Pinnacle Team Newsletter
Inside
this
issue:
Interested 1
Just Around the Corner
Party
Contributions Summer is almost officially
here, a time of year when
Chicago comes to life.
Recipe: 2 Chicagoans live through
Vermicelli w/ the bitterly cold winters for
Shrimp the ultimate summer
payoff.
Restaurant: 2 We have so much to look
Volo forward to over the next 4
months—baseball games,
the beach, dining al fresco,
rooftops, and summer
Moving Day 3 festivals!
2010 Chicago
Summer
Festivals
4
Interested Party Contributions
What is an “IPC”? An
Pinnacle Team 5-6 Interested-Party Contribution
Listings (IPC), commonly known as a
“seller credit”, has become
an increasingly more popular
negotiating tool on purchase
transactions. An IPC helps
to reduce the home buyers’
cash requirement for closing.
IPC’s can be used for
covering lender fees
(appraisal, credit report,
processing, etc.), mortgage
insurance premiums, interest
rate buy-down on the loan,
title insurance and closing
fees, city transfer taxes (if
applicable), attorney fees,
and reserves for property
You’ll find the much
coveted lineup of summer
festivals in this newsletter.
If you have not received a
Summer Festivals magnet
and would like one, please
reach out to anyone on our
team.
Our team is amazed at all
of our clients who took
advantage of the
Homebuyer Tax Credit -
we were fortunate to have
been able to help so many
people so far this year.
taxes, home insurance and
mortgage interest due at
closing. If a buyer has
limited resources for a
closing (beyond their down-
payment), receiving an IPC
from the seller may be the
perfect solution to achieve
the dream of home
ownership.
Be advised, there are limits
on IPC’s. On FHA loans, the
current IPC cap is 6% of the
purchase price. On
conventional financing, the
IPC limits are 3% on
financing over 90% and 6%
on financing up to 90% of
the purchase price. It is
M a y / J u n e 2 0 1 0
We are also grateful to
have been awarded
Chicago Association of
Realtor’s Top Producer of
2009. Our team could not
have done it without our
amazing clients who put
their trust in us.
We hope this finds you
well!
The Pinnacle Team
Ryan, Sarah, Nadine,
Emily & Hillary
critical for borrowers who are
looking to negotiate and
utilize an IPC to discuss the
anticipated transaction costs
with a mortgage specialist.
An experienced loan officer
will provide a detailed cost
break-down and help to
determine how an IPC will
best fit their needs.
Steve Bensinger
Charter One Bank
steve.bensinger@
charteronebank.com
 Vermicelli w/ Shrimp in a Creamy Tomato Page 2

Sauce
Katherine Clark, Roscoe Village

3 tablespoons olive oil

1 lb peeled, deveined, large shrimp
3 garlic cloves, minced
¼ teaspoon dried oregano
½ cup sweet, red vermouth
1 14oz can diced tomatoes, drained
¾ cup heavy cream
½ teaspoon fresh lemon juice
½ lb vermicelli (you can sub thin spaghetti)

In a large skillet heat olive oil. Add shrimp, garlic, oregano, ½ teaspoon salt and ¼ teaspoon
pepper. Turn shrimp occasionally- cook until golden, about 2-3 minutes. Add vermouth and
tomatoes- scrape up any brown bits from bottom of pan. Add cream and simmer until sauce
thickens slightly- about 1-2 minutes. Remove from heat and stir in lemon juice.

Meanwhile, cook vermicelli until al dente in a pot of salted water (reserve about ½ cup pasta
cooking water). Drain pasta and toss with shrimp sauce. Use reserved cooking water to thin if
necessary. Top with fresh Parmigiano-Reggiano before serving. Serves 4.

Volo
Located in a boutique storefront
in Roscoe Village, the space
combines cozy/chic design
elements with urban vintage
charm. An innovative approach
to ordering sets Volo apart
making enjoying wine easy,
accessible, and un-intimidating…
all in a casual neighborhood
atmosphere.
The seasonal American menu
features rotating small plate
offerings, with an emphasis on
organic and local food products.
Choices might include heirloom
tomatoes with buffalo mozzarella
and basil vinaigrette or roasted
filet of sole, with sweet peas,
fava beans and fiddlehead ferns.
The menu offers wine pairing
suggestions, and the
international wine list includes
detailed descriptions for the
wannabe sommelier. Glass pour
options are offered by the
carafina (about 1/3 of a bottle)
and flights. The vineyard-
influenced rear patio features
cabanas, chaise lounges and a
weathered barn.
Roscoe Village
Whether looking for a new place
to call home or just planning a
visit, rest assured that anyone
would find Roscoe Village a
vibrant yet peaceful place to
enjoy.
Bounded by Addison (north),
Belmont (south), Ravenswood
(east), and the Chicago River
(west), the area now known as
Roscoe Village was witness to a
crazy ride on the roller coaster of
urban change. Officially
established in 1977, it had
evolved from a Fox Indian prairie
to a coven of immigrant farmers,
from a gathering of glass
greenhouses to the excitement
of the historical Riverview
Amusement Park. Today,
Roscoe Village finds itself a fun,
safe, thriving, community-
oriented niche of the city.
With dozens of local eateries
offering a variety of fares
(including Mediterranean, South
American, Thai and Italian
cuisines, among many others)
the restaurants here have
formed an enviable culinary
clique. And nearby watering
holes and wine depots are also
footsteps away, perhaps one
specializing in a worldly
outpouring of tap beers, the next
in a customized liquor selection.
Also on the map are several
booming businesses, cool shops,
and charming boutiques, offering
quite an impressive array of
goods and services. By hosting
local welcoming receptions and
education seminars, the What’s
News in Roscoe Village newsletter
keeps it’s neighbors up-to-date on
park and street improvements,
school donations, pub crawls, other
seasonal events. You’ll also find
the City of Chicago’s third largest
street festival, Retro On Roscoe,
the stage for the standard of
friendliness and excellence that is
Roscoe Village today.
2008 W. Roscoe
www.volorestaurant.com
Page 3
Moving Day
Well, it’s that time of year again…half the
city is on-the-move! Recently, a patient of
mine packed up all of his belongings,
loaded a box truck, and made his way to
the new abode. Because we make it a
point at ProACTIVE Chiropractic &
Physiotherapy to teach our patients the
proper way to perform daily activities, he
had numerous opportunities to learn how
to lift, carry, and set down heavy items
while avoiding injury or undue stress on
his joints. He knew that proper nutrition
would also impact his performance on that
whirlwind of a day. However, these
stressful, fast-paced situations tend to
make even the most prepared individual
forget some of the basic rules as
“Operation Uproot“ ensues.
So, in order to share some simple
strategies with all of you, I have included
a list of things to keep in mind as you
prepare for your next moving adventure.
We hope this helps!
Set aside more time than you think
you need. Packing and moving always
takes longer than expected, and it’s better
to take your time and give yourself plenty
of breaks. Not to mention, your things are
more likely to arrive intact if they are
properly packed.
Pack boxes to the appropriate
weight—just because it can fit more,
doesn’t mean that it should. Take, for
example, a medium-sized box that holds a
few hundred CDs. “Look how perfectly all
of my CDs fit in this box,” you might say.
But have you ever tried lifting a few
hundred CDs? No matter how well they fit
in that box, getting them off the floor, into
a truck, and possibly up some stairs upon
arrival is a different story.
Keep boxes and objects close to your
center of gravity (your core). The further
away you hold something, the more it
weighs. If you are repeatedly lifting boxes
improperly for several hours, you could be
looking at a few weeks of treatment to
properly recover.
Bend at the knees, not the low back.
This one is common knowledge, right?
Possibly. However, most people don’t know
the second part of this commonly stated
advice. Be sure to squat with your glutes
and hamstrings—that’s what these muscles
are there for. Unfortunately, most people
squat with their quads, which puts a lot of
stress on the knees. In addition, once the
move starts, and the rental truck timer ticks
away, proper lifting tends to “take a break”,
and we start to see more bending at the
waist. “Ouch!” say the low back muscles in
unison.
Stay hydrated and take breaks for food
or snacks. Avoid drinking carbonated
beverages, energy drinks, or coffee that will
dehydrate you and not replenish nutrients
that your body needs during your “moving
marathon.”
Even if you can manage it on your own,
have someone help you carry unusually
shaped objects or large cumbersome
objects. Contorting your body to squeeze
through a doorway while holding a heavy
item will definitely land you a muscle strain
or possibly something worse.
If you have the means, hire movers!
Dr. Jason Jared, DC
ProACTIVE Chiropractic
&Physiotherapy
www.proactivechirophysio.com
S
Page 4

2010 Chicago Summer Festivals!

May……………………………………… 16-18: Windy City Ribfest
17: Southside Neighborhood Gospel
21-23: Mayfest in Lakeview Fest
29-30: Belmont/Sheffield Music Festival 17-18: Sheffield Garden Walk & Festival
30: Bike the Drive 18: Chinatown Summer Fair
24-25: Taste of Lincoln Avenue
29-8/1: Fiesta del Sol
June…………………………………….. 31-8/1: Gold Coast Art Fair
31-8/1: Lincoln Park Arts & Music Festival
3-6: Mayfest Chicago 31-8/1: Summer on Southport
5-6: Chicago Gospel Music Festival 31-8/1: Wicker Park Fest
11-13: Chicago Blues Festival
11-13: Ribfest Chicago
12-13: Andersonville Midsommarfest August…………………………………..
12-13: Chicago Tribune Printers Row Lit
Fest 1: Belize Day in the Park
12-13: Wells Street Art Festival 6-8: Lollapalooza
18-20: Taste of Randolph Street 7-8: Northalsted Market Days
18-20: The Raven 7-8: Retro on Roscoe
18-20: Puerto Rican Parade 14-15: Air & Water Show
25-7/4: Taste of Chicago 14-15: Wrigleyville Summerfest
25-26: Chicago Pride Fest 20-22: North Side Summerfest
26-27: Green Music Fest 21-22: Ukrainian Days Festival
27: Chicago Pride Parade 28-29: Bucktown Arts Fest
28-29: Lake View Music Fest
28-29: Taste of Greece
July………………………………………

8: Bastille Day 5K Run, Walk & Block September……………………………...

Party
9-10: BenFest 3-5: Chicago Jazz Festival
9-10: Old St. Pat’s World’s Largest 10-11: Windy City Wine Festival
Block Party 11-12: Renegade Craft Fair
10: L.A.T.E. Ride 17-18: Viva! Chicago Latin Music Festival
10-11: Chicago Folk & Roots Fest 24-26: Oktoberfest Chicago
10-11: Rock Around the Block
Page 5
Pinnacle Team Listings
New Listing! 2031 W. Pierce, #1A -
$434,900
Unbelievable 2bed/2.5 bath duplex down w/
deeded garage parking included in price.
Timeless finishes include granite/ss/hardwood
floors, etc. Grohe, Kohler, Toto, Jacuzzi
fixtures. 13 Closets - Storage Galore. W/D in
unit. Master Bath recently upgraded. Balcony
off of dining room. Spacious and beautiful
home steps to Bucktown, Shopping, Trains,
Restaurants, etc. Priced to sell!
http://tours6.vht.com/Viewer/
PhotoGallery.aspx?
ListingID=1224589&Style=IDX
New Listing! 4412 N. Racine, #1N -
$399,000
Luxurious and spacious duplex down
designed for entertaining. Truly unique, a
must see! 2 bedrooms have en suite baths.
Chef’s kitchen features XL island, tons of
cabinets, ss appliances, vented hood, wine/
beer frig, surround sound, dumbwaiter.
Laundry room with cabinets, W/D, and utility
sink. Master has custom walk-in closet and
separate den. 2 outdoor spaces and secured
parking included in the price.
http://tours6.vht.com/Viewer/
PhotoGallery.aspx?
ListingID=1226938&Style=IDX
New Listing! 420 W. Ontario, #202 -
$299,000 + $30,000 for parking
This south facing 2 bed/2 bath timber loft
in the heart of River North boasts fresh
paint and carpet. Ktichen with breakfast
bar, stainless appliances, and granite.
Hardwood floors, exposed brick, a private
balcony, and new W/D complete this gem.
Steps from restaurants, public
transportation, 90/94, parks, gyms, etc—a
97/100 on walkscore.com!
http://tours7.vht.com/Viewer/
PhotoGallery.aspx?
ListingID=1256939&Style=API
New Listing! 1522 W. Jonquil, #2E -
$260,000
Lovely 2 bedroom condo ready to move in!
Private garage parking included in price!
Recent rehab, central AC, large living room
with charm, hardwood floors throughout,
hallway ideal for art gallery, kitchen made for
entertaining. Extra room can be dining room
or den. Large deck a plus! One block to the
lake. 6 months assessment provided by the
seller!
http://tours7.vht.com/Viewer/
PhotoGallery.aspx?
ListingID=1235677&Style=IDX
New Listing! 1225 W. Morse, #204 -
$274,900
Spacious wide loft, 10’-12’ ceilings, large
windows with great light. Kitchen with granite
counter, stainless appliances, W/D in-unit and
42” cabinets. Loads of storage throughout.
Roof deck coming. Perfect location—close to
lake, parks, transportation, and restaurants.
Deeded garage parking included in the price.
http://tours6.vht.com/Viewer/
PhotoGallery.aspx?
ListingID=1226979&Style=IDX
Price Reduction! 1264 W. Winona, #3B -
$259,900
Beautifully appointed, top floor, 2 bed, 1 bath
condo in the heart of Andersonville. Walk to
shops, restaurants, Red Line, grocery in
minutes. Recently rehabbed, this home
features hardwood floors thru-out, granite
counters, 42" cabinets, stainless steel
appliances, security system, Kohler fixtures,
crown molding, and window treatments. Home
is in mint condition and move-in ready. XL
storage is included! Rental parking available
for $100/month.
http://tours6.vht.com/Viewer/
PhotoGallery.aspx?
ListingID=1220797&Style=IDX
Page 6

Pinnacle Team Listings

901 W. Madison, #622 - $324,900 For our commercial investors, we also have a
This 1 bed + den condo is in mint condition storefront for sale:
and ready for its new owner. Upgrades
include premium granite, cherry cabinets, 3008 W. Devon - $224,900
hardwood floors, and $2k window treatments.
This large condo gets great light with floor/
ceiling windows and the balcony is perfect for
grillin and chillin. Heat bill, what heat bill? Gas
is included in assessments and indoor heated
parking is in the price! Easy to show!
http://tours6.vht.com/Viewer/
PhotoGallery.aspx?
ListingID=1220364&Style=IDX

1048 W. Byron, G - $254,900

Very high garden unit in hot Wrigleyville!
Features grade level separate entrance on
front and rear. This 2 bed, 1.5 bath condo is
well maintained and has been nicely updated.
Large rooms. Master bedroom features
private half-bath. PARKING INCLUDED!
Unbelievable outdoor space for entertaining.
Walking distance to train, restaurants and
bars, Lake Michigan, this location is primo.
Priced to sell!
http://tours5.vht.com/Viewer/
PhotoGallery.aspx?
ListingID=1208710&Style=IDX

6400 N Sacramento, 2 Units - $109,900 -

$124,900
These wonderfully finished 1 bedroom, 1 bath
condos offer luxury and affordability. The
intimate 16 unit building offers parking
included in the price, storage, and an elevator.
Each condo is finished standard with double
ovens, marble baths, Kohler fixtures, granite
counters, central heat & air, oak floors, 42”
cabinets, and Jacuzzi tub. Exceptional value!
FHA and VA Approved!
http://tours5.vht.com/Viewer/
PhotoGallery.aspx?
ListingID=1184844&Style=IDX