CHICAGO STATE UNIVERSITY COUGARS
GOLF READY FOR NEW SEASON
Jean Macon, Director of Golf at Chicago State University, is looking forward to the golf team’s upcoming season. Macon has been in the role at Chicago State University since March. Prior to that, Macon was the head golf coach at Johnson & Wales University in Charlotte, NC. Macon is also a veteran of the Iraq War and was a police officer for 14 years.
Macon, has been the Director of Golf at Chicago State University since March 2024.
REP. RITA JOINS STATE, LOCAL OFFICIALS TO CELEBRATE OPENING OF ROCKFORD
CASINO
ROCKFORD – A northern Illinois city is celebrating a major economic development win, and State Rep. Bob Rita was there to help make it happen and join in the celebration.
Rep. Rita, D-Blue Island, joined state and local officials Thursday, Aug. 29, in Rockford for the debut of the $300 million Hard Rock Casino Rockford. It is one of six casinos fueling economic activity and job growth in communities across Illinois, as part of a legislative package pushed through the Legislature by Rep. Rita in 2019.
The new 175,000-square-foot casino features nearly 1,300 slot machines, 50 live table games including poker, a sportsbook, and a 1,600 seat Hard Rock Live entertainment venue drawing major musical artists. Players can enjoy several dining options in the casino and dozens of music memorabilia items are on display including guitars owned by Rockford native and Cheap Trick guitarist Rick Nielsen.
Rita’s hard work on the 2019 gaming bill was acknowledged at the grand opening ceremony featuring a live orchestra, speeches from dignitaries, and a “guitar smash” that is a Hard Rock signature.
Both Rockford Mayor Tom McNamara and Gov. JB Pritzker spoke at length about Rep. Rita’s determination to help communities like Rockford by authorizing casinos that now are injecting new life into local economies. More than 1,200 union workers helped build the state-of-the-art facility in Rockford.
Rep. Rita said he was grateful for the gracious welcome he received in Rockford and looks forward to an even bigger celebration this fall with the opening of the Wind Creek Chicago Southland casino, a top priority for him in that gaming legislation.
LOCAL WOMAN WINS NATIONAL AWARD FOR COMMITMENT TO SERVICE
Ashley Hernandez, alum of YouthBuild Lake County, honored with 2024 YouthBuild AmeriCorps Spirit of Service Award
CHICAGO — Ashley Hernandez, a graduate of YouthBuild Lake County, has been nationally recognized for her outstanding leadership through service. Hernandez, 18, was selected from thousands of members across the country to receive one of four awards given out by YouthBuild USA for their annual Spirit of Service Awards.
The winners were announced at the State of YouthBuild USA AmeriCorps and Member Award Presentation on August 15. Hernandez was selected to receive the Alum of the Year award for her commitment to personal growth and serving the Chicago community.
Hernandez came to YouthBuild Lake County with a distinct desire to succeed. She was consistent in her attendance, work and desire to give back. She completed 480 total AmeriCorps hours — the highest in her cohort — and earned multiple credentials in various fields including construction, CPR and customer service. During her time at YouthBuild Lake County, Hernandez also helped beautify the transitional living quarters of a domestic violence shelter for women and children, and led and managed a large group of volunteers to build playgrounds for children.
Approximately 2,148 YouthBuild AmeriCorps members in 59 programs across 26 states build affordable housing and provide community healthcare, conservation efforts, recycling and sustainability, computer infrastructure, and child development services for individuals and families. Over the next year, YouthBuild AmeriCorps members will provide more than 750,000 direct service hours and will build at least 240 units of affordable housing for low-income individuals and families.
Chicago State University Cougars Are Golf Ready For New Season
Continued from page 1
BY TIA CAROL JONES
Chicago State University has had a golf team since around 1997. Back then, they were in the Mid-Continent Conference. Recently, the school transitioned from the Ohio Valley State Conference to the Northeastern Conference (NEC). Macon is excited about moving into this conference. It is the same conference that Howard University, Norfolk State University, Coppin State University and University of Maryland Eastern Shore are in.
Macon has been playing golf more than 25 years. She was inspired to play by Dr. Charlie Sifford. Sifford was the first African American to play on the PGA Tour. A golf course is named after him in Charlotte.
“He was like a mentor to me. I met him on several occasions. A very inspiring man, a legend in the African American community when it comes to golf. I wanted to get my LGPA credentials in his honor. So, that’s what I decided to do,” Macon said.
Macon said she wanted to come to Chicago State University because of the University’s demographics, and she wanted the opportunity to help build the program as it goes into the NEC. The women’s team had been without a coach for a year, and she felt the team could use her LGPA background.
“I enjoy being the coach over men’s and women’s golf. It gave me a great opportunity to move up from D3 to D1, so I was really looking forward to that,” Macon said, adding that Dr. Monique Carroll, Vice President & Athletic Director at Chicago State University, is really excited about golf, so Macon was excited to come to the school.
Last season, the women’s team won a tournament and came in third at the Women’s Golf Championship and the men’s team beat opponents they hadn’t beaten previously.
Because Macon came at the middle of the season, her goal for the team was to get through the season. This year, with the recruitment of players from North Carolina and Spain, Macon’s expectations are higher.
Macon is looking to compete in the NEC, with opponents like Howard, who won the conference last year. The team is in a stage of rebuilding and Macon believes that the team can compete and it is going to make some noise this year.
Because Macon is LGPA-certified, she is an instructor in addition to being a coach. She instructs and teaches from the green back to the tee box, and really focuses on short game. She said it is the quickest way to drop strokes from a player’s game. She takes the players to Harborside, which is their home course, to work on short game. They work on putting, pitching and chipping.
Macon’s advice for parents who want to get their children started in golf is to look at the First Tee program. PGA and LPGA also have programs they have launched with the goal of making golf more diverse. Those programs are free to get involved in. The community can support the golf team at Chicago State University by donating money to the program, or volunteering during tournaments. Macon wants to host a Charity Golf Tournament in June 2025, as well as a Golf Invitational in Fall 2025. She would like to invite all the women’s golf leagues to come out and play.
Macon is also looking at ways the players can give back to the community. The players are required to do 120 hours of community service during the year as a way to give back to the community. For more information about Chicago State University, visit www.csucougars.com.
Illinois Celebrates National Recovery Month
CHICAGO — In a new proclamation, Governor JB Pritzker acknowledged September as National Recovery Month in Illinois — a celebration of those in recovery from mental health and substance use conditions and an opportunity to promote new evidence-based treatment and recovery practices. The Illinois Department of Human Services (IDHS) and its community partners will raise awareness of recovery from substance use and/or mental health conditions all through the month.
Throughout Recovery Month, IDHS will partner with providers to host public awareness events such as trainings, speaking engagements, memorials, and online activities. IDHS will also join the campaign to light the Chicago skyline purple from September 3-9, which symbolizes recovery. IDHS will encourage the use of the hashtag #RecoveryBelongsIL to normalize recovery. These events are critical to addressing and removing the stigma associated with recovery and encouraging public support. It is also a time to celebrate people who are in recovery as a beacon of hope for those still struggling with substance use and/or mental health conditions.
“At IDHS, we foster public understanding and acceptance of the benefits of prevention, treatment, and recovery from behavioral health conditions. As we celebrate National Recovery Month, we are reminded that recovery benefits individuals, families, and their communities. Together, we will succeed in further increasing awareness, reducing stigma, and improving access to support,” said Secretary Designate Dulce M. Quintero.
In addition, for the first time, Chicago will host the 2024 National Recovery Rally Hub Event on September 21. People in recovery, their families and friends, and advocates from across the country will gather to celebrate and participate in a day full of
recovery- centered education and community awareness.
The IDHS Division of Substance Use Prevention and Recovery (SUPR) continues to promote and implement strategies targeted at reducing the potential harms of substance use in Illinois. In State fiscal year 2024, organizations enrolled in the Drug Overdose Prevention Program (DOPP) trained over 46,000 people on how to recognize signs of an opioid overdose and respond by administering naloxone. In the same time period, DOPP-enrolled organizations distributed over 193,000 naloxone kits resulting in at least 3,175 DOPP-reported overdose reversals. In fiscal year 2022 alone, SUPR also funded treatment services for over 39,400 people across the state who were suffering from substance use disorders.
The State continues to provide important recovery resources for residents and to celebrate people who are in recovery from substance use and/or mental health conditions. Please visit the federal Substance Abuse and Mental Health Service Administration website to learn more about this important month and how you can get involved.
If you or someone you know is suffering from a substance use disorder, contact the Illinois Helpline for Opioids and Other Substances by calling 1-833-2FINDHELP (1-833-234-6343), texting “HELP” to 833234, or visiting: www.helplineIL.org.
For mental health and other crisis support, dial 9-8-8 for the Suicide and Crisis Lifeline anytime (24/7/365).
For recovery and wellness support, call the Illinois Warm Line at 866-359-7953, Monday - Saturday, 8 a.m. - 8 p.m. This line pro-
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Chicago State University Golf Coach Jean Macon with students
Almudena Aguera and Faith McKinney at the EPSON Tour in South Bend, Ind. PHOTO PROVIDED BY CHICAGO STATE UNIVERSITY.
CHICAGO — Mayor Brandon Johnson released the City of Chicago 2025 Budget Forecast, offering a comprehensive financial outlook that addresses the City’s current year-end estimates and outlines projected revenues, expenditures, and fiscal challenges for fiscal years 20252027. These projections are informed by historical revenue and expenditure data, current economic and expense trends, and other factors expected to impact the City’s finances.
The forecast is built on a robust analysis that integrates these various data points, ensuring that the 2025 budget is developed with a full understanding of the City’s financial state and a forward-looking perspective. This approach allows the City to strategically consider long-term fiscal consequences. The forecast primarily focuses on the City of Chicago’s Corporate
Fund — its general operating fund responsible for funding basic City operations and services — where the largest disparities between revenues and expenditures have historically occurred.
The collective work of the City’s fiscal teams, made up of the City Budget Office, Chief Financial Officer, and the Department of Finance, has identified an estimated year-end budget deficit of $222.9 million for 2024, and a projected 2025 fiscal year budget gap of $982.4 million. These gaps are largely driven by rising personnel, pension, and contractual costs, alongside a decrease in specific revenue streams.
The City continues to leverage fund balances and explore additional cost-saving measures to ensure fiscal responsibility and an end-of-year balanced budget.
While economic conditions may fluctuate throughout the remainder of the year, potentially impacting the City’s finances in either a positive or negative direction, Mayor Johnson and his fiscal leaders are laser focused on containing expenditures through disciplined spending and by maximizing available resources in the months ahead.
2025 Budget Forecast
The Alzheimer’s Association Will Turn The City Skyline Purple
The Alzheimer’s Association is turning the Chicago Skyline purple this week (9/9 - 9/14/24). This is in recognition of World Alzheimer’s Day and the Walk to End Alzheimer’s in Chicago on Saturday, September 21. The Association is making an effort to raise awareness of Alzheimer’s and honor those affected by the disease.
“The 2025 Budget Forecast presents a significant challenge for our City, with a nearly $1 billion gap that we must address thoughtfully and strategically,” Mayor Brandon Johnson said. “My administration is committed to finding solutions that balance fiscal responsibility with our obligation to invest in the people of Chicago. Together, we will ensure our budget reflects the values of equity, fairness, and shared prosperity.”
Budget Director Annette Guzman added, “The forecasted budget gap is a clear indication of the financial pressures facing the City of Chicago. It also highlights the critical need for structural solutions that address these challenges not just for the coming year, but for the future. We will continue to explore all options to close this gap while minimizing impact on essential services and making prudent investments in our city’s future.”
Year-End Estimate
The year-end projected shortfall is driven by a decline in specific revenue streams, including the State Personal Property Replacement Tax (PPRT) and the City not receiving the budgeted $175 million reimbursement for pension contributions for Chicago Public Schools’ (CPS) non-teacher staff.
Looking ahead, the 2025 forecast projects a substantial budget gap of $982.4 million, reflecting the City’s ongoing revenue challenges and rising costs. The forecast anticipates continued pressure from lower PPRT revenues and the expiration of one-time funding sources that helped close gaps in previous years. Additionally, rising personnel costs, driven by contractual wage increases, cost-of-living adjustments, and updated pension contributions, are significant factors contributing to the projected gap.
The forecast also highlights an increase in contractual services expenses, expected to rise by $16.1 million from 2024 levels, due to inflationary pressures and planned enhancements in information technology services.
The 2025 Budget will mark the sixth year for the City’s Police and Fire Pensions, and the fourth year for the Municipal and Laborers Pension Funds, in which contributions will be based on actuarially calculated, statutorily required contributions. The City plans to make advance pension payments totaling $272 million in 2025, further demonstrating its commitment to addressing long-term pension liabilities.
Few cities can boast a skyline as iconic as Chicago: powerful buildings that display how the city rose from the ashes of the 1871 Chicago Fire, the city later becoming known for inventing the skyscraper. Two buildings that shine brightly are the Willis Tower (formerly known as the Sears Tower, 1,450 ft.) and the John Hancock Center (1,128 ft.), both completed in the 1970s thanks to an architect named Bruce Graham, who passed away from complications of Alzheimer’s in 2010.
The Alzheimer’s Association is inviting Chicago residents to join the fight to end Alzheimer’s by participating in the Alzheimer’s Association Walk to End Alzheimer’s® on World Alzheimer’s Day, Saturday, September 21, 2024 at Soldier Field (Southeast Lawn), 1410 Special Olympics Dr., in Chicago, IL.
“This is a pivotal moment in the fight against Alzheimer’s. There are now treatments that change the course of the disease,” said, Mary DeMars, Alzheimer’s Association Walk Director “We hope that everyone in our community can join us by starting a team to help the Alzheimer’s Association raise awareness and funds for families facing the disease today, take more steps toward treatments and finally ending this disease.”
CHATHAM-SOUTHEAST
Chatham, Avalon Park, Park Manor,GreaterGrand Crossing, Burnside,Chesterfield, West Chersterfield, South Shore,and Calumet Heitghts.
SOUTH END
Washington Heights,Roseland,Rosemoor, Englewood,West Englewood, Auburn-Gresham, Morgan Park, Maple Park, Mt. Vernon, Fernwood, Bellevue, Beverly, Pullman, West Pullman, West Pullman,Riverdale, Jeffrey Manor and Hegewisch.
SOUTH SUBURBAN
Serves communities in Harvey, Markham, Phoenix, Robbins, Dixmoor, Calumet Park, Blue Island,SouthHolland,and Dolton. Shopping- their favorite pastime!
HYDE PARK Lake Meadows, Oakland, Prairie Shores,Douglas, Grand Boulevard, Kenwood, Woodland,South Shore and Hyde Park.
CHICAGO WEEKEND Chicago Westside Communities, Austin and Garfield Park
SUBURBAN TIMES WEEKLY
BloomTownship, Chicago Heights, Flossmoor,FordHeights, Glenwood, Homewood, Lansing ,Lynwood, Olympia Fileds, Park Forest,Sauk Village,South Chicago and Steger Citizen Newspaper Group Inc., (CNGII),
Local tax revenues have remained resilient, with an estimated 0.8 percent increase over budget projections, buoyed by stronger-than-expected performance in transaction taxes and ground transportation taxes. However, these gains were offset by lower-than-anticipated utility taxes and other revenue sources.
vides phone-based wellness and recovery support for anyone in Illinois. It is staffed by people who identify as individuals in recovery and therefore provides a unique blend of self-directed, empowering support, with education that includes resource materials and contacts.
IDHS is the State’s largest agency, with more than 14,000 employees. IDHS is a principal department of the State of Illinois that provides public assistance, family and community services, child care, and services to people with disabilities throughout the State, and that oversees mental health and substance use prevention and recovery services. IDHS is proud of its diversity, efficiency, and the services that the agency and its community partners provide to
“While the road ahead may be challenging, I am confident in our ability to navigate these difficulties with the strength and resilience that Chicagoans are known for,” Mayor Brandon Johnson said. “Together, we will build a budget that not only addresses our current challenges but also lays the foundation for a brighter, more prosperous future for all.”
To access the City of Chicago’s 2025 Budget Forecast, click here: chi.gov/FY2025BudgetForecast.
Illinois residents.
IDHS always strives for and drives toward equity. IDHS is accountable for providing relief and assistance to those who are in greatest need and who have been marginalized from resources and opportunities. IDHS protects and supports people who experience or are at risk of homelessness, immigrant and refugee families, victims of domestic violence, victims of firearm violence, people with disabilities, opportunity youth (young people who are between the ages of 16 to 24 years old and are disconnected from school and work), unemployed adults, and individuals and families who are at risk of being food insecure.
On Walk day, participants honor those affected by Alzheimer’s with the poignant Promise Garden ceremony — a mission-focused experience that signifies our solidarity in the fight against the disease. During the ceremony, walkers will carry flowers of various colors, each color representing their connection to the disease. After the Promise Garden Ceremony, participants will walk along the lake and then come back through the Soldier Field Concourse and back to the southeast lawn for a festival filled with live music by the School of Rock house band, family activities, food trucks and more!
Nearly 7 million Americans are living with Alzheimer’s disease – a leading cause of death in the United States. Additionally, more than 11 million family members and friends provide care to people living with Alzheimer’s and other dementias. In Illinois, there are more than 266,500 people living with the disease and 314,000 caregivers.
To register and receive the latest updates on this year’s Walk to End Alzheimer’s, visit http://act.alz.org/ chicagowalk
Contact: Lionell Martin, Public Relations Manager, Alzheimer’s Association, lrmartin@alz.org, 773.593. 4211
About the Alzheimer’s Association - Illinois Chapter:
The Alzheimer’s Association offers a 24/7 Helpline (800.272.3900) is available 365 days a year. Through this free service, specialists and master’s-level clinicians offer confidential support and information to people living with dementia, caregivers, families and the public. For more information about Alzheimer’s disease or the Alzheimer’s Association Illinois Chapter, visit alz.org/ illinois or call (800) 272-3900. For the latest news and updates, follow us on Facebook, Twitter and Instagram.
ELIZABETH “LIZZIE G” ELIE
Finaya and Money Management International team up to
help guide First Time Home Buyers and Underserved Communities
PALO ALTO, Calif., PRNewswire -- Finaya, the onestop shop for homeownership, announces a strategic partnership with Money Management International, a leading provider of housing counseling and debt management services to guide first-time homebuyers and underserved customers in diverse segments through their homeownership journeys. In light of today’s challenging real estate market, where the dream of homeownership has become increasingly unattainable for many, particularly for African American and Hispanic American customers, Finaya and Money Management International are committed to addressing the issue through education, resources and collaboration with like-minded partners.
than ever, and Finaya is poised to strongly support this community.
“Housing affordability is one of the most debilitating challenges of our time, particularly for first time home buyers from diverse constituencies,” said Naren Nath, CEO of Finaya. “We are committed to providing education, guidance, counseling and resources to help communities before, during and throughout their homeownership journeys, in close partnership with Money Management International and other key partners in the space.”
Today, the homeownership gap keeps widening. As the US Census Bureau’s American Community Survey conducted for 2023 points out, the homeownership gap keeps widening, with only 47% of people of color owning homes vs 71.1% for the white population.
In particular, the Hispanic population continues to grow, making up for 54.7% of US population growth between 2012-2022, according to the survey. Furthermore, Latinos with college degrees increased by 90% during this time, far outpacing the 34% overall. According to the Federal Reserve Survey of Consumer Finances, Latinos with college degrees have a median net worth of $229,000 vs those with no college degrees, where the median net worth is $41,000. The purchasing power of Latinos, including for homeownership, is rising faster
“We believe that owning a home should be more accessible, and MMI is positioned to help prospective homebuyers, particularly those in underserved communities and credit-challenged segments,” said Helene Raynaud, SVP of Housing Initiatives at Money Management International. “Partnering with Finaya allows us to reach those who are learning about home buying, preparing for homeownership, and seeking personalized advice in order to achieve this cornerstone of the American Dream.”
Concurrent with this partnership, Finaya is launching a comprehensive yet easy to navigate Learn section on its site. Here, home buyers and sellers can get a bird’s eye view of the home purchase and sale journeys, zoom in wherever they would like additional details, and zoom back out to get full context. Consumers can familiarize themselves with the steps involved in home buying and selling at their own pace, with no sales pressure, and also leverage helpful links to partner sites to further their understanding. If they are interested, they can
explore further, shop the Finaya marketplace for homes, mortgages, insurance and other home-related services without needing to talk to any sales representative until they are ready to.
Finaya thus continues to expand its offerings, which now include home buying and selling, loans, and insurance, with additional services that will be available on the digital marketplace soon. To find out more about MMI and how Finaya and MMI are working together, visit our website at www.finaya.com and head to the Finaya Learn section or the Money Management International website.
Social Media:
Facebook - Finaya
Instagram: @finayahome
TikTok: @finayahome
X: @finayahome
Finaya is a comprehensive platform designed to simplify the journey of homeownership. From mortgage services to real estate solutions, Finaya provides the tools and resources needed to manage all aspects of owning a home in one convenient location.
Money Management International (MMI) has been at the forefront of financial health solutions for over 65 years. As a leading nonprofit organization, MMI is dedicated to changing how America overcomes financial challenges by offering timely and expert guidance. Recognized by major financial organizations and media groups, MMI’s programs help individuals overcome their financial burdens and foster a life of financial wellness. Learn more at MoneyManagement.org.
BMO Expands Zero Barriers to Business Programs
CHICAGO, PRNewswire -- BMO announced the expansion of its Zero Barriers to Business programs to include Asian, LGBTQ+ and Veteran-owned businesses, building on its widely recognized BMO for Black, Hispanic/Latino, Native and Women-owned programs. The programs break down barriers for historically underserved groups through inclusive banking products, services and resources as part of BMO EMpower 2.0, the bank’s more than $40 billion community benefits plan.
BMO’s Zero Barriers to Business includes:
Access to capital: Business owners receive access to working capital with preferential pricing. Qualified small businesses can obtain a revolving line of credit that allows them to pay interest on what they borrow. They can also qualify for rate discounts when setting up automatic payments from a BMO Business or Personal Checking account. 2,3
Access to education: Free access to practical tools such as business plan templates, profit improvement calculators, podcasts, webinars and coaching to help business owners achieve their goals.
Access to partnerships: BMO is continually forming new partnerships with organizations that give business owners access to meaningful networks, additional coaching, educational resources, and alternative funding sources.
Since launching the first programs in 2020, the bank has helped small businesses make real financial progress by:
Approving $108 million small business loans.
Funding more than 4,000+ small businesses.
Providing more than 1,500 hours of educational webinars and business literacy workshops supporting
6,000 business owners in collaboration with organizations such as Illinois Hispanic Chamber of Commerce, Chicago Urban League, Sunshine Enterprises, and Wisconsin Women’s Business Initiative Corporation.
Securing 50+ non-profit Community Development Financial Institutions (CDFI) Fund partnerships to support access to capital, education, and networking opportunities for diverse small business owners.
BMO is working with several organizations to support Asian, LGBTQ+ and Veteran-owned businesses, such as Southeast Asian Community Center (SEACC) in San Francisco, Pacific Asian Consortium in Employment (PACE) in Los Angeles, Asian Pacific Islander Small Business Collaborative (API SBC) in Los Angeles, Asian American Chamber of Commerce of Illinois, National LGBT Chamber of Commerce (NGLCC), and D’Aniello Institute for Veterans and Military Families (IVMF).
Background on BMO’s Zero Barriers to Business program:
Zero Barriers to Business helps business owners in 24 states: Arizona, California, Colorado, Florida, Idaho, Illinois, Iowa, Indiana, Kansas, Michigan, Minnesota, Missouri, Nebraska, Nevada, New Mexico, North Dakota, Oklahoma, Oregon, South Dakota, Texas, Utah, Washington, Wisconsin and Wyoming (Businesses located in Michigan or Texas must be within 100 miles of a BMO full-service retail branch).1
1. For businesses with annual revenues of $10 million or less and total combined credit exposure at BMO of $50,000 or less, that are at least 51% owned and controlled by individuals that self-identify as Asian, Black or African American, Hispanic or Latino, LGBTQ+ (defined as Lesbian, Gay, Bisexual, Trans-
gender, or Queer/Questioning, or individuals that self-identify as members of the LGBTQ+ community), Native American (American Indian, Alaska Native or Native Hawaiian), Veteran (defined as having served in the Army, Navy, Marine Corps, Air Force, Coast Guard, Space Force or National Guard including any member of a reserve component of the foregoing services, and was discharged or released from service under conditions other than dishonorable) or Women. Businesses must (i) provide a Certificate of Good Standing from one of the 50 U.S. states, Washington D.C., or a tribal nation with a legal code for establishing business entities or corporations* and (ii) have a physical business presence (or if no physical location, a mailing address for their headquarters) located in at least one of the following states: AZ, CA, CO, FL, ID, IL, IN, IA, KS, MI**, MN, MO, NE, NV, NM, ND, OK, OR, SD, TX**, UT, WA, WI, or WY. *Sole proprietors and general partnerships may also apply for the program. **Businesses located in Michigan or Texas must be within 100 miles of a BMO full-service retail branch and must apply through a paper application form.
2. Applicants approved for a line of credit must have a BMO business checking account or a BMO personal checking account (if a sole proprietor) opened before loan closing.
3. Automatic payment from a BMO business checking account or a BMO personal checking account (if a sole proprietor) is required to be established at loan closing in order to receive the 0.25% rate reduction.
Banking products are subject to approval and are provided in the United States by BMO Bank N.A Member FDIC. (07/24)
PRNewsfoto/Finaya
KISS COLORS & CARE WELCOMES
ARI LENNOX AS ITS NEWEST BRAND PARTNER
PORT WASHINGTON, N.Y., PRNewswire -- KISS Colors & Care, the award-winning textured hair brand, is thrilled to announce today Grammy-nominated singer, Ari Lennox, as its newest brand partner. In conjunction with this exciting collaboration KISS Colors & Care is spotlighting the new Edge Fixer Extreme, specifically formulated for 4C hair, and the versatile Edge Fixer Wax Stick.
“I am excited to partner with KISS Colors & Care, a brand that truly understands and meets the unique needs of textured hair. Representation and diversity in beauty are incredibly important to me, especially since Black women are often overlooked in the industry. KISS Colors & Care celebrates self-expression and creativity, and I believe everyone should feel empowered to be their true selves. Through this collaboration, I’m eager to celebrate natural beauty and inspire others to embrace their own with confidence,” says Ari Lennox.
KISS Colors & Care is dedicated to celebrating individual empowerment and self-expression throughout the hair journey of its consumers by delivering high-quality, nourishing, innovative products to style their hair with confidence. This partnership underscores the brand’s unwavering commitment to providing hair care and styling solutions tailored to the specific needs of textured hair.
“We are proud to welcome Ari Lennox as KISS Colors & Care’s newest partner as our brand continues to celebrate the diversity and versatility of textured hair. Known for her soulful music and natural beauty, Ari Lennox embodies the spirit of authenticity and self-expression that KISS Colors & Care champions, says Jennifer Clark, Director of Marketing. “We take pride in offering tools that empower our customers to nurture and style their hair with confidence. Together, we aim to inspire women of color to embrace their individuality
and express themselves unapologetically through their unique style.”
Committed to catering to the needs of the textured hair community, KISS Colors & Care remains dedicated to innovating revolutionary formulas specifically designed for curly and coily hair types. This collaboration aims to empower individuals to express themselves with confidence and style without any need for compromise.
Edge Fixer Extreme
With its exceptional hold, the Edge Fixer Extreme is specifically designed to address the nuances of 4C hair, providing the ultimate styling support for this often underserved and overlooked demographic. Available in both mango and fragrance-free variants. The fragrance-free extreme hold gel caters to individuals with sensitive scalps while still offering maximum performance.
Edge Fixer Wax Stick
KISS Colors & Care’s best-selling edge fixer is available as a versatile hair wax stick, offering effortless and controlled styling with its convenient push-up design. This non-oily, flake-free is infused with Biotin B7 to help strengthen hair and provides 24-hour hold, making it ideal for sleek, slicked-back looks, taming flyaways, and perfecting edge styling.
KISS Colors & Care features an award-winning collection of styling products infused with gold standard ingredients like organic Jamaican black castor oil, Rosemary Oil, Peppermint Oil, Honey, and Biotin B7 and hair-healthy accessories made with high-quality fabrics to safely protect hair and prevent frizz. Innovation is centered around textured hair to provide healthy solutions for a wide array of hair types and textures so that consumers can confidently express their hair and style. To learn more about KISS Colors & Care please visit KISScolorsandcare.com and follow the brand on Instagram, @kisscolorsandcare.
NEW YORK YANKEES AND AARON JUDGE x TALL ORDER COLLABORATE ON SOCKS
NEW YORK, PRNewswire -- The New York Yankees, Tall Order, and United Legwear & Apparel Co. (ULAC) have created premium pinstriped athletic socks featuring two embroidered logos: the Yankees’ iconic interlocking NY logo and the Aaron Judge x Tall Order logo.
Tall Order was launched in 2017 by Dan and Mike Friedman, whose father Andrew perished in the World Trade Center attacks on 9/11. With their mother Lisa, they brought supplies and socks to first responders at Ground Zero and vowed to give back someday. Tall Order gives a portion of sales to health and human services organizations and select non-profits to make good on their promise.
“It’s an honor for the Yankees to work closely with Tall Order, which devotes so much of its energy to such meaningful and impactful philanthropy,” said Deborah A. Tymon, New York Yankees Senior Vice President, Marketing.
“Aaron contacted us in 2021 to make him custom socks, and the rest is history,” said Lisa Friedman. “Now he’s an equity partner in the company, along with United Legwear & Apparel Co. The socks that will be given to fans next month are replicas of Aaron’s custom performance socks.”
27 World Series championships and 40 American League pennants. The club plays its home games at Yankee Stadium, which has received a Tripadvisor Travelers’ Choice Award in both 2023 and 2024. As one of New York City’s most-frequented tourist destinations, the Stadium is home to numerous non-baseball events, including concerts, soccer and college football’s Bad Boy Mowers Pinstripe Bowl. As a result of their on-field accomplishments and iconic interlocking “NY” logo, the Yankees’ brand is among the most recognized in the world.
As a gesture of support for Tall Order’s mission, ULAC, which manufactures and distributes Tall Order’s products, will generously donate 15% of sales for the month of September (exclusions apply; see tallorder.com for details) to the Tunnel to Towers Foundation. ULAC also donated 18,000 pairs of socks for the Stadium giveaway.
“I’ll never forget the first game played at Yankee Stadium two weeks after the attacks,” said Isaac E. Ash, President and CEO of United Legwear & Apparel Co. “Baseball and our New York Yankees helped the City start to heal. It’s my pleasure to give back.”
“The Tunnel to Towers Foundation is truly thankful for the support of United Legwear & Apparel Co., Tall Order, and the New York Yankees,” said Frank Siller, Chairman & CEO of the Tunnel to Towers Foundation. “Their generosity will advance our mission to educate future generations about the heroism shown on September 11, 2001, provide for military and first responder families, and work towards eliminating homelessness within the veteran community.”
Founded in 1903, the New York Yankees (www.yankees.com and @ yankees on social media) are the most successful and popular team in Major League Baseball history, having won
Tall Order is a premium apparel and accessories company focusing on regular and extended sizes and comfort for all. The company was founded by twin brothers Mike and Dan Friedman to fulfill the “Tall Order” of paying it forward in memory of their dad, and 9/11 victim, Andrew Friedman. A portion of all proceeds is donated to many health and human service organizations including those that support communities facing tragic loss, first responders, and military families. United Legwear & Apparel Co. (unitedlegwear.com) is a 26-year-old New York City-based global designer, manufacturer, and distributor of legwear, bodywear, apparel, and accessories. Founded by Isaac E. Ash, United Legwear & Apparel Co. (ULAC) is a joint venture partner with PUMA North America; has distribution partnerships with Scotch & Soda, Hurley, and Ted Baker; maintains highly-recognized licensed brands such as Skechers, Van Heusen, DKNY, Champion, and Weatherproof; owns the Pro Player and Lemon brands, and has a portfolio of private-label brands. ULAC’s mission is to produce and distribute products of highest quality and best value while working with integrity and fairness.
Born from the tragedy of 9/11, the Tunnel to Towers Foundation carries out its mission to “do good,” by providing mortgage-free homes to Gold Star and fallen first responder families with young children and by building specially adapted smart homes for catastrophically injured veterans and first responders. Tunnel to Towers is also committed to eradicating veteran homelessness and helping America Never Forget September 11, 2001. Visit T2T.org to learn more and follow Tunnel to Towers on Facebook, X, and Instagram at @Tunnel2Towers.
Aaron Judge for Tall Order. PRNewsfoto/United Legwear & Apparel Co.
KISS Colors & Care
Photos By L.M. Warbington Photography
ENTERTAINMENT
All-Nigerian Voice Cast Unveiled for “Iyanu” Animated Superhero
Series Coming to Cartoon Network and Max
(Black PR Wire) Cartoon Network and Max announced recently the all-Nigerian cast for “Iyanu,” the epic superhero animated-series steeped in Nigerian culture and mythology. A Lion Forge Entertainment production, “Iyanu” is an adaptation of Dark Horse Comics/ YouNeek Studios’ popular graphic novel series Iyanu: Child of Wonder by award-winning Nigerian creator and producer Roye Okupe. Leading the voice cast is Serah Johnson as Iyanu, a teenage heroine who must uncover the mystery behind her newfound powers to save her people from an ancient curse threatening to destroy humanity. Johnson, known for her extensive voiceover work within the animation industry and audiobooks, is the first Nigerian and African to win the Society of Voice Arts Award (SOVAS) for Outstanding Animation Character - Film or TV - Best African VoiceOver for her work on “Moji.”
he was both a writer and performer.
In Addition to Johnson, “Iyanu” is made up of promising new talent along with experienced and esteemed actors including TV personality and City People Award winner for Fast Rising Male Actor Okey Jude (“Hotel Labamba,” “The Governor’s Daughter”) who joins the cast as Biyi, Iyanu’s carefree adventurer friend. Recognized as the official IVR (Interactive Voice Response) on Nigeria’s largest telecommunications network MTN between 2013 and 2015, Jude also earned an Africa Choice Awards nomination for “The Most Promising Male Movie Star of 2022.” Samuel Kugbiyi, a multifaceted artist with a career spanning from childhood, comes on board as Iyanu’s bookworm friend Toye. Noteworthy among Kugbiyi’s creative endeavors is the acclaimed musical drama “Tafiya Lafiya: The Journey,” where
African Movie Academy Awards winner and Nollywood actress Adesua Etomi-Wellington (“King of Boys,” “Gangs of Lagos”) will voice Olori, who Vogue named as one of their 14 global superstars in 2019 alongside Scarlett Johansson, Deepika Padukone and Vanessa Kirby; set to play Toye’s father Kanfo is one of Nollywood’s foremost leading men Blossom Chukwujekwu (“Falling,” “Stolen Lives”) who is celebrated with multiple wins and nominations across Nigeria’s award shows like the Africa Magic Viewers’ Choice Awards, Best Of Nollywood Awards, Golden Movies Awards, among others; Nigerian- born entertainer and author of “Màmá, It’s A Girl” Stella Damasus (“Gone”) is set to play Sewa; Shaffy Bello (“The Score,” “Battleground”), a Best of Nollywood Awards nominee, has signed on to voice Emi – The One Mother; and esteemed actor Ike Ononye (“Doc Martin,” “The Lovers”) is Elder Alapani.
“Iyanu” is a superhero tale set in the magical kingdom of Yorubaland, which draws from Nigerian culture, music and mythology. Drawing deeply from the rich tapestry of Yoruba people, the animated series follows a teenage orphan girl, Iyanu, who spends her days studying history and ancient arts but yearns for a normal life. One day, re-
sponding to danger, she unknowingly triggers her divine powers, the likes of which have not been seen since the Age of Wonders. With newly discovered superpowers, Iyanu joins forces with two other teenagers, Biyi and Toye, as they embark on a remarkable journey to discover the truth about the evil lurking in her homeland. Throughout her adventure, she’ll uncover the truth about her past, her parents, and her ultimate destiny to save the world.
“Iyanu” is slated for release in the US on Cartoon Network and Max in 2025 and has a 26 episode, two season order.
Brandon Easton (Transformers: War for Cybertron: Seige, Marvel’s Agent Carter) headed the writers’ room, with Roye Okupe serving as the executive producer, writer, and director on multiple episodes. The show’s Executive producers are David Steward II and Matt Heath from Lion Forge Entertainment, Erica Dupuis of Impact X Capital, Ryan Haidarian of Forefront Media Group and Doug Schwalbe. Max®, which launched May 23, 2023, is an enhanced streaming platform from Warner Bros. Discovery, delivering unparalleled quality content for everyone in the household. With a personalized user experience that brings unique and unexpected stories ranging from the best of unscripted to the highest quality in scripted programming to live news to sports, Max is the destination for HBO Originals, Warner Bros. films, Max Originals, the DC universe, the Wizarding World of Harry Potter, CNN Max, Bleacher Report Sports Add-On, an expansive offering of kids and family content, and best-in-class programming across food, home, reality, lifestyle, and documentaries from leading brands like HGTV, Food Network, Adult Swim, Cartoon Network, Discovery Channel, TLC, ID and more, all in one place.
Steppenwolf Theatre Company Announces Broadway Transfer of PURPOSE
CHICAGO – Steppenwolf Theatre Company, the nation’s premier ensemble theater company, is thrilled to announce its critically acclaimed world premiere of Purpose, written by Tony Award winner Branden Jacobs-Jenkins (Appropriate, The Comeuppance) and directed by two-time Tony Award winner Phylicia Rashad (Skeleton Crew, A Raisin in the Sun), will transfer to Broadway in spring 2025.
The Broadway production will begin previews on February 25, 2025 at The Helen Hayes Theater (240 West 44th St., New York) and will officially open in mid-March. Purpose will mark Ms. Rashad’s Broadway directing debut. Tickets will go on sale at a later date.
Purpose is produced on Broadway by David Stone, Debra Martin Chase, Marc Platt, LaChanze, Rashad Chambers, Aaron Glick and Steppenwolf Theatre Company.
Casting will be announced in the coming months.
and congressmen. But like all families, there are cracks and secrets just under the surface. When the youngest son Nazareth returns home to Illinois with an uninvited friend in tow, the family is forced into a reckoning with itself, its faith and the legacies of Black radicalism. Spirited, hilarious and filled with intrigue, Purpose is an epic family drama from one of the country’s most celebrated voices.
Commissioned by Steppenwolf, Purpose enjoyed its world premiere on March 14, 2024 in Steppenwolf’s Downstairs Theater, where it opened to rave reviews. The production sold out its initial engagement and extension weeks, becoming one of the highest-grossing shows in Steppenwolf’s nearly 50 year history.
About Purpose
For decades, the influential Jasper family has been a pillar of Black American Politics: civil rights leaders, pastors
The Broadway production will feature original Chicago creative team members Todd Rosenthal (Scenic Design), Dede Ayite (Costume Design), Amith Chandrashaker (Lighting Design), Rob Milburn & Michael Bodeen (Sound Design) and Jonathan L. Green (Dramaturg). Casting is by JC Clementz, CSA and Calleri Jensen Davis. Steppenwolf Artistic Directors Glenn Davis and Audrey Francis and Executive Director Brooke Flanagan comment, “Purpose continues Steppenwolf’s legacy of commissioning and developing new plays that expand the American theatrical canon with dynamic, provocative, ensemble-driven work. After our record-breaking run in Chicago, we couldn’t be more thrilled to be bringing Branden’s beautiful play to Broadway. He is not only a genius, but the hottest writer in America. This play, being directed by one of the great artists our time in Phylicia Rashad, is one that we are incredibly proud of and can’t wait for New York audiences to experience.”
Branden Jacobs-Jenkins (Playwright) is a Brook-
lyn-based playwright and producer and two-time Pulitzer Prize finalist. He recently received the 2024 Tony Award for Best Revival of a Play for Appropriate, which recently completed an acclaimed, record-breaking, 8-month run on Broadway. Other recent theatre credits include The Comeuppance (Signature Theatre Company, NYC; Almeida Theatre, London); Girls (Yale Rep); Everybody (Signature Theatre); War (Yale Rep; Lincoln Center/LCT3); Gloria (Vineyard Theatre); An Octoroon (Obie Award; Soho Rep, Theatre for a New Audience); and Neighbors (The Public Theater). He currently teaches at Yale University and serves as Vice President of the Dramatists Guild council and on the boards of Soho Rep, Park Avenue Armory, the Susan Smith Blackburn Prize, and the Dramatists Guild Foundation. Additional honors include a USA Artists fellowship, a Guggenheim fellowship, the MacArthur fellowship, the Windham-Campbell Prize for Drama and the inaugural Tennessee Williams Award. He is currently writing the book for the upcoming stage adaptation of Purple Rain.
Phylicia Rashad (Director) A two-time Tony Award winner (A Raisin in the Sun and Skeleton Crew), Ms. Rashad’s directing credits include Stephen Adly Guirgis’ Our Lady of 121st Street; Pearl Cleage’s Blues for an Alabama Sky; August Wilson’s Ma Rainey’s Black Bottom, Joe Turner’s Come and Gone (2014 NAACP Theatre Award for Best Director) and Fences; Paul Oakley Stovall’s Immediate Family; Lorraine Hansberry’s A Raisin in the Sun; The Roommate; and Four Little Girls. Producing credits include the recent revival of Ossie Davis’ Purlie Victorious on Broadway and PBS film, The Old Settler. Ms. Rashad is Dean Emerita of the Chadwick A. Boseman College of Fine Arts at Howard University.
Steppenwolf Theatre Company
BlackPRWire
BlackPRWire
THE NKF LAUNCHES NEW ONLINE EDUCATIONAL TOOL FOR PEOPLE LIVING WITH CHRONIC KIDNEY DISEASE
NEW YORK, PRNewswire -- The National Kidney Foundation (NKF) launched NKF Patient Journey: Chronic Kidney Disease, a new interactive, online learning tool that allows people living with chronic kidney disease (CKD), to learn more about kidney disease based on their individual health status. This interactive learning experience offers content in a dynamic and engaging way. An initial online survey encourages people to answer questions regarding their health and receive information tailored to their particular stage of kidney disease and what they need to do to manage their CKD and achieve optimal kidney health. Financial support for this educational tool was provided by Novartis Pharmaceuticals Corporation (Novartis).
This innovative tool offers various essential learning journeys – CKD stages 1-5, dialysis, and kidney transplantation and addresses conditions related to CKD, including pre-diabetes, diabetes, high blood pressure, heart disease, and obesity. To tailor a learner’s journey, this tool captures information about each learner’s kidney health, such as whether they have been told they have CKD, what laboratory data they have available about their kidney health (i.e., serum creatinine with estimated glomerular filtration rate (eGFR) and urine albumin-to-creatinine ratio (UACR), etc.) and whether they have any co-morbidities (i.e., pre-diabetes, diabetes, high blood pressure, heart disease, and obesity). People who are unsure if they have CKD are given basic information about CKD and questions to ask their healthcare team.
offers those living with CKD at varying levels of health literacy the individualized health information they need to navigate their kidney health journey. People living with kidney diseases want to know what kidney disease means and what can be done to improve kidney health on an individualized basis.”
3 Essential Steps to Love Your Heart
MISSION, Kan., PRNewswire -- (Family Features)
Taking steps to improve your overall health can help you live a longer, healthier life. One key component of overall well-being – heart health – is especially critical as heart disease has been the leading cause of death among Americans since 1950, according to the Centers for Disease Control and Prevention.
Adopting habits like exercising regularly, eating a heart-healthy diet with lots of vegetables and fruits like grapes and getting the proper amount of sleep can set you on the right path.
Eat a Heart-Healthy Diet
Many people rely on information found online to help them better understand the health information their clinician told them about during their last office visit. NKF Patient Journey: Chronic Kidney Disease will help people living with CKD filter through the volumes of information available on the internet based on their particular kidney health journey. Having comprehensive, evidence-based, freely available resources that guide people through essential information is a benefit to busy clinicians. Information provided in an easy-to-understand format helps patients understand what they can do today to take better control of their kidney health.
A diet rich in fruits, vegetables, whole grains, lean proteins and healthy fats can have a positive impact on heart health and may lower your risk for heart disease. For example, grapes are easy to keep on hand as a heart-healthy snack. They have no saturated fat or cholesterol and are low in sodium; contain 7% of the daily recommended intake of potassium; and are a good source of vitamin K. Grapes are also a natural source of beneficial antioxidants and other polyphenols and help maintain healthy circulation by promoting the relaxation of blood vessels.
This learning experience features cloudbased responsive learning. The learning journey branches into different paths based on each learner’s responses incorporating text, graphics, videos, and other visuals into manageable segments that allow the learner to focus on a particular topic or subtopic. The online learning tool also includes links to other NKF resources, so the learner can explore specific aspects of living with CKD.
This interactive, curated educational tool is a great first step in dealing with a CKD diagnosis. You can find more information about NKF Patient Journey: Chronic Kidney Disease here: kidney. org/ckd-journey.
“NKF Patient Journey: Chronic Kidney Disease was developed for adult learners because there are many obstacles to patient education that arise not only in primary care but also in specialty care settings,” said Dr. Joseph Vassalotti, NKF Chief Medical Officer. “This innovative tool
“Learning you have kidney disease is oftentimes frightening and frustrating because there is a lot of new information to parse through; those living with CKD need information that is understandable and actionable,” said Kevin Longino, NKF Chief Executive Officer and a kidney transplant recipient. “NKF Patient Journey: Chronic Kidney Disease was created for those who might be overwhelmed by their diagnosis and all the information on the internet, doctor visits, and social media forums. NKF is committed to being a credible source of information for every person living with kidney disease, or a kidney transplant, so they can make informed decisions about their particular stage and type of kidney disease.”
CKD is a widely unrecognized public health crisis affecting an estimated 35.5 million U.S. adults among whom approximately 90% of those don’t even know they have it. About 1 in 3 adults in the U.S. (approximately 80 million) are at risk for kidney disease. Kidney disease is considered a silent killer so people with certain risk factors like diabetes, high blood pressure, heart disease, obesity, and a family history of kidney disease, gout, or hyperkalemia (high potassium) are all at risk for kidney disease and will all benefit from utilizing this educational tool and learning more about their overall kidney health.
For more information about NKF Patient Journey: Chronic Kidney Disease, please visit kidney.org/ckd-journey and for more details about CKD or kidney disease, visit kidney.org.
Whether enjoying them by the handful on their own or as part of recipes like these Baked Grape Falafel Bites, where Grapes from California add juicy goodness to a classic chickpea fritter, grapes are a perfect ingredient for heart-friendly eating plans. Research suggests eating grapes daily helps support heart health. In one study, for example, women who consumed 1 1/4 cups of grapes every day benefited from reduced blood triglyceride levels, LDL cholesterol levels, inflammatory proteins and other markers of heart disease.
Exercise Regularly
Adopting habits like exercising regularly, eating a heart-healthy diet with lots of vegetables and fruits like grapes and getting the proper amount of sleep can set you on the right path.
Getting at least 150 minutes per week of moderate-intensity aerobic activity or 75 minutes of vigorous aerobic activity, as recommended by the American Heart Association, can have a positive impact on heart health by lowering blood pressure, reducing inflammation and aiding in maintaining a healthy weight.
Get the Proper Amount of Sleep
A crucial component of heart health, experts recommend adults get 7-9 hours of sleep each night. Creating a cozy sleep space by turning off electronics and setting the thermostat to a comfortable temperature is the first step toward a restful night’s sleep. Also aim for consistency with your bedtime routine, including going to sleep and waking at the same times each day (including weekends), for best results. Learn more about the heart-health benefits of grapes, and find additional heart-friendly recipes, at GrapesFromCalifornia.com.
A leading source for high-quality food, lifestyle and home and garden content, Family Features provides readers with topically and seasonally relevant tips, takeaways, information, recipes, videos, infographics and more. Find additional articles and information at Culinary.net and eLivingToday.com.
PRNewsfoto/National Kidney Foundation
Struggling to Make Rent? Here’s What to Know
(StatePoint) Upfront and ongoing renting costs can put financial stress on any monthly budget. But whether you are experiencing financial hardship or just need a little extra help to make ends meet, you may have options by working with your property manager. If you’re struggling to meet either of the two largest financial responsibilities of your lease — your security deposit or rent — here’s what you can do, according to Freddie Mac:
Alternative Security Deposits
The upfront cost of a security deposit can be a challenge for some renters. However, some property managers offer alternatives that decrease the amount due at signing. Common options include:
• Recoupment: You agree to pay the property manager for any damages up to a preapproved amount. If you fail to pay for damages at move out, a deposit company will bill you the amount owed.
• Insurance: You pay monthly premiums for an insurance policy, up to a certain limit, to cover any damages you cause.
• Installments: Rather than paying the full deposit at move-in, you’ll pay in smaller installments, typically monthly.
t’s important to know the different implications of each option. While these alternatives may seem attractive at lease signing, the cumulative out-of-pocket costs may be more than the amount of the traditional security deposit in the long run. Furthermore, depending on the option you choose, you may also still be liable for costs associated with damages to your unit. Make sure your agreed-upon terms are documented and that you fully understand them.
Rent Flexibility
Talk to your property manager about the flexibility they can provide on your rent payments. There are several common arrangements that they may be willing to offer you, which include:
• Personalizing your payment dates: Most rent payments are due on the first of the month, and many properties typically offer a grace period. However, depending on your pay day, this timing still may not be ideal. Speak to your property manager about changing your payment due date to better align with your pay cycle.
• Paying in installments: You may find it difficult to cover your full monthly rent in one payment. If this is the case, your property manager may be willing to work out an alternative schedule that allows you to make multiple smaller payments throughout the month.
• Receiving a waiver for late fees or penalties: Late fees and penalties are intended to discourage repeated late payments — but sometimes, unexpected things happen. If you’re facing a temporary setback but are otherwise in good standing with your property manager, you may be able to negotiate
a one-time exception for late fees or penalties.
Navigating the Conversation
Approaching your property manager can be intimidating. Before your conversation, consider seeking advice from a HUD-certified housing counselor to help you understand your rights and options, and to prepare any relevant information you may need. As you negotiate with your property manager, keep written documentation of any agreements made. And of course, keep the lines of communication open so that both parties are holding up their end of the agreement.
If you need assistance, reach out to a Renter Resource Organization, which can provide financial planning advice, educate you on your rights and responsibilities as a renter, offer mediation in landlord-tenant disputes, provide legal advice and more. Visit myhome.freddiemac.com/rros to find an organization servicing your region or call Freddie Mac’s Renter Helpline at 800-404-3097 to speak to a HUD-certified housing counselor.
If you’re struggling as a renter, actively communicating by asking questions or asking for assistance can relieve financial pressure and help you avoid eviction.
