The Shopper 11/15/2023

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Katie’s Spotlight Dance Academy are getting ready for their 2nd Annual Holidance Showcase The Dancers of Katie’s Spotlight Dance Academy are getting ready for their 2nd Annual Holidance Showcase in December. The dancers come from all over the region. All of the dancers have been working very hard in preparation for their Showcase with classes every week since August. Katie’s Spotlight Dance Academy is under the direction of Katie Solina. Registration for their next session of classes will be available to see on their Facebook page mid-December.

The next session begins in January and will conclude in Spring with a Spring Showcase. For more information on classes, please visit https://www.facebook. com/KatiesSpotlightDanceAcademy Katie’s Spotlight Dance Academy is located at 8385 Wicker Ave Suite 3 in St. John Indiana across from Lake Central High School.

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Thornton Museum Reopening & Christmas Open House The Village of Thornton Historical Society will be holding a Museum Grand Reopening/ Christmas Open House on Sunday, December 10, from 2:00pm to 5:00pm at their museum located at 114 N. Hunter Street in Thornton. Our restored museum will be open after renovations, and we have some new exhibits along with old favorites, all decorated for Christmas. Santa will be there, along with the St. Paul Singers, Refreshments, a Gift Bazaar with new merchandise and our annual Raffle. Raffle tickets are $1 each or 5 for $6; top prize is a $100 Visa gift card. Raffle tickets may be purchased the day of the open house. Admission is free and everyone is welcome to join us at this festive event. We hope to see you there. Please email any questions to: thorntonilhs@gmail.com

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page 2

November 15, 2023

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 • 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. Adjustment for error is limited to republication.

In any event, adjustment for errors or omissions is limited to the cost of the space occupied.

CLASSIFIED ADS The Shopper offers FREE non-business Classified Ads (20 word maximum).

Business Classifieds are $25 for 20 words, $1.00 per word over.

Place ads online at www.myshopper.biz NEWS Email news items to general@myshopper.biz Some content courtesy of Family Features and Capital News Illinois.

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.

The Towle Theater presents An Evening with Dickens or A One-Man Christmas Carol The Towle Theater is proud to present An Evening with Dickens or A One-Man Christmas Carol, an adaptation of Charles Dickens’ Christmas classic by Jim LaPietra, directed by Towle Theater Managing Director, Jeff Casey, and starring Jim LaPietra. This production is sponsored by Calumet College of St. Joseph.

The classic story as only Dickens, himself, could tell it. In this one man-version of A Christmas Carol, the famous author takes us on a journey alongside Ebenezer Scrooge through the Past, the Present, and the Future as he comes face-toface with ghosts, spirits, and our greatest fear as humans: Change.

The Towle Theater is pleased to welcome back Jim LaPietra to their stage. Jim was last seen in the musical Reefer Madness, as the Lecturer and previously appeared in the 2021 Fabulous 50’s Christmas.

An Evening with Dickens or A One-Man Christmas Carol runs December 1-3, 7-9.

Performances on Fridays and Saturdays are at 8pm and Sundays are at 2pm. The box office opens 1 hour prior to performance time. Tickets (only $24) must be paid for in advance and are non-refundable and non-exchangeable. Group rates are available. There is no late seating. Please arrive no later than 15 minutes prior to curtain.

The Towle Theater is located in beautifulheavily under construction) downtown Hammond at

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BBB Business Tip: Black Friday Stats Every Small Business Owner Should Know

By Rick Walz - President/CEO BBB Serving Northern Indiana Black Friday is quickly approaching, and if you haven’t started thinking about your marketing activities yet, then it’s time to get a jump on it. However, before you can jump into the creative process, you need to take the time to study last year’s trends and stats to create marketing campaigns that will perform.

Black Friday is considered the most important retail day of the year and is a huge opportunity for small businesses to increase their sales and gain new customers. With the right approach, you can take advantage of this and create a profitable holiday.

Eight Black Friday stats you need to know: 1. 76% of consumers say free shipping is a key influence in their buying decisions on Black Friday. Free shipping is a huge factor in consumer decisions when it comes to Black Friday. 76% of consumers say that free shipping is most likely to lead them to make a purchase.

When it comes to making the most of their savings, consumers head online to search for not only the best deals on specific products, but they don’t want to have to pay for the added convenience of not having to leave their homes to shop.

2. 59% of men say they could be convinced to shop Black Friday sales, compared to 57% of women. When people think of Black Friday shopping, most assume females will be the ones to take full advantage of getting up and heading out to save a few bucks. However, as of 2021, men have taken the helm! 59% of men stated that if presented with the right deal, they could be convinced to shop Black Friday deals compared to 57% of women.

3. Shoppers aged 18-24 are most likely to shop Black Friday sales (69%). Young shoppers are the most likely to shop for Black Friday deals. In fact, 69% of shoppers aged 18-24 stated they plan to shop Black Friday sales. This is especially true for in-store shopping, as older generations don’t really care to stand in long lines or wait in traffic to save a few dollars.

4. Brick-and-mortar retail is expected to surge 7.2% - totaling approximately $1.7 trillion. Brick-and-mortar retail is expected to see an increase of 7.2% in sales, totaling $1.7 trillion. This is encouraging as the last few years have seen rather dismal sales numbers for instore shopping due to the global pandemic and stay-at-home orders. However, thanks to

various precautions, foot traffic has increased over the past year.

5. E-commerce sales are expected to fall below 10% - totaling approximately $1 trillion.

E-commerce sales will fall below 10%, although sales are forecasted to pass $1 trillion for the first time. While many precautions are in place that promote a safe in-store shopping experience, millions of Americans plan to take advantage of various shop-at-home specials this year.

6. Cyber Monday is forecasted to outperform Black Friday by nearly $1.8 billion. While many businesses plan to include online sales as part of their Black Friday marketing strategies, Cyber Monday is, again, expected to outperform Black Friday sales by nearly $1.8 billion. Typically, this is thanks to the fact that Cyber Monday has earned its reputation for online holiday deals.

However, with more shoppers still choosing to make online purchases this holiday season, the right deal could convince your audience to purchase on Black Friday instead of Cyber Monday, which is why it’s crucial you perform the right research to see what your competitors are planning.

7. 43% of all online shopping was done on smartphones. In 2021, approximately 43% of all online shopping on Black Friday was done via a smartphone. What does that mean for your small business? If you have an online presence, then you need to make sure your website is mobile-friendly and easy for consumers to use. Otherwise, you risk losing business to the competition.

8. Between 2019 and 2020, social media posts for Black Friday saw an average increase in comments of 1301.7%. Considering a social media campaign this Black Friday? It could prove more beneficial than you may think!

Between 2019 and 2020, posts regarding Black Friday saw a massive increase in engagement, with an approximate increase of 1301.7%.

That’s genuine engagement that can help boost not only sales but brand awareness and lead generation. However, it’s vital that you take the time to respond to this engagement appropriately and quickly, as 75% of consumers will expect a reply from you within 24 hours.

To learn more ways to improve your business practices, go to bbb.org and visit the BBB Small Business Resources page. You can also visit BBB.org/get-accredited to learn how to stand out as BBB Accredited business.

Read The Shopper Online!

Visit issuu.com/myshopper Speaking Of Seniors

Bad Math On Bill 5205 Hohman Avenue. Parking is available just off Fayette Street and only steps away from our alley entrance. Please note that Hohman Avenue is closed from Russell Street to Sibley until further notice. Please visit the Towle website (www. towletheater.org) for a map showing best routes to the theater.

The Towle Theater does not offer advisories about subject matter, as sensitivities vary from person to person. If you have any questions about content, language or age-appropriateness that might have a bearing on patron comfort, please contact the box office at 219-937-8780. For tickets or more information, please call 219-9378780 or visit www.towletheater.org.

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WOODROW WILCOX On November 6, 2023, I wrote a letter to a hospital and its medical biller to complain about bad math on the bills to our client.

With some editing to protect the privacy of our client, here is the letter that I wrote.

Our client sent to our firm two bills from your firm for our review with dates 9/17/23 and 10/20/23. I found some big problems with your bills. You seek a balance of $39.02 from our client on ID # XXXXXXXX. The bill is NOT clear about the date of service but it looks like 03/30/23.

Your bills state that the original charge was $210, that you were paid $210 by insurance, that there is a $39.02 downward insurance adjustment, but that the patient still owes $39.02. How does $210 minus $210 minus $39.02 equal a $39.02 balance? Whether you are using a person or a computer to do your math, that math flunks third grade math. How many other mistakes on other bills are you making? Should we help our client complain about your bad math to Medicare or the consumer protection division of Indiana’s Attorney General?

I phoned the patient’s insurance company.

It reported that there is some kind of billing

problem with your firm and some other rural medical firms. That insurance company is trying to figure out the problem and solve it.

As you can see, the mathematical mistakes that your firm is doing is at least a significant cause of the problem. Please, be patient and communicate with the secondary insurer which is Bankers Fidelity Life Insurance with the phone 866-458-7499.

All the help that I gave this client was FREE OF CHARGE. This insurance agency helps clients with similar medical bill problems without charge to demonstrate that we really care about our clients. If your insurance agent or agency does not give this high level of customer service, why not switch to our insurance agency?

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

He has saved clients of that firm over three million dollars by fighting mistakes and fraud in Medicare medical billing.

Also, Wilcox wrote the book SOLVING MEDICARE PROBLEM$ which can be ordered through book stores or online.

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November 15, 2023

LOCAL CHURCHES TO BE ADDED, EMAIL ERICAW@MYSHOPPER.BIZ CALVARY COMMUNITY CHURCH

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

Christian Development .................11:00 a.m.

Saturday Women’s Grief & Loss Support Group - 2nd Sat. each month at 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................................ 9:15 a.m.

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

WEDNESDAY 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. PATRICK L. DAYMOND WORSHIP SERVICES Sunday Worship ............................. 7:30 a.m. ...................................................... 11:00 a.m.

Wed. Bible Study ................................ Noon

FIRST CHURCH (PCA)

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

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

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

FIRST ORTHODOX PRESBYTERIAN CHURCH OF SOUTH HOLLAND

16248 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.

GRACE LUTHERAN CHURCH, LCMS 8303 Sheffield Avenue Dyer, IN 46311 (219) 322-6527 gracedyer.webchicago.net

WORSHIP SERVICES Sunday........................................... 9:00 a.m.

Monday...........................................6:30 p.m.

Bible Study Sunday.......................10:30 a.m.

JESUS LIGHTHOUSE OF LOVE INTERNATIONAL MINISTRIES

19058 Burnham Ave, Lansing 312-206-1833 facebook.com/JLOLMinistries PASTOR EL CID ZOLLICOFFER PASTOR SHONNI ZOLLICOFFER WORSHIP SERVICES Sunday........................................... 11:00 a.m.

Wed. Service on Facebook.............7:30 p.m.

Women of Worship via Zoom 3rd Sat. @ 12 pm

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.

ST. PAUL’S EVANGELICAL LUTHERAN CHURCH & SCHOOL

8601 Harrison Avenue, Munster, In. 46321 219-838-6720 stplmunster.com Pastors: Peter Speckhard, Adrian Krebs & Donald Stock WORSHIP SERVICES: Saturday: 5:30 p.m.

Sunday: 8 a.m. & 9:30 a.m.

(Nursery available for Sunday morning services)

Wednesday: Thanksgiving Eve, 11/22, 6:30 p.m.

Thursday: Thanksgiving Day, 11/23, 10 a.m.

Bible study: Wednesday: 6:45 a.m. & 10 a.m.

Thursday: 10: a.m.

Sunday: 9:30 a.m. & 10:45 a.m. (after morning services)

page 3

Heart Smart JOSH BOOTSMA When I was younger, my family was playing with our dog in our unfenced front yard. A bicycle went past, and our friendly dog bolted — determined to make a new friend. My brothers and I ran after him. We ran until we couldn’t see him anymore and were too tired to run farther. (We did get him back just a short while later.)

In Psalm 23, David says this of the Lord: “Surely goodness and mercy shall follow me all the days of my life, and I shall dwell in the house of the Lord forever.”

That word “follow” (Radaph in Hebrew) can also be translated more aggressively as “pursue,” “chase down,” or even “harass.” There’s a determination to it. There’s an insistence. There’s a run-until-you-catch-your-dog resolve to it.

And David knew about being followed aggressively — he spent many harrowing days being pursued by a man named Saul, who was intent on finding and killing him.

So when David says the Lord’s goodness and mercy (sometimes translated loving kindness) will chase him for all his days, he’s using that word very intentionally. God’s goodness is aggressive. It’s insistent. It doesn’t stop until it reaches its goal. And that goal is you and me.

One of my favorite songs in recent months has been Bethel Music’s “The Goodness of God.” The bridge of that song proclaims this message, “Your goodness is running after, it’s running after me.”

No matter what else is pursuing you in your life — sickness, heartache, depression, addiction, broken relationships, financial disaster — you can rest assured that you’re being pursued by something and someone far more powerful. The Lord will not stop chasing you until he’s draped his goodness around you like a blanket. Until you’ve surrendered to his warm embrace of loving kindness.

Will you keep running? Or will you let God’s goodness and love catch you today?

Josh Bootsma Member, Covenant Fellowship Church cfcsh.org

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Move in and enjoy this wonderful home in a well established neighborhood.

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ESPIRITU DE DIOS

16400 S. State St., South Holland 708-439-1220 sogfchurch.com PASTORES Jose & Paula Lopez SERVICIOS: Grupo de Oracion de Hombres Jueves ............................................7:30 p.m.

Sabado Alabanza y Predicacion.....6:00 p.m.

UNITY OF NORTHWEST INDIANA

Plum Creek Center 2138 Moeller Street Dyer, IN 46311 (219) 931-5284 www.unitynwi.org ALL WELCOME MINISTER: REV. GERALDINE COLVIN SUNDAY SERVICE.......................10:00 AM

Invite your community to church.

Join The Shopper’s Church Directory by calling 708-333-5901

VERSE OF THE WEEK

Let me not be put to shame, Lord, for I have cried out to you...

Psalm 31:17 Attend the church of your choice.

page 4

November 15, 2023

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LIBRARY HAPPENINGS Dolton Public Library

Address: 14037 Lincoln Ave, Dolton, IL Phone: 708-849-2385 Email: lincoln@doltonpubliclibrary.org Website: www.doltonpubliclibrary.org

PLEASE JOIN OUR FREE HEALTH WELLNESS FAIR The fair is to be held on October 12 th from 11am – 2pm (14037 Lincoln Ave. Dolton, IL.) Free Blood Pressure checks, Medicare, Diabetes screenings, Ayurvedic Therapy Resources and etc. There will be a FREE RAFFLE and surprise giveaways.

TRUNK OR TREAT Trunk or Treat with us at the Dolton Public Library District FALL FESTIVAL. To be held on Saturday October 28 th from 12:30 – 4:30pm. (This event will be held in the back parking lot/ if inclement weather treats will be moved to YOUTH SERVICES DEPARTMENT) Event will include PHOTOOP, SPOKEN WORD with music and THE MAGIC of SPELLBINDER. FUN!! For the whole family. LIVE MUSIC and MORE… Identity Theft and Scam IDENTITY THEFT SCAM with guest speaker to be held on Thursday September 28 th , from 10 to 11am. This is an in-person event and registration is REQUIRED. Please call (708) 849-2385 x3 leaving your full name, email address and phone number to or email lincoln@doltonpubliclibrary.org register. FREE CRAFTS WITH SUE Make a Button Tree Painting at the Dolton Public Library District (14037 Lincoln Ave. Dolton, IL.) held on October 28 th , from 11 to 1pm in the Josway Auditorium. “ALL SUPPLIES WILL BE PROVIDED.” PLEASE WEAR AN OLD SHIRT. LIMITED TO 12 PARTICIPANTS. MASK ARE REQUIRED. Please call (708) 849-2385 x5 to register. FREE BINGO NIGHT. Starting October 12th, from 3 – 4pm. Held every 2 nd and 4 th Thursday in the Kopac. Please call (708) 849-2385 x3 leaving your full name, email address and phone number or send email to lincoln@doltonpubliclibrary.org to register. FREE Virtual Zumba Dolton Public Library District presents VIRTUAL ZUMBA with licensed instructor Yvette Roberts. Come and join in the fun every Friday at 5pm. Please call (708)849-2385 or email lincoln@doltonpubliclibrary.org and leave your full name, email address and phone number to register. (5pm – 6pm every Friday). FREE BEGINNERS LINE DANCING with “DAWN the DANCIN’’ DEEVA” Every Wednesday, from 3pm to 4pm. Please call 708-849-2385 ext. 3 to register, RSVP between Friday, 9am and Tuesday, 4pm ONLY. Leaving your full name and phone number.

Held in the Josway Auditorium. FREE VIRTUAL SENIOR YOGA Every Wednesday taught by Dionne Arnold, Certified Yoga Instructor, (4pm to 5pm) Please call 708-849-2385 or email lincoln@ doltonpubliclibrary.org and leaving your full name, email address and phone number to register. FREE SENIOR BRIDGE CLUB Held every Tuesday, in person, from 3:30pm to 4:30pm.Please register by calling 708-849-2385 x3 or send email to lincoln@doltonpubliclibrary. org and leave your full name, email and phone number to register. FREE VIRTUAL WORKOUT with SHEENA STINSON Get in Shape from Home. Classes held every Monday from 6pm to 6:30pm. Please call 708-849-2385 or email us at lincoln@ doltonpubliclibrary.org leaving your full name, email address and phone number to register. A Zoom Link will be sent day of the program. FREE

Get up and Move with Simon Says Join the Dolton Public Library Youth Services Dept. as we play “Simon Says”. Held every 3rd or 4th Friday from 10:45 to 11:45am starting Oct. 27 th . PLEASE CALL FOR FUTURE DATES. Register by calling (708849-2385, ext. 4) or emailing at lincoln@ doltonpubliclibrary.org leaving your name, email address, phone number and the number of children participating. FREE Buriobo Burbio is a one-stop free resource to find out about all the Dolton area events and activities.

If your group wishes to post your events on burbio contact: groupsupport@burbio. com Sign-up at Burbio.com or download the free Android or iPhone app and follow the calendars that interest you. FREE VIRTUAL PASSPORT TO KNOWLEDGE, Every first Monday of the month from 3:30 – 4pm. Pack your bags for a virtual trip around the world and learn about other countries and cultures. Register at lincoln@ doltonpubliclibrary.org or call (708-849-2385) and leave your name, email and phone number.

Come curbside to pick up your Passport Packet prior to departure. The link for Zoom will be emailed prior to the program. FREE BETWEEN the PAGES: A Virtual Story Time Every third Saturday of the month at 1:30pm.

To register call (708-849-2385) or email lincoln@doltonpubliclibrary.org and leave your name, phone number and email address. A link will be sent to you. FREE COOKBOOK BOOK CLUB Will meet in the Josway Auditorium on one Saturday a month, from 11am to 1pm at the library (14037 Lincoln Avenue, Dolton, IL 60419). To discuss the selected cookbook and to taste samples that have been prepared by our members from the recipes within the book.

Potential new members please call 708-849-2385, ext. 5 to register leaving your name, email and phone number to get complete details. FREE Homework Help GOT HOMEWORK? NEED HELP? For ages 5 – 14yrs, make an appointment with Mrs. Brooks on Fridays or Saturdays by calling (708) 849- 2385 x 4. Sessions are limited to 30 minutes each. FREE Toddler Time For young children (18 mos – 4 yrs.) and their caregivers. Every 2nd Tuesday, 10:45am – 11:45am.

14037 Lincoln Avenue, Kopac Room, starting June 6, 2023. To join us, please register at lincoln@ doltonpubiclibrary.org leave your name, email address or call at 708-849-2385, ext. 4. FREE Family Game Time Join us twice a month on Saturday, from 1:00 to 2:30pm for free fun and activities. To be held in the Youth Services department. Call (708) 849-2385 x 4 for future dates. NO REGISTRATION REQUIRED. FREE Creative Craft Join Ms. Barbara every 4th Wednesday for a new fun art craft from 3:30 – 4:00 pm in the Kopac Room. NO NEED TO REGISTER KIDS &YOUTH 5-16 YRS. FREE! Adutl Protective Services What is Elder Abuse? The Dolton Public Library presents ADULT PROTECTIVE SERVICES with Guest Speaker on Tuesday November14th from 11am – 12pm in the Kopac (14037 Lincoln Ave. Dolton, IL.) To register please call (708) 849 – 2385 x 3 or email lincoln@doltonpubliclibrary.org to register.

Harvey Public Library

Address: 15441 Turlington, Harvey, IL 60426 Phone: 708-331-0757x3200 Email: has@harvey.lib.il.us Website:www.harvey.lib.il.us

FREE online Line Dancing with Dawn the Diva, Tuesdays at 6:30pm Join Us For Virtual Programs: Each day at 4:00 pm, “stop” in for online family-fun at the Harvey Library. Tuesday: Craft Wednesday: Story Time Thursday: Bacon Bits & Cooking Tips Monthly Virtual Music Class (Friday, check calendar each month)

Riverdale Public Library

Address: 208 W 144th St Riverdale, IL 60827 Phone: (708) 841-3311 Email: library@rpld.org Website: www.rpld.org

Tots & Tales Storytime Every Tuesday from 11 am – 12 pm Ages 2-7 Listen to the storytelling of Ms. Cheryl and afterwards, participate in a fun-filled craft.

Tutoring & Downtime Every Tuesday and Thursday 3:30 – 5:30 pm Grades K-8 Find answers to your homework needs during our group tutoring sessions. Get help with math, writing assignments, science, and more.

Annual Christmas Dinner Gift basket giveaway. A variety of tasty treats will be on hand and 100% of the proceeds go toward the baskets.

CFree Hair Cuts Wednesday, November 27 12 – 2 pm All ages Limit 15, book your appointment early.

November is Patron Appreciation Month Thankful Thursday Giveaway: November 2, 9, 16 and 30 10:30 am – 5:30 pm All Ages Stop by the library for coffee, apple cider, and treats, while supplies last.

Jewelry Making Class (All ages) Saturday, November 18 12:30 – 2 pm Ages 5+ Handmake simple, cute and artsy jewelry like earrings and bracelets.

Family Game Day Saturday, November 25 12 – 1:30 pm Enjoy classic board games, card games and more.

Bookies Book Club Wednesday, November 29 4 – 5 pm Adults/ Seniors This month we will be discussing Marrying the Ketchups by Jennifer Close. Stop in and get your copy at the Circulation Desk.

Calendar of the Month Women’s Bible Study Discover Your Bible with us at Cottage Grove Christian Reformed Church, 166th Street and Cottage Grove Avenue (by the roundabout) in South Holland, Tuesday mornings from 9:45 – 11:00 a.m. beginning on September 12.

We will begin our season with a 7-week study of the Old Testament book of Micah. After we complete Micah, we plan to study 1 & 2 Timothy (10 lessons). We provide a Nursery for infants and Story Hour for preschoolers to age 5. For information call the church at 708- 3310391 or Carol at 708-339-6793. We would love to have you join us!

PNA Silver Bell Club PNA Silber Bell Club presents, Halfway to Dyngus Day with the DynaVersa Stick Tone Aires. Get ready to celebrate Halfway to Dyngus Day with the Silver Bell Club on Saturday, November 18th, 2023 at Chesterton Moose Lodge located at 602 Broadway, Chesterton, IN. For tickets call Steve Futa at (574)780-1913 or Sal at (219)789-2204.

Tickets are $10.00 in advance and $15.00 at the door. Polish food will be available for purchase! Doors open at 2:00pm. Cash bar and music starts at 3:00pm The Polish American Heritage Month Committee of the Calumet Region supports the Silver Bell Club in this cultural endeavor!

BINGO: November 1-30 All Ages Utilize library services throughout the month to fill your bingo card. Each time you hit BINGO, be entered into a raffle to win fun prizes including library swag, gift cards, and more! Pick up your scorecard at the library beginning November 1.

Hooks & Needles (November) Mondays, November 6, 13, 20, 27 3:30 – 5 pm All Ages Stitchers of all skill levels are welcome to join in as we crochet or knit hats and scarves for the Library’s Clothing and Coat giveaway in November. Then, starting in December our Granny Square Afghan group project will commence. Limited supplies available, bring what you can.

Healthy You (November) Mondays, November 6, 13, 20 10:30 am – 12:30 pm Adults/Seniors The library will be hosting TCA Health, Inc. for a nine-week series that will include health screenings and nutrition classes.

Friday Films (All ages) Friday, November 17 (G-PG13) 2 – 4 pm All Ages Drop in for popcorn and a movie. This event is free.

Puzzle Club Wednesday, November 15, 3:30 – 4:30 pm All Ages Join in the fun as we put together puzzles.

Individually or form a team.

Let’s Learn Together Friday, November 17, 3:45 – 4:45 pm All Ages Come join us at the library and create a Halloween wreath.

Email your library events to general@myshopper.biz

Say I saw it in The Shopper

November 15, 2023

page 5

LICENSED IN BOTH IL & IN! Janice Minton-Kutz 708.302.8585 Realtor

Michael Cavoto

Senior Mortgage Banker

708.372.0712

WE MAKE BUYING & SELLING EASY

page 6

November 15, 2023

SUDOKU

Say I saw it in The Shopper

CROSSWORD

SOLVE THE MAZE

Fill in the blank squares in the grid, making sure that every row, column and 3x3 box includes all digits from 1 through 9.

WORDSEARCH

ACROSS DOWN 1. A city in north-central India 1. Hyrax 6. A method of dyeing cloth 2. Emergency Services Management 11. A tool for punching holes 3. Fifty-two in Roman numerals 14. Pertaining to the largest continent 4. Cap 15. Without companionship 5. Live or dwell 16. 22nd letter in the Greek alphabet 6. A lyric poet 17. Bits or fragments (slang) 7. Downwind 19. One more than nine 8. Anagram of “Dote” 20. Tallied 9. Hotel 21. Not here 10. Small falcon 23. A parasitic marine protozoa 11. Portrayed a role 27. Wore away 12. What place?

28. Hid under an insincere appearance 13. Delineated 32. Ill-suited 18. Type of cheese 33. Floral leaf 22. A box for bricks 34. Encountered 23. Farewell 37. Nervous 24. Intellects 38. Graph 25. A Siouan people 39. Lady 26. Catch sight of 40. Utilize 27. French for “State” 41. Not those 29. Show someone to their seats 42. Consumed 30. The smallest amount 43. Myopic 31. French for “After” 45. A protective embankment 34. Not glossy 48. Not winners 35. Chieftain 49. A flat-bottomed boat 36. Has a disposition to do something 50. Group of 8 38. Hack 53. Biography (abbrev.)

39. Backwards shad 54. Near enough 41. Used for sewing 60. Self-importance 42. Self-importance 61. Fantasy 43. Droop 62. A waste water conduit 44. Genus of holly 63. A tribe of Israel 45. Receded 64. Melodies 46. A Eurasian goat-like antelope 65. Digs for metals 47. Sing softly 50. Not closed 51. Cliff 52. Male cats 55. Not amateur 56. Japanese apricot 57. Bristles on a sheath of barley 58. T 59. Make a mistake

NATIONAL CLEAN OUT YOUR REFRIGERATOR DAY NOVEMBER 15 IS NATIONAL CLEAN OUT YOUR REFRIGERATOR DAY, A HOLIDAY MOST PEOPLE ARE NOT AWARE OF, BUT ONE THAT HAS MORE PRACTICAL PERTINENCE THAN MANY HOLIDAYS WE OBSERVE. BELOW, I PROVIDE A SAMPLE SCHEDULE FOR THE LEAD-UP TO THE DAY. AFTER READING THIS ARTICLE, GO TO YOUR MINI FRIDGE.

REFRIGERATOR PREP WORD SEARCH FOODIE FUN GATHERING HEADCOUNT HOME COOKED

LEFTOVERS PLACE SETTING POTLUCK PREPPING RECIPE

STUFFING TABLECLOTH TURKEY

SOLUTIONS

CASSEROLE CENTERPIECE CRANBERRIES FAMILY FAMILY STYLE

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.

Say I saw it in The Shopper

November 15, 2023

page 7

WE’RE SAVING YOUR CHILD'S SEAT or f e e r F le eligib s! e famili

High-quality early childhood programs in southern and western Cook County. Serving women and children prenatal to five-years-old in centers and home-visiting programs.

Locations: Harvey/South Holland Ford Heights Chicago Heights Dolton

Contact us to learn if you’re eligible for free child care 708-365-1500 or visit: earlylearning.actforchildren.org/enroll-now.

Christmas Bingo with the South Holland Police Department

Friday, December 8 | 12pm-3pm South Holland Community Center | 501 E 170th St Join the South Holland Police Department for Bingo, food and prizes!

For South Holland residents aged 55+. 60 maximum participants Please register with Officer Megan Norris by email only (no phone calls, please) mnorris@southholland.org

page 8

November 15, 2023

Say I saw it in The Shopper

REAL ESTATE FOR SALE • REAL ESTATE FOR SALE • REAL ESTATE FOR SALE • REAL ESTATE FOR SALE IIN THE CIRCUIT COURT OF COOK COUNTY, ILLINOIS COUNTY DEPARTMENT - CHANCERY DIVISION U.S. BANK NATIONAL ASSOCIATION Plaintiff, -v.DAMON RITENHOUSE, SPECIAL REPRESENTATIVE OF DAVID C. BESSETT, DECEASED, UNKNOWN OWNERS AND NON-RECORD CLAIMANTS, CHARLES BESSETT, MICHELLE FORD, UNKNOWN HEIRS AND LEGATEES OF DAVID C BESSETT Defendants 2022 CH 06667 153 148TH STREET EAST HARVEY, IL 60426 NOTICE OF SALE PUBLIC NOTICE IS HEREBY GIVEN that pursuant to a Judgment of Foreclosure and Sale entered in the above cause on September 6, 2023, an agent for The Judicial Sales Corporation, will at 10:30 AM on December 7, 2023, at The Judicial Sales Corporation, One South Wacker, 1st Floor Suite 35R, Chicago, IL, 60606, sell at a public sale to the highest bidder, as set forth below, the following described real estate: Commonly known as 153 148TH STREET EAST, HARVEY, IL 60426 Property Index No. 29-08-305-035-0000 The real estate is improved with a single family residence.

22 CH 1384 NOTICE OF SALE PUBLIC NOTICE IS HEREBY GIVEN that pursuant to a Judgment of Foreclosure and Sale entered in the above entitled cause Intercounty Judicial Sales Corporation will on Monday, December 4, 2023 at the hour of 11 a.m. in their office at 120 West Madison Street, Suite 718A, Chicago, Illinois, sell at public auction to the highest bidder for cash, as set forth below, the following described mortgaged real estate: P.I.N. 29-15-401-004-0000.

Commonly known as 15923 S. PARK AVE., SOUTH HOLLAND, IL 60473.

The mortgaged real estate is improved with a single family residence. If the subject mortgaged real estate is a unit of a common interest community, the purchaser of the unit other than a mortgagee shall pay the assessments required by subsection (g-1) of Section 18.5 of the Condominium Property Act. Sale terms: 10% down by certified funds, balance, by certified funds, within 24 hours. No refunds. The property will NOT be open for inspection.

For information call Mr. Ira T. Nevel at Plaintiff ’s Attorney, Law Offices of Ira T. Nevel, 175 North Franklin Street, Chicago, Illinois 60606.

(312) 357-1125. 22-00182 ADC INTERCOUNTY JUDICIAL SALES CORPORATION intercountyjudicialsales.com

single family residence. If the subject mortgaged real estate is a unit of a common interest community, the purchaser of the unit other than a mortgagee shall pay the assessments required by subsection (g-1) of Section 18.5 of the Condominium Property Act.

tempting to collect a debt and any information obtained will be used for that purpose.

Sale terms: 10% down by certified funds, balance, by certified funds, within 24 hours. No refunds. The property will NOT be open for inspection.

...

For information call Mr. Ira T. Nevel at Plaintiff ’s Attorney, Law Offices of Ira T. Nevel, 175 North Franklin Street, Chicago, Illinois 60606.

(312) 357-1125. 23-00119

COUNTY DEPARTMENT - CHANCERY DIVISION

intercountyjudicialsales.com

Plaintiff,

I3232088

-v.-

...

RHONDA R. HAMPTON-TOLBERT, REGINALD L. TOLBERT, THE NORTHERN TRUST COMPANY, ILLINOIS HOUSING DEVELOPMENT AUTHORITY, VILLAGE OF SOUTH HOLLAND

IN THE CIRCUIT COURT OF COOK COUNTY, ILLINOIS COUNTY DEPARTMENT - CHANCERY DIVISION

2019 CH 04433

Plaintiff,

16713 MAPLE STREET

-v.-

SOUTH HOLLAND, IL 60473

TONYA REED A/K/A TONYA LATRESE REED

NOTICE OF SALE

23 CH 01787

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.

vs.

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.

NONRECORD CLAIMANTS;

Commonly known as 721 EAST 157TH STREET, SOUTH HOLLAND, IL 60473

Defendants,

Property Index No. 29-15-219-003-0000

23 CH 2921

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).

NOTICE OF SALE

The real estate is improved with a single family residence with a two car garage.

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.

P.I.N. 29074220410000.

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.

MCCALLA RAYMER LEIBERT PIERCE, LLC Plaintiff ’s Attorneys, One North Dearborn Street, Suite 1200, Chicago, IL, 60602. Tel No. (312) 346-9088.

721 EAST 157TH STREET

LAKEVIEW LOAN SERVICING, LLC. Plaintiff,

HERMAN T. KILLION; UNKNOWN OWNERS AND

PUBLIC NOTICE IS HEREBY GIVEN that pursuant to a Judgment of Foreclosure and Sale entered in the above entitled cause Intercounty Judicial Sales Corporation will on Monday, December 11, 2023 at the hour of 11 a.m. in their office at 120 West Madison Street, Suite 718A, Chicago, Illinois, sell at public auction to the highest bidder for cash, as set forth below, the following described mortgaged real estate:

Commonly known as 11 West 150th Street, Harvey, IL 60426.

The mortgaged real estate is improved with a single family residence. If the subject mortgaged real estate is a unit of a common interest community, the purchaser of the unit other than a mortgagee shall pay the assessments required by subsection (g-1) of Section 18.5 of the Condominium Property Act. Sale terms: 10% down by certified funds, balance, by certified funds, within 24 hours. No refunds. The property will NOT be open for inspection.

THE JUDICIAL SALES CORPORATION

For information call The Sales Department at Plaintiff ’s Attorney, Diaz Anselmo & Associates, P.A., 1771 West Diehl Road, Naperville, Illinois 60563. (630) 453-6925. 6706-191627 ADC

One South Wacker Drive, 24th Floor, Chicago, IL 60606-4650 (312) 236-SALE

INTERCOUNTY JUDICIAL SALES CORPORATION

You can also visit The Judicial Sales Corporation at www.tjsc.com for a 7 day status report of pending sales.

intercountyjudicialsales.com

MCCALLA RAYMER LEIBERT PIERCE, LLC One North Dearborn Street, Suite 1200 Chicago IL, 60602 312-346-9088 E-Mail: pleadings@mccalla.com Attorney File No. 22-09125IL_775935 Attorney Code. 61256 Case Number: 2022 CH 06667 TJSC#: 43-3579

...

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.

I3232055

IN THE CIRCUIT COURT OF COOK COUNTY, ILLINOIS COUNTY DEPARTMENT - CHANCERY DIVISION WILMINGTON TRUST, NATIONAL ASSOCIATION, NOT IN ITS INDIVIDUAL CAPACITY, BUT SOLELY AS

SOUTH HOLLAND, IL 60473 NOTICE OF SALE PUBLIC NOTICE IS HEREBY GIVEN that pursuant to a Judgment of Foreclosure and Sale entered in the above cause on September 11, 2023, an agent for The Judicial Sales Corporation, will at 10:30 AM on December 12, 2023, at The Judicial Sales Corporation, One South Wacker, 1st Floor Suite 35R, Chicago, IL, 60606, sell at a public sale to the highest bidder, as set forth below, the following described real estate:

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, in certified funds/or wire transfer, is due within twenty-four (24) hours. 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.

TRUSTEE OF MFRA TRUST 2015-1;

MCCALLA RAYMER LEIBERT PIERCE, LLC Plaintiff ’s Attorneys, One North Dearborn Street, Suite 1200, Chicago, IL, 60602. Tel No. (312) 346-9088.

Plaintiff,

THE JUDICIAL SALES CORPORATION

Case # 2022 CH 06667

vs.

I3232009

KIMBERLY WATKINS;

One South Wacker Drive, 24th Floor, Chicago, IL 60606-4650 (312) 236-SALE

...

Defendant,

IN THE CIRCUIT COURT OF COOK COUNTY, ILLINOIS

23 CH 1048

COUNTY DEPARTMENT - CHANCERY DIVISION MCLP ASSET COMPANY, INC.; Plaintiff, vs.

SHONTELL L. MOREHEAD A/K/A SHONTELL MOREHEAD, LOAN FUNDER LLC, SERIES 2067, VILLAGE OF SOUTH HOLLAND; Defendants,

Calendar 64 NOTICE OF SALE PUBLIC NOTICE IS HEREBY GIVEN that pursuant to a Judgment of Foreclosure and Sale entered in the above entitled cause Intercounty Judicial Sales Corporation will on Wednesday, December 13, 2023 at the hour of 11 a.m. in their office at 120 West Madison Street, Suite 718A, Chicago, Illinois, sell at public auction to the highest bidder for cash, as set forth below, the following described mortgaged real estate: P.I.N. 28-24-102-018-0000.

Commonly known as 3025 SHERWOOD AVENUE, MARKHAM, IL 60428 The mortgaged real estate is improved with a

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PUBLIC NOTICE IS HEREBY GIVEN that pursuant to a Judgment of Foreclosure and Sale entered in the above cause on September 12, 2023, an agent for The Judicial Sales Corporation, will at 10:30 AM on December 14, 2023, at The Judicial Sales Corporation, One South Wacker, 1st Floor Suite 35R, Chicago, IL, 60606, sell at a public sale to the highest bidder, as set forth below, the following described real estate: Commonly known as 16713 MAPLE STREET, SOUTH HOLLAND, IL 60473

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, in certified funds/or wire transfer, is due within twenty-four (24) hours. 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, contact JOHNSON, BLUMBERG & ASSOCIATES, LLC Plaintiff ’s Attorneys, 30 N. LASALLE STREET, SUITE 3650, Chicago, IL, 60602 (312) 541-9710. Please refer to file number 19 6833.

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.

JOHNSON, BLUMBERG & ASSOCIATES, LLC 30 N. LASALLE STREET, SUITE 3650

E-Mail: ilpleadings@johnsonblumberg.com

One North Dearborn Street, Suite 1200

Attorney File No. 19 6833

Chicago IL, 60602

Attorney Code. 40342

312-346-9088

Case Number: 2019 CH 04433

E-Mail: pleadings@mccalla.com

TJSC#: 43-3677

Attorney File No. 23-14294IL_891289

Case Number: 23 CH 01787

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.

TJSC#: 43-3657

Case # 2019 CH 04433

NOTE: Pursuant to the Fair Debt Collection Practices Act, you are advised that Plaintiff ’s attorney is deemed to be a debt collector at-

I3232257

CALL NOW

866.753.9521

• Veterans Pension • Survivors or Lifeline Benefits • Tribal Assistance Program • Housing Assistance

CALL TODAY (855) 524-9518

The judgment amount was $231,674.46.

MCCALLA RAYMER LEIBERT PIERCE, LLC

ONE DAY

• Medicaid • SNAP • SSI • WIC

The real estate is improved with a single family residence.

Chicago IL, 60602

YOUR BATHROOM. YOUR WAY. IN AS LITTLE AS

Property Index No. 29-22-405-013-0000

You can also visit The Judicial Sales Corporation at www.tjsc.com for a 7 day status report of pending sales.

Attorney Code. 61256

Defendants

LOANDEPOT.COM, LLC

...

COUNTY DEPARTMENT - CHANCERY DIVISION

IN THE CIRCUIT COURT OF COOK COUNTY, ILLINOIS

INTERCOUNTY JUDICIAL SALES CORPORATION

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, in certified funds/or wire transfer, is due within twenty-four (24) hours. 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.

IN THE CIRCUIT COURT OF COOK COUNTY, ILLINOIS

I3232232

U.S. BANK TRUST NATIONAL ASSOCIATION, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS OWNER TRUSTEE FOR RCF 2 ACQUISITION TRUST

Defendants

I3231642

Case # 23 CH 01787

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312-541-9710

...

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Notice is hereby given, pursuant to “An Act in relation to the use of an Assumed Business Name in the conduct or transaction of Business in the State,” as amended, that a certification was registered by the undersigned with the County Clerk of Cook County.

Registration Number: 4029339 on MAY 2023 under the assumed business name of OLIVE EXPRESS ENTERPRISE D/B/A HOUSEKEEPER DE APROPOS UNINC ASSOC. and AUTHORITY DESIGNER D/B/A HOUSEKEEPER DE APROPOS UNINC ASSOC. with the business located at 4350 211TH STREET APT 201A PMB 1135, MATTESON IL, 60443, COOK COUNTY. The true and real full name(s) and residence address of the owner(s)/partner(s) are OLIVET KRISSA LADY, NUMBER TWO SECTION 1 RENAI ROAD, TAIPEI, TAIWAN.

PUBLICATION NOTICE OF COURT DATE FOR REQUEST FOR NAME CHANGE (MINOR)

There will be a court date in Cook County on my request, SHANNON MONIQUE HOLYFIELD, to change the names of my minor child, from KRISTYNA PENELOPE GARRET to KRISTYNA PENELOPE HOLYFIELD.The court date will be NOVEMBER 27, 2023 at 10:00am at 16501 S. Kedzie Parkway, Markham, IL 60426, in Courtroom 0208, in Cook County. Case number 23M6009359.

PUBLICATION NOTICE OF COURT DATE FOR REQUEST FOR NAME CHANGE (ADULT) There will be a court date in Cook County on my request to change my name from MARY FRANCES POLK. to the new name of MARY FRANCES JONES. The court date will be FEBRUARY 2, 2024 at 10:30am via ZOOM Meeting. ZOOM Meeting ID 95894921843. Zoom Password 226532.

Case Number 2023CONC001590.

Say I saw it in The Shopper

Classifieds

Services AC/HEATING SERVICES: Summer Special! Furnaces or A/C’s , Clean & check $59.95. Furnaces, A/C’s, Boilers, water heaters, sump pumps, humidifiers, installations, repairs, furnaces installed from $1495.00 R/D Heating & Cooling. IL. and IN. 219-616-3281 DRYWALL REPAIR: Handy “All” Drywall Repair, plaster repair, light construction, interior decorating and interior painting. Cell 708-514-0217 phone 708-841-2523. Stanley McDavid ARE YOU BUYING OR SELLING PROPERTY? WE SPECIALIZE IN DELIVERING RESULTS. BRUCE MCKINNEY Call, send a text message, or an emailCell: 708-269-2992, email: bruce@ familypriderealty.comFamily Pride Realty, 3337 W. 95th St., Evergreen Park, IL. 60805 OVERNIGHT OFFICE CLEANING AVAILABLE. South Holland Area. Call Randy 708-552-1839 HANDY MAN SERVICE Lenord Wilks - Call 1-773-897-9464 LIGHT BULB SERVICE Will replace your burnt out and broken bulbs - Interior/ Exterior. Also replace Smoke and CO2 Detector Batteries.

219-865-2345 ALL HANDYMAN REPAIRS Done On The Side to save money! Painting, drywall, tile, concrete patching, doors, roofing, hauling. Very reasonable.

Mark 708-408-7192 CONCRETE & PATCHING Done On The Side to save you money. Also general contracting, handyman work, FHA work & snowplowing. Very reasonable. Call Mark 708-408-7192 PAINTING SERVICES: Economy Painting. Interior/ Exterior painting 20% Off. Mention this ad. Wallpaper instllation. General drywall repair & installation. Best price guaranteed. Ask for Ed. 708-548-6356 or 708-2885038.

Read The Shopper Online! Visit issuu.com/myshopper

November 15, 2023

page 9

Submit your classified ad online at myshopper.biz or email general@myshopper.biz ADG HANDYMAN Cleaned gutters and repairs, installing new gutters, protectors/cover caps. Never clean gutters again!

Unclogging all pipes large and small. 312-8356645/708-250-4752 gholston859@gmail.com

CORONADO HOME IMPROVEMENTS. Providing home improvement services such as drywall repairs, painting, floor installations, plumbing and electrical services. For free estimates call (219) 902 1017

HELP WANTED

PLUMBING SERVICES: J.E.M. Plumbing & Sewer, Drain Cleaning Specialist, water lines, pumps, water heater, faucets, toilets, same day service. 219-845-7589 or 708-896-0500

Wanted

CATHOLIC CHURCH IN SOUTH HOLLAND HAS AN OPENING FOR A PART-TIME “MAINTENANCE” PERSON. Responsibilities include, but not limited to, up-keep of the facilities and grounds, both inside and out.

This includes--cleaning meeting rooms, sanctuary, gym, kitchen areas, bathrooms, maintenance of lawn/shrubs, snow removalwalkways, small repairs, set-up for events, etc. Call 708-333-3550 or Email christoursavior@archchicago.org

GUTTER CLEANING: SUPER FLOW Gutter cleaning, Free estimates. Very reasonable. Ask for Rob. No Sundays. 708-877-6860 HOME IMPROVEMENT: A&A Services services faucets, carpentry locks, fence and gate repair, gutter cleaning, power washing, toilet repairs, wind damage repairs, caulking, rooftop repair. Insured. Free estimates. 219-865-2345 TREE SERVICE: Maggy’s Tree Service. Tree’s Topped, Trimmed, Removed, Bush Removal, Stump Removal.

Walks shoveled. Also Insured Bonded. Free estimates. 708-200-8078 PAINTS OF AMERICA interior and exterior painting, plus carpet cleaning and gutter cleaning. Senior discounts. Call Algie at 708-574-6367 HARP-WILL CLEANING INC. has several openings for experienced, dependable Home/Office Cleaners with a track record of excellent service. We offer competitive pay. Contact us at info@ harpwillcleaning.com or 708-855-4294.

GUTTER CLEANING. Just a friendly reminder that your gutters need cleaning. Also, for a limited time, we offer a Free Rooftop Inspection at no extra charge. Call today for your free quote 219-8652345 SHELTON’S FIREARM AND SELF DEFENSE LLC. www. sheltonsfirearmsandself defense.com Don’t be a Victim, Book A Class Today! “Shelton’s Firearm and Self Defense Training LLC” 708-502-3718 TRIPLE E LAWNCARE Full Service weekly lawn care.

Power Raking, Aeration, Fertilization, Bush Trimming/ Removal/ Planting. Erik of Lansing 708-858-1213 DAILY MOVERS 20 miles one way $325-$425 Special 708-940-1378

WANTED NEW OR USED CHILDREN’S BOOKS FOR FAMILY LITERACY DAY. (November 16) 708-9908002 Angiemjames409@ Gmail.com WANTED DEGAN OR MUSSER VIBRAPHONE CALL 219-801-0955 IN DESPARATE NEED SMALL CAR FOR 80 YEAR OLD - ECONOMICAL CAR CAN BE DAMAGED IF RUNNING FOR LOW INCOME SR. CITIZ. Does not have to pass emission test if the price is right - Call 219-801-0955 WANTED: 1972 & OLDER CARS & TRUCKS, PARTS, RUNNING OR NOT (and parts) unfinished project and 67-69 Camaros. 708-4399770 WANTED - GARAGE TO STORE MY OLD DODGE CAR. Could use 1 or 2 Stall Garage. Prefer the Lansing area. Call James between 9am and 9pm, 708-460-8308 IN SEARCH OF OLDER COBRA CB RADIO BASE STATIONS & ACCESSORIES let me know what you have.

Dan 312-720-0844 US SOLDIER IS DESPERATE IN NEED of a 3 bed house, to rent or rent to buy. Currently paying $2000/mo at Hotel and $209 for storage. Have fixed income of $4000/mo Plus.

Call Algie 708.574.6367 SENIOR LOOKING TO RENT 2 OR 3 BEDROOM HOUSE WITH GARAGE. Have Sect. 8, also have 24hr caregiver. Looking in Lansing, Calumet City, South Holland, or Thornton ASAP. Call 708-200-8473. Ask for Carol WANTED: Electric chainsaws and as many chains as you have. Exterior Brown Paint.

219-801-0955 WANTED: Old Deagan or Musser big bar vibraphones.

Any Condition 219-801-0955

LOUBELLE’S KENNEL RECEPTION NEED FOR PT WORK, WEEKENDS POSSIBLE MUST LIKE DOGS AND CATS apply in person 16440 State St, South Holland, IL 60473

LICENSED HOME CHILDCARE IN INDIANA SEEKING FULL TIME AND PART TIME HELP. Day and night shift. Starting at 12.00 hour. 219 588 1763

For Sale FREE GOLDEN RETRIEVER PUPPIES TO FOREVER HOMES! 1 MALE,1 FEMALE. Excellent temperament! House trained with very good trainable natures & perfect for families with children and other pets!

Please email me first at: staceymcclelland8@gmail. com and Text (312) 9327651 TWO BURIAL PLOTS AT OAKLAND MEMORIAL LANE CEMETARY LOCATED AT 15200 LINCOLN AVENUE (MICHIGAN CITY ROAD) CHRISTUS GARDEN SECTION. $6,000.00 Can be Purchase Seperately + The Deed Transfer Cost $295.00 State Tax $25.00 Per Plot and Administration Fee of $75.00. The Final Cost of the Two Plots is $6,420.00. For One Plot $3,395.00. Call 708-378-2195 MORE GREAT DEALS! Mattresses: twin $88, full $98, queen $138. Bunk beds, futons, day beds $178. 5 pc dinette $179. Sofa LV $495.

4 pc. bdrm $495. Lamps, rugs & more. EZ credit $7,000, 90 days same as cash. or 12mo Installment plan. Free layaway.

708-371-3737 www. factorybeddingfurniture.com

Real Estate BEAUTIFUL 5 BED 3 BATHROOM ALL BRICK HOME 2.5 ATTACHED GARAGE AC deck and formal dining room, for rent Calumet City $2450 a first-month last month and move-in fee. available Nov 1st. Call 708-843-3932 FOR RENT: LANSING 2BDR apartment, 2nd floor, close to parks, shopping, expressway. Very quiet building great location! Heat and water incldued in rent.

For more info call/text John at 708-280-1773.

NEWLY RENOVATED 3 BED 1.5 BATH 1ST-FLOOR APARTMENT STAINLESS STEEL APPLIANCES $1600 a month all utilities except electric. Calumet City Stanley and Yats. 1 month security and $45 background check.

312-463-9604 FOR RENT WAREHOUSE FOR STORAGE 62.5 X 53 = 3,312 SQFT. 14 FOOT CEILINGS. INSULATED AND HEATED , Door 13’9” high X 23’ 4” Wide. In Crete

by Walts food store. $1,500.00 Call 708-672-7775 SMALLER TWO BEDROOM HOME. South Holland. $950 plus security.

Redone, appliances, large living room, quiet area, big deck with nature views.

Application fee. Outside parking. 708-268-7075 HARVEY 2 Bds 2nd floor, 1 bath, A/C, Appl included, 1 month rent, 1 month security, no pets. 708-362-7887, 708-527-4477 LARGE, NEWLY DECORATED 3 BEDROOM Apt, 2 baths in Calumet City.

Sec 8 welcomed. 219-2139556 SOUTH HOLLAND HOME. 1 ROOM FOR RENT, FEMALE SENIORS WELCOME. Utilities Included, Refrigerator and Microwave Included. No Section 8 or Smokers, or Pets.

708-566-1103 Call Linda.

Vehicles 2001 MERCEDES-BENZ ML 320 RUNS GOOD , ENGINE AND TRANSMISSION IN GOOD CONDITION. Little rust on the door panels. Asking price is $2,800 or best offer.

Misc.

Brother All-in-one (fax, scan, copy, and photo capture) like new $30; Small Kitchen Appliances (Juicers, Toasters, Rice Cooker, 5 Speed Mixer, Coffee Grinder, etc) from $5-$10; 2 Stadium Camping Chairs $5 each; Set of 2 White Resin Stacking Chairs $10 for a set; Yard Decor, $1-$5 each; Garden tools (rakes sheers etc) $3-$10 each; Flower Pots $1-$5 each; Assorted Sizes Sheppard Hooks and Trelisses $3-$10 each. 708-481-6907 Ethan Allen Wingback Chair - $70; 6 Feet long “Haywood-Wakefield” Bench $100; Occasional Squire 26” dark wood 2 tier table - $50.

708-481-6907 NEW Electric Coffee Pot On The Run w/2 Stainless Steel Travel Cups still in box $20.00NEW Samsonite Hardshell Luggage Brief Case $15.00708-474-9568 Like new Mickey and Minnie Mouse 708-545-4610 4 Firestone Winterforce 225/60 R17 Tires good condition for sale $250, (607)745-0649 Snow Blower Brand New, 21” 4.5 HP, Elec. Start, Never Used, new $500, sell for $250 OBO ; Snow Blower Large, 24” 5HP, 2 -stage, new wear bar and side shoes, $160 OBO; Toro Snow Blower, 21”, Elect. Start, new side shoes, two stage, $150 OBO; Generator, Coleman 5000 Watt 11HP $200 OBO; Craftsman 10” Compound Miter Saw $50 OBO; 1 Gal. Can Aero-kroil Penetrating Oil $20 OBO 708-418-0725 Field Coat for sale with liner.

Propper M65. Brand new.

2XL Army coat. Olive. $75 or best offer. 7089575198 Office Chair New--In Box--Modway EEI-757 $125.

Mathching Buffet Lamps --New $30 each. New DVD’s - Dallas--Complete Second Season---$3.00 New, not opened. Royal Pains Season 1,2 and 3-----$3.00 each New, not opened. Beleek China Plate--New in Box $20. 708-448-5672 G. Foreman Grill $25, Air Baloon Lamp, $20, Stackable Lawn Chairs $8 ea.

Butterball Turkey Frier, new $50; Travel Backgammon Gane, $20; Ceramic Christmas Houses $25 OBO. 708-877-60

FIND YOUR NEXT HOME IN THE SHOPPER

BBB Scam Alert: Social Media Gift Exchange is an Illegal Pyramid Scheme

By Rick Walz - President/CEO BBB Serving Northern Indiana A “Secret Santa” around the office or with friends and family can be fun. A gift exchange among online friends you haven’t met is a little different and carries a heftier consequence. While these gift exchanges look like innocent fun, they are pyramid schemes and illegal.

The “Secret Sister” gift exchange campaign quickly became popular several years ago through Facebook posts promising participants would receive up to 36 gifts in exchange for sending one gift. Each holiday season, the scheme pops back up. A newer version of this scam revolves around exchanging bottles of wine; another suggests purchasing $10 gifts online. You might see references to receiving “happy mail” or doing the exchange “for the good of the sisterhood.” During the 2023 holiday season, be aware of variations of this theme that may crop up on social media.

How the scam works: The scheme starts with a convincing invitation, either by email or social media, to sign up for a great, fun program. All you must do is provide your name and address and the personal information of a few additional friends and tack this information onto a list that’s already started of people you’ve never met on the internet. Next, it’s your turn to send an email or social media invitation to send a modest gift or bottle of wine to a

stranger along with their friends, family, and contacts.

A newer twist on the idea asks you to give your e-transfer email and ask users to pick a name off a list and send money to strangers to “pay it forward.” There was another new twist called “Secret Santa Dog,” where you are asked to buy a $10 gift for a “secret dog.”

In all of these versions, you give away your personal information, and you’re left with buying and shipping gifts or money to unknown individuals in hopes that the favor is reciprocated by receiving the promised number of gifts in return.

Unfortunately, it doesn’t happen. Like any other pyramid scheme, it relies on recruiting individuals to keep the scam afloat. Once people stop participating in the gift exchange, the gift supply also stops, leaving hundreds of disappointed people without their promised gifts or cash.

It should be noted that pyramid schemes are illegal in the US. The U.S. Postal Inspection Services explains that these gift exchanges are considered a form of gambling and that participants could be penalized for jail time, fines, or a lawsuit for mail fraud.

There is another layer of danger to participating in these schemes. When signing up, the alleged campaign organizer asks for personal information such as a mailing address or an email.

With just a few pieces of information, cyber thieves could expose you to future scams or commit identity theft.

The next time someone promises a bounty of gifts or cash by mail, email, or social media, BBB recommends the following: Ignore it! Keep in mind that pyramid schemes are international.

Chain letters involving money or valuable items and promising big returns are illegal. Stop and ask, is it worth breaking the law?

Report it instead to the U.S. Postal Inspection Services.

Report social media posts. If you receive an invitation to join a pyramid scheme on social media, report it to Facebook by clicking in the upper right-hand corner and selecting “report post” or “report photo.”

Never give your personal information to strangers. This will open you up to identity theft and other scams.

Be wary of false claims. Some pyramid schemes try to win your confidence by claiming they’re legal and endorsed by the government. These imposter schemes are false, as the government will never endorse illegal activity. No matter what they claim, pyramid schemes will not make you rich. You will receive little to no money back on your “investment” or gift exchange.

For more information and to learn how to protect yourself, Google “BBB 10 Steps to Avoid Scams”. If you spot a scam, whether you have lost money or not, report it to BBB’s Scam Tracker at BBB.org/ScamTracker and the FTC at ReportFraud.ftc. gov. Your story can help protect consumers from similar scams.

page 10

November 15, 2023

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OCHOA

Mario P. Ochoa, age 65, of Chicago, IL, passed away Monday, November 6, 2023.

Loving father of Christina (Arnoldo) Robledo. Cherished grandfather of Angelina Lara. Dear brother of Frank Jr. (Yolanda) Ochoa, Debbie (Rick) Chandler, and Augustine (Margaret) Ochoa. Uncle of several nieces and nephews.

Preceded in death by his parents Frank and Julia Ochoa.

Mario was a United States Air Force Veteran. He was loved by many and will be dearly missed.

Funeral Mass, Wednesday, November 15, 2023 at 10:00 a.m. directly at St. Maria Goretti Catholic Church 500 Northgate Dr. Dyer, IN. A visitation will be held prior to the service at church from 9:00 – 10:00 a.m.

Interment Abraham Lincoln National Cemetery – Elwood, IL. For further information, please contact 219-322-7300 or visit our online obituary and guestbook at www.SMITSFH. com

BENEDICT

Kenneth E. Benedict, age 61, of Lynwood, IL, passed away peacefully Saturday, November 11, 2023. Devoted father of Bradley (Jessica) Benedict, Daniel (fiancé Jamie Mikrut) Benedict, and Sarah (fiance Michael Sandoval) Benedict.

Loving son of Robert and the late Dolores Benedict.

Proud grandfather of Liam Benedict. Dear brother of Thomas (Debra) Benedict.

Former husband and good friend of Laura Benedict.

Kenneth was loved by all who knew him and will be dearly missed.

Arrangements pending at this time.

Arrangements entrusted to Smits Funeral Home, for further information please contact 219-322-7300 or visit our online obituary and guest book at www.

SMITSFH.com

BLOMMAERT

Albert E. “Albie” Blommaert, age 74, Saugatuck, MI, formerly of Chicago Heights, IL, passed away peacefully Friday, November 10, 2023. Loving dad of Brian Blommaert and Christie (Lance) Krout.

Loud and cherished grandpa of Mason Blommaert, Meri Reese (Abi) Najieullah, Andrew, Ryan, and Alana Krout. Dear brother of Cheryl, Jimmy, Ronnie, Cathy, Michael, Patty, David, and the late Christine.

Preceded in death by his parents Albert and Wanda Blommaert Sr. Albie was the founder and co-owner of Blommaert Bros. Masonry for 32 years. He was loved by all who knew him and will be dearly missed.

Visitation Saturday, November 18, 2023 from 3:00 – 8:00 p.m. with a funeral service to be held at 6:30 p.m. at Smits Funeral Home, 2121 Pleasant Springs Lane (Rt.30/Pleasant Springs Ln.), Dyer, IN. Memorial donations to the American Stroke Association (www.stroke.org) or the American Cancer Society (www.cancer.org) appreciated.

For further information, please contact 219-322-7300 or visit our online obituary and guest book at www.

SMITSFH.com

GARCIA

Otilia R. Garcia, nee Rodriguez, age 67, of Crete, IL, passed away on Tuesday, November 7, 2023. Beloved wife of Gerardo Garcia Sr. Loving mother of Rosalinda (Michael) Berger, the late Gerardo Garcia Jr., Nancy Garcia-Johnsen, and Melissa (Jessica) Debulski. Cherished grandmother of Jesse Garcia, Julian (Iszabella) Johnsen, Jacob Berger, Isabella Berger, Jaylin Johnsen, and Jace Johnsen; great-grandmother of Ezekiel Johnsen. Dear sister of the late Rebecca, Juan, Hilario,

Real Estate Specialists

Real Estate Questions & Answers CATHY & JIM HIGGINS Common Questions with Answers from various experts in the Real estate field: Will 2024 be a better time to buy a house?

Experts predict that there is no housing market crash looming in 2024. Lending standards are much more strict now than they were before the Great Recession, and with low inventory and high demand both continuing, the housing market is not likely to enter a recession in 2024.

Should I buy a house now or wait for recession?

While it’s true that recessions can create opportunities to purchase homes at potentially lower prices, it’s not guaranteed.

Waiting for a recession to buy a house may not be the best strategy as home prices could remain high regardless of a recession. Plus, no recession is predicted for 2024.

What will the 30-year mortgage rates be in 2024?

Fannie Mae projects 30-year fixed-rate mortgages will start 2024 at an average of 7.1% and fall to 6.7% by Q4 2024. In 2024, do not anticipate mortgage rates to drop significantly. This is not a widely accepted projection. Others predict interest rates to drop to around 6%. Again, they are predicting future outcomes.

What month do houses sell best?

Here’s how each month of the year ranked

for the best time to sell a house. The highestearning months are, in ranking order, May, June, July and April. These four months saw the largest purchase transactions.

How do you sell a house in a bad economy?

Make the Home as Attractive as Possible If you want to make sure your home is competitive on the market, make it as attractive as possible. By investing a little bit of money in repairs and upgrades, you might be able to attract high-quality buyers interested in paying what your home is worth.

Why is my house so hard to sell?

Your home may not be as attractive as the comparable homes you’re competing with in your area. You may not have enough photos, or enough quality photos, to attract interest in your home. Your home is overpriced based on what it offers potential buyers.

We think real estate is still a good, long term investment. As Mark Twain once said: “Buy land, they aren’t making it anymore.”

E-mail us your Real Estate questions at Cathyah@aol.com. Thinking of selling your home? Call Cathy & Jim Higgins, Licensed Broker/Realtors in Indiana & Illinois. IN: 219-865-4361 IL: 708-828-3304. McColly Real Estate. Website: www.Cathyhiggins. com. Personal Real Estate Journal: www.

Higginshousechat.blogspot.com

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late Rogelio, late Valentin, and Mario Rodriguez. Preceded in death by her parents Teodoro and Juana Rodriguez.

Visitation Saturday, November 11, 2023 from 9:00 a.m. until the time of the funeral service at 11:30 a.m. at Smits Funeral Home 2121 Pleasant Springs Lane, Dyer, IN. Interment Assumption Cemetery – Glenwood, IL. For further information, please contact 219-322-7300 or visit our online guestbook and obituary at www.SMITSFH.com Otilia R. García, de soltera Rodríguez, de 67 años, de Crete, IL, falleció el miércoles 7 de noviembre de 2023.

Amada esposa de Gerardo García Sr. Amada madre de Rosalinda (Michael) Berger, el fallecido Gerardo García Jr., Nancy García-Johnsen y Melissa (Jessica) Debulski.

Querida abuela de Jesse García, Julian (Iszabella) Johnsen, Jacob Berger, Isabella Berger, Jaylin Johnsen y Jace Johnsen; bisabuela de Ezekiel Johnsen.

Querida hermana de la fallecida Rebeca, Juan, Hilario, el difunto Rogelio, el difunto Valentín y Mario Rodríguez.

Le precedieron en la muerte sus padres Teodoro y Juana Rodríguez.

Velorio el sábado 11 de noviembre de 2023 desde las 9:00 a. m. hasta la hora del funeral a las 11:30 a. m. en Smits Funeral Home 2121 Pleasant Springs Lane, Dyer, IN. Cementerio de la Asunción de Entierro - Glenwood, IL. Para obtener más información, comuníquese al 219-322-7300 o visite nuestro libro de visitas y obituario en línea en www.

SMITSFH.com

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Reader Advisory: The National Trade Association we belong to has purchased the above classifieds. Determining the value of their service or product is advised by this publication. In order to avoid misunderstandings, some advertisers do not offer employment but rather supply the readers with manuals, directories and other materials designed to help their clients establish mail order selling and other businesses at home. Under NO circumstance should you send any money in advance or give the client your checking, license ID, or credit card numbers. Also beware of ads that claim to guarantee loans regardless of credit and note that if a credit repair company does business only over the phone it is illegal to request any money before delivering its service. All funds are based in US dollars. Toll free numbers may or may not reach Canada.

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Say I saw it in The Shopper

November 15, 2023

page 11

Y? WHY NOT!

WHAT CAN’T YOU LET GO?

by Janice R Newman So often it seems like we hit a brick wall as we work towards pursuing our goals and aspirations. The brick wall creates a barrier to prevent us from moving forward, reaching our goals, and improving ourselves. The barrier represents something you must let go of that has been holding you back. But what is that barrier? You must determine what has been holding you back from reaching your goals, so you can free yourself from it and move on.

You may be questioning yourself; what am I holding onto that I can’t let go?

In pursuing our goals, we often face invisible barriers that lie inside us that hinder our progress. These invisible barriers are not as obvious as concrete barriers that we can see, feel, and associate with such as a lack of money, a degree, or employment. The invisible barriers take deep soul-searching as they lie within us. These barriers take various forms – self-doubt, fear of failure, toxic relationships, or even insecurity. To let go you must identify the barrier that must be defeated.

This involves reflecting on recurring patterns or obstacles that you encounter while pursuing your goals and aspirations. What recurring specific themes, thoughts, fears, habits, and emotions consistently pop up to sabotage your efforts? You can sabotage your efforts with a limiting belief ingrained in your mind or the comfort of staying within your current circumstances. Honest introspection is the key to determining the barriers that you can’t let go.

Fears are our biggest detriment to success.

Fear of failure, success, or what others think of you are barriers we struggle with. If you’re afraid of what others will think of you if you fail or the increased responsibility of success, you will self-destruct and not reach your goals.

Limited beliefs create barriers that we need to liberate ourselves from. Limiting beliefs are the thoughts we hold about ourselves, others, and the world, which constrain our actions, and behaviors, and control our lives. They are self-defeating and negative by becoming a hindrance to our personal development. Pay

attention to recurring themes and become aware of negative thoughts and self-talk.

How often do you say the words “can’t” and “won’t”? Question the validity of those beliefs by asking yourself if the belief is based on facts or assumptions.

Challenge if holding on to the belief is helping or hindering your growth. If you’re holding on to the limiting belief that you must be naturally talented in a specific field to pursue the career, and you don’t possess that talent, then you may feel restricted from exploring or thriving in that field.

Reframe negative self-limiting thoughts with more positive empowering ones. Change those thoughts to “I can do this” and “I have the ability”. Always utilize affirmations to reinforce positive beliefs. Challenge all-ornothing thinking that comes along with beliefs by embracing a realistic perspective and acknowledging that mistakes and setbacks are part of the learning process.

Challenge your inner critic by showing self-compassion, kindness, and encouragement to yourself. We can be our harshest critics that build barriers. Seek objective constructive feedback from family, friends, and God about your beliefs and seek alternative viewpoints.

Finally, gain wisdom and understanding from God on what you can’t let go of, “For the Lord gives wisdom; from his mouth came knowledge and understanding.” Proverbs 2:6 (NIV). Seek divine guidance for discernment into your challenging beliefs that are preventing you from living God’s will for your life.

Remember identifying and challenging limiting beliefs are vital for personal development and achieving your goals. These beliefs are embedded in our subconscious mind and influence our thoughts, emotions, and behaviors. By recognizing and challenging these beliefs, you can let go of the barriers that are preventing forward movement to open yourself to new possibilities, higher selfesteem, and pursue your goals with purpose and greater confidence. Y? Why Not! https://www.facebook.com/ywhynotshow/

Financial Advice Column

Do your investments match your goals?

SUBMITTED BY PATRICK ZAMKIN As you go through life, you’ll have various financial goals — and to achieve them, you’ll need to invest. But just recognizing the need to invest is not as useful as matching specific types of accounts or investments with specific goals. How can you make these connections?

Let’s look at some common goals and how they could possibly be met with appropriate accounts and investments: • Saving for a down payment on a house – When you’re saving for a down payment, you want a certain amount of money available at a certain time — so, for this goal, you won’t want to take too much risk. Consequently, you might consider investing in certificates of deposit (CDs), which will pay you regular interest payments and return your principal when the CDs mature. CDs are issued in a range of maturities, from one month to 10 years. Other vehicles you might consider are money market accounts or other cash equivalents.

• Saving for a child’s education – If you have children, and you’d like to help them pay for some form of higher education, you may want to consider a 529 education savings plan. Any earnings growth in a 529 plan is federally tax free, provided the withdrawals are used for qualified education expenses, and you may also receive state tax benefits. A 529 plan can be used for college, approved trade school programs, student loan repayments and some K-12 costs. And if the child you’ve named as a beneficiary chooses not to continue their education, and doesn’t need the money in a 529 plan, you can generally switch beneficiaries to another immediate family member.

• Saving for retirement – This is the one

goal that will remain consistent throughout your working years — after all, you could spend two or even three decades in retirement, so you’ll need to accumulate as many financial resources as you can to pay for those years. Fortunately, you likely have access to several good retirement-savings vehicles. If you work for a business, you might have a 401(k) plan, which offers you the chance to put away money on a taxdeferred basis. (If you have a Roth option in your 401(k), your withdrawals can be tax free, although, unlike a traditional 401(k), your contributions won’t lower your taxable income.) If you work for a public school or a nonprofit organization, you may be able to participate in a 403(b) plan, which is quite similar to a 401(k), and the same is true if you work for a state or local government, where you might have a 457(b) plan. And even if you invest in any of these plans, you can probably also contribute to an IRA, which gives you another chance to invest on a tax-deferred basis (or tax-free basis, if you’re eligible for a Roth IRA). Try to take full advantage of whatever retirement plans are available to you.

Here’s one final point to keep in mind: While some investments and accounts are appropriate for certain goals, they may not necessarily be suitable for your individual situation — so keep all your options in mind and take the steps that are right for you.

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor, Patrick Zamkin, located at 18735 Dixie Hwy, Homewood, IL 60430.

Contact us at (708) 798-9066. Edward Jones. Member SIPC.

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page 12

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