Chatham - Southeast 9-25-2019 by CITIZEN NEWSPAPERS

African American Bachelor’s Degrees See Growth but Trend Behind in Physical Sciences, Engineering — Page 3

Citizen Week of Sept. 25 , 2019

| Vol. 55 | No. 26 | www.thechicagocitizen.com

CHATHAM SOUTHEAST

BUSINESS

Purpose to Paycheck expert helps women learn how to make multiple streams of income PAGE 4

FASHION

From Personal Tragedy To Re-Inventing The Wig PAGE 6

Brown Memorial Park recently experienced vandalism that resulted in many free books being destroyed and trash being scattered across the park. Photo

REAL ESTATE Check out our real estate listings for important foreclosure information PAGES 8-10

Credit: Katherine Newman

RECENT VANDALISM DAMAGES COMMUNITY BOOK SHARING BOX AT SOUTH SIDE PARK Brown Memorial Park, 634 E. 86th St., in Chatham was recently vandalized by an unknown party who dispersed trash throughout the park and damaged the recently dedicated free library box at the park where residents can find free books to enjoy. PAGE 2

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2 | CITIZEN | Chatham Southeast | Week of Sept. 25, 2019

NEWS briefly EDUCATION

NATIONAL BLACK CHILD DEVELOPMENT INSTITUTE’S 49TH ANNUAL CONFERENCE COMES TO CHICAGO ON SEPTEMBER 28 From September 28 - October 1, 2019, the National Black Child Development Institute (NBCDI) will be taking over the Windy City, during their 49th Annual Conference. The only annual conference convening of its kind in the United States, NBCDI’s four-day conference offers a myriad of workshops, seminars, and training sessions designed to educate and empower advocates, educators, communities and partners. The most anticipated highlights of the conference are the 2020 Census Mayoral Roundtable featuring Chicago Mayor Lori E. Lightfoot and Atlanta Mayor Keisha Lance Bottoms; and a first-of-its kind Town Hall Meeting on the School Push Out of Black girls featuring political strategist Angela Rye. During the conference attendees will also receive a keynote address from Georgetown University’s Dr. Michael Eric Dyson. This year, NBCDI is driving home the importance of quality education and advocacy that impacts Black children and families across the country. To learn more about the National Black Child Development Institute 49th Annual Conference visit, www.nbcdi.org.

HEALTH

THE COGNITIVE CONNECTION: BLOOD PRESSURE AND BRAIN DECLINE The American Heart Association (AHA) estimates that more than 100 million adults in the United States are living with high blood pressure. That’s almost half the adult population in the country. Now, new research suggests there is yet another reason for middle-aged and older adults to keep a close watch on their blood pressure: hypertension can impair cognitive abilities as a person ages. Researchers studied nearly 11,000 adults to find how the condition affects a person’s memory, language, and thinking skills. “What it basically showed is if you have hypertension, and if it’s not being treated, your risk of declining cognition, or cognitive function is higher,” explained Dr. Sudhir Mungee, an interventional cardiologist at OSF HealthCare Cardiovascular Institute. He continued, “In fact, people who are appropriately treated, their declined rate was the same as people who did not have high blood pressure. So it’s clearly defining hypertension as one of the risk factors for cognitive skills lost.”

LAW & POLITICS

ESSENCE LAUNCHES 24 HOURS WITH_____ ESSENCE is taking its 2020 election coverage on the road with the launch of its new series, “24 Hours With_____”. ESSENCE’s news and politics team is traveling on the campaign trail with handpicked presidential candidates and launched its inaugural video with Cory Booker shortly before the Houston democratic debates. “This is a great opportunity for the ESSENCE audience to get a closer feel for candidates and the way they connect with constituents,” noted,” ESSENCE’s News and Politics Editorial Director Yesha Callahan. “To see candidates speak candidly, even while the cameras are rolling, will give viewers a chance to see what they’re truly made of,” she said.

Recent Vandalism Damages Community Book Sharing Box At South Side Park Continued from page 1 BY KATHERINE NEWMAN

Brown Memorial Park, 634 E. 86th St., in Chatham was recently vandalized by an unknown party who dispersed trash throughout the park and damaged the recently dedicated free library box at the park where residents can find free books to enjoy. “The box was vandalized, it was knocked over and off of its pedestal. All the books that were in there were taken out and strewn across the park. They took the books and tore them up and threw some of them in the splash pad and others they ripped up and threw all over. They tipped the garbage cans over and trash was everywhere. They took the books and destroyed them and burned them and made them unusable,” said Carl Lewis, president of the Brown Memorial Park Advisory Board. Lewis takes pride in the work that the Brown Memorial Park Advisory Board has done over the last few years which includes keeping the park clean, painting the benches bright colors, building a new gazebo, and adding the free library box which was made possible through a partnership with the Neighbor to Neighbor Literacy Project. The Neighbor to Neighbor Literacy Project is a nonprofit organization that supports literacy in Chicago through neighborhood book sharing in parks and public spaces, according to information from their website. “We have a great community and I saw how something like this could lend its hand. This is an educated community where people read and to have free books is great,” said Lewis. “We voted on this as a board and after approving it, we immediately got ahold of [the Neighbor to Neighbor Literacy Project] and gave them the $200 that it costs for the box and it was done.” Brown Memorial Park was able to get its own free library box and Lewis said that there have been about 100 books that have gone through the box this summer and that

In August, the Brown Memorial Park Advisory Board dedicated its free library box , made possible by the Neighbor to Neighbor Literacy Project. The library box was recently damaged during an act of vandalism (pictured). Photo Credit: Provided by the Brown Memorial Park Advisory Board

he has many more in his garage that were donated by community members to be put into the box. Lewis was devastated to see the library box damaged by vandalism and said that he is looking for the person that did it but wants that individual to know that he still loves them despite being hurt by their actions. Looking towards the future, the Brown Memorial Park Advisory Board has big plans for the park which include potentially adding a field house, hopefully expanding

their footprint, and possibly installing a mural that would be beneficial to park goers and the surrounding residents that share an alley with the park. But first, Lewis said he plans to repair the damaged library box and add a second box on the opposite end of the park. “Our intentions are to put a second box to show whoever tore down the first box that they can’t tear our spirit. One box will be for children’s books and the other box will be for more adult books,” said Lewis.

ICJIA Seeks Survey Participation From LGBTQ + Individuals Who Have Experienced Harm The Illinois Criminal Justice Information Authority (ICJIA) is conducting a survey to gather information on harm and help-seeking experiences of LGBTQ+ individuals living in Illinois. Research indicates LGBTQ+ individuals experience higher rates of crime—specifically higher rates of violent crime. ICJIA researchers collaborated with LGBTQ+ service providers and advocates to design a survey for LGBTQ+ individuals who have experienced harm that will help inform

local and state-level policies and practices to address victimization within the community. The survey covers a range of topics, including stressful experiences, disclosure of victimization, and need for and receipt of services after experiencing harm. Participant feedback also will help shape priorities for federal Victim of Crime Act (VOCA) and Violence Against Women Act (VAWA) program funding. Last year, ICJIA disbursed $51.8 million in VOCA and VAWA funds to victim service

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providers across Illinois. “This survey invitation is extended to anyone in the Illinois LGBTQ+ community who has experienced harm. Community engagement is vitally important to ICJIA’s goals of improving the impact and cost effectiveness of the criminal justice system and developing comprehensive strategies to assist victims,” said Acting Executive Director Jason Stamps. The 45- to 60-minute survey can be taken online or via hard copy. Participants will be asked to complete a brief

screening process either online or by phone prior to taking the survey. Survey respondents will receive a $10 gift card for their participation. For more information or to take the survey, go to: http://www. icjia.state.il.us/research/lgbtq ICJIA works to improve the administration of criminal justice through work in the areas of grants administration, research and analysis, policy and planning, and information systems and technology. For more information. visit www.icjia.state.il.us.

CITIZEN | Chatham Southeast | Week of Sept. 25, 2019

NEWS

African American Bachelor’s Degrees See Growth but Trend Behind in Physical Sciences, Engineering African Americans are seeing growth in many engineering and physical sciences fields, but they are not progressing at the same rate when compared to the general population. A report from the American Institute of Physics (AIP) Statistical Research Center (SRC) examined the number of bachelor’s degrees earned from 2005 to 2015 and separated out the numbers for African Americans from the rest of the students. The data was gathered by the National Center for Education Statistics from postsecondary institutions in the United States. The SRC found the number of degrees earned by African Americans in physical sciences fields grew by 36% over 10-year period, which was less than the growth of degrees by all students, 55%, during the same time. In four of the seven physical sciences fields, the number of degrees earned by African Americans grew faster (by percentage) than the growth overall, but those fields were among the smallest number of degrees earned. The other fields, which had larger numbers of graduates, showed a slower than overall growth rate. In engineering, the number of bachelor’s degrees earned by African Americans increased by 19%, less than half of the overall growth in the field of 44%. Only two fields in engineering (civil engineering and materials engineering) showed growth in the number of African American

African Americans are seeing growth in many engineering and physical sciences fields, but they are not progressing at the same rate when compared to the general population.

graduates when compared to the rest of the students in those fields. The other seven disciplines showed slow or negative growth. To get the complete statistical breakdown,

visit the Statistical Research Center online at https://www.aip.org/statistics/reports/ african-american-participation-among-bachelors-physical-sciences

SRC senior survey scientist Laura Merner said it was heartening to see growth for African Americans overall in the science and engineering fields, but it is not fast enough. “We’re hopeful that this report could help intervention programs to be more successful to improve representation,” Merner said. “Clearly, more research is needed to find out why African Americans are underrepresented in these fields, and there is still work that needs to be done.” The number of African Americans earning bachelor’s degrees in the physical sciences and engineering has grown during the 10-year period from just under 6,000 degrees earned in 2005 to more than 7,000 degrees earned in 2015. While more African Americans earned degrees in 2015 than in 2005 in the physical sciences, for engineering, the number for men earning degrees showed an increase while the number of women earning degrees decreased. TEAM-UP, an initiative launched by AIP and the American Association for the Advancement of Sciences (AAAS), has been conducting a two-year campaign to study of factors enhancing the success of African American undergraduates pursuing bachelor’s degrees in physics and astronomy. The report is expected to be released during the American Astronomical Society Annual Meeting in Honolulu, Hawaii, on January 4, 2020.

COMMENTARY

Debt collectors target consumers of color, people making less than $50K BY CHARLENE CROWELL NNPA Newswire Contributor

A new survey asked likely voters across the country what they thought of a proposed debt collection rule. The response was strong and broad opposition. Proposed earlier this year by Consumer Financial Protection Bureau (CFPB) Director Kathleen Kraninger, the rule would authorize debt collectors to expand how often consumers could be contacted as well as the ways such contacts could be made: email, text messages, and more. Conducted by Lake Research Partners and Chesapeake Beach Consulting, the poll was jointly commissioned by the Americans for Financial Reform (AFR) and the Center for Responsible Lending (CRL). The results, released on September 11, found stark opposition by consumers to regulatory reforms announced by the CFPB. Consumers are strongly united in wanting more and better protection in this area of financial regulation. One in five poll participants were contacted by a debt collector in the past 12 months for different types of debt –

including medical. Consumers of color, lower-income consumers and military families were contacted at higher rates. More than one in three Black consumers (34%) or consumers with incomes less than $50,000 (33%), were contacted. Among Latinx consumers, nearly half or 48% were contacted. Likely voters were most concerned about three specific changes included in the CFPB debt collection proposal: l 76% opposed allowing debt collectors to leave messages for people in places that are not private; l 74% opposed allowing debt collectors to contact consumers by private direct messaging on social media platforms like Facebook or Twitter; and l 73% opposed allowing debt collectors to phone people as often as seven times a week for each debt in collection. “It should not surprise any of us that Americans don’t support government-sanctioned harassment by debt collectors via phone, email, or text,” said AFR Senior Policy Counsel Linda Jun. “And yet that’s exactly what the Kraninger CFPB is proposing. The agency needs to withdraw this plan and come up with one that

actually protects consumers.” The real irony with CFPB is that for six years, consumers benefitted from a series of actions that helped 29 million consumers to receive nearly $12 billion in restitution and/ or forgiveness. Additionally, multiple public forums held across the country on a variety of issues gave consumers and all stakeholder interests meaningful opportunities to help shape public policy developments. Research released by the CFPB have documented the harm of abusive debt collection practices and shown the rippling consequences of financial services practices as large as mortgages and as small as payday loans. Under the Trump Administration, a consistent and focused deregulation effort has been underway to turn CFPB into a toothless tiger. It’s almost as if CFPB now stands for Corporate Financial Protection Bureau. Rather than living up to its name, CFPB eschews consumers and defers to companies and their preferences as to what financial regulation should look like. The Administration has also repeatedly emphasized consumer information and education while www.thechicagocitizen.com

predatory lenders pick the pockets of unsuspecting consumers. The error in this approach is that being aware of what should occur will not and cannot change punitive practices that earn billions of dollars for the corporations abusing consumers. These actions are particularly suspect when one considers that debt collection complaints have been among the chief consumer complaints filed at both the CFPB and the Federal Trade Commission. Under CFPB’s first director, the agency filed more than 25 federal enforcement actions against debt collectors and creditors that deliver $300 million in restitution and another $100 million in civil penalties due to deceptive and abusive debt collection practices. From weakening the Bureau’s Office of Fair Lending, to rewriting the long-awaited payday lending rule that required lenders to ensure that borrowers can afford to repay these small-dollar loans that come with big costs, businesses and corporations are being coddled while consumers remain caught in harassing debt collection practices and debt trap loans. “Bad policies from Washington are

often the brainchild of people who aren’t personally impacted by them,” said Jeremy Funk, spokesman for Allied Progress, a consumer advocacy organization. “Maybe spanning the spammer-in-chief at the CFPB will help them realize the massive invasion of privacy that are inviting with this plan…Congress should get prepared to hold them accountable.” Speaking for the Center for Responsible Lending, Melissa Stegman, a Senior Policy Counsel said: “The poll is clear – Americans don’t want CFPB Director Kathy Kraninger to give debt collectors a license to harass and intimidate consumers,” said Stegman. “A consumer-first debt collection rule should protect people – and particularly people of color and active duty military members, veterans and their families – from time-barred ‘zombie debt’.” Government is supposed to be ‘for the people’– not for corporations. Charlene Crowell is the Communications Deputy Director with the Center for Responsible Lending. She can be reached at Charlene.crowell@ responsiblelending.org.

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BUSINESS

Want more investors for your startup? Better make an impassioned pitch Best Selling Author and Purpose to Paycheck expert Nicole Roberts Jones will host her 4th Annual ‘Be The Answer’ intensive on October 4th–5th, 2019.

Purpose to Paycheck expert helps women learn how to make multiple streams of income Best Selling Author and Purpose to Paycheck expert Nicole Roberts Jones will continue her mission of empowering women entrepreneurs with her 4th Annual ‘Be The Answer’ intensive on October 4th– 5th, 2019 at the Boston Woburn Hilton Hotel. “I’m so excited to host the 4th Annual Be the Answer for the first time, in the City of Boston. Many women stay in a job, career or business that they have either outgrown or are no longer passionate about,” says Nicole Roberts Jones, CEO of Fierce Factor Lab. “They let fear kick in and don’t invest in themselves or their dream of starting or growing their business and as a result, they never fully develop into all that is possible

for them or for the people that need that gift in them. That is why I call my event, Be The Answer, and this is what drives me to help women align their purpose with their paycheck.” With more than 20 years’ experience, Roberts Jones has worked with companies such as Blue Cross Blue Shield, McDonald’s, Dell/ EMC and the Steve Harvey World Group as well as with entrepreneurs worldwide. For additional information and to register for the Be The Answer 2-Day Intensive, visit www. BeTheAnswerEvent.com. To see Highlights from Be The Answer 2018 visit https://youtu.be/ he_YiqPqKEk

One would expect that entrepreneurs who pitch their startup ideas with passion are more apt to entice investors. Now there’s scientific proof the two are connected: enthusiasm and financial backing. According to new research from Case Western Reserve University, the brains of potential investors are wired to pay closer attention to entrepreneurs who pitch with passion. Researchers examined investors’ neural responses to entrepreneurs’ pitches, conducting a randomized experiment that explored the response of investors’ brains using functional Magnetic Resonance Imaging (fMRI)—finding a causal relationship between passion of the pitcher and interest from investors. “No one has ever invested in a startup they ignored,” said Scott Shane, the A. Malachi Mixon III Professor of Entrepreneurial Studies in the Weatherhead School of Management at Case Western Reserve. “Founder passion is essential to establishing investor attention, and our study demonstrates measurable neural effects that offer a biological explanation for their tendency to react positively to enthusiasm and emotion

Scott Shane, lead author of the study and an economics professor at Case Western Reserve Photo credit: Credit: CWRU

of entrepreneurs,” said Shane, lead author of the paper, published in the Journal of Business Venturing. By showing such energy in pitching their business ideas, entrepreneurs can considerably increase neural engagement in potential investors— increasing the odds these financiers will support a new, untested venture by having strong, measurable effects on their decision-making. “Most of time investors just say ‘no,’” said Shane. “In fact, the vast majority of entrepreneurs never receive a dime from external investors. “Entrepreneurs should know: More engaged brains are more likely to meaningfully evaluate pitches,” he said. “We believe our data makes a strong argument that displays of passion trigger heightened engagement that, in turn, makes investors more likely to write a check.” The experiment Videos of pitches—identical in content but different in delivery— were randomly assigned to investors inside an fMRI machine. Depending on the passion-level of the pitch, investors’ brains reacted differently: Heightened displays of passion increased investor fixation on the stimulus (the pitch) to override distractions—and demonstrate a causal effect of displayed passion on investor interest. l Investors randomly assigned a pitch with high founder passion resulted in informal investor interest increasing by 26%, relative to the same pitch delivered with low passion; l Data from fMRIs showed investor neural responses to entrepreneurs’ high-passion pitches increased investor neural engagement by 39% over lower

founder passion. “More engaged brains are more likely to meaningfully evaluate pitches—and not play on their phones or think about lunch—which should result in more favorable investor assessments,” said Shane. While it’s possible that other mechanisms may be present in the brains of investors—such as inferring from passion that entrepreneurs may be more capable or competent—the experiment showed that passion is a key mechanism because it causes investors to pay attention, said Shane. Practicing passion The findings offer strong implications for the practice of entrepreneurship. “Pitching with enthusiasm and passion—these are skills that can be taught,” said Shane. “Flat, unenthusiastic pitches are the enemy of attracting investor attention and to succeeding in a competitive, cutthroat environment.” Each year, hundreds of thousands of early-stage entrepreneurs, who often lack established track records, offer pitches—widely recognized as the gateway to investor funding—to financiers across the globe. The study focused on Informal investors—referred to as “family, friends and foolhardy strangers” by the Global Entrepreneurship Monitor—who account for most startup investments, investing $1 trillion globally between 2012-2015, according to the organization. The study was co-authored by David Clingingsmith, an associate professor of economics at the Weatherhead School. Will Drover of the University of Oklahoma, and Moran Cerf of Northwestern University also co-authored the paper.

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CITIZEN | Chatham Southeast | Week of Sept. 25, 2019

CITIZEN On The Move

8TH WARD BACK TO SCHOOL PARADE

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JEROME PHOTO

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FASHION

From Personal Tragedy To Re-Inventing The Wig Fashion Fair Beauty Brand For Sale Hilco Streambank, a leading intellectual property advisory firm specializing in the valuation and sale of intangible assets, has been retained by Miriam R. Stein, the Chapter 7 trustee of Johnson Publishing Company, LLC, to run the sale process for the Fashion Fair beauty brand and related intellectual property assets, including trademarks, domain names and social media assets. Fashion Fair was founded by Eunice W. Johnson, the creator of the Ebony Fashion Fair Show, when she noticed models in the show were mixing foundations to create the right blend to match their hues. Gabe Fried, CEO of Hilco Streambank, remarked, “Fashion Fair was developed at a time when the leading beauty brands did not make products which met the needs of African American women. Mrs. Johnson, ever the entrepreneur, developed and cultivated the Fashion Fair brand to a highly devoted audience. Eventually, the brand expanded its product lines to address the needs of many other women of color, vaulting the brand to the global stage.” The brand sold beauty products in high-end department stores throughout the U.S., internationally, and through FashionFair.com. At its peak, the brand generated over $56 million in wholesale sales. Fried added, “The unique story behind the Fashion Fair beauty brand has contributed to the strong affinity of its customers, many of whom had been buying Fashion Fair beauty products for over 10 years.” Offers for the Fashion Fair brand assets are due on October 24, 2019, and an auction will be held on October 28, 2019.

Personal tragedy, a love for wigs and a vision to address all of the deficiencies she saw in design and quality led visionary Lili Clarke to re-invent the wig. For comfort, durability, quality, and a luxurious look and feel, the Lili Clarke wig and hair extensions are meant to be the equivalent of what “Hermes” is to fashion. Four years ago, Co-Founder/ CEO, Lili Clarke suffered a tragic fall which left her unsure if she would ever walk again without assistance or regain her short-term memory. Suffering from a traumatic brain injury, Lili lost part of her short-term memory and some of her cognitive abilities. However, this single mother of three would not accept defeat and was determined to do everything possible to recover. Lili began to wear wigs and put on makeup each day to convince her children she was okay and that she was her old-self. In wearing wigs, she regained her confidence and found out the healing power looking beautiful had on her brain. She also discovered that most wigs were uncomfortable, tangled and shedded significantly and were not flexible when it came to styling. One of Lili’s friends, a cancer victim and an avid wig user herself, passed away shortly after being diagnosed and told Lili that she was depressed as she could not wear the wigs she loved as they were too uncomfortable. To honor her friend’s memory, Lili set about to re-invent the wig in a manner that would have benefited her friend: l Complete flexibility for parting and styling due to patent-pending wig cap design l Ultimate comfort because there are no clips or combs to irritate the scalp of people with no hair l No chemical process since the hair comes from a single donor l Artisan craftsmanship: each wig is fully hand-tied and takes 7 days to be assembled

(PRNewsfoto/Lili Clarke Inc.)

According to a press release, after two years of research, design and sourcing the best hair available in the world in Southern Chinese villages and Ukraine, Lili Clarke, Inc. unveiled their product line. The products are distributed through an affiliate network program that will enable hairstylists, Social Media Influencers and Wig aficionados to generate a significant extra income. Lili Clarke, to honor her friend, will donate to a Children’s Cancer Research Center one wig (or its dollar equivalent) for every 20 wigs sold by the company. For more information, visit https://liliclarkehair.com

SUFFERING FROM A TRAUMATIC BRAIN INJURY, LILI LOST PART OF HER SHORT-TERM MEMORY AND SOME OF HER COGNITIVE ABILITIES. HOWEVER, THIS SINGLE MOTHER OF THREE WOULD NOT ACCEPT DEFEAT AND WAS DETERMINED TO DO EVERYTHING POSSIBLE TO RECOVER. LILI BEGAN TO WEAR WIGS AND PUT ON MAKEUP EACH DAY TO CONVINCE HER CHILDREN SHE WAS OKAY AND THAT SHE WAS HER OLD-SELF.

RevitaLash® Cosmetics Announces Expansion of Color Cosmetics Line with Hi-Def Brow Pencil RevitaLash® Cosmetics has announced the launch of its first eyebrow pencil, the Hi-Def Brow Pencil. This multi-functional, long wear, water resistant eyebrow pencil allows natural hair-like strokes for a full, bold brow look with a blendable, non-tacky formula, according to a press release. “We are so excited to launch

our new Hi-Def Brow Pencil, our first ever pencil to help brows stand out, look defined, naturally full and healthy. We are thrilled to incorporate our signature hair-health benefits for long term improvement into a product that gives instant gratification,” notes Lori www.thechicagocitizen.com

Jacobus, president of RevitaLash Cosmetics. RevitaLash Cosmetics Founder and CEO, Michael Brinkenhoff, M.D., notes, “The vitamin E within the formula provides natural conditioning and antioxidant benefits to skin, while polymers

create lasting power for up to 10 hours of wear.” The Hi-Def Brow Pencil is dermatologist reviewed, contains no oil, parabens, phthalates, or fragrance, is vegan friendly, and cruelty-free, according to a press release. For more information, visit revitalash.com.

CITIZEN | Chatham Southeast | Week of Sept. 25, 2019

NEWS

How Close Is Too Close When It Comes to Living Near Your Family? StatePoint - While you can’t choose your family, you can choose how close you live to them. A new survey suggests some healthy boundaries between parents and in-laws make for a happier family relationship -something to keep in mind when shopping for a home. Fifty-seven percent of respondents in the survey from Ally Home, the direct-toconsumer mortgage arm of Ally Bank, say there should be at least some driving distance between where their parents and/or in-laws live and where they live. An even greater percentage of gen Z respondents (63 percent) -- and millennials (62 percent) -- felt some distance was important. “We’re deep into the home buying season, and we’re seeing first-hand how excited consumers are to find and then be able to afford the home of their dreams,” says Glenn Brunker, mortgage executive with Ally Home. “But as Ally Home goes through that home-buying journey with them, it’s clear that there’s more than just the house and yard that go into making a home the right fit. Buyers are thinking through things like the neighborhood, school system, access to good hospitals, and yes, just how near or far they prefer to be to family.” Other survey findings included:

Fifty-seven percent of respondents in the survey from Ally Home, the direct-to-consumer mortgage arm of Ally Bank, say there should be at least some driving distance between where their parents and/or in-laws live and where they live.

• Call First Before Popping In: Thirtyseven percent of respondents agree family should not live close enough to just pop in and say hi. An even greater percentage of

millennials -- 42 percent don’t like the idea of the unannounced pop-in. B:10” • Adults Need Their Own Space: Almost T:10” two-thirds of Americans say that while they

love their adult children, they don’t want them living with them. Millennials don’t like how things are trending, either. They worry more than any other age group that at some point they will have their adult children, their parents or in-laws living with them. • Proximity is a Top Stressor: The survey also presented respondents with a number of stress points and asked which ones ranked top when dealing with family. Thirty-eight percent of respondents named “living within five minutes of parents or in-laws” as their top stressor, out-ranking “cooking a complicated meal for a mother or mother-in-law” and “hosting family for the holidays.” “Much of a person’s preference regarding location has to do with cultural norms, since extended families living together or nearby one another is common in certain cultures. But more often, having some physical distance between family can help create a healthy boundary. Ultimately, it’s up to family members to be open and honest about their own boundaries and what makes them most comfortable,” says William X. Kelly, a marriage and family therapist. A good choice for a home is one that makes you happy. When shopping for a home, don’t forget to take the family factor into consideration.

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A DREAM HOME

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† The Associated Bank PATH Program offers grant assistance of $4,000 to qualified borrowers for down payment and closing costs on first mortgage purchase and construction transactions. First-time homebuyers will need to complete a Homeownership Educational Program. Other offers may be available, consult your lender for details. Exclusions apply. Associated Bank reserves the right to discontinue the program at any time without notice. * The Leading Lender in the Midwest designation is based on information gathered from the Home Mortgage Disclosure Act data compiled annually by the Consumer Financial Protection Bureau. The results of the data were obtained through the Consumer Financial Protection Bureau Mortgage Database (HMDA), June 2018. Loan products are offered by Associated Bank, N.A., and are subject to credit approval and involve interest and other costs. Please ask about details on fees and terms and conditions for these products. Property insurance and flood insurance, if applicable, will be required on collateral. Member FDIC. (08/19) 14577

Proof #:

JOB #: 64001

Print Scale: None

Bleed: None

Cyan

Date: 8-8-2019 10:36 AM

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GCD: None

T:6.5”

Whether you’re buying your first home or your next home, Associated Bank is dedicated to guiding you through all phases of homeownership. Our experienced professionals work with you and your situation to develop a solution that makes your dream a reality. So you can focus on the excitement of taking the next step.

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DOESN’T HAVE TO BE A DREAM.

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CITIZEN | Chatham Southeast | Week of Sept. 25, 2019

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CITIZEN | Chatham Southeast | Week of Sept. 25, 2019

CLASSIFIEDS BID / Notice Barnard Soletanche Bessac JV (BSB) An Equal Opportunity Employer Requests subcontractor bids from qualified WBE/MBE Subcontractors and Suppliers for: Design-Build Services South Airfield Consolidation O’Hare International Airport OWNER: City of Chicago BID DATE: October 29, 2019 at 4:00 PM (CST) BID ITEMS: Earthwork/Excavation; Asphalt Paving; Site Security; Traffic Control; Office Maintenance; Materials Testing; Rebar Furnish & Install; Concrete ReadyMix; Concrete Pipe; Preconstruction & PostConstruction Surveys; Environmental Consulting; Tunnel & Site Survey; Geotechnical Instrumentation and Monitoring; Erosion & Sediment Control; Site Restoration; Muck Disposal; Reservoir Wall Support; Water Pumping/Pipeline; Electrical; Mechanical; Plumbing; HVAC; Trucking & Disposal; Hazardous Material Handling; Tunnel & Shaft Construction Safety; Equipment Rental; Heavy Equipment Mechanics; and Steel Fabrication for the Tunnel Liner. PLANS AND SPECIFICATIONS: Contact Rivers Topping – Barnard Construction at PH: (406) 586-1995 or email: rivers.topping@Barnard-Inc.com for information on obtaining plans and specifications. ASSISTANCE AND QUESTIONS: BSB will provide technical assistance as needed throughout the bidding process. We will work with subs and suppliers to develop a delivery schedule that accommodates the needs of subs and suppliers on non-critical work items. When economically feasible, we will divide total contract requirements into small portions to permit maximum qualified Minority Business Enterprises (MBE) and Women Business Enterprises (WBE) participation. Upon request, we will assist interested businesses in obtaining bonds, lines of credit and/or required insurance. Questions regarding assistance and bids should be directed to Rivers Topping at (406) 586-1995. Questions regarding obtaining bonds should be directed to Austin Neff at (760) 822-2184, or Austin.Neff@TheBondExchange. com. All bids should be faxed to (406) 586-3530 or emailed to bsbjv@Barnard-Inc.com. PROPOSALS: We ask that all subs and suppliers complete this form and return to BSB as soon as possible indicating your interest in the Project. At this time we are asking all subs and suppliers follow the below schedule for submitting cost proposals to insure sufficient time to evaluate all proposals. CITY OF CHICAGO or COOK COUNTY MBE/WBE CERTIFICATION FORM DUE BEFORE: September 27, 2019 SCHEDULE C AND SCOPE DUE BEFORE: October 11, 2019 BID DUE BEFORE: October 25, 2019 __________________________________

HELP WANTED JOB OFFER PERSONAL CAREGIVER ASSISTANT BEVERLY AREA POSITION MUST HAVE DRIVER’S LICENSE CALL (773) 233-5678 ASK FOR PAUL CALL AFTER 6:00 P.M. __________________________________

EMPLOYMENT DRIVERS

KICK OFF A NEW CAREER AT TTI! $1600 Sign-on Bonus! EXPERIENCED DRIVERS *Flatbed *Step Deck *Van *LTL Reefer. Pay is 26% Gross Flatbed/Step Deck & up to .53/mile Van/Reefer. Full benefits w/FREE Health & Life Insurance, 6 paid Holidays, + Industry leading Driver Bonus Program! Must have Class A CDL. Call Ruth or Mike at TTI Inc 1-800-222-5732 Apply online ttitrucking.com _________________________________

SERVICE

WANTED TO BUY OLD SLOT MACHINES WANTED BY COLLECTOR. ALSO BUYING OLD JUKEBOXES, 10 CENT COKE MACHINES AND SMALL ANTIQUE SAFES. I PAY CASH AND PICK UP. 314-707-0184. __________________________________

MISC. TRAINING/EDUCATION AIRLINE CAREERS FOR NEW YEAR BECOME AN AVIATION MAINTENANCE TECH. FAA APPROVED TRAINING. FINANCIAL AID IF QUALIFIED - JOB PLACEMENT ASSISTANCE. CALL AIM 800-481-8312 __________________________________

RENTAL Newly decorated 4 room, 2Br apt. 5200 block S Racine, $650/mo., stove and refrigerator Ask for Mr. Lambert 773-370-7744 __________________________________

HEALTH Is Your Child’s Physical Development on Track? (StatePoint) All children develop at their own pace. Sometimes however, a child may not do certain activities that other children the same age are doing -- like sitting without support, rolling over, walking or other physical skills. Parents may question whether their child has a physical developmental delay. How can you tell if your child’s physical development is on track? Free online tools and guides can be a good start. The American Academy of Pediatrics (AAP) offers an interactive tool called “Physical Developmental Delays: What to Look For,” available at healthychildren.org/motordelay. Available in English and Spanish, this interactive tool helps parents learn more about their child’s physical development, and how to talk to their child’s pediatrician about their concerns. A physical developmental delay can be a sign of a serious health condition, so it’s important to discuss your concerns with your child’s pediatrician and get help as needed. __________________________________

Understanding PKU: A Rare Genetic Condition (StatePoint) Imbalances in mood, learning, memory and motivation could be a result of PKU, which is short for phenylketonuria. Also known as PAH deficiency, this is a rare genetic condition that disrupts neurotransmitters in the brain and requires a special diet. For the approximately 16,500 people living with PKU in the U.S., there is good news. Not only can strict diets that limit many high protein foods and other lifestyle changes help, ongoing research has led to the approval of two therapies for the condition, and a third is currently under development. To learn more about PKU, as well the work being done by BioMarin, a pioneer for research and treatment of PKU, visit www.PKU.com. Recognizing the signs of PKU and getting treatment is critical for proper management of the condition. __________________________________

Darrell Garth

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Janice Garth

Sales Manager General Manager

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12 | CITIZEN | Chatham Southeast | Week of Sept. 25, 2019

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