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November 4, 2020

LOCAL CHURCHES

TO BE ADDED, EMAIL ERICAW@MYSHOPPER.BIZ BETHEL CHURCH

3500 Glenwood-Lansing Rd, Lansing (West of Wentworth Avenue) 708-474-9226 www.discoverbethel.org facebook.com/BethelChurchLansing PASTOR JASON NELSON PASTOR CAL AARDSMA PASTOR SHAUN BUIKEMA WORSHIP SERVICES Worship Services .................... 9:30 a.m. ................................................. 5:00 p.m.

Church School......................... 9:45 a.m.

CALVARY COMMUNITY CHURCH

16341 South Park Ave., South Holland 708-339-1133 Info@CalvarySouthHolland.org CalvarySouthHolland.org PASTOR ALFONZO SURRETT, SR. WORSHIP SERVICES Sunday Worship ...................... 9:30 a.m.

Sunday School ...................... 11:15 a.m.

Monday Women’s Bible Study 9:30 a.m.

Tuesday Adult Bible Study 7:00p.m.

Saturday Women’s Grief & Loss Support Group 10:00 a.m.

CHRIST COMMUNITY CHURCH, COGIC

1151 E. 170th St., South Holland 708-331-8389 FAX 708.331.8374 Admin@ChristCommunityCOGIC.org ChristCommunityCOGIC.org PASTOR DR. CARL E. KING, SR. WORSHIP SERVICES SUNDAY Church School......................... 8:45 a.m.

Worship Services .................. 10:30 a.m.

MONDAY Prayer…… ............................... 6:30 p.m.

TUESDAY Morning Manna ..................... 11:30 a.m.

WEDNESDAY Prayer…................................... 6:30 p.m.

Bible Study…… ....................... 7:00 p.m.

COVENANT UNITED CHURCH OF CHRIST

1130 East 154th St., South Holland 708-333-5955 www.covucc.org PASTOR REV. DR. OZZIE E. SMITH, JR. WORSHIP SERVICES Sunday School ........................ 9:15 a.m.

Sunday Worship ...................... 7:30 a.m. ............................................... 11:00 a.m.

Wed. Bible Study ......................... Noon Thursday Prayer/Bible Study .. 7:14 p.m.

FIRST CHURCH (PCA)

3134 Ridge Rd, Lansing 708-474-9610 www.firstchurchpca.org PASTOR BEN KAPPERS Morning Worship ..................... 9:30 a.m.

Sunday School ...................... 11:00 a.m.

Evening Worship ..................... 5:30 p.m.

FIRST CHRISTIAN REFORMED CHURCH

163rd & South Park Ave., South Holland 708-333-8211 www.firstchurchsh.org PASTOR REV. DANIEL SVENDSEN WORSHIP SERVICES Sunday ................ 9:30 a.m. & 5:30 p.m.

Sunday School ...................... 11:00 a.m.

FIRST REFORMED CHURCH

15924 South Park Ave., South Holland 708-333-0622 www.frcsh.org REV. JAMES OORD, SENIOR PASTOR PASTOR COREY BUCHANAN, Director of Mercy & Justice Ministries ANTHONY BOLKEMA, Director of Worship & Student Life REV. DR. RICH GREVENGOED, Director of Pastoral Care & Counseling WORSHIP SERVICES Sunday Worship ...................... 9:30 a.m.

Sunday School ...................... 11:00 a.m.

KING’S COMMUNITY CHURCH

600 West Route 6, South Holland 708-333-5444 kingscommunity.ch WORSHIP SERVICES Sunday 10:00 a.m.

Sunday School ........................ 9:00 a.m.

Wednesday.............................. 7:30 p.m.

LYNWOOD UNITED REFORMED CHURCH

1990 E. Glenwood-Dyer Rd, Lynwood 708-474-4100 www.lynwoodurc.org PASTOR REV. NICK ALONS WORSHIP SERVICES Sunday ............. 9:30 a.m. & 5:00 p.m. ..

RECONCILIATION CHURCH

833 East 168th St., South Holland 708-331-7755 www.reconciliationchurch.org PASTOR GLEN MCCARTHY WORSHIP SERVICES Sunday Worship .................... 10:00 a.m.

Wednesday Bible Study .......... 7:00 p.m.

REDEEMER LUTHERAN CHURCH 651 East 166th St., South Holland 708-331-4100 redeemer-lutheran@sbcglobal.net WORSHIP SERVICES Sunday .................................... 9:30 a.m.

Sunday School ...................... 10:45 a.m.

Channel 6 Tues. .................... 10:00 a.m.

SPIRIT OF GOD FELLOWSHIP

16350 S. State St., South Holland 708-331-1234 sogfchurch.com PASTOR BRIAN KAMSTRA WORSHIP SERVICES Sunday Worship .................... 10:00 a.m.

Sunday School ........................ 9:00 a.m.

Say I saw it in The Shopper

VERSE OF THE WEEK

…we take captive every thought to make it obedient to Christ.

— 2 Corinthians 10:5

Attend the church of your choice.

An independent newspaper serving this area since 1957. ©The Shopper 924 E. 162nd Street • South Holland, IL 60473 HOW TO REACH US Phone: 708-271-8971 Web Page: www.myshopper.biz Email: general@myshopper.biz CIRCULATION Published every week covering the towns of South Holland/Thornton, Lansing, Dolton/Calumet City, Munster, Highland, and Schererville.

Our circulation is independently audited by CAC. ERRORS We proofread all Classified ads. However, should a mistake occur, it can easily be corrected, provided it is brought to our attention. Call 708-271-8971 to rectify an error. We cannot be responsible for more than one incorrect insertion.

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DEADLINE Friday 4:00 pm for the following week’s issue.

PUBLISHER’S NOTICE The Shopper reserves the right to edit any content supplied for publication as it sees fit, including but not limited to clarity, grammatical and factual accuracy, and to accommodate available space. All real estate advertising in this newspaper is subject to Fair Housing Laws which makes it illegal to advertise “any preference, limitation or discrimination based on race, color, religion, sex, national origin, familial status, sexual orientation, marital status, military status, age, ancestry, parental status, source of income, military discharge status or housing status,” no matter how large or small the property. This newspaper will not knowingly accept any advertising for real estate which is in violation of the law. Our readers are hereby informed that all dwellings advertised in this newspaper are available on an equal opportunity basis. To complain of discrimination call HUD toll-free at 1-800-669-9777. The toll-free telephone number for the hearing impaired is 1-800-927-9275.

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November 4, 2020

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Grants Given to IL Colleges to Sam’s Club Pharmacy Partners Help Students in Need with DoorDash for Delivery The Illinois Board of Higher Education is awarding grants to nine colleges and universities which will target equity in recruitment and retention. The $3 million in funding comes from the Governor’s Emergency Education Relief (GEER) Fund for use in Financial Year 2021.

“As part of our laser focus on equity, IBHE, in conjunction with Gov. JB Pritzker’s Office, will use these dollars to support students with the greatest need,” said Ginger Ostro, executive director, IBHE. “Each of the institutions is demonstrating evidence-based efforts to recruit and retain first-generation, low-income, underrepresented, and rural students. The bottom line is that we want these students to stay the course.”

The institutions will support the students’ progress toward degree completion by closing digital equity gaps, providing targeted, academic, and social/emotional supports through peer mentoring and other innovative efforts. This includes equipment checkout efforts, enhanced financial and career literacy programs, intensive language instruction, childcare assistance, increased campus food pantry supplies, and telehealth.

Grantees are: Eastern Illinois University – $41,693 Eureka College – $165,424 Governors State University – $456,286 Lewis University – $446,891 Lincoln College – $375,948 National Louis University – $444,094 Northern Illinois University – $456,286 Northeastern Illinois University – $456,286 St. Xavier University – $157,092 Stephanie Bernoteit, deputy executive director, IBHE, said, “This funding originally comes to Illinois from the federal Coronavirus Aid, Relief, and Economic Security (CARES) Act, and we know from working with colleges and universities across the state that COVID-19 has brought to light many inequities for at-risk students. We are pleased that Illinois could dedicate some of those dollars for programs designed to increase post-secondary attainment for that group of potential and returning students.”

The grant program was open to all four-year Illinois public and private/non-profit institutions of higher education holding accreditation through the Higher Learning Commission.

On Oct. 30 Sam’s Club announced it is partnering with DoorDash to offer same-day pharmaceutical delivery across the country.

This first-of-its-kind pharmaceutical delivery experience from DoorDash covers more than 500 Sam’s Club locations across 41 states in the U.S., and is powered exclusively through Drive, DoorDash’s white-label fulfillment platform that powers direct delivery for business partners.

Sam’s Club members can receive free delivery on their first two pharmacy orders until Jan. 31, 2022. After this promotion is utilized or expires, delivery will carry a flat fee of $7.99 for all patients.

To experience the new service, patients can call their local Sam’s Club Pharmacies and speak to a Sam’s Club Pharmacist to schedule delivery. Through the DoorDash Drive integration, Dashers will fulfill eligible pharmacy order deliveries from Sam’s Club.

Sam’s Club is taking steps to make Rx delivery options available in the Sam’s Club app in the first half of 2021.

“Our partnership with DoorDash to launch this new service allows us to not only give our members more convenient healthcare options, but also delivers on our commitment to their overall wellness needs,” said John McDowell, Vice President, Pharmacy Operations and Divisional Merchandise, Sam’s Club. “Sam’s Club has always adapted to our members changing needs, and that’s never been truer than today as we continue to evolve our ways of shopping to help them live healthier, happier lives.”

Sam’s Club’s pharmacy services have ranked highest in customer satisfaction with

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mass merchandiser pharmacies five years in a row, according to the J.D. Power 2020 U.S. Pharmacy Study*, and the warehouse club is constantly looking for new ways to improve and innovate the member experience.

“Businesses have evolved amidst the pandemic to prioritize the safety of their communities and to adapt to new consumer habits, and our goal is to help merchants meet those demands in a way that’s best for their business,” said Christopher Payne, Chief Operating Officer, DoorDash. “Same-day pharmaceutical deliveries have never been more important in today’s health climate, and we’re incredibly honored to team up with Sam’s Club to make that option a reality for their business and for their customers.

Through this partnership, Sam’s Club can continue to provide the quality and service their patients expect, made even more reliable and safe with store-to-door delivery powered

by DoorDash.”

This marks DoorDash’s first pharmaceutical partnership of this kind at scale, launching with one of the nation’s leading wholesale clubs. Sam’s Club chose DoorDash for its commitment to quality logistics, vast geographic footprint in the U.S., and reputation for providing a reliable, on-time delivery platform.

Learn more about the terms and conditions here: https://help.samsclub.com/app/answers/ detail/a_id/3136 *Sam’s Club Pharmacies received the highest score among mass merchandiser pharmacies in the J.D. Power 2012, 2014, 2016-2020 U.S. Pharmacy Study of customers’ satisfaction with their pharmacy. Visit jdpower.com/awards

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November 4, 2020

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Library Happenings Dolton Public Library District

Address: 14037 Lincoln Ave, Dolton, IL Phone: 708-849-2385 Email: lincoln@doltonpubliclibrary.org Website: www.doltonpubliclibrary.org Dolton Public Library District has extended their Curbside Library Pickup Hours to that of Mon. – Sat. at 10am to 12noon and 3pm to 5pm. Pick up a free mask and hand sanitizer (1 per person) 10:00am to 12Noon at Curbside Pickup.

The Shopper Pick up your print weekly Shopper Newspaper at DPLD outside the library (by handicapped parking) or read it online at https://issuu. com/myshopper Creative Bug Learn how to quilt, paint, jewerlry making, crocheting, and many other crafty hobbies, free of charge. All that is needed is a DPLD library card and you can join in the classes as often as you wish. Go to www.doltonpubliclibrary.org under Electronic Media.

Ducksters Education Site Gain access to kid friendly educational games and subjects in the areas of History, Geography, Biograhies and Science. To register for Ducksters go through the calendar of events on our website at www.doltonpubliclibrary. org. Starts October 7, 2020. Available Daily.

Lynda/LinkedIn Use one of the library’s newest resources on the Dolton Public Library’s website, www. doltonpubliclibrary.org. You can use ynda/ LinkedIn to learn new job skills to recreate yourself, or to just learn some of the basics such as Word, Excel, Access, or Power Point.

Practice Drivers Tests Dolton Public Library District and the Illinois Secretary of State would like to assist you in your study of the Illinois Driver’s Test. Go to the DPLD website www.doltonpubliclibrary. org and tab to Youth Services and High Schoolers that leads to Practice Drivers Tests.

Tuesdays

Senior Bridge Club Tuesdays from 4pm - 5pm with instructor Frank Williams hosting. Register by calling 708-849-2385 or email at lincoln@ doltonpubliclibrary.org and leave your full name, email and cell phone to register.

Wednesdays

Virtual StoryTime with Mrs. Brooks Every 1st Wednesday from 10am – 10:30am.

Come and join in the storytime with Mrs. Brooks. For ages 3 - 12. Will begin October 7, 2020. To register for the Virtual Storytime go through the calendar of events on our website at www.doltonpubliclibrary.org

Virtual Senior Yoga Every Wednesday from 4pm to 5pm. Taught

by Dionne Arnold, Certified Yoga Instructor, Please call 708-849-2385 or email lincoln@ doltonpubliclibrary.org and leave your full name, email and phone number to register.

Thursdays

Virtual Line Dancing with Dawn the Dancin’ Diva Join us LIVE on Thursdays at 6pm. Come dance with Dawn the Dancing Diva. Register by calling 708-849-2385 or email lincoln@ doltonpubliclibrary.org and provide your full name and phone number or email. A link will be sent to you the day of the program.

Virtual Bingo for Seniors Every 2nd and 4th Thursday at 11:00am. To register, call 708-849-2385 or email lincoln@ doltonpubliclibrary.org and provide your full name and phone number or email address.

Black Author’s Book Club Meets via Zoom the last Thursday of every month at 7:00pm. Interested parties contact the library at 708-849-2385 for more information. November book is The Ancient Nine by Ian K. Smith The Virtual Game Station A virtual station of various games will be available to children to enjoy on Thursdays, 3:00pm to 5:00pm. Games such as Uno, ChessKids, Starfall and CBC Kids will be available for children to play. To register for the Game Station go through the calendar of events on our website at www.doltonpubliclibrary.org Coffee & Chat Every 1st and 3rd Thursday at 11am. The community comes together and just talks about what is happening all around while sipping some java. Chat will be held via Zoom and link will be sent out the day of the program. To register, call 708-849-2385 or email lincoln@doltonpubliclibrary.org and leave your full name, email and phone number.

Fridays

Virtual Zumba Fridays at 5pm. Join us for some fun with licensed instructor Yvette Roberts. Register by calling 708-849-2385 or email lincoln@ doltonpubliclibrary.org and provide your full name and phone number or email.

Saturdays

Pokemon Virtual Escape Room Oh no! Ash and Pikachu are trapped! Can you answer the questions correctly and help them ESCAPE? For ages 6 - 12. Every Saturday from 4:00pm to 6:00pm. To register for the Pokeman Virtual Escape Room go through the calendar of events on our website at www. doltonpubliclibrary.org

Saturday Cooking with Chef Jazzy John Every other Saturday, learn how to cook some appetizing meals. Register for the cooking program by calling 708-849-2385 or emailing lincoln@doltonpubliclibrary.org and leaving your name, cell number and email address.

The link will be sent to you 1 hour before the program.

Teen Kahoot Show your skills and knowledge in the field of music! Happens every Saturday from 1:30pm - 2pm. Check out the DPLD website for more registration information.

Virtual Senior Yoga Every Friday from 4pm - 5pm taught by Dionne Arnold, Certified Yoga Instructor.

Please call 708-849-2385 or email lincoln@ doltonpubliclibrary.org and leave your full name, email and phone number to register.

Sundays

Pokemon Virtual Escape Room Oh no! Ash and Pikachu are trapped! Can you answer the questions correctly and help them ESCAPE? For ages 6 - 12. Every Sunday from 4:00pm to 6:00pm. To register for the Pokeman Virtual Escape Room go through the calendar of events on our website at www. doltonpubliclibrary.org

Wednesday, November 11

Shelter at Home Virtual Senior Gardening: Growing Herbs Indoors 1pm - 2pm Come join with us at Dolton Public Library District and learn virtually how to grow your own herbs to use in your food. Call 708-849-2385 or email Lincoln@ doltonpubliclibrary to register and leave your full name, phone number and email. Program will be held via Zoom and link sent to your day of program.

Hammond Public Library

Address: 564 State St., Hammond Phone: (219) 931-5100, ext. 310 or 307 Email: swishl@hammond.lib.in.us Website: www.hammond.lib.in.us Fire Prevention Week Do you know how to prevent fires? This week, the Hammond Public Library is offering an activity packet (one per family), which includes an information sheet, activity or craft, and a booklist, while supplies last. The library is at.

in the Calumet Region.” Live attendance is limited, and registration is required by signing up at http://hammond.evanced.info/admin/ signup/Calendar. You may also view the meeting virtually on Zoom at https://tinyurl. com/FriendsHHS

South Holland Public Library

Address: 16250 Wausau Ave., South Holland IL Phone: 708-527-3160 or 708-580-6161 Email: library@southhollandlibrary.org Website: shlibrary.org/events-calendar.

ABOUT COMPUTER CLASSES Due to the Library not having in-house programming we are providing computer instructions through videos uploaded to various websites. Each tutorial will be posted on our website, our Facebook page, and our YouTube page. Upon registering for the class you will receive program links. For additional information, contact the Information Desk at 708-527-3160.

A NOTE ABOUT ZOOM PROGRAMMING Once registered for a Zoom program, you will be given log-in and password information.

You will also receive the information in a program reminder(via email).

Lansing Public Library

Address: 2750 Indiana Ave., Lansing IL Phone: 708-474-2447 Email: shari@lansingpl.org Website: www.lansingpl.org Online At Any Time! Electronic Resources at the Lansing Public Library on Facebook Live 2:00 p.m. to 3:00 p.m. In this live class, we will give you a “greatest hits” of the many free online resources available to use with just your Lansing Library card! Prerequisite: Introductory knowledge of Internet browsing. Visit https://www.facebook.com/ LansingPublicLibrary to attend. This is a virtual event. ................

Email your library events (text only) to general@myshopper.biz

Saturday, November 7

Friends of the Library/Hammond Historical Society Joint Meeting At 10 a.m. the Friends of the Library and the Hammond Historical Society plan a joint meeting. Dr. Larry McClellan and Tom Shepherd present “The Underground Railroad

Study Shows Cook County Property Tax Bills Doubling Since 2001 Cook County Treasurer Maria Pappas has released an unprecedented study of property taxes that shows the county’s tax bills virtually doubling over 20 years, an increase that is nearly triple the rise in the cost of living index.

“The Pappas Study” is a painstaking examination of tax bills on Cook County’s 1.7 million parcels of property that shows the increase of total taxes over the past 20 years, and allows taxpayers to see the increases in bills on their homes, businesses and land.

The study is posted on cookcountytreasurer.com with a research tool allowing owners to see “how local governments taxed property and people have paid the tax bill” over two decades, Pappas said.

“This website tool gives taxpayers a sobering reminder of what they have paid every year going back 20 years,” she said. “In the midst of the pandemic and a recession, local governments should take their foot off the gas pedal and stop raising property taxes.”

While the cost of living has risen just 36 percent over 20 years, the findings of the Pappas Study include: • In all of Cook County, total taxes billed increased 99 percent, from $7.85 billion to $15.58 billion • In Chicago, total taxes on residential properties skyrocketed 164 percent, from $1.33 billion to $3.51 billion • In Chicago, total taxes on commercial properties rose 81 percent, from $1.92 billion to $3.48 billion • In suburban Cook County, total taxes on residential properties jumped 116 percent, from $2.45 billion to $5.29 billion • In suburban Cook County, total taxes on commercial properties rose 53 percent, from $2.15 billion to $3.30 billion “Because the study lets us see what government has done in the past, we might be able to chart a better, less costly future,” Pappas said. “Government cannot just raise taxes and

hope for the best.”

Cook County has 2,200 local government agencies, such as school districts, townships, parks, libraries, public health and safety agencies. The study analyzes total property taxes billed in the county’s 135 cities and villages by those 2,200 agencies.

Pappas: 20-year tax history search adds to cookcountytreasurer.com To see your property tax payment history over 20 years, visit cookcountytreasurer.com and follow these steps: Select the purple box labeled “Your Property Tax Overview” Enter your address or Property Index Number (PIN) Select the tab on the left that says “20-Year Tax Bill History” See an interactive map that shows how property taxes billed have increased in Chicago wards and suburbs since 2001 “Has it been worth it?” Pappas said. “There’s no longer any ignoring that question in a pandemic, not from homeowners who pay the taxes and not from the local officials who raise the taxes.”

November is National Alzheimer’s Awareness Month. Help is out there.

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November 4, 2020

SUDOKU

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CROSSWORD

Puzzle 1 (Medium, difficulty rating 0.56)

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Puzzle 1 (Medium, difficulty rating 0.56)

SOLUTIONS

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Waylon Jennings

RebaWillie McEntire Nelson Shania Twain Tanya Tucker Waylon Jennings Willie Nelson

Roll With The Punches This saying refers to resilience to difficulty or hardship. From the boxing world, the term is used to explain how boxers will turn or swivel to help lessen the impact of a blow. From The Boston Daily Globe, 1903: “Johnson allowed his head to roll with the punches and was not hurt. Johnson’s round.”

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SOLVE THE MAZE

Generated by http://www.opensky.ca/sudoku on Thu Sep 3 01:05:06 2020 GMT. Enjoy!

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DOWN 1. Regurgitated food in a ruminant 2. 1 3. Flange 4. Gunk 5. Entrails 6. A range of male singing 7. Mild 8. Loose sleeveless cloaks 9. Drench 10. A daughter of Agamemnon (Greek mythology) 11. Reddish brown dye 12. Evade 13. Clemency 18. Stalk 22. Affirmative 23. Consent 24. Sketched 25. Found on the necks of horses 26. Writing fluids 27. Western Samoan monetary unit 29. A Siouan people 30. A nocturnal ungulate of southeast Asia 31. Shells of ships 34. Anagram of “Leaps” 35. Chieftain 36. Stuffed bear 38. A very small arachnid 39. Soil 41. Symptomatic of a cold 42. Examines 43. Irritate 44. A Maori weapon 45. Anagram of “Timed” 46. Avoid 47. Furze 50. Infant 51. Found in some skin lotions 52. Zero 55. Member of the moose family 56. Mesh 57. Earned Run Average 58. “Dear ___” 59. Perceive visually

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Announcements are free and run in The Shopper each week. They are accepted by e-mail at general@myshopper.biz, or at the front counter. Deadline is Friday at 4:00 p.m. for the following Thursday’s edition. The Shopper reserves the right to edit all content.

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November 4, 2020

Say I saw it in The Shopper

How Women-Led Hedge Firms IL to Hold Jury Selection for Can Gain Value Civil Trials Via Video Conference can be subtle, and sometimes individuals are completely oblivious to the underlying current of bias in their behavior and the language and phrases they use,” Nolan says. “The first step is awareness.There are illuminating tools for identifying unconscious bias like the implicit association test on social attitudes designed

by Harvard University.”

Undertake mentoring and sponsorship.

“If the firm is a small start-up, or there is a lack of senior women, explore the possibility of cross-firm mentoring programs,” Nolan says.

“To assist on every level, reverse mentoring should be considered. Pairing younger employees with executive team members to mentor them on various topics of strategic and cultural relevance will educate and transform the mindset of the whole firm.”

Emphasize next-level success. This action pertains to retaining and advancing women in the business structure. “Women need to see a viable path towards career progression laying the foundation for success,” Nolan says. “There should be a focus on the promotion process and transparency to ensure that women have equal opportunities for advancement.”

Give female representation on the board.

Firms can enhance gender diversity by having a skilled professional female independent director serving on the board of directors and advisory boards of fund structures. “This can boost investor perceptions around inclusion as well as shift perspectives,” Nolan says.

“Diversity, particularly gender diversity, is still one of this industry’s biggest challenges,” Nolan says. “Women continue to show the value they bring to the table, and to leave them out of leadership is leaving money on the table.”

Allison Nolan (www.athena.ky) is the founder and managing director of Athena International Management Limited, an award-winning boutique governance provider offering experienced independent directors to the international alternative investment funds community. She is the author of the upcoming book, Madam Chair, which discusses the transformation that enhanced gender diversity and inclusion can bring to the hedge fund industry. Nolan has been a director of regulated entities since 2002 and has served as a full-time professional independent director since 2005. She serves as the Chair of the Education Committee of the Alternative Investment Managers Association in the Cayman Islands and has contributed to several legal journals and industry publications.

The hedge fund industry is dominated by men, with women and minorities controlling only a small fraction of U.S.-based assets.

Some financial observers say fixing this gender imbalance is long overdue. They bolster their argument with data showing hedge funds run by women have performed well in recent years, including during the pandemic, when they out-performed those managed by men.

“Embracing a culture of inclusion and diversity in an organization is not just the right thing to do,” says Allison Nolan (www. athena.ky), founder and managing director of Athena International Management Limited and author of the upcoming book, Madam Chair, about how women are transforming the hedge fund industry and why more women are needed.

“The benefits of gender balance within investment management firms are clear and irrefutable. Not only does gender diversity and inclusion within a firm improve decisionmaking and enhance the business culture, but evidence shows that it is sound business sense, creating value and improving returns.”

Studies reveal that part of the reason female investors fare well compared to men is due to behavioral differentiators, such as showing more discipline than men in investing decisions, being less overconfident and trading less, and focusing more on protecting investments from risk.

Nolan says investors increasingly demand that hedge fund firms demonstrate a commitment to diversity, equity, and inclusion. She suggests actions hedge fund firms can take to improve diversity and inclusion, and enhance the industry: Lead the culture. “Rather than having diversity as a matter for the HR department,” Nolan says, “the firm’s principals should treat diversity and inclusion as a strategic initiative and an imperative part of the overall business plan. Senior management should set a clear intention, with D&I goals becoming part of the firm’s mission, fundamental values and culture.”

Start early. Nolan says firms should, at the minimum, require a diverse slate of candidates to be considered when hiring for open positions. “It is a great idea to start earlier on in the process and create collegelevel internships encouraging applications from minority groups,” she says. “Overall, make diversity an ingrained part of the hiring process, creating diversity goals as well as policies and procedures around the onboarding process.”

Identify unconscious bias. “Negative bias

HOME STAIRLIFTS

CAPITOL NEWS ILLINOIS With jury trials throughout the state on hold during the pandemic, the Illinois Supreme Court has ruled jury selection for civil trials can be be held remotely via video conference.

The court’s order to allow remote jury selection comes after months of discussion and research by the Court Operations During COVID-19 Task Force.

The COVID-19 Task Force, which was formed by the court in late June, is charged with making recommendations for safely continuing court operations—including civil and criminal jury trials—amid the pandemic.

“Civil jury trials are necessary to the administration of justice in Illinois, and the COVID-19 pandemic continues to have an enormous impact on our entire court system, including the number of civil cases tried to verdict,” according to the court’s order, which was issued Oct. 26th and was based on the task force’s proposed recommendations.

“Remote jury selection by video conference in civil cases is permissible to reduce the risk of COVID-19 exposure so that litigants can access justice in a timely fashion while keeping all jurors, court personnel, litigants, and the public safe,” the order stated.

The 14-member task force was made up of a combination of attorneys, judges and legal professionals.

The order allows remote jury selection for civil trials, but does not permit via video conference for criminal jury selection, nor does it “address any other part of the jury trial,” according to a news release from the Illinois Supreme Court.

Illinois Trial Lawyers Association President Larry Rogers Jr. said in a phone interview that the order is a step in the right direction.

“I applaud the court for taking steps to get us back to . . . the courtroom,” said Rogers, who is a partner at Power Rogers LLP in Chicago, the plaintiff in the Illinois Supreme Court case.

Cook County Circuit Court, which includes Chicago and is the largest of the state’s 24 judicial circuits, has postponed civil jury trials since mid-March.

Rogers estimates his firm has postponed about 10 civil jury trials since then.

In Cook County, there is not yet a date or timeframe set for the resumption of jury trials, according to a spokesperson for Cook County Court Chief Judge Timothy Evans.

The rules and timeframe for restarting civil jury trials vary across the 24 judicial circuits, as well as the individual county courts within those circuits.

In Mclean County—which is in the 11th Judicial Circuit and includes Bloomington and Normal—jury trials restarted in June but the court is prioritizing criminal cases involving a person in custody.

However, other court circuits—such as the 18th Judicial Circuit in suburban DuPage County bordering Cook County—have postponed all civil jury trials until Jan. 2021.

Rogers said one challenge with conducting remote jury selection is making sure the jury pool is inclusive.

“I think we need to figure out a way to ensure that we have a jury selection that includes people from all different racial, ethnic and socioeconomic backgrounds and not just those with access to WiFi and computers,” he said.

One way the court plans to address this issue is by asking potential jurors to respond to a survey with questions about access to technology, according to Chris Bonjean, spokesperson for the Illinois Supreme Court.

“Remote jury selection actually makes it easier for low-income potential jurors because it doesn’t require them to travel to the courthouse. Only a phone is needed,” Bonjean said in an email.

The guidelines for remote jury selection in civil trials, created by the court’s COVID-19 task force, acknowledges some courts may have to offer alternatives, or “points of access,” for potential jurors who lack access to smart devices and reliable wireless internet.

“For potential jurors who do not have access to a device that allows for videoconferencing or reliable internet service or who lack the technical aptitude to videoconference, courts may consider providing free and reliable internet, equipment, and technical support,” the guidelines state. “This can be done either at the courthouse, or in partnership with local entities like government agencies, public libraries, non-profit organizations, and community centers.”

Capitol News Illinois is a nonprofit, nonpartisan news service covering state government and distributed to more than 400 newspapers statewide. It is funded primarily by the Illinois Press Foundation and the Robert R. McCormick Foundation.

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NANCY ZEKVELD When we think of our personal budgets we often think of them as a big spreadsheet or line by line of our income and expenditure. But here’s the key to maximize your budget: not every type of payment is the same and treating them all the same can lead to problems. There are three powerful payment types: automatic payments, cash payments and savings payments.

Let us first look at automatic payments.

This is any area of your budget you can turn a regular payment into an automatic payment like an Automated Clearing House (ACH) or bill pay. The less your finances depend on you having to remember to pay them, the less likely that you will miss and get behind.This is a measure of security and peace of mind.

The second powerful payment type is cash. There are lots of objections people have to cash but most don’t stand up to scrutiny. A quick internet search will produce studiesthat confirm that cash helps you save more money by preventing overspending. I know from years of paying cash that psychologically it is much harder to hand over cash than to tap a card or scan a phone! The job here is to look for areas you can’t turn into automatic payments which

are also likely to be ones you overspend on.

Examples of this aregroceries, clothing, or recreation such as eating out.

Finally, let’s look at savings payments.

At first this might not seem like a payment but if you think about it you are making a payment to yourself! Pay your savings account for unexpected future needs such as home repairs, replacing a vehicle, retirement or a family vacation!

If you go through your budget you should be able to turn every expenditure into one of these three powerful payment types.

If you want some help putting together a budget or getting out of debt I’m here to do that for free and I’d love to see you in the coming weeks!

Nancy is Center Manager for the CAP Debt Help Center, helping people in debt in the South Suburbs of Chicago. She has received CAP training and comprehensive money management training by AFCPE. If you’re struggling to pay bills, feel overwhelmed with any debt, including medical or student loans, reach out for free local credit counseling service. 708-866-5577. Nancy is wife to South Holland Pastor Richard and mom to Anton, Annika, Autumn, Augustin and Adamina.

Say I saw it in The Shopper

November 4, 2020

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Illinois Expands Pro Bono Program to Stem Backlog of Appeals CAPITOL NEWS ILLINOIS The Illinois Supreme Court is expanding a program that allows attorneys to volunteer on criminal appeals cases, currently which currently are experiencing an extensive backlog.

In any criminal case ruled on by a circuit court, a person has the right to request a review of the decision by an appellate court, with exceptions for cases appealed directly to the state’s Supreme Court.

The pro bono program permits attorneys to assist the Office of the State Appellate Defender with these criminal appeals on a pro bono basis—that is, free of charge.

According to a news release from the state’s highest court, a six-month pilot program saw 75 attorneys approved to participate, with 42 cases assigned and 18 appellant briefs submitted by volunteer attorneys currently pending before courts in the first two districts.

“The pilot program has worked in reducing the backlog of criminal appeals cases,” Illinois Supreme Court Chief Justice Anne Burke said in a statement.

The Volunteer Pro Bono Program for Criminal Appeals will include the 3rd, 4th and 5th Appellate Districts, located in central and southern Illinois, starting Dec. 1. The six-month pilot version of the program was launched in February, but only for the 1st and 2nd Appellate Districts, which are made up of Cook County and the rest of northern Illinois, respectively.

As of Oct. 22, the backlog of criminal appeals is currently at 1,917 cases.

In a state budget hearing in February, State Appellate Defender James Chadd called the backlog “a crisis in the criminal justice system,” explaining that it was driven upward by a two-year period during which the state operated without a budget. That period was followed by the expiration of a temporary income tax hike, which reduced state revenues by about $4.5 billion. Meanwhile, in the absence of a budget, the state continued to spend at a rate far outpacing revenues. As the state’s backlog of unpaid bills eventually rose as high as $15 billion, many agencies, public schools, and universities all were hit with drastic drops in funding.

In February, Chadd succeeded ingaining a 6.8 percent budget increase for the Office of the State Appellate Defender, resulting in a reduction of the backlog of criminal appeals to 2,672.

“The reason for that (decrease in the appeals backlog) is . . . that is we’ve been fully funded for both years that I’ve been state appellate defender,” Chadd stated. “That has made all the difference. That is why our backlog has gone down, and as long as we stay fully funded and fully staffed, I anticipate that our backlog will continue to go down at that rate.”

The increase began July 1, upping funding for the Office of the State Appellate Defender by $1.6 million, bringing its budget to just shy of $25 million. Since that hearing, the appeals backlog has decreased by more than 700 cases.

Chadd’s office represents Illinoisans who cannot afford private attorneys but are often appealing serious charges. He said the office handles “the vast majority of criminal appeals.”

Snow Thrower Usage: Get Ready Before First Flakes Fall Winter weather will be here before we know it. Home and business owners should be sure snow throwers, often referred to as snow blowers, and other winter equipment are ready to go.

“Weather is more unpredictable now than ever, so you want to be ready before the first flakes fall. Get your snow thrower serviced now, before repair shops are busy,” says Outdoor Power Equipment Institute (OPEI) President and CEO Kris Kiser. “Now is also the best time to review your owner’s manual and operating procedures. You should know how to operate the controls and how to quickly shut off the snow thrower.”

OPEI offers the following questions to help home and business owners get ready and review safety practices.

Have you read your owner’s manual?

Review safe handling procedures. Know how to operate the controls. If the manual cannot be found, look it up online, and store a copy on your computer.

Have you checked your equipment since storing it? Make sure all equipment is completely powered off when checking it over. If you forgot to drain the fuel last winter before storing your snow thrower, empty the gas tank. Adjust any cables and check the auger when the equipment is powered off.

Do you know where your cord is? Use an extension cord that is weather-resistant and designed for outdoor use.

Is the equipment where you can get to it easily? Move equipment to a convenient and accessible location, so you can get to it quickly.

Have you purchased the right fuel?Be sure to use the correct fuel, as recommended by your equipment’s manufacturer. Fuel that is more than 30 days old can phase separate and cause operating problems. Buy gasoline ahead of a storm, as driving may be treacherous during storms and stations can be closed. For more information on fueling properly see www.LookBeforeYouPump.com Is gasoline being used safely? Before you start the engine, fill up the fuel tank on your snow thrower while the engine is cold and outside your home or garage. Never add fuel to a running or hot engine. Store the gasoline

in a fuel container and label with date purchased and the ethanol content. Make sure fuel is stored safely and out of the reach of children.

Are batteries charged? If using a battery/ electric-powered snow-thrower, make sure batteries are fully charged, in case electricity goes out during a winter storm.

Is the yard free of obstructions? Snow can hide objects. Doormats, hoses, balls, toys, boards, wires, and other debris should be removed. When run over by a snow thrower, these objects may harm the machine or people.

Are you dressed properly? Locate safety gear now, and place it in an accessible closet or location. Plan to wear safety glasses, gloves and footwear that can handle cold and slippery surfaces.

OPERATING SNOW THROWERS SAFELY Have a clean-out tool or stick ready.

NEVER put your hands inside the auger or chute. Use a clean out tool (or stick) to unclog snow or debris from your snow thrower.

Turn off your snow thrower if you need to clear a clog. Always turn off the snow thrower and wait for all moving parts to come to a complete stop before clearing any clogs or debris.

Don’t use a snow thrower if snow obscures your vision. Never operate the snow thrower without good visibility or light.

Aim your snow thrower with care. Never throw snow toward people or cars. Do not allow anyone to stand in front of your snow thrower.

Use extreme caution on slopes and hills.

Do not attempt to clear steep slopes and use caution when changing directions on slopes or inclines.

Mind the cord. If using an electric-powered snow thrower, be aware of where the power cord is at all times. Avoid tripping. Do not run over the power cord.

Keep pets and children inside while the snow thrower is operating. Kids and pets may love to play in the white stuff, but it’s best to keep them inside your home and supervised (by someone else) while a snow thrower is operating. Do not allow them to play in the snow as it is tossed out of the chute.

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Some appellate districts go through more than a thousand cases per year, and appeals can take years before they’re resolved. In some cases, people finish the terms of their sentence even if they eventually win their appeal and are acquitted.

Attorneys interested in working pro bono on Illinois criminal appeals can submit an application to join the program at http:// illinoiscourts.gov/supremecourt/probono. Eligible attorneys must have appellate experience, or have prior experience clerking for Supreme Court or appellate court justices, or have worked in the appellate division of a state or federal agency.

Attorneys who do not meet the requirements to join the program can participate under the supervision of an eligible attorney or complete a five-week training course put on by the Appellate Defender’s Office to become eligible. Attorneys who complete the course will also receive credit for doing so.

“I am overwhelmed by the level of commitment shown by legal counsel in the 1st and 2nd Districts to the Supreme Court’s call for pro bono counsel to help eradicate the backlog of appeals pending in our appellate courts,” 1st District Appellate Justice Bertina Lampkin said. “With the addition of pro bono attorneys from the 3rd, 4th and 5th Districts, I am confident that, in the near future, we will achieve timely, effective, and expeditious resolution of [these appeals] cases.”

Capitol News Illinois is a nonprofit, nonpartisan news service covering state government and distributed to more than 400 newspapers statewide. It is funded primarily by the Illinois Press Foundation and the Robert R. McCormick Foundation.

Speaking Of Seniors

She Gave Up WOODROW WILCOX Recently, there was a case in which a client gave up on a bill. The client is from Lowell, Indiana.

In this case, I had investigated the matter and had written to a medical supply company in Texas to tell them why our client did not owe $30 yet, if at all. I had proof that the company filed the claim one way with Medicare and sent a bill to the client describing a completely different medical item.

To Medicare, it claimed that it supplied our client with a “plastazote sandal.” But, in the bill to our client, the firm described the item as a “L3265 Rocker Cast Boot, M.” Those are two completely different items.

Medicare denied coverage of the “plastazote sandal” which our client never received. The Medicare representative with whom the client and I spoke on the phone said that Medicare would have covered the “L3265 Rocker Cast Boot, M” if it had been filed in the claim from the medical supplies firm in Texas.

After I wrote to the firm in Texas, it sent a demand for payment letter to our client. If

the client did not pay the $30, the Texas firm threatened to give the matter to a collection agency. So, the firm in Texas ignored the fact that it had made the mistake which caused Medicare to deny the claim. It wanted money and it wanted it now. Our client sent the $30 to protect her credit.

This is a major problem with the Medicare system that has existed the entire time that I have helped senior citizens with Medicare related medical bills. There is no simple, easy way for a senior to use the system to complain about firms that promise to follow Medicare rules, but don’t, and then demand money from seniors.

When I help seniors, I ask medical firms to follow the rules and avoid hurting seniors.

Most medical firms cooperate. The one in Texas did not. Medicare rules need to change in order to protect senior citizens from unethical firms like the one in Texas.

Note: Woodrow Wilcox is the senior medical bill case worker at Senior Care Insurance Services in Merrillville, Indiana.

He wrote the book SOLVING MEDICARE PROBLEMS.

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November 4, 2020

Say I saw it in The Shopper

Bishop Noll’s Women’s Artist Javier Jasso to Exhibit at Empowerment Club Members SSC’s Dulgar Gallery Mentor Middle School Girls

Alejandra Castellanos, Bishop Noll senior and a leader of Women’s Empowerment Club ________________________

Bishop Noll’s Women Empowerment Club has begun mentoring local middle school girls to help them through a variety of issues they are facing. This program sets out to inspire middle and high school girls to be confident leaders through peer-to-peer mentoring.

The club hosted its first virtual meeting with the middle schoolers in September. The women leaders from BNI assure the middle school girls that they are in a safe space to have conversations without being judged.

“We try to establish a good relationship with our younger girls right away, assuring they are comfortable with us and know that they are in a safe place,” said Bishop Noll senior Alejandra Castellanos, one of the club leaders. The club uses the Girl Empower Program, Girl Talk, which provides mini-lessons and topics.

“We kind of just like to let the conversation flow naturally allowing the girls to branch off into other side questions or discussions when appropriate.”

The leaders discuss topics relevant and important to both the middle schoolers and the high school leaders, in order to give a

sense of security. Some of the topics include body image, fitting in and self-advocacy. In order to connect with the middle schoolers, the club members try to bring up their own experiences.

“Some of my favorite moments are to see when the girls are genuinely happy to be there, see each other, and take part in our program,” Castellanos said. “Some of the middle schools have gone completely virtual and because they are younger they don’t get to see their friends very often or have an outside source to talk to. It makes us feel like we have all done something right when the conversation we create is fruitful and allows these young girls to become closer and realize they are important.”

Not only do these meetings help the middle schoolers, there is a sense of satisfaction and hope brought to the leaders as well.

“These meetings allow our girls at Noll a chance to help little girls who may be struggling with things they may have struggled with when they were their age,” Castellanos said. “Also, this gives the middle school girls an outlet they may have not had before, it is especially necessary that they get to interact with each other and us during these troubling times. Our hope is to make them feel empowered and confident in themselves, so that one day they can continue our work.”

Mrs. Katie Fredericksen, theology teacher and one of the club’s sponsors, said the club is open for any Bishop Noll woman who wants to participate and become a mentor for a middle schooler.

“Our Motto is ‘Empower, Inspire, Connect, & Change.’ We want to inspire other girls, come together as a group of young women to support each other,” Fredericksen said.

Bishop Noll Institute, a Catholic college preparatory school in Hammond, is currently celebrating its 100th school year. For information on how to enroll at Bishop Noll, please email Director of Admissions Jeff Stur at jstur@bishopnoll.org.

The South Suburban College Art & Design Department presents an exhibition by artist Javier Jasso entitled “Consecutive: Linear, Passenger” in the Dulgar Gallery through December 4, 2020, with a Virtual Reception on a date to be announced.

Javier Jasso is a Mexican American artist born in Chicago and raised in Mexico. He lives and works on the Southside of Chicago, Back of the Yards neighborhood. Javier says he is a metaphorical and literal builder.

Many of the materials he uses come from recycled sources such as metal, plaster, plastic, concrete and wood that he collects from his neighborhood, along with ceramic, a medium and practice that he carries with him from his hometown of Alfareros in Guadalajara, Mexico.

Jasso explains: “Using my personal experience along with research, my current work addresses my perception of how humans respond to their surroundings as well as to the social and cultural issues relating to the natural inclination of searching and finding a place to call ‘home’.I examine space in an ever-evolving concept in today’s global society. I transform the familiarity of a domestic space into a liminal one, where ‘home’ is both an idealized concept and physical reality, paradoxical poetical, and perhaps fictional.”

The public is welcome to visit the art

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exhibition and reception at no charge; masks and social distancing are required.

The Dulgar Gallery is on the 1st Floor of SSC’s Main Campus. SSC Galleries are open Mondays: 8:30am – 12:30pm; Tuesdays: 12:30 – 4:30pm; Wednesdays: 8:30am – 12:30pm; Thursdays: 12:30 – 4:30pm and Fridays: 10:00am – 2:00pm. For more information, please call (708) 596-2000, ext. 2300, visit www.ssc.edu/art, or email etucker@ssc.edu.

SSC is located at 15800 South State Street, South Holland, Illinois.

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November 4, 2020

FIRST Indiana Robotics to be FIRST LEGO League Partner

Over the past twenty years, the Purdue University Fort Wayne College of Engineering, Technology, and Computer Science managed and facilitated the Indiana FIRST LEGO League robotics competition network as part of the College’s Outreach Program. Carol Dostal, Outreach Director, worked closely with partners around the state to grow the program, which impacts more than 3,000 students, volunteers, and mentors annually.

Purdue Fort Wayne will conclude its official 20 year role as the program leader for FIRST LEGO League Challenge in December. As of October 1st, FIRST Indiana Robotics (FIN), under the leadership of President Renee Becker-Blau and Program Director Chris Osborne, is collaborating jointly with Purdue Fort Wayne’s FIRST LEGO League Challenge Program Delivery Partner, Carol Dostal, to deliver the FIRST LEGO League Challenge program to Indiana teams through the end of 2020. As of January 1, 2021, FIN will exclusively assume the role of Program Delivery Partner for the FIRST LEGO League Challenge program.

The leadership transition with FIRST in Indiana Robotics will provide increased opportunity to consolidate and grow all FIRST programming for the state. The FIRST LEGO League Challenge program has grown to support nearly 300 teams,13 Qualifying Tournaments, and 2 Regional

Championships.

This season has seen a shift to all-remote tournaments, and in an effort to provide an opportunity for as many teams as possible to participate in the FIRST LEGO League Challenge program this year, the tournament experience will be split into two sessions. Session 1 Qualifying Tournaments will culminate with a Purdue Fort Wayne Indiana Championship on Dec. 12. Session 2 Qualifying Tournaments will culminate with a FIRST Indiana Robotics State Championship in February 2021.

This competition is part of the larger organization, FIRST® (For Inspiration and Recognition of Science and Technology), and their FIRST® Robotics Competition for high school students. Over 3,600 teams, more than 91,000 students, and nearly 26,000 professional mentors across the world from 27 countries (including places like Canada, Mexico, China, Israel, and Australia), will be participating in District, Regional, and Statelevel events in hopes of qualifying for the 2020 FIRST World Championship in Detroit, MI. and Houston, TX. FIRST® robotics competition combines the excitement of sport with the rigors of science and technology. Under strict rules, limited resources, and time limits, robotics teams of 25 students or more are challenged to raise funds, design a team “brand,” hone teamwork skills, and build and program robots to perform prescribed tasks against a field of competitors. These competitions create “real-world engineering” experiences for all participating students.

In addition to teacher mentors, volunteer professional mentors lend their time and expertise to help guide the work and development by each FIRST robotics team.

For more information about the event, or FIRST Robotics, contact: Renee Becker-Blau, IndianaFIRST Executive Director, at 414 7041415. Additional information is also available at the website: http://www.indianafirst.org/ or http://www.firstinspires.org/.

IL Senator Harris Urges Businesses to Apply for 2nd Round of Relief Funding As local businesses continue to see financial losses from the COIVD-19 pandemic, State Senator Napoleon Harris (D-Harvey) urges small business to apply for the second round of the Business Interruption Grants.

“Small businesses need our support— now more than ever. They are a pillar of our local economy, and our state made it a priority to ensure they stay afloat,” Harris said. “I encourage small businesses to take advantage of this opportunity.”

Applications for the second round of the

BIG program are available now and will offer $220 million in funds for small businesses hit hardest by the ongoing pandemic.

The second wave of funds from BIG aims to provide relief for all types of small businesses, with a focus on businesses located downstate and in disproportionately impacted areas. Application information for the second round of funds and can be found on the Illinois Department of Commerce & Economic Opportunity website at Illinois.gov/dceo.

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Thornton Township Assessor is Elected Official of the Year

Cassandra Elston has served as Thornton Township Assessor for seven years. ________________________

ERNST LEMOTHE During property tax season, one woman traverses through close to a dozencommunities educating them on how to petition and challenge their assessments.

For her tireless work to help the community as they sift through their frustrating property tax bills, Thornton Township Assessor Cassandra W. Holbert-Elston has been awarded Township Officials of Illinois Elected Official of the Year.

“Cassandra has always put serving the community as her most important priority.

People contact her at all hours of the night and she serves with pleasure and I am happy that people are finally recognizing what we already know. She is incredible,” said Frank M. Zuccarelli, Thornton Township supervisor.

Elston, who has served as township assessor since 2013, represents our 17 distinct municipalities with a population of more than 168,000. The role requires a combination of intelligent, diligent work, years of experience and a heart as a community advocate. One of

her key initiatives is hosting live, and this year virtual, property tax assessment workshops.

She gives a presentation, answers residents’ questions and her team looks through resident tax assessment bills. She works with elected officials, clergy and homeowner associations.

Her office and staff have been available virtually to the public throughout the pandemic. She has hosted over 15 seminars yearly, even during the Covid-19 pandemic.

The seminars are not just limited to property tax, exemptions and the appeal process.

Information is also shared on property after death, property fraud and first-time home buyer programs. Even property redemption, for those who have lost homes, is among the topics discussed. More than 500 individual households have been helped by the assessor’s staff since mid-July.

Elston’s purpose in this effort has been to assist, educate and help taxpayers, new homeowners and especially senior citizens who have benefitted the most from her timely and compassionate guidance and assistance.

“I’m completely stunned by receiving this award. When you look to serve the community, especially if you are doing it for the right reasons, you certainly don’t do it for attention or awards,” said Elston. “But I am honored by the award and I will continue serving the community in any way it needs.”

Elston received recognition for youth mentoring from the late Alderman Bennett M. Stewart of the 21st Ward in Chicago.She was awarded the key to the City of Chicago for outstanding leadership and community involvement under the late Mayor Harold Washington.She was recognized for outstanding achievement in organizing block clubs and community organizations in the 6th Ward under the late Mayor Eugene Sawyer.

She was also honored as “Woman of the Year” by the Society of Mannequins in 2017.

“I just feel so blessed to be able to help individuals and whole communities in need,” said Elston.

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November 4, 2020

Personal Trainer to the Real Estate Consumer

A Realtor Is Not An Expense MIKE BUDER I wouldn’t think of going mountain climbing without some professional guidance. I remove splinters but I wouldn’t feel comfortable about taking out an appendix or spleen. I can clean my own teeth, but fillings and crowns go beyond my sillset. In time, I could learn to do most anything, but some things are better left to professional, career-minded people who do them constantly.

Real estate is one of those things.

Anyone can buy, sell, trade or invest. I am not challenging the capability of a person and what they can do if they put their mind to it. But I am saying that there are times where the prudent, most sensible thing to do is to spend your money on a professional to accomplish a need or want. A real estate agent is a tool that, when wielded correctly, does what it is supposed to do. In a transaction that involves a large amount of money, a team should be formed to accomplish the necessary moves to either get in—or out of—a transaction.

When entering into something for the first time, it is important to be informed and/or protected to some reasonable degree…camping comes to mind. If you don’t already have a handy reliable

reference or friends who camp out, then you go to a place that sells camping stuff and they will question you so they can make proper recommendations. Sleeping bags, tents, utensils, and helpful pointers will insure the layman’s success and lead to the enjoyment of camping out. Avoiding poison ivy, being able to start a fire, storing food properly, keeping warm, staying dry and setting up camp are all things you have to know. KNOW BEFORE YOU GO! I might add, real estate is not a do-over activity. In fact, if not done right, litigation can creep into the mix, and prior to that is the ill feeling and lack of well-being that will rob you of any life-joy. Why spend unnecessary negative time and money trying to undo what should have been done correctly to begin with? Real estate agents can pilot your transaction effectively and efficiently, so hire up, relax and enjoy the deal.

If you are looking to buy or sell real estate call Mike Buder at RE/MAX 2000 708-418-4444, E-mail: mikebuder@remax. net, Website: www.BuderHomes.com, or Facebook Friend-request Mike Buder.

Your comments are always welcome.

Mike Buder A local Christian Businessman

small stockpot, cover with water by 1 inch, and bring to a boil over high heat. Reduce to a simmer; continue to cook until very tender, 6 to 8 minutes. Drain sweet potatoes; return to saucepan. Add butter and mash.

Add buttermilk, cilantro, dill, parsley, mint, salt and pepper. Add more salt and pepper to taste and serve.

Note: If you prefer, substitute plain yogurt, sour cream, milk, half and half or cream for the buttermilk.

For further facts, tips and recipes visit www.casweet potatoes.com.

4T butter 3/4c buttermilk (see note) 1T chopped fresh cilantro 1T chopped fresh dill 1T chopped fresh parsley 2tsp chopped fresh mint 1tsp salt, or more to taste 1tsp pepper, or more to taste Place sweet potatoes in large saucepan or

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Protect Your Family from Long-term Care Costs Like everyone, you want to remain physically and financially independent throughout your life. But if you lose some of this freedom, the last thing you’d want is to become a burden on your family. How can you keep this from happening?

First of all, you need to be aware of the risk. Someone turning 65 today has almost a 70 percent chance of eventually needing some type of long-term care, according to the U.S. Department of Health and Human Services. Of course, this doesn’t necessarily mean that you face that 70 percent likelihood. In reality, you have either a zero percent chance of requiring long-term care (you’ll never need it) or a 100 percent chance (you’ll definitely need it).

Nonetheless, if you think you’ve got that zero percent chance, you’re taking a gamble —and it could be a big one, because long-term care is expensive. The median annual cost for a private room in a nursing home is over $102,000, according to Genworth, an insurance company.

Other long-term care services, such as those provided by a home health care aide, also don’t come cheaply.

Furthermore, you can’t count on Medicare paying all these costs—in fact, it would probably only cover a small portion of a nursing home stay and provide limited assistance for home health care. So, if you were financially unprepared for the expense of long-term care, the burden might fall on your loved ones. This could be a big financial challenge, in two ways.

First, if a family member had to become your caregiver, this individual might have to abandon a career, or at least substantially reduce their working hours. Not only would this result in a loss of income,

but it could also lower the amounts that could be contributed to a 401(k) or similar employer-sponsored retirement plan.

Second, if your family members couldn’t leave their jobs or cut back on their hours, or they were simply unable to provide the type of long-term care you need, they might be forced to pay for a nursing home stay or home health care worker out of pocket.

To avoid these outcomes, you have a couple of options: Self-insure. You could conceivably “self-insure” against the costs of longterm care by devoting a portion of your investment portfolio specifically to this purpose. However, if at some point you require admission to a nursing home, it may require a significant commitment of your resources.

Purchase protection. Over the past decade or so, there’s been an increase in the types of long-term care protection vehicles available. These instruments vary widely in cost and in what they cover, but by choosing a protection option, you may greatly lower the financial risk you might face. By consulting with a financial professional, you should be able to find an arrangement that’s appropriate for your situation.

Preserving your financial independence and helping protect that of your family should be a key financial goal. And you can make progress toward accomplishing this by recognizing the potential cost of longterm care and taking steps to deal with it.

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor, Patrick Zamkin 18735 Dixie Hwy, Homewood, IL 60430 (708)798-9066

Indiana HS Seniors Urged to Attend Free FAFSA Workshops

Indianan State Rep. Michael Aylesworth (R-Hebron) encourages Lake County high school seniors and families to attend 1 of 2 workshops in November to learn more about financial aid options for students pursuing college.

According to Aylesworth, INvestEd is offering free guidance on completing and submitting the 2021 Free Application for Federal Student Aid form. To be eligible for state and federal financial aid, students must fill out the FAFSA for universities and colleges to determine which students can receive assistance and determine the amount of aid. The first workshop begins at 4 p.m. on Nov. 5 at Crown Point High School, and the second workshop begins at 2:30 p.m. on Nov. 17 at Lake Central High School. Aylesworth said families should bring tax and income documents of both the parents and students.

“Preparing for college is an exciting time for

seniors and their families, but it can also be stressful navigating the financial aid process,” Aylesworth said. “INvestEd is a great resource that helps Hoosiers learn about their payment options and how to apply.”

At the first workshop, INvestEd will be available to assist students and families with filling out and submitting the FAFSA. The second workshop will help student and families complete the FAFSA and answer any financial aid questions. Aylesworth said INvestEd, an Indiana nonprofit, has been helping families for 40 years understand postsecondary education costs and find ways to pay for college.

Families anywhere in Indiana can speak to an INvestEd expert about questions they have while completing the FAFSA application by calling 317-715-9007. To learn more about INvestEd’s work or access free resources and counseling, visit investedindiana.org/literacy.

Visit The Lansing Journal Online For Daily Lansing News!

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Easy Buttermilk Mashed Sweet Potatoes (NAPSI)—Side dishes are often the best part of a meal, and mashed potatoes are among the top contenders. Here’s a very simple take on that old favorite with a modern twist—mashed California sweet potatoes with buttermilk and fresh herbs. The buttermilk provides a hint of tang and the herbs add brightness, making this a versatile dish that offsets a heavy winter meal yet pairs perfectly with lighter springtime or summer fare. Plus, California sweet potatoes are a nice change of pace from regular mashed potatoes—and with more fiber.

Easy-to-Make Buttermilk Mashed California Sweet potatoes with Fresh Herbs Serves 6 to 8 2 1/2 lb orange or yellow-white fleshed sweet potatoes, or a combination, peeled and cut into 1-in chunks

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November 4, 2020

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November 4, 2020

TOMASI

A Funeral Service for Antoinette R. Tomasi will be held on November 4 at Thornridge Funeral Home with Deacon Tim Springer officiating .

Mrs. Tomasi was born September 6, 1917 and died October 24, 2020. She was the wife of the late Silvestro Tomasi; mother of Juliana Felts and the late Anthony Tomasi; grandmother of Sondra Childers, Tony Tomasi, Sherry Gauthier, Michelle Williams, Reno Tomasi, Brian Tomasi and the late Leslie Felts; great-grand mother of 20; great greatgrand mo ther of 19.

Interment will be at Holy Cross Cemetery.

Arrangements are entrusted to Thornridge Funeral Home (Janusz Family Funeral Service).

MACK

A funeral service for Isaac Antonio Mack was held Tuesday, October 27, 2020 at Smits Funeral Home in Dyer, IN. Mr. Mack was born January 27, 1999 and passed away October 21, 2020. Son

of Tonya Mazurkiewicz and Kenneth Mack Jr. Step-son of Joseph Minotti Jr. Brother of Ruben Vazquez. Grandson of Joseph Escobedo, Sandra Mack, Kenneth Mack Sr., and the late Janice Mazurkiewicz.

Great-grandson of Judith Hahn.

Arrangements entrusted to Smits Funeral Home – Dyer, IN.

was held Friday, October 30, 2020 at Smits Funeral Home in Dyer, IN. Mrs. Gardner was born August 16, 1953 and passed away October 24, 2020. Wife of Keith E. Gardner Jr. Mother of Keith D. (Jessica) Gardner, Kelly (Patrick) O’Leary, and Karri (James) Walker.

Grandmother of Zak, Drake, Kayli, Laura, and Ariana.

Arrangements entrusted to Smits Funeral Home – Dyer, IN. DEAN A funeral service for Michael A. Dean was held Saturday, October 31, 2020 at Smits Funeral Home in Dyer, IN with Rev. Andy Nearpass officiating. Mr. Dean was born July 27, 1946 and passed away October 28, 2020.

Husband of Dawn Dean, nee Jabaay. Father of the late Shawn Dean, Brandy Jeter, Kimberly (late Bryan) Safley, Christina (Scott) Starkson, and Tyler (Ashley) Dean.

Step-father of Ryan Wojcik.

Grandfather of Baylee Safley, Chase Leighton, and Olivia Leighton. Brother of Bill, Tom (Noreen), Alberta, Pat, Dave (Sharon), Mary, Phyllis,

DAFCIK

A funeral mass for Anna M. Dafcik was held Wednesday, November 4, 2020 at St. Joseph Catholic Church in Dyer, IN with Rev. Ron Zgunda officiating.

Mrs. Dafcik was born February 28, 1937 and passed away October 20, 2020. Sister of Caroline (late Jack) Barnes and the late Emil (late Charlene) Dafcik. Preceded in death by her parents Emil and Anna Dafcik. Interment Chapel Lawn Memorial Gardens - Schererville, IN. Arrangements entrusted to Smits Funeral Home – Dyer, IN.

GARDNER

A funeral service for Wanda Sue Gardner, nee Hickle,

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and Kathy.

Preceded in death by siblings Bob, John, Chuck, and Richard; and by his parents Robert and Josephine Dean. Inurnment Chapel Lawn Memorial Gardens - Schererville, IN. Arrangements entrusted to Smits Funeral Home – Dyer, IN.

MCNAMARA

A funeral service for Virginia L. McNamara, nee Schoon, will be held Friday, November 6, 2020 at Grace Church in Lansing, IL with Rev. Leroy Childress officiating. Mrs. McNamara was born April 1, 1938 and passed away October 30, 2020. Wife of Gary W. McNamara Sr. Mother of Kimberly (Robert) Ballard and Gary McNamara Jr. Grandmother of six; greatgrandmother of one. Sister of Karen (late Charles) Gist, Donna Maxcy, Judy (Robert) Rude, Richard (Debbie) Schoon Jr., Robert (Cheryl) Schoon, and the late Cheryl Kortenhoven.

Preceded in death by her parents Richard and Kathryn Schoon.

Interment Munster Christian

Reformed Cemetery Munster, IN. Arrangements entrusted to Smits Funeral Home - Dyer, IN.

BONNEMA

A funeral service for Nicholas James Bonnema will be held Thursday, November 5, 2020 at Smits Funeral Home in Dyer, IN. Mr. Bonnema was born October 1, 1988 and passed away October 31, 2020. Son of Jim and Brenda (nee Stammis) Bonnema. Brother of the late infant Daniel Bonnema.

Grandson of the late Calvin (Marcia) Bonnema, the late John (late Phyllis) Stammis, and the late Pete Mushmushian.

Interment Oak Ridge Cemetery Lansing, IL. Arrangements entrusted to Smits Funeral Home - Dyer, IN.

DEBOER

A funeral service for John DeBoer Jr. was held Tuesday, November 3, 2020 at Munster Church in Munster, IN with Rev. Jim Hollendoner and Rev. Herman Schutt officiating.

Mr. DeBoer was born August 20, 1957 and passed away

October 30, 2020. Husband of Sandra DeBoer, nee Swart.

Father of Kevin (Lori) DeBoer, Lorrie Musch, and Jenn (Eric) Yukon. Grandfather of seven.

Brother of Debra (Greg) Kikkert and Brian (Lisa) DeBoer. Preceded in death by his parents John Sr. and Stella DeBoer. Interment Oak Ridge Cemetery - Lansing, IL. Arrangements entrusted to Smits Funeral Home – Dyer, IN.

SKRBINA

A funeral service for Michael Matthew Skrbina will be held Friday, November 6, 2020 at Smits Funeral Home in Dyer, IN. Mr. Skrbina was born April 28, 1980 and passed away October 30, 2020. Husband of Amanda Skrbina, nee Draus. Father of River Skrbina. Son of Michael (Denise) Skrbina. Brother of Todd (Kimberly), Chad (Christopher), Kyle, Joseph, and Benjamin. Preceded in death by his mother Lynn Vanderzee. Inurnment Holy Cross Cemetery - Calumet City, IL. Arrangements entrusted to Smits Funeral Home – Dyer, IN.

Explore Work With Confidence Heart Smart RICHARD ZEKVELD I don’t know how the election will turn out. (Hopefully, by the time you read this, we know).

I don’t know if there will be unrest following the election.

I don’t know when the reality of Covid-19 and its consequences will subside.

I don’t know what further costs Covid-19 will inflict on families, businesses, churches, communities, mental health and faith.

I don’t know when we will all get back to ‘business as usual’, or if we will.

I don’t know what changes, good or bad, lie around the corner.

I don’t know what kind of America my children will inherit.

Maybe you don’t know the same things I don’t know.

I must go back to God’s word to remind myself of the things I do know.Will you join me?

I know that the Lord is great, that our Lord is greater than all gods (Psalm 135:5).

I know that God can do all things; no plan of his can be thwarted (Job 42:2).

I know that the Lord secures justice for the poor and upholds the cause of the needy (Psalm 140:12).

I know my transgressions, and my sin is ever before (Psalm 51:3), but…

Jesus loves me, this I know, for the Bible tells me so (see Galatians 2:20).

I know that in all things God works for the good of those who love him, who have been called according to his purpose (Romans 8:28).

I know God saved me and set me apart to love and serve him and others (see Galatians 5:13-14).

I know that my Redeemer lives, and that in the end he will stand upon the earth (Job 19:25).

If you can’t say these “I knows” with certainty, contact a church, pastor or friend who can.

Richard Zekveld Pastor, Covenant Fellowship Church cfcsh.org

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SSDI or SSI can receive free job-related services and supports. Whether they work with their state’s Vocational Rehabilitation (VR) agency or with authorized service providers called Employment Networks (EN), people can find the resources they need to prepare for, find and maintain employment.

For individuals such as Shirley, this can mean exploring work with confidence. When Shirley was diagnosed with narcolepsy, her doctors advised her stop working.

“It was distressing to lose that sense of control over my life,” she recalls. “…[and] stressful making ends meet on an SSDI check.”

It took several years to find effective treatment, but Shirley was determined to regain her well-being and that feeling of selfdetermination she had lost.

“Narcolepsy is not something that just goes away,” she says.

“But I’ve learned to make adjustments…[and] work around the disability.”

Once she felt ready, Shirley attended a job fair where she learned about the Ticket program and connected with an EN. With their help and encouragement, Shirley found work in her State’s General Services Administration, where she helps ensure small businesses are represented on state contracts.

“I’m grateful for the help I received through Ticket to Work,” she reflects. “It feels wonderful to have my independence back! I feel like I can rely on myself again.”

To learn more, call the Ticket to Work Help Line at 1-866-968-7842 or 1-866-8332967 (TTY). Or visit www. choosework.ssa.gov.

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( N A P S I ) — W i t h unemployment at a 50year low, companies are eager to draw talent from a diverse pool of job seekers, and organizations have recognized the inherent value in a diverse workforce that includes qualified employees with disabilities.

Yet, for many who rely on Social Security disability benefits for income and Medicare or Medicaid, work seems like a gamble. What most people don’t know is that there are free services and supports available for those who qualify.

Social Security’s Ticket to Work (Ticket) program and other Work Incentives can help take the guesswork out of finding or returning to work.

More than 20 Work Incentives are designed to help individuals who receive Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI) due to a disability, transition to the workplace without immediately losing those benefits.

Because each person’s circumstances are different, job seekers are encouraged to consult a certified Benefits Counselor, who can help them make informed decisions about employment and benefits.

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Classifieds Services AC/HEATING SERVICES: Summer Special!

Furnaces or A/C’s , Clean & check $59.95. Furnaces, A / C ’s, Bo i l e r s, w a t e r heaters, sump pumps, humidifiers, installations, repairs, furnaces installed from $1495.00 R/D Heating & Cooling. IL. and IN. 219-616-3281 ALL HANDYMAN REPAIRS Done On The Side to save money! Painting, drywall, tile, concrete patching, doors, roofing, hauling. Very reasonable. Mark 708-4087192 CONCRETE & PATCHING Done On The Side to save you money. Also general contracting, handyman work, FHA work & s n ow p l ow i n g . Ve r y reasonable. Call Mark 708408-7192 MOVING SERVICES: Pick up/Delivery Service. Small move; single item; classified ad stuff. Assembly: Furniture & exercise equipment (Ikea, Office Depot, etc.) Daily until 9pm 219-433-9457

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Submit your classified ad online at myshopper.biz or email general@myshopper.biz PA I N T I N G S E R V I C E S : Economy Painting.

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L ANSING, IL, 2BDRM., 1 b a t h , 1 s t f l r. Se n i o r s welcome. 17710 S. Commercial Street. Includes free heat, gas, appl., A/C. Private prkg. 1 mon. + sec.

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Garage Sales MUNSTER ESTATE SALE 8549 Moraine, 11/6 & 11/7, 9a-3p. Vintage furn, deco & collectibles, Xmas, tools, jewels, furs AND MUCH MORE F o r s a l e : Wo r k b a s k e t Magazine, 150 issues, some dating back to the 1950s.

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708-474-1668 26” Mens bike by Pacifico, 11 speed, asking $50. Call Paul at 708-221-5486

Refrigerator, stove, Schwinn bike, antique stoves, old brass lamps, newer garage door opener, circuit breaker boxes, tables, chairs. 708895-7855 Wanted: Electric chain saw long blade at reasonable price. 219-801-0955 Wanted: Older economical car at reasonable price for senior citizen; doesn’t need to look good or pass emissions test. 219-8010955 Wanted: Deagan or musser big bar vibraphones at reasonable price. 219-8010955 Wanted: Older washer at reasonable price 219-8010955 New tire! 265x16R, never on ground, on Jeep alloy rim, $117. Ping putters, your choice, $47. Gold balls, $6/ doz. 708-339-3429 Accucheck Softclix and Onetouch Delica lancets 100 for $5.00. 200 for $10.00.

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How to Create and Maintain New Fitness Habits In A Pandemic (NAPSI)—The COVID-19 pandemic has made simple acts like seeing friends and family, going to the grocery store, or celebrating a life milestone more complicated.

However, it has simplified the ability to create and maintain new fitness habits. Exercise physiologist and Bowflex Fitness Advisor Tom Holland says that since our time isn’t as compartmentalized as before, we have the opportunity to be more mindful and make healthy changes to our lifestyles, including the following: 1.Try something new in the

comfort of your own home At home you can experiment with new stretches, workouts, and equipment without feeling the pressure of a gym setting.

For a unique indoor cycling experience, the new Bowflex VeloCore bike (https:// www.bowflex.com/bikes/ velocore/velocore-bike.html) offers a choice between the traditional stationary setting, and lean mode – with a sideto-side leaning motion that mimics the feel of riding on an open road. The VeloCore bike integrates the JRNY platform, which delivers

engaging digital content on a large touch screen, and custom coaching and workouts. It also connects with third-party cycling apps, including Peloton and Zwift. With products like this, you don’t need to leave your home to have a challenging and fun workout.

2.Eat healthier because you are not eating out Restaurant portions are often two to three times larger than the recommended healthy portion sizes. Now, most of us are eating at home more frequently, and it’s an ideal time to develop

Illinois Announces Winter Sports Restrictions CAPITOL NEWS ILLINOIS Gov. JB Pritzker and the Illinois Department of Public Health announced new guidelines for youth and adult winter sports on Tuesday that temporarily put a halt to competitive basketball, hockey and wrestling events.

Although participants in those sports may continue with non-contact training and drills, they will not be allowed to participate in competitive games or matches.

“As with sports in the fall, nothing is ‘cancelled,’ just put on hold until we’re through the thick of this pandemic,” Pritzker said in a news release. “We adapt as we learn.

That has been our mantra throughout this pandemic, and as is true in every other facet of life, we know this virus is of most concern when people are indoors with high contact, especially in vigorous situations that bring about heavy breathing – like in wrestling, hockey and basketball.”

The new restrictions were announced in response to a continuing surge in COVID-19 cases throughout the state. They apply to school-sponsored competitions as well as travel clubs, private leagues and clubs, recreational leagues and centers, and park district sports programs. They do not apply to collegiate or professional sports.

Like the fall sports guidelines that the state first issued in May, the winter sports guidelines divide events into low, medium and high-risk categories.

They also provide for four different levels of activity, ranging from level 1, in which only no-contact practices and training are allowed, to level 4, in which tournaments are allowed, including out-of-conference and out-of-state play is allowed.

Basketball was originally classified as a medium-risk event in the fall guidelines, but the winter sports guidelines classify it as high risk due to close contact between players and the fact that it is played indoors. That means it is limited only to no-contact practices and training.

Other high-risk sports include football, lacrosse, martial arts, rugby and ultimate Frisbee.

Medium-risk sports — including fencing, flag football, paintball, soccer and volleyball —are allowed to take part in level 2 activities, such as intra-team scrimmages with parental consent for minors but no competitive play.

Lower-risk sports include competitive cheer and dance, as long as masking and social distance rules are enforced, as well as bowling, gymnastics, swimming, archery, track and field and weight lifting. Under the guidelines, people in those sports can take part in level 3 activities, which include games or meets within a conference or an Emergency Medical Services region or intraleague events. Level 3 also allows for state and league championship events for low-risk sports.

Under the current pandemic guidelines, no events are allowed to compete at level 4.

A full list of winter sports and their risk categories is available on the Department of Commerce and Economic Opportunity website.

Capitol News Illinois is a nonprofit, nonpartisan news service covering state government and distributed to more than 400 newspapers statewide. It is funded primarily by the Illinois Press Foundation and the Robert R. McCormick Foundation.

healthy eating habits. You can cook every meal while being mindful of nutritional value and avoid the typical tempting foods that would be available at a restaurant by buying healthier options.

3.Build out your home gym According to a recent survey conducted on Nautilus, Inc.’s behalf by YouGov, the percentage of consumers* working out at home on a weekly basis has increased from 43% before COVID to 73% during COVID. Regardless of your home’s size, investing in versatile and space-

efficient fitness equipment, such as the Bowflex SelectTech 2080 barbell with curl bar (www.bowflex. com/selecttech/2080barbell/100874.html)— which offers seven incremental weights in one— means you’ll have 24/7 access to a calorie-burning workout on your own schedule.

Now, there are no more excuses for not having a healthy lifestyle or fitting in a workout. The only thing holding you accountable is yourself. That’s why Holland recommends starting these habits now, so you’ll be more

likely to continue working out and eating healthy even past the pandemic.

Citation: *All figures, unless otherwise stated, are from YouGov Plc. Total sample size was 1066 US adults aged 18 to 64 years old who have spent $500 or more on fitness in the past year. Fieldwork was undertaken between July 27 to August 3, 2020. The survey was carried out online.

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November 4, 2020

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Curbside Drop-off Sites for Operation Christmas Child South Holland, Ill., Oct. 28, 2020 — More than 4,000 locations will now offer a curbside drop-off option for the Samaritan’s Purse project, Operation Christmas Child.

Volunteers are preparing to collect shoebox gifts during National Collection Week, Nov. 16 –­ 23.

Operation Christmas Child has been collecting and delivering shoebox gifts—filled with school supplies, hygiene items and fun toys—to children worldwide for more than two decades. This is a project that everyone can still be a part of, even with COVID-19 restrictions.

There’s still time for individuals, families, and groups to transform empty shoeboxes into fun gifts. The project partners with local churches across the globe to deliver

these tangible expressions of God’s love to children in need.

Find a step-by-step guide on the How to Pack a Shoebox webpage.

“In the midst of the pandemic, the needs are greater than ever before,” said Franklin Graham, president of Samaritan’s Purse. “Children around the world need to know that God loves them and there is hope. A simple shoebox gift opens the door to share about the true hope that can only be found in Jesus Christ.”

Participants can find the nearest drop-off location and hours of operation as they make plans to drop off their shoebox gifts. The online lookup tool is searchable by City or ZIP code. Signs at each location will identify the curbside

drop off.

Those interested in more information on how Operation Christmas Child is making adjustments during its National Collection Week can visit the organization’s Important COVID-19 Updates webpage for the latest information and answers to Frequently Asked Questions.

Operation Christmas Child, a project of Samaritan’s Purse, seeks to demonstrate God’s love in a tangible way to children in need around the world and, together with the local church worldwide, to share the Good News of Jesus Christ. Since 1993, Operation Christmas Child has collected and delivered more than 178 million gift-filled shoeboxes to children in more than 160 countries and territories.

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Illinois to Offer Repair Grants for Damage Due to Civil Unrest HEATING & AC

The first round of RDC funds are expected to be released The Department of Commerce and Economic Opportunity communities by increasing opportunities for residents who CHUCKS LAWN live, CARE work and do business throughout Illinois,” said Meghan in November. LISC and CNI have brought aboard local (DCEO) today joined the Local Initiatives Support Group DISCOUNT will PEOPLE help streamline (LISC) and Chicago Neighborhood Initiatives (CNI) in Harte, Executive Director of LISC Chicago. “We are thrilled to contractors to conduct repairs, whichLET ROOFING announcing the opening of applications and plans to be a part of Rebuild Distressed Communities and continue the repairs for local businesses facing losses while ensuring Since KNOW YOU in1963 line for the work. All projects will honor coordinate reimbursement and capital repairs on Tuesday, to invest in the prosperity and wellbeing of businesses that local firms are first Roof Repair • New Roofs Maintenance state BEP goals.

October 27, as part of the Rebuild Distressed Communities need it most.”

YOU ARE HERE Re-Roof • Insurance Work To ensure equity in the program, priority for funding will To assist Shingles small• Rubber businesses, community organizations, (RDC) program. The new program will direct $25 million in Hot Tar Spring Clean-Up • Snow Plow READY TO for Certification be Cleaning given •to small businesses, underinsured or uninsured and nonprofitsRoof with navigating the AND application process funding to help cover the costs of civil-unrest-related repairs Services • Gutter Grass FREE Roof Inspection businesses, and minority-owned businesses, and RDC, DCEO will team up with LISC and CNI to host a series while also supporting new investments in economically SERVE—ADD Cutting • Edging • Aeration • Sodwomen • • Carpentry and Concrete • Cleaning • Power 627-1344 essential—such as grocery stores—and businesses in of webinars detailing the grant YOUR opportunities, required distressed communities across (219) Illinois.

To ensure Planting that • Gutter BUSINESS DECKS Before You Buy, Give Us A Try Raking • Weed Removal • Tree & communities facing the most acute damages are able communities that have experienced historic disinvestment. documentation, and more. The following webinars are Shrub Trimming • Tree Removal Licensed, Bonded, Insured DECORATING TO THIS PAGE! to receive support in applying, qualifying and receiving The program also prioritizes contractors from minority, scheduled: Free Estimates FREE ESTIMATES Wednesday, October 28, 2020 from 3:30-4:30 p.m. repair work, the State of Illinois has teamed up with local women, and veteran owned businesses to perform the work.

708-672-0043 Call Tomas 708-825-4292 “We know businesses and their employees are hurting Link to register: organizations, LISC and CNI, to expedite the review process FREE ESTIMATES 312-692-9464 • EXTERIORfollows the needs. during this difficult time, particularly those in communities https://zoom.us/webinar/register/WN_8Sp4V-lTSIuR25btelesLg and INTERIOR ensure assistance “We know that for many communities and businesses where resources are scarce,” said David Doig, President of Friday, October 30, 2020 from 12:00 p.m.-1:00 p.m. (En Español) LAWN CARE WATERPROOFING CNI. “CNI is honored to be joining forces with GARAGE the DCEO and facing unprecedented burdens set forth during the pandemic, Link to register: DOORS HANDYMAN AUTOMOTIVE recent events of civil unrest have dealt a devastating blow that LISC to help businesses in under-resourced communities https://zoom.us/webinar/register/WN_yvFN0xmPT_yzh5e5J2zcvQ support they need to recover as puts our communities, and our economy, at risk,” said DCEO gain access to the financial Friday, November 6, 2020 from 11 a.m.-12 p.m.

Old Decks New Again Quality Work Fair Price “Under the leadership of Governor quickly as possible.”

Director Erin at B.aGuthrie.

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This new This announcement is the latest in a series of grants made • Ceramic Tile • Drywall Repair HANDYMAN SERVICES more!

Lawn Maintenance • Power Rakingto direct RebuildDistressedPotentiallyEligibleZipCodes_091520.pdf program capital program available byGeneral the State Illinois for smallFoundation businesses in Illinois & cracks • Paint leverages • Installs Fencesour Illinois Repairsof Drywall • Supply & Installed Bush Trimming • Aeration & Seeding repaired.

Installpandemic. sump Businesses not listed in those codes may still be eligible suffering losses new investments in community resiliency and help small as a result of the ongoing COVID-19 Hector (cell phone) Garage Doorzip Staining Basic Carpentry Painting Servicehere: Openers Fertilizer • Clean Up •working Mulch & Rockto restore if they operate in an economically distressed area,• listed drainopportunities tile. Lifetime businesses and community organizations This includes over Plumbing $1 billion in pumps, funding Basic Electric Call Tom Best Free transferable warrantyfacing • Sodding • Broken Springs, Cables our commercial corridors launched to help small businesses and communities h t t p s : / / w w w 2 . i l l i n o i s . g o v / d c e o / S m a l l B i z A s s i s t a n c e / R D C / Holes, Cracks & Seams in Drywall Over ten years experience in South to their former glory.”

Price Towing FREE ESTIMATES • Entry & Storm Doors Suburbs, References Selected via aAvailable competitive process, LISC and CNI will RebuildDistressedPotentiallyEligibleZipCodes_091520.pdf losses as aSENIOR result ofDISCOUNTS COVID-19. These programs have a special FREE ESTIMATES Cars may apply to have their zip code FREE ESTIMATES Watch Our Videos at www.youtube. conduct outreach, coordinate local qualified vendorsWe to Buy Junk focus on equity the most heavily impacted communities FREE and ESTIMATES Businesses included. com/users/coronadodecorating perform repairs, and provide funds to cover the cost of Applications will be accepted in rounds until CALL 708-323-5954 funding is and businesses. This includes the Business Interruption completed repairs and building improvements for businesses exhausted, with dates for each round and deadline for that Grants (BIG) program—now accepting applications for $220 in eligible communities across the state. Reimbursements specific round posted on the LISC website. Applications are million available for small business grants. can range from $1,000 to $200,000 depending on eligibility due by 5 p.m. on November 10th for Round 1. To submit an More information on these programs can be found by and the extent of damages. Additionally, LISC will host the application or for more information, visit the LISC website at following the department on social @ILDCEO or on DCEO’s application for the grants on its website. https://www.lisc.org/chicago/regional-stories/rebuild-illinois-distressed- website at “LISC is committed to supporting and strengthening communities-grant/ https://www2.illinois.gov/dceo/Pages/default.aspx

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Tips For Having A Smart Move (NAPSI)—Every year, some 40 million Americans move into a new home. If you’re one of them, consider taking steps to ensure your move is a smart one: 1. Create a to-do list. Write down everything you need to do before you’re settled in your new place. Include budgeting, decluttering, hiring movers and updating important records.

2. Pack a first-night box. Once you get to your new home, you won’t want to hunt for must-have items such as box cutters, tools, device chargers, bed linens, toiletries—or the coffeepot.

3. Stay connected to your world. Set up your Internet, TV and phone service in advance by visiting smartmove.us. That way, you can stay in touch with what matters—family, friends— and the Internet. You’ll be able to explore food delivery options, shop online for home goods and order supplies for your new home. And the best part is, you can kick up your feet and watch your favorite shows at the end of the day.

For more moving tips, go to www.smartmove.us.

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REAL ESTATE FOR SALE • REAL ESTATE FOR SALE • REAL ESTATE FOR SALE • REAL ESTATE FOR SALE • REAL ESTATE FOR SALE • REAL ESTATE FOR SALE REAL ESTATE FOR SALE PUBLISHED 11/04, 11/11, 11/18 IN THE CIRCUIT COURT OF COOK COUNTY, ILLINOIS COUNTY DEPARTMENT - CHANCERY DIVISION NEWREZ LLC D/B/A SHELLPOINT MORTGAGE SERVICING Plaintiff, -v.ANTHONY HARDY, UNKNOWN OWNERS AND NONRECORD CLAIMANTS Defendants 2020CH01873 14313 GRANT ST DOLTON, IL 60419 NOTICE OF SALE PUBLIC NOTICE IS HEREBY GIVEN that pursuant to a Judgment of Foreclosure and Sale entered in the above cause on October 20, 2020,

an agent for The Judicial Sales Corporation, will at 10:30 AM on December 3, 2020, at The Judicial Sales Corporation, One South Wacker Drive, CHICAGO, IL, 60606, sell at a public sale to the highest bidder, as set forth below, the following described real estate: Commonly known as 14313 GRANT ST, DOLTON, IL 60419 Property Index No. 29-03-410-012-0000 The real estate is improved with a residence.

Sale terms: 25% down of the highest bid by certified funds at the close of the sale payable to The Judicial Sales Corporation. No third party checks will be accepted. The balance, including the Judicial Sale fee for the Abandoned Residential Property Municipality Relief Fund, which is calculated on residential real estate at the rate of $1 for each $1,000 or fraction thereof of the amount paid by the purchaser not to exceed $300, in certified funds/or wire transfer, is due within

Protecting Vision From Diabetes (NAPSI)—Diabetes kills more Americans each year than AIDS and breast cancer combined—and can cause serious problems throughout the body. According to the National Eye Institute, eye health, for example, can become critically compromised.

Around 30.3 million Americans, or 9.4 percent of the population, are living with diabetes, with about 1.5 million more being diagnosed every year. The longer someone has diabetes, the greater his or her chances are of developing diabetic retinopathy, or damage to the blood vessels in the retina. According to the National Eye Institute, between 40 and 45 percent of people diagnosed with diabetes have some degree of diabetic retinopathy.

While being overweight and leading a sedentary lifestyle are certainly linked to diabetes, social and environmental factors such as poverty, stress, and lack of safe housing and access to a healthy diet can also compromise your health and ultimately contribute to the development of type 2 diabetes. According to America’s Health Insurance Plans, addressing these social determinants of health has become a top priority for Medicaid programs.

“We encourage our members with diabetes to have regular eye exams to rule out complications,” said Dr. Andrea Gelzer, senior vice president of medical affairs at AmeriHealth Caritas, a national leader in Medicaid managed care and other health care solutions for those most in need.

“We educate our members so they understand that living a healthy lifestyle, controlling their blood sugar and having regular eye exams can help save their vision.”

Simple steps can help mitigate the effects of diabetes and may potentially delay complications from diabetic eye disease, including controlling your blood sugar and blood pressure, monitoring your cholesterol, seeing your doctor regularly, and having a dilated eye exam at least once per year—or more if recommen ded by your eye care professional.

AmeriHealth Caritas is part of the Independence Health Group in partnership with Blue Cross Blue Shield of Michigan and one of the nation’s leaders in health care solutions for those most in need.

twenty-four (24) hours. No fee shall be paid by the mortgagee acquiring the residential real estate pursuant to its credit bid at the sale or by any mortgagee, judgment creditor, or other lienor acquiring the residential real estate whose rights in and to the residential real estate arose prior to the sale. The subject property is subject to general real estate taxes, special assessments, or special taxes levied against said real estate and is offered for sale without any representation as to quality or quantity of title and without recourse to Plaintiff and in “AS IS” condition. The sale is further subject to confirmation by the court.

Upon payment in full of the amount bid, the purchaser will receive a Certificate of Sale that will entitle the purchaser to a deed to the real estate after confirmation of the sale.

The property will NOT be open for inspection and plaintiff makes no representation as to the condition of the property. Prospective bidders

are admonished to check the court file to verify all information.

If this property is a condominium unit, the purchaser of the unit at the foreclosure sale, other than a mortgagee, shall pay the assessments and the legal fees required by The Condominium Property Act, 765 ILCS 605/9(g)(1) and (g)(4).

If this property is a condominium unit which is part of a common interest community, the purchaser of the unit at the foreclosure sale other than a mortgagee shall pay the assessments required by The Condominium Property Act, 765 ILCS 605/18.5(g-1).

IF YOU ARE THE MORTGAGOR (HOMEOWNER), YOU HAVE THE RIGHT TO REMAIN IN POSSESSION FOR 30 DAYS AFTER ENTRY OF AN ORDER OF POSSESSION, IN ACCORDANCE WITH SECTION 15-1701(C) OF THE ILLINOIS MORTGAGE FORECLOSURE LAW.

You will need a photo identification issued by a government agency (driver’s license, passport, etc.) in order to gain entry into our building and the foreclosure sale room in Cook County and the same identification for sales held at other county venues where The Judicial Sales Corporation conducts foreclosure sales.

For information, examine the court file, CODILIS & ASSOCIATES, P.C. Plaintiff ’s Attorneys, 15W030 NORTH FRONTAGE ROAD, SUITE 100, BURR RIDGE, IL, 60527 (630) 794-9876 THE JUDICIAL SALES CORPORATION One South Wacker Drive, 24th Floor, Chicago, IL 60606-4650 (312) 236-SALE You can also visit The Judicial Sales Corporation at www.tjsc.com for a 7 day status report of pending sales.

CODILIS & ASSOCIATES, P.C. 15W030 NORTH FRONTAGE ROAD, SUITE 100 BURR RIDGE IL, 60527

630-794-5300 E-Mail: pleadings@il.cslegal.com Attorney File No. 14-20-00950 Attorney ARDC No. 00468002 Attorney Code. 21762 Case Number: 2020CH01873 TJSC#: 40-2315 NOTE: Pursuant to the Fair Debt Collection Practices Act, you are advised that Plaintiff ’s attorney is deemed to be a debt collector attempting to collect a debt and any information obtained will be used for that purpose.

Case # 2020CH01873 I3158951

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November 4, 2020

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RESILIENCE The last few months have pushed us all. We’ve seen our community meet tough challenges with determination. As we move forward, we want to do what we can to ensure we emerge stronger, together. We’re here to help support your financial foundation with a checking account that offers free ATMs1 and a banking relationship you can rely on.

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Must enroll in online banking, activate e-statements through the bank website, and have at least monthly occurring direct deposits totaling $500 or more each month for the qualification period.3

SOUTH HOLLAND’S COMMUNITY BANK 200 W. 162nd St. | South Holland, IL 60473 708-210-9600 | www.southhollandbank.com

To redeem bonus, open online only at southhollandbank.com/resilience.

South Holland Bank & Trust is a branch of Old Plank Trail Community Bank & Trust Company, N.A. 1. ATM Fees. There is no Wintrust Financial Corporation (‘WTFC’) transaction charge at any ATM in the Allpoint, MoneyPass, or Sum surcharge-free networks. Other banks outside the network may impose ATM surcharges at their machines. Surcharge fees assessed by owners of other ATMs outside the network will be reimbursed. Reimbursement does not include the 1.10% International Service fee charged for certain foreign transactions conducted outside the continental United States. 2. General Information. This Total Access Checking account bonus offer is valid for new accounts opened April 1, 2020 through December 31, 2020. This Total Access Checking account bonus offer is not available to existing or closed checking account customers of WTFC and its subsidiaries or its active employees. Limit 1 bonus payment per customer, regardless of the number of accounts opened. If you qualify for this Total Access Checking account bonus offer, you are ineligible to receive this Total Access Checking account bonus offer from any other WTFC location. If you qualify for any other WTFC savings offer it may be combined with this Total Access Checking account bonus offer. Your new account must be open, in the same product, and have a balance greater than zero to receive the bonus payment. Balance is determined as of the end of each Business Day as the funds currently in your account including deposits and withdrawals made in the Business Day. The $300.00 bonus payment is subject to IRS 1099-INT reporting and may be considered income for tax purposes for the tax year in which the bonus was paid. BANKER INSTRUCTIONS: Enter offer code WFC00DMTA300 during account opening. 3. Bonus Qualifications. (i) Open a new Total Access Checking account; (ii) tell us you are aware of this Total Access Checking account bonus offer at account opening; (iii) have at least monthly occurring direct deposits totaling $500.00 or more each month made to your new account for 2 consecutive calendar months after the calendar month your new account was opened (‘Qualification Period’). For example, if you open your new account in January, you would need to have “Direct Deposits” made to your new account in February totaling $500.00 or more and in March totaling $500.00 or more; and (iv) enroll in online banking and activate e-statements within the Qualification Period. A direct deposit is defined as any payment made by a government agency, employer, or other third-party organization that is made via an electronic deposit. A direct deposit does not include teller/ATM/mobile or remote deposits, wire transfers, online banking/telephone transfers between accounts at WTFC, external transfers from other accounts at other financial institutions or ATM/debit card transfers and deposits. After you have completed all the above bonus qualifications, we will deposit the bonus payment into your new account within 30 calendar days after the Qualification Period. A listing of WTFC locations can be found here: wintrust.com/locations.