South End Citizen 8-29-2018 by CITIZEN NEWSPAPERS

Citizen Week of Aug. 29, 2018

| Vol. 51 | No. 29 | www.thechicagocitizen.com

SOUTH END

APARTMENT RESIDENTS VOICE THEIR CONCERNS ABOUT LIVING CONDITIONS

Business: How Much Do Your Kids Know About Money? â&#x20AC;&#x201D; Page 4 News: Career Coach Gives Advice On How To Prepare For a Career Change Or Promotion â&#x20AC;&#x201D; Page 5 |

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NEWS briefly EDUCATION

HUNTER PLAN TO PREVENT FUTURE CHICAGO PUBLIC SCHOOL CLOSURES BECOMES LAW State Senator Mattie Hunter’s (D-Chicago) plan to prevent future closures of Chicago Public Schools without proper warning was signed into law recently. “As we’ve seen in the news lately, CPS has been closing school doors without notice, leaving thousands of students without a neighborhood school to go to or forcing them to travel to a new consolidated school,” Hunter said. “That’s unacceptable.” House Bill 5721 requires more long-term planning, transparency for capital spending, community input and district collaboration to prevent inefficient and disruptive school closings. It also mandates CPS to provide more notice and information on the status of schools. The governor recently signed House Bill 5721. It takes effect immediately.

HEALTH

CHICAGO DENTIST INVITES THE PUBLIC TO 2ND ANNUAL ORAL CANCER WALK TO HELP SAVE LIVES With oral cancer on the rise, Chicago Dental Society (CDS) member Dr. Josephine Chang Pallotto and the Oral Cancer Foundation recently invited the public to join the 2nd Annual Oral Cancer Walk to raise funds and awareness of this disease. The event was held at the University of Illinois Chicago at the Les Miller Field at Curtis Granderson Stadium locates on 901 Roosevelt Road in Chicago. Roughly 52,000 Americans will be diagnosed with oral cancer in 2018, according to the American Cancer Society. Because oral cancer is often discovered at a late stage, more than 10,000 of those cases may be terminal – so early detection is key to increasing survival rates. Inspired by her mother’s perseverance and strength during her own cancer treatments to help find a cure for other patients, Dr. Chang Pallotto organized the first Oral Cancer Walk in 2017. Proceeds raised from the 2nd Annual Walk will go toward increasing awareness about the signs and symptoms, and how to screen for the disease – as well as toward oral cancer prevention through lifestyle changes, improved treatment modalities and research.

LAW & POLITICS

INDIVISIBLE ILLINOIS ENDORSES J.B. PRITZKER FOR GOVERNOR The Indivisible Illinois leadership has voted to endorse J.B. Pritzker for Governor and Juliana Stratton for Lieutenant Governor. Indivisible IL state coordinator Leni Manaa-Hoppenworth said, “Indivisible Illinois is pleased to endorse these candidates, Illinoisans who share our values to maintain and improve true representative democracy and the rule of law. We’re proud to join our neighbor Barack Obama in solidarity with Pritzker and Stratton.” Indivisible Illinois is part of the locally-led, people-powered Indivisible Project network, a grassroots American movement founded in 2016, with thousands of chapters in urban, suburban and rural areas, with at least two groups in every congressional district. Indivisible Illinois engages and empowers people to promote a progressive agenda, elect progressive leaders and realize progressive government.

Apartment Residents Voice Their Concerns About Living Conditions Continued from page 1 BY KATHERINE NEWMAN

Residents of the Indian Trail Apartments, located on 221 E. 121st St. in West Pullman, recently held a press conference in front of the building to speak about their concerns and alleged declining living conditions in the building. The Indian Trail Apartments are currently managed by the Habitat Company, a full-service real estate company with a wide variety of property types including affordable housing, condominiums, and luxury high-rise towers. During the press conference, current tenants of the Indian Trail Apartments alleged that mold, rodents, bugs, structural concerns such as ceilings caving in and issues with elevators are a problem. “These apartments need to be shut down. I’ve called numerous times to get

work orders in and nobody came out. My ceiling is about to fall in my bathroom. There are roaches everywhere, all in the hallway, wherever you turn there is roaches. It just needs to be shut down,” said Christina Butler, current resident of Indian Trail Apartments. Residents also alleged that several maintenance requests have been filed and the work has either not been completed in a timely manner, not been completed to the tenants’ satisfaction or not completed at all. “It takes too long to get work orders done for whatever reason, I don’t know, maybe they are understaffed. We have about 180 apartments and two maintenance men, so it is taking 90 days to get a work order done,” said Tanisha Jones, current resident of Indian Trail Apartments. One resident also alleged that the building is not handicap accessible despite the number of seniors that live there. Senior

tenant, Rosetta Richmond, has lived in the building for 27 years and uses a motorized wheelchair to get around. Richmond said she would like to have bars added to her bathroom to help her, but claimed she doesn’t have any. “We have elderly tenants and they don’t have bars in their bathrooms, the building is not handicap equipped. They can’t get in and out of the building by themselves, there are no electronic buttons or sensors and the elevators are almost all out of order,” said Jones. The Indian Trail Apartment tenants are hoping that they will be able to leverage their voices to get the attention of the property managers and have a conversation about improving their quality of life at the apartment building. Calls to the Habitat Company for a response went unreturned by the Citizen’s deadline.

Day of Action Held In South Shore To Create A Community Needs Assessment BY KATHERINE NEWMAN

A local initiative, The I Project, recently organized a Day of Action where Chicago volunteers met at Bouchet Elementary Math and Science Academy and then went door-to-door in South Shore to get direct input from residents on what would make their community more sustainable.” I Project is an activism through arts initiative, rooted in Intersectionality theory, aiming to create equitable societies, according to The I Project Website. Intersectionality theory is the idea that all people have overlapping identities that affect the way they navigate life and experience oppression. “Intersectionality theory is a theory created by Kimberly Crenshaw to explain how black women and women of color experience things differently because of their gender and because of their race/ethnicity culture. What The I Project prioritizes to do is to include and benefit the most oppressed subsets, which is queer women of color. That’s our main mission, to create equitable societies,” said Sabrina López-Zúñiga, team member of The I Project initiative.

A local initiative, The I Project, recently organized a Day of Action where Chicago volunteers went door-to-door gathering information from South Shore residents on how to make their community more sustainable. Photo Credit: The I Project

Over the summer, The I Project team began their work in South Shore with a few different goals. First of all, they began working with Bouchet Elementary, 7355 S. Jeffery Ave., and helping the school to secure more resources for students. Secondly, the team set out to do a community needs assessment specific to

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South Shore so that they could better serve the community as a whole. The recent Day of Action which was organized by The I Project team was a way of getting out into the community to find out what would make this community work better for the people that are already living in it. Although they weren’t

able to canvas all of South Shore in one day, they got a good start and some useful information. “It seemed like a lot of people weren’t being given a chance to localize what they were feeling and what their needs are. That was the point of this project because we didn’t feel like we could go into this neighborhood and take it upon ourselves to figure out what they need and assume what they need,” said López-Zúñiga. Though there were plenty of door-knocks that went unanswered on the Day of Action, López-Zúñiga said that it’s the doors that do get answered that you remember most when you are out canvassing. “A lot of people were very cooperative and I think one of the big responses we got was that a lot of people didn’t know their neighbors and they didn’t think they had enough community events to create a community,” said López-Zúñiga. The I Project team will still have to do a little more canvasing before they are able to start analyzing their results, but they are planning to release a full report on their South Shore community needs assessment in the Summer of 2019.

CITIZEN | South End | Week of Aug. 29, 2018

NEWS

Buyers of foreclosed properties protected by new law To eliminate a legal loophole that has allowed self-styled “distressed property consultants” to exploit homeowners over decades-old paperwork, State Senator John Mulroe’s sponsored legislation was signed into law recently. An appellate court ruled that the formatting of a summons document rendered a foreclosure case invalid, a move that has encouraged such “consultants” to dig through old foreclosure judgments, offering to reopen

them in exchange for a cut of the proceeds from any litigation. The judgment turned on the fact the defendant’s name was printed in an attachment to the summons rather than on the front page. “This practice exploits both the original homeowner and any subsequent purchaser,” Mulroe said. “This legislation closes a disingenuous loophole and protects homeowners, and I’m glad to see it signed into law.” Senate Bill 2432 clarifies that a summons is

still valid even if it contains a formatting inconsistency, so long as the summons has been issued by a clerk of the court and other basic procedures are duly followed. It also bans distressed property consultants from making agreements with a foreclosure defendant in exchange for a cut of the proceeds. Lastly, it provides new protections to purchasers of foreclosed property, including: * requiring future purchasers of foreclosed property to be named as parties in actions to

reopen the foreclosure * allowing them to remain in the property during the action to reopen * requiring actions to recover foreclosed property to be brought within two years of the date a future purchaser takes possession * and clarifying that a future purchaser who holds the property and pays property taxes for two years holds legal title to the property. Signed by the governor, the new law is effective immediately.

South Carolina Rep. Jim Clyburn Says that Democrats that Want to Win in November Must Advertise in the Black Press BY Stacy M. Brown NNPA Newswire Contributor

While there’s at least a perceived growing number of Democrats who say they want to replace California Rep. Nancy Pelosi as the Democratic leader in the House of Representatives, South Carolina Rep. Jim Clyburn has emerged as a favorite among his peers to become the first African American to hold that position. In an exclusive interview with the NNPA Newswire, the 25-year congressman said that, while he’s ready for the challenge, Democrats currently have much bigger fish to fry. “The first order of business is to win the [midterm] elections on November 6,” Clyburn said. “That’s what I’ve been concentrating on.” Clyburn and Congressional Black Caucus Chair Cedric Richmond each told the NNPA Newswire that they’ve identified 37 districts across the country they believe can be won by Democrats this year, which would wrest control of the House from Republicans. “We feel, with the right kind of effort, we can win,” Clyburn said. Clyburn listed three keys to success this November. The first key, Clyburn said, is to prioritize the Black vote; Democrats can’t afford to take the African American vote for granted. Secondly,, the Democrats shouldn’t rely an an anti-President Donald Trump wave to get out the vote. Finally, Clyburn said that candidates must advertise in the Black Press, if they want to win in November. “We are also talking about districts where Barack Obama won twice and where Hillary Clinton also won, but these voters don’t turn out for the socalled ‘off-year elections,’” Clyburn

said. “We can’t let these voters feel like we’re taking them for granted.” Clyburn, 78, said he was recently taken aback by one candidate, who said that he could win the Black vote by running on an anti-Trump platform. “Wait one second,” Clyburn said that he told the individual. “We can’t just go around being ‘Republican-light.’ We have to be out there putting forth an alternative message, for our base, and we have to reach out to Black voters and let them know we’re not taking them or any of our base for granted.” To that end, Clyburn said advertising campaigns must largely include the Black Press. “It’s very, very important… Chairman Richmond and I have had candidates in and we’ve been telling them that one of the best ways to demonstrate that you’re not taking the Black vote for granted is to advertise in the Black Press,” Clyburn said. The National Newspaper Publishers Association (NNPA) is the oldest and largest trade group representing the Black Press, comprised of more than 200 Blackowned newspapers operating in the the United States. “I’ve been in [the Black Press]. My daughter and I ran a newspaper down South, so I know that candidates tend to take Black media for granted,” Clyburn said. “They tend to judge Black media the same way they do other media and you just can’t do that, because the business model is totally different.” Each Sunday after attending Morris Brown A.M.E. Church in Charleston, S.C., Clyburn said he and other churchgoers habitually pick up the local Black-owned newspaper. “People tend to pay attention to the headlines, the stories and the ads in the Black Press so it’s vitally important that candidates know this,”

Jim Clyburn (D-S.C.), pictured, says that President Trump has a deep-seated hatred for people of color that manifests itself every day. In an exclusive interview with the NNPA Newswire, the 25-year congressman said the first order of business is to win the [midterm] elections on November 6, adding if Democrats want to win in November, they must advertise in the Black Press. Photo Credit: The United States Congress

Clyburn said. A former history teacher, Clyburn said Trump’s obsession with dismantling Obama’s legacy is reminiscent of tactics employed by Andrew Johnson to demean his predecessor, Abraham Lincoln. Johnson, who was impeached by House, had a vision of America as a White man’s government, according to historians. “If you remember, it’s the same kind of reaction Johnson had to Lincoln and I remember sitting alone once in the Oval Office with Obama www.thechicagocitizen.com

and I told him that this would be the kind of reaction he could expect,” Clyburn said. “[Obama] was never going to get the kind of respect for his presidency that was shown to presidents before him,” Clyburn said. “The narrative that exists in this country is that there are certain things that Black folks are not supposed to do and one of those things is becoming the president of the United States and [President Trump] and his administration, feel they have to do whatever they can to wipe out any semblance that

Barack Obama was ever president of the United States.” Clyburn continued: “[Trump] has a deep-seated hatred for people of color and it manifests itself every day.” Though he doesn’t support or agree politically with former Trump aide Omarosa Manigault Newman, Clyburn said he was deeply troubled when Trump referred to her as a “low life” and a “dog.” “I’m the father of three daughters and I’m deeply insulted by the president of the United States referring to an African American women the way he referred to her,” he said. “Politics aside, I’m insulted that the president of the United States would denigrate the office in this way.” Clyburn continued: “The president asked an important question when he was running, ‘What do we have to lose?’ Well, we have lost dignity and the respect of the presidency, because of his coarseness in the office. When you lose respect, you’ve lost about everything there is to lose.” While he still supports Pelosi, Clyburn said that if the Democrats take back the House, he’s up for the job as speaker. “I have always supported her, but I have always remembered a sermon I heard my father give a number of times,” Clyburn said. “That sermon stayed with me and he said, ‘keep your lamps trimmed and burning to be ready when the bridegroom comes.’ My point is, I’ve never forgotten that sermon so I keep my lamp burning so I’m ready.” Stacy Brown is an NNPA Newswire Contributor and co-author of “Michael Jackson: The Man Behind the Mask: An Insider’s Story of the King of Pop.” Follow Stacy on Twitter @stacybrownmedia. This article was originally published on BlackPressUSA.com.

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BUSINESS The Duchess Of Cyber Security: Making Impacts In The Industry When you think of cyber of encryption, Dr. Suggs is an security, the prevention expert cyber security consultant of computer hacking, and and CEO of Wyvern Security, a protection of digital assets comes company that advises its clients to mind. After the recent digital regarding security posture hacks of companies such as and works to uncover and Yahoo, Equifax, Target and JP identify new and emerging Morgan Chase, it is obvious that cyber threats. Wyvern Security this reoccurring security issue offers services to enhance an could use a major reevaluation organization’s ability to defend by some of the brightest minds against cyber-attacks. They also and experts. One woman provide a full life-cycle of cyber making a massive impact in this Wyvern Security - Duchess security support packages to field is Dr. Chanel Suggs. ensure government agencies of Cybersecurity ® Dr. Suggs, known as The and commercial companies can Duchess of Cybersecurity ® has been awarded meet their regulatory and business security over five certifications through the National requirements. Security Agency (NSA) and Committee on The company’s focus is to consult and National Security Systems (CNSSI). Recognized educate clients on the importance of cyber by The Washington Post for her work in security as well as research solutions to stay relation to the breakdown of the mechanics ahead of data breaches. Wyvern Security is

breaking into the field of contracting as they have now begun partnering with companies for NASA opportunities. “Cyber security is one of those fields where things are always changing,” says Dr. Suggs. “Due to this, you always have opportunities to think outside of the box to fix various issues. Over the years attacks have become much more sophisticated and advanced. It is important to pay attention to the key details as sometimes the smallest detail can explain how a cyberattack occurred.” The Duchess of Cybersecurity® will be hosting a booth during the KSC event at the NASA Business Opportunities Expo, on October 23rd, 2018. Dr. Suggs will be speaking at the Cyber-Health Summit in September. Dr. Suggs also plans to host a webinar focused on cryptography and how to keep data safe available on YouTube at “Duchess of Cybersecurity” and DuchessOfCybersecurity.com.

How to Turn Your Side Hustle Into A Business StatePoint - Whether you’re looking to pick up a side hustle or make the leap into starting your own business, there are many ways to be your own boss. No one knows how to trailblaze better than the motivated individuals who run their own businesses, according to Avon, the iconic beauty company with an over 130-year track record empowering women and men to be their own bosses. That’s why the brand’s latest campaign catalog honors and features the brand’s very own Avon Representatives. From topsellers to accomplished leaders, the first-of-its-kind catalog for the brand recognizes the Avon Representative community by highlighting the real people from across the country who are not only the cover models but also the role models. To get inspired, check out these tips from a few of the men and women featured in the campaign, based on their own real-life successes.

BE AUTHENTIC A former Marine and fulltime pharmacist, Starsky Clark of Baton Rouge, LA, initially joined Avon to make some extra income as a side hustle. She quickly realized her potential to grow her business in a big way and has since forged a career as

a successful Representative and leader in the community. Her recipe for success? “Be passionate about your business and the products you’re selling,” says Starsky. “Use the products yourself! That way, you’ll be able to share your authentic anecdotes with others to build personal relationships and special connections with your customers.” LEAN ON YOUR MENTORS Andres Taberes of Grayson, GA, was working in a car body shop when he met his now wife, Valeryn, and it was love at first sight. A few years ago, when they were expecting their first child, Andres realized that his long hours at the body shop would keep him from partaking in important milestones. So, he turned to his mentor for help: his mom, who happened to be a successful Avon Representative. “My mom encouraged me to become an Avon Representative and I’ve never looked back, says Andres. “Listening to her share her own journey and the mistakes she made helped me carve out my own path. Soon after, my wife joined as well and now we live an incredible lifestyle and still make time for our son and each other.” DEDICATE TIME CONSISTENTLY Donna Reid-Mitchell of Frisco, TX was a single mother

Avon Rep Starsky Clark building up her business from home.

working as a hairstylist when she joined Avon on the side. She very quickly learned that consistency was the key to an effective business. By laying the groundwork and pushing herself to continuously make time to work on and grow her business, Donna was able to transform her side hustle into a lucrative business long-term. “As soon as I started, I found that consistency was the difference between a good business and a great business,”

says Donna. “I wanted to build something that would be sustainable; an empire that I could pass on to my children. I developed a real business plan that unfolded consistently over time, and 15 years later I’m continuing to reap the benefits.” Interested in learning more about starting your own business with Avon? Visit www.avon.com. With passion, dedication and a bit of helpful guidance, you can turn your side hustle into a full-time business.

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MONEY MATTERS

How Much Do Your Kids Know About Money? StatePoint - With consumer debt on the rise and many failing to adequately save for the future, experts say that financial illiteracy is a major problem for Americans -- and one that communities and parents have a joint responsibility to address, starting in childhood. And right now, most children are coming up short in this area. Over 62 percent of the 15- to 18-year-olds tested by the National Financial Educators Council received either a “D” or “F” on the 2017 National Financial Literacy Test. Without intervention, these young people could grow up without the skills needed to manage credit cards, loan debt or savings goals. If you’re a parent, you’ve likely already instilled in your children the importance of good grades and healthy decisions, but if you aren’t also discussing concepts like overall saving, budgeting and the importance of having an emergency fund, now is the time to start. Children are never too young to learn skills needed for a secure financial future. To get started, consider these tips: • Teach young children money basics by playing “store” at home. Take turns being the customer and the cashier. Play board games involving money exchanges to practice addition and subtraction. • Give children an allowance and help them create a budget. Stress the difference between needs vs. wants to help them make smart decisions when it comes time to shop for clothes, school supplies, toys and more. • Offer children incentives to save, promising to match any money they sock away so they’ll learn how invested money grows. • Encourage teenagers to get part-time jobs, then help them make smart decisions about how to allocate their income, whether that’s saving for big-ticket items, putting money away for college or donating to charity. • Review free, online financial education materials together that are geared for school-age children, such as those found at PurchasingPower.com and JuniorAchievement.org. “Purchasing Power has been helping adults learn to manage their money in smarter, more flexible ways for years,” says Richard Carrano, Purchasing Power CEO. “Expanding these efforts to include resources for young people empowers parents to put their kids on the right path in their formative years.” • Seek out community initiatives helping to combat financial illiteracy. For example, Purchasing Power, LLC, a workplace voluntary benefit that allows US workers to buy brand-name products and services interest-free through payroll deduction versus traditional high-interest credit options, partners with Junior Achievement USA, an organization dedicated to giving young people the knowledge and skills they need for economic success. In Atlanta, for example, more than 30,000 middle school students visit the Junior Achievement Chick-fil-A Foundation Discovery Center yearly, where they work with business leaders to learn about real-life financial situations. Together with Junior Achievement, Atlanta corporations including Purchasing Power are supporting a generation that knows how to budget, save and invest. “Financial illiteracy and confusion over money matters is a national problem that won’t be solved overnight,” adds Carrano. “However, families, employers and communities can take proactive steps to raise money-smart kids and foster healthy financial futures.” Children are never too young to learn how to spend responsibly and save for the future. Get started now in your household.

CITIZEN | South End | Week of Aug. 29, 2018

NEWS

Career Coach, Success Mentor, and Speaker, Lakrisha Davis (pictured), recently visited the Chicago Citizen Newspaper to talk about her work and to share some of her tips and tricks for making a career transition. Photo Credit: PosePic Studio/Jasmine Smith

Career Coach Gives Advice On How To Prepare For a Career Change Or Promotion BY KATHERINE NEWMAN

Career Coach, Success Mentor and Speaker, Lakrisha Davis, recently visited the Chicago Citizen Newspaper to talk about her work and share some of her tips and tricks for making a career transition. Not too long ago, Davis found her self in a job that she was not fulfilled by. She made the choice to leave her job without any idea of what might follow that decision and quickly learned the job market had drastically changed since the last time she had been submitting her resume. “I had to really get out there and figure out how to make this work for myself after being at a job for several years and the job market changing right before my eyes. I had to figure out how to make my resume work and pass the Applicant Tracking Systems (ATS). Going on an interview, we can’t any longer go and just say we are looking for a better opportunity, you have to be creative and there is a lot more competition,” said Davis. After navigating all of these unexpected barriers to employment, Davis said she was able to secure a better position than she ever expected and increased her salary by 60 percent. Though finding success for herself, Davis realized that she wanted to teach other people how to do what she had just done. www.thechicagocitizen.com

“What I do is I help mid-career to executive level professionals usually make their career transitions all the way from resume writing and I also offer full service coaching from interviewing, job search strategies, and leveraging LinkedIn which I think a lot of people miss out on opportunities on LinkedIn. Also, I help people that are looking to create their own jobs for themselves, I help them create their own careers from the ground up,” said Davis. For people who have found

themselves at a job they no longer enjoy, Davis recommends developing an exit strategy that could include either organizing your money in a way which makes it possible to take a couple months off to focus on job hunting, or building an after work schedule that focuses on searching for and applying to new positions. “Figure out what your goal is to make this transition, whether it’s three months or six months, and what do you need to do to get there,”

said Davis. “Make a plan for yourself where you can recharge and focus on what’s next. If you have savings already then that works and if you don’t then you have to figure out how to make it work for you.” For those who love their compa-

ny, but see themselves in a higher role, Davis tells people to “consult their leader” and let them know what work they want to do and what position they want to hold. For more information visit www. lakrishadavis.com.

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CITIZEN On The Move

CHRIST UNIVERSAL DEDICATION

Kathy Woodall Dir. GF3 First Lady Sylvia and Pastor Derrick Hill leads the Dedication Services for the Meditation Garden

ST. MARK’S BOYSCOUTS CELEBRATE 50TH

Jerome Simmons mrmagriot@aol.com

Rev/ Helen Carey Associate Minister CUT and Nellie Peterson 95 years young join Pastor Derrick Wells at dedication of Meditation Garden

McDONALDS GOLF OUTTING RAINED OUT

St. Mark’s Boy Scouts celebrate their 50th Anniversary by having a motorcade from its beginings at 50th Indiana to 85th & St Lawrence.

The annual McDonald’s Golf Outing was cut short because of rain, but it didn’t stop volunteers from having fun as they pose with Aldermen Leslie Hairston (5 )and Rod Sawyer (6)

Alderman Leslie Hairston (5) and Rod Sawyer (6) with Cheryl Taylor McDonald's owner at Harborside G.C.

TRIBUTE TO JOSEPHINE “MOTHER WADE” WADE

NBC family with Josephie Wade. L-R David Doebler, Lisa Parker Rob Stafford, Josephine Wade, Siafa Lewis, Marion Brooks, celebrating the achievements of Mother Wade.

L-R. Victor Love, David Doebler ABC TV Everret Rand, Midway Wholesalers, Josephine Wade honoree,Brian Bilthus, Aramark, Larry Huggins Football Classic and Paul Rennie WGN TV.

Mayor Rahm Emanuel addresses SRO audience paying tribute to Josephine Wade. Alderman Carrie Austin (34) and Michelle Harris (8) look on.

CITIZEN | South End | Week of Aug. 29, 2018

*To be eligible for the down payment assistance of 3% of the homeâ&#x20AC;&#x2122;s purchase price, up to $3,600, the property must be in one of the following eligible states: MI, IN, IL, KY, TN, OH, WV, NC, GA, FL and either located in a low Income Census Tract or borrower must meet the low income limit threshold based on the qualifying income per FFIEC website. Down payment assistance may be taxable as income and reported to the IRS. Consult your tax advisor. Not available with all loan products. Loans subject to credit review and approval. Prices and programs subject to change without notice. Fifth Third Mortgage Company, 5001 Kingsley Drive, Cincinnati, Ohio 45227, 1-877-841-7511, an Illinois Residential Mortgage Licensee. Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act and by the N.J. Department of Banking and Insurances. Fifth Third Mortgage Company d/b/a Fifth Third Mortgage Company Incorporated and licensed by the New Hampshire Banking Department. Fifth Third Mortgage is the trade name used by Fifth Third Mortgage Company (NMLS #134100) and Fifth Third Mortgage-MI, LLC (NMLS #447141). Fifth Third Bank, Member FDIC. Equal Housing Lender.

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CITIZEN | South End | Week of Aug. 29, 2018

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CITIZEN | South End | Week of Aug. 29, 2018

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EDUCATION How to Recognize and Avoid College Scholarship Scams (StatePoint) Average college costs have doubled in the last two decades, and this financial pressure along with new technologies makes today’s students particularly

Free, comprehensive scholarship searching and matching services like Fastweb and Cappex will connect you to legitimate, competitive scholarships that don’t charge application fees. Too Good to Be True Be wary of the “too-good-to-be-true” scam model: an official-sounding organization tells you about an incredible opportunity, offers you a coveted spot at a scholarship seminar, or just sends you a check with a note of congratulations, using messaging designed to get your adrenaline pumping and make you act fast. Remember, scholarship providers aren’t in the practice of sending funds out randomly; it’s likely the check will bounce, or you’ll be asked to send money back for “processing” or an “accidental” overpayment. Your safest bet? Tearing up the check and, if you have time, filing a complaint with the Federal Trade Commission. Often unexpected “opportunities” are attempts to get you to divulge personal information. Even clicking on links can expose your data to scammers. Be cautious: Google the name of the scholarship or organization. Scams have often been flagged by the FTC or Better Business Bureau. Social Scammers A new scam making the rounds starts with a random friend request on Facebook, Instagram or Snapchat. Accept, and your new friend will start messaging you about a foolproof way to make money for college: they work for a scholarship provider and have found a loophole. They just need to enter you as a winner and you can split the money. If this was real, it’d be incredibly unethical. However, in the midst of stress, you may be tempted -- and that could cost more than money. While you may be asked to send cash as an advance, most such scammers are phishing. Give them enough info, and you’ll be worrying about getting your identity back. For more scholarship tools, resources and opportunities, including the annual Scholarship America Dream Award, please visit scholarshipamerica.org. “Scholarship scams seem to work just enough for people to keep trying it,” says Ballard. “However, two main rules will help you avoid them: never pay to apply and if it sounds too good to be true, it probably is.” PHOTO SOURCE: (c) Burst __________________________________

Darrell Garth

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William Garth Sr. CEO Emeritus

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12 | CITIZEN | South End | Week of Aug. 29, 2018