Container Vegetable & Fruit Gardening: This is the Perfect Year to Get Started


 Container Vegetable & Fruit Gardening:
This is the Perfect Year to Get Started



This Spring of 2020 seems like the perfect time to plan and start a vegetable or fruit garden ...


Providing yourself a ready-source of fresh vegetables and fruits meets the challenges currently found upon entering grocery stores (often poorly stocked) and dwindling local farmer's markets.  There's simply no comparison between the taste of fresh veggies and fruits and those that are days (or longer) old.  

There are health benefits to be found when eating your own homegrown vegetables too.  The vitamin content of freshly-picked organic vegetables is higher than most store counterparts.  And they are typically void of chemicals and sprays used by larger farms and growers.

It's friendly on your pocketbook too.  Fresh from your garden costs pennies on the dollar in comparison to store-bought.  

You don't have to have a large dedicated garden space in your backyard.  Those that live in apartments, rentals, condos and townhomes can grow fresh vegetables too.  

Container gardening makes that possible, as patios, balconies, even windowboxes can become a garden oasis.  A wide variety of vegetables and fruits can be grown using this method ... you just need to do a little research to find the best "fit" for the plants you choose, choose plants that grow best in your garden "zone", and use the right size container and potting mix to thrive.

What vegetables and fruits grow well in containers?  Here's a list:

  • Tomatoes
  • Onions
  • Peppers
  • Green Beans
  • Peas
  • Squash/Cantalope
  • Beets
  • Cucumbers
  • Eggplant
  • Spinach
  • Radishes
  • Carrots
  • Cabbage
  • Broccoli
  • Lettuce
  • Strawberries
  • Blueberries
  • Pineapple
  • Bananas
  • Watermelon
  • Fruit Trees (Lemon, Orange, Apple, Cherry, Pear, etc)





Herbs are also easily grown in containers.  Imagine being able to step out your door to snip freshly-grown dashes of flavor for your cooking.

Many herbs are natural mosquito and bug repellents.  So strategically place your herb containers to reap the natural benefit of the following plants:


Mosquito Repelling Herb Plants
  • Basil
  • Garlic
  • Lavender
  • Peppermint
  • Lemon Balm
  • Pennyroyal (often used in fish dishes)
  • Lemon thyme
  • Rosemary
  • Sage
  • Bay 
  • Dill
  • Chives
  • Parsley

The trick to reaping healthy yields of container vegetables is found in using the right container and soil, the correct amount of fertilizer, keeping plants watered correctly, and placing the container in the right location to receive the optimum amount of sun for the plant.  

Pairing multiple compatible plants in one container can also prove beneficial to producing a high yield of vegetables.  Planting tall climbing vegetables (such as peas, green beans, and tomatoes) with low growing compatible vegetables will save space and also eliminate the need for extensive weeding.  Got to love that!

To save even more money, common household items can be used to make a DIY plant fertilizer.  (Click HERE for a home-made Miracle Grow recipe).

Here's a list of those (acceptable) items commonly found in and around your home:

  • Coffee Grounds
  • Powdered Milk
  • Fruit and Vegetable Scraps (No meat scraps)
  • Gelatin
  • Bananas
  • Egg Shells
  • Aquarium Water
  • Cooking Water (Water used for cooking vegetables, eggs, pasta, potatoes can be used)
  • Epsom Salts
  • Tea (Green)
  • Lawn Clippings & Tree Branches
  • Hair (Human and animal)
  • Matches (Yep ... the magnesium is a huge benefit)
  • Wood Ash

The benefits of gardening go well beyond the final delicious outcome.  Physical and mental health benefits are reaped as well.

The moving, bending, digging, stretching, weeding ... all increase blood flow, flexibility, and strength.  (Just avoid sunburn!)  And brain functions are also improved.  Depression is eased.  Stress levels are lowered.  Moods are improved.

The contact with nature harvests much.  Right now may be the time to think about reconnecting with the basics of life.

So read ... plan ... get busy ... reap the benefits of your own personal vegetable or fruit container garden.  And, of course, have fun!





* Are you dreaming of buying or refinancing a home or Investment Property in New Lenox - Will County - Chicago - Chicagoland - IL/WI?  Somewhere to garden?
Contact me today! I'll put my 40 years of mortgage experience and expertise to work on your behalf.
I'm easily found at:




Gene Mundt

Mortgage Originator - NMLS #216987 - IL Lic. 031.0006220 - WI License #216987

American Portfolio Mortgage Corp.
NMLS #175656
Direct: 815.524.2280
Cell: 708.921.6331
eFax: 815.524.2281

  

 Twitter Account of Gene Mundt, Mortgage Lender   LinkedIn Account of Gene Mundt, Mortgage Lender   Facebook Acct. of Gene Mundt, Mortgage Lender   Pinterest Acct. of Gene Mundt, Mortgage Lender   
Gene's Chicagoland Blog/Gene Mundt, Mortgage Lender   

 

  

Gene Mundt, Mortgage Originator,  an Originator with 40+ years of #mortgage experience, will offer you exemplary mortgage service and advice when seeking:  #Conventional, #FHA, #VA, #Jumbo, #USDA, and Portfolio Loans in #Chicago and the greater Chicagoland region, including: 
 The #Lincoln-Way Area, #Will County, (#New Lenox, #Frankfort, #Mokena, 
#Manhattan, #Joliet, #Shorewood, #Crest Hill, #Plainfield, #Bolingbrook, #Channahon,
#Romeoville, #Elwood, #Lockport, #Naperville, #Wilmington, #Peotone, etc.), 
#DuPage County, the City of #Chicago, #Cook County, and elsewhere within IL & Wisconsin. 

Your Referrals & Testimonials are Always Greatly Appreciated!   





















Preparing For A Mortgage: Adopt a Winning Mindset


Preparing For A Mortgage: 
Adopt a Winning Mindset



Springtime means just one thing to countless millions of people like myself ... The Masters Golf Tournament ...

The delay of this year's 2020 tournament left golf fans with a void to fill until fall.  

But thankfully, last year's Master's final round was recently replayed to help relieve some of the "pain" we fans are feeling until that time.

CBS announcer, Jim Nantz held a running interview with the winner of last year's tournament, Tiger Woods, throughout the replay airing.  The additional insights he provided throughout the airing were extremely interesting and it made it great fun to watch.  

One particular comment made by Tiger Woods during this show stood out to me.  He spoke of the preparation, both mental and physical, that he made prior to the tournament ... and makes prior to every tournament.  

Some of his preparations are so religiously performed and are so ingrained in him that they are now done almost automatically and without conscious thought.  His body and mind just automatically react and "kick into gear". 

I've heard or read about other professionals expressing much the same.  Certainly, pro athletes such as Michael Jordan, Serena Williams, Usain Bolt, and Duncan Keith ... each outstanding in their chosen sport ... are all known for their extreme workouts and pre-season and pre-contest preparations.

And professional athletes are not alone in this mindset and dedication to preparation.  Professionals of all kinds do much the same.  It's ingrained and part of who they are.

It's just true.  Whether musician, entertainer, surgeon, or businessperson, etc., preparation and the right attitude is paramount to finding success.  And that same mindset and work ethic needs to be put into play by anyone considering a mortgage.  

Yet sadly, the following statistics and info are reported:

  • 64% of consumers lack knowledge when it comes to what they need to qualify to buy a home
  • Fewer than 1 in 4 consumers are aware that low down payment programs exist
  • Only 17% of consumers know the correct minimum down payment
  • A third of consumers surveyed thought credit scores needed to be higher than the FHA minimums
  • More consumers reported having seen their credit score recently, but close to half could not recall what it was


This is not the first time I've written of the importance and need for education and preparation when considering a mortgage to buy a home.  It's a topic I've felt so important that I continue to hammer away at it consistently.


So with that in mind   ...

  1. What is some of the info you should know and have at your disposal prior to applying for a mortgage?  
  2. What preparations should you make?

Consumers should know and be familiar with the following topics in order to secure the best financing for their needs:




Being ill-prepared for and poorly-informed about the mortgage process will, at minimum, make the process more challenging and stressful.  It will also increase the likelihood of it costing more.  No one wants that.

The decision to prepare or not prepare ... remains the responsibility of the borrower.  No one can prepare for them, just as no one else can prepare for any professional pursuing their goals.  Anyone hoping to finance a home should adopt this proactive mindset as they consider the purchase of a home.   

I'm more than happy to assist any borrower in pursuing the knowledge they need to buy, finance, or refinance a home.  Should you be considering the financing of a Chicagoland - IL - WI home or investment property, feel free to reach out to me today ... 



Contact me today! 


I'll put my 40 years of mortgage experience and expertise to work on your behalf.

I'm easily found at:


 
Gene Mundt

Mortgage Originator - NMLS #216987 - IL Lic. 031.0006220 - WI License #216987


American Portfolio Mortgage Corp.
NMLS #175656
 
 
 
Direct: 815.524.2280
Cell: 708.921.6331
eFax: 815.524.2281
 
 

  

 Twitter Account of Gene Mundt, Mortgage Lender   LinkedIn Account of Gene Mundt, Mortgage Lender   Facebook Acct. of Gene Mundt, Mortgage Lender   Pinterest Acct. of Gene Mundt, Mortgage Lender   
Gene's Chicagoland Blog/Gene Mundt, Mortgage Lender   

 

  



Gene Mundt, Mortgage Originator,  40+ years of #mortgage experience, will offer you exemplary mortgage service and advice when seeking:  #Conventional, #FHA, #VA, #Jumbo, #USDA, and Portfolio Loans in #Chicago and the greater Chicagoland region, including:  The #Lincoln-Way Area, #Will County, (#New Lenox, #Frankfort, #Mokena, #Manhattan, #Joliet, #Shorewood, #Crest Hill, #Plainfield, #Bolingbrook, #Romeoville,  #Lockport, #Naperville, #Wilmington, #Peotone, etc.), #DuPage County, the City of Chicago, #Cook County, and elsewhere within IL and Wisconsin. 

Your Referrals & Testimonials are Greatly Appreciated! 







Decluttering & Donating in the Age of COVID-19


Decluttering & Donating in the
Age of COVID-19


Millions of Americans have been ordered to stay at home during the COVID-19 crisis.  Many have taken some of their time while at home to clean, declutter, and organize their homes.


The process of doing so obviously minimizes the clutter that has accumulated within the home.  But the exercise of decluttering and organizing produces benefits that go way beyond those solely revolving around the removal of physical clutter itself.                                                                                                                                                                               It's been discovered by doctors and psychologists, that decluttering and organizing are beneficial in a myriad of ways ... physically, mentally, and spiritually.  Decluttering and organizing provide us an opportunity to exercise some control over our lives.  

It can also help us lower our anxiety levels.  And in this day and age, who doesn't welcome that?

But decluttering in the age of COVID-19 faces an extra challenge ... 
  • What do you do with all the no-longer-needed and unwanted items winnowed out during the organization process?  
  • Who is accepting donated items?
  • What items can be donated?
  • How can you donate?
  • More ...


In Chicagoland, as in many areas of the nation, charities and organizations that typically accept much-needed items are now closed as a result of COVID-19 worries.  Drop-offs and donations are not currently being accepted.

As a result, I performed some research and found that there are a few solutions available currently, but admittedly they are somewhat limited.  

Below you will find an infographic that provides some helpful information as to WHO, WHAT, and WHERE you can donate some of the items you have gathered together.   

This infographic also contains information and website info/links to websites for charities and organizations that are in need of supplies, equipment, foods, and monetary donations, as well.  


Chicagoland Options for Donation of Household Items, Supplies, Foods, and Monetary Assistance




If you wish to make a donation of items or money, please visit the websites of the charities/organizations themselves for further, more detailed information so you can give in the appropriate and proper manner.

Should some of your items not be needed or "donatable" at this time, please store them until a later date.  Bins or plastic bags that will keep the items safe and moisture-free are best suited for this type of storage.

We're all in this together ... whether in Chicagoland or elsewhere across the country or world.  Your efforts and donations are appreciated, both now and in the future.

Until this passes, please stay safe ... stay healthy ...




Gene Mundt

Mortgage Originator - NMLS #216987 - 
IL Lic. 031.0006220 - WI License #216987





American Portfolio Mortgage Corp.

NMLS #175656



Direct: 815.524.2280
Cell: 708.921.6331
eFax: 815.524.2281






Twitter Account of Gene Mundt, Mortgage Lender   LinkedIn Account of Gene Mundt, Mortgage Lender   Facebook Acct. of Gene Mundt, Mortgage Lender   Pinterest Acct. of Gene Mundt, Mortgage Lender 

     Gene's Chicagoland Blog/Gene Mundt, Mortgage Lender  


Gene Mundt, Mortgage Originator, an Originator with 40 years of mortgage experience, will offer you exemplary mortgage service and advice when seeking:  Conventional, FHA, VA, Jumbo, USDA, and Portfolio Loans in
Chicago and the greater Chicagoland region, including:
The Lincoln-Way Area, Will County, (#New Lenox, #Frankfort, #Mokena, #Manhattan, #Joliet, #Shorewood, #Lockport, #Crest Hill, #Plainfield, #Channahon, #Bolingbrook, #Romeoville, #Naperville, etc.), #DuPage County, the City of #Chicago, Cook County, 
and elsewhere within IL & WI.  

Your Referrals & Testimonials are Greatly Appreciated!



Update on Services: Chicagoland & Surrounding Northern IL County Offices


Update on Services:
Chicagoland & Surrounding 
Northern IL County Offices


The COVID-19 outbreak has presented many  challenges for all real estate professionals on many fronts ... 

One of those challenges has surrounded just WHO is still functioning and providing supportive services for transactions ... and under what circumstances they are providing them. 

That's certainly been the case here in Chicagoland and surrounding Northern Illinois counties. 

Knowing which counties have acclimated their services ... how they have acclimated them ... what county services are available ... and in what form they are available, is paramount to our completing real estate transactions with haste and accuracy.

To help all professionals servicing our Chicagoland and surrounding Northern Illinois area, Chicago Title Insurance Company put together a succinct infographic that details which county offices are open for business, what type of services they are offering, and when and how they are offering them, as of this writing (4/1/2020). 

This informative infographic is extremely helpful and I am grateful to Chicago Title for sharing it. 

I display the infographic from Chicago Title below:





Should you have questions or needs regarding county services, documentation, or more ... I suggest that you contact the Chicagoland and surrounding Northern Illinois county office in question directly for further information.

Best of Luck to all ... stay safe ... stay healthy!



* Are you dreaming of buying or refinancing a home or Investment Property in New Lenox - Will County - Chicago - Chicagoland - IL/WI?

Contact me today! I'll put my 40 years of mortgage experience and expertise to work on your behalf.
I'm easily found at:

 
Gene Mundt

Mortgage Originator - NMLS #216987 - IL Lic. 031.0006220 - WI License #216987


American Portfolio Mortgage Corp.
NMLS #175656
 
 
 
Direct: 815.524.2280
Cell: 708.921.6331
eFax: 815.524.2281
 
 

  

 Twitter Account of Gene Mundt, Mortgage Lender   LinkedIn Account of Gene Mundt, Mortgage Lender   Facebook Acct. of Gene Mundt, Mortgage Lender   Pinterest Acct. of Gene Mundt, Mortgage Lender   
Gene's Chicagoland Blog/Gene Mundt, Mortgage Lender   

 

  



Gene Mundt, Mortgage Originator,  40+ years of #mortgage experience, will offer you exemplary mortgage service and advice when seeking:  #Conventional, #FHA, #VA, #Jumbo, #USDA, and Portfolio Loans in #Chicago and the greater Chicagoland region, including:  The #Lincoln-Way Area, #Will County, (#New Lenox, #Frankfort, #Mokena, #Manhattan, #Joliet, #Shorewood, #Crest Hill, #Plainfield, #Bolingbrook, #Romeoville,  #Lockport, #Naperville, #Wilmington, #Peotone, etc.), #DuPage County, the City of Chicago, #Cook County, and elsewhere within IL and Wisconsin. 

Your Referrals & Testimonials are Always Greatly Appreciated! 

Procrastination Does Not Pay When You Hope to Finance a Home

  Procrastination Does Not Pay When  You Hope to Finance a Home   “If you want to make an easy job seem mighty hard, just keep putting off d...