Chicago Weekend 10-23-2019 by CITIZEN NEWSPAPERS

Citizen Focus on mental health as cause of mass violence may be increasing stigma â&#x20AC;&#x201D; Page 3 Week of Oct. 23, 2019

| Vol. 50 | No. 43 | www.thechicagocitizen.com

CHICAGO WEEKEND

State Representative LaShawn Ford serves as the Chairman of the Higher Education Appropriations Committee for the Illinois General Assembly and recently hosted a FAFSA Completion Night with Michele Clark Academic Prep Magnet High School. Photo Credit: Provided by the Office of State Representative LaShawn Ford

STATE REPRESENTATIVE HOSTS FINANCIAL AID COMPLETION NIGHT AT WEST SIDE HIGH SCHOOL

BUSINESS

MBDA Awards NAIC Million Dollar Grant To Raise $1 Billion For Investment In Minority Entrepreneurs PAGE 4

FASHION

NEWS

Trunk Club Launches New Charitable Giving Platform in Partnership with Dress for Success and Career Gear

10 Acronyms Homebuyers Need to Know PAGE 7

PAGE 6

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2 | CITIZEN | Chicago Weekend | Week of Oct. 23, 2019

NEWS briefly EDUCATION

SXU SECURES $3 MILLION U.S. DEPARTMENT OF EDUCATION TITLE V GRANT Saint Xavier University (SXU) was awarded a $3 million grant from the U.S. Department of Education under its Developing Hispanic-Serving Institutions Title V Program to increase retention and graduation rates. The Comprehensive, Aligned Supports for Attainment (CASA) initiative outlined in SXU’s successful proposal (#P031S190311) will enhance student outcomes through an institution-wide approach. “Identified gaps in student achievement will be reduced through this grant, aligning the needs of our students with crucial support for success,” said SXU President Laurie M. Joyner, Ph.D. “This innovative project connects the dots for SXU’s many powerful yet distinct student support programs and bolsters our ability to deliver demonstrable results. I am incredibly proud of our remarkable University Advancement team, Academic Affairs leadership and the capable members of the HSI Steering Committee for completing this strong and successful proposal.”

HEALTH

NEW UNITEDHEALTHCARE APP NOW GIVES MILLIONS OF PLAN PARTICIPANTS ON-DEMAND ACCESS TO VIRTUAL VISITS Millions of Americans now have access to on-demand telemedicine services 24/7 with the new UnitedHealthcare app. The UnitedHealthcare app provides health information for people on the go, offering plan participants a single source to help maintain and improve their well-being, access care and make the most of their health benefits. Eligible plan participants can now use the app to directly schedule and conduct a Virtual Visit with a doctor, helping eliminate the need for multiple sign-ins or to download a separate app. The app is available now for download at no additional charge for Android and Apple devices to more than 27 million people enrolled in UnitedHealthcare health benefit plans. “Digital health resources are fundamentally changing how people navigate the health system, making it possible to access care from anywhere at any time and helping remove barriers to care,” said Anne Docimo, M.D., UnitedHealthcare chief medical officer. “The new app is part of UnitedHealth Group’s more than $3 billion annual investment in data, technology and innovation, helping build a health system that is more intuitive, affordable and convenient.”

LAW & POLITICS

STACEY ABRAMS TO DELIVER SPEECH ON VOTER SUPPRESSION ON NOV. 15 Former Georgia House Democratic Leader Stacey Abrams will deliver a major speech on voter suppression one year after her narrow defeat in Georgia’s gubernatorial race, at a National Press Club Headliners Luncheon on Friday, November 15. In the immediate aftermath Stacey Abrams of her hotly contested defeat to Republican (and Georgia’s then-secretary of state) Brian Kemp, Abrams launched Fair Fight Action, and together with another advocacy group, filed a federal lawsuit seeking to overhaul Georgia’s election system on the grounds that the current system impaired citizens’ ability to vote in the 2018 gubernatorial election, and thus deprived them of their constitutional rights guaranteed under the First, Fourteenth, and Fifteenth Amendments.

State Representative Hosts Financial Aid Completion Night At West Side High School Continued from page 1 BY KATHERINE NEWMAN

State Representative LaShawn Ford recently hosted a FAFSA Completion Night at Michele Clark Academic Prep Magnet High School, 5101 W. Harrison St., for students who are preparing to continue their education after graduating from high school and who need help navigating the federal financial aid process. FAFSA, or the Free Application for Federal Student Aid, is how potential students apply for financial aid, including grants, work-study programs, and loans, to help them pay for college or career school. The Federal Student Aid program is administered by the U.S. Department of Education and provides $150 billion in financial aid every year through the FAFSA applications, according to the FAFSA website. Representative Ford currently serves as the Chairman of the Higher Education Appropriations Committee for the Illinois General Assembly. The committee is in charge of overseeing the funding for public post-secondary institutions in Illinois

and the Monetary Award Program (MAP) which provides grants for Illinois residents who attend approved post-secondary schools in Illinois. “Our goal in this committee is to do everything we can to get our public universities built up and make them more affordable. Right now, the problem with our public universities is that students cannot afford to even go to our public universities,” said Ford. “A public university is still very, very expensive and federal money on top of the MAP grant money is not enough.” During the recent FAFSA Completion Night, students and their parents were able to come together to ask questions, connect with resources, and complete their FAFSA applications together. “We wanted to not only raise awareness about FAFSA but to also provide technical assistance because it’s difficult and it’s not an easy process to apply for financial aid,” said Ford. “What we did was make sure we brought parents and students together in one room with the technical assistance so that they can apply for their award.”

In previous years, FAFSA applications opened up in January but recently that start date has been moved up several months to October 1 which is critical for students and their parents to know because federal student aid is awarded on a first come first serve basis until it is gone for the year. “People are not aware that financial aid is first come first serve and that’s major because there is a limited funding source for FAFSA and for MAP,” said Ford. “We want to make sure we connect with people in the neighborhoods where we know the graduation rate is lower, which can be for a number of reasons and one of the reasons is affordability. We know that people start and then don’t finish because they can’t afford to finish but we also know that a lot of people are not making a deadline for applying for their grant money.” For those unable to attend the recent event, Representative Ford’s office can provide further assistance and resources to help apply for post-secondary education financial aid.

Organizations Illuminate the Need for Critical Afterschool Learning Opportunities By Lighting Up Billboards Nationwide The Afterschool Alliance, the National League of Cities and the National Summer Learning Association, a coalition of afterschool supporters, recently joined with Clear Channel Outdoor to launch a campaign across more than 1,000 digital billboards nationwide encouraging city leaders and other stakeholders to turn the Lights On Afterschool. In its 20th year, Lights On Afterschool is the only national rally for afterschool programs. Throughout October, and leading up to Oct. 24, the official anniversary of Lights On Afterschool, the coalition expects to involve more than one million people at more than 8,000 events across the country and at U.S. military bases worldwide. The groups are sending the message on this anniversary that demand for afterschool programs remains high and millions of students are without the programs they need. In fact, the America After 3PM household survey of more than 30,000 families, commissioned by the Afterschool Alliance, found that participation in afterschool programs has increased to 10.2 million

New nationwide digital billboard campaign from city leaders, education advocates lights up a discussion on after school learning.

students nationwide – but the unmet demand is great. For every child in an afterschool program today, two more are waiting to get in. Unmet demand is especially high in rural communities and communities of concentrated poverty. One in five students in the United States is unsupervised after the school day ends. The 20th anniversary of Lights On Afterschool serves as a reminder that a powerful body of evidence demonstrates improvements in attendance, behavior, academic achievement and more among children who participate in afterschool programs.

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Researchers have also found afterschool programs encourage increased parental involvement – an important building block for student success. Organized by the Afterschool Alliance, Lights On Afterschool includes open houses, science fairs, fun runs, student showcases, academic contests, community service activities, sports competitions, and other events at schools, 4-Hs, Boys & Girls Clubs, YMCAs, parks, museums, community centers, state capitols and other places. Events showcase the skills students gain and the talents they develop in their afterschool

programs. Afterschool programs provide homework help; mentors; healthy snacks and meals; computer programming; opportunities to think critically, collaborate and communicate with peers and adults; job and college readiness; sports and fitness activities; robotics; art, dance and music; and continuous opportunities for hands-on, team-based learning. Clear Channel Outdoor is supporting the 20th anniversary campaign by donating some of its most prominent billboard space to illuminate Lights On Afterschool. “Quality afterschool programs keep kids safe, inspire them to learn, and help give working parents peace of mind that their children are safe and learning during the sometimes-perilous hours after the school day ends and before parents get home from work – and Clear Channel Outdoor’s support helps us illustrate the need for more resources so that, sometime soon, every child will have access to an afterschool program” said Afterschool Alliance Executive Director Jodi Grant. For more information, visit www.afterschoolalliance.org.

CITIZEN | Chicago Weekend | Week of Oct. 23, 2019

NEWS

Parents Support Teachers Fighting for their Children BY WENDELL HUTSON Contributing Writer

As the teacher’s strike lingers on this week many parents said they support the effort by Chicago Public Schools teachers and staff to ensure their children have the necessary resources needed at their schools. “I think teachers and staff should get paid for what they do for our children. The schools in minority neighborhoods do not have the same support services like a social worker, librarian or nurse as schools in more affluent neighborhoods and I think that’s unfair,” said Darren Johnson, 52, whose 6-year-old son is a first grader at Martha Ruggles Elementary School in Park Manor. CPS is the nation’s third largest school district with nearly 400,000 students, 660 schools and a 2019-20 budget of $7.7 billion, which includes $1.87 billion from the state of Illinois. According to Jesse Sharkey, vice president of the Chicago Teachers Union, one of the main sticking points in contract negotiations with CPS is a written commitment by the school district to provide at least one social worker, librarian and nurse at every school five days a week.

Darren Jones, 52, whose 6-year-old son is a first grader at Ruggles Elementary School in Park Manor, said he supports teachers striking for better resources for students. Photo credit:

Parents at Martha Ruggles Elementary School in Park Manor said they support teachers and staff during the ongoing strike. Photo credit: By Wendell Hutson

According to Mayor Lori Lightfoot, CPS officials made a counter offer to fund $400,000 a year to hire more support staff, but she said it was rejected by the CTU, which Sharkey confirmed. “That amount of money would pay for less than five new employees and there are more than 600 schools across the district and CPS knows this,” said Sharkey. “Getting class sizes reduced and securing more social services for our students are key parts in our negotiations.” Lightfoot added that CPS negotiated with

the CTU in good faith and will continue to do so until an agreement is reached. “From the start, our team has focused on building equity and targeting greater supports and investments to the areas of greatest need. We believe this is a vision we share with the Chicago Teachers Union,” said Lightfoot. “We are committed to bargaining in good faith so that we can create a fair agreement our students, families and teachers deserve.” Ericka Lipsey, 43, said this is the first time she

By Wendell Hutson

dealt with a teacher’s strike and hopes it is her last time. In September, she transferred her 10-yearold son to a public school from a private school. “Up until last year my son attended a private school, so this is the first time I had to deal with something like this. I regret taking him out of private schools but had to do so for financial reasons,” explained Lipsey, a Chatham resident. “Class sizes should be smaller like his previous school where class sizes were no more than five students per class.”

Focus on mental health as cause of mass violence may be increasing stigma In response to recent mass shootings and consistent public outcry, President Donald Trump’s administration is considering a controversial proposal to monitor people with mental illness in hopes of preventing mass shootings. But focusing on mental illness as the root cause for mass violence may do little to solve the problem. Instead, it will increase the American public’s stigmatization of people with these conditions, according to a new paper by IU Distinguished Professor of Sociology Bernice Pescosolido. The paper, published in the October edition of the Health Affairs journal, examines trends in public perceptions of violence in people with mental illness and support for coerced treatment for these individuals across a 22-year period. The analysis found that not only had the perception of people with mental disorders as dangerous increased, the support for stripping these individuals’ civil rights also increased. The National Stigma Studies, fielded in 1996, 2006 and 2018, were topical survey modules included in the General Social Survey, the longest-running monitor of attitudes, beliefs and behaviors in American society. In the survey, respondents were given one of three vignettes describing individuals who meet clinical criteria for schizophrenia, major depression or alcohol dependence, or a fourth non-clinical “daily

Bernice Pescosolido. Photo by Eric Rudd, Indiana University

troubles” vignette, without being labeled as such. Respondents were asked to measure how likely the individual described was to do something violent toward others and how likely they were to do something harmful to themselves. They were also asked if they think the individual should be forced by law to get treatment from a doctor, take prescription medication to control their behavior or be admitted to a hospital. In general, analyses showed an increase in perceived dangerousness over the 22-year period, especially in individuals with schizophrenia. Results in 2018 showed that: l 60 percent of Americans thought individuals with schizophrenia were likely to be dangerous to others.

l 68 percent of Americans thought individuals with alcohol dependence were likely to be dangerous to others. l 30 percent of Americans thought individuals with major depression were likely to be dangerous to others. l 20 percent of Americans thought individuals with “daily troubles” were likely to be dangerous to others. Pescosolido said these results are troubling because there is little evidence that supports the notion that individuals with mental illness are more likely to commit violence. In fact, she said those with mental illnesses are more likely to be victims of violence than to be perpetrators of it. Also particularly alarming to Pescosolido is the increase in perceptions of non-clinical “daily troubles” as dangerous. She said these shifts likely reflect the hope that medicine can solve the problems of increasing violence in America. “In a society that’s progressive, people hold medicine in very high esteem,” said Pescosolido, who is also director of the Indiana Consortium for Mental Health Services Research. “But this way of thinking presumes that psychiatry can identify people who have never been violent as potential mass shooters, when the best predictor of violence is past violence, and most people with mental illness don’t have violent pasts.” Support for coercive hospitalization for people with schizophrenia,

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Graphic by Samantha Thompson, Indiana University

already high, increased more than 10 percent between 1996 and 2018. Increased support for coercive physician treatment and hospitalization was higher among recipients who assessed individuals’ potential dangerousness as more severe. “There is a strong link between these perceptions of danger and the willingness to take away someone’s civil rights or their own ability to determine whether or not they need treatment,” Pescosolido said. “I believe that one way the American public tries to understand why someone did something heinous is to assume they must be ‘sick.’ But the majority of those who commit mass violence have not been documented to have a mental disorder.” Even though there is a link between perceived violence in mentally ill people and a willingness to strip their civil rights, she said studies have also shown that perceived violence is not significantly linked to

the support of increased government funding for mental health services. But, according to Pescosolido, even if this were the case, the country does not have enough facilities or doctors to support a government plan that rests solely on psychiatry’s shoulders to solve the colossal issue of mass violence. While many doctors have rallied behind gun control and see mass violence as a public health crisis, she said they have not suggested returning to the mass confinement of people with mental health problems. “I really hope we change the dialogue around issues of violence in our society and try to get at the root causes rather than the typical and seemingly easy answers that will not help us eliminate issues of mass violence,” Pescosolido said. “What is it about isolation in our society and culture or how we treat each other that makes people want to take out other people?”

4 | CITIZEN | Chicago Weekend | Week of Oct. 23, 2019

BUSINESS

MBDA Awards NAIC Million Dollar Grant To Raise $1 Billion For Investment In Minority Entrepreneurs The Minority Business Development Agency (MBDA) of the U.S. Department of Commerce and the National Association of Investment Companies (NAIC), the largest network of diverse-owned private equity firms and hedge funds, recently announced that MBDA has awarded NAIC a $1.4 million grant to support a project that will facilitate the aggregation and deployment of approximately $1 billion in growth capital into minority-owned businesses. Access to capital remains the most important factor limiting the ability of many of the nation’s 11 million minority- and womenowned business enterprises (MWBEs) to increase in scale. The $1.4 million grant demonstrates both a recognition of the obstacles faced by minority asset managers and a prioritization towards addressing the many

challenges faced by MWBEs. Through this landmark MBDA grant, NAIC will launch the Minority Growth Equity Funds Initiative, which aims to increase the amount of capital available for MWBEs poised for growth. As a key goal of the initiative, NAIC will quantify the demand for and current supply of capital focused on MWBEs, then leverage its extensive expertise and broad network to attract and invest growth capital in

innovative businesses owned by women and ethnically diverse entrepreneurs. The outcome will empower MWBEs to drive substantial job and wealth creation and to make a significant economic impact in historically underserved communities and in the Nation. “According to U.S. Census Bureau, the number of minority-owned small businesses in the U.S. is growing much faster than the overall small business growth rate. But, despite their growth rate, minority-owned firms are still

having a much harder time accessing capital,” says MBDA National Director Henry Childs II. “MBDA is committed to getting more minority-owned businesses growth capital through forward thinking investments like the Minority Growth Equity Fund initiative.” “The importance of minority-owned businesses to our nation’s economy cannot be overstated, but the entrepreneurs who run them are often overlooked in the growth equity market, substantially limiting their ability to scale,” says Robert L. Greene, president and CEO of the NAIC. “With the support of the MBDA and the efforts of our member firms and others, the Minority Growth Equity Funds Initiative will help position many of these businesses for enhanced contribution to the American economy of the future.”

Former NBA All-Star and Businessman Jamal Mashburn Joins Revolution Global as Board Advisor Illinois-based Revolution Global, formerly Revolution Enterprises, a multi-state cannabis health and wellness company, announced that

former NBA all-star Jamal Mashburn has been appointed an advisor to the board of directors. Drawing on his experience as an

investor and owner and operator of dozens of retail businesses and restaurants, Mashburn will advise Revolution on expansion,

social equity issues, and corporate marketing. “I am thrilled to join Revolution during this exciting period of growth for both the company and the industry,” Mashburn said. “I admire Revolution’s stewardship in the communities where it operates, leadership in pushing for greater social equity, dedication to producing best-in-class products, and commitment to putting patients first. Revolution has laid the foundation for success as it enters more states.” Mashburn brings experience in strategic planning, capital markets, management, and retail operations to his role at Revolution. He joins the company as Revolution prepares for a capital raise to fund expansion efforts. Mashburn will also work to build bridges with communities of color, further advancing Revolution’s commitment to social equity. Minorities are underrepresented in the sector as investors, operators, and employees. According to a Marijuana Business Daily survey, only 17 percent of cannabis executives are minorities. “Jamal’s unique business background will be an asset to our board,” said Mark de Souza, CEO of Revolution. “His success running thriving franchise businesses, paired with his knowledge of capital markets and commitment to community service, make him a natural fit for Revolution as the company enters its next chapter.” After retiring from the NBA in 2006, Mashburn turned his energy to investing in and growing successful

businesses. With interests in more than 100 franchise locations, Mashburn’s ventures include Papa John’s Pizzas and Lexus and Toyota dealerships across multiple states. “Revolution is honored to have an entrepreneur of Jamal’s caliber join the team,” said Tony Hunter, chairman of Revolution. “Jamal has always led his businesses with an eye towards innovation, which is key as Revolution expands to new markets.” Committed to improving the lives of disadvantaged young people, Mashburn ensures that his businesses contribute to their local communities, whether through donations or volunteering. In 2009, Mashburn founded the Mashburn Family Foundation, which raises funds for scholarships, mentoring programs, and partners with local school districts. In 1993, he established the Mashburn Scholarship Fund, which continues to finance the educations of promising Kentucky-area students from underrepresented groups to this day. Mashburn joins de Souza, who brings more than 30 years of experience in management, finance, and business development, and Hunter, the former publisher of the Chicago Tribune. De Souza is a member of the Chicago Mercantile Exchange (CME) and recently advised Governor J.B. Pritzker’s transition team on agriculture issues. Hunter is recognized for his success adapting the Tribune’s business model to survive disruption in the publishing and media industries.

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CITIZEN | Chicago Weekend | Week of Oct. 23, 2019

The 2019 Blueprint Men's Summit Kicked Off In Downtown Chicago Recently The 3rd Annual Blueprint Men’s Summit, created in 2017 by Louis Carr, President of Media Sales at BET Networks, kicked off last night, Friday, October 18th in Downtown Chicago.

Photos by Blueprint Men's Summit

The summit is a multidimensional collective of men of color from across the country that have come together to openly exchange ideas, commonalities, and knowledge to uplift and inspire each other and the next generation of men of color. “I did not overcome adversity autonomously. Much of my growth and success can be attributed to both my male role models and time spent focusing on vision,” says Louis Carr, Creator of the Blueprint Men’s Summit and President of Media Sales for BET Networks. “With the summit, we illustrate how mentorship is monumental, but also confirm the significance and impact of being mentored from someone that looks like you and how it can have an enduring impact on the trajectory of your journey.” Over 300 men and youth listened to speakers that included Will Packer, Allan Houston, Joe Holder, Devale Ellis, Judge Mathis, Chef Jeff Henderson, and Louis Carr.

In attendance to kick off the Summit in Chicago were: : Louis Carr, Doug E. Fresh, Joe Holder, Devale Ellis, Judge Greg Mathis, Pastor Charles Jenkins, Allan Houston and Will Packer. The panel of spoke to a crowd of 300 Men and youth sharing their uplifting Life stories.

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6 | CITIZEN | Chicago Weekend | Week of Oct. 23, 2019

FASHION

Trunk Club Launches New Charitable Giving Platform in Partnership with Dress for Success and Career Gear Trunk Club recently announced its new charitable platform, Trunk Club Cares, focused on improving job training and preparedness in local communities through partnerships with nonprofits Dress for Success and Career Gear. Trunk Club committed more than $30,000 and employee volunteers to both organizations, which serve communities through innovative programming designed to help individuals find employment. “At Trunk Club, we understand the power of a good outfit and how that boost of confidence can impact your day-to-day work and career, regardless of your experience or where you are in your career,” said Fanya Chandler, president of Trunk Club. “We designed this program by listening carefully to our employees’ and customers’ passions for giving back. We’re proud and honored to support both of these organizations that share our values and are making a tremendous impact in our communities.” Trunk Club partnered with Dress for Success to host four volunteer days for employees at their boutiques where employees worked with program clients to create interview outfits. Additionally, Trunk Club hosted a resume boot camp during which Dress for Success clients learned about interview best practices and had mock interviews with Trunk Club employees. Finally, Trunk Club stylists shared their time and style expertise to outfit 20 Dress for Success clients and senior executives in Chicago for a fashion show fundraiser. “We’re so happy to partner with an organization so well aligned with our mission,” said Joi Gordon, CEO of Dress for Success. “Trunk Club is doing important work in their communities to help people become financially independent and reach their goals.” Trunk Club is also teaming up with Career Gear by providing employee volunteers who

Men’s suits may not get the same amount of social media and fashion industry coverage as women’s suits, but contemporary men’s formal wear and men’s clothing in general have never been more exciting and cutting edge. Los Angeles-based MENSUSA.COM dishes on what’s hot and what’s not.

Dress for Success client practices interview skills with Trunk Club employee at the styling service’s Chicago headquarters.

provide pro-bono styling services to program participants. “We may provide the suit, but we are really in the confidence business. We want to help men help themselves while they strive to live their best lives,” said Jesseca Kendall, director of community engagement at Career Gear. In addition to these partnerships, Trunk

Club continues to activate in its local communities with employee-driven activations. Annually, Trunk Club employees nominate and vote on their favorite charitable organizations to receive grants that help achieve their missions. Last year’s winning organizations were Chicago’s Anti-Cruelty Society, St. Jude’s Children’s, and the Alzheimer’s Association.

Avon Transforms Its Beauty Offerings New Avon, (“New Avon Company”) is putting a fresh face forward under the new ownership of parent company LG Household & Health Care, Ltd. While the iconic brand has a longstanding history of awardwinning products, industryleading innovation, and a network of 250,000 sales Representatives throughout North America, Avon will now have access to LG H&H’s world-class R&D capabilities in cosmetics, personal care, fragrance, hair care and packaging and design, allowing the brand to benefit from the cutting-edge technology and bestin-class quality of Korea’s leading consumer goods company. Under the LG H&H umbrella, Avon will unveil multiple cross-LG brand partnerships later this year,

MENSUSA.COM Discusses Latest Trends In Menswear

harnessing top Korean innovation, science, and technology like never before. Upcoming collaborations include Avon x THE FACE SHOP—a collection of skincare and makeup in exclusive shade ranges and new-to-Avon formats such as the Koreabeloved “cushion” formulations of foundation, highlighter, and blush. A flagship beauty brand for LG H& H, THE FACE SHOP is steeped in the concept of “luxurious naturalism,” and has been a driving force in the Korean cosmetics market since its December 2003 debut. There are currently 1200 THE FACE SHOP stores in Korea, stocked with popular sub-brands such as

PRNewsfoto/New Avon Company

DR. BELMEUR, a clean skincare range. “We couldn’t be more thrilled and excited about our new alliance with LG Household & Health,” said Evy deAngelis, head of sales enablement for New Avon. “As a company, Avon has always served two equally important constituencies: passionate consumers and our community of inspirational Representatives. Under the new ownership of LG H&H, known for its preeminence in technology and innovation, we’re able to offer our consumers and Representatives an unparalleled slate of new initiatives and product offerings.”

In addition to Avon x THE FACE SHOP, there’s another collaboration in the works: Avon x Chi, three hair care products crafted from a blend of certified organic botanicals including aloe vera, pomegranate, and hibiscus. Avon also plans to enact new programs to support upcoming launches as well as the greater brand in hopes of growing and diversifying their consumer and representative base. This includes a new reward program made with Swarovski® Created Diamonds that recognizes top team builders. While product offerings and partnerships may be modernizing, Avon will continue to empower women through economic opportunity and entrepreneurship. For more information, please visit www.avon.com.

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STYLES It’s true - first impressions do matter, and when it comes to presenting the best, most professional look for work and a night on the town, slim fit suits are still all the rage in America, particularly in larger, more cosmopolitan cities, with no sign of this trend losing steam or going out of style anytime soon. In both 2-piece and 3-piece ensembles, these suits present a look that project both poise under pressure and glowing confidence. For those who crave more attention, statement suits that declare one has arrived are a trend that continues to grow. These polished pieces utilize patterns and bold colors to maximum effect and get a man noticed out and about and on social media. COLORS While black and navy pinstripe suits that conjure up images of Wall Street should always have a place in a man’s closet, suits of color have never been more popular. On the West Coast, the slim-fit blue suit with contrasting light brown or orange-hued dress shoes (also known as the Hollywood Power Suit) still rules the streets of La La Land. Current trending colors include olive and burgundy, with off-white and white tuxedo jackets rising in popularity. FABRICS Polyester is the miracle synthetic fabric that works day or night. Although it does not breathe as well as other natural fabrics, polyester is lightweight and durable, and remains a go-to option for achieving the everyday guy look. Thicker fabrics such as wool and tweed breathe better than polyester and provide greater warmth during the chilly months ahead. Linen and cotton always work well for the warmer summer months when a man wants to present a look that is both stylish and chic (while sipping a martini perhaps - shaken not stirred, of course) although wrinkles in the fabric tend to appear early and often. Yet so too will the compliments. The MENSUSA.COM collection of fine men’s wear can be shopped online at https://www.mensusa.com/

CITIZEN | Chicago Weekend | Week of Oct. 23, 2019

NEWS

10 Acronyms Homebuyers Need to Know StatePoint - PMI, APR, LTV… these unfamiliar acronyms don’t need to bewilder or intimidate uninitiated homebuyers. To help you negotiate the homebuying process like a pro, Freddie Mac is sharing definitions of 10 key acronyms you’ll encounter as you meet with lenders, make a down payment and pay back your loan. 1. APR (Annual Percentage Rate): The APR tells you the annual cost of borrowing money based on the loan amount, interest rate and certain others fees. Use it as the bottom-line number to shop and compare rates among lenders. 2. FRM (Fixed-Rate Mortgage): The most common type of mortgage, an FRM, has an interest rate that doesn’t change, giving you stability over the life of the loan. 3. ARM (Adjustable-Rate Mortgage): An ARM usually offers lower monthly payments at the outset, but after three, five or seven years, payments change with interest rates and reset periodically. 4. LTV (Loan-to-Value): The LTV ratio equals the amount of money borrowed divided by the home’s appraised value. It shows how much of your home you own versus how much you owe, and lenders use it to help evaluate the risk and terms of your loan.

payment is essential for giving you a more accurate picture of the cost of homeownership than P&I alone. 9. UPB (Unpaid Principal Balance): The amount of principal still owed on a loan is referred to as UPB. On a typical monthly mortgage payment, a portion of your payment is applied to the interest and a portion is applied to the principal. The following month’s interest is based on your UPB. To check how much of your payment is going towards your principal, take a look at your amortization schedule. 10. HOA (Homeowners Association): Twenty percent of America’s homeowners live within a community governed by an HOA. Before buying in such a community, get a handle on how much its HOA fees are, what they cover, and how often payments are due. Typically paid monthly, quarterly, or annually, HOA fees may cover services such as trash removal, lawn care, pest control and maintenance for common areas. For more homebuying educational tools and resources, visit myhome.freddiemac.com. It’s easy to feel adrift in a sea of unfamiliar technical acronyms. But, studying your vocabulary now can mean greater confidence when it’s time to make one of the most important purchases of your life.

It’s easy to feel adrift in a sea of unfamiliar technical acronyms. But, studying your vocabulary now can mean greater confidence when it’s time to make one of the most important purchases of your life.

5. DTI (Debt-to-Income): Calculated by lenders to assess your ability to manage monthly payments and repay debts, DTI is the percentage of your monthly income that goes toward your monthly debt payments.

Moving Forward Together

Please join us at a Public Open House

6. PMI (Private Mortgage Insurance): For homebuyers making down payments that are less than 20 percent of the home purchase price, PMI is a required insurance that protects lenders from losses if borrowers are unable to pay their mortgage. PMI is typically incorporated into monthly mortgage payments.

Hosted by the Illinois Department of Transportation (IDOT) for the 75th Street Corridor Improvement Project (75th St. CIP). This project will deliver transportation, economic and environmental benefits in the Chicago neighborhoods of Ashburn, Englewood, Auburn Gresham and West Chatham. Attend the public open house to learn about the project’s status, design and construction timelines, local mobility improvements, educational opportunities for youth, job training and contracting opportunities, and property impacts and acquisitions. The 75th St. CIP project team will be there to discuss project exhibits and answer questions. A video presentation will be shown and continuously repeated.

7. P&I (Principal and Interest): This is the portion of your monthly mortgage payment that goes toward paying off the money you borrowed to buy your home. For most homeowners, P&I make up the majority of your monthly mortgage payment — but not all of it.

Wednesday, October 30, 2019 • 6 p.m. – 8 p.m. Freedom Temple Church of God in Christ 1459 West 74th Street • Chicago, IL 60636

The open house will be accessible to persons with disabilities. Anyone needing special assistance should contact 312-561-3140 extension 106. Persons planning to attend who will need a sign language interpreter or similar accommodations should notify the Illinois Department of Transportation’s TTY/ TTD number at (800) 526-0844/or 711 at least five days prior to the meeting.

Learn more about the 75th St. CIP at www.75thcip.org Questions? Contact info@75thcip.org.

8. PITI (Principal, Interest, Taxes and Insurance): Together, principal, interest, taxes and insurance make up your total monthly mortgage payment. Calculating your total monthly

ILLINOIS DEPARTMENT OF TRANSPORTATION CHICAGO DEPARTMENT OF TRANSPORTATION

ASSOCIATION OF AMERICAN RAILROADS COOK COUNTY DEPARTMENT OF TRANSPORTATION AND HIGHWAYS

www.thechicagocitizen.com CREATE Cgo Citizen ad.indd 1

10/14/19 11:04 AM

8 | CITIZEN | Chicago Weekend | Week of Oct. 23, 2019

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CITIZEN | Chicago Weekend | Week of Oct. 23, 2019

ENTERTAINMENT Gospel Icon Donnie McClurkin’s New Album A Different Song Available For Pre-Order Now

Multiple GRAMMY®, Stellar, and Dove Award-winning Gospel icon Donnie McClurkin has unveiled his forthcoming album, A Different Song (CamDon Music/RCA Inspiration), available for pre-order now.

Multiple GRAMMY®, Stellar, and Dove Award-winning Gospel icon Donnie McClurkin has unveiled his forthcoming album, A Different Song (CamDon Music/RCA Inspiration), available for preorder now. A Different Song marks the eighth solo album released from the legendary singer, songwriter, and producer, and features the poignant singles “Not Yet” and “There Is God.” The album will be released on Friday, November 15th. McClurkin, who penned eight songs and recorded most of the album live, has created eleven tracks that offer hope, breakthrough, and encouragement including “Pour My Praise On You,” “Let It Go,” “His Ways,” and more. His platinum-selling landmark album Live in London and More…, featured the powerful song “We Fall Down,” which remains a classic favorite anthem among fans around the world. In addition, McClurkin will celebrate the release of A Different Song and his 60th birthday in a blowout weekend this November at The Greater Allen A.M.E. Cathedral of New York. Tickets are on sale now for Donnie McClurkin’s 60th Birthday Celebration All Star Tribute Concert, which will take place on Saturday, November 16th and feature appearances from Kirk Franklin, CeCe Winans, Erica Campbell, Tasha Cobbs-Leonard, Kierra Sheard, and Jonathan McReynolds. Donnie McClurkin: A Different Song is available for pre-order at: https://donniemcclurkin.lnk.to/ADifferentSongAlbumVa

Donnie McClurkin: A Different Song Track List 1. I Will Call Upon the Lord 2. Worship Medley [Days Of Elijah, How Great Is Our God, Our God, Nobody Greater] 3. Pour My Praise On You 4. Every Tribe 5. There Is No Question 6. There Is God 7. Let It Go 8. His Ways 9. Not Yet 10. All to the Glory of God 11. I Won’t Complain To connect with Donnie McClurkin: https://www.donniemcclurkin.com/ https://www.facebook.com/DonnieMcClurkin https://twitter.com/Donnieradio https://www.instagram.com/donmac6453/ https://www.youtube.com/user/ DonnieMcClurkinShow/

Mary J. Blige’s ‘HERstory, Vol. 1’ To Be Released December 6 Via UMe Mary J. Blige, the legendary Grammy and Golden Globe winning and Oscar nominated singer-songwriter, actress, philanthropist and honorary Queen of Hip-Hop Soul, will release an immersive box set of her biggest 1990s hits along with rare remixes, HERstory, Vol. 1, on December 6 via UMe. The collection will be released in three physical forms: a set of eight standard-weight black 7” vinyl records, a 1CD version, a 2LP set and a digital version. From her solo 1992 hit “You Remind Me” to the 1993 remix of “What’s the 411” featuring K-Ci (of K-Ci and JoJo) and the Notorious B.I.G., HERstory, Vol. 1 tells the story of Blige as she first established herself as a tour de force of ‘90s R&B. Born in the Bronx and raised between Savannah, Georgia and Yonkers, New York, Blige caught the attention of Andre Harrell, cofounder of Uptown Records in 1988 when she recorded a cover of Anita Baker’s 1986 ballad “Caught Up in the Rapture” at the Galleria Mall HERstory, Vol. 1 Track Listing (8x7”) Side A 1. You Remind Me 2. You Remind Me (Bentley’s Mix) Side B 1. Real Love 2. Real Love (Hip Hop Mix feat. Notorious BIG) Side C 1. Reminisce (Bad Boy Remix) 2. Love No Limit (Puff Daddy Remix) Side D 1. You Don’t Have to Worry (Album Radio Mix) 2. You Don’t Have to Worry (Remix Main With Clean Rap) Side E 1. What’s the 411 (Puba Mix) 2. What’s the 411 (Notorious

in Westchester, New York. After a few years as a backing singer for Uptown artists like Father MC, she launched from the projects to stardom, recording her 3x platinum 1992 debut, What’s the 411?, with Sean “Puffy” Combs behind the board. 411’s singles “You Remind Me,” “Real Love,” “Reminisce” and “Love No Limit” are represented on HERstory, Vol. 1; the first in its original form, the latter three in remixes previously unreleased on 7” format. Blige followed up her classic debut with another knockout, My Life, which featured the singles “Be Happy,” “I’m Goin’ Down,” “Mary Jane (All Night Long),” “You Bring Me Joy” and “I Love You.” Like its predecessor, My Life went 3x platinum and gained rave reviews; Billboard called the album “sterling” and “You Bring Me Joy” “full of giddy street romance.” All five singles appear on the box set; “Mary Jane” in an LL Cool J and Diddy-assisted remix, and “I Love You” featuring the hip-hop duo Smif-N-

Mary J. Blige, the legendary Grammy and Golden Globe-winning and Oscar-nominated singer-songwriter, actress, philanthropist and honorary Queen of Hip-Hop Soul, will release an immersive box set of her biggest 1990s hits along with rare remixes, HERstory, Vol. 1, on December 6 via UMe.

BIG and K-Ci) Side F 1. Be Happy 2. Be Happy (Bad Boy Butter

Wesson. Also featured is “I’ll Be There for You/ You’re All I Need to Get By,” Blige’s 1995 duet with Method Man that won a Grammy Award for Best Rap Performance by a Duo or Group and rocketed to No. 3 on Billboard’s Hot 100. “Can’t Knock the Hustle,” the opening track on Jay-Z’s 1996 debut Reasonable Doubt, featuring Blige is featured on the CD and 2 LP versions. Blige wasn’t originally slated to appear on the song; when the plan for dance singer Veronica Vasquez to sing on “Hustle” fell through, Blige came through — and instantly made her mark on rap history. HERstory, Vol. 1 is full of these moments, in which an all-time great of R&B and hip-hop soul coalesced a variety of influences and became a global symbol of female empowerment and perseverance. HERstory, Vol. 1 provides the definitive look at the Queen of Hip-Hop Soul’s early in three unique formats.

Mix feat. Keith Murray) Side G 1. Mary Jane (All Night Long) 2. I Love You (Remix feat. Smif n Wesson) Side H 1. You Bring Me Joy 2. I’ll Be There For You/You’re All I Need to Get By (Puff Daddy Mix feat. Method Man) HERstory, Vol. 1 Track Listing (2LP) Side A 1. You Remind Me 2. Real Love (Hip-Hop Remix) 3. Reminisce (Bad Boy Remix) 4. Love No Limit (Puff Daddy Mix) Side B 1. You Don’t Have to Worry (Remix Main With Rap)

2. What’s the 411 (Puba Mix) 3. What’s the 411 (Notorious BIG and K-Ci) 4. Be Happy Side C 1. Mary Jane (All Night Long) (Remix feat. LL Cool J) 2. I Love You (Remix feat. Smif n Wesson) 3. I’m Goin’ Down 4. You Bring Me Joy (LP Version) Side D 1. I’ll Be There For You/You’re All I Need To Get By (Puff Daddy Mix feat. Method Man) 2. Everyday It Rains 3. Love Is All We Need 4. Can’t Knock The Hustle [Jay-Z] (** Available on physical versions only)

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Blige performing in 2003.

10 | CITIZEN | Chicago Weekend | Week of Oct. 23, 2019

CALENDAR

Live showcase of up-and-coming local talent will take place on Saturday, October 26 The City of Chicago’s Department of Cultural Affairs and Special Events (DCASE) has announced the 14 local artists and bands selected to participate in the 2019 ChicagoMade A&R Auditions. The epic, live showcase of up-and-coming local talent will take place on Saturday, October 26, Noon–4pm in the Claudia Cassidy Theater of the Chicago Cultural Center (78 E. Washington St.). A limited number of artists were selected from more than 170 applications submitted to DCASE in September. The showcase is FREE and open to the public. Kosine, the nine-time Grammy® Award-nominated producer and songwriter, Beats 1 Radio personality, and motivational speaker, will serve as program emcee. He is behind some of the biggest hits for Nikki Minaj, Rihanna, Big Sean, Justin Bieber, Nas, and many more. An open call took place in September for all Chicagoland-

based artists and bands of all music genres, age 14 and up, to apply for audition spots. From the submissions received, a limited number of artists were selected by a panel of industry professionals to showcase their work on October 26. The selected artists will perform live in front of A&R (Artist & Repertoire) executives from major and independent record labels to be considered for the following possible opportunities: * A talent consultation with Radio’s Disney Network’s Phil Guerini, with possible performance opportunity on a Radio Disney-hosted show and/or an on-air interview and “First Listen” of your song on Radio Disney * A meeting in Nashville, Tennesee, with Curb Records A&R staff member * Performance opportunities at the 40th Annual Taste of Chicago in Grant Park * Four hours of studio time at the legendary Chicago

Recording Company Studios 2019 Participating A&R Executives * Tuo Clark, Senior Vice President A&R, Def Jam Records. Clark is responsible for oversight of select artist projects and is one-half of the Grammy®-nominated Da Internz Production Duo. * Phil Guerini, Vice President, Music Strategy Disney Channel World Wide & GM, Radio Disney Network. Guerini oversees the music strategy of the DCWW networks, including Disney Channel, Disney XD, Disney Junior, and all aspects of Radio Disney programming. * Laurel Kittleson, Vice President of Artists Development and A&R at Curb Records. Kittleson develops new artists and cultivates new talent for the label. * Rose Razal, Executive Producer at the Chicago Recording Company. The Chicago Recording Company

ChicagoMade A&R Audition photos from 2017 and 2018

has been in operation since 1975 and remains one of the music industry’s most legendary recording studios today. 2019 Artists/Bands and Genre * Hobbyist–Alternative Rock * NDPNDNT–Hip Hop * King Melik–Hip Hop * Ausar–Hip Hop * Candy Irene–Hip Hop * Rylie Jobe–Pop * Leo Sclamberg–Pop * Opal Staples–R&B * Cuckoo Baby–Pop * London Lo–R&B * Angéle Anise–R&B * Kiara Lanier–R&B * Peter Jericho–World Music * Superstar Patience–Pop Absolutely no walk-in

auditions will be allowed on October 26. DCASE does not guarantee any audition outcomes. If interested, music label representatives will contact participants directly. There is no cost to the artists to apply or to audition through this program. For complete details and updates visit cityofchicago. org/dcase and follow the Department of Cultural Affairs and Special Events or Creative Chicago–Music on Facebook and Twitter @CreativChiMusic or @ChicagoDCASE. Chicago Department of Cultural Affairs and Special Events The Department of Cultural

Affairs and Special Events (DCASE) is dedicated to enriching Chicago’s artistic vitality and cultural vibrancy. This includes fostering the development of Chicago’s non-profit arts sector, independent working artists and for-profit arts businesses; providing a framework to guide the City’s future cultural and economic growth, via the 2012 Chicago Cultural Plan; marketing the City’s cultural assets to a worldwide audience; and presenting high-quality, free and affordable cultural programs for residents and visitors. For more information, visit cityofchicago.org/dcase.

River Roast Offering Dream Wedding To One Lucky Couple Campﬁre Horrors at Northerly Island On Friday, October 25, the Chicago Park District will hold a screening of the movie, Interview with the Vampire, (R) at 7 p.m. as part of its 4th annual outdoor horror movie series, ‘Campfire Horrors.’ The screening will take place at Northerly Island, located on 1521 S. Linn White Dr. In the movie, a nearly 200-year-old vampire recounts the incredible story of his transformation and the unbelievable events of his very long life to a sceptic reporter. In the event of inclement

weather, the screening will be moved indoors to the Northerly Island Visitors Center. Movies in the Park’s ‘Campfire Horrors’ film series is presented as part of the Chicago Park District’s Night Out in the Parks, a yearround event series featuring more than 1,200 citywide cultural and arts activities, including more than 200 movie screenings each year. The Campfire Horrors film series is supported by Mars Wrigley, Xfinity and WTTW. For more information, visit www.chicagoparkdistrict. com/halloween.

River Roast, one of Chicago’s top destinations for dazzling riverfront weddings and events, is partnering with Brides Across America to offer a once in a lifetime opportunity for one lucky couple to win the wedding of their dreams. Through November 6th, Brides Across America, a non-profit organization dedicated to gifting weddings and wedding gowns to heroic military and first responders across the country, will accept online submissions for the contest to win a deluxe Stars and Stripes wedding package at River Roast for up to 220 guests. The Stars and Stripes ultimate wedding package will highlight amazing bridal amenities for either a Riverside or Brunch Reception: Riverside Reception Five-hour reception for up to 220 guests in River Roast’s newly renovated event space, overlooking the Chicago River A three-course dinner showcasing unique contemporary American fare, prepared by the award-winning culinary team at River Roast

Four-hour bar package, one-hour dinner wine service, sparkling wine toast Décor including house chairs, white linen tablecloths and napkins, and votive candles Personalized menus at each seat Brunch Reception Four-hour reception for up to 220 guests in River Roast’s newly renovated event space, overlooking the Chicago River

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Four passed hors d’oeuvres during cocktail hour Chef ’s table prepared by the River Roast culinary team Four-hour bar package including bloody marys and mimosas Complimentary votive candles River Roast will also work with vendors and partners for other wedding-related necessities such as music, décor, photography, flowers, and ceremony needs, on a donation or low-cost basis. Additionally, the winner will receive a custom cake from Bittersweet Pastry, and a bridal gown and tuxedo, courtesy of Brides Across America and Volle’s Bridal. Online submissions will be taken for the Stars and Stripes wedding package contest through November 6th, 2019. Applicants must be military service members, or a police, fire, or an emergency response professional who is on active duty or who has been active within the last five years. Full contest rules and details are available by visiting the contest online at: https://bridesacrossamerica. webflow.io/events/landing/stars-stripeswedding-river-roast-chicago

CITIZEN | Chicago Weekend | Week of Oct. 23, 2019

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personal finance classes, a new survey suggests that generation Z is on board with the trend. Seventy-six percent of recent high school graduates agree personal finance education should be required, according to a national survey by Experian. The survey, among 18 and 19-year-olds, revealed that 46 percent say they have a lot of unanswered questions about money and finances, and feel “uncertain” and “nervous,” when it comes to managing finances. To launch a successful financial future, consider the following tips:

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LEGAL Notice is hereby given, pursuant to “An Act in relation to the use of an Assumed Business Name in the conduct or transaction of Business in the State,” as amended, that a certification was registered by the undersigned with the County Clerk of Cook County. Registration Number: Y19002252 on September 26, 2019. Under the Assumed Business Name of THE OFFICIAL PAINTING IT PINK EVENTS with the business located at: 9653 S. YALE, CHICAGO, ILLINOIS 60628. The true and real full name (S) and residence address of the owner (s)/ partner (s) is: Owner/Partner Full Name: DONNA C. LAWRENCE. Complete Address 9653 S. YALE, CHICAGO, ILLINOIS 60628, USA. __________________________________

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PERSONAL FINANCE Adulting: Financial Tips for Gen Z (StatePoint) As more states nationwide adopt laws requiring high schools to offer

• Learn Credit Card Basics: Before leveraging the benefits of a credit card, understand the terms and conditions and the potential impact it can have on your credit score. Read the paperwork thoroughly and ask a parent or friend to help you with anything you don’t understand. Only use credit for an amount you can pay off entirely each statement. Interest rates are high, so you don’t want to be paying more for what you purchase. • Study Student Loan Requirements: Study the different types of student loans available, and then run the numbers. Before borrowing a dime, figure out what your payments are actually likely to be, and make sure you can truly afford to borrow without putting other financial necessities at risk. • Open a Checking Account: You can open a checking account by filling out an application online or in person, usually in just a few minutes, as long as you have the necessary documentation banks require. The bank will issue you a debit card, allowing you to pay for items using funds from your account. Monitor the flow of funds by checking your account online frequently. • Monitor Credit Scores: There are three national credit bureaus that may have a credit report file for you once you start using credit. What’s in your file is what is used to calculate a credit score that lenders look at to determine if you’re a good candidate for credit. You can obtain a free credit report annually at annualcreditreport.com. If you’re responsible for your cell phone bill and utility bills, consider using Experian Boost – a free online tool – to add these accounts to your Experian credit file and potentially increase your credit score instantly. A consistent history of on-time payments may increase your credit score. • Budget: Learning to budget is essential, teaching you to set goals, live within your means and manage your money responsibly. Create a spreadsheet and review it on an ongoing basis. • Use New Tech Tools: Unfortunately, the topic of money management doesn’t always appeal to young people. Only 38 percent of those surveyed find personal finance topics interesting. Luckily, techdriven tools like apps and YouTube tutorials are making financial education more interesting and accessible to generation Z. More tips for getting financially savvy, can be found at experian.com/education. “Understanding money basics means not having to learn financial lessons the hard way,” says Rod Griffin, director of public education for Experian. “It’s important that we reach students early, before they start making decisions about student loans, credit cards, buying a car and renting an apartment.” __________________________________

EDUCATION Helpful Hacks to Ease School Hassles (StatePoint) Whether your life revolves around cubby holes and recess or rolling campus hills and term papers, helpful hacks can ensure students, teachers and families are organized in dorm rooms, classrooms and households. It’s all about having supplies on hand that keep items tidy and make cleaning easier. Even regular household staples can be repurposed to help students stay organized. For instance, plastic cups in a muffin tin can become an instant art supply holder, and binder clips can separate tangled cords and chargers. An over-the-door shoe organizer can make for great storage space

for snacks or other dorm room essentials. When heading to the store, consider versatile products like EasyLiner brand shelf liners by Duck brand, which can be used to line desk drawers, protect craft tables, decorate mini dorm room fridges and more to help items stay in place, guard against spills and add a touch of personal style. Shelf liners can even be used to make book covers and mouse pads. With proper organization and the right tools, everyone can concentrate on school work and a successful year. __________________________________

Darrell Garth

President /Publisher

Janice Garth

Sales Manager General Manager

Editorial

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12 | CITIZEN | Chicago Weekend | Week of Oct. 23, 2019

October is Breast Cancer Awareness Month! “Saluting the Struggle and Encouraging the Fight “ Stay Informed… Men and Woman Get Tested Annually...