South End Citizen 3-4-2020 by CITIZEN NEWSPAPERS

Study: Your home’s water quality could vary by the room – and the season — Page 3

Citizen Week of March 4, 2020

| Vol. 53 | No. 4 | www.citizennewspapergroup.com

SOUTH END

Mayor Lori E. Lightfoot was joined by CPS CEO Janice Jackson, Interim Chicago Police Department Superintendent Charlie Beck and students from Phillips High School to announce an expansion of Choose to Change. Photos taken by Tia Carol Jones

MAYOR ANNOUNCES EXPANSION OF CHOOSE TO CHANGE

REAL ESTATE

ENTERTAINMENT

BUSINESS

graveyard shift On Stage Now At The Goodman Theatre

Aramark Good Cause Coffee to Benefit Boys & Girls Clubs of America PAGE 4

Check out our real estate listings for important foreclosure information

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PAGES 9-10

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NEWS briefly EDUCATION UIC NAMES RISING DATA SCIENTIST TO TRANSUNION ENDOWED PROFESSORSHIP “Big data” is getting a big boost in the University of Illinois at Chicago College of Liberal Arts and Sciences through a new professorship endowed by TransUnion, a leading global information and insights company. The partnership between UIC’s largest college and the Chicago-based company will address the overwhelming demand for data science research, education, careers, talent, and information in a world that is becoming increasingly data-driven. Yichao Wu, an expert in functional data analysis and machine learning, has been appointed the inaugural TransUnion Professor at UIC. Wu will develop and nurture research in data science, engage with businesses, and train graduate and undergraduate students for careers in a wide variety of professions. He also will play a pivotal role in the new multicollege bachelor’s degree program that is being launched at UIC and will assume the position of director of multidisciplinary research in data science, a new administrative post in the College of Liberal Arts and Sciences that will focus on the development of research initiatives for faculty and students in the college and across UIC.

HEALTH

THE 2020 AHA INNOVATION CHALLENGE IS ASKING THE FIELD TO HELP MAKE BEHAVIORAL HEALTH CARE MORE ACCESSIBLE AND AFFORDABLE The 2020 AHA Innovation Challenge is ready to: disrupt behavioral health care; inspire new strategies and test bold ideas that will make it easier for people living with psychiatric or substance use disorders obtain and afford proper treatment; and shatter the stigma commonly associated with behavioral health conditions and change lives for the better. The challenge is open to all American Hospital Association members and their partners. The top three proposals will receive $100,000, $25,000 and $15,000 to help bring the winning ideas to life. To learn more about the submission requirements and apply, visit aha.org/innovation-challenge. The deadline to submit applications is May 15, 2020. Award recipients will be honored at the AHA Leadership Summit July 19-21 in San Diego.

LAW & POLITICS

ATTORNEY GENERAL RAOUL AND SEVERAL ATTORNEYS GENERAL OPPOSE RULE CHANGES PROPOSED BY HHS AND DOE Attorney General Kwame Raoul, as part of a multistate coalition, recently opposed proposed federal rules that roll back critical safeguards that protect the rights of patients and students. The federal government’s proposals would allow faith-based organizations to deny services by circumventing some requirements in federal law, according to a press release. In two comment letters, Attorney General Raoul and several attorneys general oppose rule changes proposed by the U.S. Department of Health and Human Services (HHS) and the U.S. Department of Education (DOE). In both letters, Raoul and the coalition argue that the proposed rule changes are arbitrary and could allow health care providers and schools to discriminate against individuals for faith-based reasons. The two comment letters can be found at http://www.illinoisattorneygeneral.gov/ pressroom/2020_02/Multistate_Letters.pdf

Mayor announces expansion of Choose to Change Continued from page 1 BY TIA CAROL JONES

Mayor Lori E. Lightfoot, along with Interim Chicago Police Department Superintendent Charlie Beck, Chicago Public School CEO Dr. Janice Jackson, Dr. Sybil Madison, deputy mayor for education and human services, announced an expansion to the Choose to Change program at Wendell Phillips Academy High School, 244 E. Pershing Road. Choose to Change (C2C) is a program that was launched in 2015 by the University of Chicago Crime Lab and Education Lab and Children’s Home & Aid. The intervention program has served more than 600 young people on the South and West Sides in the last five years. The expansion includes year-round services for more than 2,000 students who are at the highest risk of gun violence involvements over the next three years. It will begin this summer, with Summer for Change (S4C). The city will contribute $1.1 million. It will be free for participants and their families. “We owe it to them to invest in their lives and to help transform their lives,” said Mayor Lightfoot. “We know from research done by the University of Chicago Crime Lab that this program, Choose to Change, not only kept students safe and engaged during the program, but has proven a positive impact on students after they complete the program. It reduces the probability that they are arrested, it reduces the opportunity that they are going to be a victim of violence.” Chris Taliaferro, 29th Ward Alderman, sits on the City Council’s Public Safety Committee. He also served with the Chicago Police Department for more than 23 years. Taliaferro said it has been an all-hands on deck effort “to ensure that every child in Chicago has a safe environment and nurtured environment in which they can grow in, they can learn in, and that they

Mayor Lori E. Lightfoot (pictured) announced the expansion of Choose to Change from a six-month program to a year-round program to help young people at the highest risk of gun violence involvement. Photos taken by Tia Carol Jones

can thrive in.” And, he applauded Mayor Lightfoot. “I applaud her for ensuring that our students that are behind us today have a seat at the table as we take part in this effort. I applaud her for her investment in making sure that we support our youth and keep them on the right path to success,” he said. “I want to thank the Mayor for her continued leadership when it comes to public safety and I look forward to expanding our effort.” Mayor Lightfoot said the expansion of the program is just the latest effort to support survivors of gun violence and to prevent gun violence. She said she had a roundtable discussion with students to ask what could be done to keep them safe. “They were very candid in sharing their experiences for which I am grateful,” she said. “And, we will learn from what we heard from today. We will make sure we do a better job as a city, not just as a city government, but as a city in making sure we’re doing better to support our young people.” Lightfoot went on to discuss recent events that involved guns and young people. The mayor said the common thread running through each incident involving children, young people and guns, is that

they should have never possessed them in the first place. “Adults in their lives failed them. And, what resulted was tragedy in each instance. No amount of policing, no superior crime strategy can address these private moments where adults allow children and teens access to deadly weapons. Adults, we have to be better,” the mayor said. Lightfoot plead with the young people to put the guns down. “You’re not a punk or weak if you don’t carry a gun, and you’re certainly not stronger or safer with a gun. A gun means your future is going to be determined and irreparably shaped by a trigger pull. You pick up a gun, you’ve picked up a ticking time bomb,” she said. “Don’t pick it up in the first place, put them down if you have them, but if you’re not feeling safe, find the adult in your life, who you trust, who cares about you, who loves and nurtures you and reach out to them.” Lightfoot also spoke to the adults and said adults should do better. She added gun violence cannot be normalized and picking up a gun is not okay. “Our jobs as adults is to love and support our children throughout the entirety of their lives; to help them build strength in times of trouble and teach them to love themselves and to love others,” she said.

Illinois State Police Forensic Laboratories Post Case Assignments And Completion Rates Online Springfield, Ill. – As a new measure of transparency and accountability, the Illinois State Police Forensic Services Command unveiled to the public a forensics dashboard showing the number of case assignments and average completion times. The dashboard is updated monthly and includes the number of case assignments completed by each section of the lab, the average number of days it took to complete those assignments, and the number of assignments pending completion in each section –

commonly known as backlog. “We want to provide accountability and transparency to victims, law enforcement, prosecutors and the general public to assure them that we are committed to continued improvement in our laboratory system,” said ISP Director Brendan Kelly. “Addressing the backlog is a top priority so that justice is never waiting on forensics whether it’s an unsolved cold case, a hot investigation, a case ready for trial, or post-conviction claims of innocence.”

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The dashboard shows all the forensic disciplines including trace chemistry, footwear and tire tracks, fingerprints, drug chemistry, toxicology, firearms and biology/DNA. It also shows the average number of days to complete testing and the current backlog of cases. The ISP FSC has implemented a laboratory information management system, conducted an independent audit and added automated processes in an effort to improve turnaround times. Last month, ISP forensic scientists completed 6,034

assignments, including 1,325 biology/DNA assignments. Biology/DNA currently has an average turnaround time of 193 days. The Illinois State Police Forensic laboratory system is one of the largest in the country, the only system in the nation that serves both an entire state and a massive metropolis like Chicago, providing forensic support for all police departments in Illinois. Access to the dashboard can be found here: https:// www.isp.state.il.us/forensics/ statsdashboard.cfm

CITIZEN | South End | Week of March 4, 2020

NEWS

Study: Your home’s water quality could vary by the room – and the season Is the water in your home actually safe, given that water utility companies in the U.S. aren’t required by law to monitor the water that specifically enters a building at its service line? A study has found that the water quality of a home can differ in each room and change between seasons, challenging the assumption that the water in a public water system is the same as the water that passes through a building’s plumbing at any time of the year. “This study reveals that drinking water in the service line water is clearly not the same quality at your faucet,” said Andrew Whelton, a Purdue University associate professor of civil engineering and environmental and ecological engineering. Researchers from Purdue, the University of Memphis and Michigan State University conducted the study, published in the journal Building and Environment. The study is so far the largest and most intensive investigation of water quality over time and throughout a single house. The researchers collected data 58 times at the house over the course of a year, logging more than 222,000 hours and 2.4 billion records. A YouTube video of the work is available at https://youtu.be/NJKEqJXItX4. While more studies at this scale are needed before generalizing findings to other American homes, the results are concerning: 10% of the time, disinfectant was not found in the water entering the house studied, meaning that the water was not properly protected from bacteria growth once it entered the home. There were also increases in water pH inside the house and large fluctuations in organic carbon. Either can indicate drastic changes in drinking water chemistry. The study took place at a three-bedroom house in West Lafayette, Indiana, that also functions as a living laboratory for developing technologies that would make homes more sustainable. The home, called the Retrofitted Net-zero Energy, Water and Waste (ReNEWW) House, is funded by Whirlpool Corp. and is the first lived-in retrofitted net-zero energy, water and waste home. Whirlpool engineers also were actively involved in the study. “Environmental sustainability is an essential part of Whirlpool Corp.’s heritage of innovative, efficient products, and our long-term commitment to our communities,” said Ron Voglewede, the company’s global sustainability director. “ReNEWW House leverages world class facilities in collaboration with Purdue researchers to accelerate the development of sustainable innovations, which advance our constant pursuit of improving life at home.” The Environmental Protection Agency (EPA) also supported this study. Federal and state law does require water utilities to report their drinking water’s chemical quality where it enters a buried water distribution network and at select locations throughout that network. But that water may not be representative of the water quality in a building. And even when utility companies check for lead and copper at a building faucet, they are

Drinking water at a home’s faucet is not the same quality as the water at a service line, researchers have found. Pictured: Maryam Salehi. Purdue University photo/Erin Easterling

not required to check faucets throughout the entire house or between seasons. “We found that the water chemical quality varied significantly through water fixtures due to water temperature, plumbing fixture and different water uses,” said Maryam Salehi, an assistant professor of civil engineering at the University of Memphis, who was previously a postdoctoral research associate at Purdue. Spatially, there was no disinfectant exiting the house’s water heater more than 85% of the time. While the team found other chemicals to be higher than others between seasons or throughout the house, most of these levels aren’t harmful according to national guidelines. The level of lead in the ReNEWW house did, however, exceed the American Academy of Pediatrics recommended exposure limit for children. No children were living in the home. Some of the house’s lead-free plumbing components also were found to leach lead in a bench-scale test. These findings call for a closer look at both how often utility companies should monitor lead concentration in a home and if governments should more broadly provide financial support to homeowners for testing their own water quality. Climate change may also exacerbate seasonal variability in water quality. “It’s known that warmer temperatures allow microorganisms to persist in source water for longer periods of time. Heavier precipitation can also result in combined sewer overflows in some locations, while droughts affect water quantity and available source water,” said Jade Mitchell, an associate professor of biosystems and agricultural engineering at Michigan State University. Some of the study’s findings could already

Findings from a yearlong study conducted at a house-laboratory suggest that a home’s water quality varies spatially and over time. Photo provided by Whirlpool Corporation

have implications for other houses in the U.S., given that the ReNEWW house has a similar square footage and plumbing design compared to the average American home. “After water enters a home, it continues to age. Older water is more likely to have contaminants that are problematic. Because the quality of water delivered to a single home can vary significantly, and building plumbing can change the water too, predicting drinking water safety at every building faucet is currently not possible,” Whelton said. The researchers note that different plumbing materials, a varying number of house occupants and other factors could affect the water quality of a home. These factors warrant future study. More studies like this one could inform the development of new technology for preventing people from encountering unsafe

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water in their home. In the meantime, there are several precautions consumers could take to improve their home’s water quality. “Choose plumbing designs that minimize the amount of water and time that water sits still. This should help limit microbial growth and lessen the chance that chemicals leaching from the plumbing exceed unacceptable levels. If you have an existing home, flush the faucet before taking a drink to get rid of the old water. Flushing can help bring in new, fresher water from the building entry point,” Whelton said. This work was supported by an ongoing $2 million grant from the EPA and involves 28 nonprofit, private and government sector organizations. More plumbing safety tips and resources are available on Whelton’s site at plumbingsafety.org.

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BUSINESS

Aramark Good Cause Coffee to Benefit Boys & Girls Clubs of America Each year, Aramark provides over one billion cups of coffee and 400 million cold drinks to workplaces around the country. This year, Aramark is donating a portion of sales from javia®, its private label coffee, and Reserve by javia, its new, premium line, to Boys & Girls Clubs of America. Reserve by javia and javia coffees have been designated as a “Good Cause Coffee,” where a portion of sales is donated to local non-profit organizations. Now in its fifth year, the “Good Cause Coffee” campaign has donated $500,000 to various community centers across the country. Aramark became a corporate partner of Boys & Girls Clubs of America in 2019, and this year will focus the “Good Cause Coffee” dollars on supporting their mission of helping all youth achieve great futures. Boys & Girls Clubs of America, which had its beginnings in 1860, help keep kids and teens

This year, Aramark is donating a portion of sales from javia®, its private label coffee, and Reserve by javia, its new, premium line, to Boys & Girls Clubs of America.

safe after school by providing a positive environment where they can learn, play and grow. The organization’s goal is to enable all young people to reach their full potential as productive, caring,

responsible citizens. “We are so excited to be the beneficiary of Aramark’s ‘Good Cause Coffee’ this year,” said Chad RoyalPascoe, national Vice President, corporate and cause partnerships,

at Boys & Girls Clubs of America. “These donations will help us reach more youth and give them access to the tools and resources they need to succeed in life. We are so thankful to Aramark and their commitment to great futures.” There are more than 4,600 Boys & Girls Clubs across the country that serve over 4.7 million young people. Many of Aramark employees volunteer at these Clubs through Aramark Building Community, the company’s global volunteer and philanthropic program. Going forward, Aramark is exploring ways

to work with the Boys & Girls Club, to integrate health and wellness and workforce programs – which are the focus of Aramark Building Community – into activities at the Clubs. “Our Refreshments team is pleased to offer a high quality, whole bean coffee program, with Reserve by javia, along with our traditional javia coffees. We’re delighted to be able to energize not only workplaces, but also a very deserving cause,” said Jim Frost, president of Aramark’s Refreshment Services division. “As North America’s leading office coffee provider, we’ve made it part of our mission and promise to give back to the local communities in which we live and work.”

U.S. Department of Labor Publishes Amendments and Technical Corrections to OSHA Standards The U.S. Department of Labor’s Occupational Safety and Health Administration (OSHA) recently published technical corrections and amendments to 27 OSHA standards and regulations. This administrative rulemaking corrects minor misprints, omissions, outdated references, and tabular and graphic inaccuracies. The revisions apply to several industry sectors, including general industry, construction, shipyard employment and longshoring. Some revisions may reduce employer costs, and none expand employer obligations or impose new costs. Under the Occupational Safety

and Health Act of 1970, employers are responsible for providing safe and healthful workplaces for their employees. OSHA’s role is to help ensure these conditions for America’s working men and women by setting and enforcing standards, and providing training, education and assistance. For more information, visit www.osha.gov. The mission of the Department of Labor is to foster, promote, and develop the welfare of the wage earners, job seekers, and retirees of the United States; improve working conditions; advance opportunities for profitable employment; and assure work-related benefits and rights.

Consumer Culture Report Reveals Millennial Spending Increases with Charitably Conscious Companies 5W Public Relations, one of the top 15 independently-owned PR agencies in the U.S., has released their 2020 Consumer Culture Report and has found that 67% of Millennials believe it’s important that a brand they purchase from has a charitable component, illustrating Millennial’s ongoing effort to be purposeful in both how and with whom they choose to spend their money. “Millennials are recognized by older generations as being hyper aware of the influence their actions hold,” said 5WPR CEO and founder, Ronn Torossian. “The report’s insights support these claims, suggesting that Millennials aren’t blindly engaging with brands, instead taking an active role in learning what the brands stand for and paying attention to their marketing efforts. As Millennials grow to accumulate a disposable income, they’re able to make a shift from physically volunteering to showing support through monetary contributions.” For more insights into consumer culture, download 5WPR’s Consumer Culture Report at this link https://www.5wpr.com/new/research/5wpr-2020consumer-culture-report/ www.citizennewspapergroup.com

CITIZEN | South End | Week of March 4, 2020

NEWS

‘It Impacts Weight, Sleep and Mental Health’ Family Features - Michele Adams is quick to say, “I don’t want to throw anyone under the bus,” but it took her being hit by a car for her thyroid disease to finally be diagnosed. Adams has always been an active person, but for a few years, she had felt tired and had a constant tightness in her throat. She was diagnosed with post-nasal drip but did not feel relief after a year of treatment. “I thought this exhaustion, hoarse voice and lump in my throat were just my new normal,” Adams said. “I’d accepted it, and I shouldn’t have.” During this time, Adams went on a bike ride in northeastern New Jersey - something she still does frequently. However, on this day, Adams was struck by a car as she was biking. The incident resulted in an MRI scan. Adams was not seriously injured, but doctors noticed something unexpected. The scan revealed nodules in her lower neck, which suggested thyroid disease. “I now realize I had symptoms of a thyroid condition for years,” Adams said. “I’d had it up to here with not feeling like myself. Once I had the MRI results, I knew to seek out a thyroid expert, and I found an endocrinologist.” What you probably do not know about your thyroid Thyroid disease is more common than diabetes and heart disease, but more than half

of Americans with thyroid disease are unaware, according to the American Association of Clinical Endocrinologists (AACE). This lack of awareness can endanger a person’s health and well-being. The thyroid is a butterfly-shaped gland located low in the front of the neck below the Adam’s apple. It produces thyroid hormones that influence almost every cell, tissue and organ in the human body. Common signs of thyroid diseases include: l Unexplained changes in weight l Depression, anxiety or feelings of irritability l Changes in memory or ability to concentrate l Joint or muscle pain or weakness l Fatigue or trouble sleeping l Fast or irregular heartbeat l Irregular menstrual periods Cheryl Rosenfeld, D.O., is a thyroid expert and AACE member. Rosenfeld is also the physician who treated Adams’ thyroid disease. “If the thyroid does not function correctly, it can affect every possible aspect of a person’s life,” Rosenfeld said. “Remember that thyroid conditions can cause changes in mental health, including depression. I’ve also spoken to patients who’ve experienced an inability to concentrate, which seriously affected their performance at work.” Several disorders can arise if the thyroid produces too much hormone

(hyperthyroidism) or not enough (hypothyroidism). Other thyroid diseases include: l Nodules l Thyroid cancer l Graves’ disease l Hashimoto’s thyroiditis l Thyroid eye disease Undiagnosed thyroid issues can also place a person at increased risk for heart disease, osteoporosis, infertility and other serious conditions. What to do if you are ‘up to here’ with not feeling like yourself “Once I was placed on treatment for Hashimoto’s and hypothyroidism, my life changed Thyroid disease is more common than diabetes and heart discompletely,” Adams said. “My throat ease, but more than half of Americans with thyroid disease are is no longer sore, and I’m able to go unaware, according to the American Association of Clinical out with my family or spend time at Endocrinologists (AACE). the gym without feeling completely hormone-related diseases and conditions, drained of energy.” including thyroid cancer and all other diseases The first step to ensure your thyroid gland related to the thyroid gland. functions properly is to speak with a health Visit thyroidawareness.com to learn more care provider about your symptoms and about thyroid health. whether a thyroid test is needed. SOURCE: American Association of Clinical An endocrinologist is a specially trained Endocrinologists doctor who is qualified to diagnose and treat

If I could do one thing, I’d tell the world she counts. Communities are as rich and diverse as their needs. That’s why completing the 2020 Census matters. It’s a safe and confidential step toward having an impact on how public funds flow through our communities. That could mean more resources in your area for special needs. It’s within your control.

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CITIZEN On The Move

Comcast Xfinity Expands Its Community Footprint With A New Store Located In The Marshfield Shopping Center (Left): Workers are all smiles as they assist Tamikko Mayo (Pictured in white sweater), Store Assistant Manger and members of the Comcast/ Xfinity employee with the official cutting of the ribbon at the grand opening celebration held recently. Comcast Xfinity opened a new store in the Morgan Park community. Photos by Jerome Simmons

Store manger Mayo and others enjoyed the hands on painting station at the opening.

Pictured: Janece Simmons, Far South Community Development Corp.; Tamikko Mays and Andrea Reed, Exec. Director of Greater Roseland Chamber of Commerce.

Tamikko Mayo and Lisette Martinez senior director of retail Comcast Chicago. Martinez point out the store features during the grand opening ceremony.

Honoring Those Who Do Great Work During Black History Month The African American Employees Committee (AAEC) recently honored the “African Americans “Treasures” who do great work for their organizations as well as the community they serve. The President of AAEC is Russell Ermon who is a representative of the office of the Clerk of the Circuit Court of Cook County. Photo by Parachute Top Row, Left to Right: AAEC President, Russell Ermon, Dr. Shaffdeen Adenlyl Amuwo, Clinical Professor Emeritus, University of Illinois; Rev. Walter Jones, Founder & Executive Director, Fathers Who Care, Donald Dew, President/CEO, Habilitative System, Inc. (HSI); Melissa Ford (for Dr. Gail Baker), Vice President, Academic Affairs, University of San Diego); Rev. Johnnie Miller, Pastor, Mt. Vernon Baptist Church; Dana Jackson, AAEC Vice President. Seated, Left to Right: Judge Freddrenna M. Lyle, MC; Angela Robinson, Ronald Wade Awardee; Jacqueline Tolliver, Ronald Wade Awardee; Clerk Dorothy Brown; Arshele Stevens, CEO, Girls, Inc.: Myetie Hamilton, Vice President, City Year Chicago; Not pictured - Melissa Conyears-Ervin, Chicago City Treasurer.

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CITIZEN | South End | Week of March 4, 2020

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8 | CITIZEN | South End | Week of March 4, 2020

ENTERTAINMENT

graveyard shift On Stage Now At The Goodman Theatre Rising stars playwright korde arrington tuttle and director Danya Taymor reunite for graveyard shift, following its appearance as a developmental production in the Goodman’s 2018 New Stages Festival. Featuring an ensemble cast of five, graveyard shift is an unflinching but open-hearted look at how we navigate a world full of fear, loosely inspired by the legacy of Sandra Bland. Casting note: Debo Balogun replaces previously announced actor Kyle Vincent Terry, who has left the production. Full casting is below. Graveyard shift appears through March 8 in the Goodman’s 350-seat Owen Theatre. Tickets ($10-45; subject to change) are on sale now at GoodmanTheatre. org/graveyardshift, by phone at 312.443.3800 or at the box office (170 North Dearborn). When she receives the opportunity of a lifetime, Janelle relocates to Texas and moves in with her partner, Kane. Meanwhile, a small-town police officer’s life is thrown into flux when the coworker he’s romantically involved with decides to leave town. When their worlds collide, Janelle experiences firsthand how

Rising stars playwright korde arrington tuttle and director Danya Taymor reunite for graveyard shift.

dangerous power can be. The ensemble cast features Debo Balogun (Kane), Keith D. Gallagher (Brian), Rae Gray (Elise), Aneisa Hicks(Janelle) and Lia D. Mortensen (Trish). The creative team includes Kristen Robinson (Set Design), Montana Levi Blanco (Costume Design), Marcus Doshi (Lighting Design) and Richard Woodbury (Original Music and Sound Design). Rebekah Heusel is the Production Stage Manager.

Aneisa J. Hicks (Janelle) and Debo Balogun (Kane) in graveyard shift by korde arrington tuttle, directed by Danya Taymor (Now - March 8, 2020). GoodmanTheatre.org/graveyardshift

Rae Gray (Elise) and Lia D. Mortensen (Trish) in graveyard shift by korde arrington tuttle, directed by Danya Taymor (Now - March 8, 2020). GoodmanTheatre.org/ graveyardshift

Keith D. Gallagher (Brian) and Aneisa J. Hicks (Janelle) in graveyard shift by korde arrington tuttle, directed by Danya Taymor (Now- March 8, 2020). GoodmanTheatre.org/graveyardshift

Aneisa J. Hicks (Janelle) in graveyard shift by korde arrington tuttle, directed by Danya Taymor (Now- March 8, 2020). GoodmanTheatre.org/graveyardshift

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Debo Balogun (Kane) in graveyard shift by korde arrington tuttle, directed by Danya Taymor (Now March 8, 2020). GoodmanTheatre.org/graveyardshift

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CITIZEN | South End | Week of March 4, 2020

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Start a viable budget by analyzing wants versus needs for each month. When creating a budget, you should also make sure to use your net income after taxes rather than your gross income before taxes so that you will get a realistic idea of what you can afford and where you should make cuts. Furthermore, if you don't already have a savings account, consider opening one up. While a savings account won't show up on your credit report, it does provide you with a simple way to save in case of an emergency. That way if you're hit with an unexpected bill, you will still be able to pay it on time, and that timely payment can protect your credit report and score. Take out loans wisely Taking out a loan and paying monthly installments diligently helps build good credit. However, you shouldn't take out more than the amount you need or can afford. For example, if you need to get a car loan, consider a moderate car that does the job rather than an expensive upscale one that will take much longer to pay off. Likewise, school loans are a necessity for many people. While you likely won't have to start making payments on these loans until after graduation, you should try to keep student loan debt at a minimum. Take out what you need for tuition and associated school expenses, rather than borrowing additional amounts for things like vacations. That way you will have a smaller loan to pay off when you start working so you never have to stress about making a payment on time. Every other financial transaction while you are in college is an additional chance to build and enhance your credit history and you should treat them as such. Pay your bills on time, especially those with your name on them, such as utilities. "Smart steps at 18 can help you achieve a great credit score and set you up with a lifetime of good financial habits," says Richardson. "Even if you're older than 18, there's no better time than the present to make wise financial decisions that will help you build a credit history that will benefit you long term."

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