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DOWN PAYMENTS: FOX VALLEY IL

by The Rullo Team

With a booming economy and comfortably plump market in the Fox Valley IL, there are many more first time homebuyers flooding the market. So I thought it fitting to start a few blogs for those less familiar with how buying a home works, I mean, lets face it, even if you’ve been buying homes for 20 years, the process doesn't get less confusing.  So, lets start at the beginning; naturally, the Down Payment.

Let’s discuss what a Down Payment IS and IS NOT.

Definition of Down Payment

For a home buyer, the Down Payment, from here on out referred to as the DP, IS the sale price minus the mortgage loan amount. It IS NOT the same as the buyer’s cash outlay (the two are often confused). They are different by the amount of settlement costs charged to the buyer. 

For example, if the price is $100,000, the settlement costs $5,000 and the buyer has cash of $30,000, the amount available for down payment is only $25,000. 

Thus why many home buyers pay a higher interest rate in exchange for a lender rebate that will cover some or all of the settlement costs.

The DP IS NOT the same as the owner’s equity, except on the day of the purchase. Owner equity is what the owner could potentially net from selling the property. Where as the down payment is a one-time measure as of the purchase date, owner equity changes month by month. It will rise above the down payment as the mortgage loan balance is paid down and as the market value of the house rises, due either to property improvements or to market changes. AND obviously the owner equity could also decline if house prices fall…remember 2008? 

Why are down payments necessary?  

Basically to protect the lender.  You risk losing your down payment if your home ends up in foreclosure, so it's a way to make sure you make your monthly payment obligations.  

Minimum down payments

Most mortgage lenders require a down payment of at least 3 percent. FHA loans (mortgages insured by the Federal Housing Administration) require a down payment of at least 3.5 percent. Depending on your credit history, the type of dwelling and your reason for buying, the minimum down payment could be 5 percent, 10 percent, 20 percent or more.  This is why it makes sense to shop around for a mortgage.  Use your Real Estate Agent as a resource.  They will be able to help you find a few different mortgage options.  

Mortgage Insurance

When you make a down payment of less than 20 percent, your only option is to also buy mortgage insurance. There are two main types:

Private Mortgage Insurance (often called PMI), is paid to an insurance company. You will pay what are called annual premiums, which you will most likely pay monthly and most insurers also offer the option of an "upfront premium", in which you make a big payment at the beginning of the loan.

FHA insurance is paid to the federal government. When you get an FHA-insured mortgage, you will pay an upfront premium AND monthly premium payments.

Additional Fees

In many cases, lenders charge fees for down payments of less than 20 percent. Those fees will be on top of mortgage insurance premiums. Usually, the smaller the down payment, the higher the fee.  These fees will be paid at closing, FYI.  Sometimes the lender will charge a higher interest rate instead of fees.  

Options For Down Payments:

Appraised Value VS Sale Price

A big questions I get, is whether in the case where the appraised value is higher than the sale price, the difference can be counted as part of the down payment? From the lender’s perspective, the answer is “no”.  The property value used in determining the down payment is the sale price or appraised value, whichever is lower. The one and only exception to this is when the seller provides a gift of equity to the buyer (usually a family member). In these cases, the lender acknowledges that the house is being priced below market and will accept the appraisal as the value. In most of these cases, Lenders will require two appraisals and then they will take the lower of the two. 

Land as the Down Payment

Another big question is if land purchased as part of a plan to construct a new home can be used as down payment? The answer is “yes” actually. However, the land is then valued based on how long it has been held. If the owner has held the land for a long time, the lender will appraise the completed house on the lot and the difference between the appraisal and the cost of construction will then be viewed as the down payment.

So, if a builder charges $160,000 for the house and the appraisal comes in at $200,000, the land is assumed to be worth $40,000. A loan of $160,000 in this case would have a down payment of 20%.

However, if the land was purchased recently, the lender will NOT value it for more than its purchase price. If the price was only $30,000, for example, the lender will value it at $30,000, and the down payment will only be 15.8%.

Down Payment and Mortgage Insurance

From the borrower’s perspective, a larger down payment means a lower mortgage insurance premium. For example, a home purchaser with a good credit score who puts 3% down on a conventional loan will pay a monthly mortgage insurance premium about twice as large as the premium on an otherwise identical loan with 5% down, and 4 times as large as the premium on an otherwise identical 15% loan with 20% down.

I know, still a bit confusing, but that’s why we’re here, this is what we do!  If you need help navigating the murky waters of first time home buying, give The Rullo Team a call, we'd be happy to help you get into your first Fox Valley home.  The best way to buy a home will always be to find a good Realtor you trust and then let them do all the hard work and remember don’t be afraid to ask questions if you need things clarified.  If your Agent doesn’t encourage you to ask questions…find another Agent.  

Not ready to talk to an agent yet?  Then check out some of the FREE Home Buyer Tools we offer. 

Geneva IL It's a GREAT Time to SELL Your Home!

by The Rullo Team

 

As we've been talking about for several weeks now, the Spring Market has SPRUNG! Albeit a bit earlier than normal, don't be fooled by the white fluffy stuff on the ground, if you're considering SELLING your Geneva, IL Home in 2016, the time is NOW!

Why are we telling you this? It's simply;

  • Inventory of Homes is Extremely Low Right NOW 
  • Buyer Demand is High
  • Competition it Low
  • Home Values have Risen
  • Home Prices are higher than they've been in 5 Years!
  • Interest Rates are Still LOW...but they ARE NOT GOING TO STAY THERE!

Right now in Geneva IL, ONLY 4 area's have 6 months of Home Inventory (considered a healthy, average level of homes for sale) they are:

 

 

ALL other area's within Geneva are between >6 Months to 0 Zero Inventory!!!  Meaning there are not enough homes on the market to sustain even 1 month in several cases! Home Sellers, this is a HUGE SELLERS MARKET OPPORTUNITY!! If you are living in Randall Square, Geneva East, Pepper Valley, Sunset Meadows and Fisher Farms and are thinking of SELLING your HOME, give one of our EXPERIENCED TEAM MEMBERS A CALL.

We'll help you get your home ready for the market so that it can garner top dollar while still being sold in the minimum number of days.
If you'd like to find out what your GENEVA HOME IS WORTH in this fantastic new market, visit this link and receive a FREE, No Obligation Home Value Report Instantly! FREE HOME VALUE REPORT 
Then give us a call and we'll strategize on putting a SOLD sign in your yard!
Don't miss this AMAZING opportunity! Whether BUYING, SELLING or INVESTING in REAL ESTATE IN THE FOX VALLEY.....The Rullo Team can help.  The Right Realtor ALWAYS Makes the Difference!

Best Chocolate Candy Stores in the Kane County!

by The Rullo Team

Who's the Best Chocolatier in the Fox Valley? That's the #1 question on the minds of all romantics for this upcoming Valentines Day!

We're all searching for the Best Chocolate out there for our loved one and hoping to find the most delectable concoction of the perfect chocolate combinations from our local chocolatier's. So where do we go? Who do we trust to truly have the most mouthwatering, velvety smooth chocolate in Kane County? According to our research, and tastebuds over the years, we've compiled a list of Fox Valley's best!

We hope you agree...If not, make sure to comment here and on our Facebook Page. We always want to know what YOU think, and your experiences with,  the wonderful businesses & shops here in the Fox Valley. 

1. Graham’s Chocolate

302 S 3rd St

Geneva, IL 60134

Phone number (630) 232-6655

www.grahamschocolate.com

 

 

 

2. Le Chocolat du Bouchard

127-129 S Washington St

Naperville, IL 60540

(630) 355-5720

www.lechocolatdubou­chard.com

3. Naper Nuts & Sweets

10 W Jefferson Ave

Naperville, IL 60540

Phone number (630) 355-5330

www.napernutsandsweets.com

 

 

4. Rocket Fizz

303 W Main St

St. Charles, IL 60174

Phone number (630) 797-5889

www.rocketfizz.com

5. The Cocoa Cabana Gourmet

651 S 8th St

West Dundee, IL 60118

Phone number (847) 851-8775

www.thecocoacabana.com

6.Morkes Chocolates

1890 N Rand Rd

Palatine, IL 60074

Phone number (847) 359-3454

www.morkeschocolates.com

 

 

7. All Chocolate Kitchen

33 S 3rd St

Geneva, IL 60134

(630) 232-2395

www.allchocolatekitchen.com/

8. Kilwins Chocolates & Ice Cream

407 S 3rd St

Geneva, IL 60134

(630) 232-7122

www.kilwins.com/geneva

 

9. Chicago Turtle Factory

10 S Riverside Ave

St. Charles, IL 60174

Phone number (630) 584-2977

 

10. Riverside Chocolate Factory

2102 W Rt 120

McHenry, IL 60051

(815) 344-6040

www.riversidechocolatefactory.com

Stay tuned for more Valentine Day events, party ideas, drink recipes and more! 

Military History Fest in the Fox Valley!

by The Rullo Team

MARK YOUR CALENDARS!

12th Annual MHF will be February 5-7, 2016!  

Military History Fest is an indoor convention for Military History buffs, Reenactors, Collectors and Cultural Historians from all time periods; featuring the Military greatness from all periods, from the Roman Empire through modern day. You don't have to be a reenactor or History professor to enjoy the weekend, the excitement and camaraderie is contagious at this event and people of all ages and backgrounds will enjoy themselves AND learn so many things they may not know about the history of our great country. 

It's the ONLY show with full indoor encampments, military vehicles, heavy weapons, live music, educational seminars, hundreds of costumed reenactors, hundreds of tables of original and reproduction military items, books, movies, music and more! Plus, on Friday Veterans are FREE as a thank you for their service. Kids 15 and under are FREE every day! 

Follow the links below for more information:

HOTELS  (*special discount rates for attendees)

EVENT SCHEDULE

ENCAMPMENTS

LIVE PERFORMANCES

 

*Check the Official Website for more. 

January is Radon Home Testing Month!

by The Rullo Team

Has your Fox Valley home been tested for Radon? If not, now is the perfect time to get it done! January is National Radon Action Month. As your Fox Valley Real Estate Team, we feel it’s our duty to inform you of the proper precautions and actions to take in order to protect yourself and your family from any possible radon exposure.

According to the Environmental Protection Agency, radon (also known as a radioactive gas) is found at some level in almost every home and takes the lives of 21,000 Americans each year. Did you know that the EPA and the U.S. Surgeon General have urged all Americans to protect their health by testing their homes, schools and places of business for radon? Because exposure to radon is a preventable health risk, testing radon levels in your home can help prevent unnecessary exposure and health issues! If a high radon level is detected in your home you can take steps to fix the problem and protect yourself and your family.

Here's what you need to do to Test your Home for Radon:

Get a Radon test kit & Test your Existing Home: Test kits are available for purchase online, however we would recommend completing the Home Radon Testing Checklist at the following website to ensure you do a complete and accurate job of testing your home: RADON TESTING CHECKLIST. Kane County offers RADON TEST KITS for $15. Just follow this link to learn more:  KANE COUNTY RADON TESTING  Some home goods and hardware stores also sell radon testing kits. Make sure to follow the instructions carefully for proper placement and information on where to send it afterwards to get your reading.

  • Call a Professional- If you'd rather not do the testing yourself, you can call a Fox Valley Radon Mitigation Professional and they'll come in your home and do all the testing for you.
  • If You Are Buying a Home…and the home has already been tested for radon, ask the seller for the test results of the most recent radon test. You may also want to request that a new test be conducted by a professional radon tester. If a radon test has not yet been conducted, request it as soon as possible with your own specific preferences. You have the right to decide who will do the test, what type of test will be done and when the test will be done.
  • If You Are Selling a Home…and your home has already been tested for radon, review the facts and verify it was done correctly. If so, make sure the test results are available to your potential buyers. If your home has not been tested for radon, get the test done as soon as possible; preferably before your home goes on the market.

The presence of radon in your Fox Valley home can be dangerous and life threatening. While smoking causes cancer in an estimated 160,000 people a year, radon can cause lung cancer in both smokers and non-

smokers alike. Radon is the number one cause of lung cancer in non-smokers, and radon is the second leading cause of lung cancer overall.

The World Health Organization (WHO) launched an international radon project to help countries around the world increase awareness, collect data and promote action to reduce radon risks. Radon in our homes is the main source of exposure and up until now has not received widespread attention. Get the facts about radon and make sure your family is safe from its dangers. 

For more Home Buying and Selling Tips visit our Blog and Facebook Page frequently. 

Campton Hills IL Ranked Safest City to Live in Illinois!

by The Rullo Team

Homesnacks has ranked Campton Hills, Illinois as the Safest City to Live in Illinois for 2016! Another reason to move to the great Fox Valley...as if you really needed another reason. Homesnacks analyzed 202 cities in Illinios to come up with their list.  While their are plenty of survey's and public opinions on what cities are safer than others, Homesnacks wanted hard facts and statistics...so they relied on the FBI's Uniform Crime Report.

This report uses the following criteria;

  • Violent crimes per capita (murders, assaults, rapes and armed robberies)
  • Property crimes per capita (thefts, burglaries, motor vehicle thefts)
  • Total crimes per capita

For example, there were a total of 99 crimes committed in Campton Hills which had a reported population of 11,351. That means the number of crimes per capita is 0.00872 which translates into a 1 in 115 chance ofbeing the victim of a crime.

Next, they only looked at cities that have populations of more than 5,000 people reported to the FBI in 2014. This left them with a total of 202 places in Illinois to rank. They then ranked each place for each criteria from 1 to 202 where 1 in any particular category is the safest. Next, they averaged each places three criteria to create a Safety Index and  crowned the place with the lowest overall Safety Score "The Safest Place In Illinois".

For 2016 the Safest Place to Live in Illinois is Campton Hills!  This wonderful little town around St. Charles, IL just happens to be where our ReMAX Great American North office is located, and we can whole heartedly agree with this ranking! Campton Hills is not only a beautiful, safe city to live, but it also offers families access to excellent schools, fabulous shopping, dining, entertainment and more!  If you're considering a move to the Fox Valley, Campton Hills, IL is a GREAT place to begin your search. Give our team a call, we'd be happy to assist you in finding the perfect home for your family.

We'd also like to add that the quaint, picture perfect postcard town of Geneva, IL was also on the Top 25 Safest Places to Live in Illinois list! With it's Victorian style shopping district, historic homes and location on the Fox River, this lovely town has been a Fox Valley favorite for years! This is another fantastic choice for families looking to move to the Fox Valley area!

The Rullo Team has lived and worked in the Fox Valley for 20+ years and would love to share our experience and knowledge of this spectacular area with you. Give us a call, send us an email or visit our website to gather information and view some of the Homes Available. 

Geneva IL Restaurant Week

by The Rullo Team

DELICIOUS DEALS AWAIT!!!

YES, IT'S TIME FOR GENEVA RESURAUNT WEEK!!!

JANUARY 25th - 31st

For years, Geneva Restaurant Week has delighted residents and tourists with delicious deals at some of the best eateries in town.  An entire week is dedicated to highlighting the culinary excellence of Geneva’s finest Chefs and Restaurants…and better yet, the week is full of great deals allowing you to sample as many of the wonderful offerings as you are physically able to fit into the week as possible!  Don't go hunting for coupons, you won't find them. This event doesn't require any coupons or tickets of any kind. Just mention to your server that you're there for Restaurant Week, when you're at any of the participating businesses, and you'd like to see the Restaurant Week offerings! 

*It will be a busy week, if you want to eat at a place taking reservations…you’ll definitely want to make some, rather than showing up and hoping for the best.  Call ahead! 

Here's the list of fantastic Restaurants participating in this year's event: 

318 Coffee House

318 S. Third St.

630-845-3180


 

 

 

 

 

 

Lunch/Dinner $19 offering

Chocolate Fondue for 4-6 people or Chocolate Fondue for 2 people with 2 speciality coffees and 2 scoops of our Artisan Gelato.


Atwater’s

15 S. River Ln.

630-208-8920

 

Lunch $19 offering

Three course meal - First (Butternut Squash Soup or Atwater's Salad) Second (Wild Mushroom Tartlet or Pan Seared Red Snapper) Third (Chocolate Ganache Cake or Vanilla Crème Brûlée)

Dinner $39 offering

Three course meal - First (Butternut Squash Soup or Atwater's Salad) Second (Duck Confit or Braised Short Rib) Third (Chocolate Ganache Cake or Vanilla Crème Brûlée)

 

Bien Trucha

410 W. State St.

630-232-2665

 

Lunch $19 offering

One order of Tacos, Pick 2 from Soup or Sides

Dinner $39 offering

One Guacamole Tradicional or Del Dia, Two orders of Tacos, Pick 2 from Soup or Sides

 

Chianti’s

201 S. Third St.

630-232-0212

$19.00 offering any time of day.

Any two lunch items and two soft drinks - any time


El Molcajete on 3rd

227 S. Third St., Suite 201 & 202
630-457-5348


Lunch $19 Offering for 2: Guacamole, two Burritos or 2 Tortas, two soft drinks
Dinner $39 Offering for 2: Guacamole, two Taco Dinners, two menu Margaritas, any dessert to share.


EvenFlow Music & Spirits

302 W. State St.

331-248-0269

 

$19 Lunch or Dinner

Choose one of each or two of each. Rosemary Pork Burger with EvenFlow Beer of the Month and eF Toasted Prime with EvenFlow Beer of the Month. Both come with fries or tator tots.

 

FoxFire Restaurant

17 W. State St.
630-232-1369

Lunch $19 offering for two: Half sandwich with choice of starch, soup or salad combo with appetizer and soft drinks. 
Dinner $39 offering for two: Choice of Scottish Salmon, Braised Short Rib, Stuffed Pepper or Napa Chicken. Also includes choice of sorbet or gelato.


Houlihan’s

1322 Commons Dr.

630-345-8000

 

 Lunch/Dinner $19 offering

Choose one from each course - First (Crispy Shrimp, Small Shrooms, Hummus, Margarita Flatbread) Second (Potato Soup, Tortilla Soup, House Salad, Caesar Salad) Third (Thai Chicken, Seared George’s Bank Scallops, Down Home Pot Roast, Steak N Wedge Salad) Fourth (Crème Brulee, Apple Pie, Cappuccino Cake).

 

Kernel’s Gourmet Popcorn & More

316 W. State St.

630-232-7151

 

Offering $19

One gallon tin of Gourmet Popcorn of your choice ($26 value)

 

Nobel House

305 W. State St.

630-402-0452

 

Both offers good for lunch or dinner.

$19 NoHo Rib Combo: 1/2 Slab of Slow Smoked Ribs. Choice of two sides & a Nobel House Ale

 

$39 NoHo Surf n Turf Combo:  1/2 Slab of Slow Smoked Ribs & a 6oz Lobster Tail. Choice of two sides & a Nobel House Ale

 

The Little Traveler Atrium Cafe

404 S. Third St.

630-232-4200

 

Lunch: $19 offering : Any entrée, dessert and beverage for two

 

Oscar Swan Country Inn

1800 W. State St.

630-232-0173

Lunch $19 offering

Lunch and tour of historic Oscar Swan for two. Butternut Squash Soup, Mixed Greens Salad, Pulled Chicken Salad Sandwich, Breads & Desserts. Reservations Required.

 

Preservation Bread & Wine

513 S. Third St.

630-208-1588

Lunch/Dinner $39 offering

Meal for two. Choose one from each level. 1 (Starter - European Cheese Board or Spanish Charcuterie Board 2 (Salad - Butter Lettuce Salad or Shaved Vegetable Salad) 3 (Sandwich - Sourdough Smoked Turkey or Baguette Roast Beef or Focaccia Roasted Vegetables) 4 (Savory Bite - Chicken Pot Pie or Salmon & Potato Bake or Spinach & Artichoke Bread Pudding) 5 (Dessert - Chocolate Espresso Tart or Bread Pudding)

 

Rascal’s Tavern & Grill

207 S. Third St.
331-248-8959

 

Lunch $19 offering: Choose one appetizer to share (Wings, Pretzels, Toasted Ravioli, Onion rings, Hush puppies) Choose two mini salads (Third St. Salad, Mediterranean Salad, Rascal Salad). Choose any two sandwiches (excluding Steak Sandwich). Choose any one dessert to share.
Dinner $39 offering: Choose one appetizer to share (Nachos, Calamari, portabellas, Shrimp Picante). Choose two mini salads (Third St. Salad, Mediterranean Salad, Rascal Salad). Choose any two entrees/pastas. Choose any one dessert to share.


Sergio’s Cantina

30 W. State St.
630-845-9200

 

Lunch $19 offering: Choose one appetizer (Queso Dip or Taquitos), two Street Taco Platters (excluding lamb tacos) and two soft drinks
Dinner $39 offering: Choose one appetizer (Queso Dip or Taquitos), two Street Taco Platters (excluding lamb tacos) and two fresh Agave Margaritas and one order of Homemade Churros


Stockholm’s

306 W. State St.

630-208-7070

Lunch/Dinner $19 Offering: 22 oz Bone-in Pork Shank; $19 - Scallop Risotto Palermo; $19 Chicken Carciofi; $19 Crabmeat Stuffed Salmon

Lunch/Dinner $39 offering: $39 12 oz Bone-in Filet Mignon; $39 Zuppa di Pesce for Two. Special items for Restaurant Week only. Available all day.

 

Sweet Natalies’s Gluten-Free Bakery

228 S. Third St.
630-232-7434

 

$19 offering: "Taste of Sweet Natalies" - Two cups coffee, One Apple Pie Bar, One Coconut Macaroon, One Salted Caramel Pie Slice, Cheddar Popcorn, One Mini Cupcake, One Sugar Free Chocolate Chip Cookie, One Lemon Bar
 

* Disclaimer: Gratuity not included. Not valid with other offers. Some restrictions may apply. See participating restaurants for details.
 

 To learn more about the wonderful community of Geneva IL, visit our website at therulloteam.com. You can also visit our Facebook page. If you'd live information about Buying, Selling or Investing in Real Estate in Geneva, IL or other area's of the Fox Valley, please call a member of our Team at 630-513-1771.

 

Comfort Food!

by The Rullo Team

Winter has finally caught up with us! Brrrr…

 

 What better way to shake the chill than a warm fireplace and your favorite comfort food!

 

 Comfort food is one thing that will come to mind in cold weather. It is so satisfying because it is prepared in a simple or traditional way that reminds you of home, family and friends. Who can remember coming home from school to a warm bowl of tomato soup with a crispy grilled cheese sandwich or Mom’s homemade baked macaroni & cheese!

 http://www.bonappetit.com/recipe/creamy-tomato-soup

http://www.foodnetwork.com/recipes/articles/50-grilled-cheese.html

http://allrecipes.com/recipe/14140/baked-macaroni-and-cheese/

 

Crockpot meals are always warm & comforting. They welcome you home after a long day at work with fragrant, savory aromas as you enter your home. You can find recipes for almost any meal! 

The crockpot really makes eating well so easy!


http://www.the11best.com/crockpot-soup-recipes/

http://allrecipes.com/recipe/78299/boilermaker-tailgate-chili/

http://www.momswhothink.com/crock-pot-recipes/crock-pot-recipes-for-the-crockpot-and-slow-cooker.html

 

New Year resolutions holding you back?

Comfort foods and crockpot meals can be light and healthy as well! 

 

http://www.foodnetwork.com/recipes/patrick-and-gina-neely/white-chicken-chili-recipe.html

http://www.slenderkitchen.com/recipe-index/crock-pot

http://www.cookinglight.com/food/top-rated-recipes/slow-cooker-favorites/view-all


Warm Wishes and Tasty Dishes!


If you are interested in more information about the benefits of home ownership in the Fox Valley Area please contact a real estate professional with the Rullo Team.

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Shows and Benefits: This Week in The Fox Valley

by The Rullo Team

Unmasking the Face of Homelessness

January 16, 2016 - January 16, 2016

St. Charles Country Club

1250 Country Club Rd.

St. Charles, IL 60174

630.587.2144

A dinner-auction event to benefit Lazarus House, an emergency shelter, transitional living, outreach program helping men, women, children from St. Charles, Batavia, Geneva, Western rural Kane County who are homeless or in crisis. $100 per reservation.

Page to Stage

January 15, 2016 - January 16, 2016 Fri-Sat.7:30pm

Vero Voce

951 State Avenue Ste. F

St. Charles, IL 60174

630.584.0139

See Works of the Talented St. Charles Writers Group. A portion of the ticket price will be donated to the St. Charles Public Library. 

Yankee Tavern by Steven Dietz

January 15, 2016 - January 17, 2016 Performances Fri.-Sat. 8pm; Sun. 3pm.

Steel Beam Theatre

111 W. Main Street

St. Charles, IL 60174

630.587.8521

Please call 630.587.8521.

Elgin Youth Symphony Chamber Music Ensembles/Music in the Gallery 

January 17, 2016 - January 17, 2016 

Norris Cultural Arts Center

1040 Dunham Road

St. Charles, IL 60174

630.584.7200

Presenting impressive "rising star" musicians, performing as the Maud Powell String Quartet and the Sterling Brass Quintet. For additional information visit their website or to order tickets call 630.584.7200.

Mike Toomey

January 14, 2016 - January 16, 2016

Zanies Comedy Club at Pheasant Run Resort

4051 E. Main Street

St. Charles, IL 60174

630.524.0001

Must be 21 years old. 2 drink/food minimum purchase per person. Tickets can be ordered on line or by calling 630-524-0001. No passes, discounts or coupons on Saturday.

Spikes Corner-Winter Pet Care

by The Rullo Team

Brrrr… Spike Rullo here… Talking about Winter!

 

Winter is a time when your beloved fur babies need a little extra care. Here is a compiled list of tips to protect your pet from the dangers of winter.

 

If your pet spends most of the time in the backyard, you might want to keep them indoors during the freezing months, especially if you live in bitterly cold areas. No one wants an icicle for a pet -- they’re simply not that cuddly. But If you must keep your pet outdoors, consider this, your pet’s fur coat isn’t enough protection during winter. Provide your dog with a warm, dry and draft free shelter outside. The shelter should also comply with any state laws that apply.

 

It takes more energy to stay warm when it's cold so outdoor animals will eat more during the winter. Likewise, fresh, running water is vital for maintaining your pet's health. Keep an eye on the water bowls and make sure they haven’t turned into little skating rinks for fleas (boo, fleas!). While ice pops might be a fun treat, your pet really doesn’t want to have to lick a frozen lump of ice to get his water.Meanwhile, Indoor animals have different dietary needs. They conserve energy by sleeping more in the winter. Dogs and cats also exercise much less when they do go outside, so you may need to adjust their amount of food accordingly. After all, no one wants an overweight pet!

 

Frostbite is a serious problem during winter, especially for paws, tips of tails and ears. This makes it even more important in keeping your pet warm, especially if they’re an outdoor pet. Get special booties, coats, and maybe a hat for your pet during their walks. Look for early warning signs of frostbite such as firm, waxy skin and blisters.

 https://www.youtube.com/watch?v=etYwoEOdhD4

 

 

The worst of all the wintertime chemical spills is antifreeze, which often leaks from a car's radiator. It may taste delicious to your cats or dogs, but it is extremely deadly - even the smallest sip can be fatal! If your pet starts acting "drunk" or begins to convulse, take him to the vet immediately. Better yet, keep your pets away from the garage and clean up any accidental spillage. You should also not let your dog wander too far during his walks. Who knows what dangers lie in your neighbors' driveways?

 

If you live in an area with cold and icy winters then you are probably accustomed to salt on the sidewalks and roads. However, the types of salt (typically calcium or sodium chloride) used to melt ice and snow and keep it from refreezing are somewhat harsh on delicate paws -- not to mention they corrode concrete and damage the beautiful vegetation. Protect your pet's paws, and keep him warm during walks, by outfitting him with booties.

 

Cars are particularly attractive to animals in the winter-time, especially frigid cats that love to climb up under the hood and curl up on the warm motor. This, as you can imagine, has led to many mishaps when motorists start their car… ouch! Avoid such accidents by tapping your car's hood before starting the vehicle. Sure, you may wake Kitty from her deep slumber, but she'll thank you in the long run.

 

Wintering with your pet is mostly common sense. If you’re cold, your beloved pet will most likely be cold too. So snuggle up, keep your pet warm and safe and sooner than you can say "Jack Russell," we’ll all be hitting the beaches for some summertime fun.


If you are interested in more information about the benefits of home ownership in the Fox Valley Area please contact a real estate professional with the Rullo Team.

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The Rullo Team
RE/MAX Great American North
40W160 Campton Crossing Drive
St. Charles IL 60175
Phone: 630-513-1771
Mobile: 630-272-4310
Fax: 630-513-5308