Facing chatham may 17 2017

Week of May 17, 2017 Vol 53 • No 06 • www.thechicagocitizen.com

Governmental Affairs

Weekly

OUR VIEW: OBERWEIS’ BILL IMPERILS PUBLIC’S RIGHT TO KNOW + P3

Chatham Southeast

MAKING YOUR DOLLARS COUNT

After health difficulties forced her to retire early, 61-year-old Mary Sproulls has struggled to support herself and her developmentally disabled adult son on her small monthly disability check. This winter, her cupboards were nearly empty when she noticed a phone number in the monthly newsletter circulated by her health insurance provider, Harmony Health Plan, which serves Medicaid and Medicare recipients in Illinois. The phone number offered help with utilities, housing and food.

She called the phone number and was surprised that, within a few minutes, the operator had located a food pantry close to where Sproulls lives in the South Shore neighborhood of Chicago.

The next morning, Sproulls received three days worth of food and a list of other resources.

“Thank God for that. I called that number and it worked,” said Sproulls, who has continued to rely on local food pantries since that phone call. “It changed my life tremendously.”

Sproulls had called the Community Assistance Line (CAL), which has been staffed and operated by Harmony Health Plan since 2015, and which connects both members

BUILDING BLACK WEALTH Programs Help Homeowners Secure the American Dream

> SEE MORE PAGE 2

The National Urban League and the Chicago Urban League have historically played a pivotal role in helping blacks to build generational wealth by becoming homeowners. Photo Courtesy of The National Urban League

News ENTREPRENEURSHIP IS ONLY FOR RISK TAKERS P3

Member

Special Finance Edition

CAL Line Helps South Shore Resident

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Audit Bureau of Circulation ABC AUDITED

TIPS FOR BUYING OR SELLING A HOUSE

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www.thechicagocitizen.com • 52 years of serving the Black community

2 / CITIZEN / Chatham Southeast / Week of May 17, 2017

news

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Programs Help Homeowners Secure the American Dream

By Christopher Shuttlesworth

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he National Urban League played a pivotal role in the 20th-Century Freedom Movement and grew out of the spontaneous grassroots movement for freedom and opportunity that came to be called the Black Migrations, according to iamempowered. com. In a time where black homeownership is “endangered,” according to the National Association of Real Estate Brokers (NAREB), the National Urban League is still helping blacks build generational wealth through homeownership.

Cy Richardson, who is the National Urban League Senior Vice President for Economics and Housing Programs, said the National Urban League has been a long-time provider of home-ownership preparation, home-ownership education and housecounseling service for over 20 years.

“We are permanently committed to opening up first time home ownership for communities of color,” Richardson said.

“It is predominantly the way to build into generational wealth in American society.”

Richardson explained that there has been some retrenchment and fall back for African Americans in home ownership. So, he said the National Urban League decided to double down on their commitment for social compact around the ability to own a home sustainably and responsibly, which results in the wealth of generational assets.

“Our acknowledgement of homeownership is a key accelerator and narrows the nation’s wealth gap, which is something we have to be more intentional in talking about,” Richardson said.

He said one key piece of information that org, The Chicago Urban League Housing Department is a HUD-certified counseling he would give to first time home owners is to agency as well as a City of Chicago introduce them to some of the myths of home Department of Housing Delegate Agency. It ownership. provides low-to-moderate income residents “The first piece of advice would be to with professional housing counseling introduce them to some of the myths that are assistance through various programs and out there today in terms of having to have 20 percent down, having to have foreseen credit services. and having to have a certain documentation The Chicago Urban League programs structure,” provide, mortgage default counseling, Richardson said, predatory lending “The reality is that counseling and firstthere are a number of time homebuyer’s banks that are offering counseling. Free affordable products as workshops and little as 3 percent down individual counseling and you don’t have to services are provided have foreseen credit and

by Certified Housing forms of documentation.”

Counselors through He continued to say the following that the National Urban programs: League believes that the w First Time system of structure should Home Buyers maintain its openness for w Education access to the community w Foreclosure Cy Richardson Photo Courtesy of The of color.

Counseling “We want to prepare National Urban League w Financial Literacy people responsibly, prepare The Chicago Urban people for products that suit them and be League Housing Department continually deliberative in terms of the timing that it takes searches for new opportunities in both to be a successful homeowner,” Richardson development project related services and said. private partnerships for financial support, “Now is the time not to retrench, according to its website. but to continue to [take advantage] of For more information, contact homeownership opportunities in the merging Margret Wooten, Senior Director of market by connecting with banks and Housing at 773-285-1500 or mwooten@ other financial service companies that have thechicagourbanleague.org. For more products that are affordable and suitable to information about the National Urban the constituents that we care about.”

League, visit http://nul.iamempowered.

According the thechicagourbanleague. com

COMMUNITY FOCUS Congressional Black Caucus Foundation Meets With Representatives From Industry and Small and Minority Busines Chicago, IL – Congresswoman Sheila Jackson Lee, Chair of the Congressional Black Caucus Foundation and past 1st Vice Chair, released the following statement about the CBCF Executive Economic Summit taking place in Chicago: “We have gathered in Chicago and we have been welcomed by the congressional office of Representative Bobby Rush, and by Representative Danny Davis, and Representative Robin Kelly, to explore ways to open doors of economic opportunity to those who are far too often shut out. The CBCF Executive Economic Summit offers a unique chance to glean best practices of blackowned businesses while also recognizing the realities of black business flight and socioeconomic hardships facing many of our urban centers.”

“Our purpose is to identify strategies for black business growth and development. Attendees are provided unprecedented access to some of the nation’s most compelling business and marketplace thought leaders, CEOs, entrepreneurs, philanthropists, investment groups, financial professionals and policy makers.”

“Distinguished guests include John Rogers Jr., the Chairman and CEO of Ariel Investments, one of the largest AfricanAmerican-lead money management firms in the country;

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BUILDING BLACK WEALTH

actor, philanthropist, and businessman Hill Harper; attorney, businesswoman, and TV commentator Star Jones and members of Congressional Black Caucus Foundation board and staff.”

“Together, we will explore ways to enhance capital expansion, support entrepreneurial education, strengthen strategic partnerships, and develop strategies and policy recommendations for achieving economic parity. The Congressional Black Caucus Foundation has held Executive Economic Summits across America in New York, Silicon Valley, Atlanta, and Chicago. We have engaged with many business leaders in those areas. We will hold our next Summit in Houston, Texas. Our goals are to ensure that the Congressional Black Caucus Foundation, which has its origins in the Congressional Black Caucus, bring policy issues outside the beltway and listen to African Americans throughout America.

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CITIZEN Chatham Southeast / Week of May 17, 2017 / 3

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GOVERNMENTAL Affairs

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EDUCATION The Thurgood Marshall Center Trust (TMCT) is celebrating the 63rd anniversary of passage of the historic Brown vs Board of Education case that ended centuries of ‘separate but equal’ education in the United States.

The Center is hosting a fundraising Gala on Wednesday, May 17 to observe the seminal event and also announce the TMCT Call to Action: “Equal Education for All Based on the Brown Decision.”

The event, to be held at the Thurgood Marshall Center for Service and Heritage, 1816 12th Street, NW, Washington, DC 20009, comes against the backdrop of a significant and troubling retrenchment of access to education for African America, Latino and other children.

According to The Leadership Conference on Civil and Human Rights, beginning in the 1980s, courts turned against desegregation plans - denying new petitions to desegregate schools, ending previous court imposed plans and even striking down voluntary plans created by local school districts.

HEALTH Trotter Bill expands HIV testing for at-risk mothers SPRINGFIELD – Legislation intended to offer additional HIV testing for at risk pregnant woman in their third trimester passed an important Senate committee recently. House Bill 2800 equips pregnant women with the another opportunity to know their HIV status during the prenatal stage to make informed decisions that will benefit them and in return reduce the risk of spreading the disease.

The measure adds on to the Perinatal HIV Prevention Act by furthering efforts to provide vital information to pregnant at risk women. “This is a significant piece of legislation that passed out of the Public Health Committee. It is vital that we increase HIV testing for at-risk pregnant woman in their third trimester as opposed to only testing in the first trimester to prevent the spread of disease. Too often we see the need to do more good in improvised communities as far as HIV testing is concerned and we ignore it, but no more. By offering additional prenatal testing, we decrease the chance of transmission to the infant,” said State Senator Donne Trotter (D-Chicago).

LAW AND POLITICS Steans Sponsors House Bill 40

SPRINGFIELD – Recent rollbacks to women’s rights led State Senator Heather Steans (D-Chicago) to sponsor House Bill 40 to ensure that Illinois will remain a state where women can safely and legally exercise their right to choose. House Bill 40 removes the “trigger” provision from a 1975 Illinois law that would reinstate previous state policy banning abortion in the event that Roe v.

Wade is overturned by the U.S. Supreme Court. Additionally the legislation will allow abortion coverage for individuals on Medicaid or covered by State Employee Health Insurance plans. “I hope that Gov. Rauner will stick to his word and sign HB 40,” Steans said.

CAL Line Helps South Shore Resident

Janice Garth

Our View: Oberweis’ bill imperils public’s right to know

Legislation to allow the dissemination of public notices only on the internet in Illinois is a radical departure from the proven public notice system that all other states use. As a result, the public’s right to know would suffer. The bill should be defeated.

Dissemination of information to citizens through publication of public notices protects the public’s right to know.

Through public notices, units of government inform the public about what they are doing or proposing which, in turn, helps the pubic effectively engage in the democratic process. The cost for public notices is minimal to each unit of government, usually less than a 10th of a percent of the budget.

Legislation that took effect five years ago goes further. The Illinois Legislature unanimously approved a bill requiring newspapers to post all public notices they print on a public, free-access centralized website at no additional cost to government. That website is PublicNoticeIllinois.com.

The system works well. Newspapers disseminate public notices and then certify that governments have complied with public notice laws. The public is served efficiently, in print and online.

However, some people want to change it.

Senate Bill 2032 would allow units of government to bypass publishing notices in local newspapers and, instead, post public notices on their own websites or on a state-run website.

State Sen. Jim Oberweis, R-Sugar Grove, introduced the bill in February; a Senate committee is reviewing it.

Lt. Gov. Evelyn Sanguinetti is a strong supporter; a task force she headed issued a report in December 2015 that favors the concept of “modernizing public notices.”

Frankly, we are appalled by their cavalier attitude toward public notices and government transparency.

As a respected, independent third party, newspapers reliably transmit this information in print and online. Newspapers for centuries have played a key role in the legal process of public notices by publishing, certifying and archiving them. It’s a long proven process.

By contrast, government is unreliable.

The Citizens Advocacy Center reviewed Illinois local governments’ track record for posting notices online in three basic areas – public meeting notices, public meeting agendas and approved minutes from public meetings – as required by law through the Open Meetings Act. Of more than 750 websites surveyed, only 73 percent of governments complied with posting meeting notices, 57 percent complied with posting an agenda and a mere 48 percent complied with posting approved meeting minutes.

That’s unacceptable.

What can the public expect if local governments bypass newspapers and post public notices online?

The same dismal record of noncompliance and lawbreaking.

That would be a terrible blow to transparency.

We are unconvinced that public notices, if placed only on government-controlled websites, would have anything close to the same readership they have now.

Senate Bill 2032 is a radical departure from the proven public notice system that all other states use.

Government would inevitably become less transparent, especially for people who aren’t online.

And the public’s right to know, rather than being protected, would be diminished.

Politicians like Oberweis and Sanguinetti ought to know better.

They should realize that public notices in Illinois were “modernized” more than five years ago through legislation establishing the centralized website, which is PNI. The bill should be defeated.

Published in Shaw Media April 24, 2017

and non-members to non-medical support services in their communities. The help line was created in response to a growing body of research showing the powerful role that nonmedical factors – such as fresh food, stable housing, dependable heat and transportation – have in shaping health outcomes. In Illinois, the community assistance line connected nearly 800 people to services in 2016 and almost 500 so far in 2017.

“We know these are critical factors that have a direct impact on outcomes, and that’s why we operate this help line to connect our members, as well as non-members, to existing supports in their communities,” said David

Reynolds, Harmony’s acting president.

After a second phone call to the help line, Sproulls was able to get on a waiting list for subsidized housing through another local agency and she hopes to be in a new apartment within a year. “I have cataracts, glaucoma and severe arthritis. The medical conditions can take a toll on you. I was feeling real down and I called that number. The operator was so nice and caring,” said Sproulls, who gets emotional when talking about the experience. “They were really there for me.”

Officials at Harmony believe that the CAL line is the only one of its kind being offered by a health insurance company in Illinois.

Entrepreneurship Is Only For Risk Takers you’re not going to be reimbursed for it,” Herman said.

“It also depends on whether it’s in the right location for Meg Herman, director of entrepreneurial services at which those reimbursement grants are offered. So, there the Women’s Business Development Center, discussed the isn’t any magical money out there.” importance of entrepreneurship and gave insight on how Robert Flair, owner of Ora Lee’s Gourmet Foods business owners can get their ideas off of the ground and is one of those risk takers. He recently had the family’s running. Herman made her remarks on May 15 and 17, special recipe of gourmet potato salad featured on Windy 2017 at two local events entitled, ‘Is City Live and the future of the business Entrepreneurship Right For You?’ looks bright. Flair said he is fortunate to and ‘Meet With A Small Business have the potato salad in 15 restaurants Advisor.’ including Red Snappers and Sharks. But Herman, who has been in he said his ultimate plan is to get the business for more than 30 years, recipe in grocery stores like Jewel Osco and said she has come to realize that Mariano’s, with the support of local business entrepreneurship isn’t for everyone owners and community residents. and that entrepreneurs must be “I just need people in the community passionate as they go through to know more about black home-made food the ups and downs of owning a and black-owned businesses,” Flair said. “We business. need our products on the market and in the “You have to be willing to step stores too. Why not? We used to have it and out there and take some risks,” everyone else has their food out there.”

Herman said. “You have to be Flair said if his product was in grocery willing to do the work of working stores like Jewel Osco, it would be easy for on the business as well as doing local residents to get good, home-made your passion so you can grow the potato salad. business. It’s a lot of work, but there “If residents don’t feel like cooking, I can be a lot of rewards.” want them to have a place where they can Meg Herman, director of Herman explained that it takes entrepreneurial services at the get some good, old-school potato salad,” more money to build a start-up Flair said. “I want them to go to Sharks, Red Women’s Business Development business than most people realize.

Center, has been in the business for Snapper’s, Jewels or [Mariano’s] and pick more than 30 years. Herman said She said there are not any grants up some potato salad and not have to do she has learned that entrepreneurs for small businesses, but there are anything to it, but just eat it. That’s the kind need to be risk takers, well-thinkers loans. of support that I need.” and have an advisor to guide them “It’s a journey of thinking as Herman said major challenges of this through the financial and legal well as opportunities for doing,” aspects of raising capital and gaining nature can be averted by small business Herman said. “You really have to more success overtime. Photo By: owners working with an advisor, learning curve your spending appetite if you Christopher Shuttlesworth how to work more on their business and want to have a business because the learning how to build a business plan. business needs the money to grow,” “You have to develop your thinking she said. “People think that somebody is just out there about the business and how it should be run and who’s the offering grants and that’s just not true.” market,” Herman said. “You must know your competition She continued to explain that in some cases, small for just the kind of clients that you’re going to have, not business owners can be considered for community everyone in the world. Then learn how do I reach my specific development grants and small business innovation funds clients and how do I do it in a way that I can replicate the up to $150,000. But Herman said these types of grants offer consistently and that is where operations comes in? require business owners to pay out of their pocket first [Also] learn how do I price things effectively given the cost and then the City of Chicago will pay the business owner of the market? These are things for new businesses to think back. through in order to be successful overtime,” he said.

“If you don’t have the money to put out first then

By Christopher Shuttlesworth

www.thechicagocitizen.com • 52 years of serving the Black community

CITIZEN / Chatham Southeast / Week of May 17, 2017 / 5 4 / CITIZEN / Chatham Southeast / Week of May 17, 2017

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JUNE

Five Key questions when choosing a broker to sell your home CHICAGO, May 4, 2017 – When it’s time to sell their home, most Americans have their eye on the bottom line. RE/MAX brokers say sellers want to know, first and foremost, how much their home is worth, what commission the broker will charge and how much they might have to spend to get the home ready to sell.

“Those are vital questions, but they aren’t the only ones,” said Jack Kreider, executive vice president and regional director of RE/MAX Northern Illinois.

Choosing a broker can be confusing because most of us sell a home only every 10 to 15 years, and the real estate business has seen dramatic changes over the last decade thanks to the internet.

According to Kreider, the secret to success lays in choosing a broker whose approach to selling homes meshes with a seller’s goals and preferences, and the way to make that happen is to ask the right questions.

Based on interviews with RE/MAX brokers, here are five questions that sellers should definitely ask when selecting a selling broker.

1. What is an appropriate listing price?

Whatever the ultimate sales price, the listing price is a vital important starting point, noted Mary Reuter Kenney of RE/MAX Excels in Geneva, Ill. “Some sellers and some brokers may be tempted to start with an elevated list price hoping to find an eager buyer, but if the list price is too high, it can keep buyers away. The longer a home sits on the market, the lower its eventual selling price is likely to be, so a realistic list price is essential. Sellers should ask a broker to present a list price recommendation based on the recent sales prices of comparable homes in the area, while also keeping the impact of current competition in mind.”

2. What are the expenses, besides commission, that sellers will face?

“Many sellers aren’t aware that there are selling expenses beyond the broker’s commission,” said Kyra

Pych of RE/MAX in the Village, Realtors, Oak Park, Ill. “Those fees will vary depending on local custom, so even with experienced sellers, I go through all that with them: costs for title search, for the lot survey, for attorney fees, transfer taxes and other things. In some cases, those fees can determine whether or not a seller must bring money to the closing table, so they need the full picture,” she said.

3. How will you market my home, especially online?

Because more than 90 percent of buyers use the internet as part of their home search, effective online marketing is vital these days.

“Sellers need to understand how a prospective broker approaches internet marketing,” said Karen Danenberg of RE/MAX Suburban in Buffalo Grove,

NABJ Names Ryan 2017 Journalist of the Year

April Ryan

(Black PR Wire) Washington, D.C. -- April Ryan has been selected as the 2017 Journalist of the Year by the National Association of Black Journalists (NABJ). The annual award recognizes a black journalist who has a distinguished body of work that has extraordinary depth, scope and significance to people of the African Diaspora.

A 30-year journalism veteran, Ryan has a unique vantage point as the only black female reporter covering urban issues from the White House - a position she has held for American Urban Radio Networks(AURN) since

January 1997. Her position as a White House correspondent for AURN has afforded her unusual insight into the racial sensitivities, issues and political struggles of our nation’s last three presidents.

“April Ryan is a true trailblazer and truth seeker. She’s dogged and unapologetic about her pursuit of the story,” said NABJ President Sarah Glover.

“In the White House press corps circle, where too few black women have been given an opportunity to report, April has excelled and persevered in spite of the many obstacles she has confronted. Her work has risen to the top.”

Ill. “If done right, it lets buyers get to know a house before they walk in, but to do that you need good pictures and good verbiage. If I were a seller, I’d ask to see how a broker had marketed comparable properties, and not just the photos and text on the MLS, but also what they did on social media, which is becoming a huge factor.”

4. How will the seller and broker work together?

It’s a key issue and one with many dimensions, noted Damian Ciszek of RE/ MAX 10, Chicago, but there can be marked differences among brokers.

“I work on my own,” Ciszek explained, “so I handle everything for my clients, but other brokers may be part of team of brokers or may have unlicensed assistants who deal with some aspects of the sales and marketing process.

Sellers should understand from the beginning what information they will be getting and how frequently and just what is expected of them.”

5. What is the broker’s approach to preparing a home for sale?

Some brokers focus on maximizing value.

That can mean a fair amount of pre-listing preparation for the seller but also a higher sales price. Other brokers are more willing to price a home to reflect its current condition if the buyer lacks the time or the resources to make cosmetic improvements.

Jennie McLaughlin of RE/MAX Hub City in Rochelle, Ill., said she is among those who emphasize making the homes she lists more salable, both in terms of exterior curb appeal and interior appearance.

“Curb appeal is extremely important because it defines the first impression that buyers have of the property. Inside the home, it isn’t always necessary to invest a lot of money, but getting the home clean and decluttered can pay huge dividends, not only in a better sales price but also in a faster sale,” she said.

Alfred A. Edmond Jr. Pens Free E-Book on How Love and Relationship Choices Impact Your Career, Business and Finances Verona, NJ, – A new book by award-winning business journalist and relationship educator Alfred A. Edmond Jr. focuses on how business, career and financial success is either served or sabotaged by the choices we make in pursuit of sex, love and relationships. Buy Love, Get Trouble. Sell Love, Get Screwed is available as a complimentary E-book for a limited time only.

Alfred Edmond Jr., is best known as an awardwinning business journalist, editor and media executive with Black Enterprise and host of the nationally syndicated radio feature Money Matters for American Urban Radio Networks. He is a widely-recognized expert on personal finance, entrepreneurship, mentorship, leadership development and the practical application of faith in daily living. With wife Zara D. Green, Edmond is also co-creator of Grown Zone Relationship Education (GrownZone.com) and co-author of Loving In The Grown Zone: A NoNonsense Guide to Making Healthy Decisions in the Quest for Loving, Romantic Relationships of Honor, Esteem, and Respect(Balboa Press).

www.thechicagocitizen.com • 52 years of serving the Black community

IS MONTH BLACK IN MUSIC MAY

16 / CITIZEN / Chatham Southeast / Week of May 3, 2017

It’s all about Money, Mortgages and Making Your Dollars Count!

Music can be therapy to your soul…

Don’t miss the Citizen’s special edition on music coming up in June.

Do you represent a financial institution?

Reserve space If you know of a local musicianyour or artist you’d in likethe to see featured drop us a line.

Send your suggestions to us at: editorial@thechicagocitizen.com Citizen’s special Money Matters Ad Section Please place JUNE ISSUE in the subject line of your email in order to be considered.

on May 17. Call us 773-783-1251 for a quote.

Noat Telephone Calls Please!

Join the conversation Weekly

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6 / CITIZEN / Chatham Southeast / Week of May 17, 2017

fashion

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CITIZEN / Chatham Southeast / Week of May 17, 2017 / 7

Fashion tips that help make a statement match that combo with the right sparkling highlighter.

The right make-up can complement any look that you want to create as long as you remember that every element has to work together.

Make-up artist Ebony Harris, uses multi-colored shadows, glitters, and everything else in her make-up arsenal to capture her clients’ vision for their look.

“I always ask my clients, ‘What’s the occasion?’ or ‘What does your favorite outfit look like?’ so, that I can make sure that I apply the perfect look,” said Harris.

When it comes to clothes, it’s always best to not be too “matchy, matchy,” but when it comes to your face, a coordinated look is your best bet.

Source: Delaney George (Data News Weekly/NNPA Member)

Next Level of Gentlemen’s Sneakers by RUBIROSA ST. GALLEN, Switzerland-- Flavio Agosti, the co-founder of RUBIROSA, recently announced a men’s shoe that helps the wearer relax and move better either at home or on-the-go by combining comfort and high quality in line with the ability to correctly secure the shoe with a simple well-knitted shoelace.

RUBIROSA is a Swiss-based private firm established with the primary aim of ensuring that customers get high quality and innovative products at great prices, leveraging on years of experience in craftmanship, quality control and production management. The firm is focused on designing gentlemen’s shoes using the high quality leather materials as well as the experience of centuries of traditional Italian craftmanship.

RUBIROSA products are born out of the philosophy of the legendary Latin American gentleman Porfirio Rubirosa, a fashion icon who lived between 1909 and 1965.

For more information about the gentlemen’s sneakers, visit www.rubirosa.com

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Saks OFF 5TH Celebrates Grand Opening NEW YORK -- On Thursday, May 11, Saks Fifth Avenue OFF 5TH celebrated the grand opening of its new store in Honolulu, Hawaii at Ala Moana Center.

“We’re excited to open our second store in Hawaii, and provide shoppers with convenient access to designer brands at the exceptional value that Saks OFF 5TH is known for,” said Jonathan Greller, President, Saks OFF 5TH and Gilt. “Ala Moana Center is a prime tourist destination for travelers around the world and a great location for us to expand our Hawaiian presence in.”

Saks OFF 5TH features an ever-evolving selection of luxury designer fashion, accessories and footwear from more than 800 leading brands for men, women and children. The new store will feature an open, modern layout and playful, graphic elements in an easy-to-shop environment.

Flavio Agosti, the co-founder of RUBIROSA, recently announced the launch of a new sneaker for men.

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Fashion is not just the clothes, the hair, the shoes or the accessories; fashion is every little element combined that makes “the look.” Makeup is one of those crucial elements that can make or break your desired look. While going natural is acceptable, a little make-up can enhance any look. Here are a few tips to make sure you don’t waste a great outfit on bad make-up.

Always remember that make-up is applied in layers.

Just like with other fashion elements, you have to start with the right foundation; then you have to build on it.

When it comes to clothes, it’s about matching the right shirt or blouse with the right skirt, then matching the right skirt with the right shoes, adding the right accessories etc. When it comes to make-up, you have to match the right eye shadow with the right lip color, then

8 / CITIZEN / Chatham Southeast / Week of May 17, 2017

church

CITIZEN / Chatham Southeast / Week of May 17, 2017 / 9

Widows Confront Years of Hardship Without Life Insurance, according to survey

> Profile > Inspirations > Bible verse

CHRIST UNIVERSAL PREMIERES TEMPLE SCHOOL OF PERFORMING ARTS

Christopher Shuttlesworth

Inspirations

Iona Calhoun School of Ballet Partners with Iconic South Side Church

Chicago - Christ Universal Temple recently opened the Christ Universal Temple School of Performing Arts for 6- to 12-year-old aspiring dancers. The 12-week session will focus on the fine art of ballet and will be taught by instructors from the Iona Calhoun School of Ballet.

Classes will be held every Wednesday from 6 p.m. to 8 p.m. through July 26 at The Temple, located on 11901 South Ashland on Chicago’s South Side.

The Temple School of Performing Arts is the brainchild of Dr. Hareder McDowell, the director of The Temple’s youth’s ministry, and music director Martin Woods. McDowell says the school will offer families a timely opportunity to engage with professional artists directly in the South Side church.

“With so many of our schools losing their arts programs, it’s so important to offer children valuable artistic and cultural learning experiences that they will be able to carry with them into adulthood, ” states McDowell.

Senior Minister The Rev. Dr. Derrick B. Wells underscores the need to capture the attention of his younger church members now by providing opportunities and activities that will encourage them to visit the church more often than just on Sundays.

“We are happy to see so many young people accompany their parents on Sundays, and we welcome the opportunity to be an important part of their lives as individuals. We offer many worthwhile services designed specifically to expand and improve upon our children’s outlook on the future. The Temple School of Performing Arts is our newest and most ambitious to date.”

The summer dance program with the Iona Calhoun School of Ballet will serve as the inaugural session for the performing arts school.

Church organizers hope to secure similar partnerships with other local organizations to provide training in music and spoken word.

Children or their parents do not have to be members of the church to participate in the school. Organizers may be reached daily at 773.568-2282 for more information.

About The Temple:

Christ Universal Temple, located on 11901 South Ashland, is led by Chicago native the Rev. Dr. Derrick B. Wells. The legendary Rev. Johnnie Colemon founded the church more than 60 years ago. The Temple’s original teachings are based on the idea of better living through metaphysical Christianity, and the key to happy and successful living is right thinking followed by right action. More information about The Temple is available at cutemple.org.

THEME: GROWTH

1 Timothy 4:15 - Meditate upon these things; give thyself wholly to them; that thy profiting may appear to all.

from Rev. Dr. Derrick B. Wells,

Senior Minister of Christ Universal Temple

VISIONARY LEADERSHIP

L

eadership is often defined as influence, and everyone has influence. One of the responsibilities of effective leaders is the ability to see into the distant future with clarity and vision. Effective leaders develop this essential ability and eventually master the skills necessary to envision a preferred future and lead into an enlarged territory.

Repeatedly in scripture, we see the vision that God gave just out of reach of the person or people to whom the vision was given. Often times, life seems to imitate this same motif where the vision that God gives us seems to be just out of our reach. That it is just beyond our reach can become a source of discouragement and disappointment for some.

However, it should be reassuring for you and I to know that just because the vision is out of reach, it does not mean that it is not for us.

As Joshua was preparing to lead into the Promised Land, a word of reassurance was delivered to him. The word was reassurance that just as God had been with Moses, God would also be with him. Joshua was reminded that he should be strong and courageous and that he should not be afraid or dismayed.

It can be hard to believe in the possibility of the promise because we have difficulty seeing the possibilities that God put in us. We convince ourselves that God has made a mistake in calling us up to bat.

Leadership and vision go hand-in-hand. When we have leadership without vision, we get lost without a place to go. When we have vision without leadership, we get people excited about a place we cannot take them. It is in the place of our greatest uncertainty that God will speak and helps us to see the potential to our greatest improvement.

Families face loss of loved ones everyday, but sometimes the extended tragedy happens after the person dies.

According to a 2014 New York Life survey, 77 percent of women reported feeling secure about their finances before the death of their spouse, but they were faced with a very different picture afterwards.

The 2014 New York Life survey reported that “68 percent of women experienced significant life changes after the death of their spouse with financial concerns at the top of the list, and 59 percent of women said they didn’t have enough life insurance in place to feel financially secure.”

Henry Benjamin, who has served as an Allstate Insurance Agent for 31 years, said what most people do not

understand is that when the death of the male spouse takes place, women not only lose their best friend, but they also lose half of the income.

“When you look at the hardship that women face after the spouse is deceased, it’s unbelievable,” Benjamin said. “When you look at it in terms of the numbers, the woman has to find another husband, reduce her lifestyle, move from the neighborhood that she loves or the worse, which is move back with her kids.” That is what happens when a person doesn’t buy life insurance,” he said.

Benjamin added no one knows who is going to die first between the male and the female or the wife and the husband, but statistics show women live longer than men.

“You should want to protect your family by buying life insurance so when you’re no longer there, your

Henry Benjamin, who has served as an Allstate Insurance Agent for 31 years, said it is crucial that men, especially young African American males apply for life insurance so that if they die, their wives and children will still be able to maintain the same lifestyles as before.

Photo courtesy of Henry Benjamin, Allstate Insurance Agent

family is protected,” Benjamin added.

He continued to say if a family is blessed enough to buy a home, but is forced to give it back to the bank after their significant other passes away, then they are missing the boat.

“We want to be in the position to buy the house, but at the same time, plan so in the event of the unforeseen, the family can stay in the school environment and the particular neighborhood just by buying life insurance,” Benjamin said. “This is something the African American communities just haven’t gravitated to.”

He said there are various reasons

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why African Americans continue to lack quality life insurance, but the main reason is their lack of education.

“Number one is a lack of education,” Benjamin said. “They also don’t have the economical means and we haven’t been taught from a family perspective.

Our parents should turn around and help us [during] the planning stage. So, I think from the home environment... if we turned around at the dinner table and begin to discuss these things, then when you get to home ownership you’re going to make sure during an unforeseen incident, your wife and children will still be able to maintain that same standard of living.”

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calendar

DuSable High School’s 82nd anniversary celebration will salute DuSable’s Men of Distinction

The DuSable High School Alumni Coalition for Action invites all classes, past and present, as well as the general public to this scholarship fundraiser which will benefit the DuSable campus’ small high schools.

DuSable High School’s 82nd anniversary celebration will honor some of the men of distinction the school has produced since opening in 1935. Honoree Timuel Black, whose expertise is often called upon by the Chicago news media regarding historical matters, was a member of the school’s first graduation class in 1937. Black also taught at DuSable for a period of time.

Some of the other honorees are Judge William Cousins, politician Howard Brookins, community activist Kublai Toure, educator Reuben Crawford, banking specialist Lawrence Allen, recording artist Marshall Thompson and jazz guitarist George Freeman.

The DuSable Alumni Coalition for Action’s last gala featured “Powerful Women.” Other galas have featured themes such as “DuSable’s Landmark Status,” which the DuSable High School Alumni Coalition for Action fought hard to win before it became official in 2013.

Event Details: The New Martinique 8200 So. Cicero Ave. Burbank, Illinois Saturday, June 3, 2017 12pm to 4:30pm Dinner and an open bar are included.

Tickets are $60 per person.

For ticket information contact: Sylvia Alston at 773-419-4835. All are welcome to join this historic celebration and fundraising event.

Chicago Youth Centers Hosts Annual Believe In Kids Dinner: Above & Beyond

THERE’S AN APP FOR THAT

EVENT OF THE WEEK

CHICAGO KIDNEY ACTION DAY

On June 6, Chicago Kidney Action Day will include free health screenings, healthy food samples and more.

Kidney Action Day is coming to Chicago on Tuesday, June 6! The American Kidney Fund’s Kidney Action Day offers free health screenings, healthy food samples, interactive fitness demonstrations, prizes and giveaways, and lots of entertainment and activities for the entire family.

Take action for your health on Kidney Action Day. The event will be held at the Richard J. Daley Center Plaza from 11:00 a.m. – 3:00 p.m. for a day of awareness and action against kidney disease.

Event Details: Chicago Kidney Action Day

Winner, Lydia Diaz, a CYC parent, and 2017 Epstein Scholarship Winner, Maleek Willis.

Willis is a senior at Farragut High School that will be attending Florida Memorial University with help from Chicago Youth Centers. He will discuss how the nonprofit impacted his life growing up in North Lawndale and how entering college became a reality for him.

CYC supports children and families in underserved communities so they can succeed in the 21st century. Through its seven centers and several partner sites, CYC provides the experiences and resources needed for youth ages 3-18 to persist academically and develop socially and emotionally. Learn more at www. chicagoyouthcenters.org or www.facebook. com/chicagoyouthcenters Event Details: Believe In Kids Dinner: Above & Beyond presented by Wintrust Thursday, May 18th The Standard Club, 320 South Plymouth Court, Chicago

Tuesday, June 6, 2017 11:00 a.m. - 3:00 p.m.

Richard J. Daley Center Plaza 50 W. Washington Street Chicago, IL 60602 For more information visit http://www. kidneyfund.org/prevention/free-kidney-healthscreenings/kidney-action-day/chicago/ or contact: Chad Stewart, cstewart@kidneyfund.org / (301) 984-6644 Facebook: https://www.facebook.com/ events/1266317273484300/

Cocktail Hour 6-7 PM, Dinner and Program 7-9 PM Attire: Business/Cocktail Attire For Tickets: www.chicagoyouthcenters. org or call 312.913.1700 ext. 424

CHICAGO PUBLIC LIBRARY FEATURED PROGRAMMING

Chicago Public Library offers a variety of programs and events each month to engage patrons of all ages and to explore relevant cultural topics. All events are free and seating is first come, first served. Unless noted, events listed here take place at Harold Washington Library Center, Cindy Pritzker Auditorium, lower level. For a complete list of CPL events at all locations, visit www. chipublib.org/events.

Event Details: David McCullough, author of “The American Spirit: Who We Are and What We Stand For” Tuesday, May 16 at 1 p.m.

HWLC, Winter Garden, 9th floor In honor of the opening of the

new American Writers Museum, David McCullough will read from and discuss his new book. This is a collection of speeches by the most honored historian of the United States, and reminds us of who we are and for what we stand. Dr. McCullough will sign copies of the book, which will be available for sale at the event.

One Book, One Chicago Season Finale: Barbara Kingsolver, author of “Animal, Vegetable, Miracle” Thursday, May 18 at 6 p.m.

We are thrilled to welcome renowned author Barbara Kingsolver for the finale of the 2016-2017 One Book, One Chicago season. Kingsolver will discuss her book, “Animal, Vegetable, Miracle” which has helped launch a modern transition in America’s attitudes toward food. Overflow seating with live simulcast video will be available. Books will be available for purchase, and Kingsolver will sign books at the program’s conclusion.

www.thechicagocitizen.com • 52 years of serving the Black community

(StatePoint) Since the credit card made its debut as an alternative to cash over 50 years ago, more Americans are using debit or credit cards as a primary payment method than ever before. In addition to the convenience and simplicity of using a card, another reason they have become increasingly popular is because they offer certain protections for consumers.

Under the Fair Credit Billing Act, your maximum liability for fraudulent credit card transactions is $50 and many credit cards promise zero liability for all fraudulent transactions. While similar protections apply to fraudulent debit card transactions under the Electronic Funds Transfer Act, it’s important to remember that a stolen debit card, however, impacts your bank account balance as soon as the fraudulent transaction occurs. This can lead to other problems, like overdrafts and bounced checks.

For all these reasons, consumers should pay careful attention to their statements to ensure all the transactions taking place are legitimate, advise experts. To understand how you are protected, it’s a good idea to check with your bank to understand their policy on customer liability and to inquire if they offer solutions you can use to protect your card if it’s lost or stolen.

While some card issuers have evolved cards to offer security chips, as well as have created phone apps to protect

against unauthorized charges and monitor purchase activity in real time, some banks are taking extra steps to make debit card usage more secure by putting even more technology in the hands of their customers.

For example, Ally Bank’s Card Controls app -- available at no cost to both checking and money market customers with active debit cards and Android or Apple phones -was designed to give customers more control at their fingertips. By using a secure mobile app associated with their bank accounts, users have the ability to turn their debit card on and off, enable only certain types of transactions, set maximum single transaction amounts and create alerts to be notified when transactions occur. Customers can even set location awareness controls so that the card can only be used within a certain proximity of their phones or within a specified geographic region.

“The ability to proactively control, monitor and manage card usage from a mobile phone provides greater peace of mind,” says Diane Morais, president of Consumer & Commercial Banking Products at Ally Bank, Member FDIC. Fortunately, technology advancements are resulting in new tools that banks can offer their customers to make it easier to control and monitor how and when your card is used, but the services vary from institution to institution. To ensure you are using all the resources available to protect your money, find out what your bank offers to make debit card usage more secure.

T:10.75”

T:6.5”

Chicago Youth Centers (CYC), Chicago’s largest independent youth and family services organization will host its largest fundraiser, The Believe in Kids Dinner: Above & Beyond sponsored by Wintrust on Thursday, May 18th at The Standard Club. The mission of Chicago Youth Centers is to empower children and teens to recognize and experience their full potential. This annual dinner celebrates CYC alumni, families, staff, and supporters, and raises needed funds for Chicago’s largest private youth organization. Chairs of this critical fundraiser are Dixie Adams Erwin (IBM) and Daniel M. Feeney (Miller Shakman & Beem LLP) with Honorary Chair Edward J. Wehmer (Founder, President and CEO of Wintrust.) Guests will enjoy a cocktail reception, dinner and a program.

This year’s program is hosted by CNN correspondent Rosa Flores and will feature remarks from Honorary Chair Edward J. Wehmer (Founder, President and CEO of Wintrust.) The program will also feature the Honorable Kimberly M. Foxx, Cook County State’s Attorney and CYC Alumna as the keynote speaker. Foxx will discuss her personal journey with Chicago Youth Centers and how that put her on a path to becoming the first African American women to lead the Cook County State’s Attorney’s Office—the second largest prosecutor’s office in the country.

The program highlights include the 2017 Epstein-Donnelley Spirit of Youth Award

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12 / CITIZEN / Chatham Southeast / Week of May 17, 2017

CITIZEN / Chatham Southeast / Week of May 17, 2017 / 13

entertainment

1 Something Rotten! Will Play at

Acknowledging Chicago State University’s financial struggles, new Interim President Rachel W. Lindsey said CSU’s staff, administration and students have to do a better job in communicating and promoting a better public image. Photo by Christopher Shuttlesworth

Chicago’s Oriental Theatre

CHICAGO - Broadway In Chicago is pleased to announce that individual tickets for the completely original new musical Something Rotten! will go on sale to the general public Friday, May 12. Something Rotten!, directed and choreographed

by Tony Award winner Casey Nicholaw (The Book of Mormon, Aladdin), with music and lyrics

by Grammy Award winner and Tony Award nominee Wayne Kirkpatrick and Golden Globe Award and Tony Award nominee Karey Kirkpatrick and a book

by Tony Award nominees Karey Kirkpatrick and best-selling author John O’Farrell, opens at the Oriental Theatre (24 W. Randolph) for a limited twoweek engagement that runs July 11-23, 2017.

Nominated for 10 Tony Awards, including Best Musical, Something Rotten! comes to Chicago with three principal cast members direct from Broadway: Rob McClure as Nick Bottom, Adam Pascal as Shakespeare and Josh Grisetti as Nigel Bottom. The touring cast also features Maggie Lakis as Bea, Blake Hammond as Nostradamus, Autumn Hurlbert as Portia, Scott Cote as Brother Jeremiah and Jeff Brooks as Shylock.

The award-winning design team of Broadway veterans includes Scott Pask (scenic design), Gregg

Barnes (costume design), Jeff Croiter (lighting design), Peter Hylenski (sound design), Josh Marquette (hair design), Phil Reno (music direction / conductor), Glen Kelly (arrangements), Larry Hochman (orchestrations), Steve Bebout (associate director), and casting by Telsey + Company/Bethany Knox, CSA. From the director of Aladdin and co-director of The Book of Mormon and the producer of Rent,

Avenue Q and In the Heights, this hilarious new musical comedy tells the story of brothers Nick and Nigel Bottom, two playwrights stuck in the shadow of that Renaissance rockstar Will Shakespeare. When a soothsayer foretells the next big thing in theatre involves singing, dancing and acting at the same time, the Bottom brothers set out to write the world’s very first MUSICAL! With the most singing, the most dancing and the most gutbusting laughs on Broadway, it’s something wonderful... something for everyone... It’s Something Rotten!, “the funniest musical comedy in at least 400 years” (Time Out New York)!

With its heart on its ruffled sleeve and sequins in its soul, Something Rotten! is an uproarious dose of pure Broadway fun and an irresistible ode to musicals — those dazzling creations that entertain us, inspire us, and remind us that everything’s better with an exclamation point!

UNCF HOSTS KICK-OFF RECEPTION CHICAGO – The United Negro College Fund (UNCF), the nation’s largest and most effective minority education organization, recently held a kick-off reception for its annual UNCF “A Mind Is…” Gala – Chicago, at the Hyatt Regency.

The annual, million dollar gala event raises funds for disadvantaged students to attend college. Last year, UNCF gave more than 260 scholarships to deserving Illinois students.

The fun and festive kick-off event brought together some of Chicago’s most influential corporate, civic, political and community leaders including Tom Ricketts, “A Mind Is…” gala chairman and executive chairman of the 2016 World Champion Chicago Cubs. The Chicago Cubs organization is this year’s UNCF “A Mind Is…” Gala Presenting Sponsor.

Kick-off guests also included UNCF “A Mind Is…” Gala Community Award Honorees Timothy J. Rand, president and CEO, MAC One; Everett Rand, owner, Midway Wholesalers; and Larry Huggins, president and CEO, Riteway-Huggins Construction Services; Education Award

Honoree Shayne Evans, CEO and director, University of Chicago Charter School, managing director, University of Chicago Urban Education Institute; and Alumni Award Honoree D’Rita Robinson, founder and CEO, Chatty Guest.

UNCF local and regional leadership welcomed guests to the kick-off, including Fred Mitchell, VP, Development, Northern/Midwest Division; Lisa Rollins, regional director, Workplace Initiatives; Kathleen Jackson, area development director; and Priscilla Stratten, development director.

The “A Mind Is…” Gala will be held Saturday, June 17, at the Hyatt Regency hotel in Chicago. The gala name comes from UNCF’s decades-old slogan “A Mind Is a Terrible Thing to Waste.”

As a part of the “A Mind Is…” Gala, Commonwealth Edison will receive the Corporate Award for its continual commitment to the work of UNCF. For tickets and information, visit uncf.org/events.

Sponsorship opportunities are available. Call 312845-2200.

Attendees, left to right, included: Everett Rand, owner, Midway Wholesalers; Lisa Rollins is: regional director, Workplace Initiatives, UNCF; Tom Ricketts, gala chairman and executive chairman of the 2016 World Champion Chicago Cubs; Larry Huggins, president and CEO, Riteway-Huggins Construction Services; Priscilla Stratten, area development director, UNCF; and Fred Mitchell, VP, Development, Northern/Midwest Division, UNCF. The “A Mind Is…” Gala – Chicago will be held Saturday, June 17. Visit uncf.org/events.

www.thechicagocitizen.com • 52 years of serving the Black community

Chicago State University Hires New Interim President

By Christopher Shuttlesworth

Rachel W. Lindsey was announced as Chicago State University’s (CSU) new Interim President on May 9, 2017 at Chicago State University, located on 9501 S. King Drive. Lindsey, who is under a 10-month contract, discussed her vision and goals for the future of the university, addressed the rumors of CSU possibly merging with another university and also introduced Paul Vallas as the newly appointed Chief Administrative Officer.

“I left retirement to take the responsibility of preparing CSU for the permanent President,” Lindsey said. “I should point out that I never had a day of regret about retiring but it is my deep and abiding passion for CSU’s potential, students, faculty and staff that caused me to come out of retirement.”

Lindsey said everyone knows that Chicago State University has had challenges with enrollment, and right now Vallas and her are both working to put systems in place to improve the enrollment. She also acknowledged CSU’s financial troubles, stating that the school is focused on reviewing its financial processes and making any changes that may be necessary.

“First we have to make sure people understand that we are not closed,” Lindsey said. “I had someone say to me recently ‘oh, I thought the university was closed.’ So, the first thing we have to do is make sure to let the people know that we are not closed. We need to do a better job of communicating to people about the kinds of successes in terms of opportunities that Chicago State can provide.”

She continued to say that CSU needs to work on its public image and do a better job of making sure that people understand the breath of the programs that are offered to the students.

Lindsey also addressed the rumors of Chicago State University possibly merging with another university and said that the Chancellor of the University of Illinois in Chicago told her that the school has absolutely no intention of taking over Chicago State University, adding people have to believe in CSU. “We have to believe, the community has to believe,” Lindsey said. “There are so many examples of how individuals ended up doing things that no one thought they would be able to do. It’s simply because they believed and we need to demonstrate our selfconfidence.”

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14 / CITIZEN / Chatham Southeast / Week of May 17, 2017

CITIZEN / Chatham Southeast / Week of May 17, 2017 / 15

Your help is needed in locating photos of Illinois veterans

By Illinois Press Association When the Vietnam Veterans Memorial in Washington, D.C. was finished in 1983, the wall listed approximately 58,000 servicemen and women who had either died in action or went missing in action during the Vietnam War. Because of a fire at a government storage facility in 1973, the U.S. military lost millions of personnel records, including many of those who were listed on the wall. Although the military and other organizations made efforts to recover lost data, 24,000 veterans listed on the wall had no photo in their military records in 2013.

Thanks to a coordinated effort among Illinois newspapers, nearly 100 photos of Illinois veterans have been located and submitted to the Wall of Faces (available at: http://www.vvmf.org/wall-offaces/); however, as of May 1, 2017, Illinois still has 528 servicemembers who do not have a photo in the Vietnam Veterans Memorial Fund's database.

We need your help.

Adjacent to this article is a list of servicemen and/or women from Cook County that do not have a photo on the Wall of Faces. Do you know any of them? Did you go to high school or serve with one of these men or women? Check your photo archives and yearbooks.

Talk to neighbors and former classmates. Please help honor these veterans by putting a face to the name.

According to the VVMF, the wall was constructed to remind everyone that the names on the wall "represent unique people with hopes, dreams and desirespeople who were loved and who are missed every day by someone they left behind."

"It is important for us to honor these people who served and sacrificed for their country. But, we should also remember that they

were people, just like us.

They enjoyed crazy adventures with high school friends. They had crushes, fell in love and got married.

Some even had children.

They were people with spe-

cial talents and many goals.

There are so many stories on The Wall-stories of people as diverse as our nation itself."

Please help honor these young men and women who

gave their lives in Southeast Asia. The first step to telling their stories is to locate their photos.

If you locate a missing photo of a veteran, submit the photo to The Chicago

Citizen Newspapers at 8741 S. Greenwood Ave., Ste #107, Attn: J Garth/ Veteran Wall. The photo does not have to be of the servicemember in uniform.

Chatham/ SE STATE WIDE page 1

16 / CITIZEN / Chatham Southeast / Week of May 17, 2017

Home&Money

LEGAL NOTICE 5/3/2017

It’s All About Mortgages and Money in May

A

ccording to a January 2017 report released by pewresearch.org, “homeownership in the U.S. has fallen sharply since the housing boom peaked in the mid-2000s, though it’s declined more for some racial and ethnic groups than for others. Black and Hispanic households today are still far less likely than white households to own their own homes (41.3% and 47%, respectively, versus 71.9% for whites), and the homeownership gap between blacks and whites has widened since 2004.” Owning your own home is a part of the American Dream, which is why arming yourself with information about how to shop for mortgages makes good sense. With the weather improving in Spring, homebuyers who may be looking to secure a new mortgage, might find information in this special section helpful. Here’s what the experts are saying about mortgages and getting the most out of your hard-earned dollars.

BEFORE BUYING A HOME, LEARN THE LINGO! (StatePoint) Buying a home for the first time? You may discover that one of the biggest obstacles is learning the lingo. Homebuying can be overwhelming and perhaps a bit intimidating if you aren’t familiar with the terminology.

To help aspiring homeowners gain confidence in the homebuying process, the experts at Freddie Mac are sharing a guide with some top terms you’ll hear.

• Pre-approval letter. A letter from your lender telling you how much home you can afford and the maximum amount you are qualified to borrow. Having a preapproval letter while shopping can help you move faster, and with greater confidence in competitive markets.

• Appraisal. After you make an offer on a home, your lender will order an appraisal to get a professional opinion on its value. This is a necessary step in getting financing secured, as it validates the worth to you and your lender.

• Closing costs. In addition to a home’s price, a buyer must pay “closing costs.” This is the cost to complete the real estate transaction. This includes points, taxes, title insurance, financing costs, items that must be prepaid or escrowed and other costs. Closing costs are generally two to five percent of your home purchase price.

• Escrow. The holding of money or documents by a neutral third party before closing, escrow can also refer to an account held by the lender or servicer into which a homeowner pays taxes and insurance.

• Mortgage rate. The interest rate you pay to borrow money for your house. The lower, the better.

• Fixed-rate mortgages. A mortgage with an interest rate that doesn’t change during the term of the loan, and is typically 15 or 30 years.

• APR. The annual percentage rate, commonly referred to as “APR,” is a broader measure of your cost for borrowing money and includes the interest rate, points, broker fees and other credit charges you’ll be required to pay. Because these costs are rolled in, the APR is usually higher than your interest rate.

• Credit Score. A number ranging from 350 to 800 based on an analysis of your credit files. Your score plays a significant role when securing a mortgage, as it helps lenders determine the likelihood that you’ll repay future debts. The higher your score, the more options that may be available to you, including lower interest rates.

• Private Mortgage Insurance (PMI). If you make a down payment of less than 20 percent on your conventional loan, your lender will require PMI. PMI serves as an added insurance policy protecting the lender if you’re unable to pay your mortgage, and it can be cancelled from your payment once you reach 20 percent equity in your home.

Hear a term not included or confused by some of the processes? Check out Freddie Mac’s myhome.freddiemac. com for everything homebuying and be sure to follow the Freddie Mac’s Spring Homebuying Season Blog Series at freddiemac.com/blog.

“Homebuying speak can seem like an entirely new language, especially for first-time homebuyers. Before entering the market, it’s helpful to learn key phrases and terminology so you can be a confident, savvy shopper,” says Mike Dawson, Vice President of Single-Family at Freddie Mac.

CITIZEN / Chatham Southeast / Week of May 17, 2017 / 17

4 Surprising Tips You Need to Know Before Buying or Selling a House (NewsUSA) - Insider tips -- who doesn’t love a good (legal) one?

Want to know why, for example, Starbucks may be the greatest predictor of home-value appreciation? Read on. * March is the most profitable month. For sellers, that is.

According to Spencer Rascoff, CEO of Zillow.com, who mined his site’s database of millions of homes in co-authoring the newly released “Zillow Talk: The New Rules of Real Estate,” properties listed then sold faster and fetched 2 percent higher than average. Buyers, on the other hand, catch a break in December when even New York owners are apparently so demoralized by the cold that they’re willing to part with their homes for 2.8 percent less during the second week of the month. * Your real estate agent’s gender matters. Women, because they’re “more willing to negotiate,” tend to close deals faster, research suggests.

But sellers take note: If you can hold out, men -- stubborn devils that they are -- are often better at getting the original asking price. * A new roof is a sure-fire way to boost a home’s resale value.

Forget kitchen remodeling. “You could spend a fortune, and it still might not suit prospective buyers’ tastes,” explains Patsy O’Neill, a sales associate with Sotheby’s in Montclair, New Jersey.

Replacing an unsightly roof with a spiffy new one -- better for that all-important “curb appeal” -- was one of the very few projects singled out in Remodeling magazine’s new annual Cost vs. Value Report for 2015, rising a chart-topping 5.9 percent over even last year’s double-digit increase.

In fact, says O’Neill -- and, sellers, pay close attention to the psychology here -- if your current roof really is an eyesore, buyers will be “predisposed” to find a zillion other things they hate about your place. Ergo, those craving the look of luxury at affordable prices should check out the Value Collection Lifetime Designer Shingles from GAF (www.gaf.com), North America’s largest roofing manufacture. * The Starbucks Effect.

Don’t laugh. When Rascoff was checking his data, he discovered that, lo and behold, homes within a quarter mile of a Starbucks had appreciated 31 percent more -; 96 percent vs.

65 percent -; over the last 17 years than others nationwide.

“Is it that Starbucks is really great at picking locations, or is that Starbucks is sort of an omen of gentrification?” he writes.

“It’s a little of each.”

www.thechicagocitizen.com • 52 years of serving the Black community

IN THE CIRCUIT COURT OF COOK COUNTY, ILLINOIS COUNTY DEPARTMENT - CHANCERY DIVISION REVERSE MORTGAGE SOLUTIONS, INC. Plaintiff, v.- JANICE JOHNSON, STANDARD BANK AND TRUST COMPANY, AS TRUSTEE UNDER TRUST AGREEMENT DATED OCTOBER 27, 1989 AND KNOWN AS TRUST NUMBER 12368, SECRETARY OF HOUSING AND URBAN DEVELOPMENT Defendants 16 CH 4620 8607 S. Maryland Ave. Chicago, IL 60619 NOTICE OF SALE PUBLIC NOTICE IS HEREBY GIVEN that pursuant to a Judgment of Foreclosure and Sale entered in the above cause on March 8, 2017, an agent for The Judicial Sales Corporation, will at 10:30 AM on June 15, 2017, at The Judicial Sales Corporation, One South Wacker Drive - 24th Floor, CHICAGO, IL, 60606, sell at public auction to the highest bidder, as set forth below, the following described real estate: The North Third of Lot 45 and Lot 46 in Block 5, in Ashton's Subdivision of the West 30 acres of the South 60 acres of the West Half of the Southwest Quarter of Section 35, Township 38 North, Range 14, East of the Third Principal Meridian, in Cook County, Illinois.

Commonly known as 8607 S. Maryland Ave., Chicago, IL 60619 Property Index No. 20-35-315-002-0000. The real estate is improved with a single family residence. The judgment amount was $70,030.32. Sale terms: 25% down of the highest bid by certified funds at the close of the sale payable to The Judicial Sales Corporation. No third party checks will be accepted. The balance in certified funds/or wire transfer, is due within twenty-four (24) hours. No fee shall be paid by the mortgagee acquiring the residential real estate pursuant to its credit bid at the sale or by any mortgagee, judgment creditor, or other lienor acquiring the residential real estate whose rights in and to the residential real estate arose prior to the sale.

The subject property is subject to general real estate taxes, special assessments, or special taxes levied against said real estate and is offered for sale without any representation as to quality or quantity of title and without recourse to Plaintiff and in AS IS condition. The sale is further subject to confirmation by the court. Upon payment in full of the amount bid, the purchaser will receive a Certificate of Sale that will entitle the purchaser to a deed to the real estate after confirmation of the sale. The property will NOT be open for inspection and plaintiff makes no representation as to the condition of the property. Prospective bidders are admonished to check the court file to verify all information. If this property is a condominium unit, the purchaser of the unit at the foreclosure sale, other than a mortgagee, shall pay the assessments and the legal fees required

by The Condominium Property Act, 765 ILCS 605/9(g)(1) and (g)(4). If this property is a condominium unit which is part of a common interest community, the purchaser of the unit at the foreclosure sale other than a mortgagee shall pay the assessments required by The Condominium Property Act, 765 ILCS 605/18.5(g-1). IF YOU ARE THE MORTGAGOR (HOMEOWNER), YOU HAVE THE RIGHT TO REMAIN IN POSSESSION FOR 30 DAYS AFTER ENTRY OF AN ORDER OF POSSESSION, IN ACCORDANCE WITH SECTION 151701(C) OF THE ILLINOIS MORTGAGE FORECLOSURE LAW. You will need a photo identification issued by a government agency (driver's license, passport, etc.) in order to gain entry into our building and the foreclosure sale room in Cook County and the same identification for sales held at other county venues where The Judicial Sales Corporation conducts foreclosure sales. For information, contact Plaintiff s attorney: RANDALL S. MILLER & ASSOCIATES, 120 N. LASALLE STREET, SUITE 1140, Chicago, IL 60602, (312) 239-3432 Please refer to file number 16IL00045-1.

THE JUDICIAL SALES CORPORATION One South Wacker Drive, 24th Floor, Chicago, IL 60606-4650 (312) 236-SALE You can also visit The Judicial Sales Corporation at www.tjsc.com for a 7 day status report of pending sales. RANDALL S. MILLER & ASSOCIATES 120 N. LASALLE STREET, SUITE 1140 Chicago, IL 60602 (312) 239-3432 E-Mail: il.pleadings@rsmalaw.com Attorney File No. 16IL00045-1 Attorney Code. 46689 Case Number: 16 CH 4620 TJSC#: 37-3350 NOTE: Pursuant to the Fair Debt Collection Practices Act, you are advised that Plaintiff s attorney is deemed to be a debt collector attempting to collect a debt and any information obtained will be used for that purpose. ___________________________________ IN THE CIRCUIT COURT OF COOK COUNTY, ILLINOIS COUNTY DEPARTMENT - CHANCERY DIVISION BANK OF AMERICA, N.A. Plaintiff, -v.- GRACIE RIGGINS, SECRETARY OF HOUSING AND URBAN DEVELOPMENT, MIDLAND FUNDING LLC, PORTFOLIO RECOVERY ASSOCIATES, LLC Defendants 2016 CH 03729 7304 S WASHTENAW AVE Chicago, IL 60629 NOTICE OF SALE PUBLIC NOTICE IS HEREBY GIVEN that pursuant to a Judgment of Foreclosure and Sale entered in the above cause on July 26, 2016, an agent for The Judicial Sales Corporation, will at 10:30 AM on May 31, 2017, at The Judicial Sales Corporation, One South Wacker Drive - 24th Floor, CHICAGO, IL, 60606, sell at public auction to the highest bidder, as set forth below, the following described real estate: LOT 2 IN BLOCK 3 IN FIRST ADDITION TO HINKAMP AND COMPANY'S COLUMBUS AVENUE SUBDIVISION OF SECTION 25, TOWNSHIP 38 NORTH, RANGE 13, EAST OF THE THIRD PRINCIPAL MERIDIAN, AS PER PLAT RECORDED MAY 3, 1927 AS

DOCUMENT 9637774 IN COOK COUNTY, ILLINOIS. Commonly known as 7304 S WASHTENAW AVE, Chicago, IL 60629 Property Index No. 18-25-217-021-0000.

The real estate is improved with a single family residence. The judgment amount was $78,584.12. Sale terms: 25% down of the highest bid by certified funds at the close of the sale payable to The Judicial Sales Corporation. No third party checks will be accepted. The balance in certified funds/or wire transfer, is due within twenty-four (24) hours. No fee shall be paid by the mortgagee acquiring the residential real estate pursuant to its credit bid at the sale or by any mortgagee, judgment creditor, or other lienor acquiring the residential real estate whose rights in and to the residential real estate arose prior to the sale. The subject property is subject to general real estate taxes, special assessments, or special taxes levied against said real estate and is offered for sale without any representation as to quality or quantity of title and without recourse to Plaintiff and in AS IS condition.

The sale is further subject to confirmation by the court. Upon payment in full of the amount bid, the purchaser will receive a Certificate of Sale that will entitle the purchaser to a deed to the real estate after confirmation of the sale. The property will NOT be open for inspection and plaintiff makes no representation as to the condition of the property. Prospective bidders are admonished to check the court file to verify all information. If this property is a condominium unit, the purchaser of the unit at the foreclosure sale, other than a mortgagee, shall pay the assessments and the legal fees required

by The Condominium Property Act, 765 ILCS 605/9(g)(1) and (g)(4). If this property is a condominium unit which is part of a common interest community, the purchaser of the unit at the foreclosure sale other than a mortgagee shall pay the assessments required by The Condominium Property Act, 765 ILCS 605/18.5(g-1). IF YOU ARE THE MORTGAGOR (HOMEOWNER), YOU HAVE THE RIGHT TO REMAIN IN POSSESSION FOR 30 DAYS AFTER ENTRY OF AN ORDER OF POSSESSION, IN ACCORDANCE WITH SECTION 151701(C) OF THE ILLINOIS MORTGAGE FORECLOSURE LAW. You will need a photo identification issued by a government agency (driver's license, passport, etc.) in order to gain entry into our building and the foreclosure sale room in Cook County and the same identification for sales held at other county venues where The Judicial Sales Corporation conducts foreclosure sales. For information, contact Plaintiff s attorney: MARINOSCI LAW GROUP, P.C., 134 N LaSalle St., STE 1900, Chicago, IL 60602, (312) 940-8580 Please refer to file number 16-02145. THE JUDICIAL SALES CORPORATION One South Wacker Drive, 24th Floor, Chicago, IL 60606-4650 (312) 236-SALE You can also visit The Judicial Sales Corporation at www.tjsc.com for a 7 day status report of pending sales.

MARINOSCI LAW GROUP, P.C. 134 N LaSalle St., STE 1900 Chicago, IL 60602 (312) 940-8580 E-Mail: mlgil@mlg-defaultlaw.com Attorney File No. 16-02145 Attorney Code. 59049 Case Number: 2016 CH 03729 TJSC#: 37-3876 NOTE: Pursuant to the Fair Debt Collection Practices Act, you are advised that Plaintiff s attorney is deemed to be a debt collector attempting to collect a debt and any information obtained will be used for that purpose. ___________________________________ 5/10/2017 IN THE CIRCUIT COURT OF COOK COUNTY, ILLINOIS COUNTY DEPARTMENT - CHANCERY DIVISION INLAND BANK AND TRUST Plaintiff,-v.- LLOYD M. HUGHES, LLOYD M. HUGHES ENTERPRISES, INCORPORATED, CHICAGO TITLE LAND TRUST COMPANY, SUCCESSOR TRUSTEE FOR CHICAGO TITLE AND TRUST COMPANY, AS TRUSTEE UNDER TRUST AGREEMENT DATED NOVEMBER 20, 1984, AND KNOWN AS TRUST NUMBER 1086437, UNKNOWN TENANTS, UNKNOWN OWNERS, AND NONRECORD CLAIMANTS Defendants 14 CH 05318 6323-6333 S. MARTIN LUTHER KING DR. Chicago, IL 60637 NOTICE OF SALE PUBLIC NOTICE IS HEREBY GIVEN that pursuant to a Judgment of Foreclosure and Sale entered in the above cause on April 28, 2017, an agent for The Judicial Sales Corporation, will at 10:30 AM on June 5, 2017, at The Judicial Sales Corporation, One South Wacker Drive - 24th Floor, CHICAGO, IL, 60606, sell at public auction to the highest bidder, as set forth below, the following described real estate: LOTS 15, 16, 17, 18 AND 19 IN BLOCK 2, IN SONNENSCHEIN AND SOLOMON'S SUBDIVISION OF THE WEST 1/2 OF THE NORTHWEST 1/4 OF THE NORTHEAST 1/4 OF SECTION 22, TOWNSHIP 38 NORTH, RANGE 14, EAST OF THE THIRD PRINCIPAL MERIDIAN IN COOK COUNTY, ILLINOIS. Commonly known as 6323-6333 S. MARTIN LUTHER KING DR., Chicago, IL 60637 Property Index No. 20-22-200-009, 20-22-200-010 and 20-22-200-011. The real estate is improved with a commercial property. The judgment amount was $842,355.77. Sale terms: 25% down of the highest bid by certified funds at the close of the sale payable to The Judicial Sales Corporation. No third party checks will be accepted. The balance in certified funds/or wire transfer, is due within twenty-four (24) hours. No fee shall be paid by the mortgagee acquiring the residential real estate pursuant to its credit bid at the sale or by any mortgagee, judgment creditor, or other lienor acquiring the residential real estate whose rights in and to the residential real estate arose prior to the sale. The subject property is subject to general real estate taxes, special assessments, or special taxes

levied against said real estate and is offered for sale without any representation as to quality or quantity of title and without recourse to Plaintiff and in AS IS condition.

The sale is further subject to confirmation by the court. Upon payment in full of the amount bid, the purchaser will receive a Certificate of Sale that will entitle the purchaser to a deed to the real estate after confirmation of the sale. The property will NOT be open for inspection and plaintiff makes no representation as to the condition of the property. Prospective bidders are admonished to check the court file to verify all information. If this property is a condominium unit, the purchaser of the unit at the foreclosure sale, other than a mortgagee, shall pay the assessments and the legal fees required

by The Condominium Property Act, 765 ILCS 605/9(g)(1) and (g)(4). If this property is a condominium unit which is part of a common interest community, the purchaser of the unit at the foreclosure sale other than a mortgagee shall pay the assessments required by The Condominium Property Act, 765 ILCS 605/18.5(g-1). IF YOU ARE THE MORTGAGOR (HOMEOWNER), YOU HAVE THE RIGHT TO REMAIN IN POSSESSION FOR 30 DAYS AFTER ENTRY OF AN ORDER OF POSSESSION, IN ACCORDANCE WITH SECTION 151701(C) OF THE ILLINOIS MORTGAGE FORECLOSURE LAW. You will need a photo identification issued by a government agency (driver's license, passport, etc.) in order to gain entry into our building and the foreclosure sale room in Cook County and the same identification for sales held at other county venues where The Judicial Sales Corporation conducts foreclosure sales. For information, contact Plaintiff s attorney: Amy Daleo, COHON RAIZES & REGAL LLP, 208 SOUTH LASALLE STREET SUITE 1440, Chicago, IL 60604, (312) 726-2252 THE JUDICIAL SALES CORPORATION One South Wacker Drive, 24th Floor, Chicago, IL 60606-4650 (312) 236-SALE You can also visit The Judicial Sales Corporation at www.tjsc.com for a 7 day status report of pending sales. Amy Daleo COHON RAIZES & REGAL LLP 208 SOUTH LASALLE STREET SUITE 1440 Chicago, IL 60604 (312) 726-2252 E-Mail: adaleo@cohonraizes.com Attorney Code.

90192 Case Number: 14 CH 05318 TJSC#: 37-4097 NOTE: Pursuant to the Fair Debt Collection Practices Act, you are advised that Plaintiff s attorney is deemed to be a debt collector attempting to collect a debt and any information obtained will be used for that purpose. ___________________________________ IN THE CIRCUIT COURT OF COOK COUNTY, ILLINOIS COUNTY DEPARTMENT - CHANCERY DIVISION U.S. BANK NATIONAL ASSOCIATION Plaintiff, -v.- INA M. GANT, UNKNOWN OWNERS AND NON-RECORD CLAIMANTS Defendants 16 CH 09858 7815 S HERMITAGE AVE Chicago, IL 60620 NOTICE OF SALE PUBLIC NOTICE IS HEREBY GIVEN that pursuant to a Judgment of Foreclosure and Sale entered in the above cause on March 23, 2017, an agent for The Judicial Sales Corporation, will at 10:30 AM on June 22, 2017, at The Judicial Sales Corporation, One South Wacker Drive - 24th Floor, CHICAGO, IL, 60606, sell at public auction to the highest bidder, as set forth below, the following described real estate: LOT 21 IN DEWEY'S RESUBDIVISION OF LOTS 1 TO 49 INCLUSIVE IN BLOCK 62 IN THE DEWEY AND VANCE SUBDIVISION OF THE SOUTH 1/2 OF SECTION 30, TOWNSHIP 38 NORTH, RANGE 14, EAST OF THE THIRD PRINCIPAL MERIDIAN, (EXCEPT RAILROAD RIGHT OF WAY AND EXCEPT THE SOUTH 10 FEET OF THE WEST 16 RODS THEREOF), IN COOK COUNTY, ILLINOIS. Commonly known as 7815 S HERMITAGE AVE, Chicago, IL 60620 Property Index No. 20-30-433-0060000. The real estate is improved with a single family residence. The judgment amount was $173,888.41. Sale terms: 25% down of the highest bid by certified funds at the close of the sale payable to The Judicial Sales Corporation. No third party checks will be accepted. The balance in certified funds/or wire transfer, is due within twenty-four (24) hours. No fee shall be paid by the mortgagee acquiring the residential real estate pursuant to its credit bid at the sale or by any mortgagee, judgment creditor, or other lienor acquiring the residential real estate whose rights in and to the residential real estate arose prior to the sale. The subject property is subject to general real estate taxes, special assessments, or special taxes levied against said real estate and is offered for sale without any representation as to quality or quantity of title and without recourse to Plaintiff and in AS IS condition.

The sale is further subject to confirmation by the court. Upon payment in full of the amount bid, the purchaser will receive a Certificate of Sale that will entitle the purchaser to a deed to the real estate after confirmation of the sale. The property will NOT be open for inspection and plaintiff makes no representation as to the condition of the property. Prospective bidders are admonished to check the court file to verify all information. If this property is a condominium unit, the purchaser of the unit at the foreclosure sale, other than a mortgagee, shall pay the assessments and the legal fees required

by The Condominium Property Act, 765 ILCS 605/9(g)(1) and (g)(4). If this property is a condominium unit which is part of a common interest community, the purchaser of the unit at the foreclosure sale other than a mortgagee shall pay the assessments required by The Condominium Property Act, 765 ILCS 605/18.5(g-1). IF YOU ARE THE MORTGAGOR (HOMEOWNER), YOU HAVE THE RIGHT TO REMAIN IN POSSESSION FOR 30 DAYS AFTER ENTRY OF AN ORDER OF POSSESSION, IN

ACCORDANCE WITH SECTION 151701(C) OF THE ILLINOIS MORTGAGE FORECLOSURE LAW. You will need a photo identification issued by a government agency (driver's license, passport, etc.) in order to gain entry into our building and the foreclosure sale room in Cook County and the same identification for sales held at other county venues where The Judicial Sales Corporation conducts foreclosure sales. For information, contact Plaintiff s attorney: MARINOSCI LAW GROUP, P.C., 134 N LaSalle St., STE 1900, Chicago, IL 60602, (312) 940-8580 Please refer to file number 16-09544. THE JUDICIAL SALES CORPORATION One South Wacker Drive, 24th Floor, Chicago, IL 60606-4650 (312) 236-SALE You can also visit The Judicial Sales Corporation at www.tjsc.com for a 7 day status report of pending sales.

MARINOSCI LAW GROUP, P.C. 134 N LaSalle St., STE 1900 Chicago, IL 60602 (312) 940-8580 E-Mail: mlgil@mlg-defaultlaw.com Attorney File No. 16-09544 Attorney Code. 59049 Case Number: 16 CH 09858 TJSC#: 37-3593 NOTE: Pursuant to the Fair Debt Collection Practices Act, you are advised that Plaintiff s attorney is deemed to be a debt collector attempting to collect a debt and any information obtained will be used for that purpose. ___________________________________ 5/17/2017 IN THE CIRCUIT COURT OF COOK COUNTY, ILLINOIS COUNTY DEPARTMENT - CHANCERY DIVISION U.S. BANK TRUST NATIONAL ASSOCIATION, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS OWNER TRUSTEE FOR NEWLANDS ASSET HOLDING TRUST Plaintiff, -v.JESSE DELGADO JR AKA JESSIE DELGADO, CHRIS ANN DELGADO Defendants 10 CH 37056 4057 W 82ND PL Chicago, IL 60652 NOTICE OF SALE PUBLIC NOTICE IS HEREBY GIVEN that pursuant to a Judgment of Foreclosure and Sale entered in the above cause on March 29, 2017, an agent for The Judicial Sales Corporation, will at 10:30 AM on June 30, 2017, at The Judicial Sales Corporation, One South Wacker Drive - 24th Floor, CHICAGO, IL, 60606, sell at public auction to the highest bidder, as set forth below, the following described real estate: LOT 332 IN THE FIRST ADDITION TO CRESTLINE HIGHLANDS SUBDIVISION, A SUBDIVISION OF PART OF THE NORTHEAST 1/4 OF SECTION 34, TOWNSHIP 38 NORTH, RANGE 13, EAST OF THE THIRD PRINCIPAL MERIDIAN, IN COOK COUNTY, ILLINOIS. Commonly known as 4057 W 82ND PL, Chicago, IL 60652 Property Index No. 1934-214-008-0000. The real estate is improved with a single unit dwelling. The judgment amount was $232,734.97. Sale terms: 25% down of the highest bid by certified funds at the close of the sale payable to The Judicial Sales Corporation. No third party checks will be accepted. The balance in certified funds/or wire transfer, is due within twenty-four (24) hours. No fee shall be paid by the mortgagee acquiring the residential real estate pursuant to its credit bid at the sale or by any mortgagee, judgment creditor, or other lienor acquiring the residential real estate whose rights in and to the residential real estate arose prior to the sale.

The subject property is subject to general real estate taxes, special assessments, or special taxes levied against said real estate and is offered for sale without any representation as to quality or quantity of title and without recourse to Plaintiff and in AS IS condition. The sale is further subject to confirmation by the court. Upon payment in full of the amount bid, the purchaser will receive a Certificate of Sale that will entitle the purchaser to a deed to the real estate after confirmation of the sale. The property will NOT be open for inspection and plaintiff makes no representation as to the condition of the property. Prospective bidders are admonished to check the court file to verify all information. If this property is a condominium unit, the purchaser of the unit at the foreclosure sale, other than a mortgagee, shall pay the assessments and the legal fees required

by The Condominium Property Act, 765 ILCS 605/9(g)(1) and (g)(4). If this property is a condominium unit which is part of a common interest community, the purchaser of the unit at the foreclosure sale other than a mortgagee shall pay the assessments required by The Condominium Property Act, 765 ILCS 605/18.5(g-1). IF YOU ARE THE MORTGAGOR (HOMEOWNER), YOU HAVE THE RIGHT TO REMAIN IN POSSESSION FOR 30 DAYS AFTER ENTRY OF AN ORDER OF POSSESSION, IN ACCORDANCE WITH SECTION 151701(C) OF THE ILLINOIS MORTGAGE FORECLOSURE LAW. You will need a photo identification issued by a government agency (driver's license, passport, etc.) in order to gain entry into our building and the foreclosure sale room in Cook County and the same identification for sales held at other county venues where The Judicial Sales Corporation conducts foreclosure sales. For information, contact Plaintiff s attorney: WEISS MCCLELLAND LLC, 105 WEST ADAMS STREET, SUITE 1850, Chicago, IL 60603, (312) 605-3500 Please refer to file number IL-001852. THE JUDICIAL SALES CORPORATION One South Wacker Drive, 24th Floor, Chicago, IL 60606-4650 (312) 236-SALE You can also visit The Judicial Sales Corporation at www.tjsc.com for a 7 day status report of pending sales. WEISS MCCLELLAND LLC 105 WEST ADAMS STREET, SUITE 1850 Chicago, IL 60603 (312) 605-3500 E-Mail: intake@wmlegal.com Attorney File No. IL001852 Attorney Code. 56284 Case Number: 10 CH 37056 TJSC#: 37-4125 NOTE: Pursuant to the Fair Debt Collection Practices Act, you are advised that Plaintiff s attorney is deemed to be a debt collector

attempting to collect a debt and any information obtained will be used for that purpose. ___________________________________ IN THE CIRCUIT COURT OF COOK COUNTY, ILLINOIS COUNTY DEPARTMENT – CHANCERY DIVISION Reverse Mortgage Solutions, Inc., Plaintiff, vs.

Gerald P. Nordgren, solely as Special Representative for the Estate of Marion Williams (Deceased); Unknown Heirs and Legatees of Marion Williams (Deceased); Secretary of Housing and Urban Development; Gee H. Finley; Jackie Williams a/k/a Jackie McCombs; Marion Williams, Jr.; Kenneth Williams a/k/a Kenneth McCombs; Raymond Williams a/k/a Raymond McCombs; Reginald Williams a/k/a Reginald McCombs; Relonda Williams a/k/a Relonda McCombs; Robert Williams a/k/a Robert McCombs; Xia Williams a/k/a Xia McCombs; Helen WilsonArmstead; Unknown Owners and NonRecord Claimants, Defendants. 16CH839 NOTICE OF PUBLICATION NOTICE IS GIVEN TO YOU: Gerald P. Nordgren, solely as Special Representative for the Estate of Marion Williams (Deceased); UNKNOWN HEIRS AND LEGATEES OF MARION WILLIAMS (DECEASED); Secretary of Housing and Urban Development; Gee H. Finley; JACKIE WILLIAMS A/K/A JACKIE MCCOMBS; MARION WILLIAMS, JR.; KENNETH WILLIAMS A/K/A KENNETH MCCOMBS; Raymond Williams a/k/a Raymond McCombs; REGINALD WILLIAMS A/K/A REGINALD MCCOMBS; Relonda Williams a/k/a Relonda McCombs; Robert Williams a/k/a Robert McCombs; XIA WILLIAMS A/K/A XIA MCCOMBS; Helen Wilson-Armstead; UNKNOWN OWNERS AND NON-RECORD CLAIMANTS; defendants, that this case has been commenced in this Court against you and other defendants, asking for the foreclosure of a certain Mortgage conveying the premises described as follows, to wit: Lot 9 in Cady`s Resubdivision of Lots 22 to 32, both inclusive, in Cady`s Subdivision of Lot 172 and the East Half of Lot 171 in School Trustee`s Subdivision in Section 16, Township 39 North, Range 13, East of the Third Principal Meridian, in Cook County, Illinois.

Commonly known as: 4919 W. Lexington St., Chicago, IL 60644 and which said mortgage was made by, Marion Williams; Mortgagor(s), to Mortgage Electronic Registration Systems, Inc., as nominee for Liberty Home Equity Solutions, Inc.; Mortgagee, and recorded in the Office of the Recorder of Deeds of Cook County, Illinois, as Document No. 1310056030; and for other relief. UNLESS YOU file your answer or otherwise file your appearance in this case in the Office of the Clerk of this County, 50 W. Washington, Chicago, IL 60602 on or before JUNE 16, 2017 A JUDGMENT OR DECREE BY DEFAULT MAY BE TAKEN AGAINST YOU FOR THE RELIEF ASKED IN THE COMPLAINT. RANDALL S. MILLER & ASSOCIATES, LLC Attorneys for Plaintiff 120 North LaSalle Street, Suite 1140 Chicago, IL 60602 Phone: (312) 239-3432 Fax: (312) 284-4820 Attorney No: 6238055 pleadings@rsmalaw.com File No: 15IL00650-1 NOTE: Pursuant to the Fair Debt Collection Practices Act you are advised that this firm may be deemed to be a debt collector attempting to collect a debt and any information obtained may be used for that purpose. ___________________________________ IN THE CIRCUIT COURT OF COOK COUNTY, ILLINOIS COUNTY DEPARTMENT CHANCERY DIVISION MCCORMICK 105, LLC Plaintiff,-v.ALETHEA Y. RAYFORD, FEDERAL DEPOSIT INSURANCE CORPORATION, CITY OF CHICAGO DEPARTMENT OF WATER MANAGEMENT, UNKNOWN OWNERS-TENANTS AND NON-RECORD CLAIMANTS Defendants 2016 CH 6349 6207 S. RHODES AVE. Chicago, IL 60637 NOTICE OF SALE PUBLIC NOTICE IS HEREBY GIVEN that pursuant to a Judgment of Foreclosure and Sale entered in the above cause on October 17, 2016, an agent for The Judicial Sales Corporation, will at 10:30 AM on June 13, 2017, at The Judicial Sales Corporation, One South Wacker Drive - 24th Floor, CHICAGO, IL, 60606, sell at public auction to the highest bidder, as set forth below, the following described real estate: LOT 3 IN BLOCK 8 IN RESUBDIVISION OF BLOCKS 11 AND 12 IN RESUBDIVISION OF WASHINGTON PARK CLUB ADDITION TO CHICAGO SUBDIVISION OF THE SOUTH 1/2 OF THE SOUTHEAST 1/4 OF SECTION 15, TOWNSHIP 38 NORTH, RANGE 14, EAST OF THE THIRD PRINCIPAL MERIDIAN, IN COOK COUNTY, ILLINOIS. Commonly known as 6207 S. RHODES AVE, Chicago, IL 60637 Property Index No. 20-15-419-0020000. The real estate is improved with a multi-family residence. The judgment amount was $256,156.79. Sale terms: 25% down of the highest bid by certified funds at the close of the sale payable to The Judicial Sales Corporation. No third party checks will be accepted. The balance in certified funds/or wire transfer, is due within twentyfour (24) hours. No fee shall be paid by the mortgagee acquiring the residential real estate pursuant to its credit bid at the sale or by any mortgagee, judgment creditor, or other lienor acquiring the residential real estate whose rights in and to the residential real estate arose prior to the sale. The subject property is subject to general real estate taxes, special assessments, or special taxes levied against said real estate and is offered for sale without any representation as to quality or quantity of title and without recourse to Plaintiff and in AS IS condition.

The sale is further subject to confirmation by the court. Upon payment in full of the amount bid, the purchaser will receive a

Certificate of Sale that will entitle the purchaser to a deed to the real estate after confirmation of the sale. The property will NOT be open for inspection and plaintiff makes no representation as to the condition of the property. Prospective bidders are admonished to check the court file to verify all information. If this property is a condominium unit, the purchaser of the unit at the foreclosure sale, other than a mortgagee, shall pay the assessments and the legal fees required

by The Condominium Property Act, 765 ILCS 605/9(g)(1) and (g)(4). If this property is a condominium unit which is part of a common interest community, the purchaser of the unit at the foreclosure sale other than a mortgagee shall pay the assessments required by The Condominium Property Act, 765 ILCS 605/18.5(g-1). IF YOU ARE THE MORTGAGOR (HOMEOWNER), YOU HAVE THE RIGHT TO REMAIN IN POSSESSION FOR 30 DAYS AFTER ENTRY OF AN ORDER OF POSSESSION, IN ACCORDANCE WITH SECTION 151701(C) OF THE ILLINOIS MORTGAGE FORECLOSURE LAW. You will need a photo identification issued by a government agency (driver's license, passport, etc.) in order to gain entry into our building and the foreclosure sale room in Cook County and the same identification for sales held at other county venues where The Judicial Sales Corporation conducts foreclosure sales. For information, contact Plaintiff s attorney: NOONAN & LIEBERMAN, 105 W. ADAMS ST., SUITE 1800, Chicago, IL 60603, (312) 431-1455 Please refer to file number 1889-66. THE JUDICIAL SALES CORPORATION One South Wacker Drive, 24th Floor, Chicago, IL 60606-4650 (312) 236-SALE You can also visit The Judicial Sales Corporation at www.tjsc.com for a 7 day status report of pending sales.

NOONAN & LIEBERMAN 105 W. ADAMS ST., SUITE 1800 Chicago, IL 60603 (312) 431-1455 E-Mail: intake@noonanandlieberman.com Attorney File No. 1889-66 Attorney Code. 38245 Case Number: 2016 CH 6349 TJSC#: 37-4358 NOTE: Pursuant to the Fair Debt Collection Practices Act, you are advised that Plaintiff s attorney is deemed to be a debt collector attempting to collect a debt and any information obtained will be used for that purpose. ___________________________________ IN THE CIRCUIT COURT OF COOK COUNTY, ILLINOIS COUNTY DEPARTMENT - CHANCERY DIVISION NATIONSTAR MORTGAGE LLC D/B/A CHAMPION MORTGAGE COMPANY Plaintiff, -v.- NORMAN BROOKS, CITY OF CHICAGO, SECRETARY OF HOUSING AND URBAN DEVELOPMENT Defendants 2016 CH 11602 7815 S. CHAMPLAIN AVE Chicago, IL 60619 NOTICE OF SALE PUBLIC NOTICE IS HEREBY GIVEN that pursuant to a Judgment of Foreclosure and Sale entered in the above cause on March 28, 2017, an agent for The Judicial Sales Corporation, will at 10:30 AM on June 29, 2017, at The Judicial Sales Corporation, One South Wacker Drive - 24th Floor, CHICAGO, IL, 60606, sell at public auction to the highest bidder, as set forth below, the following described real estate: THE NORTH 15 FEET OF LOT 43 AND THE SOUTH 15 FEET OF LOT 44 IN WAKEFORD NINTH ADDITION BEING TAINTOR'S SUBDIVISION OF BLOCK 14 IN WAKEMAN'S SUBDIVISION OF THE EAST 1/2 OF THE SOUTH EAST 1/4 OF SECTION 27, TOWNSHIP 38 NORTH, RANGE 14, EAST OF THE THIRD PRINCIPAL MERIDIAN, COMMONLY KNOWN AS 7815

SOUTH CHAMPLAIN AVENUE, CHICAGO, ILLINOIS. Commonly known as 7815 S. CHAMPLAIN AVE, Chicago, IL 60619 Property Index No. 02-27-429-005-0000.

The real estate is improved with a single family residence. The judgment amount was $131,600.52. Sale terms: 25% down of the highest bid by certified funds at the close of the sale payable to The Judicial Sales Corporation. No third party checks will be accepted. The balance in certified funds/or wire transfer, is due within twenty-four (24) hours. No fee shall be paid by the mortgagee acquiring the residential real estate pursuant to its credit bid at the sale or by any mortgagee, judgment creditor, or other lienor acquiring the residential real estate whose rights in and to the residential real estate arose prior to the sale. The subject property is subject to general real estate taxes, special assessments, or special taxes levied against said real estate and is offered for sale without any representation as to quality or quantity of title and without recourse to Plaintiff and in AS IS condition.

The sale is further subject to confirmation by the court. Upon payment in full of the amount bid, the purchaser will receive a Certificate of Sale that will entitle the purchaser to a deed to the real estate after confirmation of the sale. The property will NOT be open for inspection and plaintiff makes no representation as to the condition of the property. Prospective bidders are admonished to check the court file to verify all information. If this property is a condominium unit, the purchaser of the unit at the foreclosure sale, other than a mortgagee, shall pay the assessments and the legal fees required

by The Condominium Property Act, 765 ILCS 605/9(g)(1) and (g)(4). If this property is a condominium unit which is part of a common interest community, the purchaser of the unit at the foreclosure sale other than a mortgagee shall pay the assessments required by The Condominium Property Act, 765 ILCS 605/18.5(g-1). IF YOU ARE THE MORTGAGOR (HOMEOWNER), YOU HAVE THE RIGHT TO REMAIN IN POSSESSION FOR 30 DAYS AFTER ENTRY OF AN ORDER OF POSSESSION, IN ACCORDANCE WITH SECTION 151701(C) OF THE ILLINOIS MORTGAGE FORECLOSURE LAW. You will need a photo identification issued by a government agency (driver's license, passport, etc.) in order to gain entry into our building and the foreclosure sale room in Cook County and the same identification for sales held at other county venues where The Judicial Sales Corporation conducts foreclosure sales. For information, contact Plaintiff s attorney: MARINOSCI LAW GROUP, P.C., 134 N LaSalle St., STE 1900, Chicago, IL 60602, (312) 940-8580 Please refer to file number 16-08786. THE JUDICIAL SALES CORPORATION One South Wacker Drive, 24th Floor, Chicago, IL 60606-4650 (312) 236-SALE You can also visit The Judicial Sales Corporation at www.tjsc.com for a 7 day status report of pending sales.

MARINOSCI LAW GROUP, P.C. 134 N LaSalle St., STE 1900 Chicago, IL 60602 (312) 940-8580 E-Mail: mlgil@mlg-defaultlaw.com Attorney File No. 16-08786 Attorney Code. 59049 Case Number: 2016 CH 11602 TJSC#: 37-3780 NOTE: Pursuant to the Fair Debt Collection Practices Act, you are advised that Plaintiff s attorney is deemed to be a debt collector attempting to collect a debt and any information obtained will be used for that purpose. ___________________________________

18Chatham­ Southeast / CITIZEN / Chatham Southeast / Week of May 17, 2017

CITIZEN / Chatham Southeast / Week of May 17, 2017 / 19

REAL ESTATES 5/3/2017 IN THE CIRCUIT COURT OF COOK COUNTY, ILLINOIS COUNTY DEPARTMENT - CHANCERY DIVISION PNC BANK, NATIONAL ASSOCIATION Plaintiff, -v.WYNNETTE WITHERSPOON Defendants 16 CH 10199 7526 S PRAIRIE AVE CHICAGO, IL 60619 NOTICE OF SALE PUBLIC NOTICE IS HEREBY GIVEN that pursuant to a Judgment of Foreclosure and Sale entered in the above cause on November 30, 2016, an agent for The Judicial Sales Corporation, will at 10:30 AM on June 15, 2017, at The Judicial Sales Corporation, One South Wacker Drive - 24th Floor, CHICAGO, IL, 60606, sell at public auction to the highest bidder, as set forth below, the following described real estate: Commonly known as 7526 S PRAIRIE AVE, CHICAGO, IL 60619 Property Index No. 20-27-303-0270000. The real estate is improved with a single family residence. The judgment amount was $162,708.06. Sale terms: 25% down of the highest bid by certified funds at the close of the sale payable to The Judicial Sales Corporation. No third party checks will be accepted. The balance in certified funds/or wire transfer, is due within twenty-four (24) hours. No fee shall be paid by the mortgagee acquiring the residential real estate pursuant to its credit bid at the sale or by any mortgagee, judgment creditor, or other lienor acquiring the residential real estate whose rights in and to the residential real estate arose prior to the sale. The subject property is subject to general real estate taxes, special assessments, or special taxes levied against said real estate and is offered for sale without any representation as to quality or quantity of title and without recourse to Plaintiff and in \"AS IS\" condition. The sale is further subject to confirmation by the court. Upon payment in full of the amount bid, the purchaser will receive a Certificate of Sale that will entitle the purchaser to a deed to the real estate after confirmation of the sale. The property will NOT be open for inspection and plaintiff makes no representation as to the condition of the property. Prospective bidders are admonished to check the court file to verify all information. If this property is a condominium unit, the purchaser of the unit at the foreclosure sale, other than a mortgagee, shall pay the assessments and the legal fees required

by The Condominium Property Act, 765 ILCS 605/9(g)(1) and (g)(4). If this property is a condominium unit which is part of a common interest community, the purchaser of the unit at the foreclosure sale other than a mortgagee shall pay the assessments required by The Condominium Property Act, 765 ILCS 605/18.5(g-1). IF YOU ARE THE MORTGAGOR (HOMEOWNER), YOU HAVE THE RIGHT TO REMAIN IN POSSESSION FOR 30 DAYS AFTER ENTRY OF AN ORDER OF POSSESSION, IN ACCORDANCE WITH SECTION 151701(C) OF THE ILLINOIS MORTGAGE FORECLOSURE LAW. You will need a photo identification issued by a government agency (driver's license, passport, etc.) in order to gain entry into our building and the foreclosure sale room in Cook County and the same identification for sales held at other county venues where The Judicial Sales Corporation conducts foreclosure sales. For information, contact Plaintiff's attorney: J. Gregory Scott, HEAVNER, BEYERS & MIHLAR, LLC, 111 East Main Street, DECATUR, IL 62523, (217) 422-1717 Please refer to file number 581919465. If the sale is not confirmed for any reason, the Purchaser at the sale shall be entitled only to a return of the purchase price paid. The Purchaser shall have no further recourse against the Mortgagor, the Mortgagee or the Mortgagee's attorney. THE JUDICIAL SALES CORPORATION One South Wacker Drive, 24th Floor, Chicago, IL 60606-4650 (312) 236-SALE You can also visit The Judicial Sales Corporation at www.tjsc.com for a 7 day status report of pending sales.

NOTE: Pursuant to the Fair Debt Collection Practices Act, you are advised that Plaintiff's attorney is deemed to be a debt collector attempting to collect a debt and any information obtained will be used for that purpose. I720190 ___________________________________ IN THE CIRCUIT COURT OF COOK COUNTY, ILLINOIS COUNTY DEPARTMENT CHANCERY DIVISION MCCORMICK 110, LLC Plaintiff, -v.- TURNER GOODWIN, JAMITA F. GOODWIN, SPRINGLEAF FINANCIAL SERVICES OF ILLINOIS, INC. F/K/A AMERICAN GENERAL FINANCIAL SERVICE OF ILLINOIS, UNKNOWN OWNERS AND NON-RECORD CLAIMANTS Defendants 13 CH 25390 8038 S. INDIANA AVE. Chicago, IL 60619 NOTICE OF SALE PUBLIC NOTICE IS HEREBY GIVEN that pursuant to a Judgment of Foreclosure and Sale entered in the above cause on November 15, 2016, an agent for The Judicial Sales Corporation, will at 10:30 AM on June 15, 2017, at The Judicial Sales Corporation, One South Wacker Drive - 24th Floor, CHICAGO, IL, 60606, sell at public auction to the highest bidder, as set forth below, the following described real estate: Commonly known as 8038 S. INDIANA AVE., Chicago, IL 60619 Property Index No. 20-34-108-034-0000.

The real estate is improved with a single family residence. The judgment amount was $302,221.68. Sale terms: 25% down of the highest bid by certified funds at the close of the sale payable to The Judicial Sales Corporation. No third party checks will be accepted. The balance, including the Judicial sale fee for Abandoned Residential Property Municipality Relief Fund, which is calculated on residential real estate at the rate of $1 for each $1,000 or fraction thereof of the amount paid by the purchaser not to exceed $300, in certified funds/or wire transfer, is due within twenty-four (24) hours.

No fee shall be paid by the mortgagee acquiring the residential real estate pursuant to its credit bid at the sale or by any mortgagee, judgment creditor, or other lienor acquiring the residential real estate whose rights in and to the residential real estate arose prior to the sale. The subject property is subject to general real estate taxes, special assessments, or special taxes levied against said real estate and is offered for sale without any representation as to quality or quantity of title and without recourse to Plaintiff and in AS IS condition. The sale is further subject to confirmation by the court.

Upon payment in full of the amount bid, the purchaser will receive a Certificate of Sale that will entitle the purchaser to a deed to the real estate after confirmation of the sale.

The property will NOT be open for inspection and plaintiff makes no representation as to the condition of the property. Prospective bidders are admonished to check the court file to verify all information.If this property is a condominium unit, the purchaser of the unit at the foreclosure sale, other than a mortgagee, shall pay the assessments and the legal fees required by The Condominium Property Act, 765 ILCS 605/9(g)(1) and (g)(4). If this property is a condominium unit which is part of a common interest community, the purchaser of the unit at the foreclosure sale other than a mortgagee shall pay the assessments required by The Condominium Property Act, 765 ILCS 605/18.5(g-1). IF YOU ARE THE MORTGAGOR (HOMEOWNER), YOU HAVE THE RIGHT TO REMAIN IN POSSESSION FOR 30 DAYS AFTER ENTRY OF AN ORDER OF POSSESSION, IN ACCORDANCE WITH SECTION 15-1701(C) OF THE ILLINOIS MORTGAGE FORECLOSURE LAW. You will need a photo identification issued by a government agency (driver's license, passport, etc.) in order to gain entry into our building and the foreclosure sale room in Cook County and the same identification for sales held at other county venues where The Judicial Sales Corporation conducts foreclosure sales. For information, contact Plaintiff s attorney: NOONAN & LIEBERMAN, 105 W. ADAMS ST., SUITE 1800, Chicago, IL 60603, (312) 431-1455 Please refer to file number 1889-68. THE JUDICIAL SALES CORPORATION One South Wacker Drive, 24th Floor, Chicago, IL 60606-4650 (312) 236-SALE You can also visit The Judicial Sales Corporation at www.tjsc.com for a 7 day status report of pending sales. NOONAN & LIEBERMAN 105 W. ADAMS ST., SUITE 1800 Chicago, IL 60603 (312) 431-1455 E-Mail: intake@noonanandlieberman.com Attorney File No. 1889-68 Attorney Code. 38245 Case Number: 13 CH 25390 TJSC#: 3613296 NOTE: Pursuant to the Fair Debt Collection Practices Act, you are advised that Plaintiff s attorney is deemed to be a debt collector attempting to collect a debt and any information obtained will be used for that purpose ___________________________________ 5/10/2017 IN THE CIRCUIT COURT OF COOK COUNTY, ILLINOIS COUNTY DEPARTMENT - CHANCERY DIVISION SELENE FINANCE LP Plaintiff, -v.- UNKNOWN HEIRS AND LEGATEES OF SIDNEY L. CUNNINGHAM IV, IF ANY, DAYANA CUNNINGHAM A/K/A DAYANA RODRIGUEZ, JULIE FOX, SPECIAL REPRESENTATIVE OF THE DECEASED MORTGAGOR, SIDNEY L. CUNNINGHAM IV A/K/A SIDNEY LORENZO CUNNINGHAM IV, UNKNOWN OWNERS AND NON-RECORD CLAIMANTS Defendants 10 CH 45427 547 EAST 87TH PLACE CHICAGO, IL 60619 NOTICE OF SALE PUBLIC NOTICE IS HEREBY GIVEN that pursuant to a Judgment of Foreclosure and Sale entered in the above cause on October 26, 2016, an agent for The Judicial Sales Corporation, will at 10:30 AM on June 21, 2017, at The Judicial Sales Corporation, One South Wacker Drive - 24th Floor, CHICAGO, IL, 60606, sell at public auction to the highest bidder, as set forth below, the following described real estate: Commonly known as 547 EAST 87TH PLACE, CHICAGO, IL 60619 Property Index No. 25-03-205-0160000. The real estate is improved with a brown, brick two story-home with a two car detached garage. Sale terms: 25% down of the highest bid by certified funds at the close of the sale payable to The Judicial Sales Corporation. No third party checks will be accepted. The balance in certified funds/or wire transfer, is due within twenty-four (24) hours. No fee shall be paid by the mortgagee acquiring the residential real estate pursuant to its credit bid at the sale or by any mortgagee, judgment creditor, or other lienor acquiring the residential real estate whose rights in and to the residential real estate arose prior to the sale. The subject property is subject to general real estate taxes, special assessments, or special taxes levied against said real estate and is offered for sale without any representation as to quality or quantity of title and without recourse to Plaintiff and in \"AS IS\" condition. The sale is further subject to confirmation by the court. Upon payment in full of the amount bid, the purchaser will receive a Certificate of Sale that will entitle the purchaser to a deed to the real estate after confirmation of the sale. The property will NOT be open for inspection and plaintiff makes no representation as to the condition of the property. Prospective bidders are admonished to check the court file to verify all information. If this property is a condominium unit, the purchaser of the unit at the foreclosure sale, other than a mortgagee, shall pay the assessments and the legal fees required

by The Condominium Property Act, 765 ILCS 605/9(g)(1) and (g)(4). If this property is a condominium unit which is part of a common interest community, the purchaser

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of the unit at the foreclosure sale other than a mortgagee shall pay the assessments required by The Condominium Property Act, 765 ILCS 605/18.5(g-1). IF YOU ARE THE MORTGAGOR (HOMEOWNER), YOU HAVE THE RIGHT TO REMAIN IN POSSESSION FOR 30 DAYS AFTER ENTRY OF AN ORDER OF POSSESSION, IN ACCORDANCE WITH SECTION 151701(C) OF THE ILLINOIS MORTGAGE FORECLOSURE LAW. You will need a photo identification issued by a government agency (driver's license, passport, etc.) in order to gain entry into our building and the foreclosure sale room in Cook County and the same identification for sales held at other county venues where The Judicial Sales Corporation conducts foreclosure sales. For information: Visit our website at service.atty-pierce.com. between the hours of 3 and 5 pm. McCalla Raymer Pierce, LLC, Plaintiff's Attorneys, One North Dearborn Street Suite 1300, CHICAGO, IL 60602. Tel No. (312) 476-5500. Please refer to file number 8211. THE JUDICIAL SALES CORPORATION One South Wacker Drive, 24th Floor, Chicago, IL 60606-4650 (312) 236-SALE You can also visit The Judicial Sales Corporation at www.tjsc.com for a 7 day status report of pending sales. I720205 ___________________________________

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5/17/2017 IN THE CIRCUIT COURT OF Cook County, Illinois, County Department, Chancery Division. Champion Mortgage Company Plaintiff, vs. Unknown heirs and legatees of Gina Natalino; Secretary of Housing and Urban Development; Angelo A. Natalino aka Angelo Natalino aka Angelo A. Natalino, Jr; Carmela L. Rini aka Carmela Rini; Anthony D. Natalino aka Anthony Natalino; Anna L. Siracuse aka Ann L. Siracuse aka Ann Siracuse; Antoinette A . Bisconti aka Antoinette Bisconti; State of Illinois Department of Revenue; Gerald Nordgren Special Representative for the Estate of Gina Natalino;; Unknown Owners and NonRecord Claimants Defendants, Case # 16CH6702 Sheriff’s # 170104 F16040254 CPN Pursuant to a Judgment made and entered by said Court in the above entitled cause, Thomas J. Dart, Sheriff of Cook County, Illinois, will on June 14th, 2017, at 1pm in room LL06 of the Richard J. Daley Center, 50 West Washington Street, Chicago, Illinois, sell at public auction the following described premises and real estate mentioned in said Judgment: Common Address: 5008 West Warwick Avenue, Chicago, Illinois ,60641 P.I.N: 1321-217-035-0000 Improvements: This property consists of a Single Family Home. Sale shall be under the following terms: payment of not less than ten percent (10%) of the amount of the successful and highest bid to be paid to the Sheriff by cashier’s check or certified funds at the sale; and the full remaining balance to be paid to the Sheriff by cashier’s check or certified funds within twenty-four (24) hours after the sale.

Sale shall be subject to general taxes, special assessments. Premise will NOT be open for inspection. Firm Information: Plaintiff’s Attorney ANSELMO, LINDBERG OLIVER LLC Anthony Porto 1771 W. DIEHL., Ste 120 Naperville, IL 60566-7228 foreclosurenotice@fal-illinois.com 866-4028661 fax 630-428-4620 For bidding instructions, visit www.fal-illinois.com This is an attempt to collect a debt pursuant to the Fair Debt Collection Practices Act and any information obtained will be used for that purpose. ___________________________________

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