The Shopper 12/15/21 by The Shopper

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Backyarding Trends in 2022: TurfMutt Foundation Predicts Americans Will Continue to Expand Outdoor Living “Backyarding” – the trend to move indoor activities outdoors that was made popular during the pandemic – is here to stay and will continue to expand in 2022, according to the TurfMutt Foundation, an environmental education and stewardship program that encourages outdoor living and caring for green spaces. “Backyarding is a way of life now,” says Kris Kiser, president and CEO of the TurfMutt Foundation and its parent organization the Outdoor Power Equipment Institute (OPEI). “Homeowners spent lots of time, money and effort over the last eighteen months improving their backyards to make them an extension of their homes so they could work, cook, exercise and even vacation outdoors. We believe people will continue to ‘backyard more’ in the coming year and beyond.” The TurfMutt Foundation predicts the following backyarding trends for 2022: Lines between the indoors and the outdoors will continue to blur. Doors and windows will be opened to the great outdoors and more people will enjoy breakfast or a nightcap on the deck. Decorating choices will marry the outside and the inside, with colors and tones that provide more visual connection between indoor areas and the backyard, for a seamless transition. Offices will turn to the outdoors. There will be no need to turn to technology to create a virtual backdrop for video calls. The natural setting created by the yard’s living landscape – trees, flowers, bushes and other plants – is the best video call background, bar none. Privacy screens, electrical outlets and wifi extenders could become more common backyard amenities. Balconies, porches, window boxes and patios will be maximized. Think tuning up the volume on these additional outdoor spaces and you’ve got the idea. Seating, flowers, potted plants, curtains and more make these areas sparkle as places for retreat and socialization. Kids (and adults) will spend more time outside learning. The backyard or park become an even bigger living laboratory for learning. Kids will likely take online classes or do homework under the shade of a tree, in an outdoor classroom at school, or at a patio or picnic table. They brush up on STEM concepts (see TurfMutt’s free lesson plans for help!) by planting and studying flowers, bugs, and weather. Gardens for vegetables educate families on where food comes from and nesting boxes or bat boxes for wildlife showcase the nature around them. Al fresco dining will become the norm. Grills, pizza ovens and overhead lighting with seating make many homes outdoor eateries for families and neighbors. Interest in outdoor kitchens, pergolas, shade sails and landscaping will define and enhance outdoor dining. Business deals get cooked up in backyards. While socializing around fire pits and watching the kids play soccer on the lawn,

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adults will have the informal conversations that used to happen in other venues. Games of croquet and cornhole could turn easily into business networking opportunities. The backyard will be the first place people turn to for relaxation and stress relief. Yoga, hammocks, reading nooks, calming water features and garden elements, and more add spalike features to the backyard. More people will plant with peace of mind at heart, adding colors that make them feel good, while aiming for sensory or emotional connections. Outdoor entertainment will evolve. Movie projectors with sound systems and outdoor screens turn the yard into a theater under the stars. Expect to see more fire pits, outdoor games and more that enhance outdoor recreation. Homeowners will plant with wildlife in mind. Knowing the backyard is a habitat for pollinators, insects, birds, and other wildlife, homeowners likely will choose plants, trees and shrubs that nurture and support wildlife – delighting in discovering them. Pampering pets will only increase. Fencing, sandpiles for digging, dog houses, and even agility courses for pets to enjoy are going to become more common. More people will discover their backyarding personality types – and design a yard that matches their outdoor lifestyles. They will map out their yards, take an inventory of tools and equipment available to create and maintain their dream, and then work hard to create a defined backyard that meets their needs over the coming year.

See what you’re going to owe: CC Treasurer Maria Pappas posts First Installment property tax bills on website Cook County Treasurer Maria Pappas has posted the First Installment Tax Year 2021 bills on cookcountytreasurer.com. The First Installment, which is 55 percent of the previous year’s total tax, is due March 1, 2022. By providing an early look at the bills, property owners can plan their finances or make payments before the end of the year. “During the holiday season, it’s good to think about what bills will come due in the new year,” Pappas said. “My office is committed to helping taxpayers keep their homes and seeing these bills early allows people to think ahead about their budgets.” You can download your tax bill and make a payment by visiting cookcountytreasurer.com and following these steps:

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Select the blue box labeled “Pay Online for Free” Enter your address or 14-digit Property Index Number (PIN) There is no fee if you pay from your bank account. The Treasurer’s Office accepts partial payments but First Installment taxes must be paid by March 1 to avoid a late charge of 1.5 percent per month, as mandated by Illinois law. You can also use cookcountytreasurer.com to: · Search $84 million in available refunds · Check if you are missing out on $34 million in property tax exemptions, which lower your tax bill · Read the Pappas Studies, a series of research projects that includes a 20-year history of Cook County property taxes.

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ESPECIALLY YOURS. 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. Adjustment for error is limited to republication. In any event, adjustment for errors or omissions is limited to the cost of the space occupied.

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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.

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NANCY ZEKVELD Christmas is next week! How can something that comes every year still manage to sneak up on you? It IS a wonderful time but let’s be real, it can also be hard. It is a time when you are feeling family pressures and expectations. There are gifts to be bought, special meals and parties. Special church services, family gift exchanges, work gifts, teacher gifts, secret Santa gifts to exchange at school or with friends, outfits for photos or special dinners or outings and so much more. It may also be a difficult time as you miss loved ones more on special occasions. These are all things that make this time of the year special but they can also be what overwhelm us. Not only do they take a lot of time and planning but can cost SO much!! At this point it’s a little late to start thinking of how to do things differently, but as I said, this comes around every year so you get another shot at it and you don’t have to wait all year. In fact, starting in January is the best time to set some plans for next year. In the CAP Money course we teach how budgeting is like a puzzle. Your income is the outside edge and the rest of the pieces have to fit inside. So this is the place to start. Determine what money you have available each month after the essentials are covered.

Set this amount aside every month so you are prepared before Christmas instead of trying to catch up after Christmas. It can be tough to stick to but you will be happy you did when the bills are paid and you do not fear your January credit card bills. Christmas Preparations. You don’t want Christmas to be a time of panic and dread. You should enjoy giving gifts to those you love. You need to be able to focus on the birth of Jesus, the hope of the world, who brings peace to your weary soul. Jesus tells us “Come to me all who are weary and heavy laden and I will give you rest. Take my yoke upon you and learn from me for I am gentle and humble in heart and you will find rest for your souls.” Matthew 11:28,29. Start next year with a CAP Money course. It’s a free, three session course beginning January 19, 2022. Call Nancy at 708 527 4844 for more information. Have a Blessed Christmas. Nancy is the South Suburbs CAP Debt Center manager in partnership with Covenant Fellowship Church in South Holland. For more information about Christians Against Poverty go to capamerica.org or call our toll free number at 888.777.4620

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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 CAL AARDSMA PASTOR SHAUN BUIKEMA WORSHIP SERVICES Worship Services ........................... 9:30 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.

COTTAGE GROVE CHRISTIAN REFORMED CHURCH

16556 Cottage Grove Avenue, South Holland 708-331-0391 www.cottagegrovechurch.com. PASTOR CARY GEPHART WORSHIP SERVICES Sunday Worship .......... 9:30 a.m. & 5:30 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.

VERSE OF THE WEEK

Therefore the Lord himself will give you a sign: The virgin will conceive and give birth to a son, and will call him Immanuel.

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.

JESUS LIGHTHOUSE OF LOVE INTERNATIONAL MINISTRIES

19058 Burnham Ave, Lansing, IL 312-206-1833 facebook.com/JLOLMinistries PASTOR EL CID ZOLLICOFFER PASTOR SHONNI ZOLLICOFFER WORSHIP SERVICES Sunday Worship........................... 11:00 a.m. Weds. Service on Facebook.. 7:30 p.m. Women’s Group via Zoom - 3rd Sat. 12 p.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. ..

— Isaiah 7:14

Attend the church of your choice.

Heart Smart RICHARD ZEKVELD When you read the Bible, watch for the words “that” or “so that”. Those words, and the words that follow, often communicate purpose. They tell us why God has does something. In Luke 1:67-80, God opens the mouth of John the Baptist’s father to prophesy about Jesus’ coming. He sings, “Blessed be the Lord God of Israel, for he has visited and redeemed his people and has raised up a horn of salvation for us in the house of his servant David…” (Luke 1:68-69, ESV. He is singing about Jesus. A few verses later, Zechariah tells us why God sent Jesus two thousand years ago: “that we, being delivered from the hand of our enemies, might serve him without fear, in holiness and righteousness before him all our days” (Luke 1:74-75, ESV). Chew on these words! They tell us why God sent Jesus to earth for us. He did so to deliver us “from the hand of our enemies,” including Satan and our own sin. But that’s not the main thought of these verses. God sent Jesus to forgive and deliver us “that we… might serve him without fear.” We are talking about love-driven, joy-filled, deeply fulfilling service to God and others, unhindered by fear or anything else inside of us or outside of us. What a thought! Jesus delivers us to serve God “in holiness and righteousness before him all our days.” Sometimes the biggest barriers to love-driven, joy-filled service to God and others are inside us. Our fears, hang-ups, resentments, selfabsorption, sluggishness and selfish desires bog us down and cripple us from loving and serving as we wish. May this passage encourage you. As you look to Jesus for grace and growth, know that he will fulfill his purposes for you. Richard Zekveld Pastor, Covenant Fellowship Church cfcsh.org

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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.

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.

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December 15, 2021

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LIBRARY HAPPENINGS

Calumet City Public Library

Address: 660 S Manistee Ave, Calumet City, IL 60409 Phone: (708) 862-6220 Email: info@calumetcitypl.org Website: http://www.calumetcitypl.org/index.html

Dolton Public Library

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

Senior Network Sweepstakes Are you a Dolton Senior over the age of 60+ Enter a Sweepstakes for a free Surface Pro. Register for or next Seniors Network Program for more details. Wednesdays from (4pm – 5pm) for more information via Zoom. To register call (708-849-2385, #3) or email to lincoln@doltonpubliclibrary.org and leave your full name, phone number and email. FREE. Virtual Story Time with Mrs. Brooks Come and join in the story time with Mrs. Brooks. For ages 3 - 12. FREE. Every 1st Wed. (10am – 10:30am) To register for the Virtual Story Time go through the calendar of events on our website at www.doltonpubliclibrary.org BINGO Dolton Public Library presents Virtual Bingo every 2nd and 4th Thursday at 11am. Please call 708-849-2385 or email us at lincoln@doltonpubliclibrary.org and leave your full name, email, and phone number to register. FREE. 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 and phone number to register. (5pm – 6pm every Friday). FREE. AMONG US. Every 2nd and 4th Tuesday (5pm to 5:30pm) Ages 6-12 years. To register go to the calendar of events on our website www.doltonpubliclibrary.org OR email us at lincoln@doltonpubliclibrary.org Leave your name, email and cell number. You must download “Among Us’ on your device to play. It is free. A Zoom link and game code will be sent the day of the program. FREE Virtual Line Dancing with “Dawn the Dancin’ Deeva” Every Thursday, at 6pm. Please call 708-8492385 or email lincoln@doltonpubliclibrary. org and leave your full name, email and phone number to register. A link will be sent to you the day of the program. 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 leave your full name, email and phone number to register. FREE. Senior Bridge Club Come out for the fun every Tuesday, from 4pm to 5pm If interested register by calling 708-8492385 or email at lincoln@doltonpubliclibrary. org and leave your full name, email and cell phone to register. FREE.

DPLD’s 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. Meet via Zoom. FREE.

Saturday Cooking with Chef Jazzy John Every other Saturday, learn how to cook some appetizing meals (2pm – 3pm). 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 hr. before the program. FREE.

Walk: To Keep Fit & Healthy with Dee McKeith. Held every Sunday via Zoom. (11:30am – 12:15pm CST) Walk with others with the assistance of technology, but by yourself to keep safe. To register send your name, email and cell number to lincoln@doltonpubliclibrary.org or call (708-849-2385) to leave the same information. A Zoom link will be sent to you after registration. FREE. Passport to Knowledge. Pack your bags for a virtual trip around the world. Every first Monday of each month from 3:30pm to 4pm. To register leave your name, email and cell number by calling (708-8492385) or email this information to lincoln@ doltonpubliclibrary.org. The link for Zoom will be emailed. FREE. Virtual Workout Program with Sheena Stinson Get in Shape from Home Classes held every from 6pm to 6:30pm. Please call 708-8492385 or email us at lincoln@doltonpubliclibrary.org leaving your full name, email address and cell number to register. A Zoom Link will be sent day of the program. FREE. Get Up & Move with Simon Says! Join the Dolton Public Library Youth Services Dept. as we play “Simon Says”. Held every 1st Tuesday of the month from 10:00am to 10:30am. A YouTube link will be emailed every 1st Monday. Register by calling (708849-2385, ext. 4) or emailing at lincoln@ doltonpubliclibrary.org leaving your name, email, cell number and the number of children participating. FREE Dolton Public Library District New Curbside Times Monday through Friday [9am to 2pm]. Leaving Lightly Presented by Janet Kraft, Wednesday, December 15, 2021 – (2pm to 3pm). Getting your affair\s in order so all you leave behind is love. To register, call (708-849-2385, ext. 3 or email lincoln@doltonpubliclibrary.org leaving your full name, email and cell #. Program Zoom Link will be emailed the day of the program. FREE. Reading Challenge to children pre-K to 8 th grade to read 15 books by January 2022 report on them and earn a (Free) personal size pizza from Beggars Pizza. Contact the Youth Services Dept. for more information at (708-849-2385, ext. 4). Leave a message andphone number if you do not reach a live person and we will call you back. FREE. Homework Help Chat with us on Saturdays from 1:00-3:30 at www.doltonpubliclibrary.org or on the phone (708) 849-2385 ext 4. Sessions are limited to 15 mintutes each. Trivia for Treats Beginning now, through December the DPLD Youth Services Dept. is offering children age 3 to 17 years. A free cold treat from Wendy’s in South Holland, IL for answering (5) trivia questions. Children under 14 must be accompanied by parents. Make your visit on Fridays or Saturdays to our YS dept. while supplies last. FREE.

Free Classical Concert Experience a Free Classical Concert with the Illinois Philharmonic Orchestra. Use your library card to check out a free concert. Details given @ your library. FREE.

Burbio 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. Winter Exploration Day Thursday December 30 11:00a.m. - 2:00p.m. at Beaubien Woods Flatfoot Lake. Get out and enjoy winter in the preserves. This is a great opportunity for the whole family to enjoy snowshoeing, (weather permitting) nature hikes. art making, campfires and more! Happy Holidays With the upcoming Holidays soon here with us, everyone here at Dolton Public Library District are here to wish everyone and yours a very Happy & Safe Upcoming Holidays and a wonderful upcoming New Year!

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

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

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) FREE online Line Dancing with Dawn the Diva, Tuesdays at 6:30pm

Lansing Public Library Address: 2750 Indiana Ave., Lansing IL Phone: 708-474-2447 Email: shari@lansingpl.org Website: www.lansingpl.org

Library Closed Days The library is closed Friday December 3, December 24 & December 25. Special hours on December 31, 9:00 a.m. - 1:00 p.m. The library is also closed January 1, 2022 Lansing Library Live Trivia! Thursdays at 6:00 p.m. on December 2, 9, 16, 23 & 30 Topics and questions will vary weekly. Visit https://www.facebook.com/LansingPublicLibary to participate. Ages 18 and up.

Teacher Cocktail Hour Friday December 17 from 7:00 p.m. - 8:00 p.m. Location is Pour on Roy and registration is required. Monday Morning Movie: Charade December 20, 2021 at 10:00 a.m. This is for anyone 18 years of age and older. Lansing Garden Club Tuesdays December 21 from 6:30 p.m. - 8:00 p.m. Murder and Mayhem Book Discussion: The Word is Murder Monday December 27 at 10:00 a.m. This discussion is in person and is open to those 18 years of age and older. The group will meet in the Brick Room. Books can be picked up at the Circulation Desk. Interesting Tales Behind Christmas Traditions Tuesday December 21 at 6:30 p.m. This is a Facebook Live event. Visit https://www.facebook.com/LansingPublicLibary to participate. Ages 18 and up.

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. Information Desk at 708-527-3160.

Seniors Connecting: Chair Yoga with Margaret Johnson Tuesdays, December 14 & 28, 10:30 a.m. North Meeting Room This program is created for seniors, but all are welcome. Meet in the North meeting room to unwind with low-key chair yoga. This program will also be shown virtually using Zoom. Please register for both in-person and virtual attendance. Seniors Connecting: Homebody Workouts with Patrice Ware Fridays December 17 Registration Required. Patrice Ware will help get your heart to beat a little faster as she leads both aerobic and balance exercises. Each session is recorded and sent to participants to watch at their convenience. Recordings will also be uploaded to our YouTube page and posted on Facebook. Technology for Seniors Thanks to an Age Options Grant, SmartBooks are available for seniors (55+). You must have a valid library card to check out a device. We will be offering quick tutorials and 1-on-1s to help interested seniors learn the wonders of computer technology. Please visit or call the Information Desk (708-527-3160) for more information. The Cookie Workshop Thursday, December 9, 6:00 p.m. North Meeting Room Registration Required. Join us for our 1st Cookie Workshop! Children, teens, and families are invited to decorate their own cookies. All supplies are provided. Children five years of age and younger will need adult assistance. Please let us know of any food allergies upon registration.

Tech Corner: Beating Boredom on a Budget Tuesday December 14, 2021 6:30 p.m. - 7:30 p.m. This is a Facebook Live event and can be viewed at https://www.facebook.com/LansingPublicLibrary/

Winter Wonderland Pals Thursday, December 16, 6:30 p.m. North Meeting Room Registration Required. Bring in the holidays with stories, music, and your very own build-a-furry fluffy friend experience. We will provide all the supplies while you create the fun, while supplies last. Children five years of age and younger will need adult assistance.

Adult Outreach Activity Bag: This project is limited to those 18 years of age and older. Bags will be ready for pickup December 1.

Thornton Public Library

Address: 115 E. Margaret St. Thornton, IL. Email: library@thorntonil.us Website: https://www.thorntonlibrary.org/

Email your library events to general@myshopper.biz

Say I saw it in The Shopper

December 15, 2021

Where can you pick up your copy? The Shopper is delivered to these locations by Tuesday at 5 PM.

Dolton Dolton Library • 14037 Lincoln Ave.

Dyer

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Neighbor 2 Neighbor JANICE MINTON-KUTZ

DR JOSEPH BUOSCIO AT WORK IN HIS MUNSTER OFFICE: As per our custom of passing along helpful information to our N 2 N readers, here is one such offering-- Dr Joe Buoscio, with offices on Ridge Road in Munster is the perfect combination of skillful practitioner and soothing demeanor. Doctor Joe and his wife Attorney Roberta Ciao Buoscio have 3 sons, Joe, Jr, 30, Alex, 28, and Mark, 25. Dr. Joe’s office secretary is Maria Ciao and she knows each of us by name and background. Tension reliever is the television screen in the waiting room and overhead as we are treated and is tuned in to a cooking show! Understanding dental fears, Dr. Joe is the perfect antidote. His dentistry doesn’t hurt! www.drjoedds.com ***

SSEVV HOSTS ANNUAL CHRISTMAS PARTY AT STEVE’S: The iconic and fabled Hegewisch Restaurant and Lounge was the setting for the annual Southeast Side Viet Nam Veteran’s holiday party Saturday December 11, 2021. Pictured here are some of the guests which include 10th Ward Alderman Sue Garza in the middle surrounded by from left Tressa, Trudy, Pauly and Sammy. Over 100 veterans and their guests arrived to hear SSEVV President Larry Kutz outline some the group’s accomplishment’s over the more than 50 years of their existence. CoFounder Tim Jakubowski was supposed to give the keynote address but was unable to attend. The group meets on the first Monday of every month year round. ***

Griffith Family Express • 1208 E. 45th Ave.

Harvey Village Hall • 15320 Broadway Ave. Harvey Public Library • 15441 Turlington Ave.

HaMMOND Hessville Overstock • 7107 Kennedy Ave.

Highland Family Express • 8910 Indianapolis Blvd. Lincoln Center • 2450 Lincoln St. Sophia’s House of Pancakes • 9344 Indianapolis Blvd. Strack & VanTil • 9632 Cline Ave.

MAKING A POINT AT THE DECEMBER MEETING OF SSVV-PETE MARINOPOLOUS: The longtime member of the Southeast Side Viet Nam Veterans (SSVV) Pete is joining in the conversation of how best to keep the Soldier’s Wall in South Chicago, 92nd and Brandon preserved and preferably enhanced. The wall will be 52 years next spring and a gala celebration is planned. The group meets on the first Monday of each month and is engaged in a variety of special events that honor and celebrate both living and deceased veterans. Seated next to Pete of Munster, is Jesse Gomez of Lansing. ***

GAUDETE SUNDAY AS EXPLAINED BY FR. DAVE SIMONETTI: The third Sunday of Advent at Christ Our Light/St. Florian Church in Hegewisch, featuring Father’s vestments of pink and rose symbolize our preparation for Christmas. Fr. also explained the two readings today in language we could all understand, In between the scriptures he sprinkled in some humor (the Yugo car in 1984, the Viet Nam song “It Ain’t Me,”) and the story of the revered OLG painting of the image of Mary in 1531 as an Aztec princess on the cloak of Juan Diego which took on miracle qualities. Every Sunday is a learning experience at COL! Thank You Fr. Dave. ***

Lansing Village Hall • 3141 Ridge Rd. Joe LaBella State Farm • 3436 Ridge Rd.

Munster Strack & VanTil • 12 Ridge Rd.

South Holland Villa at South Holland • 16300 Wausau Ave. Holland Home • 16300 Louis Ave. Jewel • 763 E. 162nd St. The Shopper • 924 E. 162nd St. Walt’s • 16145 State St. South Holland Community Center • 501 E. 170th St. Thornton Township Hall • 333 E 162nd St, Prairie Oasis Nursing Home • 16000 Wabash Ave. South Holland Library • 16250 Wausau Ave. The Submarine Port • 617 E 162nd St Village of South Holland • 16226 Wausau Av.

Schererville Strack & VanTil • 1515 US-41

Thornton Village of Thornton • 115 E. Margaret St.

visit myshopper.biz for more information

SIGNS OF THE SEASON--LIFESIZE STATUES OF THE CHRISTMAS SCENE: The statues are located on the east side of St. Margaret of Scotland Church, 9830 S. Vincennes, Chicago, Il Located in the Beverly neighborhood, the statues look almost real and have been displayed at the church for many years. Just eleven days to Christmas from Wednesday December 15, 2021! May peace and kindness’ prevail! ***

VETERAN RODNEY CLINE CREATES LIVE CHRISTMAS DECOR: Located at the corner of Kennedy and 42nd Street in Highland, this Veteran has been creating beautiful wreathes and holiday displays for many years now. He is pictured here with some of his newest festive fare. Do drop by and take a look! ***

SSEVV PRESIDENT LARRY KUTZ THANKS VETERAN’S AND GUESTS DURING ANNUAL CHRISTMAS PARTY: The sold-out crowd at Steve’s Saturday December 11, 2021 proved that the veteran’s stick together year after year, noted SSEVV President Larry Kutz. Over 110 veterans and their guests were at the event which featured a DJ, Sammy, thanks to the Shed’s Trish Bielic and a Christmas sing along by Mark Tamvakas, George Tamvakas’ very talented son. The large poinsettia’s were gifts to guests from the SSEVV and the cake and cookies from Calumet Bakery’s Kerry Moore, likewise. This is dedicated to Rene F. Nawodylo. From the SSEVV to all of us “A VERY MERRY CHRISTMAS AND A HAPPY AND HEALTHY NEWYEAR!” ***

SANTA CORNER AT AMERICA’S ANTIQUE MALL IN HIGHLAND

For inclusion in Neighbor 2 Neighbor, please call Janice at 708-302-8585 or write to her C/O Coldwell Banker, 20 E. US 30, Schererville, IN 46375, or e-mail her at janice. mintonkutz@cbexchange.com

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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 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 MOVING SERVICES: Pick up/Delivery Service. Small move; single item; classified ad stuff. Assembly: Furniture & exercise equipment (Ikea, Office Depot, etc.) Call Rob daily until 9pm 219-433-9457 PAINTING SERVICES: Economy Painting. Interior/ Exterior painting 20% Off. Mention this ad. Walpaper instllation. General dywall repair & installation. Best price guaranteed. Ask for Ed. 708-548-6356 or 708-2885038. 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 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 GUTTER CLEANING: SUPER FLOW Gutter cleaning, Free estimates. Very reasonable. Asl 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 JUNK REMOVAL: Cleanouts [trashout]. House (attic, garage); apt, business, shed. Haul away to donate/ recycle/dump: appliances, furniture, scrap. Call ’til 8pm 219-433-9457 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.

December 15, 2021

Say I saw it in The Shopper

Submit your classified ad online at myshopper.biz or email general@myshopper.biz CAR / TRUCK TROUBLE? Vehicle-shopping? Onlocation diagnosis: Will find needed repairs / maintenance. Uncertain of mechanic estimate? 32 years exper. Any day! 219-433-9457 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 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 MACKALAY PLUMBING. Plumbing done right. GUARANTEED. Installs and repairs. Licensed Bonded and Insured. 30yrs experience. Upfront pricing. 708-677-2957

Wanted LOOKING FOR CHILDREN FACE MASKS for 20 preschool children 708-990-8002 SEEKING TO RENT senior with section 8 house - singlefamily home 708-501-1388 WANTED: DON’T THROW IT AWAY! I am buying old stuff. Toys, signs, advertising, oil cans, and much more. Please call or text Doug. 219-616-9342 WANTED: Large Window Screens. 219-801-0955 WANTED: Chain Saws Electric with Long Blades & Many Extra Chains as I can get. 219-801-0955 WANTED: As Many Large Giant Containers of Brown Outdoor Weatherproof Paint. 219-801-0955 WANTED: Tall Scaffolds to Reach High Apartment Buildings, 70 ft High - 219801-0955 WANTED: Old Deagan or Musser big bar vibraphones. 219-801-0955 WANTED: Old electric guitars and guitar tube amplifiers. 219-801-0955 WANTED: As many good circle saw blades as you have. 219-801-0955

For Sale CORDLESS PHONE - New, Never used Vtech - Latest in Cordless Phone Techlology, w/ Called ID, Call Waiting Duplex Technology. 1-708333-5296 REFRIGERATOR. 4.4 Cubic Ft. New, Never Used - Call 1-708-333-5296 GENTLY USED SIDE BY SIDE FRIDGE, 68 inches tall 30 wide ice maker and water in door GE 2 years old $1200 cash only pick up 815-2605357

MOBILITY CHAIR/ SCOOTER - new heavy-duty $1,000 - 708-501-1388 SOLID OAK TABLE AND BUFFET six chairs included, cost $475.00 for both. Cash and carry. Please call leave message (312) 730-0749 Queen Size Mattress - $100 Twin Size Mattress - $75 Both used 1 week for out of town guests (708)668-8305 (text preferred)

HOUSE KEEPERS part time and full time and experience maintainance man needed Starlight Motel. Lisa 708-331-4712

LARGE, NEWLY DECORATED 3 BEDROOM Apt, 2 baths in Calumet City. Sec 8 welcomed. 219-2139556

LICENSED CHILDCARE HAMMOND INDIANA license childcare home looking for Day, evening and overnight helpers. Pay is 9. Must qualify. 219-588-1763

APARTMENT FOR RENT CALUMET CITY 2 bedroom Newly Decorated $905/mo 1 month Security Deposit 708-288-1357

AFFORDABLE TRANSPORTATION is looking for drivers. Call Henry 708-596-5410

LOVELY QUEEN SIZE SLEEPER SOFA excellent condition burgundy and gold all linen included $200 or best offer swivel rocker chair green and white $70 708-915-9131

ASAP LOOKING FOR EXPERIENCED TRUCK DRIVERS. Must have 3-5 years driving experience. Need drivers to run local and over the road. 708-596-5710 DOT compliant PT

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 $3,000, 90 days same as cash. Free layaway. 708-371-3737 www.factorybeddingfurniture. com

SALES OPPORTUNITY Earn Income Helping Others - Flexible Schedule - Work From Home - Potential to Earn Bonus - Training Provided Contact: J. Taylor 708-935-6920

ALL TYPES OF DRYERS: Kenmore, Whirlpool, Amana, etc., gas and electric. $100 - $150ea. Snowblowers starting at $100. Stabilizer knee walker/scooter, $100. 708-715-2348

Help Wanted LOOKING FOR EXPERIENCED TRUCK DRIVERS ASAP! Must have 3-5 years driving experience. Need drivers to run local and over the road. 708-596-5710 DOT compliant PT SERVICE TECHNICIAN Reports to: Service Manager. Work Hours: Monday thru Friday, with rotating on-call for evenings and weekends. Pay Scale: Based on Experience. Position Summary: This position is primarily responsible for performing annual maintenance on residential heating and cooling units, and recommending necessary preventative repairs to the homeowner. Job Duties Responsibilities: • Troubleshoot, diagnose and repair heating and cooling units • Perform maintenance on heating and cooling equipment • Analyze system for safety and efficiency • Communicate with customers regarding options and costs, obtaining approval for repairs/replacements • Document services, explaining guarantees/ warranties, collecting payment, and delivering payment to the office • Promote service agreements Qualifications: • Minimum of 3 years HVAC service experience • Work with industry-related tools, materials and supplies including ductwork • Ability to regularly move, lift, and carry objects weighing up to 50 pounds • Ability to climb extension ladders to access roof-top units • Detail oriented and customer service focused • Strong listening and communication skills • NATE Certification a plus • Valid Driver’s License and good driving record • Willingness and ability to work evenings and weekends. Send resume doctorair@ sbcglobal.net CASH DAILY PART TIME: GENERAL LABORER. Hammond / South Holland area. Transportation provided. Inside working conditions with one other person. Call 8-10 a.m. 708-799-2363

GLENWOOD AND CRESTWOOD ADULT DAY CARE has positions available for Drivers and Program Aids. Qualified applicants must have HS diploma or equivalent. For driving, CDL is not required. Please call Jackie @ 708-755-2345 WANTED: Person to assist with gardening. 708-8494690 LG CUSTOM HOMES INC. Hiring for on Experienced Trim Carpenter. With Good Pay. All work is in North West In. Please Call Office 219-322-4154 Cell 708-654-8668

Real Estate APT FOR RENT LANSING: 1 Bed 1 Bath 3312 Ridge Rd Lansing IL 2nd floor Available now $1100 a month. Tenant pays electric. No Pets 708-872-0527 APT FOR RENT: LANSING 2 BEDROOM 1 BATHROOM, 2nd floor. Seniors welcome. Included free heat. Gas Appls A/C Private parking 1.5-month security deposit $1050 a month Available Now! 17707 Commercial Ave Call Kevin 708-288-8640 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

Garage Sales CHRIST OUR SAVIOR PARISH(LOBBY)880 E 154TH STSOUTH HOLLAND, IL Sat. December 18th 10Am-4Pm Sun. December 19th 1Pm-3Pm Gently Used Christmas Items For Sale(Proceeds To Benefit Our Religious Education Program)

Misc. The Shopper runs free, non-business classified ads, which run as space is available. Email General@ MyShopper.biz Card Table $15; Banquet Table 18 X 48 $20; Folding like new miter saw 8 1/4” New extra blade included $25 Holiday tables 708-4749568 Nonstick Turkey Roaster w/ removable rack 40x30.5x9.6 NEW $10.00 Turkey Platter w/cuttin board NEW $15.00 NEW Coffee on the Run 2 cups brewed simultaeous JCPHome $20.00 - 708-4749568 4 sets Xmas heavy duty clear icile lights, new&used w/ lots of hooks, 5 candle lights& 6 sets 100 mini lights. 708-4749495 “Rock Santa” Dances to Holly Jolly Christmas”, New, boxed, Operates on A/C Adapter $45; Holly Days Xmas 16 Pc Service for 4, Dated 1985, New Boxed. $85 708-460-8308 NESCO Food Dehydrator & Jerkey Maker - contains 4 Trays New Boxed $30; Hamilton Beach Blendmaster, Lite Wt. Plastic 5.5 Cup Container, New BOxed $20; 6 pc. Set: 3 Pillar Candles with 3 Iron Pedistals, Dated 1999, New Boxed $10 708-460-8308 Non-stick Roast Pan with V-rack Steel Bakeware, Top Quality, New, boxed, $20; 4 pc. Antique Crystal 4oz Parfait Set USA, New Boxed, $10; 4 pc. Antique Crystal 4oz Sundae Set USA, New Boxed, $10. 708-460-8308

2 Beautiful Green Glass Tealight Holders, New, $10 ea; Glass Fish Bowl, $5, 4 Green/Clear Stem Wine Glassses, Boxed, $12; Xmas Coke Glasses Circa 1970’s, $5 ea; 20 Pc. Dinnerware Set, Made in France, Have 2 Complete Sets, $10 Ea set, Boxed. 708-460-8308. 3 Pk. 13 Watts CFL Light Bulbs, 60w Output, $8; 4 Pk. AA Solar Rechargable Batteries, $5; 4 pk Rayovac Alkaline “D” Batteries, $5; Halogen Portable Lamp, Never Used, 500w, $20. 708-460-8308 Snow Shield, Keeps Ice/Snow Off w/ Shield, $6; New Xmas Tree Stand, 20in Wide 5 in Opening, $15; 5 Pink Non-break Tree Ornaments, Boxed USA, $5; Ice Blast Windshield De-Icer, 32oz, $4 708-460-8308 TYCO HO Electric Train Set, Steam Loco with 5 Cars, Ready to Roll, $125 Musical Santa Car, Plays 3 Xmas Songs, From M. Fields, New-Boxed, $25, New Alum. Snow Scoop Shovel, $25. 708-460-8308 Snow Shovel Alum. Blade, Used, $10; Snow Shovel, Plastic Blade, New Wear Strip, $12; Black Waste Can Cylinder, New $5; Animal Trap Clean, No rust, 25”w x 8”d x 7”h, $25; 1000 Pc. Puzzle by M.B. Shows 1950’s Cars, new, $15 708-4608308 Hallmark 2001 Ornament - 1953 Buick skylark, New-boxed, $50; 6 Large 15oz Soy and Regular Candles, $18 ea; Little Wizard Kerosene Lantern, Red Glass, $65; Barbie Doll Dressed in her Racing Uniform, Presine Condition, boxed, $29. 708-460-8308 Canvas Drop Cloth 9’ x 12’ Double Stitch, $20; Broan 30in Over-range Hood with Fan, Light, Was $35, $25; 12 in Yellow Hacksaw, new, $5; 3 in Ratcheting Clamp, New, $5. 708-460-8308 Wanted, Still Need a Garage to store my Dodge car over winter. Any Leads are appreciated. Call James. 708-460-8308 Men’s Shirts from Roger Penske Scottsdale, AZ store; Ferrari Red polo, XL and Aston Martin, Silver Color Polo, XL, All New $35 ea; Chicago Bears XL Winter Jacket, Nice, Used, $30 708-460-8308 Used Tires 4 275/60 R/20 Copper Discover RTX Very Good Shapealot Of Miles Left $160.00 For All Will Not Seperate Tires Only No Rims Brian 312-799-0333

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Say I saw it in The Shopper

December 15, 2021

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CATHY & JIM HIGGINS Question: My wife and I are selling our home and now my wife has changed her mind about moving. We have a signed sales contract, with earnest money, between us and the buyer. Is there any way to back out of the sale? Answer: To start, sales agreements can fall through due to reasons of financing, condition, title, etc, so the deal could still fall through. However, if the buyer has a valid purchase agreement accepted by both you and your wife, and it sounds like they do, then you are expected to work in good faith to fulfill your end of the agreement. It may be that the buyer would accept a cash buyout to discontinue the purchase. However, you need to consider that the Brokers involved have found a ready, willing

*$100 ADT Visa Reward Card: Requires 36-month monitoring contract starting at $28.99/mo. (24-month monitoring contract in California, total fees from $695.76), and enrollment in ADT EasyPay. Requires minimum purchase price of $449. One (1) Visa Reward Card valued at $100 is redeemable seven (7) days after system is installed, wherein an email is sent to the customer’s email address associated with their account with a promo code. The customer must validate the promo code on the website provided in the email and a physical card will be sent in the mail. Installation must occur within 60 days of offer expiration date to receive card. Applicable to new and resale sale types only. Card is issued by MetaBank®, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. No cash access or recurring payments. Can be used everywhere Visa debit cards are accepted. Card valid for up to 6 months; unused funds will forfeit after the valid thru date. Card terms and conditions apply. General: Additional charges may apply in areas that require guard response service for municipal alarm verification. System remains property of ADT. Local permit fees may be required. Prices and offers subject to change and may vary by market. Additional taxes and fees may apply. Satisfactory credit required. A security deposit may be required. Simulated screen images and photos are for illustrative purposes only. ©2021 ADT LLC dba ADT Security Services. All rights reserved. ADT, the ADT logo, 800.ADT.ASAP and the product/service names listed in this document are marks and/or registered marks. Unauthorized use is strictly prohibited. Third-party marks are the property of their respective owners. License information available at www.ADT.com/legal or by calling 800.ADT.ASAP. Licenses: AL 233, 234, 458, 506, 1519, CA ACO7155, 974443, PPO120288; FL EF0001121; LA F1639, F1640, F1643, F1654; MA 172C; NC Licensed by the Alarm Systems Licensing Board of the State of North Carolina; 2736-CSA, 2397-CSA, 2381-CSA; NJ Burg & Fire Business Lic. #34BF00048300, 200 East Park, Ste. 200, Mt. Laurel, NJ 08054; NY 12000305615; PA 090797; MS 1501951. DF-CD-NP-Q421

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On December 7, 2021, the adult son of a senior citizen client hand delivered a bill to me with a note from his father that asked why his insurance policy was not paying the bill. I copied the bill and the note and gave the originals back to the client’s son. I went to work on the bill for $1,788.30 right away. I phoned the client’s Medicare supplement plan insurance company and asked why the bill did not get paid. It was because The insurance company never got complete information about the bill. To protect itself financially, the insurance company will not pay a Medicare related bill until it has complete information. In this case, the insurance company never got the “ICN”. That is a special number that identifies the claim as a separate and distinct bill from all other bills. Without such an identifier, the insurance company might be asked to pay the same bill over and over again. To help our client, I wrote a letter to the hospital that sent the bill and explained both

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and able buyer and are likely to be entitled to a commission for their work. If you simply refuse to complete the transaction, then the buyers may sue for damages as well as “specific performance,” a requirement to complete the sale. We suggest that you speak to an attorney. Question: I recently sold my home. The buyers have applied for a loan, but the Broker refuses to give me a copy of the appraisal. As the seller, shouldn’t I get a copy? Answer: No. The appraisal was ordered by the lender and paid for by the borrowers. As long as the loan is approved, it’s none of your business. However, if the appraisal comes in below the sales price and the purchaser asks you for a price reduction, you would then be on good grounds to ask for a copy.

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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 JOURNEY ROSE LIPSCOMB to the new name of JOURNEY ROSE YOUNG. The court date will be January 10, 2022 at 9:00am at 16501 S. Kedzie, Markham, IL 60455, in Courtroom 0207, in Cook County. Case number 20216004740.

December 15, 2021

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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 IN THE CIRCUIT COURT OF COOK COUNTY, ILLINOIS COUNTY DEPARTMENT - CHANCERY DIVISION WILMINGTON SAVINGS FUND SOCIETY, FSB NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS OWNER TRUSTEE OF CSMC 2018-RPL1 TRUST, Plaintiff, vs. UNKNOWN HEIRS OF GREGORY WILL MCBRIDE, KIM MCBRIDE, MARKUS MCBRIDE POSSIBLE HEIR, THOMAS QUINN AS SPECIAL REPRESENTATIVE, UNKNOWN OWNERS AND NONRECORD CLAIMANTS, Defendants, 20 CH 3660 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 Tuesday, January 4, 2022 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. 29-12-203-041-0000. Commonly known as 310 YATES AVE., CALUMET CITY, IL 60409. 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. 20-00357

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, January 5, 2022 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 1066 East 166th Street, South Holland, IL 60473. P.I.N. 29-23-101-048-0000.

For information call Ms. Mary E. Spitz at Plaintiff’s Attorney, Sottile & Barile, LLC, 7530 Lucerne Drive, Middleburg Heights, OH 44130. (440) 572-1512. ILF2103004 INTERCOUNTY JUDICIAL SALES CORPORATION intercountyjudicialsales.com I3181908 ... IN THE CIRCUIT COURT OF COOK COUNTY, ILLINOIS COUNTY DEPARTMENT - CHANCERY DIVISION TOWD POINT MORTGAGE TRUST 20175, U.S. BANK NATIONAL ASSOCIATION, AS INDENTURE TRUSTEE Plaintiff, vs. LANETTE COBBS Defendants, 21 CH 2056 NOTICE OF SALE

IN THE CIRCUIT COURT OF COOK COUNTY, ILLINOIS

Commonly known as 14724 HARPER AVE., DOLTON, IL 60419.

COUNTY DEPARTMENT - CHANCERY DIVISION

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.

vs. UNKNOWN HEIRS AND LEGATEES OF ROBERT TAYLOR, CHERYL SLOAN; SUPERINTENDENT OF PUBLIC AID FOR

DARYL P. RUSSELL AKA DARYL RUSSELL; DONATA RUSSELL AKA DONATA V. RUSSELL AKA DONATA

Defendants,

P.I.N. 29-11-215-043-0000.

Plaintiff,

vs.

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

...

BEAL BANK USA;

Plaintiff,

BRADLEY; CACH, LLC; STATE OF ILLINOIS; UNITED

I3181896

intercountyjudicialsales.com

TRUSTEE FOR THE IGLOO SERIES IV TRUST;

INTERCOUNTY JUDICIAL SALES CORPORATION

U.S. BANK TRUST NATIONAL ASSOCIATION AS

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

STATES OF AMERICA; UNKNOWN OWNERS AND NON RECORD CLAIMANTS;

17 CH 13874 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, January 10, 2022 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 1207 East 166th Street, South Holland, IL 60473. P.I.N. 29-23-408-001-0000. 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 Ms. Mary E. Spitz at Plaintiff’s Attorney, Sottile & Barile, LLC, 7530 Lucerne Drive, Middleburg Heights, OH 44130. (440) 572-1512. ILF2009004 INTERCOUNTY JUDICIAL SALES CORPORATION intercountyjudicialsales.com I3182291 ... IN THE CIRCUIT COURT OF COOK COUNTY, ILLINOIS COUNTY DEPARTMENT - CHANCERY DIVISION US BANK NATIONAL ASSOCIATION AS TRUSTEE FOR STRUCTURED ASSET INVESTMENT LOAN TRUST MORTGAGE PASS THROUGH CERTIFICATES SERIES 2005-11; Plaintiff, vs. LES F. HADEN; UNKNOWN HEIRS AND LEGATEES OF

Commonly known as 14220 South Michigan Avenue, Riverdale, IL 60827. 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 Sales Department at Plaintiff’s Attorney, Manley Deas Kochalski, LLC, One East Wacker Drive, Chicago, Illinois 60601. (614) 220-5611. 20-006137 F2 INTERCOUNTY JUDICIAL SALES CORPORATION intercountyjudicialsales.com I3182321 ... IN THE CIRCUIT COURT OF COOK COUNTY, ILLINOIS COUNTY DEPARTMENT - CHANCERY DIVISION ATHENE ANNUITY & LIFE ASSURANCE COMPANY, Plaintiff,

UNKNOWN OWNERS AND NONRECORD CLAIMANTS, Defendants, 19 CH 7895 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, January 12, 2022 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. 32-05-318-007-0000. Commonly known as 19004 LOOMIS AVE., HOMEWOOD, IL 60430. 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. 19-01609 INTERCOUNTY JUDICIAL SALES CORPORATION intercountyjudicialsales.com I3182348 ...

UNKNOWN OWNERS AND NONRECORD CLAIMANTS;

intercountyjudicialsales.com

16 CH 9850

U.S. BANK NATIONAL ASSOCIATION, AS TRUSTEE

I3181932

NOTICE OF SALE

...

US BANK TRUST NATIONAL ASSOCIATION AS TRUSTEE

FOR MASTR ASSET BACKED SECURITIES TRUST 2006-

OF CHALET SERIES III TRUST;

P.I.N. 32-11-106-008-0000.

WILBURN L. HESTER, JR.; SHERRY C.R. HESTER

Plaintiff,

Commonly known as 243 South University Avenue, Glenwood, IL 60425.

Defendants,

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 Tuesday, January 4, 2022 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. 29-18-402-062-0000. Commonly known as 15545 Lincoln Avenue, Harvey, Illinois 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. For information call The Sales Department at Plaintiff’s Attorney, Anselmo Lindberg & Associates, LLC, 1771 West Diehl Road, Naperville, Illinois 60563-1890. (630) 4536960. F20020159 INTERCOUNTY JUDICIAL SALES CORPORATION intercountyjudicialsales.com I3181901 ... IN THE CIRCUIT COURT OF COOK COUNTY, ILLINOIS COUNTY DEPARTMENT - CHANCERY DIVISION U.S. Bank Trust National Association as Trustee of the Cabana Series IV Trust Plaintiff, vs. Eric Patterson; Evelyn Patterson; Village of South Holland, an Illinois Municipal Corporation; Unknown Owners and Nonrecord

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

vs. SHALANDA S. IVEY; UNKNOWN OWNERS AND NONRECORD CLAIMANTS; Defendants, 20 CH 562 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 Thursday, January 6, 2022 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 284 Shore Drive Harvey, IL 60426. P.I.N. 29-08-201-012-0000; 29-08-201-0130000; 29-08-201-014-0000. 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.

NONRECORD CLAIMANTS;

COUNTY DEPARTMENT - CHANCERY DIVISION

For information call Law Clerk at Plaintiff’s Attorney, The Wirbicki Law Group, 33 West Monroe Street, Chicago, Illinois 60603. (312) 360-9455. W16-0504

16844 MERRILL AVENUE 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 8, 2021, an agent for The Judicial Sales Corporation, will at 10:30 AM on January 4, 2022, at The Judicial Sales Corporation, One South Wacker, 1st Floor Suite 030R, Chicago, IL, 60606, sell at a public sale to the highest bidder, as set forth below, the following described real estate: Commonly known as 16844 MERRILL AVENUE, SOUTH HOLLAND, IL 60473 Property Index No. 29-24-307-006-0000

WMC2, MORTGAGE PASS-THROUGH CERTIFICATES, SERIES 2006-WMC2 Plaintiff, vs.

18 CH 6708 Calendar 57 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 Thursday, January 13, 2022 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. 29-25-212-012-0000.

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 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).

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

BURR RIDGE IL, 60527 630-794-5300 E-Mail: pleadings@il.cslegal.com

Attorney ARDC No. 00468002 Attorney Code. 21762 Case Number: 2018CH03475 TJSC#: 41-1619

... IN THE CIRCUIT COURT OF COOK COUNTY, ILLINOIS

E-Mail: ILNotices@logs.com Attorney File No. 20-094304

COUNTY DEPARTMENT - CHANCERY DIVISION

Attorney Code. 42168

PROVIDENT FUNDING ASSOCIATES, L.P.

Case Number: 21 CH 2585

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.

I3182567 ...

19 CH 3983

I3182494

US BANK TRUST NATIONAL ASSOCIATION, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS OWNER TRUSTEE FOR VRMTG ASSET TRUST

NOTICE OF SALE

...

Plaintiff,

IN THE CIRCUIT COURT OF COOK COUNTY, ILLINOIS

-v.-

COUNTY DEPARTMENT - CHANCERY DIVISION

Defendants

P.I.N. 29-04-405-051-0000.

CODILIS & ASSOCIATES, P.C.

847-291-1717

intercountyjudicialsales.com

COUNTY DEPARTMENT - CHANCERY DIVISION

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

I3182646

Defendants,

IN THE CIRCUIT COURT OF COOK COUNTY, ILLINOIS

THE JUDICIAL SALES CORPORATION

Bannockburn IL, 60015

For information call Ms. Mary E. Spitz at Plaintiff’s Attorney, Sottile & Barile, LLC, 7530 Lucerne Drive, Middleburg Heights, OH 44130. (440) 572-1512. ILF1912014

Defendants,

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

Case # 2018CH03475

Case # 21 CH 2585

U.S. BANK NATIONAL ASSOCIATION, AS SUCCESSOR IN INTEREST TO BANK OF AMERICA NATIONAL ASSOCIATION, SUCCESSOR BY MERGER TO LASALLE BANK NATIONAL ASSOCIATION, AS TRUSTEE FOR GSAMP TRUST 2007-HE1, MORTGAGE PASS-THROUGH

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.

2121 WAUKEGAN RD., SUITE 301

INTERCOUNTY JUDICIAL SALES CORPORATION

I3182091

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.

LOGS Legal Group LLP

JANET C. SHELTON; BRETT H. SHELTON;

intercountyjudicialsales.com

vs.

INTERCOUNTY JUDICIAL SALES CORPORATION

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.

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

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

Plaintiff,

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.

Attorney File No. 14-18-02849

TJSC#: 41-2539

MB FINANCIAL BANK NA;

For information, The sales clerk, LOGS Legal Group LLP Plaintiff’s Attorneys, 2121 WAUKEGAN RD., SUITE 301, Bannockburn, IL, 60015 (847) 291-1717 For information call between the hours of 1pm 3pm.. Please refer to file number 20-094304.

COUNTY DEPARTMENT - CHANCERY DIVISION

The real estate is improved with a residence.

15W030 NORTH FRONTAGE ROAD, SUITE 100

intercountyjudicialsales.com

IN THE CIRCUIT COURT OF COOK COUNTY, ILLINOIS

Property Index No. 29-14-156-025-0000

Commonly known as 2031 EAST 171ST COURT, SOUTH HOLLAND, IL 60473.

...

Commonly known as 15715 MARYLAND AVE, DOLTON, IL 60419

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

INTERCOUNTY JUDICIAL SALES CORPORATION

I3182309

PUBLIC NOTICE IS HEREBY GIVEN that pursuant to a Judgment of Foreclosure and Sale entered in the above cause on September 30, 2021, an agent for The Judicial Sales Corporation, will at 10:30 AM on January 3, 2022, at The Judicial Sales Corporation, One South Wacker, 1st Floor Suite 030R, Chicago, IL, 60606, sell at a public sale to the highest bidder, as set forth below, the following described real estate:

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

...

NOTICE OF SALE

IN THE CIRCUIT COURT OF COOK COUNTY, ILLINOIS

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

21 CH 2585

For information call Sales Department at Plaintiff’s Attorney, Manley Deas Kochalski, LLC, One East Wacker Drive, Chicago, Illinois 60601. (614) 220-5611. 18-014831 F2

Claimants

17 CH 16394

LES F. HADEN, IF ANY; UNKNOWN OWNERS AND

Defendants

The judgment amount was $123,884.28.

INTERCOUNTY JUDICIAL SALES CORPORATION

NOTICE OF SALE

OLIVIA PHILLIPS, VILLAGE OF SOUTH HOLLAND, AN ILLINOIS MUNICIPAL CORPORATION, FIFTH THIRD BANK, N.A., SUCCESSOR BY MERGER TO MB FINANCIAL BANK, NATIONAL ASSOCIATION, SUCCESSOR BY MERGER TO HERITAGE COMMUNITY BANK

TERRI L. WEATHERSBY, BERENDA D. WEATHERSBY,

SPECIAL REPRESENTATIVE FOR ROBERT TAYLOR;

20 CH 3466

-v.-

The real estate is improved with a single family residence.

THE COUNTY OF COOK; CARY ROSENTHAL AS

Defendants,

Plaintiff,

vs.

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. 21-00591

Defendants,

CERTIFICATES, SERIES 2007-HE1

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

KEISHA S. HARRIS

Plaintiff, -v.WILLIAM P. BUTCHER, AS SPECIAL REPRESENTATIVE FOR LEONELL F. OLIVER (DECEASED), SOMERSET CONDOMINIUM ASSOCIATION, UNKNOWN HEIRS AND LEGATEES OF LEONELL F. OLIVER, UNKNOWN OWNERS AND NON-RECORD CLAIMANTS Defendants 2019CH10230 12811 S. PAULINA STREET CALUMET PARK, IL 60827 NOTICE OF SALE PUBLIC NOTICE IS HEREBY GIVEN that pursuant to a Judgment of Foreclosure and Sale entered in the above cause on October 5, 2021, an agent for The Judicial Sales Corporation, will at 10:30 AM on January 6, 2022, at The Judicial Sales Corporation, One South Wacker, 1st Floor Suite 030R, Chicago, IL, 60606, sell at a public sale to the highest bidder, as set forth below, the following described real estate:

2018CH03475

Commonly known as 12811 S. PAULINA STREET, CALUMET PARK, IL 60827

15715 MARYLAND AVE

Property Index No. 25-31-221-017-1029

DOLTON, IL 60419

The real estate is improved with a condominium.

NOTICE OF SALE

page

December 15, 2021

Say I saw it in The Shopper

REAL ESTATE FOR SALE • REAL ESTATE FOR SALE • REAL ESTATE FOR SALE • REAL ESTATE FOR SALE • REAL ESTATE FOR SALE • REAL ESTATE FOR SALE The judgment amount was $115,586.90.

-v.-

UNKNOWN HEIRS AND/OR LEGATEES OF LENELL C. WATSON A/K/A LENELL WATSON, DECEASED, JACK LYDON, AS SPECIAL REPRESENTATIVE FOR LENELL C. WATSON A/K/A LENELL WATSON, DECEASED, VALERIE A. WATSON, LENELL J. WATSON, VALERIE C. WATSON, AMY C. WATSON, JOSHUA G. WATSON, UNKNOWN OWNERS AND NON-RECORD CLAIMANTS, UNKNOWN OCCUPANTS

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, Alexander Potestivo, POTESTIVO & ASSOCIATES, P.C. Plaintiff’s Attorneys, 223 WEST JACKSON BLVD, STE 610, Chicago, IL, 60606 (312) 2630003. Please refer to file number 311214. 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. POTESTIVO & ASSOCIATES, P.C. 223 WEST JACKSON BLVD, STE 610 Chicago IL, 60606 312-263-0003 E-Mail: ilpleadings@potestivolaw.com Attorney File No. 311214 Attorney Code. 43932 Case Number: 2019CH10230 TJSC#: 41-1842 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 # 2019CH10230 I3182771 ... IN THE CIRCUIT COURT OF COOK COUNTY, ILLINOIS COUNTY DEPARTMENT - CHANCERY DIVISION WELLS FARGO BANK, N.A. Plaintiff,

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

Defendants,

to confirmation by the court.

20 CH 3803

LOGS Legal Group LLP

NOTICE OF SALE

2121 WAUKEGAN RD., SUITE 301

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, January 19, 2022 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:

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.

Bannockburn IL, 60015 847-291-1717 E-Mail: ILNotices@logs.com

Defendants

Attorney File No. 17-082984

17 CH 5718

Attorney Code. 42168

18909 BERNADINE STREET

Case Number: 17 CH 5718

LANSING, IL 60438

TJSC#: 41-3051

NOTICE OF SALE

PUBLIC NOTICE IS HEREBY GIVEN that pursuant to a Judgment of Foreclosure and Sale entered in the above cause on August 15, 2018, an agent for The Judicial Sales Corporation, will at 10:30 AM on January 10, 2022, at The Judicial Sales Corporation, One South Wacker, 1st Floor Suite 030R, Chicago, IL, 60606, sell at a public sale to the highest bidder, as set forth below, the following described real estate: Commonly known as 18909 BERNADINE STREET, LANSING, IL 60438

Case # 17 CH 5718 I3182819 ... IN THE CIRCUIT COURT OF COOK COUNTY, ILLINOIS

Property Index No. 33-05-112-039-0000

COUNTY DEPARTMENT - CHANCERY DIVISION

The real estate is improved with a single family residence.

ILLINOIS HOUSING DEVELOPMENT AUTHORITY;

The judgment amount was $124,945.64.

Plaintiff,

vs.

LAURA E. ROGERS AKA LAURA E. KNIGHTS; Defendants, 20 ch 1512 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 Tuesday, January 18, 2022 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. 30-17-214-028-0000. Commonly known as 128 WARREN STREET, CALUMET CITY, IL 60409.

Commonly known as 16600 Evans Avenue, South Holland, Illinois 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 The Sales Department at Plaintiff’s Attorney, Anselmo Lindberg & Associates, LLC, 1771 West Diehl Road, Naperville, Illinois 60563-1890. (630) 4536960. F20040011 INTERCOUNTY JUDICIAL SALES CORPORATION intercountyjudicialsales.com I3182880 ... IN THE CIRCUIT COURT OF COOK COUNTY, ILLINOIS COUNTY DEPARTMENT - CHANCERY DIVISION WELLS FARGO BANK, N.A., AS TRUSTEE, FOR PARK PLACE SECURITIES, INC. ASSET-BACKED PASS-THROUGH CERTIFICATES, SERIES 2005-WCW1 Plaintiff, -v.EDNA F. WILLIAMS A/K/A EDNA F. BURDEN, STATE OF ILLINOIS, UNKNOWN OWNERS AND NON-RECORD CLAIMANTS

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, JOHNSON, BLUMBERG & ASSOCIATES, LLC Plaintiff’s Attorneys, 230 W. Monroe Street, Suite #1125, Chicago, IL, 60606 (312) 541-9710. Please refer to file number 19-7586. 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 230 W. Monroe Street, Suite #1125 Chicago IL, 60606 312-541-9710 E-Mail: ilpleadings@johnsonblumberg.com

Defendants

Attorney File No. 19-7586

2019CH12313

Attorney Code. 40342

3031 STAFFORD DRIVE

Case Number: 2019CH12313

MARKHAM, IL 60428

TJSC#: 41-2795

NOTICE OF SALE

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

PUBLIC NOTICE IS HEREBY GIVEN that pursuant to a Judgment of Foreclosure and Sale entered in the above cause on March 4, 2021, an agent for The Judicial Sales Corporation, will at 10:30 AM on January 11, 2022, at The Judicial Sales Corporation, One South Wacker, 1st Floor Suite 030R, Chicago, IL, 60606, sell at a public sale to the highest bidder, as set forth below, the following described real estate:

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. 20-00387 INTERCOUNTY JUDICIAL SALES CORPORATION intercountyjudicialsales.com I3182854

Commonly known as 3031 STAFFORD DRIVE, MARKHAM, IL 60428 Property Index No. 28-24-106-017-0000

...

The real estate is improved with a single family residence.

IN THE CIRCUIT COURT OF COOK COUNTY, ILLINOIS

The judgment amount was $70,023.60.

COUNTY DEPARTMENT - CHANCERY DIVISION

WILMINGTON SAVINGS FUND SOCIETY FSB DBA

Plaintiff,

THE JUDICIAL SALES CORPORATION

SOUTH HOLLAND; UNKNOWN OWNERS AND NONRECORD

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

P.I.N. 29-22-419-007-0000.

CHRISTIANA TRUST, NOT INDIVIDUALLY BUT AS TRUSTEE FOR PRETIUM MORTGAGE ACQUISITIO TRUST

vs. ERIC D. TAYLOR AKA ERIC TAYLOR; VILLAGE OF

CLAIMANTS;

the highest bidder, as set forth below, the following described real estate: Commonly known as 17117 HOLMES AVENUE, HAZEL CREST, IL 60429 Property Index No. 28-25-302-009-0000 The real estate is improved with a single family residence. The judgment amount was $122,339.84. 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 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.

I3183069

For information, Alexander Potestivo, POTESTIVO & ASSOCIATES, P.C. Plaintiff’s Attorneys, 223 WEST JACKSON BLVD, STE 610, Chicago, IL, 60606 (312) 2630003. Please refer to file number 104150.

...

THE JUDICIAL SALES CORPORATION

IN THE CIRCUIT COURT OF COOK COUNTY, ILLINOIS

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

COUNTY DEPARTMENT - CHANCERY DIVISION

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

Case # 2019CH12313

U.S. BANK NATIONAL ASSOCIATION, AS TRUSTEE FOR THE CMLTI ASSETBACKED PASS-THROUGH CERTIFICATES, SERIES 2007-AMC3

POTESTIVO & ASSOCIATES, P.C. 223 WEST JACKSON BLVD, STE 610

Plaintiff,

Chicago IL, 60606

-v.-

312-263-0003

JABARI R. HUDSON A/K/A JABARI HUDSON, DEVON R. HUDSON

E-Mail: ilpleadings@potestivolaw.com

Defendants 18 CH 12987 17117 HOLMES AVENUE HAZEL CREST, IL 60429 NOTICE OF SALE PUBLIC NOTICE IS HEREBY GIVEN that pursuant to a Judgment of Foreclosure and Sale entered in the above cause on October 12, 2021, an agent for The Judicial Sales Corporation, will at 10:30 AM on January 13, 2022, at The Judicial Sales Corporation, One South Wacker, 1st Floor Suite 030R, Chicago, IL, 60606, sell at a public sale to

Attorney File No. 104150 Attorney Code. 43932 Case Number: 18 CH 12987 TJSC#: 41-2100 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 # 18 CH 12987 I3183311 ...

Join the Towle Theater for its 19th Season The Towle Theater is excited to announce its 19th Season. The season opens with the Northwest Indiana premiere musical comedy, Murder for Two. which is the perfect blend of music, mayhem and murder! In this hilarious 90-minute show, 2 performers play 13 roles – not to mention the piano – in a witty and winking homage to old-fashioned murder mysteries. Officer Marcus Moscowicz is a small-town policeman with dreams of making it to detective. One fateful night, shots ring out at the surprise birthday party of Great American Novelist Arthur Whitney and the writer is killed…fatally. With the nearest detective an hour away, Marcus jumps at the chance to prove his sleuthing skills—with the help of his silent partner, Lou. But whodunit? You won’t want to miss this killer musical comedy! Murder for Two runs February 25-27, March 4-6, 11-13, 2022. The second show of the season is the comedy, Hope and Gravity. When an elevator falls in a major city, nine lives intersect in surprising ways, both comic and tragic—through love and sex, poetry and dentistry; in offices, homes, and hotel rooms. Jill longs for Steve, who’s engaged to Barb, who hooks up with Peter, who’s already having an affair with Nan, who’s married to Marty, who subscribes to Elevator World. Meanwhile, nine stories off the ground, Douglas meets Tanya—who’s hoping to get pregnant with Hal—and a little miracle changes hands. By turns hilarious and profound, Hope and Gravity traces the barely perceivable threads that connect us all. Performances are May 6-7, 13-15, 20-22, 2022.

The summer musical at the Towle is the hilarious musical, Reefer Madness. Inspired by the original 1936 film of the same name, this raucous musical comedy takes a tongue-in-cheek look at the hysteria caused when clean-cut kids fall prey to marijuana, leading them on a hysterical downward spiral filled with evil jazz music, sex and violence. This musical runs July 8-10, 15-17, 2224, 2022. The final show of the 2022 season is The Last Lifeboat. We all know the story of how the Titanic sank...or do we? J. Bruce Ismay, chairman and managing director of White Star Lines, saved as many people as he could and finally, with no women and children in sight, he stepped into the last lifeboat...and was branded a coward and traitor forever. The world needed a scapegoat and Ismay became the perfect target. This is the story of the Titanic that‘s never been told. This epic tale explores not only the tragedy itself, but the sensationalized trials and aftermath of the night that changed the world forever. The performances for The Last Lifeboat are September 9-11, 16-18, 23-25, 2022. If you are interested to know more about the season, the Towle Theater will be bringing past and present cast members to their stage for the 2022 Season Preview. The Season Preview gives audiences a taste of what to expect in the Towle’s 2022 season. This one weekend only event will highlight scenes and songs from the Towle Theater’s 19th Season which include the musical comedy Murder for Two, the comedy Hope and Gravity, the hilarious musical Reefer Madness and the poignant drama

The Last Lifeboat. The Season Preview features a reception beginning at 7 p.m. and performance at 8 p.m. on Saturday and on Sunday, the reception is at 1 p.m. and performance is at 2 p.m. The event is $5 to subscribers who have 2022 Season Tickets. Tickets are only $10 to non-subscribers and they can apply $5 of that toward the purchase of a Season Ticket at the Preview. Any patron who would like to attend must reserve a ticket prior to the show date and tickets are non-refundable. Please arrive at least 15 minutes prior to curtain as there will be no late seating. The health and safety of their audience, cast and staff is their utmost priority. Until further notice, the Towle is requiring all patrons to show proof of vaccination with id and to properly wear masks once they enter the building until they exit. If for medical reasons anyone is not able to abide by their policy, they suggest visiting them for a future show. By buying tickets to any production, patrons are agreeing to the terms of the Towle’s covid protocol. Once reservations are made, refunds will not be offered for non-compliance. Don’t miss out on all four shows at the low price of only $60. That’s only $15.00 per ticket. This price is only good until January 9, 2022. So, order your Season Tickets today. For more information on purchasing Season Tickets or Season Preview Tickets, please visit www.towletheater.org or call the box office at 219-937-8780.

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December 15, 2021

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Personal Trainer to the Real Estate Consumer

GULLICKSON

A funeral service for Wilma J. Gullickson, nee Stooksbury, will be held Friday, December 17, 2021 at Smits Funeral Home in Dyer, IN, with Pastor Don Rector officiating. Mrs. Gullickson was born March 18, 1938 and passed away December 10, 2021. Wife of the late Russell A. Gullickson. Mother of Dawn (Jamie) Miller, Russell A. (Susan) Gullickson III, and Lori (Marcin) Bartoszewski. Grandmother of 9; greatgrandmother of 10. Sister of Virginia “Ginny” (Pastor Don) Rector, Randy (Diane) Stooksbury, Nancy (David) Greener, Jeff (Kami) Stooksbury, the late Margaret (Kent) Taylor, and the late Pate (late Jim) Jandura. Interment Memory Lane Memorial Park Cemetery – Crown Point, IN. Arrangements entrusted to Smits Funeral Home – Dyer, IN. www.smitsfh.com

UMLAND

A Funeral Service for Eugene C. “Gene” Umland will be held on December 17th at Immanuel Lutheran Church with Rev. Bryan Reeves officiating. Mr. Umland was born October 5, 1935 and died December 11, 2021. He was the husband of Elaine nee Luering; father of Julie (John) McSwain, Kathie (James) Francesconi, and Margie (Brian) D’Apice; grandfather of Nicole (Justin) Galyon, Joshua (Kate) McSwain, Staci Hill, Daniel (Cheyenne) Francesconi, Ryanne (Hayden) Martin, Gina (Robert) Ruiz, and Joseph Francesconi; greatgrandfather of Luke and Logan Galyon, Andrew Hill, Rory and Hayes Martin, and Willow Francesconi; Interment Private. Arrangements entrusted to Thornridge Funeral Home (Janusz Family Funeral Service). 708-460-2300 or thornridgefuneralhomes. com

The Holidays “A Great Time to Sell”

RUSH

A Memorial Mass for Michael J. Rush will be held on December 18th at St. Francis of Assisi Church with Rev. Art Sowa officiating. Mr. Rush was born December 4, 1938 and died November 26, 2021. He was the husband of the late Kathleen nee Dilley; father of Michelle (Christopher) Toppi, Kirstie (Jeff) Stuckey, and Mary (Joe) Duffy; grandfather of Gavin, Brenden, Ryan, Owen, Griffin, Charlie, and Ireland; brother of Theresa Rush; uncle of many nieces and nephews. Inurnment Holy Sepulchre Cemetery. Arrangements entrusted to Thornridge Funeral Home (Janusz Family Funeral Service). 708-460-2300 or thornridgefuneralhomes. com

December is National Egg Nog Month. Imbibe responsibly.

MIKE BUDER The holiday season is a great time to sell your home! Ok, you need to sell your home. You just got notice of a job transfer, you are getting married and moving to live with your new husband/wife, you just found out you are having a baby and need more space, your last child is graduating and you need less space, whatever the reason you need to move! Common sense might tell you that you should just wait until January to put your house on the market because well quite frankly it might be kind of a pain to keep your house in “show ready” condition during the hustle and bustle of the holidays. While this might be true, I am here to tell you some really great reasons you should make the effort to put (or keep) your home on the market during the most wonderful time of the year! 1. Holiday house hunters are typically serious home buyers they aren’t going to be looking during the holiday season unless they really want/need to buy. 2. Your home will likely feel very warm and homey during this season (as long as you don’t go Clark Griswald on the neighborhood). 3. If you are planning

on spending anytime away visiting others during the holidays…your home becomes a “go and show” when you are out of town and is always show ready. 4. Many of your neighbors will be having family and friends over for parties and such…you might just get some interested buyers. 5. Lots of people get bonuses and some will likely plan to use theirs as a down payment. 6. Let’s not kid…your house will smell amazing with all the pumpkin pies, sugar cookies, and breads you will be making. 7. People are generally happy during the holiday season; happy people make happy home buyers. 8. The majority of folks will think this is a bad time to sell a home so they will take their homes off the market or wait to put them on the market…this means you will have much less competition! 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

The Shopper runs free, non-business classified ads, which run as space is available. Email - General@MyShopper.biz

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Holiday Happy Hour: 2:59 pm is the precise time that Illinoisans consider ‘acceptable’ to begin drinking during Holiday survey finds The unofficial rule is that it’s acceptable to have your first alcoholic drink at 5 p.m. - no earlier. ‘It’s five o’clock somewhere’ is a cheeky re-interpretation of when it’s acceptable to have your first drink and could be used to shake off judgements when it comes to day drinking. But when it comes to the holiday season, when traditions are typically focused on celebrating the end of the year, rules can sometimes be bent. Are morning mimosas acceptable during breakfast at 8 am if it’s close to Christmas? Is boozy eggnog considered a suitable accompaniment to pancakes, eggs and bacon? Detox.net, an online resource for finding drug and alcohol addiction detox centers, conducted a survey (3,178) to find out what time the average household considers an acceptable hour to start drinking over the festive season, which revealed some very interesting results. It turns out that 2:59 pm is the precise time that Illinoisans consider an ‘acceptable’ time to begin drinking over the holidays (later than the national average of 2:42 pm). However, the survey also found that 16% of Illinoisans admit that they bend the rules and drink before lunchtime. In Alaska, the average household considers midday - at 12:30 pm - an acceptable time to start pouring drinks. Could this be because Alaska is among the coldest states in America? This hypothesis makes sense given that the survey revealed that

households in Hawaii, on the other end of the Fahrenheit scale, prefer to wait until just before the evening hits to start drinking: 4:11 pm. Indeed, a survey by Rehabs.com earlier in the year found that 1 in 5 Americans admit to drinking more when the weather is cold out. A common perception of someone with alcoholism is the image of, someone who drinks as soon as their alarm goes off in the morning. Other people believe in the ‘hair of the dog’ hangover-avoidance method, which includes having an alcoholic drink the morning after a big night out in an attempt to lessen or alleviate the symptoms of a hangover. Spoiler alert: this method merely postpones the effects of a hangover and can turn into a bad habit. In fact, there are many dangers associated with drinking alcohol first thing in the morning, which the experts at Detox. net have explained below: It can become a habit. The festive period (from Thanksgiving through NYE), includes meet-ups with friends and colleagues as well as many other opportunities for someone to create a habit of drinking earlier in the day. Whether it’s a mimosa at breakfast, or eggnog mid-morning, it’s easy for alcohol to become a mainstay in the days leading up to the end of the year. It may seem harmless as you may think you’re ‘just getting into

the festive spirit,’ but it is still drinking, and you might even be consuming more if you start earlier in the day, as compared to a night out. You can get dehydrated easily - unlike summer, whereby warmer temperatures make you more inclined to drink water to quench thirst and cool down, the festive period is not one typically associated with rehydration. Rather, you are more likely to be offered an array of festive drinks such as mimosas, eggnogs, hot toddy’s and hot buttered rums, rather than water, still or sparkling. So If you are going to keep drinking, make sure to drink water in-between these Christmas cocktails. You drink way more than you notice. Drinking earlier in the day, such as kicking things off with a wassail, means you’ll likely be drinking far more than you realize. So, no matter what time you begin, it is a good idea to set a limit for yourself and stick to it. You are more likely to end up in the ER. Beyond the direct effects of drinking too early in the day, doing so also risks ending up in the hospital. It is no surprise that being more intoxicated increases your risks of accidents happening, and no one wants to end up in the ER on Christmas Day!

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December 15, 2021

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Financial Advice Column

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Term insurance is quite affordable when you’re young. But when the term expires after, say, 15 or 20 years, the premiums can become much more expensive. Consequently, there will likely be much less of a gap between the costs of term and permanent insurance. • Permanent insurance investments can grow tax-deferred. If you followed the “buy term, invest the difference” approach, and you purchased stocks or mutual funds, you might incur taxes on capital gains and dividends. But the investments within a permanent insurance policy are tax deferred, so you won’t pay taxes on interest, dividends or capital gains until you withdraw the proceeds, similar to the tax benefits you get with your IRA and 401(k) accounts. Even though you should consider the above issues, you don’t necessarily have to dismiss the “buy term, invest the difference” strategy. Everyone’s situation is different, so you’ll want to explore your options carefully. At different times of your life, different insurance and investment solutions may be appropriate. But however you choose to do it, you’ll want to maintain sufficient life insurance and invest for your long-term goals – two actions that can pay off for you and your loved ones. Edward Jones is a licensed insurance producer in all states and Washington, D.C., through Edward D. Jones & Co., L.P., and in California, New Mexico and Massachusetts through Edward Jones Insurance Agency of California, L.L.C.; Edward Jones Insurance Agency of New Mexico, L.L.C.; and Edward Jones Insurance Agency of Massachusetts, L.L.C. Edward Jones, its employees and financial advisors cannot provide tax advice. You should consult your qualified tax advisor regarding your situation. 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. Edward Jones. Member SIPC.

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SUBMITTED BY PATRICK ZAMKIN If you have children or other loved ones who depend on you financially, you need life insurance – no question about it. And you’ll need an amount that can enable your family members to continue their lifestyle if you aren’t around. But there may be less certainty about what type of insurance you should purchase: term or permanent. And the issue can cause even more confusion if you’ve heard the phrase: “Buy term and invest the difference.” What does this mean? And is it good advice? First, let’s review the chief differences between term and permanent insurance. As its name suggest, term insurance lasts for a set period, such as 10 or 20 years, while permanent insurance can last your entire life. Term insurance only pays a death benefit – there’s no opportunity to build cash value. But permanent insurance, such as universal life, also contains an investment element. Consequently, permanent insurance premiums are generally considerably higher than those of term insurance. Given this difference in premiums, you may have heard that it’s a good move to buy term insurance and use the “savings” – that is, the money you would have spent on a costlier permanent insurance policy – to invest in stocks or mutual funds, rather than rely on the investments contained in permanent insurance. But in reality, it’s not that simple. Here are a few reasons why “buy term, invest the difference” may not always be the best strategy: • People don’t consistently invest the difference. Although people may have the best intentions when it comes to investing the savings achieved by purchasing term insurance, life often gets in the way and they find other ways to spend the money. Or they may invest sporadically or make poor investment decisions. By way of contrast, the premiums that go into permanent insurance are invested systematically and managed by professionals. • Term premiums won’t always be cheap.

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