Happy New Year to you!  I hope your holidays were fantastic, with loved ones, and that your year ended on a high note.  I was lucky to escape the "big Chicago freeze" while enjoying a family holiday in California, and it definitely sounded like the cold snap was well.... pretty crazy!  But, we are here now in January, back to our resolutions, plans and work.  

For 2023, I've been thinking a lot about the market, what it's done this past two years, and where it's going - and the experts at Bankrate.com and others are saying that rates in the 5's are here to stay.  So, what does this mean for your plans to buy or sell, upgrade or downsize, or even to refinance?  Well - you're in luck if you want to buy, as the continued high numbers are causing a lot of people to pull out of the market and "hold" so competition is far less than it was this time last year.  

And REMEMBER:   it's better to buy a property at a higher mortgage rate now, than to OVERPAY for that same property in times of high competition with a lower rate.  Your payment is STILL lower.  Try not to worry so much about mortgage rates - they are but one component of the deal, and you can "buy a rate down" to get it lowered.  I can help you navigate all of it - Just ask me!

So in today's words... rates in the 5's also tell us that even small hikes in the numbers can make things more expensive, and the real time for "when is the best time to buy" was actually a few years ago during Covid, when most of us were reeling with a lot of uncertainty in the world.  THUS, the best laid plans are ultimately what's best for you in the here and now:

• If you need more space, you can find it.  There is plenty of inventory that is affordable on your CURRENT budget.  It just may not be brand new or already rehabbed.  You can make the home of your dreams if you set your mind do it.

• If you need less space, you have to arrive at the party understanding that buyers have higher loan costs, so their temperament for properties that need work or have inspection issues is going to have to compete now for their higher loan costs.  Sellers have to be prepared to give a bit to get a bit.  BOTH sides have to negotiate, and another buyer is NOT always around the corner.  Try to see the bird in hand as better than two in the bush.

• IF you want to rent, your realtor can still help you.  You can sell a place and then rent for a bit to maximize your options, OR you can rent a bit before you buy, to make reaching your goal a better ride on your terms.  

• If refinancing is needed, then your realtor and mortgage professional can definitely help you to make a plan.  The COSTS of refinancing must be taken into consideration and refinancing is only a good idea right this second, if your rate is well over 7% or you want to get out of a shorter term loan (like a 15 year) to get to a 30 year to lower your payment.  I can help you sound all of this out.

Rates this year are likely to hold in the high 5-6% range and I am not hearing anything yet about anything less than 5's.  THUS if you see a rate in 3, 4 or low 5%, it's a GOOD rate for the times, and you have to spring into action.  For now, there will be ups and downs, but the amazing rates of 2020 and 2021 are gone at this point.  Just remember that in a historical view, rates well over 10% were perfectly normal and no one freaked out.  What goes up WILL come down.  

IN THE MEANTIME though, if you want to look at a new home, just text me at 312-720-0082!  I will be happy to meet you and to grab coffee, tour some places, and chat with you about making your plans a reality.  I have lowered my sales commissions, so if you need to sell and want a reliable and trustworthy advocate for selling your home, I will do it on a discounted rate from previous years.  I want to earn your business and your trust!  

Do you have questions?  Call me, email or text any time!  I remain at your service, and I wish you and yours, a fantastic New Year.  

All the best,

Alisa Levin, JD, LLM

T: 312-720-0082

E: alisa@fultongrace.com  or  agencyrechicago@gmail.com

Fulton Grace Realty

We've all been feeling it, seeing it and hearing it... HIGH RATES have got our spirits, well... in the dump!  And anyone who refinanced or purchased a home during The Covid, well, they know that 2.5% is really a fantastic rate, and YES, they were smart to buy or refinance then.  But never fear my Real Estate Friends.... because any time you can earn equity, own an appreciating asset, or use your money wisely (and by wisely, I mean, keeping it in a performing category, not like with Venmo), then you are winning - even when it might cost more this year.

Let's examine the thought process of most people in most places:  They are doing their thing, getting their kids, going to their jobs, and landing at their homes every week.  Everything feels kinda "meh."  They want something different, more exciting, something to brag about - something worthy to post on Facebook about their successes.... We get it!  BUT when they get down to brass tacks, the process of buying, selling and moving, is well - too much to possibly even consider.  OR, they are considering it, but then they consider the reasons not to.  And by the time it's all said and done, they got off Facebook, went to work, and forgot all about it, until the next time some internet post of the Jones's popped up - to remind them that some people are moving, shaking, and embracing change...

So, why can't we?  The ANSWER my friends, is that you CAN, if you want to.  You CAN have good credit.  You CAN get a new home.  You CAN have a gold toilet or a wi-fi touch-screen refrigerator.  You CAN.  I'm here to be your YES PERSON, your PLAN PERSON, your I'll take you to see a gold toilet or a touch-screen fridge, in person.  

BUT:  we need a plan.  We always need a plan, and a way, and a method, and a voice of reason, to get us there in a smart way, a reasonable way... a way that our auntie or our friends won't do that eyebrow thing at dinner that really says "oh gurl, you a fool... "  So?  How do we get there?  We sit down and we talk.  You get informed, you examine the numbers, and your needs and your wants, and then we look at the rates now vs. the rates of some other time, and some predictors of where rates will go.  You examine when the best time to jump, is when you are excited and prepared and ready - which you CAN BE, if you want to be.  You need a lender?  I have some.  You need a mortgage calculator to know your payment - no problem.  Check. 

Rates?  Well they make some people cringe.  Except, if you ask your parents or some random old person, they will smirk and tell you that they had a mortgage at 15% and they were happy creatures, just to have a home they loved and grass they could cut.  WE, as a SOCIETY, must remember that what goes up, goes down.  Remember that 6% now, was 12% some other time, and both higher and lower in yet some other time.  We, my friends, are just in this interesting, trying-to-get-away-from-Covid-time, where we cannot decide if working in our pajamas makes us feel smart or lame, or if we ever want to go out to dinner again, and if we really like our friends, our homes, and our lives.  

BUT!  I implore you to see it:  WE have been given a gift of perspective in the last few years.  

Although we never asked for perspective, it helps to see it.  Rates are more or less ok.  Yes, you might pay $100 more a month for a mortgage.  SO buy $100 a month less home.  Your dream home is on that block?  Well ask your realtor to take you that block and find a cheaper home that you could fix up, and make it the dream home.  Or live a block further out.  Or, check out a new suburb.  A ten minute extra drive may be worth it.  If you would only check things out!  There are many ways to make the shoe fit, and with some creativity, some perspective, and some good old fashioned real estate smarts, you might even find that your guide (er.. ME!) can get you a down payment assistance program, a grant, or a credit from the seller - all to help you smile, feel happy, and post that new home update on your feed.

We all want to be excited.  

How about finding home - together?

 If you have interest, I will make it fun.  If you have questions, I will get them answered.  If you want more, I am a purveyor of MORE.  Let's do it.  Try not to cry about the numbers.  Things can get worked out, I swear it.

Need me?  I'm just a text away!  

xo,

Alisa

Looking for Home Buyer Programs?  We Have Them!

It's the Covid, and winter is coming, and people are worried about our November this year - with all that may change in our world as we know it ... again.  But as things often change, they also stay the same!  People still move! People still have babies and outgrow their homes!  Babies grow up and have to leave the nest!  And people pass.  It's our cycle of live, and all of the "funk" that has us tuned to our news channels these days, well, it's not going to change ANY of that!  So for some news you can use on this slightly cloudy Tuesday in October, I'd like to pass along some tried and true program information, that we can help you with (on top of finding a really great property!).  Let's examine...

IDHA MORTGAGE

You've heard of it, but perhaps you are unsure how it works.  So let's look!  The Illinois Housing Development Authority offers a bunch of mortgage and downpayment assistance programs for Illinois buyers!  Here are a few:

• Access Forgiveable:  Up to $6000 in down payment assistance
• Access Deferred:  Up to $7500 in down payment assistance
• Access Repayable:  Up to $10,000 in down payment assistance
• 1st Home of Illinois:  Available to first-time home buyers in Cook Marion, St. Claire and Winnebago counties only (buyers get $7500 in down payment assistance)

www.idhamortgage.org

FINALLY HOME PROGRAM

This program, offered by the Illinois State Treasurer, helps Illinois buyers who might not qualify for a traditional loan purchase under "conventional" standards, and also refinancing owners!  This program guarantees up to 10% of a qualifying loan!

www.illinoistreasurer.gov/individuals/finally_home

HOME READY MORTGAGE

Fannie Mae offers a mortgage with a 3% down payment (very similar to FHA), for low-income, first-time and repeat buyers.  They are able to consider additional income sources and co-borrowers, who do NOT have to live in the home (this is called a "non-occupying co-borrower").

www.KnowYourOptions.com/HomeReady

HOME POSSIBLE MORTGAGE

Freddie Mac (that's Fannie Mae's little sister!) offers a slightly different version of the 3% down payment - which is open to  very low income borrowers who are first-time or repeat buyers.  A credit score is not necessary and the source of the down payment is flexible.  

bit.ly/FM_HomePossibleMortgage

HOMEONE MORTGAGE

Freddie Mac again - offers a first-time buyer solution with 3% down and maximum financing allowed without any geographic borders/requirements or income limits for borrowers.

bit.ly/HomeOneMortgage

_____________________

So! Do you think any of these seem interesting?  I can help you find a place to consider, a loan to examine, and a home to move into - all we need is your readiness to have some fun, grab your fall/winter gear and get ready!  I remain at your service, with all of this, and more.

Have a great Tuesday and rest of your week!  

xo,

Alisa

Are You Ready To See Some Real Estate?  Get Your Fresh Air Game On and Let's GO!

The Covid has made us all feel trapped, kept us from shedding our winterish skin, and in general, made us all well more than cranky.  Now that Spring has Sprung, and we're in the "new Phase 3" of the pandemic, it's safe to emerge from your homes, get some fresh air and a ice-latte, and let's go see some houses!

Aren't sure where to start?  Well, call me!  I will help stoke the fire of real estate love and get you going with some ideas for how you can spice up your weekends, with some showings or open houses, and I'll throw you a great recipe for some fantastic weekend brunch ideas!  In fact, I'm hosting a few opens this weekend, and the only rules are that we are observing the following:

• Face Coverings

• Social Distancing where feasible

• Limit of 10 people per property

• Rented or occupied real estate requires express owner or tenant permission

If you think about it - that's not so bad at all!  But if you need to move, enlarge your space, or downsize, now is the perfect time to evaluate your needs, especially after being trapped at home for weeks on end!  I remain here to help you narrow down best choices, get yourself ready to move, and into a new space.

Ready to chat?  Call me any time!

Alisa Levin

312.720.0082

E: agencyrechicago@gmail.com

W: bronzevilleproperty.com    /   agencyrechicago.com

Real Estate in the Time of the Covid.....  

What to Do?  Let's Make Some Money

It sounds like the name of a catchy novel, but it's my life - and perhaps yours?  At a point in our world when everything seems topsy-turvy, we tend to want to stay still, find what foundation we can, and stay put.  That's sound advice, and makes a ton of sense.  But I will say this - if I didn't think we'd recover fully and have a more robust economy after this worldwide "shift" then I'd be a sad bunny with no purpose.

And... it behooves me to tell you - I am NO SAD BUNNY!  We are all going to be ok.  But in the meantime, it's ok to horde your TP and cans of tuna (or if you are like me, canned chicken - and Menards has some really good canned chicken in buffalo sauce that is actually quite good).... and then when you are more relaxed, caught up with your Netflix and cleaning, we can consider getting down to business.  Here is a tip I was thinking of yesterday - that honestly could be great for your bottom line!

Got Some Money In Savings?  Transfer To a High-Yield Savings (You'll Make A LOT More Money)

Ever heard of a high-yield savings?  They are not new, but their popularity has surged in recent years.   If you think about it, it's free to make such a change, and you are likely to earn a ton more interest.  There's truly no downside.  Here's all you need to do.  

• https://www.depositaccounts.com
• https://www.nerdwallet.com/best/banking/high-yield-online-savings-accounts

Looks to me - like the best rates are in the range of 1.7-1.8% if you look around!   THat's WAY MORE money than your bank pays, so if you are inclined to keep your bucks in a bank, then definitely consider finding something that pays you better.

Once you find something that you like, then you simply open up an account, link your regular bank account to facilitate transfers, and then you move the money into the account.  

Need any additional information?  Just let me know.  I can do virtual showings, get you connected with mortgage professionals, and more.  

Be well.

XO,

Alisa

2 - All of The Other Buyers Are HOME!  Because.  Winter.

4 - Motivated Sellers 

Buying A House?  Prepare Your Checkbook!

When buying a home, it seems obvious that you'll be spending some money, right?  But many people do not realize that it actually takes CASH, to close a deal in most cases.  So, today's blog post is all about giving you some news you can use, about the various costs you ought to expect, when buying a home.  The information here is based upon Chicago, Illinois practice, but these concepts are applicable in most of the United States.  Ask your real estate professional (or call ME!) for any specific questions.  I will get you the answers!  Ready?  Let's GO!

1 - EARNEST MONEY FUNDS

Earnest Money is an up-front and usually refundable portion of your down payment, which is held by the seller (or their agent), until the closing of the transaction.  In Chicago, it is common practice that a buyer - as soon as an offer to purchase is accepted by the seller - to deposit something around $1000 with the list-agent's brokerage, as "initial earnest money."  That is the first of usually two earnest money payments.  The buyer deposits a check or money order, and then provides a copy of that check to their lender for the mortgage file.  Then, as "Part 2" after the inspection and attorney review, if the buyer is moving forward with the transaction, then the buyer deposits the remainder of the earnest money funds - same as before - to the list agent's office.  These funds are PART OF the buyer's down payment, and the buyer is given credit for those funds on the closing paperwork.  The list-broker holds them usually for the duration of the transaction, and applies those funds (at closing) to the agency's commission, or delivers the appropriate balance to the title company or closing team.  

Main idea of earnest money?  It's to show the seller that you are serious!  Really?  Yes.  If you don't have $1000 then you really aren't in a position to buy a home.  In most cases, if you don't have money for a down payment of SOME kind, then you aren't in a financial position to close the deal - and so the earnest money is designed to protect the seller, who takes the property off the market for the buyer, to protect them in case the buyer does not close, and they've lost market time, and potential other buyers.  This suggests then, that earnest money can be lost or forfeited? YES.  IT can.  The best way to protect earnest money is to work with appropriate agents and lawyers, to observe deadlines, and to be serious about what you are doing.  If a deal requires earnest money, the buyer is going to be expected to deliver the funds, on time, and to the right place.  

2 - TITLE, TAXES, LENDER FEES

Most people, in buying homes and land, aren't really thinking about title and taxes and ancillary fees that are necessary to close a deal - but there are usually plenty of fees to go around, paid by both parties.  A few of them are as follows:  title insurance, recordation fees, municipal transfer taxes, appraisal and lender fees, among others.  While every municipality and locale is different, one can expect 1.5-2% of the purchase price for the closing costs.  Transfer taxes are literally just that: taxes.  The city/county in which the real estate is located earns a fee for allowing the transaction, and allowing the deed to be recorded in the county.  The lender in the deal makes money through loan administration and origination fees, and the appraiser (who is usually independent from the lender) gets paid to perform an appraisal for the bank (to help the bank make sure the property is worth the price, to protect the lenders risk).  Title fees are imposed by the title company that oversees the transaction, acting as a settlement agent, hosting the actual closing, and providing title search functions, and title insurance policies (both to sellers and the lender).  Buyers and sellers both buy title insurance usually, and the purpose is to protect against claims against the real estate itself (of liens, ownership, etc).  These fees are required, non-negotiable in most cases, and a standard part of the deal.  Funds for closing comprise the remainder of the down payment (making up the difference from the prior earnest money already deposited) to fill the gap between the loan and the purchase price.  The buyer pays these funds on the day of closing in certified funds or by way of a bank wire.  Cash or personal checks are not allowed.  When contemplating a purchase, use the base of 2% for closing costs, and then estimate from there.  

3 - LEGAL FEES

Real estate legal fees are a typical part of closing a real estate transaction here in Illinois.  I've heard from reliable sources that many states do not use lawyers - and that there are "lawyer states" and "non-lawyer-states" when it comes to deals.  So here in the Chicagoland area, real estate lawyers handle the buyer and seller sides of a real estate deal, and their jobs are to ensure that title, paperwork and negotiations over the transaction are handled and completed before closing.  Lawyers make sure that what the buyer intends to buy, they actually buy - and seller's counsel clears title, oversees the transaction and prepares the majority of the conveyance documents.  The seller's lawyer affiliates with a particular title company, processes and performs title searches, clears any mortgages or liens or judgments against the seller or property, and cross-references all of the necessary documents, in order to facilitate the transaction.  Legal fees are necessary and a traditional part of the deal.  

As the buyer is nearing the end of the deal, preparing for closing - the buyer has to collect these funds in the form of a cashier's check or wire transfer and provide those closing funds to the title company, who will disburse all of the necessary funds.  All of these costs are a normal part of all real estate deals, and something a buyer must understand and be familiar with.  

Have any questions?  Be sure to ask!  A seasoned broker and real estate professional will have answers by the ready, and be able to help you.   Your lender/loan officer is also an amazing resource.  We are here to help and ready with information, hand-holding, and making your deal smooth and seamless.  

Reach out any time!

xo,

Alisa

Are you ready?  I know you ... or I know OF YOU.... and we've all heard about people calling up realtors asking to see a property, only to be declined, because they are not pre-approved with a letter in hand.  I write to call it out!  I think it's offensive, and silly, to require it, and I've got some good reasons why... SO strap in, grab your favorite drink and let's review - the reasons why!

In no particular order, here are my top 3 reasons for why a pre-approval can wait, and going out and having fun should be the priority:

1. I CAN MAKE SURE YOU HAVE WHAT YOU NEED QUICKLY - WHEN YOU ARE READY.  I can get you pre-approved, quickly, if you are ready, and you want it.  What?  I can do it?  Yes.  Sort of.  I work with a phenomenal lending partner, and I know a lot more mortgage professionals who can lend nationwide.  So - when I say I can get it handled, I'm really serious. I can call up or email any one of my colleagues, provide a quick introduction and they'll jump all over the file, on my honor.  You see, mortgage lending is a VERY hungry and winner-take-all industry.  Those who are up early, hitting the ground, are those who eat that day.  So unlike your local banker vying for new checking accounts, a mortgage broker or loan officer makes his/her money not on a traditional salary, but on the actual loans closed.  Thus, if they can write your business, they want to.  As such, when their referral partners (people like me) send messages that say "jump", the good ones ask "how high?"  This is why, if we are together, and your income/credit are in good shape, we are in business.  I've got it.  We'll close it, and as a result, I don't find myself worrying about "if" we'll get you pre-approved and closed - but rather, WHEN.  I think positively, and you should too!
2. IF YOU FIND THE PLACE YOU WANT FIRST, THEN YOU WILL BE IN A GREAT POSITION TO DO EVERYTHING NECESSARY, AT ONCE, TO GET IT.   I need you to be excited about real estate.  Especially in Chicago if you fly a paper airplane in any direction, you are likely to hit someone in the real estate industry!  So amongst your choices, you've picked me (a lovely and fine selection) and we are going to check out some homes.  What is important to me, is that you walk away feeling like you could be excited about a new place, that you have not only some direction in the process, but you feel you'll have help and information along the way, and you are interested to and excited about having some fun.  While there's lots of paperwork and money, and nerves to boot, buying and selling doesn't have to be that stressful if you know what to expect.  My role is to navigate, from beginning to end, so that you are focused on the fun stuff (where's the tv going to be hung and what color should that wall be?).  I aim to provide information before you think to ask, so that you are always informed, ready, and rarin' to go!  So, checking out some homes is a fantastic way to get you to that place of readiness. 
3. WHAT IS YOUR MONTHLY BUDGET?  I CAN WORK WITH THAT IN MOST CASES.  Once I know what your monthly budget is, I can figure out purchase power, so that a pre-approval isn't needed by ME, to do a showing.  Realtors often use them to screen serious vs. non-serious buyers and tire-kickers.  I think that's insulting!  You may not know what you want to do until you get out there.  While preapproval process isn't hard, people get nervous.  My thoughts are that while having a pre-approval demonstrates readiness and excitement - both of those things can be generated later.  

In addition to the above reasons, I just like looking at real estate, so I feel like every client interaction is an opportunity to see more, learn more about the city, and my client - and I'll take that opportunity (it's super helpful!).  Not only that, but going on adventures bonds people together, so if I were to decline, then I'd lose your interest, your trust, and your curiosity (and that would be some other brokers gain!).  Instead, I accept all invites where scheduling permits, and we go and check things out.  While this is how I make my living, my thoughts are that I'm not really "selling real estate". Instead, I'm selling Alisa Levin - and what that means, is that if you like and trust and want to accompany me on your journey, then you are choosing ME, fun and a ton of helpful information along the way.  

So, we can handle the banking.  We can handle the questions..  We can tackle the City of Chicago and beyond.  What do you need?  I'm here, 24-7/365.  Call, text or carrier-pigeon. I love those....

xoxo,

Alisa

Buying a New Place?  Finding Your Groove With Inspection Items

Are you buying a new place and wondering how to put all of the inspection items, contract details and fix-it list items together to get to closing?  I can't tell you how many overwhelmed buyers I've helped to narrow all of this down - so I thought I'd break down some things to look for in buying a new place, and "asks" that you should do in every deal, no matter what!

Inspection Items:  

• HVAC Service - Depending on the season you will want to test the A/C or the heater - and regardless of whether the air in the property seems to be comfortable, ask the seller to provide an annual HVAC service call.  It's around $100, and it will provide peace of mind for you!
• Run the Garbage Disposal with Water - One never knows how such a small under sink machine can make so much noise!  If the garbage disposal runs well, it may be loud, but the sound should not be frightening!  I cannot tell you how many times I have found garbage in a disposal that someone "accidentally" put in there!  So do a quick check at inspection time!
• Appliance Warranty Date Renewal - If your seller has installed new appliances, chances are that they were purchased months before closing. So!  You need to call the appliance manufacturer and ask them if you can adjust "beginning" service date to the date of your closing, rather than the date the seller bought the items (You would just offer to send them your closing statement) - therefore, to get the ONE YEAR warranty, you have to tell them when the appliance is "placed into service" so that they can honor the warranty. 

Contract To-Do List:

     So when you first see a place with your realtor, be sure that you (or your realtor) take note of things you see that need repair or inquiry - so that they are notated in the contract as part of the deal

• Open and close drawers in the kitchens and bathrooms so if there's a broken drawer
• Look in the HVAC/Furnace Closet for any rust, broken or loose connections, and examine the filter to see if it's been recently changed - if not, then ask for service
• Look under all sinks - any evidence of leaking? If so, ask seller to hire a plumber to repair things
• Look to see if the toilet and any bathroom fixtures are loose
• Check all windows to see if they open, close and lock
• Look behind refrigerator - do you see dust, grime and trash?  Check things out - you want to know what kind of seller 
• Rugs and furniture - move things to see what's there - so you can notate things in the contract before you inspect!

What's the bottom line?  You'd be surprised what a seller would agree to in order to get a deal done.  Take down/notate repair items in the contract, so they are agreed upon up front.  During inspection, pick the big-ticket repair items to focus on - but still ask for small repairs if they will provide you confidence in the deal.  One way to get around large repair items is to ask for a home warranty (note- they are only about $600!), so that future repair costs are lessened.  

Need help?  Hire a seasoned broker to guide you along the way!  If you asked me to help - I'd use my 25+ years of construction and legal experience to help you see things that you might not catch!  Need ideas?  I'm here 24/7/365.

xoxo,

Alisa

I get asked all the time - WHY BRONZEVILLE?  

It's easy.  Bronzeville has it all: beauty, history, space, location, ease of transit, community, architecture, community investment and more.... There's a lot to love about Bronzeville.  What I like about it, other than the list above, is that it has so much potential to be a "hub" of Chicago development, and I am excited to be a part of that.  What people see when they tour the area, is usually the unique "Chicago architecture" and the potential of the vast open spaces that will soon be swept up by the development boom - that I just can't wait to see the next new thing to come!

Why should you like Bronzeville, other than the obvious?  Well its rich history as a destination for industry, culture, music and architecture, there's a lot from the past to love, and also look forward to.  Bronzeville is a host for up-and-coming artists, architects, real estate developers, space-planners, nature enthusiasts, and has plenty coming down it's path (what with the Obama Presidential Library, Tiger Woods Golf Course and other amazing projects coming down the pike which are crazy-close to Bronzeville), I know I am hardly the only one super excited about opportunities.

In addition to these reasons, Bronzeville has a ton of real estate potential, with vast parcels of land ripe for development in residential, commercial and industrial applications.  I'm super passionate about the area, and you'll find me poking around almost daily!  

Got questions, comments, real estate dreams?  Reach out.  I'd love to hear from you about this, that or the other!

Enjoy the weekend!

xo,

Alisa