The Northwest Indiana Symphony Orchestra Presents Mariachi!
Celebrate the Cinco de Mayo Symphony style as the Northwest Indiana Symphony and conductor Kirk Muspratt present “Mariachi,” with 2 performances, Thursday, May 4; and Friday, May 5 all at 7:30 pm at the Auditorium at Living Hope Church. The concert will also feature Mariachi Acero de Las Vegas. “This is something I’ve wanted to program for years,” said Maestro Muspratt. “A Night of Latin music featuring Latin composers and a fabulous Mariachi group!”
Award winning Mariachi Acero de Las Vegas, founded by East Chicago’s own Erik Ramirez, will perform with the Symphony on songs like Mi País, La Bikina, El Jinete, Como Han Pasado
Los Años, and Popurri Veracruzano. The Symphony will also perform pieces by Latin composers.
Tickets for the concert range from $40 -$75 each and students are $10. GROUP SALES ARE AVAILABLE AT A DISCOUNT. Call the Symphony office at (219) 836-0525 or visit the website at www.NISOrchestra.org to order tickets for Mariachi!
This concert is sponsored by Purdue University Northwest, John W. Anderson Foundation, WANISS, John Cicco’s Menswear, The Neff Family, Sue & Andy Arnold, Precision Control Systems, In memory of Dr. Henry & Jeanette Giragos, The Times Media Co., and Crown Point Community Foundation.
It’s the Loan Officer, Not the Lender
MIKE BUDER
When people begin to think about financing a home, many will simply choose the institution they do their banking at while others will seek out referrals from family, co-workers and friends. Maybe the last go-round didn’t go so well and a new financing source is desired. Or, it’s a first time homebuyer situation who has never financed a home in the past. Whatever the scenario, going out to find a home loan needs to have a starting point. Getting a mortgage can be a very confusing process, although it doesn’t have to be. Mortgage loan officers do home loans every single day whereas most homeowners can end up counting how many times they’ve needed a mortgage on one hand. When getting quotes for a mortgage, there are so many different things to consider way beyond what type of mortgage is best. Do you want a shorter term or a longer term? A longer term will lower your monthly payments but you’ll end up paying much more in mortgage interest over the life of the loan. Paying less interest is what a shorter term addresses but the monthly payments are higher. What about the interest rate? 30 year? 15? 20? Closing costs? Discount points? All of these numbers are thrown at you and it’s very easy to get a bit discouraged or even think you’re being railroaded into getting a loan you really don’t want or need. Mortgage companies and banks spend a lot of money on marketing. It’s the mortgage company that seeks to make an impression. But here’s the kicker...mortgage companies and banks can spend jillions of dollars on ads but it’s the loan officer that handles the transaction.
A bad loan officer can cause all those ad dollars to fly out the window. Or, you can apply on-line with a major national lender and your application is farmed out to a centralized processing center two or three times zones away. Not your best option, in my opinion. You will want a face and a name of someone you can work with. Someone with a solid track record who’s been in the lending business for a long time and has a good reputation. Here’s where the referral process comes into significant play. When seeking referrals, don’t ask for some lenders. Instead, ask for some loan officers. Get two or three. Ask your Realtor for some names. Your agent should have a list of several loan officers that they have worked with in the past. When a Realtor gives you a referral, it’s because the track record is there.
A loan officer whose name and/or business card is handed out has earned the trust from the agent to not just give you a solid loan program but will hand-walk the loan application from start to finish. You want an advisor whose fiduciary responsibility is to you…This is why it’s the loan officer that matters more than who the lender is.
If you’re looking to buy or sell real estate call
Mike Buder at RE/MAX 10 (708) 418-4444, E-mail: HYPERLINK “mailto:mikebuder@ remax.net”mikebuder@remax.net, Website: HYPERLINK “http://www.BuderHomes. com”www.BuderHomes.com or Facebook
Friend request Mike Buder: your comments are always welcome.
Mike Buder
A local Christian Businessman
The RESIDENTIAL POSTAL CUSTOMER Subscribe to The Shopper for just $20 a month! Email requesters@myshopper.biz See Mailing Notice on Page 5 SHOPPER DELIVERED TO YOUR DOOR Find us on Facebook! 708 774 9087 CALL A QUALIFIED LOCAL EXPERT! S E R V I N G T H E S O UT H SU B U R B S F O R 25 YE A R S ! Call Janice 708-302-8585 Janice Minton-Kutz Licensed Indiana & Illinois (708) 302-8585 Cell janice.mintonkutz@cbexchange.com Residental BROKER AGI Buying or Selling in Illinois or Indiana? OIL CHANGE $10 SAVE • Change Motor Oil • Replace Oil Filter • Lubricate Chassis • Fill Washer Fluid • Wash Windshield • Reset Oil Light Indicator Provide Reminder by Mail • Provide Window Sticker for Next Service • Provide FREE Tire or Fluid Checks Anytime INCLUDES: WE CHECK: Air/Cabin Filters • Transmission Fluid • Power Steering Fluid • Brake Fluid • Antifreeze/Coolant Tire Pressure • Battery • Exterior Lights • Wiper Blades Most Cars Not Valid With Any Other O fer. Exp: 6/30/23 NS10 Find Us At TheDukeOfOil.com Locations: • Hobar t • Hammond (2) • Valparaiso • Munster • Highland (2) • Merrillville (2) • Calumet Cit y • South Holland COUPON ON ANY #1 Source For FREE Community Info. ForkliFt operator training Where: Oak Forest Center 16333 S. Kilbourn Ave Oak Forest, IL 60426 When: Saturday March 18, 2023 8:30am-4:30pm Saturday April 1, 2023 8:30am-4:30pm Saturday April 15, 2023 8:30am-4:30pm Wed - Thur April 19 & 20, 2023 5:00pm-9:00pm Cost: $179.00 For more information contact Gervaise Edwards at (708) 596-2000, ext. 5723 or email gedwards@ssc.edu South Suburban College WEI Sponsored Program, Free for Qualified Applicants! Advantage CARPET UPHOLSTERY, & AIR DUCT CLEANING 708-349-6131 No Hidden Changes Most Furniture Moved Deep Soil Extraction FREE Pre-Spotter FREE Deodorizer Truck Mount Unit Quick Drying Time Insured & Bonded All Work Guaranteed SPECIALIZING IN SAFE, HIGH-QUALIT Y CLEANING FOR YOUR • CARPET • UPHOLSTERY • AIR DUCTS No Personal Checks ANY ROOM DEEP CLEANED $2000 WHOLE HOUSE DUCT CLEANING Removes up to 96% Of All Dust, Dirt, Pollen, Mold Spores & Animal Dander A+ Rating with BBB A+ Rating with Angie’s List UPHOLSTERY CLEANING CHAIR $15 Unlimited Registers Single Furnace Home LOVE SEAT $30 2 CUSHION SOFA $35 3 CUSHION $8500 Per Room • 2 Room Minimum • L-Shaped and Great Rooms Count as 2 Get HELP with DEBT We consolidate All Your Debts Into 1 Low payment SAVE 100’S each month! Bad Credit OK! Call 877-422-4557 John 3:16 Read The Shopper online! issuu.com/ myshopper Personal Trainer to the Real Estate Consumer
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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.
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Real Estate Specialists Real Estate Questions & Answers
CATHY & JIM HIGGINS
Question: I am getting into the real estate investing business. I am in the process of buying/selling real estate for little or no money down. Since contracts are already prewritten and are fill in the blanks, I see no need to go with a real estate broker. Do you have information on writing a “win/win” contract for real estate investing?
Answer: Real estate transactions are held together by written agreements accepted by both buyers and sellers. The act of acceptance suggests that each side is getting something from the deal, so all agreements can be seen as “win/win” arrangements.
When I hear that someone wants a “win/ win” agreement for real estate investing and no money down I instantly wonder why the agreements used generally by local real estate brokers are somehow insufficient for this purpose -- and why some investment gurus suggest avoiding real estate brokers altogether.
Perhaps it’s the definition of “win/win” that’s confusing -- some people see “win/ win” as a code expression which really means one of the parties is accepting terms which are hugely unfavorable.
Financial tips for blended families
SUBMITTED BY PATRICK ZAMKIN
Becoming part of a blended family can certainly be rewarding. Of course, as is the case in all families, there will be challenges, one of which is financial. A blended family must deal with some specific financial issues, so it’s a good idea to become familiar with them.
In particular, consider these areas:
• Separate or joint accounts? – Should your two family units combine all your finances or maintain separate accounts? There’s no one correct answer for everyone, because this issue has emotional and psychological components to it, as well as financial considerations. But the nature of your new, blended family might guide you to a choice that makes sense for your situation. So, for example, if you are remarrying at a later stage in life, and you and your new spouse have adult children, you might think the best move is to keep separate accounts. But if you are joining households with a spouse or partner with younger children, you may want to merge accounts to pay for household expenses and work toward your new, shared financial objectives. And it doesn’t have to be an “either-or” approach — you might decide to blend some accounts and keep others separate.
• Debts and credit ratings – It’s likely that you and your new spouse or partner, and perhaps even some children, will bring debts into your blended family. As these debts can affect your family’s finances in several ways, including your ability to borrow and your credit ratings, you will want to know what everyone owes, and the amount of monthly payments needed to meet these obligations. After that, you may be able to find ways to consolidate debts or find other ways to reduce or eliminate them.
• Legal issues – When you establish a blended family, you may want to review, and possibly update, the beneficiary designations on your life insurance policy and retirement accounts, such as your IRA and 401(k). These designations can supersede instructions you may have left in your estate planning documents — including your last will and testament — so it’s important to ensure they reflect your current wishes. And speaking of your estate plans, you may well need to revise them, too, in consultation with your attorney.
• Attitudes toward money – Attitudes toward money — yours and those of your new spouse or partner — should be addressed when starting a blended family. Is one of you more of a saver while the other spends more freely? As investors, does one of you favor taking more risk while the other is more conservative? It’s important to reconcile these differences as best you can, especially if you plan on merging your finances. This means that you both may need to compromise somewhat, but you should strive to avoid having either of you feeling uncomfortable in your choices. In any case, open and honest communication is the first step in achieving a harmonious financial strategy. These aren’t the only financial considerations involved with blended families, but they should give you some things to think about — and the earlier you start thinking about them, the better.
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.
As to “no money down” transactions, the VA loan program has offered such financing for five decades. No “win/win” contracts are needed by qualified buyers to obtain such financing. These days, non-VA, zerodown-payment mortgages are pretty much impossible for borrowers to get.
Given that real estate agreements routinely have localized requirements, the best approach is to speak with a local broker or attorney to obtain specific forms.
Since you wrote for advice, let me give you a little bit more. If you want a real “win/win” real estate investment business, then be sure to use a real estate broker and attorney for all your real estate transactions. Successful people have knowledgeable team members behind them.
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
HAVE IT.
page 2 April 12, 2023 Say I saw it in The Shopper
3651 Ridge Road, Lansing 708-895-2630 219-972-2630 any large 16” pizza $2OFF $3OFFany super 18” pizza YOU LOVE IT. YOU
IT. OR Must mention coupon when ordering. Not good with any other offer. Expires 6/30/23 YOU GOT TA
HOME FOR SALE $329,900 630.660.6056 CALL Low Taxes • Low HOAs • Handicap Accessible RANCH VILLA IN ROCKWELL SUBDIVISION 1800 sq ft • Single Dwelling • 2/3 Bedrooms BY OWNER • DYER, IN
WANT
Financial Advice Column
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LOCAL CHURCHES
CALVARY COMMUNITY CHURCH
16341 South Park Ave., South Holland 708-339-1133
Info@CalvarySouthHolland.org
CalvarySouthHolland.org
PASTOR ALFONZO SURRETT, SR.
GRACE LUTHERAN CHURCH, LCMS
8303 Sheffield Avenue Dyer, IN 46311 (219) 322-6527
gracedyer.webchicago.net
JESUS LIGHTHOUSE OF LOVE
INTERNATIONAL MINISTRIES
19058 Burnham Ave, Lansing 312-206-1833
facebook.com/JLOLMinistries
Heart Smart
RICHARD ZEKVELD
The Sunday after Jesus died, a group of devoted women showed up at Jesus’ grave. They came to honor their deceased Lord with spices, just as we honor our deceased loved ones with flowers.
But that morning two men startled the women with a question. “Why do you seek the living among the dead?” (Luke 24:5b). This question makes it sound like the women were doing something foolish. From our perspective, what they were doing made sense. When a loved one dies on Friday and gets buried in a tomb, that’s the obvious place to go on Sunday morning.
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
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
Bible
FIRST CHURCH (PCA) 3134 Ridge Rd, Lansing 708-474-9610
www.firstchurchpca.org
ASSISTANT PASTOR DANIEL MILLER
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
&
PASTOR EL CID ZOLLICOFFER
PASTOR SHONNI ZOLLICOFFER
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
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
But what if the dead man had told you more than once that he didn’t plan to stay in the grave long? What if he had told you that he was going to get up and get out in a few days? What if everything he said was always accurate and all his predictions came true? What if he was an extraordinary person who routinely did extraordinary things, like calm raging storms and raise the dead? What if all the evidence pointed to the fact that he was God’s Son, the long-awaited Messiah?
Jesus had told them, “The Son of Man must suffer many things and be rejected by the elders and chief priests and scribes, and be killed, and on the third day raised” (Luke 9:22, ESV). In this case, it didn’t make sense to look for Jesus in a graveyard.
But let’s not be too hard on these women. How often we forget the truths of the gospel and God’s promises to us when we are overwhelmed by anxiety, trials, guilt, or grief. Like these women, we need to remember what Jesus said. We need to remember and believe.
Christ is risen!
Richard Zekveld, Pastor, Covenant Fellowship Church (cfcsh.org)
Say I saw it in The Shopper April 12, 2023 page 3
Sunday Worship 9:30 a.m. Sunday School 11:15 a.m. Saturday
Support Group
2nd
each month at 10:00 a.m.
WORSHIP SERVICES
Women’s Grief & Loss
-
Sat.
Sunday...........................................
a.m. Monday...........................................6:30 p.m. Bible Study Sunday 10:30 a.m.
WORSHIP SERVICES
9:00
WORSHIP SERVICES Sunday........................................... 11:00 a.m. Wed. Service on Facebook.............7:30 p.m. Women of Worship via Zoom 3rd Sat. @ 12 pm
SUNDAY Church School 9:15 a.m. Worship Services 10:30 a.m. WEDNESDAY Bible Study…… 7:00 p.m.
7:30 a.m. 11:00 a.m. Wed.
Study Noon
Sunday Worship
Morning Worship 9:30 a.m. Sunday School 11:00 a.m. Evening Worship 5:30 p.m.
5:30 p.m. Sunday School
a.m.
Sunday 9:30 a.m.
11:00
TO BE ADDED, EMAIL ERICAW@MYSHOPPER.BIZ
AM
a.m. Sunday School 10:45 a.m. Channel 6 Tues. 10:00 a.m. Invite yourcommunity to church. Join The Shopper’s Church Directory by calling 708-333-5901 Attend the church of your choice. VERSE OF THE WEEK I have told you these things, so that in me you may have peace. In this world you will have trouble. But take heart! I have overcome the world. — John 16:33 LICENSED IN BOTH IL & IN! Janice Minton-Kutz 708.302.8585 Realtor Michael Cavoto 708.372.0712 Senior Mortgage Banker WE MAKE BUYING & SELLING EASY Read The Shopper online! issuu.com/myshopper
WORSHIP SERVICES Sunday 9:30
LIBRARY HAPPENINGS
Calumet City Public Library
Address: 660 S Manistee Ave, Calumet City, IL 60409
Phone: (708) 862-6220
Email: info@calumetcitypl.org
Website: http://www.calumetcitypl.org/index.html\
Dolton Public Library
Address: 14037 Lincoln Ave, Dolton, IL
Phone: 708-849-2385
Email: lincoln@doltonpubliclibrary.org
Website: www.doltonpubliclibrary.org
Virtual Story Time with Mrs. Brooks
Come and join in the story time with Mrs. Brooks. For ages 3 - 12. FREE. Every 1st Wed. (10am – 10:30am) To register for the Virtual Story Time go through the calendar of events on our website at www.doltonpubliclibrary.org
Virtual Zumba
with licensed instructor Yvette Roberts. Come and join in the fun every Friday at 5pm. Please call 708-849-2385 or email lincoln@doltonpubliclibrary.org and leave your full name, email and phone number to register. (5pm –6pm every Friday). FREE.
AMONG US
Every 2nd and 4th Tuesday (4pm to 4:30pm)
Ages 10 + years, beginning Oct. 10, 2022. To register go to the calendar of events on our website www.doltonpubliclibrary.org OR email us at lincoln@doltonpubliclibrary.org
Leave your name, email and cell number. You must download “Among Us’ on your device to play. It is free. A Zoom link and game code will be sent the day of the program. FREE.
Virtual Line Dancing with “Dawn the Dancin’ Deeva”
Every Thursday, at 6pm. Please call 708-8492385 or email lincoln@doltonpubliclibrary. org and leave your full name, email and phone number to register. A link will be sent to you the day of the program. FREE.
Virtual Senior Yoga
Every Wednesday taught by Dionne Arnold, Certified Yoga Instructor, (4pm to 5pm) Please call 708-849-2385 or email lincoln@doltonpubliclibrary.org and leave your full name, email and phone number to register. FREE.
Senior Bridge Club
Come out for the fun every Tuesday, from 3:30pm to 4:30pm 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. FREE.
DPLD’s Black Author’s Book Club
Meets via Zoom the last Thursday of every month at 7:00pm. Interested parties contact the library at (708-849-2385) for more information. Meet via Zoom. FREE.
Virtual Workout Program with Sheena Stinson
Get in Shape from Home. Classes held every Monday from 6pm to 6:30pm. Please call 708-849-2385 or email us at lincoln@doltonpubliclibrary.org leaving your full name, email address and cell number to register. A Zoom Link will be sent day of the program. FREE.
Get Up & Move with Simon Says!
Join the Dolton Public Library Youth Services Dept. as we play “Simon Says”. Held every 3rd Saturday of the month from 2pm to 2:30pm starting Oct. 15. A YouTube link will be emailed every 3rd Friday. Register by calling (708-849-2385, ext. 4) or emailing at lincoln@doltonpubliclibrary.org leaving your name, email, cell number and the number of children participating. FREE.
Dolton Public Library District Curbside Times
Monday through Friday [9am to 2pm]. FREE.
Burbio
Burbio is a one-stop free resource to find out about all the Dolton area events and activities. If your group wishes to post your events on burbio contact: groupsupport@burbio.com Sign-up at Burbio.com or download the free android or iPhone app and follow the calendars that interest you. FREE.
Chess Club
Mr. Paul Fritz, Chess Coach. November 3rd to December 12th Every third Thursday, 5:00pm to 5:30pm, via Zoom and chess.com to play. Register at chess.com in addition to registering for the program. Register at lincoln@doltonpubliclibrary.org and leave your name, email and cell # or call (708-849-2385, ext. 4) Date & Times subject to change. Call 708-8492385, ext. 212. A Zoom link will be emailed to you the day of the program. FREE.
Passport to Knowledge
Every first Monday of the month. (3:30 – 4pm). Pack your bags for a virtual trip around the world and learn about other countries and cultures. Register at lincoln@doltonpubliclibrary. org or call (708-849-2385) and leave your name, email and cell number. Come curbside to pick up your Passport Packet prior to departure. The link for Zoom will be emailed prior to the program. FREE.
Coffee and Chat – a Senior Experience
Are you a senior over the age of 60 and want to have conversation with other seniors. Some of the topics discussed are technology and other happenings in our world and community. To register for the program and all the other Senior Programs call (708-849-2385) or email your registration to lincoln@doltonpubliclibrary.org FREE
Between the Pages
A Virtual Story Time. Every third Saturday of the month at 1:30pm.To register call (708-8492385) or email lincoln@doltonpubliclibrary.org and leave your name, phone number and email address. A link will be sent to you. FREE
Creative Craft
View our tutorial on our YouTube page, every 4th Wednesday starting October 26, at 1pm. The link will be provided on our Facebook page. FREE.
Electronics Recycling
Rep. William Davis Earth Day – Free and Open to the Public Small Businesses, Saturday, April 22, 2023 (9am to 12Noon) 1912 W. 174 th St., East Hazel Crest, IL 60429 Computer hard drive destroyed on site. FREE.
Hammond Public Library
Address: 564 State St., Hammond
Phone: (219) 931-5100, ext. 310 or 307
Email: swishl@hammond.lib.in.us
Website: www.hammond.lib.in.us
Harvey Public Library
Address: 15441 Turlington, Harvey, IL 60426
Phone: 708-331-0757x3200
Email: has@harvey.lib.il.us
Website:www.harvey.lib.il.us
FREE online Line Dancing with Dawn the Diva, Tuesdays at 6:30pm
Join Us For Virtual Programs: Each day at 4:00 pm, “stop” in for online family-fun at the Harvey Library. Tuesday: Craft
Wednesday: Story Time Thursday: Bacon Bits & Cooking Tips Monthly Virtual Music Class (Friday, check calendar each month)
Homewood Public Library
Address: 17917 Dixie Hwy Homewood, IL 60430
Phone: (708) 798-0121, ext. 310 or 307
Email: hplhelp@homewoodlibrary.org
Website: www.homewoodlibrary.org/
Lansing Public Library
Address: 2750 Indiana Ave., Lansing IL
Phone: 708-474-2447
Email: shari@lansingpl.org
Website: www.lansingpl.org
Riverdale Public Library
Address: 208 W 144th St Riverdale, IL 60827
Phone: (708) 841-3311
Email: library@rpld.org
Website: www.rpld.org
Community Pantry Food Drive
Open to the public during business hours: Monday -Thursday 10AM to 6PM, Friday 10AM to 5PM, and Saturday 10AM to 2PM “Join our Patrons Helping Patrons initiative by donating non-perishable food items to the new Riverdale Public Library Community Food Pantry. Let’s work together to help others!”
All Things Needlework Club (All Ages)
Every Monday from 12PMto 1:30PM “Stitchers of all skill levels are invited to mingle, learn, and share tips with fellow crafter enthusiasts. Bring your latest project or join in the group project. Limited supplies available.”
Shape Up Exercise Class (Adults/Seniors)
Every Saturday from 11AM-12PM “Enjoy the benefits of strength, flexibility, and relaxation in a fun and social way.”
Tutoring and Downtime (Grades K-12)
Every Tuesday from 3PM to 6PM “Get the homework help you need and afterwards enjoy hanging out with your friends playing games!”
STEM-On-Wheels (Grades K-12)
Every Thursday from 3PM to 5:30PM “Dropin Thursdays at the Riverdale Library for one-of-a-kind STEM enrichment with AAYD’s STEM-On-Wheels team! Homework help will be available as well.”
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.
Ballroom Boot Camp
Ballroom Boot Camp with Arthur Murray Dance Instructors Wednesdays, April 12-26 at 7:00 pm Community Room REGISTRATION REQUIRED FOR 3 WEEKS ONLY! Learn the basics of ballroom dancing.
Crafty DIYs Decorative Candy Jars Monday, April 17, at 7:00 pm Collaboration Space REGISTRATION
REQUIRED
Home Sustainability: Reduce Waste and Recycle
Tuesday, April 18 at 7:00 pm Community Room REGISTRATION REQUIRED Celebrate Earth Day with Kate Carney of the Cook County Dept. of Environment and Sustainability. Let’s discuss how we can create less waste and recycle more. Q&A to follow.
It’s a Mystery-Book Discussion:
Traces of Guilt by Dee Henderson Thursday, April 20 at 2:00 pm Small Meeting Room REGISTRATION REQUIRED
Container Gardening with Kaylynn
Thursday, April 27 at 7:00 pm Community Room REGISTRATION REQUIRED Discover how to create gardening space where there is none.
Computer Classes: Microsoft Word & Google Docs Thursday, April 13 at 7:00 pm Small Meeting Room REGISTRATION REQUIRED Explore the basics of Microsoft Word and Google Docs. Choose which one works best for you! Excel 101 Monday, April 24 at 7:00 pm Small Meeting Room REGISTRATION REQUIRED Use Excel templates to create a simple household budget.
Teen Comedy Improv Night Thursday April 13 th at 6:30pm
Mes de los Ninos at SHPL
Join us for a month-long celebration of children and their families! Thursday, April 6 at 6 pm Juegos Para la Familia Saturday, April 15 at 2pm Peliculias Para la Familia Thursday, April 20 at 6 pm Noche Para la Familia Saturday, April 22 at 2pm Bailar Para la Familia with Mi Amigo Hamlet and Alina Celeste
Friday, April 28 at 11am Fiesta Para la Familia
Thornton Public Library
Address: 115 E. Margaret St. Thornton, IL.
Email: library@thorntonil.us
Website: https://www.thorntonlibrary.org/
Calendar Of Events
Women’s Bible Study
Discover Your Bible with us at Cottage Grove Christian Reformed Church, 166th Street and Cottage Grove Avenue (by the roundabout) in South Holland, Tuesday mornings from 9:45 – 11:00 a.m. beginning on September 13. We will study The First Letter of Paul to the Corinthians. We provide a Nursery for infants and Story Hour for preschoolers to age 5. For information call the church at 331-0391 or Carol at 339-6793. We would love to have you join us!
Golden Times Seniors
I & M Canal Mule Pull Ride
June 28 th , 2023
Cost $50.00 Themed Luncheon August 19 th , 2023 $35.00 50/60’s Celebration Chateau Restaurant There is a required yearly membership fee of $10.00. Please contact me, Jennifer Jones, 219-949-8270 or 219-789-2783
Heritage Quilters Guild Meeting
April 18, 2023 at 7:00 pm Redeemer Lutheran Church 651 E. 166th Street, South Holland
Our guest speaker will be Diane Erdman, from Thyme to Sew in South Bend, IN. Diane will be presenting a program about the Care and Feeding of your sewing machine As always, Sewing Bee will begin at 5:00 pm for members who wish to join us before the meeting. Info:www.heritagequilts.org email: quilting@ heritagequilts.org
page 4 April 12, 2023 Say I saw it in The Shopper Email your library events to general@myshopper.biz
Neighbor 2 Neighbor
JANICE MINTON-KUTZ
FATHER DAVID SIMONETTI AT THE ST. FLORIAN ALTAR ON MAUNDY
THURSDAY: Maundy Thursday (April 6, 2023) was observed during services at St. Florian (Christ Our Light) in Hegewisch. Parishoners were invited to venerate the cross on which Christians believe Christ died 3033 years ago. Maundy Thursday holds great significance in the Christian Calendar during Holy Week. It is the day that commemorates Jesus Christ’s Lasst Supper with his deciples and reminds us of the importance of humility, selflessness and service to others. ***
OMAR MEDELLIN AND HIS LAS VEGAS
TROPHY: The official photographer for the Southeast Viet Nam Veterans is pictured here with a “find” he acquired in a recent trip to Las Vegas, NV where he was attending a nationwide camera show. While there, Omar met up with the star of the former 1970’s cop show called C.H.I.P.S. featuring Erick Estrada. Estrada visited with Omar a while and autographed a framed photo of himself as a young actor in the popular show. Omar also managed to get a picture of the two of them. “Great fun,” he noted. Omar, the SSEVV, photographer goes to the camera convention every year and is a professional in the field. He takes most of the pictures for the newsletter “The Short Timer,” as well as event pictures throughout the year. ***
MISCH BROTHERS IN CALUMET CITY IS THE PLACE TO BE FOR POLISH SAUSAGE:
Pictured here at the doorway of Misch Brothers, 745 Burnham Avenue are Lenny Kulasa, of Griffith, former Commander of VFW Post 8141 and a Viet Nam Veteran, selling poppies in front of the store along with Lee Darrow, an interactive entertainer who joined the crowd to grab up the smoked and fresh Misch Brothers Polish Sausage. At 7:30 a.m. Good Friday, April 7, 2023, there was a line of customers waiting to get in for their “crowning glory sausage” for their Holdiay tables! While collecting for poppies, Lenny talked about his Viet Nam war time as a ‘second seat’ pilot doing bombing raids over Southeast Asia in 4-hour intervals. “They would let us sleep for 2 hours and get us up to go out again for 4 hours,” Lenny remembered. “It was brutal but, we (most of them, anyway) made it back safely. Lenny was talking about the war in Viet Nam in 1968 when he was deployed there. While hearing war stories, Lee enjoyed Lenny’s recollections of his War Time experiences and talked a bit about his own endeavors as an “Interactive Entertainer (Hypnosis, magic and Psychic Shows www. leedarrow.com. ).” Misch Brothers called it quits on Holy Saturday April 8, 2023 when they finally ran out of the delicious smoked and fresh Polish Sausage. ***
JUDY DOMINIAK AND TRESSA O’BRIAN
AT THE APRIL 2023 SOUTHEAST VIET NAM VETERANS MEETING—which took place at the Shed on 106th Street Monday April 3, 2023. Negotiants are underway to get the Shed re-opened as soon as possible. Plans right now include a Chili Cook off and a steak fry at different venues while waiting for the full okay from the City of Chicago to officially reopen. Tressa is one of famed “Sheddies” who populate and decorate the East Side iconic establishment. which became a place for veterans of the Viet War to meet, greet and exchange war stories back in the day. Eternally grateful for their service! ***
SOLLITT YOUNGSTERS AT PLAY: On a sun-drenched Saturday afternoon in the West Beecher town of Sollitt, youngsters play during the annual Easter Egg Hunt. Pictured at center is Sydney Leigh Minton Barry and two playmates playing tag and waiting for the hunt to begin.
EASTER BRUNCH AT BENNETT CURTIS HOUSE IN GRANT PARK: The iconic 18 room mansion located in far surburban Grand Park, Il was the setting for a delightful Easter Brunch Sunday April 8, 2023. Pictured here are Tina Marie Minton, who just celerated her 27th birthday, her daughter Sydney Leigh Minton Barry, Sydney’s Daddy, Joey Barry and friend Jamie Trarant Swain. The family style brunch included all the breakfast favorites and even an omlette station where we could create our own custom omlettes. Bennett Curtis House is opening up again for Mystery Mansion Evenings and other entertainment venues. Visit them at bennettcurtis.com
For inclusion in Neighbor 2 Neighbor, please call Janice at 708-302-8585 or write to her C/O Coldwell Banker, 20 E. US 30, Schererville, IN 46375, or e-mail her at janice.mintonkutz@cbexchange.com
Say I saw it in The Shopper April 12, 2023 page 5
Fill in the blank squares in the grid, making sure that every row, column and 3x3 box includes all digits from 1 through 9.
WORDSEARCH
DOWN
1. An ancient Hebrew unit of dry measure
2. Impertinent
3. Daughter of a sibling
4. With the end toward the observer
5. Applaud
6. A Hindu prince
7. Silly
8. A colored transparent gem
9. A type of jar
10. Bipartite
11. God of war (Greek mythology)
12. Nipple
13. Current
21. French Sudan
25. Refuse to acknowledge
27. Combined
28. Leg (slang)
30. Sea eagle
31. Small fold-up beds
32. Sheep
33. Taxis
34. Wings
35. Repose
36. Immortal
37. Rule
41. A liquor flavored with juniper berries
44. Pamphlet
46. Snake-like fishes
50. Food consumer
51. Extent
53. Utilization
54. An air-filled cavity in the skull
55. Implements
56. Potter villain
57. Television program
58. Vagabond
59. Always
61. Female student
62. Anagram of “Seek”
NATIONAL GRILLED CHEESE SANDWICH DAY – APRIL 12
This day recognizes one of the top comfort foods in the United States. According to food historians, many cultures around the world have enjoyed cooked bread and cheese since ancient times. The US modern version of the grilled cheese sandwich originated in the 1920s. As sliced bread and American cheese became easily available, Americans began making open-faced grilled cheese sandwiches.
SOLUTIONS
page 6 April 12, 2023 Say I saw it in The Shopper
SUDOKU
CROSSWORD SOLVE THE MAZE
Anglo-Saxon slave 5. Baby’s bed 9. Lessen in intensity 14. Agony 15. Alley 16. Stuck 17. Color 18. Partly open 19. Beg 20. Travel along with 22. Excessively quick 23. Doglike nocturnal animal 24. Poet T.S. _____ 26. Carry 29. The Hellenic Republic 33. A senior Catholic leader 38. Not wide 39. Downwind 40. An adult insect 42. Initial wager 43. Type of volcanic rock 45. Radio 47. Small sofa 48. Born 49. Hell 52. Craves intensely 57. Ledge 60. Rise to power 63. A squalid shack 64. Carried away 65. Dwarf buffalo 66. Overweight 67. Sword 68. Large swallow 69. Certainly not the best 70. Cincinnati’s baseball team 71. Nature of being
ACROSS 1.
AMERICAN ASIAGO BLUE BOCCONCINI BRIE BURRATA CAMEMBERT CHEDDAR CHEESE COLBY COLD-PACK COTIJA COTTAGE CURDS FETA GOUDA MANCHEGO PECORINO ROMANO ROQUEFORT SMOKEDGOUDA TALEGGIO
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 CHEESE
Announcements
WOULDA, COULDA, SHOULDA
by Janice R Newman
Not too many of us, if any, can say we NEVER said “WOULDA”, “COULDA”, OR “SHOULDA” for something. Those words are often used to express regret for past actions, missed opportunities, and mistakes. While it’s human nature to reflect on past regrets either to learn from the experience or to make better choices for the future, dwelling on what we would have done, could have been, or should have been can be highly detrimental to our mental health and well-being.
We are instructed by God in Isaiah 43:18 (NASB) “Do not call to mind the former things or ponder things of the past.” God does not want us to dwell on the past as it holds us back from moving forward to what He has called us to do. We become paralyzed and hindered by our past mistakes or coulda that we can’t imagine what the future has in store for us. God does not hold our mistakes or missed opportunities against us, then why should we?
Constantly looking back and regretting our past decisions can lead to feelings of sadness, anger, hostility, anxiety, and even depression. It can also prevent us from living fully and enjoying the present moment. We revert to trying to hold on to the past or worse we stall and don’t move at all. We fail to move forward in a positive direction. Hindsight is 20/20. Looking back, we have a perfect vision of all the woulda, coulda, and shoulda we didn’t do which will lead to the “if only”. Everyone makes mistakes and has regrets. We need to redirect our energies to having an improved vision for the future from learning from our experiences.
Instead of focusing on the past, it’s important to look forward and focus on the present and the future. If you catch yourself looking in the past do not linger there. Acknowledge that it is the past. We learn from past mistakes to take clearer informed
action toward a better future. By doing so, we can live a more fulfilling and meaningful life. Focusing on the past is like stagnating water that occurs when the movement of water stops. The water becomes dangerous and filled with bacteria and fungi. It can be lifethreatening if you consume it. So, like stagnant water, don’t consume your past, you already had it once.
Staying out of the past requires intentional effort, a change in your mindset, and accepting responsibility for past and future actions.
Proverbs 4:25 (ESV) tells us to “Let your eyes look directly forward, and your gaze be straight before you”.
Here are a few strategies that can help you stay focused on the present and moving forward:
1. Learn from the past. Reflect/review the good and bad experiences. Both can be beneficial if you learn from them.
2. Practice gratitude: Be grateful, acknowledge and appreciate the good things in your life. Focus on what you have and not what you lack. Lack is negative and we want to stay positive.
3. Create a vision board: Create a visual representation of what your goals and future will look like when you achieve them. Reflecting on the future is a positive forward movement.
4. Be positive: Surround yourself with positive people and engage in activities and goals that will bring you joy and fulfillment. Don’t hang around with Debbie Downer or be Lot’s wife.
Remember to not dwell in the past, but intentionally live fully in the present and future. You can only learn from the past, and it can’t be changed. Spend time today planning how your future will be and make it so. Y? Why Not!
ywhynotshow@gmail.com
Spring Checklist for Pets -
6 ways to keep your pets happy and healthy
Warmer weather means it’s time to spring clean, get grooming and prepare your pets’ diets to support them through the season.
Keep your furry friends happy and healthy this spring with these six tips from the experts at Zesty Paws, an award-winning pet supplement brand:
Give Skin and Coats a Little TLC: Many pets form winter coats during the colder months to help them stay warm and comfortable then shed the coats in the spring to prepare for warmer temperatures. Some pets may need extra help maintaining their shiny, healthy coats, especially if mats have formed in their fur or if they are breeds that develop a thick undercoat. Professional grooming, at-home brushing and regular bathing can all be helpful ways to speed up the process to remove some of the extra fur and decrease the prevalence of dander, dust and pollen that can attach to fur and skin through the season.
Add Seasonal Allergy Support with Supplements: Just like humans, furry friends can develop and experience seasonal allergies, too.
Giving your pets’ immune systems some extra support can help ease some common allergy symptoms. Supplements like Zesty Paws AllerImmune Bites for Cats and Aller-Immune Bites for Dogs are chewables that provide seasonal allergy support by aiding normal immune functions, skin health and gut flora, and may also help maintain normal histamine levels.
Ease Back into Exercise: The change
in weather means more time for outdoor adventures with your pets, but don’t forget to cool down and warm up as you and your pets ease back into the season. Planning for short, leashed walks and timed play sessions can help your pets gradually prepare their hips and joints for fun, warm weather activities.
Watch Out for Pet Pests: Once temperatures start to rise, the tiny, creepy critters start crawling. Fleas, ticks and other pests can cause serious health concerns for pets. This spring, make sure your pest control programs are primed and ready for added protection. Talk to your veterinarian about the best routine and products for your pets.
Freshen Up Bedding and Bowls: It’s important to keep a clean environment by scrubbing, sweeping and vacuuming regularly to decrease allergens in the home. When you’re tackling this year’s spring cleaning, remember to put your pets’ bedding and bowls on the list, too. Updating or disinfecting your pets’ blankets, litter boxes, toys and other supplies is a good way to keep them feeling safe and comfortable in the home.
Schedule an Annual Vet Visit: Spring is a good time to schedule your pets’ annual vet visits. Make sure they’re up to date on all vaccinations, get their dental health checkups and re-evaluate nutrition plans.
Find more advice for keeping your pet healthy and happy at zestypaws.com.
Say I saw it in The Shopper April 12, 2023 page 7 Prepare for power outages today WITH A HOME STANDBY GENERATOR *To qualify, consumers must request a quote, purchase, install and activate the generator with a participating dealer. Call for a full list of terms and conditions. REQUEST A FREE QUOTE CALL NOW BEFORE THE NEXT POWER OUTAGE (866) 643-0438 $0 MONEY DOWN + LOW MONTHLY PAYMENT OPTIONS Contact a Generac dealer for full terms and conditions FREE 7-Year Extended Warranty* A $695 Value! Call today and receive a FREE SHOWER PACKAGE PLUS $1600 OFF With purchase of a new Safe Step Walk-In Tub. Not applicable with any previous walk-in tub purchase. Offer available while supplies last. No cash value. Must present offer at time of purchase. CSLB 1082165 NSCB 0082999 0083445 1-855-417-1306 SPECIALOFFER
Y? WHY NOT!
KOOPMANS
Delores A. Koopmans, nee Smits, age 90, of South Holland, IL went home to her Lord and Savior on Friday, April 7, 2023. Beloved wife of Simon Koopmans. Loving mother of the late Rhonda (Jeff) Dekker and Keith (Patricia) Koopmans. Cherished grandmother of Joel (Amy) Dekker, Rachel (Robert) Van Der Woerd, Rosalyn (Jim) Fluit, Justin Dekker, Keith (Jaci) Koopmans, Karyn (Shane) Navratil, and Kristi (Ryan) Lindemulder and 16 great-grandchildren. Dear sister of the late Gerrit (June) Smits, late Diane (late Don) Utterback, Allen (Sharon) Smits, and Marilyn (Len) DeYoung. Kind aunt to many nieces and nephews. Preceded in death by her parents Herman and Alice (Eylander) Smits. Delores was loved by many and will be dearly missed.
Visitation Friday, April 14, 2023 from 9:00 A.M. until the time of the funeral service at 11:00 A.M. at the First Orthodox Presbyterian Church, 16248 South Park Ave, South Holland, IL, with Rev. Daniel Svendsen officiating. Interment Oak Woods Cemetery – Wichert, IL. Memorial contributions may be given to Elim Christian Services ( We are Elim. ) or Moody Radio ( https://www.moodyradio. org/stations/chicago ). For further information, please contact 708-333-7000 or visit our online obituary and guestbook at www. SMITSFH.com
MENTE
Joseph N. Mente, age 90, of St. John, IN passed away Wednesday, April 5, 2023.
Beloved husband of the late Marian Erickson Mente. Loving father of Leslie Mente. Dear brother of Evelyn Dundon. Preceded in death by his parents Josef and Hedwig Mente. Joseph was a U.S. Army Veteran of the Korean War. Private services will be held.
DIAZ
Soledad Diaz, age 15, of South Holland, IL passed away on Wednesday, April 5, 2023. Beloved daughter of Francisco and Ma Carmen Diaz. Loving sister of Fatima, Eduardo and Ximena. Soledad was loved by many and will be dearly missed.
Visitation with family and friends will be held on Tuesday, April 11, 2023 from 3:00 – 8:00 p.m. at Smits Funeral Home, 649 E. 162nd St, South Holland, IL. Prayer service Wednesday, April 12 at 9:15 a.m. at the funeral home leaving for a funeral mass at 10:00 a.m. at St. John the Baptist Catholic Church, 15746 Union Ave, Harvey, IL. For more information, please call 708333-7000 or visit our online obituary and guestbook at Smits Funeral Homes.
BERGSTROM
A Funeral Mass for Jim Bergstrom was held on April 11th at St. Julie Billiart Church with Rev. Tirso Villaverde officiating. Mr. Bergstrom was born November 8, 1955 and died April 3, 2023. He was the father of Jimmy and Danielle; grandfather of Matthew; son of Marie née Rago and the late Larry Bergstrom; brother of Bob (Hui), Linda (Howie Boone) Bergstrom, Cathy (Michael) Losito, and the late Cindy Marie Swiderski; uncle and great uncle of many nieces and nephews;. Interment St. Mary Cemetery. Arrangements entrusted to Thornridge Funeral Home(Janusz Family Funeral Service).
708-460-2300 or thornridgefuneralhomes. com
NOLAN
A Funeral Mass for Robert W. Nolan will be held on April 12th at St. Michael Church with Rev. Tom Byrne officiating. Mr. Nolan was born November 17, 1931 and died April 6, 2023. He was the husband of the late Joan M. Nolan nee Waters; father of Robert D. (Melissa) and Michele Nolan; grandfather of Alexander and Abby Nolan; preceded in death by 5 sisters and 6 brothers; uncle of many nieces and nephews. Interment Good Shepherd Cemetery. Arrangements entrusted to Thornridge Funeral Home(Janusz Family Funeral Service).
708-460-2300 or thornridgefuneralhomes. com
DEAL
Mary Deal, nee Kovachi, age 96, of Dolton, IL, passed away peacefully on Thursday, April 6, 2023. Beloved wife of the late Harold E. Deal. Devoted mother of John (Mary) Deal. Cherished grandmother of Michelle Deal and Matthew Deal; greatgrandmother of Nicolas and Nathaniel. Dear sister of Jan (Dinah) Kovachi, late Rosalind Samblis, and the late Florence Goysich. A memorial service will be held Tuesday, April 11, 2023 at 11:00 a.m. at Smits Funeral Home, 649 E. 162nd St., South Holland, IL. Inurnment Holy Cross Cemetery – Calumet City, IL. For further information, please contact 708-333-7000 or visit our online obituary and guest book at Smits Funeral Homes
Members of Indiana Congressional Delegation Advocate for Clean Hydrogen Hub
Members of the Indiana Congressional Delegation recently sent a letter to the U.S. Secretary of Energy expressing support for the Midwest Alliance for Clean Hydrogen proposal for the Regional Clean Hydrogen Hubs funding opportunity.
The letter highlights that “the Midwest provides workforce opportunities in all areas of the hydrogen value chain, including higher education and specialized workers,” and that “with robust and well-established agricultural, manufacturing, and transportation infrastructure networks, the Midwest is the prime central location for the development of new hydrogen technologies and the delivery of hydrogen products into critical sectors throughout the United States.”
A copy of the text of the letter is below and a pdf is attached.
Dear Secretary Granholm:
We are writing to express our support for the Midwest Alliance for Clean Hydrogen (MachH2) proposal for the Regional Clean Hydrogen Hubs Funding Opportunity.
A hydrogen hub in the Midwest offers opportunities to advance an unparalleled, comprehensive hydrogen ecosystem. With robust and well-established agricultural, manufacturing, and transportation infrastructure networks, the Midwest is the prime central location for the development of new hydrogen technologies and the delivery of hydrogen products into critical sectors throughout the United States.
Given the existing strengths across the economy, the Midwest provides workforce opportunities in all areas of the hydrogen value chain, including higher education and specialized workers. Indiana’s premier colleges and universities are primed and ready to develop a highly skilled workforce to build the state, regional, and national economy. People
and families across the United States seek the low cost of living and the quality of life offered in Indiana and the Midwest.
Indiana’s overall energy portfolio continues to become more diversified, culminating into a wide array of reliable, affordable, and increasingly cleaner energy resources powering the Hoosier State. Hydrogen opportunities in the power generation and building heating space are exciting prospects, and we look forward to the evaluation and incorporation of hydrogen into our resource mix as we continue to grow a diversified and well-balanced energy portfolio.
Specifically, the MachH2 Hub proposal would be an opportunity to significantly reduce carbon emissions in the Northwest Indiana region. The region is a concentrated area of globally renowned industries that are vital to the economy of the nation, and it consists of many Indiana communities that have deeprooted relationships with the existing industries in that area. Additionally, this region is within the Chicago area and includes historically disadvantaged communities that would benefit from the MachH2 Hub’s investment.
The MachH2 Hub proposal would provide an inclusive and diverse array of opportunities to advance and accelerate hydrogen not just for the region, but for the entire nation. We ask that you give the MachH2 Hub proposal full and fair consideration within all applicable laws and regulations.
Sincerely,
Sen. Todd Young
Sen. Mike Braun
Rep. Frank J. Mrvan
Rep. Greg Pence
Rep. James R. Baird
Rep. Larry Bucshon, M.D.
Rep. André Carson
Rep. Erin Houchin
Rep. Rudy Yakym III
Get Away Without Going Away
Speaking Of Seniors
Steger Client Messed His Medical Bills
WOODROW WILCOX
On March 27, 2023, I learned how a client from Steger messed his own medical bills because he acted without consulting his insurance agent. The client might have to pay more money because he goofed up Medicare records.
The client bought a very good Medicare supplement policy through our agency. In fact, he bought the best kind of Medicare supplement policy – a Plan F which pays for any medical service that Medicare approves but does not pay entirely.
Then, he went online and bought a Medicare Advantage plan. That automatically killed his wonderful Medicare supplement policy because Medicare stopped paying for medical services. Instead, the Medicare Advantage plan took the claims and started paying only a portion of medical bills. Under the Medicare Advantage plan, the client was required to pay co-pays, deductibles, and other fees when he got medical services.
In the Medicare system, Medicare Advantage plans cancel the flow of medical claims information to Medicare supplement plans. He wanted extra help with medical bills. Instead, he got less help because he
did not know what he was doing and he did not consult his insurance agent who works at our firm. If he had, our agent would have cautioned him not to buy a Medicare Advantage plan.
Because he bought a Medicare Advantage plan, his Medicare supplement plan will not be required to pay on any medical bills since he started the Medicare Advantage plan.
Here is a word of caution. Before you sign for any Medicare related medical insurance plan, consult an insurance agent near you. Medicare related insurance plans are complicated. They don’t all work the same way. The medications that you use or your health history can make different insurance plans treat you differently or cost more money. In this case, our client hurt himself financially. Don’t do the same to yourself.
Note: Woodrow Wilcox is the senior medical bill case worker at Senior Care Insurance Services in Merrillville, Indiana. He has saved clients over three million dollars by correcting medical bill errors. Also, Wilcox wrote the book SOLVING MEDICARE PROBLEM$ which is available through book stores or online.
Family vacations are a great way to bond and take a step back from the hectic schedules that accompany everyday life, but sometimes time or money (or both) make planning an elaborate trip a non-starter.
However, a staycation - a vacation you take right in your hometown (or nearby) - can be much less expensive and fit into nearly any amount of available time with the added bonus of skipping out on potentially stressful travel.
Consider these staycation ideas to take advantage of your local area’s attractions and prove you don’t have to go far to spend quality time together.
Visit local landmarks. Just because it’s not a traditional vacation doesn’t mean you can’t pretend to be tourists. Start by visiting the places you recommend to friends and family from out of town or pick up a city guidebook to uncover hidden spots you may not even know exist. Make a plan to seek out historic sites, visit local landmarks like museums or try an out-ofthe-way restaurant (or two) you’ve never eaten at before.
Camp out in the backyard. Camping doesn’t have to be done far from home. In fact, it can be done right in your own backyard. Pitch a tent
to sleep under the stars and plan a night full of traditional camping activities like roasting s’mores, telling spooky stories by flashlight and trying to identify stars and constellations.
Set up a picnic in the park. Pack a basket with sandwiches, fruit and other treats and head to the park. You can enjoy a casual meal then take advantage of the open space for a family walk or game of tag before retreating to the playground to let the little ones expel any leftover energy.
Have a home spa day. If you’re looking for some relaxation but don’t want to splurge on the full spa treatment, plan an at-home oasis instead. Light some candles, run a bubble bath and break out the facial masks and fingernail polish.
Visit an amusement park. No matter where you live, there’s probably an amusement or water park within driving distance. A quick online search before you arrive can help prepare a strategy for hitting the most popular thrill rides and waterslides while skipping those that may not provide quite the same entertainment value.
Find more tips and tricks for enjoying family time together at eLivingtoday.com.
page 10 April 12, 2023 Say I saw it in The Shopper
5 family staycation ideas that won’t break your budget
Services
AC/HEATING
SERVICES: Summer
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ARE YOU BUYING OR SELLING PROPERTY? WE SPECIALIZE IN DELIVERING RESULTS.
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OVERNIGHT OFFICE
CLEANING AVAILABLE. South Holland Area. Call Randy 708-552-1839
HANDY MAN SERVICE
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LIGHT BULB SERVICE
Will replace your burnt out and broken bulbs - Interior/ Exterior. Also replace Smoke and CO2 Detector Batteries. 219-865-2345
ALL HANDYMAN
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PAINTING SERVICES:
Economy Painting. Interior/ Exterior painting 20% Off. Mention this ad. Walpaper instllation. General dywall repair & installation. Best price guaranteed. Ask for Ed. 708-548-6356 or 708-2885038.
ADG HANDYMAN
Cleaned gutters and repairs, installing new gutters, protectors/cover caps. Never clean gutters again! Unclogging all pipes large and small. 312-8356645/708-250-4752 gholston859@gmail.com
PLUMBING SERVICES:
J.E.M. Plumbing & Sewer , Drain Cleaning Specialist, water lines, pumps, water heater, faucets, toilets, same day service. 219-845-7589 or 708-896-0500
GUTTER CLEANING:
SUPER FLOW Gutter cleaning, Free estimates. Very reasonable. Asl for Rob. No Sundays. 708-877-6860
HOME IMPROVEMENT:
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TREE SERVICE: Maggy’s Tree Service. Tree’s Topped, Trimmed, Removed, Bush Removal, Stump Removal. Walks shoveled. Also Insured Bonded. Free estimates. 708-200-8078
PAINTS OF AMERICA interior and exterior painting, plus carpet cleaning and gutter cleaning. Senior discounts. Call Algie at 708-574-6367
HARP-WILL CLEANING
INC. has several openings for experienced, dependable Home/Office Cleaners with a track record of excellent service. We offer competitive pay. Contact us at info@ harpwillcleaning.com or 708-855-4294.
GUTTER CLEANING. Just a friendly reminder that your gutters need cleaning. Also, for a limited time, we offer a Free Rooftop Inspection at no extra charge. Call today for your free quote 219-8652345
SHELTON’S FIREARM AND SELF DEFENSE LLC
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sheltonsfirearmsandself defense.com Don’t be a Victim, Book A Class Today! “Shelton’s Firearm and Self Defense Training LLC” 708-502-3718
TRIPLE E LAWNCARE Full Service weekly lawn care. Power Raking, Aeration, Fertilization, Bush Trimming/ Removal/ Planting. Erik of Lansing 708-858-1213
DAILY MOVERS 20 miles one way $325-$425 Special 708-940-1378
CORONADO HOME IMPROVEMENTS. Providing home improvement services such as drywall repairs, painting, floor installations, plumbing and electrical services. For free estimates call (219) 902 1017
Wanted
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TUBE TESTERS 70S HIGH POWER STEREOS misc test equipment Tube type stereos old radios no tvs 708 536 8823
WANTED DEGAN OR MUSSER VIBRAPHONE CALL 219-801-0955
IN DESPARATE NEED SMALL CAR FOR 80 YEAR OLD - ECONOMICAL CAR CAN BE DAMAGED IF RUNNING FOR LOW INCOME SR. CITIZ. Does not have to pass emission test if the price is right - Call 219-801-0955
WANTED: 1972 & OLDER CARS & TRUCKS, PARTS, RUNNING OR NOT (and parts) unfinished project and 67-69 Camaros. 708-4399770
WANTED - GARAGE TO STORE MY OLD DODGE CAR. Could use 1 or 2 Stall Garage. Prefer the Lansing area. Call James between 9am and 9pm, 708-460-8308
SOMEONE TO REPAIR A GAS LAWN MOWER. Call or text 708-673-9361
WANT TO BUY A USED 2-CAR (NON-WOOD) GARAGE DOOR. 708.925.2102
IN SEARCH OF OLDER COBRA CB RADIO BASE STATIONS & ACCESSORIES let me know what you have. Dan 312-720-0844HOUSE PHONE, CORDLESS, CALLER ID. Ask for Martha 708-849-4690
US SOLDIER IS DESPERATE IN NEED of a 3 bed house, to rent or rent to buy. Currently paying $2000/mo at Hotel and $209 for storage. Have fixed income of $4000/mo Plus. Call Algie 708.574.6367
PUBLICATION NOTICE OF COURT DATE FOR REQUEST FOR NAME CHANGE (MINORS)
There will be a court date in Cook County on my request, LYNNETTE MARCHELLE RATLIFF, to change the names of my minor children, from MIELLA KENZI CLEMONS to MIELLA KENZI RATLIFF. The court date will be JUNE 2, 2023 at 9:00am at 16501 S. Kedzie Parkway, Markham, IL 60426, in Courtroom 0207, in Cook County. Case number 23M6003189.
SENIOR LOOKING TO RENT 2 OR 3 BEDROOM HOUSE WITH GARAGE. Have Sect. 8, also have 24hr caregiver. Looking in Lansing, Calumet City, South Holland, or Thornton ASAP. Call 708-200-8473. Ask for Carol
WANTED: Electric chainsaws and as many chains as you have. Exterior Brown Paint. 219-801-0955
WANTED: Old Deagan or Musser big bar vibraphones. Any Condition 219-801-0955
Vehicles
2016 FORD F56 STEPUP VAN, RUNS GREAT AND IN GREAT CONDITION!
V10 Propane fueled. Excellent delivery van or convert to a food truck. $28,000 OBO Call 773-9084704 ask for Buddy.
For Sale
MINT CHINA / TROPHY / COLLECTOR WOOD GLASS DOOR CABINET WITH BOTTOM DRAWERS MINT CONDITION PAID OVER $1000 SELL FOR $350
WOOD. DINING TABLE SITS 8 WITH HIGH BACK WOOD CHAIRS PAID OVER $1000 SELL FOR $350. ENTIRE CONTENTS OF HOME $1700. Parents estate....... Call (219) 746 2370 ..... Lansing IL
MORE GREAT DEALS!
Mattresses: twin $88, full $98, queen $138. Bunk beds, futons, day beds $178. 5 pc dinette $179. Sofa LV $495. 4 pc. bdrm $495. Lamps, rugs & more. EZ credit $7,000, 90 days same as cash. or 12mo Installment plan. Free layaway. 708-371-3737 www. factorybeddingfurniture.com
ATTENTION LANDLORDS AND TENANTS BARELY USED CARPET AND PADDING EXCELLENT QUALITY varies sizes colors and grades. Vinyl flooring excellent paint interior and exterior 708-596-0255
GE DOUBLE OVEN STAINLESS STEEL $1100 OBO in great condition self cleaning, whilpool dish washer stainless steal$350 obo , black electric top stove top $300 obo stainless steel deep double sink $85 708-536-3228
Real Estate
APARTMENT FOR RENT
THORNTON - NEAR SHOPPING, SECOND FLOOR SPACE, new fridge new new bath and carpets call for appointment 708-462-7028
SMALLER TWO BEDROOM HOME. South Holland. $950 plus security. Redone, appliances, large living room, quiet area, big deck with nature views. Application fee. Outside parking. 708-268-7075
HARVEY 2 Bds 2nd floor, 1 bath, A/C, Appl included, 1 month rent, 1 month security, no pets. 708-362-7887, 708-527-4477
LARGE, NEWLY DECORATED 3 BEDROOM Apt, 2 baths in Calumet City. Sec 8 welcomed. 219-2139556
SOUTH HOLLAND HOME. 1 ROOM FOR RENT, FEMALE SENIORS WELCOME. Utilities Included, Refrigerator and Microwave Included. No Section 8 or Smokers, or Pets. 708-566-1103 Call Linda.
at 16501
Markham, IL 60426, in Co
roo
0207, in Cook County. Case number 23M6003113.
Help Wanted
FULL TIMETELLER,RELIABLE, FRIENDLY,PROCESS TRANSACTIONS, BALANCE CASH DRAWER, ABLE TO COMMUNICATE WELL WITH OTHERS. Basic computer knowledge Mon-Fri including SaturdaysHigh school or equivalent. Benefit package. $13 per hour. Serious applicants only. Apply by application in person. Sherwin Williams Credit Union. 16230 Prince Drive, South Holland, IL 60473
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
LICENSED CHILD CARE HOME IN HAMMOND INDIANA LOOKING FOR HELPER . 9:30 a m to 6:30 pm. Monday Through Friday, $13 hour. 219-588-1763
Health/Personals
If you or a loved one were diagnosed with OVARIAN cancer after use of TALC products such as BABY POWDER or SHOWER TO SHOWER, you may be entitled to compensation. Contact Charles H. Johnson 1-800-535-5727
Misc.
Earthwise power washer PW1500E , used once, $75.00..Bookcase, light oak, 4’by 4’, sturdy, excellent condition..$25.00 708-6454245
Ethan Allen Wingback Chair - $70; 6 Feet long “Haywood-Wakefield” Bench $100; Occasional Squire 26” dark wood 2 tier table - $50. 708-481-6907
1 Maple Color Kitchen Cabinet with 1 door, 3 shelves inside. 33.5”h x 16.5”w x 18”d - $25, Black Vanity, 2 door with white sink, 33”h x 24”w, x 19”d$50; Solid Oak Medicine Cabinet with Beveled Mirror, 4 Shelves inside. 26” x 16” $30, Pedistal Sink, new - $50; Whirlpool Over the Stove Microwave - $75. Call 708-481-6907
Baby changing table excellent, walnut , $25.00, Jitterbug flip phone, estate, $45.00, Ladies suede skirt, patchwork, long, rust, size 12... $25,00 .... 708-6454245
2 Eddie Bauer Feather Mattresses (Twins) $35 each 708-481-6907
Surefit sofa covers, $25, loveseat covers, $20, large chair covers, $15. 708-4816907
Full size futon mattress cover, new, $20. 708-481-6907
Duvet covers, asst sizes, $7 - $15ea. 708-481-6907
Bed spreads, blankets, quilts, comforters, sizes from twin to king, $15 - $30ea. Pillows, $5 - $10ea. Decorative throw pillows, $5 - $10ea. 708-4816907
Bed sheets: Twin size, $2ea. Full size $3ea. Queen size, $4ea. King size, $5ea. 708-481-6907
Say I saw it in The Shopper April 12, 2023 page 11 $0 MONEY DOWN + LOW MONTHLY PAYMENT OPTIONS Contact a Generac dealer for full terms and conditions Prepare for power outages today WITH A HOME STANDBY GENERATOR REQUEST A FREE QUOTE CALL NOW BEFORE THE NEXT POWER OUTAGE (855) 337-6786 *To qualify, consumers must request a quote, purchase, install and activate the generator with a participating dealer. Call for a full list of terms and conditions. FREE 7-Year Extended Warranty* – A $695 Value! C ONN E C T S FREE INTERNET Qualify today for the Government Free Internet Program CALL TODAY (855) 524-9518 Bonus offer: 4G Android Tablet with one time co-pay of $20 ACP program details can be found at www.fcc.gov/affordable-connectivity-program-consumer-faq YOU QUALIFY for Free Internet if you receive Medicaid, SNAP, Housing Assistance, WIC, Veterans Pension, Survivor Benefits, Lifeline and Tribal. PUBLICATION NOTICE OF COURT DATE FOR REQUEST FOR NAME CHANGE (MINORS) There will be a court date in Cook County on my request, MICHELLE U. KOGER, to change the names of my minor children, from GABRIELLE MARIE LAWS to GABRIELLE MARIE LAWS The court date will be JUNE 2, 2023 at 9:00am
S. Kedzie Par
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Classifieds Submit your classified ad online at myshopper.biz or email general@myshopper.biz FIND YOUR NEXT HOME IN THE SHOPPER!
Produce Shopping on a Budget - 5 strategies to save on fresh fruits and veggies
Cooking meals that bring your loved ones joy is often objective No. 1 but creating those flavorful favorites on an appropriate budget is an important aspect of well-rounded, familyfriendly recipes. A few simple steps, like developing good grocery shopping habits, can put smiles on hungry faces without leaving a dent in your finances.
Consider these tips from the experts at Healthy Family Project along with its produce partners, which are on their 2023 Mission for Nutrition to improve access to fresh produce that’s essential in alleviating many public health and personal wellness challenges. This year’s partners are striving to be part of the improvement efforts by donating funds to increase the accessibility to fruits and vegetables in schools through the Foundation for Fresh Produce.
Make a List (and Stick to It)
When buying fresh produce, remember some items have a shorter shelf life. Limiting purchases to items on your list can help lower grocery spending while alleviating food waste.
Buy Local Transportation cost is one of the biggest factors in the price of produce, meaning buying local, when possible, can help reduce your total at checkout.
Stock Up on Seasonal Produce
Although you can generally find any produce item at any time of year, this isn’t always an affordable practice. Knowing when your favorite fruits and veggies are in-season can save you money and allow you to use the freshest ingredients in family breakfasts like ProteinPacked Sausage Breakfast Muffins and Savory English Muffins.
Know Your Produce Department
The front or feature table of the produce department often offers the best deals. Don’t forget to look at the end caps on each produce aisle, which sometimes display seasonal items.
Befriend the Produce Manager
Throughout each week, a “hot buy” may come into the store that didn’t make it into the weekly ad. This happens with items at the end of their seasons, in particular, or if a crop is doing well. Chat with the produce manager at your local store and he or she may inform you of special prices.
Find more grocery savings strategies and family-friendly recipes at HealthyFamilyProject. com.
Protein Packed Sausage Breakfast Muffins
Recipe courtesy of Healthy Family Project
Nonstick cooking spray
1 sweet onion, diced
1 pound turkey sausage
4 eggs
1/2 cup shredded cheddar cheese
1 cup protein pancake mix
Preheat oven to 350 F. Spray 12-cup muffin pan with nonstick cooking spray. Set aside.
In skillet over medium heat, cook sweet onion until translucent. Add turkey sausage and cook until no longer pink. Remove from heat.
In large mixing bowl, lightly beat eggs. Add shredded cheese, pancake mix and cooked sausage; mix well.
Fill prepared muffin cups about 3/4 full with mixture. Bake 18-20 minutes, or until golden brown on top.
Savory English Muffins
Recipe courtesy of Healthy Family Project English muffins
guacamole cherry tomatoes
1 tablespoon cilantro, finely chopped
1 tablespoon light cream cheese
1 tbsp crumbled turkey sausage, sauteed
1 egg
1 tablespoon basil, finely chopped
1 tablespoon balsamic glaze
Toast English muffins and top with desired combinations of toppings, such as: guacamole, tomatoes and cilantro; cream cheese, tomatoes and turkey sausage; or egg, tomatoes, basil and balsamic glaze.
Sand Ridge Audubon Society
Meets April 14
The monthly meeting of the The Sand Ridge Audubon Society will be held at Sand Ridge Nature Center, 15891 Paxton Avenue, South Holland, starting at 7 p.m. The Sand Ridge Audubon Society is an environmental organization dedicated to conservation of birds and their habitats, as well as promoting other nature-related causes and activities.
Our presentations and field trips are free of charge, though membership to the Society is always encouraged.
Author Carrie Steinweg will be speaking at the April 14 meeting of the Sand Ridge Audubon society talking about some of her numerous books, giving them a local twist, and the food blog she and her sister launched 12 years ago. Carrie is a freelance writer, photographer, author and food and travel blogger who was raised in the south suburbs. She lived in Lansing for 30 years and now resides in Northwest Indiana. She’s an avid Cubs fan who most enjoys writing about food, people, history and baseball.
BIRD HIKE AND UNDERGROUND
RAILROAD HISTORY - SATURDAY, MAY 6
Saturday, May 6, 2023; 8:30 am to 11 am
Meet at 8:30 am - leave for the hike at 9 am
Place: Beaubien Woods Forest Preserve (near 138th % Bishop Ford I-94 Expressway)
Flatfoot Lake Pavilion (see Google Maps: Flatfoot Lake · Chicago, IL 60633
Sponsored By: Sand Ridge Audubon Society and Little Calumet River Underground Railroad Project
Learn about the local history of the Underground Railroad while observing a wide variety of native birds as well as migratory species that visit our area each spring.
Coffee, juices, fruit, and rolls served 8:30-9
- Dress for the weather; boots suggested -
For further information, contact Karen at (219) 776-0444
page 12 April 12, 2023 Say I saw it in The Shopper ROOFING CONCRETE Brian Caputo’s SouthWest Concrete Commercial & Residential Concrete Specialist of • Driveways • Sidewalks • Patios • Garages • Stamp & Color • Decorative Concrete Overlay FREE SPECIAL Free concrete sealer with purchase of new concrete 708-514-0457 Brian BBB Accredited • 5 Star Rating cuputossouthwest construction.com HEATING & APPLIANCE REPAIR MAN #1 Priority is Servicing your Heating, Refrig., Washer, Dryer, Stove. FREE FREE FREE service charge with same day repair. $25 discount on all repairs. CALL AL AT 708-985-1623 APPLIANCE REPAIR DECORATING ECONOMY PAVING • Drive Ways • Parking Lots • Bonded & Insured • Owner Supervised 708-481-1380 ASPHALT PAVING FLOORING 2681 Route 394 Crete, IL 60417 (708) 672-6111 SENIOR LIVING/CARE HANDYMAN NEIGHBORHOOD CONTRACTOR All types of Roofing, Siding & Gutters, Sofit & Fascia, Insurance Work Residential /Commercial IL & IN Licensed & Insured Free Estimates 708-333-8951 219-319-0993 Matejko Family Owned for 45 Years GUTTERS • Seamless Alum. Gutter Installations • Leaf Relief Covers • Minor Exterior Repairs • Gutter Cleaning 219/201-6966 THE GUTTER GUY PAINTING & CLEANING PAVING & SEALING CALL THE SHOPPER TO HAVE YOUR BUSINESS ADDED! 708-333-5901 CALL THE SHOPPER TO HAVE YOUR BUSINESS ADDED! 708-333-5901 PROFESSIONAL PAINTING & CLEANING TEXT OR LEAVE MESSAGE 219-577-2935 DANNY G. PRODUCTIONS PERFORMANCE PAVING & SEAL COATING CALL FOR A FREE ESTIMATE 708-476-5680 219-872-2184 Mr.Fix-It 708-895-5433 708-429-7479 SPECIAL•SPECIAL•SPECIAL MENTION THIS AD BACK TO BASICS REPAIRS DONE RIGHT ALL MAJOR APPLIANCES [HEATING & AC ESTIMATES AVAILABLE] TREE SERVICE MAGGY’S TREE SERVICE. • Tree’s Topped, Trimmed, Removed • Bush Removal, • Stump Removal • Walks shoveled Insured & Bonded. Free Estimates 708-200-8078 Problems R Solved HANDYMAN SERVICES General Repairs Drywall Basic Carpentry Painting Basic Electric Plumbing Holes, Cracks & Seams in Drywall SENIOR DISC OUNTS FREE E STIMA TE S Call 773-897-9464 VANDERWIELDES Window and Screen Repair • Table Tops • Patio Doors • Thermal Panels • Store Fronts 708-474-0049 WINDOWS & SCREENS TRANSPORTATION Riverdale Transit Bus Shuttle Owned and Operated by Riverdale Taxi Casino and Hotel Shuttle 15 Passenger Shuttle 708-288-5038 FREE ESTIMATES INTERIOR • EXTERIOR Coronado Remodeling & Decorating, Inc. Quality Work at a Fair Price • Complete Remodeling • Bathrooms & Kitchens • Ceramic Tile • Drywall Repair • Paint • Installs Fences Hector (cell phone) 708-692-7357 Over ten years experience in South Suburbs, References Available Watch Our Videos at www.youtube.com/ users/coronadodecorating MOVING AUTO SALVAGE DAILY MOVERS & CLEAN OUT SERVICES 20 miles one way $325-$425 Special Call for clean out estimates! 708-940-1378 Running or not, with or without title. *FREE TOWING* Turn that old car into cash. Call or text today for a FREE QUOTE. 773-617-7308 Paying Top Dollar - Fast pick up. G’s & Construction • Supply & Installed • Service Openers • Broken Springs, Cables • Entry & Storm Doors FREE ESTIMATES CALL 708-323-5954 Garage Doors GARAGE DOORS WE BUY JUNK CARS CALL 773-647-7948 Robert J. Jr. Laminate Flooring GUTTER CLEANING Super Flow Gutter Cleaning Free Estimates Very Reasonable ASK FOR ROB 708-877-6860 Rob’s Tuckpointing Chimney & Brick Repairs Gutter Cleaning No Job Too Small. Very Reasonable. Call For Estimate 708-877-6860 TUCKPOINTING LAWN CARE R-A Lawn Care & Landscaping Calumet City • Power Raking • Aerating • Clean Ups • Seeding • Fertilizing • Gutter Cleaning • Grass Cutting • Edging • Re-Sodding • Evergreen Trimming • Snow Removal FREE ESTIMATES 708-969-1176