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Are Multiple Loan Queries Always a Problem?
 A loan query as it relates to mortgages refers to the act of someone or some company that applies for a new loan. On its face there's nothing really derogatory about that. After all, consumers apply for new loans every day. Some might make an application but decide they didn't want the loan after all.
First, there are two basic types of loan queries- a hard query and a soft query. What's the difference? A hard query is a direct request by a consumer or a company to view a credit report. A soft query is one where a credit company, often a new credit card, runs a soft query when deciding whether or not they want to extend to you an offer for a new credit
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MORTGAGE RATES
U.S. averages as of October 2022:
30 yr. fixed: 6.7%
15 yr. fixed: 5.96%
5/1 yr. adj: 5.3%
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soft query won't bother credit scores whatsoever. But a hard query, or rather multiple queries, can. When someone begins shopping for a mortgage and makes an application,
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6 Boho Design Mistakes to Avoid
 Bohemian or boho interior design is one of the most popular aesthetics. This design style is characterized by rattan, soft rugs, cozy throws, unique textures, and a lot of organic elements, including greenery. The goal of boho style is something that feels inviting, low-key and laidback.
When you follow boho design principles, your space feels casual and like it’s lived-in. There are also eclectic elements.
While there’s no wrong way to decorate your home if you want to make it your own, there are some things you might want to avoid if your goal is boho design.
1. Going Overboard On Any One Material
Rattan is one of the natural materials often used in a bohemian design, as are
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How Can You Break a Lease Legally?
 Sometimes, people find themselves in situations where they need to break their lease. You can legally break a lease sometimes, but the situations where it is legal are pretty limited.
One reason you can break a lease legally is if the property is violating habitability standards. The law requires landlords to maintain a property in a “fit and habitable” condition. This means tenants need access to running water at all times, and trash bins must be provided. Landlords must perform repairs, follow health and safety codes, and clean common areas.
A tenant can file a health or safety complaint if these things aren't done.
If a formal complaint is required, an inspector visits the property to see if there’s any merit. The inspector will decide if the complaint is valid, and a landlord is sent a notice of violation. The landlord is then given a certain number of days within
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October 2022 Blog
Expansion Nears Completion At 9 Bean Rows, Chateau de Leelanau For Sale, More Fall Food & Bev Buzz
By Emily Tyra | The Ticker
A quick look at what’s cooking this fall in the county: 9 Bean Rows — the heart-of-the-peninsula culinary destination for just-picked veggies, artisan bread and croissants, plus weekend wood-fired pizzas — is nearing the finish line of its $400,000 renovation and addition which began late winter 2022. Owners Jen Welty (head baker) and Nic Welty (lead farmer) have added 2,000 square feet onto the existing café and bakery at their farmstead to create a more open and streamlined experience for customers, and to make room for a new state-of-the-art, wood-fired clay convection oven built on-site by Spanish artisans from Hornos Ipsor Barcelona.
The Weltys have done much of the construction themselves, using cash on hand and a $100,000 loan from Don Coe, “one of our ardent supporters (and my personal hero),” says Jen Welty. “We were also helped out with a bridge loan from Venture North that was paid off last month.” The business has been open through construction. “Hats off to every single person staff member, customer or construction worker that has endured the chaos,” she says. 9 Bean Rows fans can anticipate more of what they love in the market space, including gourmet take-away dinners, an expanded produce selection, and retail products. Additionally, says Jen Welty, there will be a bar centered in front of the new oven where eventually (after the Weltys secure a winery license) customers can grab a glass of wine while they watch the bread being pulled from the oven. “We will have a very small tasting room not only for wine but for other in-house specialties, like sauerkraut, or jam, dried spices, or mustard…whatever we are growing/cooking with,” she adds. The front-of-house addition has passed inspection; the back-of-the-house space is still under construction, awaiting a custom chimney to be delivered. “We are hoping to have the entire space finished by mid-December but the oven up and running sooner,” says Jen Welty.
The new oven, a $150,000 investment, is a 12-foot round masonry and steel masterpiece that is wood fired “indirectly from beneath the hearth so no ashes are in the baking chamber,” she says. “It was extremely important for us to ditch the fossil fuels and go with wood. All the wood will be sourced from the hardwoods on our farm.” The new oven “will really allow us to hone our bread making craft and show off our skills. We’ve been using a defunct oven for so long now, coaxing loaf after loaf out of a falling apart piece of equipment that using the new oven will be like driving a Ferrari as opposed to driving a rusty old Datsun,” she laughs. In the meantime, it’s looking like fall on the 9 Bean Rows farm, especially with Nic’s passion project: His now-famous behemoth pumpkins currently reaching the largest sizes he’s ever cultivated. Says Jen: “We invite people to enjoy weekends on the farm and to wander among the rows of veggies, grab a peck of apples, grab a pumpkin (or an extremely large one if you are strong enough) and see what pastries chef Trish has in store.” Nic Welty says they are making farmstead improvements to support more traffic through the market and café, including building farm worker housing — tiny houses which will be behind the forested ridge on the property. Also, “We are in the process of adding more outbuildings for farm activities, such as egg cleaning, potting sheds, green houses, u-pick station for apples and berries.”
More delicious change-of-season news: The peninsula’s hard cider makers have juicy new releases for fall, among them Sumac Cider from Suttons Bay Ciders, Strawberry Jam from Tandem Ciders and Russet Cider from Two K Farms. More here. Also in the wave of incoming seasonal libations: Hop Lot’s two new varieties of Marzen-style Oktoberfest lagers; a surprisingly crisp pumpkin ale called Smash Face; and a wet-hopped Harvest Ale IPA, brewed with four varieties of whole cone wet hops sourced from Michigan Hop Alliance just up the road in Omena. Farm Club is also announcing its fall menu shift in coming days (i.e. a Thai curry with farm-grown lemongrass) and inviting the public to its second annual chile pepper roasting and corn shelling party. The free event — Saturday Oct. 1 at noon — is billed as a locals’ “hoedown” and “a taste of the Americas.” The farmers and chefs will have special limited menu that day with New Mexican potato green chili with cornbread made from Loma-grown and milled field corn, grilled cheese on masa sourdough with green chiles, and a fall harvest heirloom tomato soup. The long-established Chateau de Leelanau commercial winery is for sale for $1,900,000.
Lorri Schreiber, associate broker with Keller Williams Northern Michigan, shares that the sale includes 20 picturesque acres, a wine production facility and a potential tasting room, and includes farmland that could be leased to nearby vineyards. The turnkey business includes two brands: Chateau de Leelanau wines and Tractor Pull Hard Cider. Those businesses are temporary closed as the owner has relocated out of state. “The wine production facility is on Kolarik Road,” she says, with the property currently housing a “cool building that could easily convert to a tasting room. When they were open, they rented a space open M-22 for the tasting room.” This week (Thursday, Sept. 29-Saturday, Oct. 1) will be the last chance until spring to nab Hannah’s from-scratch, warm pretzels, jewellike macarons, and decadent cinnamon rolls in the bakery space in Lake Leelanau. Owner/baker Hannah Grinage announced that “due to unforeseen circumstances, after October 1st I will taking a break from retail sales until spring.” Grinage is still baking, however. “I will continue to partner with Hansen Foods, the Leland Mercantile, Cedar River Coffee, and Northern Latitudes Suttons Bay, and Barb’s Bakery in Northport” this winter. She noted on social media, “I am sorry we are unable to stay open year-round this year...but it isn't a forever choice, just a for-now choice. Thank you so much for your continued support of my small business, it means the world to me.”
Photo of the Month
MY NEW GRAY SQUIRREL BUTCH IS EATING SUNFLOWER SEEDS IN AWESOME AMOUNTS THAT MEANS ITS GOING TO BE A COLD LEELANAU WINTER!!
Property of the Month
 4265 N Lake Leelanau Drive Lake Leelanau, MI 49653 MLS #1905116 $1,900,000 Situated on world-class North Lake Leelanau, on the road less traveled side, this year-round charmer, family owned since construction, enjoys a colorful light display from sunrise to sunset, beautifully clear water, a summer breeze and inspiring views from within. The original section (1972) has warm wood finishes and custom features, including a gas fireplace in the living room. In 2000 a new kitchen, dining, family room, primary bedroom and walk-out level additions were completed by Easling Construction. A full length lake side deck offers marvelous views in all directions. On the walk out level is an entertainment room, 3 guest bedrooms, a full bath, laundry room and doors leading to a spacious lake side deck and the dock. Outdoor features include a pirates platform and a sandy gradual slope from the waters’ edge to deep water. A pond surrounded by greenery provides a buffer from the road. Ample parking in front of the 2-car garage (1980); above which is flexible unheated space for an office, studio or storage. The adjoining parcels add expansive green space to both sides of this home—a waterfront park to the north, and land with no structure to the south. The north lake is known for its water sports—classic wood boats, ski boats, pontoons, kayaks, wind surfers and ice boats; it has the best inland lake fishing too. This wonderful home is located on the less traveled side of N Lake Leelanau, south of Houdek Creek, and equidistant to Leland, Lake Leelanau and Suttons Bay. Improvements include exterior staining, 4-feet was added to the waterside deck, new carpeting in living room and stairway installed in 2021. New gas logs and a glass fireplace door were installed in 2020. Water resistant flooring installed on the lower level hall, new water heater, wood walkway on roadside and north side in 2019. Steel roof installed on the house in 2015; garage roof was new in 2007. New large capacity washer and dryer installed in 2016. Above the garage awning & windows 2011.Click Here to View the Full Listing
Real Estate Update
SOLD
14827 N Cathead Bay Drive Northport
$1,288,000.00
MLS#1903950
Lake Michigan direct 100 ft of sugar sand frontage adorable chalet cottage Exquisite wooded setting for this traditional Leelanau chalet cottage on protected Lighthouse Cove, a 100ft of sandy Lake Michigan shore. A wall of windows from your multi-level decking overlooks dunes with a gorgeous view of Cathead Point to the South and out to North and South Fox Islands. With a full wall of windows, you will enjoy watching the boats and freighters sailing the Great Lakes. So much has been updated, but sellers loved keeping it in the Leelanau cottage style. Since it is a turn key sale, just bring your clothes and personal effects. So much character with rough hewn cedar interior, beamed ceilings, tongue and grove peg wood floors, each level has a wood burning fireplace, custom crafted door handles and new metal roofs on cottage and bunkhouse. Walkout lower level is fully finished with family room, bedroom, bath with laundry and hot tub on deck. The cottage has total of 4 bedrooms, 2 baths, 1667 square feet, 1/2 acre and sleeps 15. Three bedrooms out of 4 are non-conforming since they do not have closets. Please check associated documents to review the long list of major improvements since 2018. Living near Northport is something you will love. This is a special Leelanau Lake Michigan cottage.
Click Here to View the Listing
Restaurant of The Month
Photo by Zomato
RARE BIRD BREW PUB
229 LAKE AVE. OFF CASS ROAD TRAVERSE CITY
OPEN NOON TO 10 DAILY
PHONE 231-943-2053
info@rarebirdbrewpub.com
Today was Ramen Thursday. During Fall and Winter on Thursday only, Rare Bird does Ramen Bowl. The broth is rich and smooth. The Pork Belly perfectly cooked. The bowl includes boiled egg, sliced radishes, sweet shiitake mushrooms, noodles, bean sprouts and fried stuffed wontons on the side. Includes containers of soy and hot chili. I loved it!! The menu is creative with lots of interesting choices. If you haven’t been there, please make it your business to give it a try.
Recipe of the Month
MY PERSONAL ROAST BEEF BRISKET RECIPE
I usually buy a 3.5-pound brisket. Preheat your oven to 350 degrees. Put your brisket in a large Le Creuset type of Dutch Oven. Take one bag of Lipton Onion soup and sprinkle on top of the beef. Then slice 2 yellow onions and 5 smashed garlic cloves, put on top of the beef. Pour 2- 12 oz cans of beer (your choice) on top, cover and put in middle of oven for 30 minutes at 350 degrees then turn it down to 275 degrees. I cooked it for 5 hours and it was perfect. Other than the first 30 minutes you roast it AT 275 DEGREES FOR 30 MINUTES PER POUND. Test it with a fork as you get closer to finish. When tender set it on the top of the stove, keep it in the gravy and let it cool to warm temperature, then put it in the refrigerator until cold. When I want to get it cold fast I put it in the freezer and watch it. When cold take it out and slice it thin. You can thicken the gravy then or leave it as a beef broth. Put the sliced beef back in the gravy. I always serve it the next day and put a portion in the freezer for serving another time. If you follow my directions this is a full proof recipe. My daughter Lori Helene said she never could get her brisket tender until she tried my recipe. Hope you enjoy it.
Tales From The Crib: A U.S. Coastguardsman Shares What It's Like To Live At An Offshore Light
By Emily Tyra | The TickerThe North Manitou Light Keepers offered trips to Lake Michigan's iconic offshore lighthouse The Crib this summer with a very special tour guide on board: retired U.S. Coastguardsman Coby Thenikl. The Lake Ann resident and 1970 graduate of Suttons Bay High School rode along on the boat to the light and shared glimpses into his own wild ride on deck there for two shipping seasons. (There are stories that he just may have cruised a motorcycle around the perimeter…) Before 1980 — the year the United States Coast Guard automated the North Manitou Shoal Light Station (aka The Crib) — personnel were stationed there on a three-week rotation: two weeks on and one week off. Thenikl was among those who served. What is it like to live on an offshore light? He tells the Leelanau Ticker that after his first duty out of boot camp at Governors Island in New York Harbor, “it was a vacation.” But by the second year, “the walls starting coming in.” He and two other crew members at a time arrived in April to open it up and stayed until the end of the shipping season in November. The lighthouse was — and is — nicknamed “The Crib” because its foundation stands on a wood crib constructed in Empire, filled with boulders and timbers and sunk to the lake floor. “We were the last manned lighthouse in the Great Lakes,” he notes. Thenikl leftThe Crib in 1978, heading to St. Ignace, then Apostle Islands in Lake Superior, and other Coast Guard stations around the country. Once mothballed in the 1980s, the steel lighthouse stood operational but vacant, succumbing to benign neglect (and lots of bird droppings) over the next 40 years. In 2016 it was deemed excess property by the federal government and bid on at auction by the North Manitou Light Keepers (NMLK) which wants to restore it. The structure itself — completed in 1935 to mark a shallow shoal for vessels passing through the Manitou Passage — is now owned by the nonprofit NMLK, but the Coast Guard still maintains the equipment that aids navigation today. And behind the scenes at the lighthouse is a remarkable story of its rehabilitation by its new stewards. Thenikl tells the Leelanau Ticker he’s thrilled to see it gleaming again with a fresh exterior paint job (especially after countless hours he himself spent painting and maintaining it) and he’s equally happy that the interior will also be restored to its 1935 glory. When he lived there in the late 70s, the living quarters were relatively unchanged from that era, he says, down to the retro eat-in kitchen, radio room, and the “institutional green” his bedroom was painted. Also big news: The Crib’s sea doors, which were welded shut by the Coast Guard in 1980 are now able to be opened. And NMLK is moving forward with its next goal: offering overnight stays. Thenikl says living on a sentinel soaring 66 feet in the middle of the lake means experiencing both “beautiful sunrises and beautiful sunsets…and heavy seas.There were 20-foot seas that would hit the lighthouse hard enough you would feel the lighthouse vibrate.” Once the foghorn ran “for five days straight” and in November, “when ice starts to form on the lighthouse, you’d have to be really careful going outside.” There was never a rescue in his time, but “we were prepared to.” In addition to maintaining the light, sending weather reports to Charlevoix, and keeping watch on the Manitou Passage, there were long stretches to fill. “Everyone took a turn with meals…we’d make a cake or a pie and we had a freezer full of steak.” Thenikl passed the time building a motorcycle. “We would go to South Manitou Island to fish, and we played a lot of pool.” Their original pool table — “competition sized, and we used to set up a ping pong table on top of it” — was found in a home in Leland, then moved to an art studio and now is waiting in storage in Cedar. “It will eventually be returned here,” he says. There was a TV, too, with iffy reception. “We were into All My Children,” he laughs. He took occasional trips to the mainland: “We would go to Leland to the grocery store and post office and sometimes we’d go to the Bluebird,” but for the most part the crew depended on the Grosvenor family of the Manitou Island Transit to ferry mail or sundry items to the light. These days it is Manitou Passage Boat Tours and their boat Bear that makes the trek, partnering with NMLK to transport tourgoers to The Crib.Captain Geoff Niessink, also assistant chief at Leland Township Fire and Rescue, explains that he and Captain Jimmy Muñoz are partners in operating Bear for trips and tours in the Manitou Passage. “Bear primarily does the tours to The Crib but also has been taking people to the lighthouse on South Fox. There is a restoration project going on over there as well.” On one of Niessink's trips to The Crib this summer with Thenikl on board, they had a surprise visit from four Coast Guard personnel who were out on patrol as part of the law enforcement/search and rescue division. “They had come from Frankfort,” Niessink says. “They all seemed very impressed with The Crib and excited that it was being restored. They advised that others at their stations would be jealous that they got a tour and suspected that we may see other Coast Guard visitors stopping by when they are in the neighborhood.” Regular tours to the light will continue in 2023, as will a series of ambitious restorations. Follow the progress on North Manitou Light Keepers (NMLK) Facebook and Instagram. Check out more photos with Thenikl inside The Crib and the U.S. Coast Guard's visit to the light on Leelanau Ticker’s Facebook page. Pictured: U.S. Coastguardsman Coby Thenikl, Retd.
CARTOON OF THE MONTH
By: Realty Times
Judy’s Movie Reviews
NETFLIX
FATHER STU
God needed a fighter and he found it. Father Stu stars Mark Wahlberg and Mel Gibson. This is based on a true life story of a boxer turned priest. Father Stuart Long went from self destruction to redemption and inspired many different kinds of people including his father played by Mel Gibson. No matter what religion you are this is really uplifting. We all need a good story like this one. 3.5 stars out of 5.
Click Here to View the Trailer
A JAZZMAN’S BLUES
Written, directed and produced by Tyler Perry. He has always done films about a tough, strong female character, Madea. He has made a whole career doing these films and built a huge studio in Georgia to produce all of these films. I have never seen any of his work until this month. Netflix and Perry put together an interesting and thought- provoking film about forbidden love, 40 years of secrets and lies. Perry wrote this script 27 years ago. This is a film worth seeing. There is lots of juke joint blues music from the deep south. It is packed with emotion and grand themes. 4 out of 5 stars
Click Here to View the Trailer
MARILYN
There is fact and fiction in this Joyce Carol Oates book based film about Norma Jean Baker, the real Marilyn and Marilyn Monroe the fabulous movie star. I thought Marilyn was a gorgeous, incandescent, woman and an excellent actress. Her family history dramatically colored her life and made her life more difficult than it should have been. I think Ana de Armes will win the Academy Award for Best Actress. 4.5 out of 5 stars
Click Here to View the Trailer
ALL THREE OF THESE MOVIES ARE REALLY WORTH SEEING!!!!
Video of the Month
Traverse City Bayshore Marathon | 2022 Highlights
This year, the Traverse City Bayshore Marathon celebrated a 40th anniversary! The weather was spectacular, the course was incredible and the racers crushed it! Here are this year's highlights.
Click Here to View the Video
Video by @TraverseCityTourism
Local Information
The City Opera House
The State Theater and The Bijou By the Bay
Old Town Playhouse
Leelanau County Farmers Market
Met Opera
Cherry Capital Airport guide
Daily News and Advice
Read about the events shaping the Real Estate market today, find current interest rates, or browse the extensive library of advice and how-to articles written by some of the top experts in Real Estate. Updated each weekday.
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