Voices News Feed - ValpoLife https://valpo.life Wed, 27 May 2020 00:26:22 +0000 en hourly 1 https://wordpress.org/?v=5.2.2 Indiana enters Stage 3 of reopening plan https://valpo.life/article/indiana-enters-stage-3-of-reopening-plan/ Tue, 26 May 2020 13:24:31 +0000 State Senator Ed Charbonneau https://valpo.life/article/indiana-enters-stage-3-of-reopening-plan/ Because of the progress Indiana has made in slowing the spread of COVID-19, Gov. Holcomb announced that, as of Friday, May 22, Indiana will be operating under Stage 3 of the Back on Track plan to reopen Indiana’s economy.

Some of the highlights of Stage 3 include the following:
• Social gatherings of up to 100 people are permitted.
• Retail stores and malls may open to 75% capacity.
• Restaurant in-person dining will remain at 50% capacity.
• Gyms and fitness studios may open with restrictions.
• Community pools and campgrounds may open.
• Youth and adult recreational sports practices may begin (this does not include contact sports).
• Community sports facilities like basketball and tennis courts, soccer fields, and baseball diamonds may open.
• Raceways may hold competitions with no spectators.
• State park inns will reopen.
• Youth summer day camps may begin June 1.
Cass, Lake and Marion counties, however, will remain in Stage 2 of the state plan until June 1 due to the prevalence of COVID-19 in those areas.

Hoosiers age 65 and older, and those with known high-risk medical conditions, should continue to limit exposure at work and in their communities.

To learn more about what is open and to find safety guidelines for various businesses and organizations, visit BackOnTrack.in.gov. The full text of the businesses and organizations, visit BackOnTrack.in.gov. The full text of the executive order implementing Stage 3 can be found by clicking here. More information on COVID-19 can be found at coronavirus.in.gov

Indiana enters Stage 3 of reopening plan
Help us…help many more https://valpo.life/article/help-ushelp-many-more/ Thu, 21 May 2020 18:35:59 +0000 Methodist Hospitals https://valpo.life/article/help-ushelp-many-more/ Dear Neighbor,

We are casting a wide net and reaching out to as many of our Northwest Indiana neighbors as possible with the following message. Please feel free to share this message with your family, friends and associates.

These are unimaginable times for our region and our nation, and for all who have been affected by the COVID-19 pandemic. That means everyone, and Methodist Hospitals is no exception. This outbreak has strengthened our resolve to care for all those who come to Methodist Hospitals in need, regardless of background or diagnosis. During this time, we have redirected our remarkable staff and acquired the necessary resources to deliver the best care possible for our COVID-19 patients.

And, we have seen some success. Many COVID-19 patients treated at Methodist Hospitals have already returned home. However, more patients are reaching our doors.

To help us help many more patients, the Methodist Hospitals Foundation has established the COVID-19 Response Fund. Gifts to the fund will empower Methodist Hospitals to rise to today’s challenge by supporting our doctors, nurses and staff, providing essential equipment and required PPE supplies, creating units dedicated to delivering the highly specialized care needed by COVID-19 patients.

In times like these, everyone matters and every gift counts…regardless of size. Please help our frontline heroes help many more patients by giving a gift today.

Click here to make a donation today, or to learn more.

In giving a gift, you may want to consult your advisor regarding new 2020 tax deduction provisions. Thank you for considering this call to action.


Judy Lindsey, Executive Director

Help us…help many more
Editorial: Vote Yes on Hanover Community School Corporation Referendum https://valpo.life/article/editorial-vote-yes-on-hanover-community-school-corporation-referendum/ Tue, 19 May 2020 19:30:15 +0000 Contribute https://valpo.life/article/editorial-vote-yes-on-hanover-community-school-corporation-referendum/ Boys & Girls Clubs of Greater Northwest Indiana’s mission is to inspire and enable the youth of our communities to realize their full potential as productive, responsible, and caring citizens.

As an organization that serves only school-aged children, during critical out-of-school time hours and days, our Cedar Lake Boys & Girls Club is fortunate to have a strong partnership with Hanover Community School Corporation to the benefit of our youth and families. We work hand in hand to ensure that every student, every Club member, has the opportunity to succeed, progress through grade levels on-time and graduate with a plan for their future. Every day after school we provide a safe, fun, enriching environment for hundreds of Hanover students who may otherwise go home to empty households.

Cedar Lake Club’s active registered membership is 382 youth of which 24.4% represent students who attend Hanover Community Schools. Our membership from the Hanover school system is growing rapidly with an increase in middle school students who are now attending our Club. This is possible as the direct result of our mutually beneficial partnership.

Referendums are becoming more and more important to our area schools as they search for funding sources to continue quality education, and to stop reductions that minimize learning opportunities and the potential of our students. Our Boys & Girls Clubs work closely with ten public school districts, and several charter schools across both Lake and Porter Counties. Hanover School Corporation’s programs, resources and support, available to students in every grade level, is a top public school district that we work with in Northwest Indiana. Ensuring our community youth are successful is one of our organization’s top priorities. It is for this reason that our Cedar Lake Club Advisory Board and Boys & Girls Clubs of Greater Northwest Indiana is supporting Hanover Community School Corporation’s capital and operational referendums – openly and publicly. We hope you will take time to vote YES on June 2 to keep Hanover Community School Corporation’s funding level the same to maintain the high quality public school district Cedar Lake, Crown Point and St. John residents are fortunate enough to have.

Editorial: Vote Yes on Hanover Community School Corporation Referendum
Mind on Money: A welcome return to a long-term focus https://valpo.life/article/mind-on-money-a-welcome-return-to-a-long-term-focus/ Mon, 18 May 2020 19:19:08 +0000 Marc Ruiz https://valpo.life/article/mind-on-money-a-welcome-return-to-a-long-term-focus/ I am answering the same question a couple times every day now, “Marc, with the economy shut down and everyone locked down at home, how can the stock market be going up?”

It is a great question, and I wish I had the entire answer. To be candid, I am a bit surprised at the scope and length of the current rally, which started around the fourth week of March. I’ve got some theories as to why the rally has been so robust and persistent, but underlying these theories remains a healthy dose of skepticism.

When investors talk about the ”market being up,” they are typically referring to a high-profile index like the Dow Jones Industrial Average (the Dow), or the S&P 500. Of course, it’s not possible to invest in them directly, but these baskets of stocks are considered by most to be “the market.”

These indexes, however, are compilations of actual stocks of individual companies, and so underlying any index is a formula of which companies it comprises. According to recent analysis produced by Goldman Sachs, just five companies now account for 20% of the market value of the S&P 500.

So, who are these companies? Apple, Amazon, Microsoft, Facebook and Alphabet (Google). While I’m not going to get into a deep dive on these five corporations, a case could be made that the business model of each of these companies isn’t hurt by the pandemic and shelter-at-home orders, and to go a little further, it’s not hard to imagine how each of these companies may actually thrive under our current state of affairs.

The Dow is even more concentrated, with Apple and Microsoft alone accounting for about 14% of that index. So, when we are following and evaluating the “market” in a very real way we are largely following a few companies who appear fairly well situated to endure the pandemic response.

Going beyond the composition of the “market” in general, it’s difficult to overstate the level of financial support being provided to the financial markets by the Federal Reserve during the COVID-19 crisis. Not only did the Federal Reserve declare the possibility of an unlimited expansion of the money supply during the crisis, it also announced it was expanding its market-related activities into commercial mortgages and even corporate bonds. While I don’t know if the Fed has actually affected any purchases (support) of these types of securities, just the mere possibility that it could is likely sufficient to provide impetus for securities of all types to move higher, which they have.

And finally, in its base form, stocks in general are a discounting mechanism, which means investors are primarily looking forward in an attempt to discern not just what is happening, but rather what will happen over the next quarter, year, five years, etc.

As I wrote last week, due to the speed and unprecedented nature of the pandemic and pandemic response, the what “is” happening part of the discernment process is too messy to be useful, and so investors have had to look forward, beyond the crisis to develop assumptions and make decisions.

In this regard, I believe markets are putting fear and anxiety in the rear view mirror and attempting to price in the prospects and speed of hope returning to the nation. As COVID-19 treatment protocols evolve and improve, spring arrives across much of the infection zone, and lock down orders relax and head toward repeal, I for one am feeling much more hopeful that the other side of this crisis is near.

As an investor, I am taking this hope and using it to get more comfortable with the positions I currently own and look for entry points to prudently add exposure here and there. While I have no problem harvesting gains made during the crisis rally, I too am getting back to focusing on the longer term, and I must admit, this feels pretty good.

Opinions are solely the writer’s and are for general information only and are not intended to provide specific advice or recommendations for any individual. Stock investing involves risk, including loss of principal. Marc Ruiz is a wealth advisor and partner with Oak Partners and registered representative of LPL Financial. Contact Marc at marc.ruiz@oakpartners.com. Securities offered through LPL Financial, member FINRA/SIPC.

Mind on Money: A welcome return to a long-term focus
COVID-19 Testing Information https://valpo.life/article/covid-19-testing-information/ Fri, 15 May 2020 21:06:17 +0000 State Senator Ed Charbonneau https://valpo.life/article/covid-19-testing-information/ In an effort to expand COVID-19 testing to as many Hoosiers as possible, the Indiana State Department of Health (ISDH) is partnering with OptumServe Health Services to offer COVID-19 test sites across the state.

Hoosiers who have symptoms of COVID-19 and those who have been exposed and need a test to return to work are encouraged to visit a state-sponsored testing site. Individuals who are at high risk are also encouraged to get tested, even if they don’t have symptoms. There is no charge for testing at ISDH/Optum sites and insurance is not required, only proof of Indiana residency. However, if you have private health insurance, you should bring your insurance card with you.

Hoosiers seeking to be tested at one of these sites must register online at lhi.care/covidtesting or by calling 888-634-1116.

These state-sponsored sites are in addition to testing locations operated by private health care providers. You may be able to get tested by a private provider even if you don’t meet the criteria for testing at a state-sponsored site.

The state recently launched a website where Hoosiers can find information on COVID-19 testing and a map of testing locations throughout Indiana. The map includes both government-sponsored testing locations and private-sector testing locations.

In our part of the state, test sites are available in Jasper, LaPorte, Porter and Starke counties. The map of testing sites will be updated continuously, so you should check the map to find the most up-to-date information regarding the testing sites near you, like location, scheduling information, hours of operation, payment information (if applicable) and contact information.

For more information on Indiana’s COVID-19 testing, click here.

Legislative Council Announces Study Committee Topics
This week history was made when my colleagues and I participated in the first ever Legislative Council meeting via Zoom.

The virtual meeting assigned topics to be studied prior to the 2021 legislative session, noting that lawmakers will need to study the impact of COVID-19.

For more information and to view the assigned study committee topics, click here.

COVID-19 Testing Information
UnitedHealthcare is Committed to Providing Support During COVID-19 https://valpo.life/article/unitedhealthcare-is-committed-to-providing-support-during-covid-19/ Thu, 14 May 2020 21:04:16 +0000 UnitedHealthcare https://valpo.life/article/unitedhealthcare-is-committed-to-providing-support-during-covid-19/ A recent New York Times editorial — “How Health Insurers Can Be Heroes. Really.” — makes the case that health insurers have an opportunity to distinguish themselves during the COVID-19 crisis.

We’re not sure if companies can be heroes, but we know people can.

People like Dr. Paul Banick, a UnitedHealthcare clinician from Tennessee, who is volunteering in New York’s Bellevue Hospital, treating the most challenged COVID patients. Or Dr. Jeffrey Brenner in UnitedHealthcare’s Medicaid business, who is leading New Jersey’s field-based hospital system during COVID-19. People, not companies, are the real heroes and we are grateful for their service.

We do, however, completely agree with the editorial authors’ suggestion that insurers play a vital role in helping our country combat and recover from the COVID-19 pandemic.

Just last week, UnitedHealth Group announced we would be providing $1.5 billion in financial support to our customers. This support will come in different forms including premium credits for commercial fully insured customers, waiving copays for Medicare Advantage members, premium stability for Medicare Supplement members, and expanding access to covered services for Medicaid members. These actions will help offset historic levels of deferred care and provide much needed financial relief. We also provided financial assistance to programs working directly with the homeless and those facing food insecurity. 

This swift financial relief builds on the early steps we took to waive all cost-sharing for COVID-19 testing and treatment. We also waived cost-sharing for all telehealth visits with in-network physicians, making it easier and safer for people to get the care they need. By waiving these costs, we have helped people save millions in health care costs while ensuring access to the care they need with physicians they trust.

Supporting health care providers has also been a top priority as they battle COVID-19 on the front lines and wrestle with the financial impact on their medical practices. In early April, we announced accelerated payments of nearly $2 billion to care providers to help address financial challenges brought on by the pandemic. We also support the authors’ idea of aligning insurers’ incentives with providers by using a capitated rate per person vs. fee-for-service billing. This payment model is a win-win-win for patients, providers and payers because it generates better outcomes at lower costs.

We recognize the significant challenges facing care providers. Across UnitedHealth Group, we have nearly 100,000 clinicians who are on the front lines working every day to provide essential care. To support our clinicians and communities, we announced an initial $75 million commitment to help fight COVID-19 in heavily impacted populations, ensuring the safety of health care workers, supporting our highest risk members and patients, and providing much needed assistance to the hardest-hit communities.

This work is critical to the recovery of our country. And it doesn’t stop with COVID-19, it’s what we do every day. We help people: get the care they need, move from hospital to home, understand benefits, get medications, find transportation and housing, address hunger, combat loneliness and depression, get baby checkups, support special needs children, stay well and live their fullest lives.

We moved past simply being an insurance company well over a decade ago. We are privileged to help people live healthier lives, and to help make the health system work better for everyone.

UnitedHealthcare is Committed to Providing Support During COVID-19
Hospital Week at Porter Regional Hospital has deeper meaning this year https://valpo.life/article/hospital-week-has-deeper-meaning-this-year/ Wed, 13 May 2020 21:35:33 +0000 Porter Regional Hospital https://valpo.life/article/hospital-week-has-deeper-meaning-this-year/ Hospital Week has deeper meaning this year as the Porter Regional Hospital team celebrates our work to provide safe, high-quality care for our patients.

The COVID-19 pandemic has made it crystal clear just how much communities rely on their local hospitals and also how much we rely on you.  During the past few weeks, we’ve felt an outpouring of support and we are grateful to everyone who has delivered a meal, sewn a facemask, built a face shield, left a card, a sign or a chalk drawing, or who has just reached out to one of our caregivers and support team to say – thank you.  Thank you for your generosity and response to our caregivers and support teams – they have really appreciated it.

At Porter Regional Hospital, and our sister hospitals in LaPorte and Starke, we are used to responding in times of crisis. But, this pandemic is unlike anything any of us has ever experienced. And, we know it has created anxiety for many people, especially when it comes to seeking healthcare services.  So, we want you to know two things.

First, you can count on us to maintain a safe environment for patients and employees. We are taking extraordinary measures – going above and beyond all of our normal efforts to keep our hospital, outpatient centers, and physician offices clean and safe – because if you need healthcare, we want you to feel confident and to know you are protected.  We are screening everyone who comes into the hospital, providing facemasks and other personal protective equipment to staff and patients, rearranging our environments to enable social distancing, and, in the event we ever do have any patients with COVID-19 at the hospital, we are caring for them in an area that is separate and isolated from the rest of the hospital. Of course, our cleaning staff is disinfecting frequently touched surfaces and doing a terrific job of keeping our facilities clean.

We also want you to know that if you have sudden symptoms that may indicate an emergency health concern, you can – and you should – seek immediate medical attention.  Tragically, people with serious emergencies, including heart attacks and stroke, are waiting too long for medical care. Getting fast medical treatment could be the difference between life and death – so please, don’t ignore or rationalize the signs of a health emergency.  Call 911, come to the hospital, and get the help you need.

The same goes for chronic conditions and even routine healthcare needs. Many of our doctors offer telehealth visits for those who prefer not to come into the office. But, if an in-person visit is required, we are keeping our offices safe – so you can visit your doctor, if needed.

This hospital week, I am so proud of our team and the way they have stepped up to this new normal. I’m proud of everyone in our community who has stayed home to help flatten the curve and limit the spread of COVID-19.

Standing together we have seen how powerful our human connection really is.  So, keep standing together – but stay six feet apart. Wash your hands frequently. Tell someone how much you appreciate them.  And, if you need healthcare, please don’t be afraid.  We are here and prepared to care for you, and also to keep you safe.

With much gratitude,

Sean T. Dardeau, FACHE

Market Chief Executive Officer

Porter Health Care System

Hospital Week at Porter Regional Hospital has deeper meaning this year
Mind on Money: Identifying winners and losers in a changed world https://valpo.life/article/mind-on-money-identifying-winners-and-losers-in-a-changed-world/ Mon, 11 May 2020 19:53:10 +0000 Marc Ruiz https://valpo.life/article/mind-on-money-identifying-winners-and-losers-in-a-changed-world/ Who doesn’t remember the “just wait till your father comes home” line? I know I do. As a hyperactive 10-year-old, I was always committing some egregious mischief. Our poor, exasperated mom would use the line to instill dread, and instill dread it would.

As soon as she dropped the threat, the neighborhood kid “partners in crime” would scatter, leaving me and my brother to stew in the prospects of our own imminent demise. Only later, after looking back on these events do we realize the stewing was a brilliant and intentional part of Mom’s strategy, and waiting for Dad to get home was, most of the time, worse than Dad actually getting home.

Only now as dads ourselves do we truly realize Dad was probably exhausted when he got home and the last thing he wanted to do was drop the hammer on a couple of preteen stooges. We now understand it was the waiting for the punishment, which was the true punishment after all.

Thanks to COVID-19, we have as a nation, all been thrust together into a collective “waiting for the punishment to come” period, only now we are not waiting for Dad, we are waiting for data. Data to tell us just what the COVID-19 virus and the government and societal response to the virus have done to our economy, and the results are likely to be ugly.

Perhaps the first dreadful piece of data foreshadowing our collective fate was released this week in the form of preliminary first quarter GDP numbers. GDP of course measures the amount of economic activity occurring in our nation, and prior to COVID-19 most economists were expecting GDP to grow somewhere in the range of 2.8% to 3.5% in 2020. GDP growth in this range is like a Goldilocks level of growth, enough to create opportunity, but not enough to drive inflation.

These estimates have been thrown out the window, to be replaced by the harsh reality of social distancing and government-imposed shelter-at-home orders. Preliminary first quarter GDP was revealed this week to a horrendous negative 4.8%, representing the fastest contraction in GDP growth since the 2008 financial crisis.

While these results are horrendous, they also may be the tip of a vicious spear. The first quarter of course included January and February, and while it seems like a lifetime ago now, those months were very normal and quite strong economically.

I have seen some forecast of second quarter 2020 GDP in the negative 30% range. Yes, negative 30%, which according to research by First Trust, has not been experienced in the United States since the demilitarization at the end of World War II. I, for one, never thought I would experience a 30% contraction in GDP, and yet here we are.

GDP, however, can be a fairly abstruse concept, being hard for the government to even calculate. What really hits home to real people is GDP’s tumultuous partner, unemployment. While I could poke holes in the federal government’s unemployment response in the CARES Act, the bottom line is the unemployment rate is exploding at a pace not seen since the Great Depression, with new claims for unemployment running 3,500% higher than just two months ago, before the COVID-19 lockdowns. Before it’s all said and done, it’s quite possible the United States could experience 25 million people collecting unemployment benefits. A true national tragedy.

Yet, the stock market goes up week after week? I understand this can be exasperating to market observers, but in a way I think markets and investors have come to the conclusion that when our economic “Dad” gets home, he’s going to be particularly exhausted, and we might just survive this yet.

Or said in another way, the data is too overwhelming bad to be useful, and so investors have already moved onto the next things. What the next things are, I would surmise is attempting to identify companies who are the winners and losers in our changed world, evaluating the likelihood of COVID-19 relapses when the orders end and ultimately evaluating the speed of the expected and inevitable bounce.

Opinions are solely the writer’s and are for general information only and are not intended to provide specific advice or recommendations for any individual. Stock investing involves risk, including loss of principal. Marc Ruiz is a wealth advisor and partner with Oak Partners and registered representative of LPL Financial. Contact Marc at marc.ruiz@oakpartners.com. Securities offered through LPL Financial, member FINRA/SIPC.

Mind on Money: Identifying winners and losers in a changed world
PPE Marketplace Available to Support Hoosier Small Businesses https://valpo.life/article/ppe-marketplace-available-to-support-hoosier-small-businesses/ Fri, 08 May 2020 20:50:43 +0000 Ed Charbonneau https://valpo.life/article/ppe-marketplace-available-to-support-hoosier-small-businesses/ As many Hoosier small businesses prepare to reopen their doors to the public, the state is offering a new online marketplace to help provide access to the personal protective equipment (PPE) small businesses will need to comply with safe workplace guidelines. 

The Indiana Small Business PPE Marketplace leverages PPE that is being manufactured and sourced by Indiana businesses to help support supplies. 

All businesses and nonprofits are encouraged to acquire PPE on their own and use the marketplace as an alternate resource. 

To be eligible to use the marketplace, a business must be required to use PPE as a condition of operating in order to comply with safe workplace requirements. This includes retailers, restaurants, office settings and personal services. They must also employ fewer than 150 associates and be a business or nonprofit organization registered with the Indiana Secretary of State to do business in Indiana.

Click here to visit the marketplace. An order form for PPE can be found at the bottom of that page.

Senate District 5 Awarded COVID-19 Response Funding
Lt. Gov. Suzanne Crouch and the Indiana Office of Community and Rural Affairs recently announced rural communities across the state will receive more than $10.7 million from the new COVID-19 Response Program.

In Senate District 5, the following communities will receive funding.

The town of Hebron is receiving $152,500 to create a fund to provide short-term working capital for small businesses in order to retain jobs. 

The town of LaCrosse is receiving $10,000 to install four WiFi hotspots for residents to access the internet to complete e-learning activities, file unemployment claims and submit job applications.   

LaPorte County is receiving $250,000 to provide grants to small business to serve as working capital for the purpose of retaining jobs within those businesses.

Starke County is receiving $75,000 to establish service through a local non-profit to deliver needed supplies to quarantined individuals or those who are medically vulnerable.

For further information on the program, click here.

Updated Guidance for Churches
Gov. Holcomb recently announced a plan to reopen Indiana in staggered phases.

As part of this announcement, effective Friday, May 8, churches will be able to have in-person services, though they are encouraged to practice social distancing.

Click here to view the updated guidance document.

PPE Marketplace Available to Support Hoosier Small Businesses
How is COVID-19 affecting the Valparaiso Real Estate Market? https://valpo.life/article/how-is-covid-19-affecting-the-valparaiso-real-estate-market/ Thu, 07 May 2020 22:59:07 +0000 Jeanne Sommer https://valpo.life/article/how-is-covid-19-affecting-the-valparaiso-real-estate-market/ Despite COVID-19, the real estate market in Valparaiso is as active as ever. Sure, there are several sellers who were planning to list in May who are now waiting until June to put their homes on the market. But even so, we went into the first quarter of this year with such momentum compared to 2019 that we have yet to see any serious effects that the virus is having on housing.

The main reason the real estate market has remained relatively unscathed during this time is because we simply do not have enough inventory. It all comes down to supply and demand. Due to low inventory over the last few years, demand is higher than ever. There are buyers who have been waiting for months to purchase and they are more than ready to pounce on that next home that hits the market.

Here is what is going on in the Valparaiso real estate market right now (May 7, 2020)

There are only 166 homes (single-family, duplex, condo, or townhome) on the market in Valparaiso right now. From January to April of this year, an average of 87 homes have sold each month. This means that if another home does not come on the market, we currently only have less than two months of inventory. The situation is similar in Porter County. There are only 338 homes on the market and an average of 166 homes are selling each month. At that rate, we have two months of inventory available. A normal market is considered to have four to six of inventory but when inventory is low, we consider it a seller’s market. The limited inventory paired with the lower interest rates we are seeing today makes it a good time to list.

Buyers these days are savvy. They know that with low interest rates and a volatile stock market, there aren’t investment opportunities much better than a home in a great community where average sales prices continue to go up. In the first quarter of 2019, the average sales price of a home was $244,213 compared to this year’s first quarter average sales price of $268,995. That’s a 10 percent increase over the course of one year! Year after year, we watch prices increase yet the number of homes sold stays the same. Coming back to supply and demand – it is because buyers have fewer homes on the market to choose from.

Some sellers who are pricing their homes right are seeing offers on their property during the first few days of the home being listed. This is happening more and more since pre-approved buyers have been diligently watching the market for the next home to be listed. As soon as it hits the market, they are quick to schedule a showing and make an offer. It is not unusual to get several offers on a property during the first few days it is listed while overpriced listings may sit on the market. Pricing a home right is key and it’s important becuase you don’t want it sitting on the market for a long period of time yet you don’t want to leave money on the table.

When all of this is said and done, I do believe there will be some effects on the housing market. Yet I think we will be better off than many other areas. We are fortunate to live in a smaller town that has a university and is so close to Chicago. I am proud to be a part of this community and hope that you are, too. 

If you want to see what your home is worth, please contact me at 219-462-2090 ext. 210 or email me at jeannesommer@21alliance.com.

Jeanne Sommer
Century 21 Alliance Group

How is COVID-19 affecting the Valparaiso Real Estate Market?