The Shopper 12/30/2020

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Wednesday • December 30 • 2020

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December 30, 2020

Thank you 2020 At this point what is left to be said about this year that has not been said and has not become a cliché? I like many of you have had a year of some of my highest highs and lowest lows. I always prided myself on being someone who could overcome anything, that nothing really shocked me, this year I was shocked again and again. I could climb mountains to solve a problem but this year I began to trip on mole hills that would leave me in tears. With the help of my family friends and co-workers I got though the year and I am now a lot stronger for it.

The Shopper has gotten though it because of you, our readers and our advertisers. When we were not sure if the doors would reopen back in April and I made dozens of calls to our advertisers, every time they had a story for me about how long they have been advertising with us and how they used to deliver The Shopper as a kid. When we came back our readers reached out to let us know how excited they were that we came back. Calls that I get from readers thanking and telling us how much they love the paper has kept me going.

A few weeks back after a particular difficult day I got a call from a reader asking to be put on the mailing list.

I was happy to do it and I love adding to that list when she said, “The paper is not what it used to be”. This is a phrase I have heard a lot over the years, and always puts me on the defensive, but then she went on about how excited she was about all the news and stories that were in the paper and how much better the paper has gotten.

These are the things that kept me going.

The Shopper is so fortunate to have so many dedicated reader and advertisers that have kept us going this year. Even though we would all like to believe that 2020 is a Jumanji situation and on Thursday night when we all yell Happy New Year it will all go back to normal this is not the case. We all must continue to help and lift each other up.

Thank you to everyone who has helped us keep our doors open. Thank you to everyone who has shopped at a local business. Thank you to everyone who donated to charity this year because more people then ever need the help. Thank you to our healthcare workers. Thank you to the service industry workers like my husband who kept our grocery stores opened and the restaurant workers who served us a meal when we just could not mange the day anymore and just wanted to try to feel normal for a minute. Thank you 2020 for teaching us all how strong we can really be and thank you for ending.

Erica Wolak Publisher, The Shopper

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TO BE ADDED, EMAIL ERICAW@MYSHOPPER.BIZ 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.

CLASSIFIED ADS The Shopper offers FREE non-business Classified Ads (20 word maximum). Business Classifieds are $25 for 20 words, $1 .00 per word over.

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

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

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

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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.

WORSHIP SERVICES Sunday Worship .......... 9:30 a.m & 5:30 p.m.

Monday Men’s Bible Study……..... 6:45 p.m.

Tuesday Womens Bible Study……9:45 a.m.

COVENANT UNITED CHURCH OF CHRIST

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

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

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

FIRST CHURCH (PCA)

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

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

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

FIRST CHRISTIAN REFORMED CHURCH

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

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

FIRST REFORMED CHURCH

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

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

KING’S COMMUNITY CHURCH

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

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

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

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

RECONCILIATION CHURCH

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

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

REDEEMER LUTHERAN CHURCH

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

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

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

SPIRIT OF GOD FELLOWSHIP

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

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

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December 30, 2020

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

Dolton Public Library promotes health and safety.

Come and pick up your free mask and hand sanitizer (1 per person) at Curbside Pickup while supplies last, Monday through Saturday between 10:00am to Noon & 3:00pm – 5:00pm.

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

Teen Kahoot Come and join in the DPLD Teen Kahoot to show your skills and knowledge in the field of music. Happens every Saturday, beginning Sept.

26, 2020 from 1:30pm – 2pm. Check out the DPLD website for more registration information.

Saturday Cooking with Chef Jazzy John.

Beginning every other Saturday on 9/19/20, learn how to cook some appetizing meals (2pm – 3:30pm). 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.

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.

Jan. 2021 Book - The Wedding Date,

by Jasmine Guillorty Feb. 2021 Book - Unbreak My Heart,

by Toni Braxton Mar. 2021 Book - The Vanishing Half,

by Brit Bennett Creative Bug Learn how to quilt, paint, jewelry making, crocheting, and many other crafty hobbies, free of charge. All that is needed is a DPLD library card and you can join in the classes as often as you wish. Go to www.doltonpubliclibrary. org under Electronic Media Tab. The Virtual Game Station A virtual station of various games available to children to enjoy on Thursdays, (3:00pm to 5:00pm) beginning October 8, 2020.

Games such as Uno, ChessKids, Starfall and CBC Kids available for children to play. To register for the Game Station go through the calendar of events on our website at www. doltonpubliclibrary.org Ducksters Education Site Gain access to kid friendly educational games and subjects in the areas of History, Geography, Biographies and Science. To register for Ducksters go through the calendar of events on our website at www. doltonpubliclibrary.org. Starts October 7, 2020. Available Daily.

Virtual Story Time with Mrs. Brooks Come and join in the story time with Mrs. Brooks. For ages 3 - 12. 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 Pokémon Virtual Escape Room Oh no! Ash and Pikachu are trapped! Can you answer the questions correctly and help them ESCAPE? For ages 6 - 12. Starting October 10, 2020 every Saturday & Sunday

from 4:00pm to 6:00pm. To register for the Pokémon Virtual Escape Room go through the calendar of events on our website at www. doltonpubliclibrary.org

Senior Bridge Club Come out for the fun every Tuesday, from 4pm to 5pm If interested register by calling 708-849-2385 or email at lincoln@ doltonpubliclibrary.org and leave your full name, email and cell phone to register.

Shopper Newspaper Pick up your weekly print Shopper Newspaper in the stand in front of the library or read it online on the Dolton Public Library Website at https://myshopper.biz Virtual 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.

Virtual Zumba Dolton Public Library District presents Virtual Zumba with licensed instructor Yvette Roberts. Come and join in the fun every Friday at 5pm. Please call 708-849-2385 or email lincoln@doltonpubliclibrary.org and leave your full name, email and phone number to register.

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.

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.

Coffee & Chat Every 1st and 3rd Thursday, at 11am. The community comes together and just talks about what is happening all around while sipping some java. Chat will be held via Zoom and link will be sent out the day of the program.

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

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

NewsBank NewsBank is a provider of newspaper titles.

The Dolton Public Library District has the ‘Chicago Collection’ of newspapers from this resource, which includes The Chicago SunTimes and The Chicago Daily Southtown, along with many other area community newspaper titles. This resource not only includes today’s newspaper in electronic form, but also archived newspapers. By just using your DPLD library card to access, you can read your daily newspaper with all the ads and color pictures, as if you were reading it in print format.

Teens Graphic Novel Book Club This is a virtual program through Zoom. First Discussion is 11/14/20 and thereafter every 2nd Saturday of the month at 3:00pm. Tweens and Teens discussion of various graphic novels.

The first one to discuss is Black Panther Book One by Ta-Nehishi Coates. All books chosen will be available as an e-book on Hoopla from

our library website. To register, call library at (708-849-2385) or email at lincoln@ doltonpubliclibrary.org and provide Name, Library Card Number, Cell Number and Email. YOU can apply for a virtual library card at www.doltonpubliclibrary.org

Speak Out! Dolton Public Library District knows you have a voice and we want to hear it! Express yourself with a poem, rap, or spoken word. Suggested topics Covid-19, Election, Black Lives Matter, Lockdown, Holidays, Family, College, Future, Love, Fear, Friends, etc. No profanity please.

Register at lincoln@doltonpubliclibrary.org and leave your name, email and cell number or call (708-849-2385, #4). Rules and details will be emailed to you after registration.

Homework Help Dolton Public Library District has the 1st and 3rd Wednesdays of each month via the library’s CHAT on the library’s website. (3:30pm to 5:30pm) www.doltonpubliclibrary.org homework help for students. Chat sessions are limited to about 15 minutes per session so not one person can monopolize the time.

Virtual Crocheting 101 (Series Sessions) Join us via Zoom on Mondays at 3pm beginning in December 2020 [Program attendance is limited to 15] • Dec. 28, 2020 – How to Crochet – Essential Skills for Getting Started • Jan. 11, 2021 - How to Crochet – Advanced Beginner Techniques • Jan. 25, 2001 - Yarn 101 • Feb. 8, 2021 - Sweet Rolls & Jelly Rolls To register, either email at lincoln@ doltonpubliclibrary.org or call at 708-8492385 and leave your full name, cell phone number and email. Zoom link will be sent the day of the program.

Burbio A one-stop free resource to find out about all the Dolton area events and activities. This resource links all the community together.

Groups that wish to post their events on Burbio should contact: groupsupport@ burbio.com Persons in the community can sign up at Burbio.com or download the free Android or IPhone app and follow the calendars that interest you.

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

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)

Read The Shopper online!

Go to ISSUU.com/MyShopper

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

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

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

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

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

Lansing Library Live Trivia! (Facebook Live) Every Thursday at 6:00 p.m.

Visit our Facebook Page. For ages 18 and up.

Make It! Craft Project Class (Youtube) Premieres on January 8 at 10:00 a.m.

Single Line Valentine Mobiles Great Moments in Dumb History (Facebook Live) Tuesday January 26 from 6:00 p.m. to 7:30 p.m.

Tech Corner: Get Smart (On Phones) (Facebook Live) Tuesday January 5 from 2:00 p.m. to 3:00 p.m.

Tech Corner: Online Privacy (Facebook Live) Tuesday January 19 from 2:00 p.m. to 3:00 p.m.

Thornton Public Library

Address: 115 E. Margaret St. Thornton, IL. Email: library@thorntonil.us Website: https://www.thorntonlibrary.org/ Our doors maybe closed, but service is always available at the Thornton Public Library.

Curbside side service. All you need to do is call us at 877-2579 and ask for a particular book or DVD that we may carry. If we have it, we will bring out to you once you let us know you have arrived. All we need to see is a current library card. If you’re craving for a good mystery, thriller, romance or biography, we are here to provide for you through our curbside service. Our hours of operation is Mondays, Wednesdays and Friday 9 AM -5 PM. Tuesday and Thursday 9 AM-6PM. Saturdays 10AM-4PM.

Email your library events to general@myshopper.biz

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December 30, 2020

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Allied Universal hosts hiring event for security pros Allied Universal, a leading security and facility services company in North America, is seeking to hire 60+ security professionals in the South Chicagoland area. Allied Universal is holding an open house hiring events on January 6, January 7, January 13, January 14, January 20, January 21, January 27 and January 28 from 10 am to 2 pm at the company’s branch office at 7820 Graphics Drive, Suite #105 in Tinley Park, Illinois.

In addition to in-person interviews, Allied Universal also employs a virtual interview process where applicants can complete the company’s online application from the comfort of their home through highly advanced video interviewing technology. Applicants can apply online at this link. We invite The Shopper​to report on this hiring event.

“We are recruiting for all shifts for all levels of experience,” says Tamika Henderson, Regional Recruiter, Allied Universal.

“Our clients, and the public at large, rely on us to keep our communities and businesses safe and secure especially during these challenging times,” said Steve Jones, Chairman and CEO of Allied Universal. “Our

security professionals play a pivotal part ensuring facilities can continue business as usual and other businesses that had to close, can rest assured that their assets will remain protected.”

For full time positions, company benefits include medical and dental coverage, life insurance, 401(k), holidays and more. Allied Universal is an equal opportunity employer committed to hiring a diverse workforce.

“Our #1 priority is to keep our employees safe and healthy in the workplace,” said Jones. “We have a dedicated safety team constantly monitoring all COVID-19 developments ensuring we continuously educate our employees to understand and follow the CDC guidelines.”

Allied Universal offers careers and longterm growth in the thriving security industry.

The company has countless examples of individuals that began their career as a security professional and today are in senior leadership positions.

Comprehensive national job listings are available at: https://jobs.aus.com/.

Speaking Of Seniors

THE BILL WAS PAID SIX WEEKS AGO! WOODROW WILCOX

A client from Illinois sent to our office a medical bill from a firm representing some anesthesiologists in Illinois. The client wanted to know if he should pay the bill.

I checked on it. I told the client not to pay the bill. Why? Because his insurance company already paid the bill over six weeks earlier.

The bill to our client was dated December 4, 2020. But the Medicare supplement insurance company that he uses had already paid that bill balance on October 22 when the medical firm cashed the check that the insurance company sent to pay that bill.

I wrote the medical firm to scold it for sending a bill to a patient six weeks after the bill balance was already paid by the insurance company. If I had not reviewed the bill for our client, the senior would have paid

the balance a second time and the medical firm would have doubled the money that it should have for the balance after Medicare paid.

All the help that I gave this client was FREE OF CHARGE. If your insurance agency does not give this high level of customer service, why not switch to an insurance agency that does have high standards? Our agency does have these high standards.

Note: Woodrow Wilcox is the senior medical bill case worker at Senior Care Insurance Services in Merrillville, Indiana. He has saved clients of that firm over two million dollars by fighting mistakes and fraud in the Medicare system. Also, Wilcox wrote the book SOLVING MEDICARE PROBLEM$ which is available at Amazon, E-Bay, and other book sellers.

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December 30, 2020

Last-Minute Money Tips For Seniors As 2021 Approaches As the New Year beckons, older Americans may want to take an extra moment to reflect on money matters and make certain they are well-positioned for any unexpected jolts 2021 could send their way.

That could be more important than ever after all the uncertainties and setbacks of 2020, says Chris Orestis, the president of LifeCare Xchange who is known as the “Retirement Genius” (www.retirementgenius.com).

“Despite another round of coronavirus relief stimulus checks coming to qualified Americans soon, many baby boomers and seniors have seen their retirement savings dwindle to less than a month’s income with many having little to no retirement strategy at all,” Orestis says. “Meanwhile, the rising costs of healthcare and long-term care can put a stress on financial stability for an entire family.”

Orestis offers a few money tips for those in or near their retirement years: Make sure you’re getting the most out of Social Security. There is growing concern that Social Security will be unable to fund the retirement needs of seniors and baby boomers beyond 2034 without government intervention into alternative models of funding, Orestis says. “In the meantime,” he says, “it’s important to understand the rules of Social Security so you can maximize your benefits and minimize tax liabilities.” Decisions such as what age you will start collecting to lock in the highest monthly benefit for life can get complicated, he says, so doing your homework and even seeking professional advice might be in order.

Investigate how to pay for long-term care.

One unfortunate reality of aging is that many older Americans at some point need expensive long-term care. Long-term care insurance can help, but you need to find out if it’s the right or an available option for you. But Orestis asks, “Can you pay for the premiums without stretching your monthly budget too thin?” Generally, he says, you will need to pay premiums for many years before ever using the insurance. The best time to buy longterm-care insurance is when you’re in your early- to mid-50s and in good health. About 25 percent of people in their 60s are turned down for the insurance.

Explore the pros and cons of a reverse mortgage or a life settlement. Struggling seniors who want to avoid drawing too much out of their retirement accounts and risk running out of money could consider a reverse mortgage or a life settlement, Orestis says. A reverse mortgage is a mortgage loan or line of credit, usually secured by a residential property, that enables the borrower to access the unencumbered value of the property. The loans are designed for older homeowners and do not require monthly payments for as long as the homeowner is living in the home.

A life settlement is the sale of an existing life insurance policy by the owner to an investor for a percentage of the death benefit paid out as a tax advantaged lump-sum of cash. Life settlements are the only financial option for seniors that will pay them more money the older or sicker they get. “Life insurance policies are one of the most stable and valuable assets people own,” Orestis says, “but millions of seniors every year will abandon a policy without realizing the value they could receive through a settlement.”

Reverse mortgages and life settlements are well regulated and mainstream transactions that people have become more aware of over the last three decades, at least in part from seeing TV commercials about both on a daily basis.

Take advantage of senior discounts and membership organizations. Many businesses give older Americans a break on prices for everything from a haircut to a fast-food meal to a seat on an airplane. Joining groups such as AARP or AAA are also a great resource for services and member-only discounts. “Unfortunately, many people don’t take advantage of these opportunities and discounts as often as they should,” Orestis says. “In many cases that could be because it just doesn’t occur to them, or it may be because they have a hard time thinking of themselves as seniors.”

“Aging is an inevitability for all of us, and there is no need to fear what could be some of the best and rewarding years of your life,” Orestis says. “The key to arriving financially and physically fit is in the investments you make in yourself today. Regardless of how old you are, it’s never too late to make a positive step forward into those senior years.”

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

Personal Trainer to the Real Estate Consumer

2021 Seller Resolutions

Say I saw it in The Shopper

4 Tips For Retirement Planning As A New Year Brings Hope COVID-19 took a heavy toll on the U.S. economy in 2020, causing millions of job losses and forcing many businesses to close. It also affected lots of retirement plans in the process.

A survey by the Pew Research Center found that 36% of Americans who save regularly are saving less because of the pandemic, and one-third said they’ve had to dip into their retirement savings to pay bills.

This is unsettling news, but as we gratefully flip the calendar to 2021, there is good news. Vaccines for COVID-19 bring hope for a return to a more stable world. The economy has shown signs of recovering. While much economic uncertainty remains in the months ahead, there are some important things you can do in the new year to help your retirement savings: Customize your budget for life Adjust your budget and remember to pay yourself first. At a minimum, be sure to have three things within your budget: how much you’re taking in after taxes, how much you’re spending, and how much you’re saving.

If you’re not sure where your money is going, track spending using a spreadsheet or an online budgeting app for 60 days. Determine how much money you need to cover your fixed monthly expenses and how much you’d like to put away for other goals such as retirement. The rule of thumb is to save 10–15% of pre-tax income, including any match from an employer, starting in your 20s for retirement.

If you delay, add about 10% for every decade you delay saving for retirement. Remember to re-evaluate your emergency funds and make sure to have four to six months’ worth of essential living expenses set aside in a savings vehicle.

Manage your debt For most people, some level of debt is a practical necessity; however, problems arise when debt becomes the master, not the other way around. To stay in charge, keep your total debt load manageable. Don’t confuse what you can borrow with what you should borrow.

Keep the monthly costs of owning a home (principal, interest, taxes and insurance) below 28% of your pre-tax income and your total monthly debt below 36% of your pre-tax income. Eliminate high-cost, non-deductible consumer debt and avoid borrowing to purchase depreciating assets. Try to pay off credit card debt and consider consolidating your debt in a low-rate home equity loan or line of credit (HELOC).

Optimize your portfolio We all share the goal of achieving better investment results. Research, however, shows timing of markets is difficult and can be counter-productive. Create a written plan that will help you stay disciplined in all kinds of markets. Focus first and foremost on your overall investment mix.

After committing to a savings plan, how you invest is your next important decision.

Have a targeted asset allocation — that is, the overall mix of stocks, bonds and cash in your portfolio — that you’re comfortable with,

even in a down market. Make sure it’s still in sync with your long-term objectives, risk tolerance and time horizon.

Diversification can help reduce risk and can be a critical factor in helping you reach your goals, but make sure to consider taxes.

Place relatively tax-efficient investments, like ETFs and municipal bonds, in taxable accounts, and put relatively tax-inefficient investments, like mutual funds and real estate investment trusts (REITs), in tax-advantaged accounts. Tax-advantaged accounts include retirement accounts, such as a traditional or Roth individual retirement account (IRA). If you trade frequently, do so in tax-advantaged accounts to help reduce your tax bill.

Protect your estate An estate plan may seem like something only for the wealthy, but there are simple steps everyone should take, especially after a year we just went through. Without proper beneficiary designations, a will and other basic steps, the fate of your estate or minor children may be decided by attorneys, probate courts and tax agencies. Make sure to review your beneficiaries, especially for retirement accounts, annuities and life insurance.

The beneficiary designation is your first line of defense. Therefore, keep information on beneficiaries up-to-date to ensure the proceeds of life insurance policies and retirement accounts are consistent with your wishes, your will and other documents. Update or prepare your will, and remember that a will isn’t just about transferring assets. It can provide for your dependents’ support and care, and help you avoid the costs and delays associated with dying without one (intestate).

When writing a will, we recommend working with an experienced lawyer or estate planning attorney. Keep in mind, your beneficiary designation trumps what’s written in a will so be sure all your wishes are aligned.

If your estate is large and complex and you want to spell out how your estate should be used in detail, consider a revocable living trust. The cost for a revocable living trust is typically more expensive. Therefore, it is highly recommended to talk with a qualified estate planning attorney to see which estate plan makes the most sense for you.

Next, have in place durable powers of attorney for health care or patient advocate assignments. In these documents, appoint trusted and competent individuals to make decisions on your behalf if you become incapacitated. Make sure they understand your medical wishes. Lastly, take care of important estate documents. Make sure a trusted and competent family member or close friend knows the location of your important estate documents. You may even want to consider uploading your estate documents in a digital format for easier access.

Remember you don’t have to do everything at once. There’s a lot you can do to improve your financial health. Take one step at a time and constantly make small improvements throughout 2021.

MIKE BUDER At the end of every December, people make all kinds of resolutions for the coming year. Typically, these are things that they want to improve about themselves, ways to make their day to day personal or work life better, or ideas to put them on track for a change. Many times these surface as a result of mistakes made in the past 12 months. However, when it comes to real estate, resolutions don’t necessarily apply as it’s unlikely that you do a real estate transaction each year. Furthermore, you can’t actually resolve to buy your neighbor’s house or sell your $100,000 home for $300,000. Well, you could, but you’d probably be setting yourself up for disappointment right from the start.

Some things are simply out of a would-be seller’s control. But as a would-be seller, you can learn from and make resolutions based on those who have gone before you. Example, I am sure there are current sellers who are resolved to take the next buyer that makes an offer under their asking price a little bit more seriously. If you plan to sell your home in the near future, here are some helpful resolutions that your might consider…RESLOVE to think of your home as a product. Start cleaning out old stuff now. If there are things deep in your closets that you don’t think you’ll use between January and the time you intend to move, consider a storage locker or making space in the garage. Does your real estate agent suggest that the base-

ment needs a paint job? Get some painting bids now. Have you always hated how the bathroom vanity takes up so much space? Consider changing it now so buyers will perceive your bathroom as bigger.

This will also help you spread out the costs of home repairs and changes over several months. RESLOVE to understand your timing and exit strategy. One of the biggest stresses on a seller is trying to plan a purchase and sale at the same time.

Can you afford to close on the new home before selling? If so, for how long? Do you need to sell the property first? If so, will the potential sale price support a home purchase in the neighborhood you want to be in? If not, what other areas should you be looking in? Selling and buying at the same time brings up all kinds of financial, emotional and physical stress. It’s a lot to think about and plan for, engaging a good Realtor now will help you to have a strategy in place well before you have to take action. Happy New Year, may God bless you and your family in 2021.

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

Heart Smart RICHARD ZEKVELD 2020 confronted us with our frailty.

This pandemic underscored our mortality and brought the world’s largest economy to its knees. With our advanced science and technology, we could not stop a tiny pathogen from multiplying and spreading.

In addition, the killing of George Floyd and the unrest that followed highlighted collective brokenness and division.

These realities impacted our daily lives.

Some lost loved ones. Others lost jobs and businesses. Educators, students, and parents struggled with e-learning.

Relationships suffered. Isolation heightened loneliness, mental illness, addiction, abuse.

Moses once wrote, “The length of our days is seventy years – or eighty, if we have the strength; yet their span is but trouble and sorrow, for they quickly pass, and we fly away… Teach us to number our days aright, that we may gain a heart of wisdom” (Psalm 90:10,12, NIV84).

But 2020 has also produced resilience, kindness and sacrifice. Frontline workers

rose to the moment. They went above and beyond. Millions engaged in acts of kindness. These stories will roll out in 2021.

They call to mind the last lines in Moses’ prayer: “May the favor of the Lord our God rest upon us: establish the work of our hands for us – yes, establish the work of our hands” (Psalm 90:17, NIV 84). We never know how God might use our dayto-day acts of faithfulness and love to do his great work in times of trouble.

Finally, Moses began his prayer this way: “Lord, you have been our dwelling place throughout all generations. Before the mountains were born or you brought forth the earth and the world, from everlasting to everlasting you are God” (Psalm 90:1-2, NIV 84). All who receive and rest in Christ also rest secure in God as their dwelling-place in troubled times.

Richard Zekveld Pastor, Covenant Fellowship Church cfcsh.org

Say I saw it in The Shopper

December 30, 2020

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Tips to Properly Dispose of Fats, Oils and Grease With the holidays here, Indiana American Water is reminding customers not to invite FOG (Fats, Oils, and Grease) clogs to your gatherings. Along with turkey, gravy, and all the trimmings come fats, oils, and grease that, if poured down the drain, can adhere to the insides of pipes, causing clogs that lead to sewer overflows and backups.

Neither dishwashing detergents nor garbage disposals can properly break down these materials, which build up over time.

This buildup of grease can restrict the flow of wastewater, or worse yet, block the homeowners’ or utility’s sewer pipes.

“As many of us are celebrating with family and friends this holiday season and spending more time in the kitchen over the next several weeks, we encourage our customers to be very careful about what they are putting down their drains,” said Indiana American Water President Matt Prine. “FOG can cause costly backups in home drain and sewer systems and also adversely affect the environment if the overflow enters rivers, lakes, and streams.”

The good news is that blockages caused by grease are preventable. Customers can reduce blockages by properly disposing of FOG

Financial Advice Column

Time for New Year’s Financial Resolutions

and not washing it down the drain. Defend your drains and prevent FOG clogs by following these simple tips: Never pour grease into sinks, toilets, or down drains.

Allow the grease to cool and use a rubber scraper to remove the fat, oil, and grease from cookware, plates, utensils, and cooking surfaces. Then place the grease in a sealed container and dispose of it in the trash.

Install baskets/strainers in the sink drain to catch food scraps and empty them into the garbage.

Please keep in mind that garbage disposals do not prevent grease from washing down the drain. Also, detergents that claim to dissolve grease may pass it down the line and cause problems in other parts of the wastewater system.

Finally, the holidays typically mean more guests in the home and trips to the bathroom. Flushing baby wipes (even those that are labeled flushable or biodegradable) and paper towels down the toilet has become an issue in some areas. Wipes should be tossed in the trash.

SUBMITTED BY PATRICK ZAMKIN Many of us probably felt that 2020 lasted a very long time. But now that 2021 is upon us, we can make a fresh start – and one way to do that is to make some New Year’s resolutions. Of course, you can make these resolutions for all parts of your life – physical, emotional, intellectual – but have you ever considered some financial resolutions?

Here are a few such resolutions to consider: Don’t overreact to events.When the coronavirus pandemic hit in mid-February, the financial markets took a big hit.

Many people, convinced that we were in for a prolonged slump, decided to take a “time out” and headed to the investment sidelines. But it didn’t take long for the markets to rally, rewarding those patient investors who stayed the course. Nothing is a certainty in the investment world, but the events of 2020 followed a familiar historical pattern: major crisis followed by market drop followed by strong recovery.

The lesson for investors? Don’t overreact to today’s news – because tomorrow may look quite different.

Be prepared. At the beginning of 2020, nobody was anticipating a worldwide pandemic and its terrible consequences, both to individuals’ health and to their economic well-being. None of us can foretell the future, either, but we can be prepared, and one way to do so is by building an emergency fund. Ideally, such a fund should be kept in liquid, low-risk vehicles and contain at least six months’ worth of living expenses.

Focus on moves you can control. In response to pandemic-related economic pressures, some employers cut their matching contributions to 401(k) plans in 2020. Will some future event cause another

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such reduction? No one knows – and even if it happens, there’s probably nothing you can do about it. Instead of worrying about things you can’t control, focus on those you can. When it comes to your 401(k) or similar employer-sponsored retirement plan, put in as much as you can afford this year, and if your salary goes up, increase your contribution.

Recognize your ability to build savings. During the pandemic, the personal savings rate shot up, hitting a record of 33% in April, according to the U.S. Bureau of Economy Analysis. It fell over the next several months, but still remained about twice as high as the rate of the past few years. Of course, much of this surge in Americans’ proclivity to save money was due to our lack of options for spending it, as the coronavirus caused either complete or partial shutdowns in physical retail establishments, as well as dining and entertainment venues. But if you did manage to boost your own personal savings when your spending was constrained, is it possible to remain a good saver when restrictions are lifted? Probably. And the greater your savings, the greater your financial freedoms – including the freedom to invest and freedom from excessive debt.

When we reach a post-pandemic world, see if you can continue saving more than you did in previous years – and use your savings wisely.

These aren’t the only financial resolutions you can make – but following them may help you develop habits that could benefit you in 2021 and beyond.

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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Say I saw it in The Shopper

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RIDGEBACK SCHNAUZER TERRIER WHIPPET WOLFHOUND

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BASSET BASSET HOUND HOUND BEAGLE BEAGLE BEAUCERON BEAUCERON BORDER COLLIE COLLIE BORDER BOSTON TERRIER TERRIER BOSTON CHIHUAHUA COCKER SPANIEL DALMATIAN

To do or engage in something risky that could result in the loss of one’s own life. It’s also the acceptance of the consequences of one’s own actions. There’s no one to blame for it but one’s own self.

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

Say I saw it in The Shopper

December 30, 2020

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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

the same identification for sales held at other county venues where The Judicial Sales Corporation conducts foreclosure sales.

COUNTY DEPARTMENT - CHANCERY DIVISION

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.

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

DEUTSCHE BANK TRUST COMPANY AMERICAS, AS TRUSTEE FOR RESIDENTIAL ACCREDIT LOANS, INC., MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES, SERIES 2006-QS18

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

Plaintiff, -v.-

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.

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

WILLIE MAE HOSKIN MITCHELL, JAMES C. MITCHELL

CODILIS & ASSOCIATES, P.C.

Defendants 2020CH03284

15W030 NORTH FRONTAGE ROAD, SUITE 100

14835 LANGLEY AVENUE

BURR RIDGE IL, 60527

DOLTON, IL 60419

630-794-5300

NOTICE OF SALE

E-Mail: pleadings@il.cslegal.com

PUBLIC NOTICE IS HEREBY GIVEN that pursuant to a Judgment of Foreclosure and Sale entered in the above cause on November 18, 2020, an agent for The Judicial Sales Corporation, will at 10:30 AM on January 14, 2021, at The Judicial Sales Corporation, One South Wacker Drive, CHICAGO, IL, 60606, sell at a public sale to the highest bidder, as set forth below, the following described real estate:

Attorney File No. 14-20-02380

Commonly known as 14835 LANGLEY AVENUE, DOLTON, IL 60419

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.

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).

Attorney ARDC No. 00468002 Attorney Code. 21762 Case Number: 2020CH03284

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.

TJSC#: 40-2448

Property Index No.29-10-224-048-0000 The real estate is improved with a residence.

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.

Case # 2020CH03284

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.

I3161102 ...

IN THE CIRCUIT COURT OF COOK COUNTY, ILLINOIS

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

COUNTY DEPARTMENT - CHANCERY DIVISION NEWREZ LLC D/B/A SHELLPOINT MORTGAGE SERVICING

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

Plaintiff, -v.ROBERT A. EVANS, KELLY L. EVANS

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

Defendants

CODILIS & ASSOCIATES, P.C.

2019CH12220

15W030 NORTH FRONTAGE ROAD, SUITE 100

1313 GORDON AVE

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.

BURR RIDGE IL, 60527

CALUMET CITY, IL 60409

630-794-5300

NOTICE OF 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

E-Mail: pleadings@il.cslegal.com

PUBLIC NOTICE IS HEREBY GIVEN that pursuant to a Judgment of Foreclosure and Sale entered in the above cause on February 19, 2020, an agent for The Judicial Sales Corporation, will at 10:30 AM on January 26, 2021, at The Judicial Sales Corporation, One South Wacker Drive, CHICAGO, IL, 60606, sell at a public sale to the highest bidder, as set forth below, the following described real estate:

Attorney File No. 14-19-09805 Attorney ARDC No. 00468002 Attorney Code. 21762 Case Number: 2019CH12220 TJSC#: 40-2463

Commonly known as 1313 GORDON AVE, CALUMET CITY, IL 60409

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.

Property Index No. 30-20-110-004-0000 The real estate is improved with a single family residence.

Sale terms: 25% down of the highest bid by certified funds at the close of the sale payable to The Judicial Sales Corporation. No third party checks will be accepted. The balance, including the Judicial Sale fee for the Abandoned Residential Property Municipality Relief Fund, which is calculated on residential real estate at the rate of $1 for each $1,000 or fraction thereof of the amount paid by the purchaser not to exceed $300, in certified funds/or wire transfer, is due within twenty-four (24) hours. No fee shall be paid by the mortgagee acquiring the residential

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Case # 2019CH12220 I3161327 *** IN THE CIRCUIT COURT OF COOK COUNTY, ILLINOIS COUNTY DEPARTMENT - CHANCERY DIVISION DEUTSCHE BANK NATIONAL TRUST

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708-895-2630 219-972-2630

Notice is hereby given, pursuant to “An Act in relation to the use of an Assumed Business Name in the conduct or transaction

Promote Your Event!

of Business in the State,” as amended, that a certification was registered by the undersigned with the County Clerk of Cook

County. Registration Number: Y20005423 on DECEMBER 10,

EMAIL general@myshopper.biz

2020 under the assumed business name of CONTAIN YOUR SPACE HOME ORGANIZING SERVICE with the business

located at 2940 189TH PLACE, LANSING, IL 60438. The true and

TAMMIE HALTOM, 2940 189TH PLACE LANSING, IL 60438, USA

Notice is hereby given that the undersigned will sell, to satisfy lien of the owner, according to (770 ILCS 95/) Self-Service Storage Facility Act I at public sale by competitive bidding on www.storagetreasures.com ending on January 6, 2021,10:00 am or after for units located at: Compass Self Storage, 2556 Bernice Rd., Lansing, IL 60438 The personal goods stored therein by the following may include, but are not limited to general household, furniture, boxes clothes and appliances. Purchases must be made with cash only and paid at the time of sale. All goods are sold as is and must be removed at the time of purchase.

Compass Self Storage reserves the right to refuse any bid. Sale is subject to adjournment.

A1049 A1064 B1029 B1071

Kenneth Berryhill Arneada King James Schnaedter Randall Garrett

BARBARA J. TILLER A/K/A CHLOE REMSON, CORPORATE AMERICA FAMILY CREDIT UNION, CAVALRY PORTFOLIO SERVICES, LLC, UNKNOWN HEIRS AND LEGATEES OF ANTHONY J. TILLER, UNKNOWN OWNERS AND NONRECORD CLAIMANTS, RUANN TILLER, JILLIAN TILLER, CARY ROSENTHAL, AS SPECIAL REPRESENTATIVE FOR ANTHONY J. TILLER (DECEASED), VILLAGE OF HOMEWOOD

Unit #

Tenant Name

Unit # Tenant Name

B1084 B1145 B1219 B1262

Jaymes Tibbs Joyce Abreu Nikotech Company Michael Kabala

B1311 B1400 B1456

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

Defendants

CODILIS & ASSOCIATES, P.C.

2019CH12186

15W030 NORTH FRONTAGE ROAD, SUITE 100

1828 IDLEWILD LANE HOMEWOOD, IL 60430 NOTICE OF SALE PUBLIC NOTICE IS HEREBY GIVEN that pursuant to a Judgment of Foreclosure and Sale entered in the above cause on October 29, 2020, an agent for The Judicial Sales Corporation, will at 10:30 AM on February 2, 2021, at The Judicial Sales Corporation, One South Wacker Drive, CHICAGO, IL, 60606, sell at a public sale to the highest bidder, as set forth below, the following described real estate: Commonly known as 1828 IDLEWILD LANE, HOMEWOOD, IL 60430 Property Index No. 32-06-402-043-0000 The real estate is improved with a single family residence.

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

BURR RIDGE IL, 60527 630-794-5300 E-Mail: pleadings@il.cslegal.com Attorney File No. 14-19-09475 Attorney ARDC No. 00468002 Attorney Code. 21762 Case Number: 2019CH12186 TJSC#: 40-2388 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 # 2019CH12186 I3161805 ...

IN THE CIRCUIT COURT OF COOK COUNTY, ILLINOIS COUNTY DEPARTMENT - CHANCERY DIVISION DEUTSCHE BANK TRUST COMPANY AMERICAS AS TRUSTEE FOR SAXON ASSET SECURITIES TRUST 2000-4, MORTGAGE LOAN ASSET BACKED CERTIFICATES, SERIES 2000-4

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.

Plaintiff,

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

-v.-

THE JUDICIAL SALES CORPORATION

MARCEL CLAY, CITY OF CHICAGO, UNKNOWN HEIRS AND LEGATEES OF MAXINE CLAY, UNKNOWN OWNERS AND NONRECORD CLAIMANTS, JULIE FOX, AS SPECIAL REPRESENTATIVE FOR MAXINE CLAY (DECEASED)

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.

Defendants

CODILIS & ASSOCIATES, P.C.

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.

2019CH10072

15W030 NORTH FRONTAGE ROAD, SUITE 100

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

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

NOTICE OF SALE

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.

Commonly known as 223 E. 134TH STREET, CHICAGO, IL 60827

You will need a photo identification issued by a government agency (driver’s license, passport,

Sale terms: 25% down of the highest bid by certified funds at the close of the sale payable to

APPLIANCE REPAIR HEATING & APPLIANCE REPAIR MAN #1 Priority is Servicing your Heating, Refrig., Washer, Dryer, Stove.

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PUBLIC NOTICE IS HEREBY GIVEN that pursuant to a Judgment of Foreclosure and Sale entered in the above cause on October 30, 2020, an agent for The Judicial Sales Corporation, will at 10:30 AM on February 2, 2021, at The Judicial Sales Corporation, One South Wacker Drive, CHICAGO, IL, 60606, sell at a public sale to the highest bidder, as set forth below, the following described real estate:

Property Index No. 25-34-300-006-0000 The real estate is improved with a single family residence.

Michael Ingram Michael Kabala Instant Freight Logistics LLC

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THE GUTTER GUY

Notice of Public Sale

Tenant Name

-v.-

Deadline is 4 PM Friday for Thursday’s Paper

real full name(s) and residence address of the owner(s)/partner(s) is

Unit #

Plaintiff,

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.

BURR RIDGE IL, 60527 630-794-5300 E-Mail: pleadings@il.cslegal.com Attorney File No. 14-19-07641 Attorney ARDC No. 00468002 Attorney Code. 21762 Case Number: 2019CH10072 TJSC#: 40-2395 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 # 2019CH10072 I3161803

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COMPANY, AS TRUSTEE FOR AMERIQUEST MORTGAGE SECURITIES INC., QUEST TRUST 2004-X3, ASSET BACKED CERTIFICATES, SERIES 2004-X3

CONSTRUCTION

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10

December 30, 2020

Say I saw it in The Shopper

Real Estate Specialists

Real Estate Questions & Answers CATHY & JIM HIGGINS Question: If I sell my primary residence for a profit of less than $250,000, do I have to pay taxes on the profit if I do not buy another home but rent instead? I have heard about the $250,000 exemption.

Answer: You won’t pay tax on the sale of your home unless you have gains that are more than $250,000 if you’re single, or more than $500,000 if you’re married and file jointly. The IRS provides a home sales exclusion that allows taxpayers to realize some significant gains on the sale of their primary residences, subject to several qualifying rules.

You used to get a one-time option of excluding up to $125,000 in capital gains on the sale of your home, as long as it was your primary residence and you’d reached the age of 55. That changed with the Taxpayer Relief Act of 1997.

The TRA provides that anyone, regardless of their age, can exclude up to $250,000 of gains on the sale of a home— and a married couple filing jointly can exclude up to $500,000.

That means most people will pay no tax on the sale of their home unless they have lived there for less than two out of the last five years.

You must meet the following IRS re-

BROUWER

A funeral service for Anna M. Brouwer, nee Vroom, was held Monday, December 28, 2020 at Smits Funeral Home in Dyer, IN with Rev. Mark Prestriedge officiating. Mrs. Brouwer was born April 24, 1931 and passed away December 21, 2020. Wife of the late Harold R. Brouwer.

Mother of Kathie (Fred) Postma, Sharon (Albert) Van Wieren, Beverly (Robert) Feikens, Brenda (Edward) Wenerski, and Ann (the late Daniel) DeBoer. Grandmother of 11. Great-grandmother of 21. Sister of George (Connie) Vroom. Interment Oak Ridge Cemetery – Lansing, IL. Arrangements entrusted to Smits Funeral Home – Dyer, IN.

OLTHOFF

A funeral service for Donald J. Olthoff was held Tuesday, December 29, 2020 at Smits Funeral Home in Dyer, IN with Rev. Randy Knoll officiating. Mr. Olthoff was born April 15, 1933 and passed away December 12, 2020. Husband of Janet Olthoff, nee Kerkstra. Father of Valerie (Richard) Knoll and Daniel (Carol) Olthoff.

Grandfather of four; greatgrandfather of ten. Brother of Dorothy (late Calvin) Hoekstra, late Willard (Charlotte) Olthoff, late Ralph (late Jean) Olthoff, and the late Bernard (late Shirley) Olthoff. Interment Oak Ridge Cemetery – Lansing, IL. Arrangements entrusted to Smits Funeral Home – Dyer, IN

BRASSEA

A memorial service for Jeffery A. Brassea was held Saturday, December 26, 2020 at Spirit of God Fellowship in South Holland, IL with Pastor Brian Kamstra officiating. Mr. Brassea was born October 8, 1961 and passed away December 19, 2020. Husband of Adele Brassea, nee Rush. Father of Cari (Steve) Koleno, Nicole

quirements to qualify for the capital gain tax exclusion on your home sale:3 The ownership test: You owned the home for at least two of the last five years.

The residency test: You lived in the home as your main residence for at least two of the last five years.

The home must be your primary residence, not a secondary or vacation home.

These rules specifically prohibit you from claiming the home sales exclusion more than once in any two-year period.

Your ownership period and residency period don’t have to be concurrent. You could rent the home and live there for two years, then purchase it and own it for the remaining three years while living elsewhere. You can use this capital gain exclusion to avoid tax on a home sale over and over provided that you meet these rules E-mail us your Real Estate questions at Cathyah@aol.com. Thinking of selling your home? Call Cathy & Jim Higgins, Licensed Broker/Realtors in Indiana & Illinois. IN: 219-865-4361 IL: 708-828-3304. McColly Real Estate. Website: www.Cathyhiggins. com. Personal Real Estate Journal: www.

Higginshousechat.blogspot.com

(Kevin) Novotny, Hannah, Jeffery, Noah, Luke, Isabella, Victoria, Elisabeth, Lynnea, and Levi Brassea. Grandfather of three. Brother of Paul (Diane) Brassea, Susan (Marsh) Linnander, and Beth (Jim) Davis. Son of Leatrice and the late Anthony Brassea. Arrangements entrusted to Smits Funeral Home – Dyer, IN

RULE

A funeral service for Carol S. Rule, nee Imamura, was held Sunday, December 27, 2020 at Smits Funeral Home in Dyer, IN with Pastor Maxine Washington officiating.

Mrs. Rule was born April 10, 1951 and passed away December 20, 2020. Mother of Herold (Jennifer) Rule and David (Karen) Rule.

Grandmother of four; greatgrandmother of one. Sister of JoAnn (Roland) Lore.

Preceded in death by her parents Tsutomu and Lillie Imamura. Arrangements entrusted to Smits Funeral Home – Dyer, IN

BOINSKI

A funeral mass for Stephen R. Boinski was held Tuesday, December 29, 2020 at St. Maria Goretti Catholic Church in Dyer, IN with Rev. Charles Niblick officiating.

Mr. Boinski was born September 25, 1928 and passed away December 22, 2020.

Husband of the late Darlene Boinski, nee Schultz. Father of Andrea (Michael) Pollack, Steven Boinski, and Michael Boinski. Grandfather of four grandchildren and one late grandchild; great-grandfather of eight. Brother of the late Sally (late Ted) Retkowski. Preceded in death by his parents Frank and Cecelia Boinski. Arrangements entrusted to Smits Funeral Home – Dyer, IN

MANAOIS

A prayer service for Virginia A. Manaois, nee Labayen, was held Wednesday,

December 30, 2020 at Smits Funeral Home in Dyer, IN with Deacon Jim Renwick officiating. Mrs. Manaois was born August 17, 1930 and passed away December 22, 2020. Wife of the late Raymond P. Manaois.

Mother of Selma (Steve) Martin, Jane (Edward) Martinez, Roger (Phyllis) Manaois, and Richard (Sally) Manaois. Grandmother of 13; great-grandmother of 30; great-great-grandmother of 3. Sister of Vince Labayen, Frank (Nancy) Labayen, Henry (Laura) Labayen, William (Ginny) Labayen, the late Charlie Labayen, and the late Maryann Karp.

Preceded in death by her parents Vincent and Annette Labayen. Interment Assumption Cemetery - Glenwood, IL. Arrangements entrusted to Smits Funeral Home – Dyer, IN

DEYOUNG

A funeral service for Tammy Renee DeYoung, nee Casey, was held Wednesday, December 30, 2020 at Smits Funeral Home in Dyer, IN. Mrs. DeYoung was born October 18, 1959 and passed away December 25, 2020. Wife of John DeYoung. Mother of Kyle (Carolyn) DeYoung and Devin (Samantha) DeYoung.

Grandmother of five. Sister of Gregory (late Donna) Casey. Preceded in death by her parents Bobby and Patricia Casey. Arrangements entrusted to Smits Funeral Home – Dyer, IN

Say I saw it in The Shopper

December 30, 2020

page

Classifieds

Submit your classified ad online at myshopper.biz or email general@myshopper.biz 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 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.) 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 708-288-5038.

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 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.

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 219-865-2345

Find your next home in The Shopper!

Wanted

Notices

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

If you or a loved one were diagnosed with OVARIAN CANCER or MESOTHELIOMA after use of TALCUM products such as BABY POWDER or SHOWER TO SHOWER, you may be entitled to compensation. Contact Charles H. Johnson 1-800-535-5727

For Sale 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 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 2003 KIA RIO for sale for $2500 or b/o. Low mileage 70, 473 and good running condition. Clean and ideal for a high school or college student. Call 708-243-7530.

SOLID OAK TABLE AND BUFFET six chairs included, cost $475.00 for both. Cash and carry. Please call leave message (312) 730-0749

Keep the cold outside and the warm inside.

Garage Sales LYNWOOD ESTATE SALE 3057 201st Place, 12/4 9-3 12/5 10-2 Furn., household, appliances, aquariums, mens clothing and much more.

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” 14 sets clear heavy duty icicle lights new&used, 5 candle lights & 6 sets 100 mini lights W/hooks.

708-474-9495 Wrought Iron Porch Railings repaired for HALF THE PRICE OF NEW. Free Estimates. Senior and Veteran Discounts. AllAmerican Ironworks.

219-712-6600

11

Don’t get caught by the cold weather— Call us for a furnace check!

We install & service:

• Utility Rebates • Financing Available

• Healthy Climate • Respicaire • Lennox PureAir • Aprilaire • And More!

Van Drunen Heating

Serving our Community for Over 50 Years

Help Wanted PART TIME: GENERAL LABORER. Cash daily.

Hammond / South Holland area. Transportation provided. Inside working conditions with one other person. Call 8-10 a.m.

708-799-2363 CRESTWOOD AND GLENWOOD ADULT DAYCARE Needs nurses, drivers and program aids.

Please visit AFADC.com or call Mike at 708-755-2345

Real Estate FOR SALE: Large Family Home. Best home in Lansing: 5 beds, 2 baths, private parking, appliances included, domestic staff quarters in home. Call Robert after 5pm at 708-474-6033 LANSING, IL, 2BDRM., 1bath, 1st flr. Seniors welcome. 17710 S. Commercial Street. Includes free heat, gas, appl., A/C. Private prkg. 1 mon. + sec.

Avail/ immediately. $985.

Call Larry 312-405-0647 384 GREENBAY AVE. Calumet City, IL. 2 bedroom; 1bath for rent for $800/ month. 1 month rent/1 month security to move in.

No section 8. Please call/text 773-633-7837.

SMALLER TWO BEDROOM HOME. South Holland. $1,050 plus security. Redone, appliances, large living room, quiet area, big deck with nature views.

Application fee. No Section 8.

Outside parking.

708-268-7075 APT FOR RENT CALUMET CITY 2 bedrooms plus sunroom heat and water furnished 1st floor $750 per month 1.5-month security deposit credit check required. 618-559-5655 CALUMET CITY 2 bedroom apt 2dn floor all electric $900 a month plus move out fee sorry no pets located 121 167th steer off wentworth ave for information call Marge manager 708-8682590

Read The Shopper online! Go to ISSUU. com/MyShopper

Authorized Dealer

708-339-6444 www.vandrunenheating.com

Hessville Overstock

NEW ITEMS FROM YOUR FAVORITE BIG BOX STORES! • Home • Décor • Bedding • Jewelry • Furniture • Beauty • Small Appliances • Kids Toys • Seasonal Items • Vacuums Two stores with thousands of items!

Hours 10am-4pm Mon-Sat

Hessville Overstock

OFFER EXPIRES 2/28/2021

Bring in this ad for

10% OFF ANY ONE ITEM

Limit one coupon per customer.

7107 KENNEDY AVE, HAMMOND, IN 312-560-1304

“Give the gift that keeps on giving.”

Furnace Sale

0% APR for 72 Months*

PLUS Additional Utility Rebates Available

See how we compare at

CHECKBOOK.ORG Independent • Nonprofit

IL 708-251-4085 IN 219-801-7485

24 HOUR EMERGENCY SERVICE SALES • SERVICE • INSTALLATIONS

$20 Off Precision FURNACE TUNE-UP

Excludes any other discounts.

Cannot be combined with any other offer.

Not valid on parts. Offer Expires 02/15/21

*The Wells Fargo Home Projects credit card is issued by Wells Fargo Bank N.A., an Equal Housing Lender. Special terms apply to qualifying purchases charged with approved credit. The special terms APR will continue to apply until all qualifying purchases are paid in full. The monthly payment for this purchase will be the amount that will pay for the purchase in full in equal payments during the promotional (special terms) period. The APR for Purchases will apply to certain fees such as a late payment fee or if you use the card for other transactions. For new accounts, the APR for Purchases is 28.99%. If you are charged interest in any billing cycle, the minimum interest charge will be $1.00. This information is accurate as of 8/1/2018 and is subject to change. For current information, call us at 1-800-431-5921.

Visit SOUTHSUBURBANHEATING.COM for additional exclusive offers.

page 12 12 page

December 30, 2020 9, 2020

Say II saw saw itit in in The The Shopper Shopper Say

ILLINOIS BUSINESS INTERRUPTION GRANT PROGRAM (BIG) Historic recovery program created by Governor JB Pritzker as part of the statewide COVID-19 emergency response Recognizes enormous burden seen by businesses across Illinois as a result of COVID-19 and civil unrest Rapid relief for businesses hit hardest by COVID-19 closures, including minority-owned businesses Support reopening of small businesses and the Illinois economy Check the DCEO website for application, eligibility, and other information www.illinois.gov/DCEO FOLLOW US:

BIG ROUND TWO $200 million available foir all types of small businesses

BIG FUNDING

Tailored grants ranging from $5,000-$150,000 for small businesses, based on business losses

Help businesses offset: REVENUE LOSSES

PAYROLL COSTS

RENT

Priority for businesses downstate, in economically distresses communities, and those which remain closed or are operating at severely diminished capacity

UTILITIES

OTHER WORKING CAPITAL

Additional ongoing BIG grants for childcare provider businesses via IDHS

BIG PROGRAMA DE SUBVENCION PARA LAS INTERRUPCION DE NEGOCIOS DE ILLINOIS Programa historico de la recuperacion fue creado por el Governador JB Pritzker por como parte de la respuesta de emergencia estatal del COVID-19

Reconoce la enorme carga visto por las empesadas a través del estado se Illinois como resultando del COVID -19 y el malestar civil Allvio rapido para las empresas mas afectadas por su clausura, cuales daños fueron causados por COVID-19, incluo negocios donde los proprietarios son minoridades Apoyar el alivio por las empresas mas afectadas y la enomia de Illinois Revise la website do DCEO para saber le eligibilidad de su aplicacion y informacion en www.illinois.gov/DCEO SIGANOS EN:

BIG RONDA 2 $200 milliones disponibles para todo tipo de negocios chicos

BIG FINACIMIENTO

Subvencion a medida de $5,000 - $150,000 para negocios chicos basados en sus perdidas

Ayuda para compensar a los negocios: PERDIDOS DE INGRESOS RENTA

COSTOS DE NÓMINA

UTILIDADES

CAPITAL DEL EXPLOTACIO

Prioridad para neocios en los estados abajo, en comunidades mas afiligidas y a los que permanecen cerrados o estan operando a una capacidad disminuida Apoyo adicional BIG de subvencion para los provedores de cuidado de niños y negocios via IDHS

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Comuniques con nosotros SHBA.org South Holland Business Association Blevian Moore • Info@shba.org • 708-596-0065