago or not. There is no way to go through newspapers nationwide, but let’s find out what is available in Chicagoland. At this writing, we have the Chicago Tribune and the Chicago Sun Times, plus suburban papers …

I’ve been wanting to write about families for quite a while now, and everything finally came together recently when I took part in a few family events. Family is an important part of recognizing who we are from the perspective of where we came from. The families I’ve been fortunate to spend time with have experienced life in many different ways. Their stories are varied and interesting but the shared common thread of famiglia is all-important to their present day lives, their perspectives on their past and their future as carried forward by their offspring. A generous invitation was extended …

Sadly, there are many types mortgage fraud but the one that I would like to focus on this month is mortgage servicing fraud. What is mortgage servicing fraud? That’s when scammers send out a letter informing borrowers that their mortgages have been sold to another lender. The letter directs the recipients to mail their checks to a different company and address. Most borrowers don’t think anything of it because transfers like that are normal in our industry and they begin making payments to this so-called new lender. The borrowers don’t find out they’ve been scammed until at least a month …

Some homeowners are willing to go to great lengths to save the environment, installing costly solar panels to replace traditional sources of electricity. But going green at home doesn’t have to involve spending an arm and a leg. There are many little things that you can do to lend Mother Nature a helping hand, and you can often save money in the bargain. Older refrigerators can use 10 to 50 percent more energy than the energy-efficient models that are available on the market today. Making that simple change could reduce your electrical usage by up to $150 a year. According …

While I was in St. Paul, I spent a lot of time at their state historical library. (Believe me, I wish I lived closer to Springfield in order to do a lot of work here in Illinois!) They have one of the best collections of Minnesota newspapers around, covering most major cities and some smaller towns throughout the state. So before I went up there, I made sure I had a complete list of everybody I wanted to find in those papers, particularly death notices. When preparing to work with newspapers, whether small town or big metropolis, you need to …

If only I had a dollar for every time someone said, “I wish we had our Roseland back,” I’d be a wealthy man. It should come as no surprise to Roselandites, but whenever I talk to Italian Americans from Taylor Street, Bridgeport, Melrose Park or Elmwood Park, the sentiment is the same: “I wish we had (insert neighborhood or town) back.” I don’t know if that’s any comfort, but it proves that change is unavoidable no matter where we’ve come from. “But, CJ, if the neighborhood hadn’t changed, it’d be the same.” Tell that to the Italian Americans who used …

If you’re a first-time homebuyer, you may be a little thrown off when you receive the closing statement from your loan officer or attorney. You immediately ask, “What am I paying for and why is it so much?” Let me walk you through them. Your earnest money is a “good faith” deposit that is given to the seller’s representation or a mutually agreed upon title company once the sales contract is signed by all parties. This “up front” amount is usually subtracted from the bottom line due at the closing table. The bulk of your closing costs will be on …

I’m in St. Paul, Minn., at an annual family reunion and I’m partly prepared but not 100 percent. I knew about this year’s family reunion year ago, so I had plenty of time to prepare for it. Or so I thought! There are a lot of genealogy issues you need to work on before leaving town for a big reunion such as the one I am at. You should plan to make time to visit the family, both during the larger reunion party, and if possible, before or after to get more one-on-one time with specific relatives that you need …

As summer winds down, we recall the events we’ve attended throughout the season. We’ve celebrated everything from baptisms, communions and confirmations to graduations and class reunions to picnics with family, friends and neighbors. All of these events constitute a “best use of summer” kind of life. We Midwesterners so look forward to summertime that you’re hard-pressed to find us at home. This month’s column salutes these best-use-of-summer events and the togetherness and camaraderie they bring. St. Anthony’s always signals the start of summer with its communion and confirmation celebrations welcoming new members into the fold of the Catholic Church. Of …