South End Citizen 9-18-2019 by CITIZEN NEWSPAPERS

Study finds women at greater risk of depression, anxiety after hysterectomy — Page 3

Citizen Week of Sept. 18, 2019

| Vol. 52 | No. 32 | www.thechicagocitizen.com

SOUTH END

CANDIDATE FOR ILLINOIS SUPREME COURT HOPES TO BE SECOND BLACK JUDGE ELECTED TO SERVE

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Appellate Court Justice Nathaniel Howse Jr., (pictured) is running for election to the Illinois Supreme Court as one of three 1st District judges. Photo credit: Jerome Simmons

FASHION

BUSINESS

REAL ESTATE

Cole Haan Teams Up With Rodarte To Disrupt High Fashion With Innovation

Gaining realworld business experience at UIC’s Starbucks PAGE 4

Check out our real estate listings for important foreclosure information

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PAGES 8-10

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2 | CITIZEN | South End | Week of Sept. 18, 2019

NEWS briefly EDUCATION

U.S. NEWS & WORLD REPORT UNVEILS THE 35TH EDITION OF THE BEST COLLEGES RANKINGS U.S. News & World Report, the global authority in education rankings, recently announced the 2020 U.S. News Best Colleges. Princeton University remains No. 1 among National Universities, while Williams College is once again in the top spot among National Liberal Arts Colleges. This year, public schools in California, Florida and New York excel in enrolling and graduating large proportions of low-income students. Further, the University of California—Los Angeles maintains its spot as the No. 1 Top Public School among National Universities. For more information, visit https://www. usnews.com/best-colleges

HEALTH

6TH ANNUAL HEALTHY CHURCHES 2020 NATIONAL CONFERENCE The Balm In Gilead, Inc. has set the stage again for the only national conference of its kind to bridge faith and public health. As a three-day capacity-building training event, more than 500 influencers from across faith, medical and corporate spectrums are expected to convene in Charlotte, NC for the 6th annual 2019 Healthy Churches 2020 National Conference on Nov. 19-22. The conference takes place at the Sheraton Hotel in downtown Charlotte where some of the nation’s leading public health and faith leaders will forge alliances to strengthen the capacity of faith communities to address the alarming rates of health disparities among African Americans. For registration, hotel and other information, please visit: www.healthychurches2020conference.org

LAW & POLITICS

BLACK MILLENNIALS RANK STUDENT LOAN DEBT, CYBERSECURITY AND CRIMINAL JUSTICE REFORM AS TOP 2020 VOTING ISSUES IN NEW SURVEY Healthcare, immigration, and the state of the economy dominate mainstream conversations on top voter issues in 2020, but new survey data suggests a majority of black millennial voters will choose candidates based on their student loan debt, criminal justice reform, and cybersecurity policy ideas. The survey, completed by Beyond Ideas Group, an integrated public affairs company founded by a former Obama White House and Treasury appointee, received over 400 responses. 94 percent of respondents indicated plans to vote in 2020. When asked about their most critical voting issues in 2020, 57 percent listed student loan debt as the most important economic issue, 36 percent noted criminal justice reform was the most urgent domestic issue, and 59 percent indicated cybersecurity was the most significant international issue.

Candidate For Illinois Supreme Court Hopes To Be Second Black Judge Elected To Serve Continued from page 1 BY KATHERINE NEWMAN

Appellate Court Justice Nathaniel Howse Jr. is running for election to the Illinois Supreme Court as one of three 1st District judges. Howse is running for a seat that was vacated by the retirement of Justice Charles E. Freeman. Before becoming a judge, Justice Howse was a private practice lawyer for 22 years. In 1998, Howse was elected to the Office of Judge of the Circuit Court of Cook County where he served two six-year terms before being assigned, and then later elected to serve as an Appellate Court Justice for the Illinois Appellate Court in 2009. Having been a judge for 20 years now, Howse said that a judge’s perspective on a case is important and that his perspective typically leads him to be sensitive to the underdog. “I think that my perspective is one that is needed on the Illinois Supreme Court,” said Howse. Growing up in Tennessee, Howse said that he remembers living under Jim Crow laws and having to ask his parents why they had to sit in the balcony at the movie theatre when there were

seats available on the main floor. “My parents wanted a better life for themselves and us so we became part of the Great Migration and came to Chicago,” said Howse. “I was able to learn first hand what it means to be an underdog and fight your way up in life.” Being the “underdog” and fighting his way to the top is a story Howse is familiar with both as a kid growing up in the south and as a judge in Illinois. Back in August, Howse lost the endorsement of the Cook County Democratic Party but at that point, he wasn’t giving up. Deciding to stay in the race, he picked up endorsements from Alderwoman Michelle Harris (8th), Alderwoman Stephanie Coleman (16th), Illinois Representative Robert Rita (D-Blue Island), Congresswoman Jan Schakowsky, and Illinois Secretary of State Jesse White. As a judge, he says he’ll listen to both sides. “Before a decision is made, it’s important to make sure that both sides are heard and to interpret the law in a way that makes sense and to try and understand what the legislature was trying to do when that law was passed. That’s what I intend to do,” he said. While the Illinois Supreme Court election isn’t

the most highly publicized race in the upcoming 2020 election, Howse said the reality is that people who vote in the election are more likely to encounter a judge over any other person they are voting for. “Most disputes are resolved in our courts so it’s very important that voters go all the way down the ballot and vote for the judges because those are the people that are going to be making very important decisions about their lives,” said Howse. If elected, Howse will be the second African American to serve on the Illinois Supreme Court. He adds, diversity is important when it comes to fairness in the court system. One of Howse’s opponents, Appellate Judge Cynthia Cobbs, would be the first African American women to serve if elected in the same position. Howse is one of seven candidates running for the open seat in the Illinois Supreme Court’s 1st District. Other candidates include incumbent Supreme Court Justice P. Scott Neville Jr. who was appointed to replace former Justice Charles Freeman upon his retirement, and Appellate Judges Jesse Reyes, Margaret McBride, Sheldon Harris, Cobbs and lawyer Daniel Epstein.

United Airlines Launches Online Campaign for Hurricane Dorian Relief Efforts United Airlines has launched a Crowdrise fundraising campaign for those affected by Hurricane Dorian. Donations will support the airline’s relief partners that provide assistance in the United States and internationally: American Red Cross, Airlink, Americares and Global Giving. United is working directly with these partner organizations, as well as engaging with community leaders to assess disaster impact and provide aid to rebuild affected communities. United will match the first $100,000 raised and provide up to a total of 5 million bonus miles to give to individuals who make donations of $50 or more. “United has a long tradition of stepping forward to assist in supporting individuals and communities impacted by hurricanes, such as Harvey, Irma and Maria,” said executive vice president and chief administrative officer Brett Hart. “After natural disasters, our generous customers, employees and MileagePlus members step forward to ask how they can again support those in need, and we are proud and humbled to facilitate this critical work.” United also works with relief partner Airlink to connect with non-governmental organizations (NGOs) that respond quickly and efficiently in the wake of major

Hurricane Dorian’s destruction in the Bahamas. United Airlines recently launched a Crowdrise fundraising campaign for those affected by the hurricane.

disasters. This past week, United flew more than 25 relief workers, including a team of search and rescue experts from Empact Northwest, to the Bahamas to aid in the most pressing needs identified by the local government. “We can’t thank United enough for allowing us to jump out of the gate right away to aid people dev-

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astated by this storm,” said Airlink CEO Steven J. Smith. “Search and rescue, medical care, temporary shelter, and access to potable water are among the most immediate and pressing needs identified in the region. United’s assistance is critical in ensuring the right type of help quickly reaches those recovering.”

United will continue to work directly with its partner organizations and engage with community leadership to properly address disaster impact and provide assistance to rebuild affected communities. The online campaign platform is currently scheduled to be available for donations through Sept. 30.

CITIZEN | South End | Week of Sept. 18, 2019

NEWS

Study finds women at greater risk of depression, anxiety after hysterectomy Hysterectomy is associated with an increased risk of long-term mental health issues, especially depression and anxiety, according to a cohort study by Mayo Clinic researchers involving nearly 2,100 women. The review of health records from 1980 to 2002 involved women who underwent removal of the uterus but not the ovaries. The study, which used data from the Rochester Epidemiology Project, considered only new diagnoses of depression, anxiety, dementia, substance abuse and schizophrenia after hysterectomy, and excluded women with prior diagnoses. Researchers found an absolute risk increase of 6.6% for depression and 4.7% for anxiety over 30 years, says senior author Shannon Laughlin-Tommaso, M.D., a Mayo Clinic OB-GYN. For women who underwent hysterectomy between the ages of 18 and 35, the risk of depression was higher, with absolute risk increase over 30 years of 12%. “Our study shows that removing the uterus may have more effect on physical and mental health than previously thought,” says Dr. Laughlin-Tommaso. “Because women often get a hysterectomy at a young age, knowing the risks associated with the procedure even years later is important.” Dr. Laughlin-Tommaso says several treatments for benign gynecological conditions are available that would allow a woman to avoid hysterectomy. “Those alternatives should be tried before going to hysterectomy, especially at a young age,” she says. The study is one of two Mayo Clinic studies published online by Menopause: The Journal of the North American Menopause Society. These studies examine the association between hysterectomy

Udi’s Hamburger Buns 10oz

Hamburger Buns Recalled Due To Potential Presence Of Foreign Material

Hysterectomy is associated with an increased risk of long-term mental health issues, especially depression and anxiety, according to a cohort study by Mayo Clinic researchers involving nearly 2,100 women.

with or without removal of the ovaries and women’s mental health. The second study, also based on data from the Rochester Epidemiology Project, finds that women who had both ovaries removed without an indication of malignancy were more likely to have preexisting mood disorders, anxiety disorders or other less common psychological disorders. The study examined the health records of 1,653 premenopausal women who had their ovaries removed at the time of hysterectomy, most to avoid or minimize the risk of ovarian or breast cancer. Researchers identified several psychiatric conditions that may have influenced women to decide to request surgery, or a primary care doctor or gynecologist to endorse or suggest surgery. “We can say that psychological conditions may have played an important role

in the decision to perform hysterectomy, with or without removal of the ovaries,” says Walter Rocca, M.D., a Mayo Clinic neurologist and epidemiologist. “Understanding the psychiatric conditions that may have influenced the past practice of hysterectomy is important for developing more conservative strategies in the future.” Dr. Rocca is senior author of the study. The Rochester Epidemiology Project is a collaboration of health care centers in Minnesota and Wisconsin that gathers information from health records of participating community members for research purposes. The project is led by researchers from the Mayo Clinic Department of Health Sciences Research and the Mayo Clinic Robert D. and Patricia E. Kern Center for the Science of Health Care Delivery’s Population Health Science Program.

Conagra Brands is voluntarily recalling a limited quantity (approx. 2,200 cases) of Udi’s Classic Hamburger Buns due to the potential presence of small pieces of white plastic. The company discovered the issue which occurred when a dough scraper was inadvertently incorporated into the production process for a small amount of the product. The product covered by this recall was distributed for retail sale in the U.S. The specific product information is listed below. No other Udi’s or Conagra Brands products are impacted by this recall. Item Description UDI BUN CLSC BRGR 8/10.4Z Case UPC 10-6-98997-80913-2 Item UPC 00-6-98997-80913-5 Bag Closure Code 191971U The recalled product is sold in clear plastic bags and the UPC is located on the back of the bag in the lower right corner. The bag closure code can be found on the hard plastic closure for the bag. Consumers who have purchased this product are advised not to consume it and to either throw it away or return it to the store where originally purchased. There have been no reports of injuries due to consumption of this product to date. Conagra Brands has informed the FDA of this recall and is working with customers to ensure the impacted product is removed from store shelves and is no longer distributed. Consumers with questions should call the Conagra Brands Consumer Care team at 1-800-881-3989, open 9 a.m. through 5 p.m. CT, Monday through Friday.

COMMENTARY

In Cybersecurity, Decentralization and Diversity are Strength BY THOMAS L. KNAPP

The US Department of Homeland Security’s Cybersecurity and Infrastructure Security Agency (CISA), the New York Times reports, fears “ransomware” attacks against America’s voter registration systems in the run-up to the 2020 presidential election. In response, it’s launching a program that “narrowly focuses” on protecting those systems. A laudable goal, to be sure, but should we accept the premise? It goes almost without saying that CISA, created only late last year, is casting about for ways to justify its existence and its $3.3 billion annual budget. Is

this a real problem? And is CISA the organization to solve it? Yes, “ransomware” and other types of cyberattacks are real problems. They threaten the integrity of any computer systems they target, which means any systems connected to the Internet or even accepting data from external sources like potentially contaminated flash drives (most early microcomputer viruses reached their targets when users inserted contaminated floppy disks; no Internet needed). On the other hand, the federal government’s track record on securing its own systems, let alone anyone else’s, is remarkably poor. Millions of Americans have had their personal

information exposed in hacks of the Office of Personnel Management and other government agencies. And on the third hand, the worst way to respond to a diffuse set of threats against a large number of systems is to centralize that response, especially in terms of requiring or encouraging the operators of all those systems to adopt the same systems and the same security measures. Suppose that every front door of every building in the world was secured by one model of lock, made by one company. A flaw in that model of lock would be a flaw in every front door. Anyone who could exploit that flaw at a building down the street or www.thechicagocitizen.com

across the country could exploit that flaw at your house too. Or suppose that every variety of vegetable had one genetic weakness that allowed a particular blight to infect it. Once that blight hit your neighbor’s tomatoes, it could easily jump to your bell peppers and your neighbor’s cucumbers. The world’s computing power is already far less diverse than you might think. It’s dominated by a few processor architectures, a few operating systems, a few server software packages, a few browser engines. That’s convenient, even necessary, to the increasingly automated and interconnected world we’ve created over

the last 30 years or so. But it’s also a source of vulnerability -- vulnerability we shouldn’t compound by centralizing cybersecurity solutions under a federal agency’s leaky umbrella. Our state and local election systems are safer to the extent that an attacker has to find 50 or 500 different ways to hack 50 or 500 of those systems, instead of one way to hack them all. Thomas L. Knapp (Twitter: @thomaslknapp) is director and senior news analyst at the William Lloyd Garrison Center for Libertarian Advocacy Journalism (thegarrisoncenter.org). He lives and works in north central Florida.

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BUSINESS

Gaining real-world business experience at UIC’s Starbucks University of Illinois at Chicago business majors Safaa Sarefian, Rosemary Arevalo and Matt Carey are quickly learning that top-shelf brands like Starbucks will attract crowds from sunup to sundown — and if any entrepreneur is to succeed, he or she must be ready for them. The seniors are involved in helping run the new Starbucks store in the Academic and Residential Complex, which opened to students this fall. The Starbucks store, which celebrated its grand opening Sept. 3, is located near the intersection of Harrison and Peoria streets. Alexandre da Silva, associate vice chancellor for student affairs, said he hoped students would take advantage of the opportunity to frequent the coffee shop and that it is a special partnership with the College of Business Administration. He pointed to the role it will have on campus, saying that it represents a “visionary approach” by Vice Chancellor for Student Affairs J. Rex Tolliver. “What is really special about this particular store is not only the national brand that we all recognize but the ingredients of having a staff that is, in its vast majority, students of UIC,” da Silva said. Sarefian, Arevalo and Carey are part of the inaugural group who are

UIC students Matt Carey (from left), Rosemary Arevalo and Safaa Sarefian at the grand opening of the Starbucks in the Academic and Residential Complex at UIC. Photo Credit: Jenny Fontaine

working at the coffee shop as part of an independent study program focusing on entrepreneurship. Most of the workers, except for the manager and assistant manager, are students. As part of their course load this semester, the students in the independent study program were involved in helping set up the store from the very beginning and had a hand in everything from hiring new

staff to helping manage the day-today operations. “Every day, from 7 in the morning until 6 at night, it’s just a nonstop line out of the door,” said Carey, a student in information and decision sciences from Aurora. Charles Farrell, executive director of business development for UIC, said the aim of the endeavor is to provide a “real-life” business situation for

students, warts and all. Students were brought in during the spring semester to begin preparing for the opening. They took part in on-site training in the new store by Starbucks trainers. They also were involved in hiring a full-time manager and assistant manager. The students in the independent study program have and will continue to help the manager and assistant manager train new baristas as they get hired. The students quickly realized that running a store can be difficult — especially with staffing. “That’s part of management too — you hire someone and you think, ‘That’s wonderful; I’m done,’ and then they quit, and you’re like, ‘Oh no,’” Farrell said. “That’s the whole point of all this, rather than sit in a classroom or being taught in a theoretical way by someone who

owns a business, they’re right in there seeing the good, the bad and the ugly of what being an entrepreneur is all about — it’s not easy.” That’s what appealed to Sarefian, a marketing major from Skokie. Eventually, he wants to start his own business, but he knew the best thing for him before he got to that point was to learn how to start a business from scratch. “I believe it’s great exposure to the real world; it’s part of a class, yet we get to interact with real situations, problems and we get to solve them,” Sarefian said. Farrell said that one key takeaway that he hopes students are left with is that entrepreneurs must be flexible and creative problem-solvers. Even though the Starbucks brand is among the strongest out there, there will always be problems. “That’s why this is such a good lesson for these folks; you really couldn’t pick a stronger brand right now than Starbucks, and then they see all of the challenges — we’ve had staffing challenges, we’ve had equipment challenges…that’s part of the learning for the students,” Farrell said. And even though Arevalo, a business administration major from Chicago, has been involved in the hard work so far, she said she’s still focused on starting her own business and maybe even competing against Starbucks after she graduates. “I love the entrepreneurship process of how to create a business, how to open your own business, and I feel that this is the best opportunity for me,” she said. “My dream is to open a business in the coffee industry to export coffee to the United States and open my own brand.”

DOI Helps Illinois Life Insurance Consumers Collect More than $15 Million in 2019 The Illinois Department of Insurance can help you find out if you’re owed a portion of the millions of dollars in life insurance benefits that go unclaimed every year. So far in 2019, IDOI has helped consumers find and collect more than $15 million from lost or unclaimed life insurance policies. According to a press release, an estimated 1-in-4 life insurance policies go unpaid when an insured person dies because family members aren’t aware a policy exists, don’t know which company issued it, or can’t find the paperwork. It’s already the law in Illinois that insurance companies must attempt to locate the beneficiaries of deceased policyholders when life insurance

proceeds remain unpaid, but IDOI makes it simple for consumers to search on their own. Here in Illinois, you can check for unclaimed life insurance policies at these sites: • IDOI: https://insurance.illinois. gov/Applications/LifePolicyLocator/ • Illinois State Treasurer: https:// icash.illinoistreasurer.gov/ • National Association of Insurance Commissioners (NAIC) Life Insurance Policy Locator: https://eapps.naic.org/life-policylocator/#/welcome If you need additional assistance, please contact the Illinois Department of Insurance at DOI.LifePolicyLocator@ illinois.gov or call (866) 445-5364.

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CITIZEN | South End | Week of Sept. 18, 2019

Chicago Football Classic 2019 Game Day Highlights Community Children Afforded Opportunity To Attend The 2019 Annual Football Classic At Soldier Field

Ashanti Boone of PNC

Tiffany Marshall family and neighborhood children show off their tickets while saying "thank you" to the Citizen Newspaper for making it possible for them to attend the 2019 College Football Classic. Photo by: Fannie McCullough

lds Trustee lympia Fie Photo by O , tz a M J. s. Cassandra issioner Debra Sim m D D with Com CRE

It was all smiles in the ComEd Suite during the Chicago Football Classic. Pictured left to right are: Cory Foster, ComEd, Angel Prez, ComEd, Melissa Washington, ComEd and Michael Fountain, Ambassador to Bahamas. Photo by CREDD

A few members of the Wendell Phillips High School Football Team pose saying "thank you" to Citizen Newspaper for making it possible for us to attend the game. "It was super!" Photo: Fannie McCullough

The Wendell Phillips Band with its Band Leader Ms. Toni Elliott saying "thank you" to The Citizen Newspaper for making it possible for them to attend the game. For some of them it was the first time being in Soldier Field! Photo by: Fannie McCullough

Wendell Phillips High School students saying "thank you" to The Citizen Newspaper for making it possible for them to attend the 2019 Hampton Vs. Howard College Football Classic. Photo by Fannie McCullough

Mayor Lori Lightfoot poses for a photo with CFC Game goers! Photo by CREDD

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FASHION For Online Reviews, Shoppers Believe a Pretty Face

Cole Haan Teams Up With Rodarte To Disrupt High Fashion With Innovation Cole Haan, the iconic American lifestyle brand and retailer has announced its collaboration with famed, independent fashion house Rodarte. Laura and Kate Mulleavy, the sisters behind Rodarte, have put their signature aesthetic on Cole Haan’s groundbreaking Grand Ambition collection that sets a new standard for women’s dress footwear and handbags. Cole Haan and Rodarte have come together to tell a story of two brands united by a common desire for continuous innovation. “The ethos of Cole Haan speaks to everything that we do. When you’re designing, it’s always about innovating and trying to think outside the box to create something new and create a dream that you take people into,” says Kate Mulleavy, co-founding designer of Rodarte. September marks the first collection of the collaboration, with Grand Ambition silhouettes including Pumps, Booties, Shoeties, Slip-On Sneakers, Satchels and Circle Bags, all incorporating pops of True Red, Bubblegum Pink, Optic White and Black colorways in addition to embossed croc leather, neoprene and lace detailing. Cole Haan’s breakthrough engineering combined with Rodarte’s high-fashion design makes for a bold collaboration for extraordinary women. “We wanted to collaborate with Cole Haan because they are such an innovative company that really values the same things we do in terms of design and pushing the boundaries of what is expected in the landscape of fashion. We

were really impressed by the level of innovation that Cole Haan infuses into their product in order to deliver unparalleled comfort,” notes Laura Mulleavy, co-founding designer of Rodarte. In true Rodarte evolution, the November collection features a romantic and soft color palette applied to Cole Haan’s Grand Ambition Bootie, Lace-Up Sneaker, Circle Bag and Bucket Bag styles. Each silhouette is embellished with perforated hearts, while the Bucket Bags are adorned with playful bows, just in time for the holiday season. All footwear styles utilize Cole Haan’s GRANDFØAM technology for superior comfort and flexibility, while the Grand Ambition handbags provide ultimate functionality, perfect for pairing together or even doubling up. “When Cole Haan set out to create this revolutionary women’s collection, we knew we had to partner with Rodarte. Kate and Laura’s independent spirit is singular in the world of fashion. In their capable hands, Cole Haan and Rodarte, together, have delivered an alchemy that blends beauty and engineering in a way that hasn’t been achieved before,” adds Cole Haan’s Chief Marketing Officer & GM of Business Development, David Maddocks. The Cole Haan x Rodarte capsule collection is available on ColeHaan. com and in US and select international Cole Haan stores with additional styles launching in November. The collection is priced from $190-$240 for footwear, and $248-$398 for handbags.

Kate and Laura Mulleavy, Founding Designers of Rodarte

Cole Haan x Rodarte Circle Bag in Bubblegum Pink, $258 and Pump (75MM) in Black - Bubblegum Pink - True Red, $200

Cole Haan x Rodarte Pump (75MM) in White Croc Print - White Lace, $200

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Beauty is truth – or at least, that’s what consumers sifting through online reviews seem to think. New Cornell University research has found that people are more inclined to be swayed by positive recommendations posted online by attractive reviewers. The finding – consistent with ample research showing that, in real life, beautiful people are believed to be more intelligent, likable, competent and trustworthy – has implications for marketers or social media managers seeking to save us from making superficial judgments. “You have to teach people to be more mindful of what’s written in the review than the picture that’s next to it,” said Marie Ozanne, assistant professor of food and beverage management in the School of Hotel Administration and first author of the study. Around 92% of online shoppers read online reviews before placing orders, and consumers are 23 times more likely to trust customer-generated content than marketer-generated copy, market research has found. Yet few studies have explored how real-world biases impact our online interactions. “More often than we think, we are replicating our offline behavior online, and we don’t know the impact of all our general offline thinking on our online thinking,” Ozanne said. “Hopefully, understanding it can help us be more conscious about it and find ways to focus more on the information that matters.” Though consumers were more influenced by positive reviews by attractive people than those posted by less-attractive people, the same did not hold true for negative reviews. This, Ozanne said, is likely because negative reviews require people to think more deeply about their decisions, and once they are thinking more carefully, unconscious cues such as the attractiveness bias become less persuasive. The study also found that the gender of the reviewer didn’t impact the attractiveness bias. To conduct the study, the researchers used a photo-editing tool to modify profile pictures of seven men and seven women, chosen from a database. They asked 119 adults, via crowdsourcing, to evaluate the physical attractiveness of each of the people on a scale of 1-10. They then used the modified pictures to accompany an array of positive and negative reviews of a midrange hotel, taken from a Facebook fan page and given a fake name. In two separate studies, around 600 people were asked to answer survey questions about the hotel after reading reviews from attractive and less-attractive posters. They found that people had a higher opinion of the hotel when the positive review was written by an attractive reviewer, despite the presence of negative reviews. Ozanne suggested social media sites could add language reminding people to focus on the content of a review. This could cause them to think more deeply about it, potentially counteracting the bias. The paper “Are Attractive Reviewers More Persuasive? Examining the Role of Physical Attractiveness in Online Reviews,” published in July in the Journal of Consumer Marketing and was co-authored with Stephanie Q. Liu of Ohio State University and Anna S. Mattila of Pennsylvania State University.

CITIZEN | South End | Week of Sept. 18, 2019

NEWS

Tackling the Housing Affordability Crisis StatePoint - As housing prices soar nationwide, a growing number of Americans are unable to find affordable housing. Experts say that the problem has reached a crisis point, and is harming the welfare not only of individuals and families, but of communities and the economy at-large. Since 2012, housing prices have increased by 53 percent, according to the Federal Reserve Bank of St. Louis. Unfortunately, salaries have not kept pace. The Joint Center for Housing Studies at Harvard University reports that 18 million Americans commit more than 50 percent of their income toward a safe place to live. America needs 7 million units of affordable housing, according to a March 2019 National Low Income Housing Coalition report, which also found that no state has enough affordable rental inventory. “America’s housing affordability crisis isn’t restricted to cities on the East and West coasts. Families in rural, suburban and urban areas in all 50 states are sacrificing necessities like food, healthcare and education in order to make rent or mortgage payments,” says Brandee McHale, president of the Wells Fargo Foundation. “Only when people can afford to live in their neighborhoods can communities thrive.”

America needs 7 million units of affordable housing, according to a March 2019 National Low Income Housing Coalition report, which also found that no state has enough affordable rental inventory.

Recognizing the extent of the problem, non-profits, think tanks and corporations are stepping in to find solutions that will unlock housing options for more Americans and reduce the cost burden of housing. One largescale effort underway is being spearheaded by Wells Fargo and the Wells Fargo Foundation. Drawing on its resources and expertise, the company is working in collaboration with public- and private-sector organizations to

develop and implement new solutions in communities of need, and is committing a $1 billion philanthropic investment through 2025. The $1 billion will be used to address multiple facets of the U.S. housing affordability crisis, including homelessness, available and affordable rentals, transitional housing and homeownership. Beyond this commitment, programs that increase financial literacy among individuals and create small business growth

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for local entrepreneurs round out an overall strategy to help people and communities find more financial stability. This new philanthropic strategy comes on the heels of previous efforts designed to secure affordable housing for more Americans. Since 2012, Wells Fargo has provided charitable grants for homebuyers and homebuyer education through its philanthropic NeighborhoodLIFT, and other LIFT programs in collaboration with NeighborWorks America, creating more than 22,000 homeowners -- the majority from low- and moderate-income households -- through over $475 million in down-payment assistance grants. In addition, 10-year lending commitments are in place to help more than 170,000 African American and Hispanic individuals purchase homes. “Financial stability starts with a place you can afford to call home, but to help more people find that, it’s going take all of us looking more holistically at the spectrum of housing needs,” says McHale. As markets all over the country struggle with high housing prices, policymakers, advocates, philanthropists and non-profits will need to work together to find long-term solutions that will help millions of Americans meet their most basic needs.

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10 | CITIZEN | South End | Week of Sept. 18, 2019

CITIZEN | South End | Week of Sept. 18, 2019

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

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

MOTORCYCLES

TOP CASH PAID! FOR OLD MOTORCYCLES! 1900-1980 Dead or Alive 888-800-1932 or 920-371-0494 __________________________________

SERVICE

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

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

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Janice Garth

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WHAT TO KNOW ABOUT FINANCIAL PLANNING CAREERS (StatePoint) Considering a career in financial planning? Those in the industry point out that financial planning provides opportunities to chart one’s own path, maximize growth potential, and maintain work-life balance. Whether you strike out on your own or work at a firm, big or small, here’s what to know about some of the most common employers of Certified Financial Planner (CFP) professionals: • Registered Investment Advisory (RIA) firms. At RIAs, financial planners generally provide investment advice to, and manage the portfolios of, clients with high net worth. • Wirehouses. These are full-service broker dealers that typically sell investment products to clients and provide varied services, including retirement planning and tax advice. • National and regional broker dealers. These firms offer similar services as wirehouses, but tend to be smaller. Those working there may buy and sell stocks, bonds, mutual funds or other financial products on behalf of their clients or for their own firm. • Insurance broker dealers. Financial planning professionals at these firms, which are often owned by an insurance company, generally sell insurance products that are securities, such as variable annuities. • Independent broker dealers. Many financial planners advise clients as independent contractors, rather than as a firm’s employee. • Banks. Those affiliated with a specific bank will advise that institution’s customers. • Self-employment. Roughly one in five personal financial planners opted for ultimate freedom and flexibility and were selfemployed in 2016, according to the Bureau of Labor Statistics (BLS). Firm-specific career paths also provide opportunities for CFP professionals to grow from aspiring advisors into professionals who lead client relationships and financial planning teams. While these career paths vary somewhat by firm, they tend to follow a five-step progression: 1. Analyst. The entry-level position for CFP professionals. 2. Associate Advisor. These CFP professionals draft financial plans and develop analyses to be presented by the firm’s lead professionals. 3. Service Advisor. Many firms require CFP certification for this position, which

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focuses on communicating with clients and responding to their needs. 4. Lead Advisor/Managing Director. Those in this role strategically manage client relationships, develop and implement a service methodology and guide clients through important financial planning decisions. 5. Principal/Partner. At this level, CFP professionals generally manage large teams of advisors and are responsible for their development; serve premier firm clients; contribute to firm growth; and have executive-level responsibilities. Whatever option you choose, a financial planning career gives you the opportunity to make a difference in the lives of the people and families you serve, while building your own future. The BLS reports that financial planners earn a median pay of $89,000, and that jobs within the financial advisory industry will grow by 15 percent between 2016 and 2026, meaning that financial planning presents long-term career opportunities. A detailed guide to financial advisory career paths is available at:CenterforFinancialPlanning.org/CareerP aths. To learn more about how to become a CFP professional, visit cfp.net/become. Before embarking on a financial planning career, get acquainted with the field to learn more about all the opportunities available. __________________________________

Managing Your Money Smart Ways To Save For Your Future (NAPSI)—According to the Federal Reserve Board, four in 10 adults, if faced with an unexpected expense of $400, would either not be able to cover it or would cover it by selling something or borrowing money. If you’re ever among them, or the 78 percent of American workers who live paycheck to paycheck, you can assist yourself. It can pay to consider these six hints that can help you save: 1. Know your numbers. Keep track of

where you spend your money. Include groceries, gas, utilities, entertainment, housing and debts. 2. Make tough choices. Distinguish between things you need (utilities, debt payments and rent) and things you want (vacations, eating out). Subtract what you have to spend on “needs” from your monthly income to determine what you have left for “wants.” 3. Pay yourself first. Have a percentage of each paycheck routed automatically into your savings account. Saving needs to be a priority—consider it a “need.” 4. Expect the unexpected. No matter how well you budget, life may throw the unexpected at you.

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SOUTH END

Washington Heights, Roseland, Rosemoor, Englewood, West Englewood, Auburn-Gresham, Morgan Park, Maple Park, Mt. Vernon, Fernwood, Bellevue, Beverly, Pullman, West Pullman, West Pullman, Riverdale, Jeffrey Manor and Hegewisch.

SOUTH SUBURBAN Serves communities in Harvey, Markham, Phoenix, Robbins, Dixmoor, Calumet Park, Blue Island, South Holland, and Dolton. Shopping- their favorite pastime!

HYDE PARK

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CHICAGO WEEKEND

5. Keep your stuff in shape. Similarly, keeping major appliances and vehicles in good condition can help you save.

Chicago Westside Communities, Austin and Garfield Park

6. Comparison shop for financial products. Take the time to compare insurance policies, bank accounts, savings accounts and credit cards. For instance, there’s the new Unlimited Cash Back Bank Account, by Green Dot Bank. With this account, Green Dot pays its cardholders a 3 percent cash back bonus when they make online or in-app purchases. People spend lots of money online at various websites and buy through apps, such as ride sharing, video streaming and meal delivery services, so getting an additional 3 percent cash back on the things you normally buy anyhow can add up. What’s more, you can earn 3 percent annual interest when you save your money in the Green Dot Bank High-Yield Savings Account (Member FDIC)—higher than what many banks pay in annual interest. It’s free with the app and the interest earned is automatically added to your annual Cash Back Bonus amount.

Bloom Township, Chicago Heights, Flossmoor, Ford Heights, Glenwood, Homewood, Lansing ,Lynwood, Olympia Fileds, Park Forest, Sauk Village, South Chicago and Steger

To sign up for the account or learn more about it, go to the Green Dot app or www.GreenDot.com. __________________________________

SUBURBAN TIMES WEEKLY

Citizen Newspaper Group Inc., (CNGI), Publisher of the Chatham-Southeast, South End, Chicago Weekend, South Suburban and Hyde Park Citizen and Citizen Suburban Times Weekly. Our weekly publications are published on Wednesday’s (publishing 52 issues annually). Written permission is required to reproduce contents in whole or in part from the publisher. Citizen Newspaper Group, Inc. does not assume the responsibility for nor are we able to return unsolicited materials, therefore they become property of the newspaper and can or will be discarded or used at the newspapers disgratation. Deadlines for advertising is every Friday at noon. Deadlines for press releases are Thursdays at 10 am prior to the next week’s edition. Please send information for the calendar at least three weeks prior to the event. Send to: editorial@thechicagocitizen.com. For more information on subscriptions or advertising, call us at (773) 783-1251 or fax (872) 208-8793. Our offices are located at 8741 South Greenwood Suite# 107, Chicago, Illinois 60619.

12 | CITIZEN | South End | Week of Sept. 18, 2019

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