Judy Levin
October 2021
Leelanau County Specialist

5 Things You Need to Know About Your Paycheck Stub
When lenders verify and validate information included in your mortgage loan application, with all due respect, they don’t simply take your word for it. While you may enter your monthly income on the application, they will use that amount initially to preapprove you but will eventually contact your employer directly to verify what you make each month. Part of that process also asks you to provide them with copies of your most recent paycheck stubs covering a 30 day period. In this way, lenders verify your monthly income used for a final approval. But your monthly income is only part of the validation process.
      The first of course is to look at the monthly gross pay for each month. If
Mortgage Rates
U.S. averages as of October 2021:

30 yr. fixed: 3.01%
15 yr. fixed: 2.28%
5/1 yr. adj: 2.48%

If you get paid on the 1st and 15th, lenders add those amounts together for use in qualifying. Note, this is the gross or ‘before withholding’ amount. If you get paid every other week,

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7 Signs It’s Time to Downsize
     Downsizing a home is almost inevitable for many older people. Once your children are out of the house, you don’t need and probably don’t want as much space as you once had. Downsizing can be smart financially and give you a new lease on life, but it can also be an emotional decision to leave your home behind.
      The following are seven signs that it might be time to consider downsizing, even if you’re a bit hesitant.
      1.) Your Neighborhood No Longer Suits Your Lifestyle The location of your home can be as important to your lifestyle as the features of the house itself. When you bought your home, maybe your neighborhood was filled with young children or was close to the best

Pulling Off Granny Chic Décor Style
     Granny chic décor style isn’t necessarily new, but it does remain incredibly popular right now. You probably never thought you’d be trying to make your house look like your grandma’s, but here we are. Sometimes also called grandmillennial, what this style is all about is combining old and new.
      It’s sometimes a tricky design style because it can be too overdone or not done enough.
      The following are some tips and things to know about this particular style of décor and interior design.
      The Core Features When you want a grandmillennial or granny chic home, think about that unique juxtaposition that can happen between old and new.
      Some of the things to remember are patterns, light, texture, and memories. That might mean stacks of old books, family photos or vacation photos in mismatched frames, or floral prints on the


 October 2021 Blog



Baia Estate Tasting Room Opens Inside The Union; Riverfront Pizza Becomes Part Of Recreation District; Paradise Cove’s Last Call For Fall Is Oct. 3

The Ticker - By Emily Tyra

Come with the Leelanau Ticker on a quick trip through the county for the latest food and beverage news (including a stop at the tiki bar, while you still can). First up, Northport: Eric Allchin of The Union and The Tribune tells the Leelanau Ticker that with licensing approved last week, he and business partner Chef Paul Carlson have officially teamed with Baia Estate vineyards to offer wine tastings at The Union. “We are currently working on structuring a wine club, tastings by appointment only, meal kits that include wine, and firing our suppers back up,” says Allchin. Baia Estate founders Michael Chetcuti and Kyle Evans share that finding a permanent spot in the village to sample and sell their wines was a priority because a significant portion of their vineyards at their 70+-acre Matheson Road estate are hitting maturity now. “Previously, because we vertically integrated the vineyard into our restaurant properties [in southeast Michigan], most of what we made we could sell to the restaurants,” says Evans. “But as these grapes are coming online, we are going to be making a LOT more wine — so we are ramping up our self-distribution downstate, and I would also like to ramp it up here.”
Allchin and team will run the tasting room. He notes that The Union is “a great multi-use space that can showcase multiple local businesses,” adding “this is an easy and natural partnership because Chet and Kyle both love and support Northport as much as we do.” The Union also partnered with Northport cheesemaker Idyll Farms, taking over the cheese tastings. Allchin also confirmed yesterday that The Union will continue their popular Wednesday jazz nights into the fall. “Jeff Haas is currently booking the musicians as we speak. We are very excited with how the night has grown and being able to bring live music back to Northport along with our food, and now wines.” Yesterday Tim and Sue Nichols, the owners of Riverfront Pizza & Specialties, announced that their beloved Glen Arbor eatery will become part of the Crystal River Outfitters Recreational District in October. They have operated their Crystal River destination for pizzas, homemade comfort food and desserts for nearly four decades. The couple shared on social media that they will stay in the area, noting “We have left our business in great hands and can’t wait to see the new and improved version.” The purchase was finalized at the beginning of July prior to the accident and fire at Crystal River Outfitters. Katy and Matt Wiesen, co-owners of Crystal River Outfitters Recreational District are in the midst of a rebuild of their main store. Katy Wiesen shares the rationale of purchasing Riverfront Pizza, which is located next door to Crystal River Outfitters: “Matt has worked for Crystal River Outfitters since he was 15 so he has been buying his lunch there almost every day for 25 years.
They have joked with us for years that we needed to be the ones to buy it. We offer the recreation side of things and of course people are always hungry after paddling or biking and looking for a place to grab a quick bite and socialize.” Wiesen adds, “Tim and Sue have an amazing following and have just been the best neighbors...and we are happy that we will be able to carry on their traditions come early October when we take official possession.” A large revamp will take place over the winter months with facade work and landscaping. The menu will get new touches but longtime fans can count on menu mainstays, including Sue’s cherry chicken salad and Tim’s famous shrimp Alfredo pizza. Due to the fire and rebuild, Crystal River Outfitters is closed for kayaking and canoeing the remainder of the season. The Wiesens’ other shops in the Recreation District — M-22, Coastal and The Cyclery — remain open year-round.
The Crystal River Outfitters main store will be offering kayaking again in May 2022 once the new building is complete, and Wiesen assures, “winter rentals will still 100 percent be available in the District.” The countdown is on to the last day of the season for Paradise Cove Bar & Grill, set for October 3. New owners Barb and Jerry Kleinfeld and son Todd Kleinfeld revealed their refresh of the Lake Leelanau bar, marina, and camping destination (formerly South End Tiki) Memorial Day weekend. Barb Kleinfeld says the biggest surprise in taking the helm was “the love and loyalty and just gratefulness we received from customers.” Todd Kleinfeld agrees: “This summer involved a lot of fixing, cleaning, and painting — and weather changes on a dime, that included the tent flying away like Mary Poppins — but it was all worth it when people said they loved the new look and new menu.”
Chef Mike Scanlon’s beachy bar food menu is getting one more big surprise reveal today (Sept. 10) — transforming the tiki bar into “a comfort food pop-up” for the remainder of the season. Patrons can expect their regular offerings plus five varieties of “grilled cheese in paradise,” a design-your-own mac and cheese bowl, and homemade fall soups including classic split pea and pumpkin-apple-bacon. The tiki drinks will segue into fall as well. At press time Kleinfeld was developing an “apple cider-raspberry mule” and other cool-weather cocktails which will debut today. Pictured: The Baia Estate and The Union teams at the launch of Baia's wine offerings at The Union in Northport.


Photo of the Month


Property of the Month



N Our Majestic Trail Suttons Bay, MI 49682
MLS #1832829 $52,900
Blue Water Overlook has magnificent one-acre parcels with stands of maple and oak in a trillium and morel hardwood forest with gorgeous views of the Bay. Southern exposure to bring light into your home. Closeness to Suttons Bay and reasonable taxes are a plus. NO DEED RESTRICTIONS, road maintenance agreement only. Parcels perked, underground electric, cable and telephone with finished road.
 Click here to view the full listing


Real Estate Update 



N Our Majestic Trail Suttons Bay, MI 49682
MLS #1832831 $59,900
Blue Water Overlook has magnificent one-acre parcels. Stands of maple and oak in a trillium and morel hardwood forest with gorgeous views of the Bay. Southern exposure to bring light into your home. Close to Suttons Bay & reasonable taxes a plus.
 Click here to view the full listing



6593 E Hillside Dr. Cedar, MI 49621
MLS#1891128 $165,000
The Hills are Alive… Welcome to Hillside Meadows. This is the last remaining lot in a beautiful development of estate sized parcels and fine custom homes in Leelanau County. Enjoy sweeping hilltop vistas with over 10 acres of rolling land, situated at the end of a peaceful road. Horses and outbuilding are permitted within this private development. Enjoy the best of both worlds in a location that feels secluded, yet is only a 10-minute drive from all
Click here to view the full listing


4617 State Park Highway Interlochen, MI 49643
MLS#1890810 $899,900
Stunning Panoramic Sunrise Views from this newer built, architecturally designed Duck Lake home. Hard sandy bottom, complete with 180 ft of vinyl dock, all ready for you to relax and play! Lots of outdoor living space, complete with four decks. With attention to the smallest details, this home features high end design throughout; lovely quartz counter tops, stainless steel appliances, luxury laminate composite floors, gorgeous fireplace and soaring open staircase. At over 2600 finished square feet, 4 bedrooms and 3.5 baths, there is plenty of room for all your friends and family. Main floor ensuite, with substantial walk-in closet; additional space and plumbing for a 2nd main floor laundry room if desired. Finished two car garage, three sheds and two outdoor storage benches for all the toys. Large natural gas-powered generator, Anderson windows and gutters with leaf shield are just a few of the additional amenities. Duck Lake is an “all sport” 1930 acre spring feed lake, great for boating and fishing, home to part of the word renowned Interlochen Center for the Arts campus, close to Interlochen Village, Traverse City and Cherry Capital Airport.
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N Our Majestic Trail Suttons Bay, MI 49682
MLS#1832832 $65,000
Blue Water Overlook has quality one-acre parcels. Stands of maple and oak in a trillium hardwood forest with views of the Bay. Southern exposure to bring light into your home. Close to Suttons Bay & reasonable taxes a plus. NO DEED RESTRICTIONS, Only Road maintenance agreement.
Click here to view the full listing


Recipe of the Month  

Air Fryer Apple Chips

3 large sweet, crisp apples, such as Honeycrisp, Fuji, Jazz, or Pink Lad
3/4 teaspoon ground cinnamon (optional)
a pinch of salt
Air Fryer Apple Chips Instructions
Step One: Start by thoroughly washing your apples. Apples from a farm are usually covered in pesticides. Apples at your grocery store almost always have a waxy coating you need to remove. Either way, don’t skip this step! When cutting the apples, you can either core them or you could leave the seeds in the apples. Either way works. Once they are washed and cored, use a mandolin or sharp knife to make rounds that are about 1/8 of an inch thick.
Step Two: Preheat your air fryer to 390 degrees F. If you are using both cinnamon and salt, mix them in a small bowl. Otherwise, rub the cinnamon into the apple slices and then arrange them on the bottom of the basket. Place only as many slices that it takes to form a single layer without overlapping the slices.
Step Three: Cook the apple slices for 8 minutes and flip halfway through the cooking time. If they are crisp enough to your liking, you can remove them from the fryer and repeat as needed for the remaining apples.
*If you want them to be crispier, add a small amount of time to the air fryer. We recommend only adding 1 minute at a time until the desired crisp level is reached.
From: The Belly Rules the Mind


Restaurant of The Month 

Main Street Leland
Open Friday Saturday 11:30 to 8:00
and Sunday 11:30 to 4:00
The lovely location on the Leland River is always a pleasure to dine there. I have enjoyed this family restaurant for 50 years. During Covid time all of the dining is on the tent covered patio and umbrella tables next to the river. I was just there with family and had a really good meal. Our favorites our whitefish and salmon. I had the traditional Bluebird style whitefish dinner, my daughter in law Lisa had the blackened salmon salad and my granddaughter Kat had the whitefish sandwich. Everyone was happy when finished and it was a delightful evening.
Here is the access to the Bluebird website.




Personalities of the Peninsula: The Many Talents of Beedoskah Stonefish

The Ticker - By Emily Tyra
Peshawbestown's Beedoskah Stonefish, a member of the Grand Traverse Band of Ottawa and Chippewa Indians, grew up steeped in the traditional Anishinaabe ways. Stonefish has been fancy shawl dancing since she could walk, and later traveled with her parents and siblings to compete in pow pows across the country. She was named head young female dancer at the famed Gathering of Nations Pow Wow in Albuquerque at age 12, and while a biology student at Michigan State, represented her home tribe in its Miss Indian World cultural pageant. She could be considered an ambassador for her generation and her tribe’s efforts toward cultural revitalization, but Stonefish says for her, “I dance for my own personal, mental and physical health — it is a lifestyle. And it definitely makes me feel more connected to my culture, to my ancestors, and Indian people in general.
It just feels like home.” So much so, she and her boyfriend Desmond Madera — of the Blackfeet and Colville tribes in the Pacific Northwest — met at a pow wow (just like her own parents, Walker Stonefish and Joyce Petoskey, did a few decades back). While dancing with the Delaware Nation in Manhattan, the young couple’s talents — and love story — were featured by ABC. Now new parents, they’ve just returned from a summer circuit of pow wows in Minnesota, Kansas, and Michigan, to introduce their son, Nojimo Makwa, to the culture. Stonefish shares their family recently held a tribal naming ceremony for him: “His name means healing bear.” Now Stonefish, who graduated with a Bachelor of Science degree from MSU in December, has set her sights on medical school, but is taking time first to serve her tribal community. Read on for more about her plans, her passions, and her deep pride in Peshawbestown.
Leelanau Ticker: So, it sounds like it’s family tradition to fall in love at a pow wow? Stonefish: Yes, though Desmond remembers the exact moment we met, but I do not [laughs]. At pow wows, Desmond both dances and sings; I am a fancy shawl dancer because my dad is a fancy dancer. The story behind the female fancy dancer is really rooted in feminism. Men’s fancy dance is a war dance — very masculine — the warriors did it and military veterans. [Stonefish’s father served in the Marine Corps.] A long time ago the women said, we can dance, we can be athletic, and we don’t have to sit on the side. Before, the women would carry their shawls on their arms. Now they put them on and dance with them. Leelanau Ticker: Were your ancestors also dancers? Stonefish: My father came across images of his grandmother and her sister photographed in jingle dresses, which is pretty amazing. Every tribe across the United States and Canada has pow wows in common — and the one thing the Anishinaabe contributed is the jingle dress.
The story is told a little differently across the Great Lakes region, but in every single community it was received as a healing dress. The jingles are cones rolled out of tobacco snuff lids, though our grandmothers made them with anything that could make noise, like deer toes. In our tobacco teachings, when our creator came and named everything, he also gave us tobacco…and it’s how we offer our prayers. So, the jingle dress represents tobacco and prayers and healing.
When there are 100 jingle dress dancers, you can feel it. Leelanau Ticker: Were all your siblings as passionate as you are about learning Anishinaabe traditions? Stonefish: My oldest brother is 12 years older than me. When he grew up it was definitely in a time that my community was doing a lot of youth work, and by the time my younger sister and I got to middle- and high school age Suttons Bay Schools started teaching Anishinaabemowin. It was awesome — that was my foreign language credit from 7th to 12th grade. Luckily, I grew up in a community that cares about revitalization, where I had access to whatever I needed as far as traditional medicines or ceremonies. I can’t say the same for my parents' generation, which was also the boarding school and residential school era. My parents didn’t go, but I think a lot of kids who had parents who did go, just because of the trauma they experienced there, they really don’t want their kids to do anything “Indian.” My Dad’s mom was influential in my traditional knowledge. Even through boarding school — which they called the Mush Hole — she still has the language. The part of culture that is most important to me and the most privileged thing I can have and pass on to my son are our traditional ways and our teachings on life, that ground us to every living thing and every person. This is entwined in our language. So, I want to keep learning and I want my son to learn too. Leelanau Ticker: You’ve just had a few big life moments; are you catching your breath, or thinking about what’s next? Stonefish: I am definitely in a new mom vibe, but also serving for AmeriCorp through OPEN-MSU and InterTribal Council of Michigan, based on early childhood education and opioid prevention for pregnant or breastfeeding moms. It gives me an opportunity I never had before to be out doing work in the community and solving problems. I’m in my first few weeks and still figuring out what kind of impact I want to make. I feel like with my background, we can use culture as prevention — the art, dancing, sewing, beadwork, singing, traditional foods. Leelanau Ticker: Because you grew up with all of that... Stonefish: Yes. And I am still growing up [laughs]. This is a result of my community and people who write grants to get all these resources to be able to have programs for youth. My older brothers’ and sister’s generation learned and then would teach us.
That was my older sister who just drove by — she is going to our community garden, and when she’s done working in the garden, she distributes the food to the community. Leelanau Ticker: What makes you proud to be from Peshawbestown? Stonefish: There are a lot of people who are doing some really big things. My cousin Alexarae Day, who is thriving as an artist, was just featured in Vogue, modeling for designer Lauren Good Day, who does both traditional clothing with full beadwork and native fashion designs. And [tribal member] Samantha TwoCrow shared that she is doing beadwork for a Netflix series coming up. She is someone from my brothers’ generation who helped teach me how to bead. I think the new age is embracing more diversity and wanting to hear more diverse stories. But people have always been doing really interesting things here from my perspective. All the way back. Pictured: Madera and Stonefish, by Alexarae Day; Stonefish and her son representing Leelanau Sands Casino & Lodge at the Cedar Polka Fest, by John Konkal


Real Estate Cartoon of the Month



Judy’s Movie Reviews





Kathryn Hepburn and John Wayne a great team in the twilight of their careers. This is a sequel of True Grit, where Wayne wore an eyepatch and was a crusty old US Marshall. In this sequel he  is saddled with an aging daughter of a minister who is  out to get her father’s killer with the help of the Marshall and a young Indian man.  They are a joy to behold in this movie.
4 out of 5 stars
 Click here to view the trailer



This is Michelle Pfeiffer’s weirdest movie. She plays a widow whose husband has been dead for 12 years and all the money is gone. She sells all of her possessions and wants to live out her life in Paris, France. She borrows a friend’s apartment and lives there with her son and her cat who she believes is the spirit of her dead husband. Very unusual storyline.
2.5 out of 5 stars
 Click here to view the trailer





A woman (Melissa McCarthy) begins adjusting to life after a loss, contends with a feisty bird that is all over her garden and a struggling husband. This is a feel-good movie.
3.5 out of 5 stars.
Click here to view the trailer




This is a family drama and story through the eyes of a complicated and compromised Chief of Police in a Pennsylvania rust belt town full of good people making bad choices. I really appreciate Jeff Daniels in his acting career and his life style. He brings so much insight into this role. 4 out of 5 stars.
Click here to view the trailer




Wild Mel Brooks comic spoof of the Frankenstein movies is a great classic comedy. A must see!  So much fun. Gene Wilder is at his best and so are the supporting cast. Please check out Blazing Saddles  That’s another film Brooks and Wilder are together in another superb comedy.
Click here to view trailer


Video of the Month   

A fall Tour of Leelanau County
By: Ed Ruttledge



Local Information

The City Opera House

The State Theater and The Bijou By the Bay

Old Town Playhouse

Leelanau County Farmers Market

Met Opera



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Judy Levin, CRS e-PRO
231- 218-7653
Coldwell Banker Schmidt
71 W. 4th Street
Suttons Bay, MI 49682

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