VOCATIONAL SKILLS PROGRAM OPENS ON
WEST SIDE
Eden Career Institute (ECI) recently celebrated the opening of its faith-based vocational skills program. ECI is the vision of Dr. Bill Winston, Founder and Senior Pastor of Living Word Christian Center, which is located in Forest Park, Ill. Winston, an advocate of the Booker T. Washington model of providing people with indispensable skills that will enable them to be purposeful in their communities, on the job and in their families, wanted to provide vocational skills training to people in the Chicagoland area.
Dr. LaShondra Kyle is the Executive Director of
MANLEY VISITS NHBW JOLIET HEADQUARTERS ON 4TH ANNUAL COMMUNITY DAY
ROMEOVILLE, Ill. – On Saturday, Sept. 12, state Rep. Natalie Manley, D-Joliet, visited the National Hook-Up of Black Women (NHBW) Joliet’s 4th Annual Community Day and received a tour of their building. Outside, members of the community could access voter registration, health, job, and legal services, alongside food and children’s activities.
Manley viewed NHBW’s library and learned about the Male Associate Arm’s “Real Men Read” program. This program allows men to volunteer to be positive role models by sharing the benefits of reading with children.
“NHBW’s dedication to improving children’s literacy is crucial, especially in a time when picking up the iPad or phone and watching videos is so much easier than reaching for a book,” said Manley.
Manley also viewed NHBW’s expanded Project 100 Food Pantry, which provides the local community with free food distribution on the 2nd and 4th Tuesday of the month at their 1705 Richards St. location. “Thank you to Chapter President Debra Upshaw, National President and CEO Bettye Gavin, and all of NHBW Joliet for another successful Community Day and their unwavering dedication to the community,” said Manley.
EARLY VOTING IS NOW OPEN IN DOWNTOWN CHICAGO FOR THE NOVEMBER 5 PRESIDENTIAL GENERAL ELECTION
Early Voting for the November 5, 2024 Presidential General Election is now open in Downtown Chicago at the Voting Supersite (191 N. Clark) and Chicago Board of Elections Offices (69 W. Washington, 6th Floor).
Through October 27, these two sites will be open Weekdays from 9 a.m. to 6 p.m.; Saturdays from 9 a.m. to 5 p.m.; and Sundays from 10 a.m. to 4 p.m. From October 28 through November 4, these two sites will be open for an extra hour on Weekdays from 9 a.m. to 7 p.m., with the same hours for weekends. The Supersite will be open on Election Day (Nov. 5) from 6 a.m. to 7 p.m.
Early Voting in all 50 Wards in Chicago will begin on Monday, October 21 at 9:00am through Election Day (Nov. 5). All 50 Ward Early Voting sites will also be open as vote centers on Election Day from 6 a.m. to 7 p.m.
“Now that there are 33 days until the Presidential Election, we urge Chicago voters to make a plan to vote now. Any voter in Chicago can now come downtown to vote early, if they want to get a head start on their civic duty,” said Marisel Hernandez, Chairwoman, Chicago Board of Election Commissioners.
Voters can still apply to Vote By Mail for the upcoming election, as well as apply online to join the Permanent Vote By Mail Roster and receive their ballot ahead of their preferred elections. Vote By Mail applications remains open until 5 p.m. on Oct. 31.
Vocational Skills Program Opens On West Side
Continued from page 1
BY TIA CAROL JONES
Eden Career Institute has online and onsite apprenticeship programs. The onsite apprenticeship program will take place at mHUB, located at 1623 W. Fulton St., in Chicago, Ill. Those programs include advanced manufacturing, construction trades and clean energy trades. The online programs include professional development – resume assistance, conflict resolution training, time management skills training and certification for HR generalist, cybersecurity, bookkeeping and network security. Web design, graphic design, and allied health training – medical and billing clerk certification. In all, ECI has about 45 different certification programs for people to choose from.
Dr. LaShondra Kyle, Executive Director of Eden Career Institute, said with a focus on clean energy jobs, there is a demand for workers to be trained to fill those jobs, which makes the training ECI provides timely and important.
having a faith-based, faith-centered career institute allows for thinking about the whole student, not just about providing skills training.
Because they focus on the whole student, ECI looks at the needs of the student, their needs like housing, transportation, mental health and wellness. The goal is for the student grow as a person along their journey of life.
“This seemed like an opportune time to create a vocational institution that would provide the workplace development needs and workplace training for companies and entities that need tradesmen and tradeswomen today,” Kyle said.
Kyle said ECI, like Joseph Business School, is separate, but Living Word Christian Center is the parent. Kyle said that ECI is a faith-based organization with God first and a servant attitude towards the students and the community. Kyle said the benefit of
“I believe that makes us different, because we’re looking at moving you forward in life, to not just get better for yourself, but so you leave a lasting legacy for your family. We’re trying to give you dignity of work and build your character, not just your skillset,” Kyle said.
As the Executive Director, Kyle’s vision is that ECI would be a viable choice for people in the Chicagoland area and to be included in the conversations of people’s options when considering what they want to do in life. She also wants ECI to be a consideration for people who are making a transition in life. Kyle said the name Eden was chosen, with the hope that people would come, grow and become better. She wants to see the students who participate at ECI to not only graduate, but to be retained in their employment, as well as have them refer their friends and family to ECI.
Kyle wants ECI to serve the community in ways that will benefit them and have them share their good experience with others. She reiterated that Winston wants ECI to be a place of growth, while serving them and providing opportunities for people to change their lives and their situations.
For more information about Eden Career Institute, visit https://edencareerinstitute.com.
CONGRESSMAN DANNY K. DAVIS ANNOUNCES $95 MILLION INFRASTRUCTURE INVESTMENT FOR I-290/IL-171 INTERCHANGE PROJECT
Maywood, IL – Congressman Danny K. Davis proudly announced a $95 million investment aimed at upgrading the I-290 and IL-171 (1st Avenue) interchange to a modern Single Point Urban Interchange (SPUI), enhancing transportation efficiency and safety in the area. Mayor Nathaniel Booker, Maywood, trustees, community leaders and clergy joined the press conference.
The project, scheduled to begin in 2025, will significantly alleviate traffic congestion, improve pedestrian safety, and address persistent stormwater management issues in Maywood and surrounding communities.
At a press event held outside the Eisenhower Building on 1st Avenue in Maywood, Congressman Davis emphasized the importance of this infrastructure investment:
“This project is about more than road construction. It’s about safety, efficiency, and improving the quality of life for our residents,” said Congressman Davis. “By upgrading this outdated interchange, we will reduce congestion and flooding risks, while making the commute safer and smoother for everyone.”
In addition to traffic flow improvements, the project
will include the installation of signalized intersections at Van Buren Street and Maybrook Drive, along with stormwater infrastructure upgrades designed to mitigate flooding and lower roadway maintenance costs.
Congressman Davis extended his gratitude to President Biden, Vice President Kamala Harris, and his colleagues in Congress for their efforts to secure this vital funding, which is part of a broader effort to improve transportation infrastructure in the 7th Congressional District.
The $95 million project is a critical step forward in ensuring safer roads and a more resilient infrastructure for the people of Maywood and surrounding areas.
Key Facts:
- Project: I-290/IL-171 Interchange Upgrade
- Investment: 2025: $90,000,000
2026: $5,589,533
- Location: 1st Avenue and I-290 Interchange, Maywood, IL
- Benefits: Traffic congestion reduction, pedestrian safety, stormwater management improvements
Eden Career Institute provides faith-based vocational skills training to people across the Chicagoland area. EDEN CAREER INSTITUTE.
COOK COUNTY LAND BANK AUTHORITY REDEVELOPS 2,000 VACANT AND DISTRESSED PROPERTIES
CHICAGO—The Cook County Land Bank Authority (CCLBA) celebrated the completion of its 2,000th redeveloped property in Cook County in the 8500 block of S. Peoria Street, a 4-bedroom, 4-bath single family home in Chicago’s Auburn-Gresham neighborhood. The 4,500-square-foot Victorian home, originally built in 1890 and acquired by CCLBA in 2019, was purchased from the Cook County Land Bank Authority in 2021 and rehabbed by local developer Tytus Henry.
Working with the YouthBuild and Bridge to Construction programs through Metropolitan Family Services, Henry mentored several young people throughout the construction process. Bridge to Construction is a pre-apprenticeship program, and
YouthBuild is an innovative alternative education program for individuals ages 18 – 24, providing education and occupational skills to prepare unemployed individuals to obtain jobs with good wages. Henry taught the group valuable skills such as measuring, framing, painting, drywalling and electrical. Today, three of the individuals he mentored work for Henry’s Lion Heart Construction, and one program participant went on to start her own tiling company.
“It fills me with pride to achieve this accomplishment of 2,000 completed rehabs across Cook County, thanks to the collaboration of talented developers, nonprofits, small business owners, homebuyers and government partners that share our vision,” said Jessica Caffrey, Executive Director of the Cook County Land Bank Authority. “In just 10 years, the Land Bank has achieved enormous impact on Cook County through increased home values, property tax revenue, jobs creation, small business growth and community revitalization, and this beautiful Victorian home in Auburn Gresham adds to that impact.”
The Land Bank recently released a 10-year economic impact report, which found that CCLBA activity has generated $58.1 million in property tax revenue and created more than 1,400 jobs in the first 10 years of its operation. To date, CCLBA rehabbed properties are worth more than an estimated $258 million.
as well as the legacy of discriminatory housing policies such as redlining and contract buying. The Cook County Board passed a resolution sponsored by President Toni Preckwinkle and Commissioner Bridget Gainer to establish a land bank with the mission of acquiring, holding and transferring properties throughout Cook County to promote redevelopment and reuse of vacant, abandoned and tax-delinquent properties. The Land Bank would also support targeted efforts to stabilize communities; stimulate residential, commercial and industrial development.
“We created the CCLBA to address the problem of vacant and tax-delinquent properties in Cook County communities, and in a short amount of time the benefits have exceeded our expectations,” said Cook County Board President Toni Preckwinkle. “CCLBA activity has delivered $9.77 in economic benefits for every $1 of public-private partnership spending. In Land Bank properties around the county, families are becoming homeowners, nonprofits are expanding and businesses are launching — and that adds up to enormous economic change.”
Key Insights for Families That Are Navigating Dementia and Driving
As Alzheimer’s progresses, driving can become increasingly unsafe for those affected. Recognizing the signs and planning for the future can make this challenging transition smoother for everyone involved.
The Importance of Early Conversations
Discussing driving retirement before it becomes urgent is crucial. Acknowledge the emotional weight of this conversation, as many individuals view driving as a key component of their independence. It’s essential to express empathy while prioritizing safety—for both the driver and others on the road.
Tips for Starting the Conversation:
• Express Concerns: Openly share your worries while focusing on positive alternatives.
• Show Support: Reinforce your love and commitment, even in tough discussions.
• Engage Professionals: Involve a physician who can provide an objective perspective and may write a letter advising against driving.
• Seek Third-Party Evaluations: Consider assessments by occupational therapists specializing in driving rehabilitation.
If the conversation becomes contentious, remain patient and understanding. Emotional responses are often heightened due to the effects of the disease.
Planning Ahead for Mobility
Preparing for the eventual loss of driving privileges allows individuals with Alzheimer’s to maintain some control over their mobility. Here are some strategies to consider:
• Unique Plans: Every situation is different; tailor solutions to the individual’s needs.
• Involve Loved Ones: Family and friends can play crucial roles in supporting transportation needs.
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“This house was abandoned and vacant, and now it’s a jewel of the community,” said Tytus Henry, owner of Lion Heart Construction and developer of the 2,000th home. “Working with the Land Bank gave us a chance to do this work without red tape, and it also gave us the opportunity to mentor young people and help some launch their own careers.”
“There’s so much to celebrate this month at the CCLBA, and we’re happy to share these milestones with the Auburn-Gresham community and Cook County as a whole,” said Darlene Dugo, Deputy Director of the Cook County Land Bank. “This impact—measured in millions of dollars and thousands of transformed properties—would not have been possible without our dedicated partners, supporters and elected officials who share our mission of redeveloping and repurposing vacant, abandoned, foreclosed and tax-delinquent properties.”
The Land Bank was founded in 2013 to address the fallout from the foreclosure crisis of the mid-2000s
“The CCLBA doesn’t just transform individual homes—it renews whole neighborhoods,” said Cook County Commissioner and CCLBA Board Chair Bridget Gainer. “Rather than accepting the status quo of vacant land, the Land Bank opens new doors to growth and development. From the property management teams like the Cara Collective/Cleanslate and local construction crews to the new families and businesses moving in, the Land Bank transforms communities and the people who live and work there.”
The Cook County Land Bank Authority, an independent agency of Cook County, was founded by the Cook County Board of Commissioners in 2013 to address residents and communities hit hard by the mortgage crisis. CCLBA gives local developers, community groups and potential homeowners the tools to transform their own communities from within. The Land Bank acquires properties that have sat tax‐delinquent, abandoned and vacant for years and sells them at below‐market rates to qualified community‐based developers, who then rehab the properties. This approach not only keeps revenue and jobs in the community, but it also helps local developers grow their businesses. Learn more about the Cook County Land Bank Authority at http://www.cookcountylandbank. org or email info@cookcountylandbank.org.
• Contract for Future Reference: Have the individual sign a driving contract that grants permission for others to intervene when necessary.
Alternative Transportation Options
Driving is not the only means of transportation. Several alternatives can help maintain independence:
• Family and Friends: Encourage them to assist with transportation.
• Taxi Services: Explore local taxi or rideshare options.
• Senior Transportation Services: Many communities offer specialized transport for older adults, which can be found through resources like the Alzheimer’s Association’s Community Resource Finder. Recognizing Unsafe Driving Signs
Monitoring driving safety is vital. Be alert to warning signs that indicate it may be time to stop driving, such as:
• Forgetting familiar routes
• Poor decision-making in traffic
• Erratic lane control
• Confusion or frustration while driving
• Delayed returns from routine drives
Professional Driving Evaluations
For those in the early stages of Alzheimer’s, a comprehensive driving evaluation by an occupational therapist can provide valuable insights. This assessment will gauge current driving abilities and suggest tailored strategies to enhance safety while retaining independence.
For more information and resources on this topic, families can reach out to the Alzheimer’s Association at 800.272.3900.
As families navigate these conversations and decisions, proactive planning and open dialogue can help ensure a smoother transition and promote safety for everyone involved.
Contact: Lionell Martin, Public Relations Manager, Alzheimer’s Association, lrmartin@alz.org, 773.593. 4211 About the Alzheimer’s Association - Illinois Chapter: The Alzheimer’s Association offers a 24/7 Helpline (800.272.3900) is available 365 days a year. Through this free service, specialists and master’s-level clinicians offer confidential support and information to people living with dementia, caregivers, families and the public. For more information about Alzheimer’s disease or the Alzheimer’s Association Illinois Chapter, visit alz.org/ illinois or call (800) 272-3900. For the latest news and updates, follow us on Facebook, Twitter and Instagram.
Shon Harris
Honored as a 2024 Notable Black Leader by Crain’s Chicago Business
Under Shon’s visionary leadership, LiveWire Construction and BlackRock Construction have flourished, generating approximately $40 million in revenue and employing over 150 dedicated professionals.
CALUMET PARK, Ill., PRNewswire -LiveWire Construction is thrilled to announce that Shon Harris, President of both LiveWire Construction and BlackRock Construction, has been honored as one of Crain’s 2024 Notable Black Leaders. This prestigious recognition is part of a special editorial feature by Crain’s Chicago Business.
With a remarkable 27-year career in the construction industry, Shon has established himself as a leader and advocate for diversity and equity. Starting his journey as an apprentice with IBEW Local 134, he has successfully transformed LiveWire Construction into a top-tier provider of commercial and industrial electrical services. This year marks a significant milestone for the company, celebrating 18 years of delivering exceptional electrical services, including comprehensive design, robust installation, ongoing maintenance, and innovative upgrades for clients in Illinois.
Under Shon’s visionary leadership, LiveWire Construction and BlackRock Construction have flourished, generating approximately $40 million in revenue and employing over 150 dedicated professionals. Shon’s strategic acumen has driven both companies into the renewable energy market — a sector that has
historically posed challenges for Black-owned companies. His efforts in this arena have not only expanded business opportunities but have also created sustainable career paths for the Black community, all while positively impacting the environment.
Since 2022, both companies have been instrumental in deploying six solar projects, generating approximately 20 megawatts of green energy for local communities in Illinois. Shon Harris views these initiatives as vital steps toward operational growth and securing the future workforce’s prosperity. He is deeply committed to mentoring and coaching individuals to provide opportunities that might otherwise remain inaccessible.
Apart from his leadership at LiveWire Construction and BlackRock Construction, Shon is a founding member and the inaugural President of the Black Contractors Owners & Executives, a 501(c)(3) nonprofit organization
dedicated to uplifting Black construction firms and related professional service entities. Shon continues to play an active role within the organization as a board member and committee chair. His commitment to advocacy extends to his involvement with the Chicago Building Congress Diversity Committee, the Chicago Transit Authority’s DBE Advisory Board, and the Workforce Development Advisory Board for Revolution Workshop.
This recognition as Crain’s 2024 Notable Black Leader reflects Shon’s dedication to advancing the construction industry and fostering an environment where everyone can succeed. His mission continues to inspire meaningful change and challenge the status quo.
To discover more about LiveWire Construction or to explore Shon Harris’s significant contributions, please visit www. livewire-construction.com.
Authentique Marketing Agency is acquired by WHTWRKS Inc.
NEW YORK, PRNewswire -- Authentique Marketing Agency is thrilled to announce its strategic partnership to join WHTWRKS Inc., a distinguished culturally forward marketing strategy and creative services firm founded in 2013. This collaboration marks a significant step forward in advancing WHTWRKS’s multicultural marketing and reinvesting in brand strategy aimed at targeting Black audiences.
WHTWRKS Inc., known for its expertise in creating award-winning impactful content and innovative marketing and media strategies, has established itself as a leader in connecting brands with new and diverse communities. Their impressive portfolio of clients include among the many BET Networks, Meta, LinkedIn, MyCode, Macro, J.P.Morgan Chase, Smirnoff, and Ciroc. Their work is focused on developing targeted strategies and compelling narratives that resonate deeply with audiences to increase engagement and conversion.
Marketing Agency into the WHTWRKS family. This partnership is a testament to our commitment to amplifying diverse voices and crafting narratives that resonate with underserved communities,” said Martin Ekechukwu, Co-Founder of WHTWRKS Inc. “Together, we will unlock new possibilities for brands looking to connect authentically with their audiences.”
Roy Broderick, Jr. the founder of Authentique Agency, has an illustrious career marked by collaborations with several high-impact and high-profile brands. His extensive experience spans leading names such as Target, Sony Pictures, Wells Fargo Bank,, Columbia Pictures, PUMA, Marvel, Screen Gems, Tyler Perry Studios, Jack Daniel’s, PepsiCo, and Victoria’s Secret. With a robust background in multicultural marketing, Broderick has successfully navigated the Florida, New York, and Georgia markets, uncovering his passion for creating meaningful connections with diverse audiences.
Inc. and leverage the unparalleled expertise and vision of creating meaningful cultural connections between the audience and the brand,” said Roy Broderick, Founder and CEO of Authentique Marketing Agency. “This partnership represents a powerful synergy that will enable us to deliver even more impactful and inclusive marketing solutions for our clients.”
Broderick’s firm serves a broad spectrum of clients across telecommunications, legal, food, home, manufacturing, education, beauty, and media industries. With the addition of his leadership, WHTWRKS Inc. is poised for continued growth, with a strategic focus on expanding into new areas and making a significant impact in Atlanta.
“Working alongside Roy Broderick and the talented team at Authentique allows us to deepen our impact in multicultural marketing”, stated Tamara Spinner, President of WHTWRKS Inc. “Our shared vision for creating culturally relevant campaigns will not only enhance our offerings but also drive meaningful engagement for our clients in the ever-evolving marketplace.”
“We are thrilled to welcome Authentique
“We are excited to join forces with WHTWRKS
As part of this partnership, Roy Broderick, Jr. will take on the role of Chief Growth Officer where he will spearhead initiatives to further integrate and enhance culture and experiences into brand and corporate marketing strategies targeting Black and LGBTQ audiences. This new role underscores his commitment to driving innovation and excellence in connecting brands with diverse consumer segments.
(l-r) Roy Broderick, Jr. Chief Growth Officer Martin Ekechuwku, Co-Founder. WHTWRKS
Shon Harris, President of both LiveWire Construction and BlackRock Construction.
Nordstrom Partners with Harlem’s Fashion Row with 3 Capsule Collections
(Black PR Wire) Nordstrom thrilled to announce its latest partnership with Harlem’s Fashion Row. Nordstrom by Harlem’s Fashion Row reimagines the Nordstrom brand through the lens of three incredible designers represented by Harlem’s Fashion Row: Megan Renee, House of Aama, and Harbison. Discover three unique capsule collections, each offering a distinct design perspective and must-have items available online and in select Nordstrom stores.
Harlem’s Fashion Row is the premier agency bridging the gap between brands and designers of color through brand strategy, collaborations, new media, experiential marketing, recruiting, and pipeline programs with prominent brands and retailers like Nordstrom. Nordstrom is proud to collaborate with Harlem’s Fashion Row and bring these designer collections to life.
“We’re excited to introduce these three capsule collections that reimagine our Nordstrom brand in partnership with Harlem’s Fashion Row, Megan Renee, House of Aama, and Harbison,” says Nina Barjesteh, president of Nordstrom Product Group, Nordstrom. “With our Nordstrom brand, we always aim to bring our customers an assortment of well-designed, high-quality styles, and we’ve worked hand in hand with each designer to bring their visions to life through our namesake brand, offering beautiful, distinct collections at a great price point.”
No matter what you are shopping for this fall, Nordstrom by Harlem’s Fashion Row has the best pieces for women’s and men’s fashion featuring vibrant colors, bold prints and tailored silhouettes.
Megan Renee’s brand embodies strong femininity with an unmistakable boldness. You’ll find eye-catching prints in wearable staples with exaggerated shapes and fresh new proportions. From off-the-shoulder bodysuits and faux leather tiered skirts to silky button-ups and an abstract puff sleeve dress, these pieces blend femininity and boldness.
House of Aama’s capsule collection dives into its unique tailoring roots inspired by African Diaspora Dandy Culture. Fabrications and jewelry pieces feature etching-type motifs from antiquity pottery or sculpture design. The collection features various prints like pinstripes, tonal stripes, checks, and more. For women, you’ll find asymmetrical pieces with tanks, skirts and cardigans. For men, you’ll find tonal striped pants, chore jackets, graphic button-downs and more.
Harbison’s collection is an ode to his mom, who navigated the world elegantly as a working-class, utilitarian woman. Pulling that inspiration from women’s day-to-day life, you’ll find color, texture and patterns that will exude joy throughout. Red poppy prints fill the collection, featured on a pleated maxi dress, a romantic textured blouse, lounge pants and satin scarves. Other styles include matching sets, transitional trench coats, and dresses of different textures, lengths, and colors.
Each collection is filled with ready-to-wear and accessories and while each designer draws from their own inspiration, the pieces are perfect for mixing and matching. Nordstrom by Harlem’s Fashion Row is available in
sizes XXS – 2XL and 00-18 for women and sizes S-2XL for men.
“Partnering with Nordstrom is not just an opportunity to showcase the remarkable versatility and creativity of designers like Megan Renee, Harbison, and House of Aama—it’s a celebration of Black consumers’ cultural and economic power. Collaborations like this are a powerful way to align with diverse brands, allowing us to bring their distinct visions to a broader audience. With Black consumers expected to drive significant growth in apparel and footwear spending, and a strong preference for brands that resonate with their culture, this collaboration is deeply personal to us. We’re presenting a collection that not only redefines fall fashion with bold prints and tailored silhouettes but also honors the importance of supporting diverse talent in our industry,” says Brandice Daniel, CEO & Founder of Harlem’s Fashion Row. “At Harlem’s Fashion Row, we are committed to creating fashion experiences that speak to and empower a community that has long influenced the fashion landscape. We’re thrilled to bring this unique experience to Nordstrom’s customers across the country, offering them the chance to engage with and support these incredible designers.”
Nordstrom by Harlem’s Fashion Row designer capsule collections are available in 20 doors and online at Nordstrom.com with prices ranging from $45 for a baby tee to $299 for a coat. Please find campaign and high-res imagery HERE along with the complete door list below:
Americana at Brand, Glendale, CA
Broadway Plaza in Walnut Creek, Walnut Creek, CA
Century City, Los Angeles, CA
Domain Northside, Austin, TX
Downtown Seattle, Seattle, WA
Houston Galleria, Houston, TX
International Plaza, Tampa, FL
Los Cerritos Center, Cerritos, CA
Michigan Avenue, Chicago, IL
NorthPark Center, Dallas, TX
NYC Flagship, New York, NY
Oak Park Mall, Overland Park, KS
Perimeter Mall, Atlanta, GA
Phipps Plaza, Atlanta, GA
SouthPark, Charlotte, NC
The Grove, Los Angeles, CA
The Mall at Green Hills, Nashville, TN
The Mall at Short Hills, Short Hills, NJ
The Plaza at King of Prussia, King of Prussia, PA
Tysons Corner Center, McLean, VA
Nordstrom and Harlem’s Fashion Row have a longstanding partnership, supporting key events and initiatives throughout the year including HFR’s annual Fashion Show and Style Awards, Black Business Month at Nordstrom, and more. Nordstrom also supports ICON360—HFR’s nonprofit arm through events including its annual HBCU Professor Retreat as well as the 360 Fashion Scholarship for HBCU students. Together, we are committed to creating lasting change and opportunities for rising talent and designers from diverse backgrounds in the fashion and retail industry.
ISSA RAE PARTNERS WITH CAST JEWELRY TO LAUNCH THE BRAEVE COLLECTION
SAN FRANCISCO, PRNewswire -- Cast, the San Francisco-based fine jewelry brand known for its artful and modern designs, partnered with internationally renowned creator, tastemaker, actor, and entrepreneur Issa Rae to create the Braeve Collection. The collaboration supports Cast’s vision to make artfully designed jewelry more accessible along with their shared passion to inspire and empower the women wearing it. The partnership is a reflection of Issa’s own personal jewelry journey from curious, to collector and co-creator. The Braeve Collection launches on September 17, 2024, at Cast Boutiques, CastJewelry.com, and exclusively at select Nordstrom stores and Nordstrom.com.
The Braeve collection features 22 pieces of 14K Gold, Sterling Silver, Black Onyx, and Cast-created Diamonds, the company’s exclusive lab-grown diamond collection. This modern and versatile collection is adaptable for every type of accessories enthusiast with a price range of $250-$5900.
The collaboration is rooted in Issa’s genuine love for the brand and appreciation of Cast’s artful design, quality and versatility. She can be seen in Cast as she graces September’s cover of Fast Company, during the American Black Film Festival, and earlier this year at the 96th Academy Awards, as well as at the 2024 Emmy Awards.
“I deeply admire the Cast ethos, their unique collaborative approach to jewelry and their focus on sustainability,” shares Issa Rae. “I was honored to collaborate with them on the Braeve collection to create timeless, elegant, and bold pieces. I loved experimenting with shapes, textures, and silhouettes and I can’t wait for everyone to experience this collection.”
“Collaborating with Issa Rae for this collection was a dream come true,” shares Co-Founder & Chief Creative Officer Rachel Skelly. “Whether she’s in front of or behind the camera, she brings such an incredible authenticity, creativity and purpose to everything she does. We knew this collaboration would be no exception, especially with her unique style and creative vision.”
The Braeve collection continues Cast’s mission to invite everyone to enjoy artful jewelry. Thoughtfully designed for everyday styling, the Braeve collection transitions from day to night, with pieces that simply stand alone or elegantly stack for a bolder look.
“We are thrilled to present our Nordstrom customers with exclusive access to this unique collaboration,” said Rickie De Sole, Vice President Fashion Director at Nordstrom. “Issa Rae has established herself as a force in entertainment and fashion, with effortless personal style. This partnership is a natural fit, promising to introduce a joyful collection that we believe our customers will want to shop.”
To discover the full Braeve collection, visit the Cast Boutiques in the San Francisco Bay Area at the following locations: The Village of Corte Madera (Marin County, CA), Santana Row (San Jose, CA) or Stanford Shopping Center (Palo Alto, CA).
For Nordstrom, the collection will be available at the following stores: Nordstrom NYC Flagship (New York, NY), Nordstrom Downtown Portland (Portland, OR), Nordstrom Cherry Creek (Denver, CO), Nordstrom Walnut Creek (Walnut Creek, CA), Nordstrom Stanford Shopping Center (Palo Alto, CA) and Nordstrom Valley Fair (San Jose, CA).
The collection is also available online at CastJewelry. com and at Nordstrom.com.
Courtesy of Cast Jewelry
MAYOR BRANDON JOHNSON AND THE CITY OF CHICAGO ANNOUNCE $1.5 BILLION REFINANCING PLAN TO ACHIEVE $110 MILLION IN DEBT SAVINGS
CHICAGO – The Finance Committee recently approved an ordinance granting the City of Chicago authorization to issue $1.5 billion in General Obligation (GO) bonds and for the Sales Tax Securitization Corporation (STSC) to issue STSC bonds to refinance or tender certain outstanding City GO bonds and STSC bonds. The combined refinancing and tender are expected to generate approximately $110 million in present value savings based on current market conditions. The STSC was created in 2017 and has higher bond ratings than the City’s GO bonds. The primary purpose of STSC bonds is to refinance GO bonds, and further lower the City’s debt service costs.
The $1.5 billion GO/STSC ordinance to be considered by the City Council on Wednesday, October 9, 2024, adheres to best practices of responsible debt management. The ordinance specifically stipulates that the entire $1.5 billion amount can only be used for cost-saving refinancing purposes. Any other use of bond proceeds would require an amendment passed by City Council. The bond proceeds cannot be used for operating costs. The authorization allows for up to $1.5 billion of bonds, but the City will not issue the full amount unless the transaction provides debt service savings.
“The City of Chicago is committed to finding innovative and responsible ways to meet our financial challenges while prioritizing the long-term stability of our
budget,” Mayor Brandon Johnson said. “This refinancing plan represents another important step in creating a stronger financial foundation for our city—one that benefits all Chicagoans.”
Much like a homeowner refinancing a mortgage, the City will issue new bonds at lower interest rates to replace higher-interest bonds that are currently outstanding in order to achieve cost savings. On January 1, 2025, $850 million of the City’s GO bonds will be callable (i.e.: eligible to be refinanced through a call action). In addition, the City plans to use a tender process to purchase approximately $500 million of GO and STSC bonds and refinance those bonds for savings. Under this plan of finance, outstanding debt that carries an average interest rate of 5.62 percent will be replaced with new debt with a much lower cost in the range of 3.75 percent.
The City has executed many refinancings in the past, including separate refinancings of Midway Airport, wastewater system, and water system debt earlier this year in order to achieve cost savings for those respective City enterprises.
The refinancing is pending City Council approval. The City and STSC anticipate issuing the bonds as early as late October 2024. The minority underwriter representation on the GO/STSC refinancing transaction is targeted to be over 40 percent, which is commensurate with previous transactions.
Get Your House In Order
Avoid Future Problems… Get A POA
What is one of the wisest things that you can do today to “get your house in order;” avoiding problems in the future? Did you know that your marital status plays a huge part in determining the urgency of your action to protect yourself?
Everyone needs to consider having a power-of-attorney aka POA in place. Why? There may come a time in your life when you are not capable of making decisions for yourself. POA’s provide you with an opportunity, while you are of sound mind and body, to delegate a person to make medical and/or financial decisions on your behalf.
It cannot be stressed enough how important it is to get a POA in place if you are not married. If married, without an POA, your spouse can make decisions for you, should you become incapable of making decisions yourself. However, if you do not have a spouse and by accident or illness you become incapable of making decisions, what will be your fate? Too often singles in long-term relationships would want their partner to make decisions for them; however, without a POA this is unlikely.
It is said, “an ounce of prevention is worth a ton of cure.” I hope that you and your spouse or partner make the decision today to put POA’s in place. It’s always better to have it and not need it, than…you know the rest.
Bye for now, Bren.
QUIZ:
Does a notary seal attest to the accuracy of a statement of facts in an affidavit? Answers to last week’s quiz: There is no difference.
To get more detailed answers to last week’s QUIZ question or for general questions that you may have, please call me: 773-819-1700
Disclaimer: The illustrations presented in this column are not, nor are they intended to be, legal, financial, or any other licensed professional advice, you should contact the licensed professional of your choice for advice on your individual situation.
Bren Sheriff
TIME Reveals the 2024 TIME100 Next List of the Leaders
NEW YORK, PRNewswire -- TIME revealed the 2024 TIME100 Next list recognizing 100 emerging leaders from around the world who are shaping the future and defining the next generation of leadership.
The 2024 TIME100 Next issue has three worldwide covers, each highlighting a member of the list: singer-songwriter Sabrina Carpenter, NBA player Jaylen Brown and Springboard To Opportunities CEO Aisha Nyandoro.
See the 2024 TIME100 Next full list, tributes, videos and photos: time.com/next
See the TIME100 Next covers:
https://bit.ly/4eoQXmf
Brown, Lily Gladstone on Kali Reis, Lin-Manuel Miranda on Shaina Taub, Sam Altman on Alexandr Wang, Da’Vine Joy Randolph on Kingsley Ben-Adir, Tina Fey on Ashley Park, Laura Dern on Kaia Gerber and more.
More than half of the individuals on this year’s list are women, including: Victoria Monét, Anna Sawai, Reneé Rapp, Amelia Dimoldenberg, Kaitlan Collins, Kat Graham, Arian Simone and more.
Artists, entertainers and storytellers on the 2024 TIME100 Next list include:
Aaron Pierre, Adria Arjona, Richard Gadd, Payal Kapadia, Shaboozey, Vince Staples, Beabadoobee, Cole Escola, Brandon Blackwood, Jadé Fadojutimi, Sable Elyse Smith, Lawrence Abu Hamdan, Kaveh Akbar, Alice Oseman and more.
Of the changemakers on the list, TIME Editor-in-Chief Sam Jacobs writes: “The TIME100 Next list was created to recognize that many of today’s most influential leaders are individuals who are not waiting long in life to make an impact. Nor are they eager to respect the status quo by following the traditional power structures and pathways that have determined what influence looked like in the past. We aim with this annual franchise to recognize rising leaders and by doing so, not just show the stories that are capturing headlines in 2024, but also introduce you to the people who we believe will play an important role in leading the future.” https://bit. ly/3BlIgKV
HIGHLIGHTS FROM THE 2024 TIME100 NEXT:
The TIME100 Next list features pairings of the list members and guest contributors TIME selects to write about them. The 2024 annual list includes: Shonda Rhimes on Nicola Coughlan, Christina Aguilera on Sabrina Carpenter, Olivia Rodrigo on Laufey, Mindy Kaling on Ambika Mod, Colin Kaepernick on Jaylen
Artists, entertainers and storytellers on the 2024 TIME100 Next list include: Aaron Pierre, Adria Arjona, Richard Gadd, Payal Kapadia, Shaboozey, Vince Staples, Beabadoobee, Cole Escola, Brandon Blackwood, Jadé Fadojutimi, Sable Elyse Smith, Lawrence Abu Hamdan, Kaveh Akbar, Alice Oseman and more.
Athletes featured on the 2024 TIME100 Next list include: Fred Richard, Ilona Maher, C.J. Stroud, Jannik Sinner, Cindy Ngamba and more.
U.S. political figures on the list include: Gov. Wes Moore, Gov. Andy Beshear, Lara Trump and more.
Business and technology leaders on the new list include: Nik Storonsky, Aadith Moorthy, Arthur Mensch, Assaf Rappaport, Mario Kohle, Mike Cessario, Nick Green, Thomas Njeru, Tim Latimer, Hali Borenstein, Iman Abuzeid, Christine Chang, Sarah Lee and more.
Leaders who are working to advocate for and expedite climate action and sustainable solutions include: Monique Jeffs, Murrawah Maroochy Johnson, Marine Tondelier, Hali Borenstein, Tim Latimer, Mario Kohle, Aadith Moorthy, Jesse Jenkins, Jason Glaser and more.
While the TIME100 Next list has no age requirements, the youngest person on the 2024 list is Summer McIntosh, age 18.
Kwame Alexander and Jason Reynolds Team Up for Live Virtual Author Visit
RESTON, Va., PRNewswire -- Renowned New York Times bestselling authors Kwame Alexander and Jason Reynolds will join forces for students across the United States in a live virtual author visit on Oct. 29, the kick-off of the 2024-25 Author Study series produced by Big Sea Education.
Alexander, acclaimed author of over 40 books and Emmy Award-winning producer, will share excerpts from his new middle-grade novel, Black Star, published on September 24. Reynolds, one of today’s most dynamic voices in young adult literature, will highlight his highly anticipated new novel, 24 Seconds From Now, which hits shelves on October 8. Alexander and Reynolds are two of the most honored and celebrated authors in children’s literature, whose many accolades include the Newbery Medal for Alexander’s The Crossover and the Carnegie Medal for Reynolds’ Look Both Ways.
Alexander created and hosts Author Study, an ongoing series of live, virtual events that feature some of the hottest authors writing for young people. Author Study fosters a love of reading and writing by engaging students with favorite books and authors in a meaningful way.
“I love sharing my joy for writing and reading with students. I have visited more than 2,000 schools around the globe,” says Alexander. “Yet I want to reach even more kids! Author Study allows me to do that in a way that’s easy and affordable for more educators, librarians, and schools.” Alexander points out that young people often turn away from reading for enjoyment when they get to middle- and high school; Author Study can re-engage them in the joy of reading and writing with authentic interactions with top-tier authors.
Educators can register now for this remarkable, onetime event, where students will learn from Alexander and Reynolds, ask questions, and be motivated for their own literary journeys. To register and learn about all the events in this season, visit AuthorStudy.com.
Author Study is produced by Big Sea Education, part of Alexander’s production company, Big Sea Entertainment.
Kwame Alexander, bestselling author, Emmy Award-winning producer, host and creator of Author Study. PRNewsFoto.
Jason Reynolds, bestselling, award-winning author and special Author Study guest on October 29th. PRNewsFoto.
TIME100 Next 2024. TIME
The Health Benefit Alliance
Now Offering HBA Select Health Plans Featuring
Premier Chicago Area Healthcare System
NORWALK, Conn., PRNewswire -- Norwalk, Connecticut-based The Health Benefit Alliance™ (HBA) announces immediate availability of its HBA Select health plan series to the greater Chicago market.
Easy to propose and implement, HBA Select features include:
No-cost access to top-tier local healthcare systems
Care Navigation support to optimize the member experience
No personal health questionnaires
No employer contribution requirement
National PPO physician network for savings across the country
Uniquely tailored to meet the access and affordability needs of employers and employees in major markets around the country, HBA Select is the Alliance’s newest series of ACA and ERISA compliant health plan designs. In partnership with Curaechoice, leveraging unique administrative efficiencies and integration with nationally-renowned, local healthcare systems, HBA has designed a benefit solution built on a foundation of nocost access to world-class healthcare providers.
forward in making high-quality healthcare affordable and accessible to all,” adds Dr. Derek Price, VP Provider relations of Curaechoice.
Since 2019, The Health Benefit Alliance™ has been a recognized leader in the design and management of innovative, affordable health benefit plan designs that eliminate barriers to care for employees at all levels. Look for further industry recognition of HBA’s efforts to humanize benefits and improve healthcare access in the coming days.
In the interim, HBA is excited to bring the innovative HBA Select series to the greater Chicago community, with additional market-aligned solutions soon to follow.
Since 2019, The Health Benefit Alliance™ has been a recognized leader in the design and management of innovative, affordable health benefit plan designs that eliminate barriers to care for employees at all levels.
According to HBA President, Matt Esposito, “In the face of rising healthcare costs, and with so many American workers and their families shouldering much of the burden in the form of increased deductibles and premium contributions, we’re excited to counter that trend with a new solution that truly enables affordable access to the highest levels of care.”
“Our partnership with HBA allows us to bring Curaechoice’s innovative, zero-cost healthcare model to more employers and employees in the greater Chicago area. By integrating seamlessly with top healthcare systems and reducing financial barriers, we are ensuring that employees can access the best care available without the burden of out-of-pocket expenses. This collaboration marks a significant step
The Health Benefit Alliance™ was founded in 2018 to address a market in dire need of affordable health benefit choices for all employees. By leveraging innovation and aggressive sourcing through best-in-class Alliance partners, HBA consults on valuable plan features to provide a unique and comprehensive menu of affordable, ERISA and ACA compliant health benefit plan designs that mitigate barriers to care and satisfy a broad range of consumer price points. To learn more visit: healthbenefitalliance.com
Curaechoice is revolutionizing healthcare by eliminating out-of-pocket costs, including zero premiums, zero co-pays, zero deductibles, and zero co-insurance, while offering access to an extensive network of top-tier healthcare providers. Built on patented technology and seamless integration with electronic medical records (EMRs), Curaechoice ensures smooth care coordination and cost certainty for employers. Patients benefit from high-quality, zero-cost care, and providers are empowered to focus on delivering exceptional care without administrative hurdles. Curaechoice optimizes healthcare for self-insured employers, providing employees with peace of mind and transparent, predictable access to the care they need.
S’moresUp Launches TeenSpirit: Revolutionizing Teen Empowerment in the Social Media Era
LOS ALTOS, Calif., PRNewswire -- S’moresUp, renowned for its innovative family management solutions, is excited to launch TeenSpirit (www.teenspirit.xyz), an app crafted to transform teen self-management and enhance family dynamics. TeenSpirit is equipped with tools designed to foster organizational skills, financial literacy, and effective communication.
“This app responds to the growing need for tools that support teen development in a post-pandemic world,” Priya Rajendran, CEO of S’moresUp, explains. “It helps teens manage their daily tasks but also strengthens family ties and builds financial acumen, preparing them for adulthood.’”
Key Features of TeenSpirit: Chore Card System: Enables teens to track and manage their responsibilities, fostering a sense of accountability and structure.
MyWallet: Teaches financial skills through a virtual economy of earning and spending, preparing teens for real-world financial responsibilities.
Planner: Helps organize daily activities and long-term goals, enhancing time management skills.
Campfire: Boosts family communication, fostering deeper connections and support networks.
Everyday Mood Tracker: Allows teens to monitor their daily mood, encouraging emotional awareness and reflection.
Weekly and Monthly Analytics: Provides insights into teens’ progress towards self-reliance, highlighting areas of strength and opportunities for growth.
“TeenSpirit addresses the urgent needs of today’s youth in navigating the complexities of mental well-being in a digital world,” said S’moresUp Co-founder Reeves Xavier. “With enhanced features focused on mental health, like the Everyday Mood Tracker, TeenSpirit acts as a vital resource in helping teens develop resilience.”
TeenSpirit, now available on the App Store, was created in partnership with teens from S’moresUp’s Summer Internship program and domain experts in psychology and D&I from the tech industry, informed by insights from over 250K families.
About S’moresUp: S’moresUp is a leading family organizer app developed by a team of dedicated technologists and parents focused on crafting data-driven parenting solutions. Founded by technology veterans Priya Rajendran, a VP of Tech and devoted single mom who previously led the PayPal Wallet team, and Reeves Xavier, an expert in generative AI with former tech roles at PayPal and Intuit. S’moresUp is designed to help raise independent, responsible, and financially savvy kids. The app equips families with tools to teach children critical life skills, promote healthy habits, foster self-reliance, and strengthen family connections. For more information, visit www.smoresup.com.
S‘moresUp
The Health Benefit Alliance
Dream Exchange Celebrates Black Entrepreneurship at the National Black Business Conference in Atlanta
CHICAGO, PRNewswire -- Dream Exchange recently participated in the National Black Business Conference held in Atlanta from Aug. 21-25. The event, spearheaded by the National Business League, and co-hosted in partnership by the National Alliance for Black Business and its co-founders, the National Black Chamber of Commerce (NBCC) and the World Conference of Mayors, brought together prominent Black business leaders, entrepreneurs, and advocates to discuss strategies for economic empowerment.
Dream Exchange Founder and CEO Joe Cecala spoke at both a press conference prior to, and at, the panel discussion regarding relevant issues involving Women in Trade. He also discussed funding challenges for minority-owned businesses on the Access to Capital panel. Mr. Cecala also participated in the NBCC caucus, discussing policies that support economic growth.
A highlight of the conference was the Booker T. Washington Black Business Awards Gala, where Dream Exchange’s ‘Dream Again’ anthem, written by world renowned saxophonist Mike Phillips and performed by Sarah Ikumu, moved the audience with its message of hope. Lorri Dotson received the NBCC & Dream Exchange Entrepreneurship Award and a $25,000 check, recognizing her business achievements and Dream
Exchange’s commitment to supporting Black Entrepreneurs.
Joe Cecala, Founder and CEO of Dream Exchange, expressed his enthusiasm, stating, “It is an honor to be part of an event that celebrates and elevates Black
Entrepreneurs. As part of our strategic relationship with NBCC, Dream Exchange is committed to providing the tools and resources necessary for minority-owned businesses to thrive.”
Charles DeBow, President of NBCC, added, “Dream Exchange’s involvement in this conference has been invaluable. Joe Cecala’s insights on access to capital are crucial for the advancement of our community. We are grateful for Dream Exchange’s ongoing support and look forward to continued collaboration.”
Lorri Dotson, who received the Entrepreneurship Award, shared her excitement, saying, “Being recognized at the National Black Business Conference is an incredible honor. The support from Dream Exchange means the world to me and my business. This award will continue to empower me to take my business to new heights and continue to serve my community.”
The Dream Exchange is preparing its application and operations to become the first minority-controlled company to operate a licensed stock exchange in the history of the United States. In addition, Dream Exchange is championing the creation of a new type of stock exchange called a venture exchange, which will list and trade the securities of smaller, early-stage companies. Dream Exchange’s mission is to create equal access to a marketplace that instills ethics, humanity, and fairness into finance.
FanDuel Donates $1 Million to UNCF to Support Students from North Carolina HBCUs
NEW YORK, PRNewswire -- FanDuel, the premier online gaming company in North America, announced a fourth $1 million donation supporting the UNCF (United Negro College Fund) whose mission is to build a robust and nationally recognized pipeline of under-represented students who, because of UNCF support, become highly qualified college graduates. The donation will financially support students at 11 historically Black colleges and universities (HBCUs) across North Carolina.
FanDuel is an Official Sports Betting Partner of the Carolina Panthers and made the donation to the UNCF on September 29 in the form of a check presentation at Bank of America Stadium in Charlotte, North Carolina, with UNCF and FanDuel executives taking part in the ceremony.
Through the donation, UNCF will provide direct support through its Emergency Student Aid program and help students at each of the institutions in a variety of areas, including technology, housing, food security, tuition and other education-related expenses.
“We are thrilled to extend our work with the UNCF to support the HBCU community across North Carolina,” said Alison Kutler, Vice President, Responsible Gaming and Community Impact at FanDuel. “FanDuel is steadfast in its commitment to making a positive impact in the communities in which we operate our sportsbook, and we look forward to supporting hard-working students at institutions throughout the state.”
“As a steadfast supporter of UNCF and HBCU students, FanDuel is setting an exemplary stan-
dard for other private entities to emulate in making investments in deserving students who need a helping hand to fulfill their goal of completing their college education. We commend FanDuel for its ongoing commitment and support as together we will continue empowering HBCUs and their students to flourish and to remain focused on their crucial mission in higher education,” said Larry A. Griffith, executive vice president for programs and student services, UNCF.
The 11 institutions in North Carolina impacted by the donation include Barber-Scotia College, Bennett College, Elizabeth City State University, Fayetteville State University, Johnson C. Smith University, Livingstone College, North Carolina A&T State University, North Carolina Central University, St. Augustine’s University, Shaw University and Winston-Salem State University.
FanDuel Group is the premier mobile gaming
company in the United States. FanDuel Group consists of a portfolio of leading brands across mobile wagering including, America’s #1 Sportsbook FanDuel Sportsbook, its leading iGaming platform FanDuel Casino, the industry’s unquestioned leader in horse racing and advance-deposit wagering, FanDuel Racing and its daily fantasy sports product. In addition, FanDuel Group operates FanDuel TV, its broadly distributed linear cable television network and FanDuel TV+, its leading direct-to-consumer OTT platform. FanDuel Group has a presence across all 50 states with approximately 17 million customers and 25 retail locations. The company is based in New York with offices in Los Angeles, Atlanta and Jersey City, as well as in Canada, Scotland, Ireland, Portugal, Romania and Australia. FanDuel Group is a subsidiary of Flutter Entertainment plc, the world’s largest sports betting and gaming operator with a portfolio of globally recognized brands and traded on the New York Stock Exchange (NYSE: FLUT).
Panthers Legend Mike Rucker, FanDuel Vice President of Diversity, Equity and Inclusion Keita Young, UNCF Executive Vice President and Chief Development Officer Dr. Maurice E. Jenkins and Carolina Panthers Director of Community Relations Riley Fields. PRNewsfoto/FanDuel Group.
Joe Cecala, Charles H. DeBow III, and Lorri Dotson, Entrepreneurship Award Recipient. Dream Exchange
Tips for Older Americans to Protect Themselves Against Scams
(StatePoint) Scammers are getting better at what they do all the time. According to the Data Book, Americans reported losing $10 billion to scams in 2023, a full $1 billion more than in 2022. While anyone can be a victim, elderly people are often targeted, as they are presumed to have more savings. According to CERTIFIED FINANCIAL PLANNER® professionals, you can help safeguard your financial future with these tips:
Slow Down
From romance scams to debt and IRS scams, many scammers use emotional appeals to scare or charm their victims into giving up personal information or their money. Before acting, take a deep breath and speak to a trusted friend or relative who may be able to help you spot a potential scam. Remember that the IRS initiates contact only through the U.S. mail, not via email, text or social media.
You can also do a bit of investigative work yourself. For example, if you receive an email claiming to be your bank or another institution asking you to click on a link, first make sure the request is legitimate. Do the return address and URL look right? Are there spelling errors? If you’re contacted by text or with a phone call, look up the number of the bank or company and call them back directly, not with the number provided.
Be Choosy
As you age, it’s common to enlist friends and family to help you make financial decisions and with everyday administrative tasks, like paying your taxes or your bills. Select who has access to your sensitive documents and online accounts carefully.
Also, never leave bills, statements and other identifying information lying around. You may want to invest in a paper shredder or a file cabinet with a lock so you can dispose of and store documents carefully. You should also ensure all your online accounts have strong passwords that are known only to you.
Finally, consider setting up automatic bill payments. This not only has the benefit of keeping you up-to-date on pay-
ments and helping you avoid late fees, it will also reduce the amount of sensitive paperwork you have in your home and receive by mail.
Seek Assistance
If you are the victim of identity theft or another scam, a CFP® professional can help you recover with a smart financial plan. They can also help you avoid becoming a victim in the first place by helping you monitor your accounts and by setting up notifications from your financial institutions when suspicious activity is detected. As a fiduciary, they have
an ethical obligation to work in your best interests at all times and can be a valuable member of your money team. To find a CFP® professional near you, visit l It’s easy to think identity fraud and other financial abuse is something that happens only to other people. But scam tactics are becoming more sophisticated, and anyone can be targeted. The best defense is staying abreast of the latest tactics and arming yourself with the assistance of trusted advocates.
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Your buzz could kill.
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