NASA invests in U of I doctoral student’s grassland research
By HANNAH SPANGLER - FarmWeek
A University of Illinois doctoral candidate received a $150,000 investment from NASA to create a detailed grassland map using remote sensing.
Wendy Dorman, the recipient of the prestigious threeyear research grant, plans to map grassland habitats across Illinois — where 99% of the prairies have vanished. Her goals include finding out which habitat features are most important for endangered birds to maximize best practices to protect them in the small amount of grassland available.
“I’ve been really frustrated by the lack of available data to use when trying to understand what’s happening to birds,” Dorman said, adding that current research is not at the level needed for making management decisions and conducting effective modeling.
Dorman will use remote sensing, which involves using satellite imagery to collect information, to produce a high-quality map of the cold and warm season grasses in grasslands across the state.
She believes this will help provide targeted support to individual bird species based on their survival needs.
“It’s important for conservation and for management and wildlife or other environmental reasons that we have a good idea of where grasslands are and what their qualities are,” said Mike Ward, U of I professor in the Department of Natural Resources and Environmental Sciences (NRES).
The research can also benefit farmers enrolling in conservation programs and help enhance habitats for birds like quail and pheasants, Ward explained. The detailed
maps can show where to place grasslands to maximize agricultural and new environmental benefits.
Ward told FarmWeek that the use of remote sensing in grasslands is a lot like the use of precision technology in agriculture. They are working with small amounts of grassland and using technology to optimize conservation practices.
“A strategic placement of habitat can go a long way,” he said. “Right now, it’s kind of overwhelming to have so much information and so much data. But as we go on, all this information will keep on coming in and we’ll be able to do a better job of managing our resources.”
Research has already started on a small scale, and Dorman and her team are preparing to ramp things up. This semester, she will work with students from natural resources and environmental sciences, computer science and physics to bring together the different disciplines needed for the project.
She hopes to have preliminary results around March or April before moving into fieldwork throughout the spring and summer. The fieldwork will help compare satellite data with real-life observations.
“You need to actually physically go into the field and see what is on the ground,” Dorman said. “We don’t just trust the models that we produce, we compare them against what’s actually in the field.”
This story was distributed through a cooperative project between Illinois Farm Bureau and the Illinois Press Association. For more food and farming news, visit FarmWeekNow.com.
Easy, Fun and Good for the EnvironmentHow to make every day recycling day
Family Features
With so many mixed messages, recycling can feel confusing, but the truth is simpler than you might think. Recycling isn’t just for today - it’s a year-round commitment to a healthier planet.
In honor of National Recycling Day, consider these facts about recycling from the experts and tips to make a difference.
Recycling Is Real Americans recycle more than 6 billion pounds of plastic every year. Among the plastics recycled, polyethylene terephthalate (PET) remains a responsible material choice. PET is the world’s most recycled plastic, with more than 1.8 billion pounds of PET bottles and containers recovered in the U.S. annually. Since PET bottles can be made from 100% post-consumer recycled content, each recycled bottle contributes to a circular economy where materials are continuously reused
instead of wasted.
Recycling PET Plastic is Better for the Environment
Countless others from academics, researchers and industry experts show plastics, such as PET specifically, often have a lower environmental impact. In fact, glass bottles produce three times the greenhouse gas emissions compared to PET bottles, and making an aluminum can produces twice the emissions, according to Life Cycle Assessment studies. Producing PET also uses less energy and water and lowers acid rain and smog potential. Using and recycling PET is a more responsible, more ecofriendly choice than banning plastic outright.
Recycling Saves Energy
Recycling PET bottles requires less energy than producing new glass bottles or aluminum cans. Every PET bottle you recycle helps conserve resources and supports a more responsible production cycle.
Not All Plastics are Created Equal PET is a superstar among plastics because it can be recycled repeatedly without losing strength or quality. It’s also an inexpensive, lightweight and shatterresistant package that preserves and protects the food and medicine people place in their bodies.
Recycling Can be Easy
Recycling services can be accessible, with many communities across the U.S. offering easy ways to recycle. Today more than 73% of all U.S. households have access
to recycling, according to The Recycling Partnership. By staying informed, choosing packaging that’s easily recyclable and recycling consistently, you can help build a more sustainable future every day. Visit recyclecheck.org to find out where you can recycle in your community.
5 Recycling Tips
1. Know your plastics. Look for the No. 1 recycling symbol - inside three arrows forming a triangular shape - to identify polyethylene terephthalate (PET), helping ensure your recycling efforts are impactful.
2. Recycle PET plastic packaging over bans. Choose products packaged in PET bottles where possible, as recycling PET reduces reliance on resource-heavy materials and greenhouse gas emissions.
3. See recycling as energy conservation. PET bottle recycling uses significantly less energy compared to producing new glass bottles or aluminum cans.
4. Think of recycling as an investment. Every PET container you recycle contributes to a circular economy and more sustainable world.
5. Get involved within your community. Connect with local recycling programs and stay updated on your area’s recycling guidelines by visiting recyclecheck.org.
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Chicago Queen Pin Gambles All Amid City Torn by Conflict in Exhilarating New Book, EmpressCreed
From Chicago’s South Side to New York’s legendary Cotton Club, author Tarris Marie immerses readers in the contrasting cultural realities of 1930s America in her new book, Empress Creed. While the era was largely defined by the economic hardship of the Great Depression, it was also the golden age of artistic expression in the African American community, and it’s between these two worlds where Tarris Marie’s latest anti-heroine resides.
“Empress Creed is a women’s crime love story set in the urban Midwest during the Great Depression,” Tarris Marie writes in the book. “But the message I want to convey is that you are a royal descendant of God, born free and worthy to reign in this world no matter who you are or where you came from. Never forget it.”
“Caged but free,” Dulce Ella Monroe was raised by a blues singer, a prostitute and a pimp, and yet, she wanted to believe she was worthy enough to possess the sovereignty of an Empress.
Fast forward a decade, and Empress reigns as Chicago’s cunning Queen Pin, yet the sultry Dulce Ella Monroe still deep
inside her longs for freedom from the oppression her criminal empire provides.
But when rivals threaten all that the influential and glamorous Empress built, her last hope of defense walks through the door in sharp-shooting ex-lover Snipes Creed, now a foe for hire bound to the enemy.
A decade ago, Perry Savage had stolen Dulce’s heart before battles abroad stole their chance at happiness. Discharged into the Depression’s bleak landscape, taking on the alias Snipes Creed elevated Perry from destitute veteran to contract fixer extraordinaire. But no success could eclipse memories of the one who got away. Facing off on opposing sides yet still bound by unbreakable passion, past promises and present perils, Snipes and the notorious Empress must determine if their romance can rise again or if devastation will strike when luck inevitably runs dry.
For two scarred souls gambling everything on last bets placed in the name of love and legacy, only one question remains: will Chicago burn them both before they burn Chicago down?
When is a good time for
Roth conversion?
SUBMITTED BY PATRICK ZAMKIN
In life, you often get second chances — and the same is true with investing. To illustrate: You might not have been able to contribute to a Roth IRA during your working years due to your income level, but you may get that opportunity as you near retirement, or even when you are retired — through a Roth conversion. Why is a Roth IRA desirable for some people? Here are the key benefits:
• Tax-free withdrawals — You put in after-tax dollars to a Roth IRA, so you can withdraw your contributions at any time, free of taxes and penalties. And if you’ve had your account for at least five years and you’re at least 59½, you can also withdraw your earnings free of taxes.
• No RMDs — With a traditional IRA, you’ll have to start taking withdrawals — called required minimum distributions, or RMDs — when you turn 73, or 75 if you were born in 1960 or later. But there’s no RMD requirement with a Roth IRA — you can essentially leave the money intact as long as you like.
• Tax-free legacy for your heirs — When your heirs inherit your Roth IRA, they can withdraw the contributions without paying taxes or penalties, and if the account has been open at least five years, they can also withdraw earnings tax free.
But even if you were aware of these advantages, you might not have been able to invest in a Roth IRA for much of your life. For one thing, you might have earned too much money — a Roth IRA, unlike a traditional IRA, has income limits. Also, a Roth IRA has only been around since 1998, so, in the previous years, you were limited to a traditional IRA.
As you approach retirement, though, you might start thinking of just how
On December 27, 2024, I helped a nice lady from Hebron, Indiana. Her insurance agent asked me to help her after he met with her. She needed help from both of us that day.
I helped her make a phone call to the insurance company that she wanted to cancel her policy. After we finished, she said that her agent and I had made things easy for her to do what she wanted to do. She explained that her husband used to handle all insurance matters for her but that he passed away a few years ago.
Handling her health insurance matters became easier once she started using our insurance agency. She was 81. She asked me for a few suggestions on how to make things easier for her. She told me her circumstances. Based on that, I made a few suggestions which she
much you’d like to benefit from a Roth IRA. And you can do so by converting your traditional IRA to a Roth. While this sounds simple, there’s a major caveat: taxes. You’ll be taxed on the amount in pre-tax dollars you contributed to a traditional IRA and then converted to a Roth IRA. (If you have both preand after-tax dollars in your traditional IRA, the taxable amount is based on the percentage of pre-tax dollars.)
If you have large amounts in a traditional IRA, the tax bill on conversion can be significant. The key to potentially lowering this tax bill is timing. Generally speaking, the lower your income in a given year, the more favorable it is for you to convert to a Roth IRA. So, for example, if you have already retired, but have not started collecting RMDs, your income may be down.
Timing also comes into play with the financial markets. When the market is going through a decline, and the value of your traditional IRA drops, you could convert the same number of shares of the underlying investments and receive a lower tax bill or convert more shares of these investments for what would have been the same tax bill.
Finally, you could lower your tax bill in any given year by stretching out your Roth IRA conversions over several years, rather than doing it all at once. You’ll want to consult with your tax advisor before embarking on this conversion — but if it’s appropriate for your situation, you could find that owning a Roth IRA can benefit you and your family for years to come.
This article was written by Edward Jones for use by your local Edward Jones Financial Advisor, Patrick Zamkin, located at 18735 Dixie Hwy, Homewood, IL 60430. Contact us at (708) 798-9066. Edward Jones. Member SIPC.
Our insurance agency does not make the rules of Medicare. We just study the rules and regulations in order to help our clients find and use the most practical ways to navigate Medicare to get the best outcome for the clients. The rules are made by government officials and the representatives of special interest groups who don’t always consider how to make the system work efficiently or smoothly for senior citizens in the Medicare system.
Note: Woodrow Wilcox is the senior medical bill case worker at Senior Care Insurance Services in Merrillville, Indiana. He has saved clients of that firm over three million dollars by fighting mistakes and/or fraud in Medicare medical billing. Also, Wilcox wrote the book SOLVING MEDICARE PROBLEM$ which is available from book stores or online.
LOCAL CHURCHES
CHRIST COMMUNITY CHURCH, COGIC
1151 E. 170th St., South Holland
708-331-8389
FAX 708.331.8374
Admin@ChristCommunityCOGIC.org
ChristCommunityCOGIC.org
PASTOR DR. CARL E. KING, SR. WORSHIP SERVICES
SUNDAY
Church School 9:15 a.m.
Worship Services 10:30 a.m.
WEDNESDAY Bible Study…… 7:00 p.m.
COVENANT UNITED CHURCH OF CHRIST
1130 East 154th St., South Holland
708-333-5955
www.covucc.org
PASTOR REV. DR. PATRICK L. DAYMOND WORSHIP SERVICES
Sunday Worship 7:30 a.m. 11:00 a.m.
Wed. Bible Study Noon
FIRST CHURCH (PCA)
3134 Ridge Rd, Lansing
708-474-9610
www.firstchurchpca.org
Morning Worship 9:30 a.m.
Sunday School 11:00 a.m.
Evening Worship 5:30 p.m.
JESUS LIGHTHOUSE OF LOVE
INTERNATIONAL MINISTRIES 19058 Burnham Ave, Lansing 312-206-1833
facebook.com/JLOLMinistries
PASTOR EL CID ZOLLICOFFER
PASTOR SHONNI ZOLLICOFFER WORSHIP SERVICES
Sunday........................................... 11:00 a.m. Wed. Service on Facebook.............7:30 p.m. Women of Worship via Zoom 3rd Sat. @ 12 pm
RECONCILIATION CHURCH
833 East 168th St., South Holland
708-331-7755
www.reconciliationchurch.org
PASTOR GLEN MCCARTHY
WORSHIP SERVICES
Sunday Worship 10:00 a.m.
Wednesday Bible Study 7:00 p.m.
REDEEMER LUTHERAN CHURCH
651 East 166th St., South Holland
708-331-4100
redeemer-lutheran@sbcglobal.net
WORSHIP SERVICES Sunday 9:30 a.m. Sunday School 10:45 a.m. Channel 6 Tues. 10:00 a.m.
ST. PAUL’S EVANGELICAL LUTHERAN
CHURCH & SCHOOL
8601 Harrison Avenue, Munster, In. 46321 219-838-6720
stplmunster.com
Pastors: Peter Speckhard, Adrian Krebs WORSHIP SERVICES: Monday: ..........................................6:30 p.m. Sunday: .....................8:00 a.m. & 10:15 a.m.
Heart Smart
JOSH BOOTSMA
In Genesis 35, God tells Jacob to go to a place called Bethel and build an altar to worship Him. Jacob’s response is obedience, and in particular, idol-purging.
The Bible says, “So Jacob said to his household and to all who were with him, ‘Get rid of the foreign gods you have with you, and purify yourselves and change your clothes.’” (Genesis 35:2)
As Jacob’s family had been living in a foreign land, their allegiance to the one true God had flickered. Their devotion to Yahweh was tainted by spiritual flirtations with the gods of the land.
When God calls Jacob to go to a new place and worship, Jacob knows: worship of the Almighty God is all or nothing. We cannot hold out a hand to God in worship while our other hand holds an idol behind our back.
Jacob’s story presents us with a powerful challenge. How often do we want to take our ugly lives and splash a layer of Jesus paint on them to feel like we’re living the right way? Our creator, our white-hot-holy God, our profoundly loving Father is not content to be a layer of good covering our bad.
Jacob’s story — and so many others in the Bible — teach us that devotion to the Lord must be complete. Total. It requires our participation as God empowers us to cut out of our lives the idols that would distract us from the worship of Him.
Praise God that in Jesus Christ, our hearts are already purified! Ours is not a duty to work our way to being pure, but rather a living into the purity that Jesus Christ has achieved for us!
The Lord is calling you to worship and devotion at this very moment. What idols in your life need to be buried and left behind? (Genesis 35:4)
Josh Bootsma Director of Ministries Covenant Fellowship Church cfcsh.org
FIRST ORTHODOX PRESBYTERIAN
CHURCH OF SOUTH HOLLAND
16248 South Park Ave., South Holland
708-333-8211
www.firstchurchsh.org
PASTOR REV. DANIEL SVENDSEN WORSHIP SERVICES
Sunday 9:30 a.m. & 5:30 p.m.
Sunday School 11:00 a.m.
GRACE LUTHERAN CHURCH, LCMS
8303 Sheffield Avenue Dyer, IN 46311 (219) 865-1137
gracedyer.org
PASTOR REV. DALE HETHERINGTON WORSHIP SERVICES
Sunday........................................... 9:00 a.m.
Bible Study Sunday 10:30 a.m. Monday...........................................7:00 p.m.
Saturday Prayer Service 10:30 a.m.
Bible Study: Sundays at ........9:15am (Sunday school at this time too) 2nd & 4th Tuesdays of the month (Ladies’ Bible Study) Wednesdays at 10am Thursdays at 10am (Nursery available for Sunday morning services)
ESPIRITU DE DIOS
16400 S. State St., South Holland
708-439-1220
sogfchurch.com
PASTORES Jose & Paula Lopez
SERVICIOS: Grupo de Oracion de Hombres
Jueves ........................................... 7:30 p.m.
Sabado Alabanza y Predicacion.....6:00 p.m.
UNITY OF NORTHWEST INDIANA
Plum Creek Center
2138 Moeller Street Dyer, IN 46311 (219) 931-5284
www.unitynwi.org ALL WELCOME MINISTER: REV. GERALDINE COLVIN SUNDAY SERVICE.......................10:00 AM
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
SMITH PAINTING 30
YRS EXP FREE
ESTIMATES Mention Sherry, get 5%off job. Call Mike 2197429867
MOVING SERVICES: Pick up/ Delivery Service.Small moves; in-house move; store-to-home. Assembly: Furniture & exercise equipment (Ikea, Office Depot, etc.) Call Rob daily until 9pm 708-898-8668
JUNK REMOVAL Time to make space! Cleanouts (garage attic, basement, shed). Hauling away appliances, furniture, trash. WE RECYCLE! Call ‘til 8pm. 708-898-8668
CAR / TRUCK TROUBLE?
Vehicle shopping? Onlocation diagnosis: Will find needed repairs / maintenance. Uncertain of mechanic estimate? 32 years exper. Any day! 708-898-8668
For Rent
BEAUTIFUL SOUTH HOLLAND ROOM FOR RENT IN A SINGLE FAMILY HOME. King size bed, semi private bathroom with Jacuzzi tub. No cooking, full size refrigerator and microwave in room. Free lights, free gas. Only $225 a week, $500 move in fee. Background check required. Call 708-8433932 for more information.
HAMMOND ONE BEDROOM APARTMENT IN DUPLEX WITH FRIDGE AND NEW STOVE. Has hookups for laundry, tenant pays gas and electric. Has a deck, large fenced in yard. Can bring window units for AC. Cats OK with extra cleaning fee. Plenty of street parking available. $800 per month, $800 security deposit and $40 background check required. Call 219-6295357 for more information.
Wanted
Looking for room to rent with own bathroom. NW Indiana/Lansing area. Elderly care experience. 40+ Non-drinking/smoking male w/ maintnenance skills. Prefer kitchenette & garage space. 708-898-8668
WANTED: OLD BEER CANS AND POP CANS. Single cans or whole collections.Also, beer signs, trays, other misc. vintage beer/tavern items.Cash paid. 219-730-9624
Need cleaning woman (or man) for doors, baseboards and exterior of kitchen cabinets; also vacuuming carpets. (708) 895-2647
In need individual looking for older model car donation or under $1000 708-341-3106
Single, childless, and disabled, female is in need of a smoke free and quiet room. Anyone interested in helping financially or with a bed? Not interested in drama, or sexual favors!! I”m trying to pay off debts and pay for my monthly expenses. I will not bring over family/friends. Thanks. Text/call 312.736.2037
WANTED DEGAN OR MUSSER VIBRAPHONE CALL 219-801-0955
WANTED - As many can of salmon fish as you have. 219-801-0955
WANTED - Thick rubber roll roof for (4) car garage. 219-801-0955
IN DESPARATE NEED SMALL CAR FOR 80 YEAR OLDECONOMICAL CAR CAN BE DAMAGED IF RUNNING FOR LOW INCOME SR. CITIZ. Does not have to pass emission test if the price is right - Call 219-801-0955
WANTED: 1972 & OLDER CARS & TRUCKS, PARTS, RUNNING OR NOT (and parts) unfinished project and 67-69 Camaros. 708-439-9770
WANTED - GARAGE TO STORE MY OLD DODGE CAR. Could use 1 or 2 Stall Garage. Prefer the Lansing area. Call James between 9am and 9pm, 708-460-8308
IN SEARCH OF OLDER COBRA CB RADIO BASE STATIONS & ACCESSORIES let me know what you have. Dan 312-720-0844
SENIOR LOOKING TO RENT 2 OR 3 BEDROOM HOUSE WITH GARAGE. Have Sect. 8, also have 24hr caregiver. Looking in Lansing, Calumet City, South Holland, or Thornton ASAP. Call 815-263-0490. Ask for Carol
WANTED: Electric chainsaws and as many chains as you have. Exterior Brown Paint. 219-801-0955 For Sale
1 GE electric stainless steel double oven, 1 Amana electric glass cooktop, both are in excellent condition. $600 for both or available separately. Best offer considered. 5 foot long, 30 inches high all glass jewelry case with light, $100 or best offer. NordiTrack treadmill in great shape, $150 or best offer. For more information, call 708-536-3228.
1960s Gilbert American Flyer Train Set All Aboard Pioneer 600 Model 6 square interlocking panels with rails mounted 5 unit train, buildings, landscape,transformer. box is rough $80 Dan 312-7200844
30 Gal Aquarium $35 Firm 219 670 2492
Oster turkey roaster 50.00, inline skates 30.00, Steno Machine with paper 120.00, Steno Machine with case and stand 100.00 708-517-3788
Toro Power Curve electric snow blower. Model 38025. Excellent condition. $70 Toro electric snow shovel. Model S-120. 12 inches wide. Perfect for small area and steps. $35.Call or text 708-673-9361
Cuisinart Bread Machine, $40, Mandolin Slicer, new $25, Conduit, 70’ 1/2 EMT, $20; Backgammon, $20, Butterball Frier, $40, Cable Tools, $50; Shark Vac $30, Vera Bradley Purses, $10. Call 708-8776088
Cribette baby sleep in crib $20. 5 mens Large flannel shirts and 1 hoodie all for $25. Call 618-654-7889
DUCKS ARE STARTING TO FLY. I have mallard decoys in good condition. 35$ a dozen. 7088953767
Trailer hitch Curt 13146 with plug & play wiring harness. Honda Pilot 201622/Acura MDX 2014-20. $150 used708 955 4890
LIBRARY HAPPENINGS
Calumet City Public Librar y
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 Libr ar y
Address: 14037 Lincoln Ave, Dolton, IL
Phone: 708-849-2385
Email: lincoln@doltonpubliclibrary.org Website: www.doltonpubliclibrary.org
BLACK HISTORY MONTH
JAN. 27TH: PRE-CIVIL WAR QUILTS: Secret Codes to Freedom on the Underground Railroad. Presented by: Connie Martin, MA., Historical Researcher, Illinois Humanities Road Scholar Speaker. Monday, January 27, 2025, from 4:00- 5:15 pm., in the Media Room.
FEB. 7TH: Create to a Different Drum January 8, 2025 from 3:30-4:30 pm. in the Youth Services Department. Kids ages 5-12 can create their own Drum! Register with Ms. Barbara @ 708-849-2385 x 4.
FEB. 13TH: Chicago Black Panther Party: Setting the Record Straight: A 50-Year Smear Campaign: Government, Police, and Media. Thursday, February 13, 2025 @ 4:30 pm. in the Josway auditorium. You don't need to register.
FEB. 17TH: Little Calumet River Underground Railroad Project: We welcome back Dr. Larry McClellan on Monday, February 17, 2025, at 4:30 pm. in the Josway auditorium as he teaches about the legacy of the Underground Railroad and the significant role Dolton Illinois played in that part of history.
VALENTINE'S DAY
BE OUR VALENTINE! TREAT BAG GIVEAWAY ON FRIDAY, FEB. 14TH (While Supplies Last)
FEB 12TH: CREATIVE CRAFT w/ Ms. Barbara in Youth Services. Make a Special Valentine's Day Craft. Register by calling 708-849-2385 ext. 4 for kids 5-14 years.
SPECIAL PROGRAMS
JAN 21ST: BROCK SOCIAL SERVICES: They will be accepting CEDA applications for ComEd, Nicor, and Peoples Gas. City residents can also do UBR for their water bill. Join us Tuesday, January 21, 2025, from 10-2 pm. Call 708-849-2385 for more info. FEB 20TH: ELDER RISK DETECTOR: Join Jessica Mercer, MSW, Aging & Disability Coordinator, on Thursday, February 20, 2025, from 11-12 pm. Learn about the signs of Adult and Elder Abuse: How to avoid them and What to do if they happen. Register by calling 708-849-2385 ext. 3
ONGOING PROGRAMS
THUR JAN 16-MARCH 27TH: SILVER FOXES, GREY WOLVES: SENIOR FITNESS PROGRAMMING: Classes are limited to 25 spots. Call to register at 708-849-2385 ext 3
FEB 8TH: COOKBOOK BOOK CLUB: Meet in the Josway on Saturday Feb 8, 2025, from 11-1 pm. To register contact Ms. Laura at 708-849-2385 ext 5.
EVERY MONDAY: STAY FIT with SHEENA STINSON: In house workout program. from 9:30-10:30 am. Register by calling 708-849-2385.
EVERY THIRD SATURDAY OF THE MONTH: BETWEEN THE PAGES: A VIRTUAL STORY TIME! Register by calling 708-849-2385 the link will be emailed to you.
EVERY SECOND TUESDAY OF THE MONTH: TODDLER TIME with Ms. Brooks: 10:45-11:45 AM. No registration is necessary. Daycares are welcome!
EVERY THIRD WEDNESDAY OF THE MONTH: SIMON SAYS..GET UP AND MOVE wIth Ms. Lottie Maria: 11:30-12 PM Jump, Clap, and Dance. For Toddlers and Daycares welcome! Call to register at 708-849-2385 ext 4.
HOMEWORK HELP : Make an appointment with Ms. Brooks on Fridays or Saturdays by calling 708-849-2385 ext 4. Ages 5-12.
EVERY MONDAY: LINE DANCING WITH DAWN THE DANCING DEVA: From 1-2 pm. Call 708-849-2385 ext 3 to register.
EVERY WEDNESDAY: LINE DANCING WITH DAWN THE DANCING DEVA: BECAUSE IT WAS SO GOOD THEY ASKED FOR TWO! From 3-4 pm. Call to register 708-849-2385 ext 4
Hammond Public Librar y 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
Har vey Public Libr ar y
Address: 15441 Turlington, Harvey, IL 60426
Phone: 708-331-0757x3200
Email: has@harvey.lib.il.us
Website:www.harvey.lib.il.us
FREE online Line Dancing with Dawn the Diva, Tuesdays at 6:30pm
Join Us For Vir tual 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)
Homewood Public Librar y
Address: 17917 Dixie Hwy, Homewood, IL 60430
Phone: (708) 798-0121
Email: hplhelp@homewoodlibrary.org
Website: www.homewoodlibrary.org/
Lansing Public Libr ar y
Address: 2750 Indiana Ave., Lansing IL Phone: 708-474-2447
Email: shari@lansingpl.org Website: www.lansingpl.org
Riverdale Public Librar y
Address: 208 W 144th St Riverdale, IL 60827
Phone: (708) 841-3311
Email: library@rpld.org Website: www.rpld.org
Riverdale Public Library District Food Pantry
Our food pantry is open to everyone and is located in the entryway of library. Donations are also welcome and can be dropped off at the Circulation Desk. Please ensure that food items are non-perishable, non-glass containers and not expired.
Weekly Walking Group
9 – 10 am Ages: Adults/Seniors This walking program is for everyone interested in achieving a healthier lifestyle. What better way to start your path to better physical and emotional health, than on your feet making strides to help your heart and improve your general health.
South Holland Public Librar y Address: 16250 Wausau Ave., South Holland IL Phone: 708-527-3160 or 708-580-6161
Email: library@southhollandlibrary.org
Website: shlibrary.org/events-calendar
Thor nton Public Librar y
Address: 115 E. Margaret St. Thornton, IL.
Email: library@thorntonil us
Website: https://www thorntonlibrary org/
Modern Medical
Counselor, book, guide to health, 1943...$25.00... Queen mattress , box spring., guest room,.. like new . $125.00. 708-6454245
Emerson stereophonic phonograph ( record player) used lightly in original box late 1970s model $30. 312-720-0844
Late 1960s Gilbert
American Flyer All Aboard
Pioneer 600 train set 6 scenic panel 5 unit train original box is rough nearly all pieces inside $100. 312-720-0844
100 yr old Singer Pedal Sewing MachineAntique Croquet Set with all piecesAntique Royal Typewriter with stand$100 each or best offer Lansing Illinois - 630-697-0188
Pyrex Bowls and Bakeware $3-$5 a Piece; Champagne and Wine Glasses (Crystal) $2 ea; Crystal Wine, Liquor Decanters $15-$25; “Johnson’s Bros.” White English Ironstone Set of Dishes (64 pc.) $40 or OBO. Vintage Madame Alexander doll, “Degas” girl #1575 in original box, wrist tag and stand, $45. 708-481-6907
FOR SALE: Schwinn Men’s 26” Jaguar bike, as is. $100.00. 219-8366104.
Fisher-Price Power Wheels
Barbie Jeep. In original box. Excellent condition. Needs battery and charger. $50 Call or text 708-6739361
Manual push lawn mower. Excellent condition. $35 Call or text 708-673-9361
Exercise Bike Pro Form
Model GR 75 $60 OBO; Drill Press Bench Mount Wards Powercraft $60 OBO; Trailer Winch Fulton Model 511 1600 LBS capacity $20 OBO; Rare R-12 Freo $30 ea; Greenlee Slug Buster, Have Two Kits Model 7235 BB and 7237 BB $100. BOth OBO; Industrial Heat Gun HG301A $25 OBO; Copper Sulfate Root Killer for Sewer Lines have several bottles, $5 each; A&W Dog and Suds Root Beer Mugs, $5 each OBO; House Box Fans $10 ea. OBO. 708-837-9814
Nordic Track Pro, excellent like new condition $100 708-891-4798
Radio Flyer Red Wagon for 2 Comes with Seatbelts and 4 Cup Holders. Hauling Capacity 200 lbs. Gently used $40. Twin Size Bed Sheets $1 each; Twin Size Duvet Covers $5 ea. Call 708-481-6907
Ethan Allen Wingback Chair - $70; Hardwood Kitchen Chairs (Windsor Type) $30; Heavy duty universal bed frame, $15. Stiffel brass table lamps, $25-$35 each. Assorted lamp shades, $5-$10ea; Occasional Squire 26” dark wood 2 tier table. $50; Assorted Luggage, $5-$10 each; Kitchen Cabinet
33.5”h x 16.5”w x 18”d with 1 door (3 shelves inside);$30 OBO; Stainless Steel, Almost new, Whirlpool Over the Stove Microwave, $50. 708-4816907
Ottoman (footstool) $25; Small Kitchen Appliances (Juicers, Toasters, Rice Cooker, 5 Speed Mixer, Coffee Grinder, etc) from $5-$10; “Johnson’s Bros.” White English Ironstone Set of Dishes (64 pc.) $40 or OBO; 708-481-6907
40 hummels in original boxs and 4 goebel plates best reasonable offer 708 308 4634
New Electric Coffee Maker w/2 Stainless Steel Travel Cups. Still in box
$20.00Call 708-474-9568
Estate Sale, Shark Navigator Vacuum, anti-allergen, pet plus, more suction/lighter, New, Boxed, $159.00,,cash, originally $259.00 708-645-4245
Queen mattress/box spring ..guest room.. like new ..$125.00 , West Bend electric stainless wok, w/ accessories, used once. $25.00 708-645-4245
Set of Rugs $20 - and a cargo liner $30 for Subaru. (708) 895-2647
New Power Air Fryer Pro all attachments and cook books 65.00 call 219 663 8544
Large heavy concrete bird bath, good condition. $60.00; Metal commercial clothing rack on wheels 64 in long x 61 in high$75.00; Senior bath/shower chair like new $45.00; Shop vac 5 HP includes manual and 2 attchmts$50.00; Stihl backpack blower - runs well, no manual. $325.00 private owner; Echo handheld leaf blower, runs good, includes user manual $150.00 219-218-6466
Ladies winter coat, wool, boucle, camel shade, large mink collar, medium ... excellent condition..$75.00..official Chicago Bears glasses...8/$20.00 708-6454245
2 Broyhill end tables with drawer and lower cabinet 25” high x 26” wide x 28” deep. Good condition Pickup in St.John, IN 219-308-5442
Cabbage Patch Doll 1992 Tenth Anniversary Zora Mae numbered new in box ( box has some dents rips) never played with smoke free home. Can provide pics on request ! $75 312-7200844
Size 10.5 Brown LaCoste Hiking Boots w/ Steeel Toe, New in Box, Paid $65, Asking $40 OBO. Call 312-203-41-67 ask for Tony!
Blaupunkt antique stereo and turntable with centerpiece. $125.00, email at Patc96259@gmail.com
4 chairs wrought iron all black and table wrought iron.$125.00 email to Patc96259@gmail.com
Leaf Blower-700 Rake O-Vac-like new $25, Miscelaneous movice cameras, projectors and tripod--Best Offer! Office Chair New--In BoxModway EEI-757 $95. Matching Buffet Lamps --New $20. Tomato Grinder Antique -$ 15. Sausage Grinder Antique-$15. Beleek China Plate--New in Box $20 708-448-5672
Small Shovel, 5” Steel Blade for kids or Adults, new, $6; 3 ft. Weed Wacker, double cutting blade, $10; Alum. Scoop shovel, USA Made, new, $39; Steel Scoop HD Shovel, very old, $15; Timex 7” Wall Thermometer, new $4. 708-460-8303
Sealy Queen, guest room mattress/ box spring. .$125.00..Baby changing table ,walnut frame, excellent condition, $25.00. 708-645-4245
Heat Surge electric fireplace, infrared heating , Amish crafted furniture, w/ remote. $75.00...Ensure plus, strawberry flavored. 24 / 8 oz, carton, unopened, $30.00 708-6454245
Toro snowblower model CCR2450. 5 H .P.Electric start. $75.00(402)670-1694
Full size bed with mattress, box spring and frame $100, 4 drawer dresser $25, Drive extra large size manual wheelchair with pad never been used $100. Please contact Vicki at 708 634-9464. Leave message on voicemail I will return you’re call..
Snow season!! MTD Pro snow blower. 21’ swath, electric start. Runs great! $75.00708-895-3767 Lansing
Full length mink coat, medium, older , good condition $150.00. Red wool blazer, size medium/ petite, Nordstroms, new, $29.00. 708-645-4245
Giannoulias to FDA: Action on Red Dye No. 3 and BVO Too Little, Too Late
Secretary of State will continue to push FDA to take meaningful action on food additives
Following the U.S. Food and Drug Administration’s (FDA) order banning the use of Red Dye No. 3 in food products, Illinois Secretary of State Alexi Giannoulias renewed his call for an overhaul of the rules governing food additives to eliminate toxic chemicals from the food supply, including candy, snacks and soda.
Last year, Giannoulias pushed for the Illinois Food Safety Act to ensure a healthier food marketplace for Illinois families. The bill called for prohibiting the use of brominated vegetable oil, potassium bromate, propylparaben, Red Dye No. 3 and titanium dioxide – all of which have been linked to serious health problems, including hyperactivity, nervous system damage, reproductive issues, hormonal damage and increased risk of cancer.
Prior to its action on Red Dye No. 3, the FDA banned the use of Brominated Vegetable Oil (BVO) last July, citing links to thyroid issues. The FDA had authorized the use of Red Dye No. 3 and BVO since the 1960s, equating to decades of consumer exposure to the dangerous additives and their associated health risks. The banning of Red Dye No. 3 in food came 35 years after it was barred from cosmetics because of cancer risks.
“Allowing the company that produces the food to decide if a chemical is safe – without having to inform the FDA – makes no sense and results in a dangerous game for American families to play,” Giannoulias said. “While the recent bans on Red Dye No. 3 and brominated vegetable oil are a step in the right direction, these actions are long overdue and a drop in the bucket considering all the additives linked to negative health outcomes that remain on shelves today. In the absence of decisive action on the part of federal authorities, Illinois must step in to keep dangerous additives out of the marketplace.”
For decades, the “generally recognized as safe” (GRAS) designation has allowed food manufacturers – not the FDA – to decide if chemical additives are safe for consumption. This legal loophole has allowed food dyes, preservatives and other chemicals to be placed on store shelves with little to no oversight from the FDA, the federal agency tasked with ensuring food is safe. Many of these GRAS ingredients have been linked to serious health problems and chronic diseases.
The Secretary of State oversees Illinois’ organ donation registry, which is one of the largest in the nation. Studies have shown that organ damage and failure is a consequence of the health risks associated with chemical additives, particularly in children. Keeping donors’ organs healthy for individuals suffering from life-threatening diseases or injuries who need transplants is critical.
European and other nations have outlawed many GRAS chemicals and mandate that corporations formulate their products with safer alternatives. In the U.S., California recently passed a law that outlaws several harmful chemicals in the food supply that goes into effect in 2027.
Carl W. Johnson , age 56, of Crown Point, IN, passed away suddenly Tuesday, January 21, 2025. Loving husband of Laura M. BloomJohnson. Devoted father of Brom Johnson and Alex Johnson. Cherished son of Yesthi and the late John Johnson; sonin-law of Ellamarie S. Boersma. Dear brother of Susan (Donald Smith) Westerfield and Christ (Kara Summers) Johnson; brother-in-law of Juliet (James) McNulty. Kind uncle of Lexi Westerfield, Jacob Johnson, Liam McNulty, and Vaughn McNulty. Carl was loved by his family, friends, and the backyard birds, and will be dearly missed. The people who knew Carl will remember him as a provider, a lover, and a storyteller. He was a very funny man.
Memorial visitation Friday, January 24, 2025 from 3:00 – 8:00 p.m. with a memorial service to be held at 6:00 p.m. at Smits Funeral Home, 2121 Pleasant Springs Ln. (Rt.30/ Pleasant Springs Ln.), Dyer, IN, with Deacon Jim Renwick officiating. In lieu of flowers, memorial donations to the Chicago Field Museum (www.fieldmuseum.org), appreciated. For further information, please contact 219-3227300 or visit our online obituary and guestbook at www.SMITSFH.com
Robert J. “Barefoot Bob” Mazrimas, age 80, of Dyer, IN, passed away peacefully Wednesday January 22, 2025. Loving husband of Darlene F. Mazrimas, nee Bush. Devoted father of Anne (Jason) Joers. Cherished grandpa of Savannah Reynolds and Michael Joers; great-grandpa of Axl Reynolds. Dear brother of Joseph (Judith) Mazrimas. Preceded in death by his parents Joseph and Alice Mazrimas. Kind uncle and great-uncle of many nieces and nephews. Barefoot Bob was loved by his family, and many friends, and will be dearly missed.
Visitation Monday, January 27, 2025 from 4:00 – 8:00 p.m. with a funeral service to be held at 6:30 p.m. at Smits Funeral Home 2121 Pleasant Springs Lane (Rt.30/Pleasant Springs Ln.) Dyer, IN, with Rev. Drew Brown officiating.
For further information, please contact 219-3227300 or visit our online obituary and guest book at www.SMITSFH.com
(Michael) Kakol, Heather (Brennen) Hueftlein, Noah (Christina) Bosman, and Nate Bosman. Loving great grandmother of thirty-five. Dearest sister to the late Bill (Susan) Zeilenga, the late Jack (Linda) Zeilenga, and Annette (Carl) Boender. Preceded in death by her parents Harold and Alyce Zeilenga.
Memorial visitation will be on Monday, February 3, 2025 from 9 am until the time of the Celebration of Life service at 11 am at Smits Funeral Home, 2121 Pleasant Springs Lane, Dyer, IN with Pastor John Anderson officiating. Private interment at Oak Ridge Cemetery, 1881 Thornton Lansing Rd, Lansing, IL 60438.
A second memorial service will be held on Thursday, February 20, 2025 from 10 am until the time of a Celebration of Life service at 11 am at her church, Bay Presbyterian Church, 26911 S Bay Drive, Bonita Springs, FL 34134 with Pastor John Anderson officiating In lieu of flowers, memorial donations may be given to Bay Presbyterian Church, 26911 S Bay Drive, Bonita Springs, FL
Sandra J. Dekker , nee Zeilenga, age 91, of Ft. Myers, FL, formerly of Lansing, IL, went home to her Lord and Savior on Saturday, January 25, 2025. Loving wife of her first husband, the late Clarence “Sonny” Boersma (Ken and Betty’s father) and her second husband the late Harry A. Dekker (Scott, Jeff and Jill’s father, who adopted Ken and Betty). Devoted mother of Kenneth (Dianna) Dekker, Betty (Richard) Balsamo, Scott (Linda) Dekker, Jeffery (late Rhonda) Dekker, and Jill (Kenneth) Bosman. Loving grandmother of Kate (Jon) Denbrock, Sara (Beat) Guggisberg, Josh (Karyn) Dekker, Carrie (James) Hartung, Corinne (Keith) Cramsey, Michael (Kat) Kaminski, Nikki (Bob) Van Kalker, Brian (Laura) Dekker, Erica (Jeff) Swearingen, Joel (Amy) Dekker, Rachel (Robert) Vander Woerd, Rosalyn (Jim) Fluit, Justin (Kim) Dekker, Amanda
Dorothy Ravesloot, nee Triemstra, age 99, of South Holland, IL, passed away peacefully on Monday January 20, 2025. Beloved wife of the late Henry C. Ravesloot. Loving mother of Nancy (late Robert) Rhodes, Dawn Ravesloot, and Charles (Joan) Ravesloot. Cherished grandmother of Jason and Adam Ravesloot, and Robert Rhodes Jr.; greatgrandmother of Henry Rhodes, Kinsey, Dalton, and Seville Ravesloot. Dear sister of the late Lorraine (late Fred) Koster, late Harriet (late Joseph) Peer, and the late Marvin (Joyce) Triemstra. Preceded in death by her parents John and Dolly Triemstra. Dorothy was loved by many and will be dearly missed. A funeral service will be held Monday, January 27, 2025 at 11:00 a.m. at First Reformed Church, 15924 South Park Ave. South Holland, IL with services conducted by Rev. Jim Oord and Rev. Dr. Rich Grevengoed. For further information, please contact 219-322-7300 or visit our online obituary and guest book at www. SMITSFH.com
Illinois schools prepare for immigration enforcement
by Peter Hancock - Capitol News Illinois
The Illinois State Board of Education is encouraging local school districts to adopt clear policies spelling out how and when their staff should cooperate with federal immigration officials carrying out enforcement actions or seeking information from school officials.
The “non-regulatory guidance” on immigration enforcement actions was issued Wednesday, Jan. 22, two days after President Donald Trump was inaugurated for his second term in the White House.
Almost immediately after the inauguration, Trump’s new head of the Department of Homeland Security, acting Secretary Benjamine Huffman, rescinded a Biden administration policy that had limited immigration enforcement actions in or near “sensitive locations” such as schools, playgrounds, child care centers and school bus stops.
“All children in the United States are entitled to equal access to a basic public elementary and secondary education, regardless of their actual or perceived immigration status, or the status of their parents/guardians,” State Superintendent of Education Tony Sanders said in his weekly message posted on the ISBE website.
Sanders cited a 1982 U.S. Supreme Court case, Plyler v. Doe, which struck down a Texas statute that barred children who were not “legally admitted” into the United States from enrolling in public schools, saying the law violated the 14th Amendment’s equal protection clause.
In announcing the policy change, however, DHS said the Biden administration’s policy had hampered legitimate law enforcement efforts.
“This action empowers the brave men and women in CBP (Customs and Border Protection) and ICE (Immigration and Customs Enforcement) to enforce our immigration laws and catch criminal aliens—including
Lansing Self Storage located at 17506 Chicago Ave, Lansing, IL 60438, (708) 251-8350 intends to hold an auction of the goods stored in the following unit in default for nonpayment of rent. Tommy Mister, Unit #187; Stacie Aguilar, Unit #152, Auction will be conducted online on www.storageauctions.com"
murders and rapists—who have illegally come into our country,” the agency said. “Criminals will no longer be able to hide in America’s schools and churches to avoid arrest. The Trump Administration will not tie the hands of our brave law enforcement, and instead trusts them to use common sense.”
During the 2024 presidential campaign, Trump vowed to crack down on illegal immigration into the United States. That included promises to carry out the largest mass deportation operation in U.S. history.
In his message, Sanders reminded school officials that they are not allowed to inquire about a student’s or parent’s citizenship status. But he said the guidance was being issued to respond to the “numerous requests” for information the agency had received from local officials about how to handle enforcement actions that federal agents might carry out on school grounds.
The guidance notes that federal law authorizes DHS to deputize state and local law enforcement officers to enforce federal immigration law. But it also reminds school officials that under a 2019 state law known as the Keep Illinois Families Together Act, no Illinois law enforcement agency or official is allowed to take part in such an agreement with U.S. Immigration and Customs Enforcement.
In addition, the guidance notes, the Illinois TRUST Act restricts the way law enforcement agencies and officials may participate in federal civil immigration matters.
“These pieces of legislation would apply to law enforcement agencies that might otherwise have a relationship or presence on the school’s property,” the document states.
The document advises districts to name a point person or department where federal authorities can be directed should they arrive on campus. It also advises designating a point person to review records requests or subpoenas from immigration agencies and to keep
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track of requests they receive in case that information is needed for future reference.
It also describes the differences between various types of documents that immigration officials might serve on school officials, such as federal court warrants, federal court orders, judicial subpoenas, civil immigration warrants, notices to appear and administrative subpoenas.
“ISBE strongly encourages school districts to work directly with their legal counsel to create board policies and administrative guidelines so school districts can ensure any potential response to a warrant or subpoena described above is legally compliant and aligns with that school district’s policies,” the document states.
Leaders of the state’s two largest teachers unions issued statements criticizing the new Trump administration policy.
Illinois Federation of Teachers President Dan Montgomery called it a “sad and shameful day when schools, meant to educate and support students, are turned into sites of fear and chaos.”
Illinois Education Association President Al Llorens issued a statement saying all children should have access to “an equitable, high-quality public education.”
“Our educators should not be put in the crosshairs of these political policies,” he said.
“School employees should be allowed to focus on supporting and educating all our students. We will do whatever it takes to protect ALL students, our teachers, our school support staff, our communities.”
Capitol News Illinois is a nonprofit, nonpartisan news service that distributes state government coverage to hundreds of news outlets statewide. It is funded primarily by the Illinois Press Foundation and the Robert R. McCormick Foundation.
Determination Drives a Person
by Janice R Newman
Determination is the driving force behind achieving your goals. It is the fuel that powers your motivation, giving you the energy and resilience to cross the finish line of success. Determination adds positivity to challenging situations and inspires you to persist, despite obstacles. It helps you overcome roadblocks that might stop others in their tracks. Your goals must be significant or life-changing to hold your desire to achieve them.
In many cases, determination can be vital not only for improvement but also for survival. For example, needing to lose weight for your health or to have surgery can drive our determination. Determination influences motivation, increases our ability to overcome obstacles, and builds resilience.
Determination sparks motivation for a goal. Without it, the goal can quickly fizzle out when challenges arise. You get excited about an idea, plan, or goal but if you’re not determined to achieve the goal no matter what, any obstacle can stop your pursuit. For example, I was excited to run the South Holland 5K Fun Run, but the excitement diminished during the weeks of training, injuries, and sacrificed time. However, I had determination to keep me motivated, which helped me to stay focused to cross the finish line. This determination is what separates those who achieve their goals from those who abandon them.
Determination inspires you to improve your life. You must be dedicated, devoted, and determined to achieve your goals. The goals you are pursuing must be special and have important meaning to you. The goals can’t be someone else’s goals for you. Others can put demands on you to achieve a goal, but if it’s not your desire with you “owning” the goal, determination will not motivate you for success.
For example, your doctors and family may urge you to lose weight because of health issues. However, unless you truly are determined to lose weight, it will
not be achieved. As parents, we have a desire for our children to attend college, however if it’s not their goal or plan, they won’t put full effort into it or may drop out.
For instance, if you grew up in poverty, you might have determination to overcome financial barriers. You hear countless stories of people who, through determination, pursue higher education, start a business, or take on challenges at work to seek a promotion. Oprah Winfrey rose above poverty and a troubled childhood to become one of the most influential television and media personalities.
Determination counters the unpredictability of life and challenges you by changing your viewpoint that failure is not an option. You learn and grow from the challenges you encounter versus developing reasons to give up. Thomas Edison tried over 10,000 times to invent the light bulb which we all enjoy. Colonel Sanders, the founder of Kentucky Fried Chicken, tried over 1,000 times to sell his famous chicken recipe before someone bought it. Both men were determined to achieve their goal no matter how many tries, rejections, or failures it took before they succeeded.
Determination is the driving force that helps us to achieve our goals, to survive life’s tough moments, and to improve our lives. It fuels motivation, drives perseverance, gives us the strength to overcome obstacles, and inspires us to fight to complete our goals. Determination helps make our dreams become reality. Galatians 6:9 encourages us “Let us not lose heart in doing good, for in due time we will reap if we do not grow weary”. Therefore, let us not lose our drive or grow weary, but remain determined to achieve more than we ever imagined. Y? Why Not! Like us on Facebook https://www.facebook.com/ ywhynotshow/ YouTube https://www.youtube. com/@ywhynotshow/videos
CATHY & JIM HIGGINS
Question: We are thinking of selling and buying a new home this year. Are interest rates going to come down? Is now a good time to buy?
Answer: While I’d love to say rates will drop below 6% in 2025, I think it’s a moderate probability and not a certainty, based on my conversations with mortgage brokers. Keep in mind, rates between 6-7% are still historically low, but much higher than a few years ago before the massive government spending pushed these rates near 7%.
If inflation doesn’t get under control, the Fed will be forced to keep rates high to prevent inflation from spiking again.
The strong job market presents another challenge. While good for the economy, robust employment numbers might convince the Fed to keep rates elevated longer.
Don’t let mortgage rates be your only guide in deciding when to buy a home.
What matters is finding a home you love at a fair price with an affordable payment. While rates might change, your monthly payment must fit comfortably into your budget, including extra funds
for maintenance and unforeseen costs. Instead of waiting for rates to fall, focus on what you can control. Start by checking home inventory in your area and reviewing your finances. Consider your job security, emergency fund and long-term plans. When you’re ready to buy, shop around for rates and loan programs — and be prepared to act quickly when you find the right home. Nobody knows exactly where mortgage rates will land in 2025. But your success in the housing market depends more on preparation than prediction. Don’t let rate forecasts distract you from making meaningful progress toward homeownership.
“Don’t wait to buy real estate. Buy real estate and wait.” – Will Rogers 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: 708-8283304. McColly Real Estate. Website: www.Cathyhiggins.com. Personal Real Estate Journal: www.Higginshousechat. blogspot.com
