The Shopper 5/29/2024

Inspiring Triumph over Tribulation: Stories of Resilience on National Cancer Survivor Day

Chicago, IL – May 23, 2024 – One disease. Eight women. An endless admiration for one another.

As the world prepares to celebrate National Cancer Survivor Day on June 2nd, the eight women behind the American Cancer Society’s 2024 ‘Portraits of Hope Chicago’ Ambassadors stand in solidarity with each as other courageous survivors of breast cancer. In a stirring display of resilience and determination, these brave individuals are taking center stage this spring to get the word out about prevention and awareness. They are not doing it alone.

“This past year has shown me the magnitude of my own strength and the depths of my courage. Now it is time to channel that strength into helping others,” said Lindsey Johnson, a Portraits of Hope Chicago Ambassador and sales professional. “My story is not unique, but I hope that in sharing it others will feel less alone in their journeys.”

These remarkable individuals, hailing from diverse backgrounds, neighborhoods, and experiences, embody the spirit of hope and resilience. They are the faces of triumph over adversity, united in mission to spread awareness, igniting change. Each have their own experiences to share on National Cancer Survivor Day.

“After enduring 16 rounds of chemo, a lumpectomy, and radiation, I am still mentally healing two years later,” said Rumaisa Rahman, also an Ambassador and life coach. “I’m sharing my story to encourage others to prioritize their mammograms. Everything else CAN wait!”

National Cancer Survivor Day is a poignant celebration of life, resilience, and the enduring spirit of those who have faced cancer. It serves as a beacon of hope, honoring survivors while offering support and encouragement to those currently battling the disease. On this day, the women behind Portraits of Hope Chicago (pending availability) would like to come together to celebrate milestones, share stories of triumph, and reaffirm their commitment to the fight against cancer.

Through unity and compassion, they want to remind our communities in Chicago facing a cancer diagnosis that they are not alone in their journey. Together, they stand as a testament to the power of perseverance and the promise of brighter days ahead – and hopefully – as survivors.

About Portraits of Hope

Portraits of Hope empowers individuals affected by breast cancer to inspire others and promote awareness of screening and prevention methods. Through photography, storytelling, and community engagement, Portraits of Hope aims to create a world where breast cancer is no longer a threat to future generations.

About Making Strides Against Breast Cancer

Making Strides Against Breast Cancer Chicago is the largest network of breast cancer events in the nation, uniting communities with a shared determination to end breast cancer. Through fundraising walks, events, and initiatives, Making Strides Against Breast Cancer supports groundbreaking research, provides support to patients and survivors, and advocates for lifesaving screenings and treatments.

PCCTE High School Fire & Rescue Program Students Graduates

Valparaiso, Indiana – The MAAC Foundation is proud to announce the graduation of its dedicated and hardworking Fire and Rescue Program students. This year’s graduating class has shown exceptional commitment and perseverance, completing a rigorous curriculum that combines academic studies with handson training in fire and rescue services.

The graduation ceremony will take place on May 29, 2024, at 6:00 PM CST at The MAAC Foundation. The event will honor the achievements of these outstanding students who have demonstrated both academic excellence and practical skills in fire safety, emergency medical response, and disaster preparedness.

“The graduating class from the Fire and Rescue High School Academy has shown remarkable dedication and resilience,” said Celina Weatherwax, President & CEO of the MAAC Foundation, “Their rigorous training has prepared them to face the challenges of fire and rescue services with courage and professionalism.”

“Teresa and I extend our deepest gratitude to the MAAC Foundation for their unwavering support in helping to shape the next generation of firefighters.” Said Robert Schulte, Fire & Rescue Services, “Thanks to their commitment and state-of-theart training facility, our program has empowered over sixty-five young men and women to become state-certified fire and hazmat responders, enabling them to serve with dedication in local volunteer and career fire departments.”

The Fire and Rescue High School Program provides students with a comprehensive education in firefighting and emergency response, preparing them for service in fire departments, emergency medical services, and related fields. Through handson training, classroom instruction, and real-world experiences, students develop the skills, knowledge, and leadership qualities necessary to succeed in demanding and rewarding professions.

About the MAAC Foundation:

The MAAC Foundation, First Responder Training Campus is transforming the landscape of First Responder training across Northwest Indiana, the state, and the country. With a comprehensive, inclusive campus, they provide access for all First Responders - EMT personnel, firefighters, law enforcement officers, and K9 officers - to train at their state-of-the-art facility at no cost. The MAAC is a top provider of safety, emergency preparedness, and response training with more than 15 buildings, such as classroom space, residential structures, a live burn building, a flashover chamber, and a 4-story tower. Additionally, the facility boasts over 40 tactical props spread across 30+ acres. For more information about the MAAC Foundation and how to help make a safer community as a first responder or community member, visit www.maacfoundation.org to learn about our services or volunteer.

An independent newspaper serving this area since 1957. ©The Shopper 924 E. 162nd Street • South Holland, IL 60473

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Crack A Whip On Medicare

We need a President and a majority in Congress to CRACK A WHIP ON MEDICARE. That is what over 21 years of helping senior citizens has taught me. When a senior citizen joins Medicare and gets a Medicare supplement insurance policy or other coverage, Medicare starts a file on that senior. The problem is that when Medicare gets the information, it does not record that information right away. It lags in doing its essential work.

Likewise, when a senior citizen shops for a better or less expensive Medicare supplement policy or other Medicare related policy and switches to a different company, often Medicare does not update the file for months or years.

That is so unfair to senior citizens. Here is why. When that happens, the senior is paying for insurance that does not work because Medicare lags in updating the senior’s file. The insurance company that the senior has does not get the claim information from Medicare to pay a claim. The medical service provider starts to hound a senior citizen to pay the balance that the insurance company did not pay because it never got the claim information from Medicare. This unfairly causes stress on the senior.

We have computers now. Why can’t Medicare update its records within three business days? It is because no one in the federal government cares about a problem that seniors have because of a lack of

SUBMITTED BY PATRICK ZAMKIN

If you own a business and you offer a 401(k) or similar retirement plan to your employees, you’ll want to stay current on the various changes affecting these types of accounts. And in 2024, you may find some interesting new developments to consider. These changes are part of the SECURE 2.0 Act, enacted at the end of 2022. And while some parts of the law went into effect in 2023 — such as the new tax credit for employer contributions to start-up retirement plans with 100 or fewer employees — others were only enacted this year.

Here are some of these changes that may interest you:

• New “starter” 401(k)/403(b) –If you haven’t already established a retirement plan, you can now offer a “starter” 401(k) or “safe harbor” 403(b) plan to employees who meet age and service requirements. These plans have lower contribution limits ($6,000 per year, or $7,000 for those 50 or older) than a typical 401(k) or 403(b) and employers can’t make matching or nonelective contributions. These plans are low-cost and easy to administer but the credit for employer contributions doesn’t apply, as these contributions aren’t allowed, and since start-up costs are low, the tax credit for these costs will be correspondingly lower than they’d be for a full-scale 401(k) plan.

• Matches for student loan payments

– I t’s not easy for young employees to save for retirement and pay back student loans. To help address this problem, Congress included a provision in Secure 2.0 that allows employers the option to provide matching contributions to employees’ retirement plans (401(k), 403(b), 457(b) and SIMPLE IRAs) when these employees make qualified student loan payments. Of course, if you offer this match for student loan payments, your costs will likely increase, although these matching contributions are tax deductible. In any case, you may want to balance any additional expense with

the potential benefit of attracting and retaining employees, particularly those who have recently graduated from college.

• 401(k) eligibility for part-time employees – Part-time employees who are at least 21 years old and have at least 500 hours of service in three consecutive years must now be eligible to contribute to an existing 401(k) plan. The inclusion of parttime employees could lead to higher business expenses for you, depending on the amount of contributions you may make to employees’ plans. Again, though, you’d be offering a benefit that could be attractive to quality part-time employees.

• Emergency savings account –Many people, especially those who don’t earn high incomes, have trouble building up emergency funds they can tap for unexpected costs, such as a major home or car repair or large medical expenses. Now, if you offer a 401(k), 403(b) or 457(b) plan, you can include a pension-linked emergency savings account (PLESA) that allows non-highly compensated employees to save up to $2,500, a figure that will be indexed for inflation in the future. PLESA allows for tax-free monthly withdrawals without incurring a 10% tax penalty. PLESA contributions are made on an after-tax (Roth) basis and must be matched at the same rate as other employee contributions. You may want to consult with your tax and financial professionals to determine how these changes may affect what you want to do with your retirement plan. The more you know, the better your decisions likely will be.

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.

good, responsible management by federal government officials and contractors. If they can’t do the job correctly, why not fire them (or the contractor companies) and replace them with others who want to do the job in a correct and timely manner?

The day that I wrote this article, a senior citizen from Crown Point brought to me a medical bill from a local hospital. The hospital wants to be paid the balance owed on several dates of service. I checked with the Medicare supplement insurance company. Medicare had not sent any claims to the insurance company for several months. The dates of service for the senior ranged from August 2023 through February 2024. Medicare failed to send any of the five claim episodes to the senior’s Medicare supplement insurance company. The insurance company stands ready and willing to pay the claims but it can’t get the federal agency managers, employees, and contractors to do their jobs in a professional and timely manner. So, why do we keep these Medicare workers employed?

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

South Suburban College Wins 3rd Place in The Times “Best of the Region 2024” for Best Adult Educational Institution

South Holland, IL – May 20, 2024 – South Suburban College (SSC) is thrilled to announce that we have won 3rd place in The Times “Best of the Region 2024” for Best Adult Educational Institution! A ginormous thank you to everyone who voted for SSC. We are honored to be chosen as one of the top winners in this category.

Winning this award validates our continuous endeavors in being committed to providing exceptional support and resources to our students. At SSC, we strive to create an enriching learning environment that caters to the needs of adult learners, helping them achieve their

educational and career goals.

Once again, thank you to all who supported us. We look forward to continuing our mission of delivering high-quality education and making a positive impact in our community.

For more information, please contact Dr. Kellie Martin, Executive Director of Public Relations via email at kmartin@ssc.edu or call Ext. 5846

Thank you once again to everyone who voted for us. We are proud to be recognized as one of the best adult educational institutions in the region!

Speaking

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

PASTOR WYBREN OORD

Morning Worship 9:30 a.m.

Sunday School 11:00 a.m.

Evening Worship 5:30 p.m.

FIRST ORTHODOX PRESBYTERIAN CHURCH OF SOUTH HOLLAND

16248 South Park Ave., South Holland

708-333-8211

www.firstchurchsh.org

PASTOR REV. DANIEL SVENDSEN WORSHIP SERVICES

Sunday 9:30 a.m. & 5:30 p.m. Sunday School 11:00 a.m.

GRACE LUTHERAN CHURCH, LCMS

8303 Sheffield Avenue Dyer, IN 46311 (219) 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.

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

Heart Smart

JOSH BOOTSMA

Matthew 25 says the Lord will return and separate the sheep and the goats. To the first group he’ll offer a full inheritance, saying they fed him, invited him in, clothed him, and visited him.

Matthew 25:37–40 says, “The righteous will answer him, ‘Lord, when did we see you hungry and feed you, or thirsty and give you something to drink? When did we see you a stranger and invite you in, or needing clothes and clothe you? When did we see you sick or in prison and go to visit you?’

“The King will reply, ‘Truly I tell you, whatever you did for one of the least of these brothers and sisters of mine, you did for me.’”

He’ll curse the second group to the “eternal fire,” explaining that in all the same situations, they didn’t help “the least of these.”

The chapter ends with, “Then they will go away to eternal punishment, but the righteous to eternal life,”

What a powerful admonition to care for the “least of these!”

The Bible tells us that discomfort, sacrifice, and a profound priority for others is crucial to being Jesus-followers — and crucial to one day joining Him in our eternal inheritance. There are many marks of true faith, and God tells us that one of them is love-based sacrifice.

I recently heard Dr. Crawford Loritts speak at the Chicagoland Prison Outreach anniversary dinner. He powerfully said, “Sacrifice is the signature of love.” Sacrifice is what authenticates our love. Sacrifice is love’s true proof. That was true of Jesus Christ as he gave up his spirit on the cross, and it’s true of you and me today.

Josh Bootsma Member, Covenant Fellowship Church cfcsh.org

ST. PAUL’S EVANGELICAL LUTHERAN CHURCH & SCHOOL

8601 Harrison Avenue, Munster, In. 46321 219-838-6720 stplmunster.com

Pastors: Peter Speckhard, Adrian Krebs & Donald Stock

WORSHIP SERVICES: Saturday: 5:30 p.m. Sunday: 8 a.m. & 9:30 a.m. (Nursery available for Sunday morning services)

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

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

BINGO NIGHT.

Starting October 12th, from 3 – 4pm. Held every 2 nd and 4 th Thursday in the Kopac. Please call (708) 849-2385 x3 leaving your full name, email address and phone number or send email to lincoln@doltonpubliclibrary.org to register. FREE

Virtual Zumba

Dolton Public Library District presents

VIRTUAL ZUMBA with licensed instructor

Yvette Roberts. Come and join in the fun every Friday at 5pm. Please call (708)8492385 or email lincoln@doltonpubliclibrary. org and leave your full name, email address and phone number to register. (5pm – 6pm every Friday). FREE

BEGINNERS LINE DANCING with “DAWN the DANCIN’’ DEEVA”

Every Wednesday, from 3pm to 4pm. Please call 708-849-2385 ext. 3 to register, RSVP between Friday, 9am and Tuesday, 4pm ONLY. Leaving your full name and phone number. Held in the Josway Auditorium. FREE

VIRTUAL SENIOR YOGA

Every Wednesday taught by Dionne Arnold, Certified Yoga Instructor, (4pm to 5pm) Please call 708-849-2385 or email lincoln@ doltonpubliclibrary.org and leaving your full name, email address and phone number to register. FREE

SENIOR BRIDGE CLUB

Held every Tuesday, in person, from 3:30pm to 4:30pm.Please register by calling 708-849-2385 x3 or send email to lincoln@doltonpubliclibrary.org and leave your full name, email and phone number to register. FREE

VIRTUAL WORKOUT with SHEENA STINSON

Get in Shape from Home. Classes held every Monday from 6pm to 6:30pm. Please call 708-849-2385 or email us at lincoln@ doltonpubliclibrary.org leaving your full name, email address and phone number to register. A Zoom Link will be sent day of the program. FREE

Get up and Move with Simon Says

Join the Dolton Public Library Youth Services Dept. as we play “Simon Says”. Held every 3rd or 4th Friday from 10:45 to 11:45am starting Oct. 27 th . PLEASE CALL FOR FUTURE DATES. Register by calling (708849-2385, ext. 4) or emailing at lincoln@ doltonpubliclibrary.org leaving your name, email address, phone number and the number of children participating. FREE

Buriobo

Burbio is a one-stop free resource to find out about all the Dolton area events and activities. If your group wishes to post your events on burbio contact: groupsupport@burbio. com Sign-up at Burbio.com or download the free Android or iPhone app and follow the calendars that interest you. FREE

VIRTUAL PASSPORT TO KNOWLEDGE,

Every first Monday of the month from 3:30 – 4pm. Pack your bags for a virtual trip around the world and learn about other countries and cultures. Register at lincoln@ doltonpubliclibrary.org or call (708-849-2385) and leave your name, email and phone number. Come curbside to pick up your Passport Packet prior to departure. The link for Zoom will be emailed prior to the program. FREE

BETWEEN the PAGES: A Virtual Story Time

Every third Saturday of the month at 1:30pm. To register call (708-849-2385) or email lincoln@doltonpubliclibrary.org and leave your name, phone number and email address. A link will be sent to you. FREE

COOKBOOK BOOK CLUB

Will meet in the Josway Auditorium on one Saturday a month, from 11am to 1pm at the library (14037 Lincoln Avenue, Dolton, IL 60419). To discuss the selected cookbook and to taste samples that have been prepared by our members from the recipes within the book. Potential new members please call 708-849-2385, ext. 5 to register leaving your name, email and phone number to get complete details. FREE

Homework Help

GOT HOMEWORK? NEED HELP? For ages 5 – 14yrs, make an appointment with Mrs. Brooks on Fridays or Saturdays by calling (708) 849- 2385 x 4. Sessions are limited to 30 minutes each. FREE

Toddler Time

For young children (18 mos – 4 yrs.) and their caregivers. Every 2nd Tuesday, 10:45am – 11:45am. 14037 Lincoln Avenue, Kopac Room, starting June 6, 2023. To join us, please register at lincoln@doltonpubiclibrary.org leave your name, email address or call at 708-8492385, ext. 4. FREE

Family Game Time

Join us twice a month on Saturday, from 1:00 to 2:30pm for free fun and activities. To be held in the Youth Services department. Call (708) 849-2385 x 4 for future dates. NO REGISTRATION REQUIRED. FREE

Creative Craft

Join Ms. Barbara every 4th Wednesday for a new fun art craft from 3:30 – 4:00 pm in the Kopac Room. NO NEED TO REGISTER KIDS &YOUTH 5-16 YRS. FREE!

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: 564 State St., Hammond

Phone: (219) 931-5100, 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

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.

Tutoring & Downtime

Every Tuesday and Thursday 3:30 – 5:30 pm

Grades: K-8 Receive homework assistance and afterwards enjoy snacks, games and fun.

Let’s Learn Together

Thursday, May 2, 16, and 30 1 – 2 pm

Ages: Adults/16+ Every other week we take on a new journey of learning new creations.

Who Wants To Bingo?!

Monday, May 27 10:30 am – 12:30 pm Ages: Adult Come have some fun with us at our monthly themed Bingo events. St. Patrick themed prizes will be awarded.

Kids Wanna BINGO TOO!

Monday, May 27 4 – 5 pm Ages: Children Come play for fun and get some cool prize bags.

Bookies Book Club

Wednesday, May 29 4 – 5 pm Ages: Adults The Christie Affair by Nina de Gramont. The greatest mystery wasn’t Agatha Christie’s disappearance in those eleven infamous days, it’s what she discovered. Stop in and get your copy at the Circulation Desk.

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.

Thornton Public Library

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

Neighbor 2 Neighbor

The Munoz Family at Commander Restaurant in Munster. Pictured here are Alejandro, Maricela, Adrian and Alejandro Uriel Munoz who graduates from 8th Grade this year. The Munoz family also owns the El Jimador #3 Restaurant in Cedar Lake, Indiana. Congratulations Alejandro jr on his graduation from 8th Grade.

Memorial Day originally called Decoration Day due to families leaving flowers and wreathes on soldier’s graves. Memorial Day is a day of remembrance of the lives that were lost in the defense of our country. Cities all over the USA celebrate Memorial Day Monday May 27, 2024. Great honors to these military men and women who have defended the USA for over 230 years.

Humane society supporters returned to Hard Rock Casino Northern Indiana for the biggest fundraiser in Shelter history. With over 600 guests in attendance and even more bidding on silent auction 0nline, over $249,000 was raised to help homeless shelter pets and orphaned injured wildlife in the Region. During the program, CEO Brian Fitzpatrick announced the upcoming Wildlife Rehabilitation Center expansion—we can be a part of history and support this groundbreaking project. Call 219922-3811 for information. Paws Resale plus book sale, June 15-25!

Look up, look down, migrating birds are all around! Local photographer (and The Shopper editor) Alex Ross has been busy in the woods the last few weeks looking for unusual birds passing through. The following birds were all photographed in NW Indiana over the last few weeks. Identification is included on each photo.

JANICE MINTON-KUTZ

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

ACROSS

1. Like some mushrooms

7. Pertaining to a particular state, not the national government

13. Fur pouch worn with a kilt

14. Bears

16. Protozoan with microscopic appendages

17. Type of archery bow

18. Brews

19. In-box contents

21. The America’s Cup trophy, e.g.

22. Churchill’s “so few”: Abbr.

23. Babysitter’s handful

24. A pint, maybe

25. Woman’s ornamental case for holding small tools

27. Profundity

29. Beehive, e.g.

30. Intensive researchers

32. Open

34. “___ moment”

35. Affranchise

36. Hungarian dance

40. Tannin extract from tropical Asian plants

44. Bank

45. Grief

47. Comparative word

48. Common deciduous tree

49. PC linkup

50. “... ___ he drove out of sight”

51. Cat’s scratcher

53. Bats

55. Astronaut’s insignia

56. Bitter brown seed used in soft drinks

58. Crude stone artifacts

60. Killing oneself

61. Nordic and downhill accessory (2 wds)

62. ___ Monkey Trial

63. Muscular twitching due to calcium deficiency

DOWN

1. Remove body hair

2. Causing grief

3. Western blue flag, e.g.

4. Car accessory

5. Delayed

6. Kind of list

7. Texts of a play or movie

8. Old Chinese money

9. Parenthesis, essentially

10. “How ___!”

11. Medium for radio broadcasting

12. Device used on furniture to avoid wobble

13. Chicken

15. Calm

20. Increase, with “up”

26. Key material

27. Apprehension

28. Relating to the scar on a seed

29. Santa’s reindeer, e.g.

31. Armageddon

33. After expenses

36. Stew holders

37. Devoted

38. Having a pH greater than 7

39. The dissolved matter in a solution (pl.)

40. Dispute

41. To be unfaithful to one’s partner (2 wds)

42. In an unkind manner

43. Anxiety

46. Back muscle, familiarly

52. 1993 standoff site

53. Art subject

54. Bind

55. Palm tree with leaves used for thatching

57. Barely beat

59. On, as a lamp

NATIONAL SENIOR HEALTH AND WELNESS DAY

Always held the last Wednesday in May, National Senior Health & Fitness Day is the nation’s largest annual health and wellness event for older adults.

SOLUTIONS

JUNE IS PTSD AWARENESS MONTH

National PTSD Awareness Month, which takes place each June, ushers in an array of awareness campaigns run for the benefit of PTSD Survivors. PTSD, which stands for post-traumatic stress disorder, occurs in people after they have experienced a particularly traumatic event like war, violent physical/sexual/verbal assault, accidents, and so forth. Symptoms include depression, anxiety, nightmares, paranoia, insomnia, disturbing thoughts, and much more. Many people recover from PTSD after a few days, weeks, or months. Yet, for others, the recovery road might mean one year or more. This mental disorder is treatable, but due to the lack of knowledge about it, as well as the stigma attached to seeking mental help, many choose to ignore the problem and suffer through it.

Some studies suggest that suicide risk is higher among those who experienced trauma due to the symptoms of PTSD. A study from the National Comorbidity Survey, a national representative sample, showed that PTSD alone was significantly associated with suicidal ideation or attempts. A later study by the Canadian Community Health Survey data also found that respondents with PTSD were at a higher risk for suicide attempts. Among people who have had a diagnosis of PTSD at some point in their lifetime, approximately 27% have also attempted suicide. Another large-scale survey found that 24% of military personnel diagnosed with PTSD had experienced suicidal thinking within the past year.

According to the Journal of Emergency Services, a silent crisis is happening worldwide. First responders are quietly suffering because of the stigma surrounding the utilization of mental health services. First responders are approximately ten times more likely to have suicidal ideations and/or attempt suicide compared to the CDC national average.

The 988 Suicide and Crisis Lifeline is a free resource, available 24 hours a day for anyone who is in suicidal crisis or emotional distress. 988 offers a free 24/7 text line where trained counselors support individuals in crisis.

The Jason Foundation is another available resource. The Jason Foundation offers the First Responders Training Module: Addressing Suicide with Youth in the Community and Within the Profession. The goal of this training is to provide First Responders with the knowledge, skills, and resources to enable them to be better able to recognize the signs of concern and elevated risk factors for suicidal ideation in youth within their community, as well as in co-workers and fellow first responders. The training is free and can be found online at www.jasonfoundation.com under the How To Get Involved tab.

TOO MANY PAY DAY LOANS?

Buzzword Ban: ‘Act Your Wage’ Voted

Most Loathed Corporate Jargon by Illinois Employees.

“Cloudstorming,” “Idea Harvesting,” “Strategy Quilting,” and “Hyper-Tasking” are just some of the managerial buzzwords that have gained traction in the corporate sphere in recent years. However, their effectiveness, particularly in motivating employees, is debatable. A manager might use them with the best intentions, but they can often have the opposite effect, often hindering rather than helping, revealing a clear disconnect between managerial speak and employee motivation.

The global outplacement and career development experts at Careerminds.com carried out a survey of 3,000 employees to uncover the most detested corporate jargon used by their managers. The findings? A decisive list of the top 10 business buzzwords that Illinois employees dislike their managers using. Here are the top ten phrases that managers might be wise to retire, complete with all-too-common uses that grate on the nerves:

#1 ‘Act Your Wage’: At the top of the list is this cheeky nugget, which is supposed to remind you to stick to tasks that match your pay grade. It might sound cute at first, but it can also box you into your current role and dim your shine if you’re trying to climb that career ladder and add more value.

#2 ‘Balls in the Air’: This term paints multitasking as akin to a juggler keeping several balls in the air simultaneously. While it’s meant to sound manageable and even fun, it often underplays the real stress and complexity involved in keeping multiple projects moving smoothly.

#3 ‘Change Agent’: A Change Agent drives transformation within an organization. While the role is crucial, highlighting it can sometimes feel like it diminishes the collaborative efforts of other team members, potentially causing frustration when the focus is on a single “hero.”

#4 ‘Effective Accelerationism’: This tech-sounding term is all about speeding things up to see results faster. While it screams ‘innovation’, it often just ends up sounding

pretentious and leaving people out of the loop.

#5 ‘Push the Envelope’: Encouraging employees to exceed normal limits and innovate, this phrase often comes across as a vague directive to “just do more.” Without clear goals or reasons, it can leave employees feeling stressed about uncertain expectations.

#6 ‘Deliverables’: This one turns inspired projects into a soul-sucking checklist. When we reduce our work to just items on a list, where’s the room for passion and creativity?

#7 ‘Bleeding Edge’: It’s the ultimate in innovation-speak, but constantly chasing the next big thing can leave teams exhausted. Not every project needs to be on the frontier of technology, sometimes you just need to get good work done without the hype.

#8 ‘Mission Critical’: Everything feels like a do-or-die mission with this phrase. It’s like saying every single task is a make-or-break moment for the company, which just pumps up the stress levels unnecessarily.

#9 ‘Idea Harvesting’: The process of collecting ideas to solve problems or develop new offerings, idea harvesting can sometimes focus more on the volume of ideas rather than their quality. This emphasis can make employees feel that thoughtful, quality contributions are undervalued.

#10 ‘Spidey Sense’: Borrowed from Spider-Man, this term in tenth place is used to describe a gut feeling that something might be off. While it’s meant to acknowledge intuition, using it in serious contexts can trivialize concerns, making it challenging to voice genuine issues without seeming trivial.

“Managers should take a moment to reassess the language they use in the workplace,” advises Raymond Lee from Careerminds.com. “It’s crucial to recognize that the words we choose can significantly impact team morale and motivation. By opting for clear and meaningful dialogue over jargon, leaders can foster a more inclusive, engaging, and productive environment.”

Classifieds

Services

AC/HEATING SERVICES: Summer Special! Furnaces or A/C’s , Clean & check $59.95. Furnaces, A/C’s, Boilers, water heaters, sump pumps, humidifiers, installations, repairs, furnaces installed from $1495.00 R/D Heating & Cooling. IL. and IN. 219-616-3281

JUNK REMOVAL Time to make space! Cleanouts (garage attic, basement, shed). Hauling away appliances, furniture, trash. WE RECYCLE! Call ‘til 8pm. 708-898-8668

DAVE'S POOL SERVICES

219-269-8627 Complete swimming pool service and repairs, Liner Replacements, Heaters, Installation, & Repairs, Openings, Free back yard designs. FREE ESTIMATES! 10% OFF EARLY BOOKINGS made before May 17, 2024

SMITH PAINTING 30 YRS

EXP FREE ESTIMATES

Mention Sherry, get 5%off job. Call Mike 2197429867

DRYWALL REPAIR: Handy

“All” Drywall Repair, plaster repair, light construction, interior decorating and interior painting. Cell 708-514-0217 phone 708-841-2523. Stanley McDavid

ARE YOU BUYING OR SELLING PROPERTY? WE SPECIALIZE IN DELIVERING RESULTS.

BRUCE MCKINNEY

Call, send a text message, or an emailCell: 708-269-2992, email: bruce@ familypriderealty.comFamily Pride Realty, 3337 W. 95th St., Evergreen Park, IL. 60805

OVERNIGHT OFFICE

CLEANING AVAILABLE. South Holland Area. Call Randy 708-552-1839

HANDY MAN SERVICE Lenord Wilks - Call 1-773-897-9464

LIGHT BULB SERVICE

Will replace your burnt out and broken bulbs - Interior/ Exterior. Also replace Smoke and CO2 Detector Batteries. 219-865-2345

ALL HANDYMAN

REPAIRS Done On The Side to save money! Painting, drywall, tile, concrete patching, doors, roofing, hauling. Very reasonable. Mark 708-408-7192

CONCRETE & PATCHING

Done On The Side to save you money. Also general contracting, handyman work, FHA work & snowplowing. Very reasonable. Call Mark 708-408-7192

PAINTING SERVICES:

Economy Painting. Interior/ Exterior painting 20% Off. Mention this ad. Wallpaper instllation. General drywall repair & installation. Best price guaranteed. Ask for Ed. 708-548-6356 or 708-2885038.

ADG LAWN CARE HANDY

MAN Yardwork, Hedge Trimming, Small Tree Removal, Lot Clearing. Call 312-835-6645 or 773-5586757

AA PLUMBING Sewer

Rodding Large Pipes. Electric Power Rodding, Catch Basins Cleaned, Complete Plumbing Repairs, Water Heaters. Call 312-835-6645 or 773-5586757

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. Ask for Rob. No Sundays. 708-877-6860

HOME IMPROVEMENT: A&A Services services faucets, carpentry locks, fence and gate repair, gutter cleaning, power washing, toilet repairs, wind damage repairs, caulking, rooftop repair. Insured. Free estimates. 219-865-2345

TREE SERVICE: Maggy’s Tree Service. Tree’s Topped, Trimmed, Removed, Bush Removal, Stump Removal. Walks shoveled. Also Insured Bonded. Free estimates. 708-200-8078

JUNK REMOVAL Time to make space! Cleanouts (garage attic, basement, shed). Hauling away appliances, furniture, trash. WE RECYCLE! Call ‘til 8pm. 708-898-8668

PAINTS OF AMERICA interior and exterior painting, plus carpet cleaning and gutter cleaning. Senior discounts. Call Algie at 708-574-6367

HARP-WILL CLEANING

INC. has several openings for experienced, dependable Home/Office Cleaners with a track record of excellent service. We offer competitive pay. Contact us at info@ harpwillcleaning.com or 708-855-4294.

GUTTER CLEANING. Just a friendly reminder that your gutters need cleaning. Also, for a limited time, we offer a Free Rooftop Inspection at no extra charge. Call today for your free quote 219-8652345

SHELTON’S FIREARM AND SELF DEFENSE LLC

www. sheltonsfirearmsandself defense.com Don’t be a Victim, Book A Class Today! “Shelton’s Firearm and Self Defense Training LLC” 708-502-3718

TRIPLE E LAWNCARE Full Service weekly lawn care. Power Raking, Aeration, Fertilization, Bush Trimming/ Removal/ Planting. Erik of Lansing 708-858-1213

DAILY MOVERS 20 miles one way $325-$425 Special 708-940-1378

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

83 yours old vet looking for Two bad room house for rent with garage. Algie 1708 574 6367

Wanted: socialization with deaf, hard-of-hearing, sign language interpreters and sign language students to improve sign language skills, willing to meet at South Holland library. Ms. Brown 708-224-3463

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

LOOKING FOR AN ELECTRIC DRYER, can pick it up, call 708-882-3712

LOOKING FOR A TEACHER FOR MAKING SILVER JEWELRY and sodering. Pay negotiable. 708-882-3712

WANTED NEW OR USED CHILDREN’S BOOKS FOR FAMILY LITERACY DAY. (November 16) 708-9908002 Angiemjames409@ Gmail.com

WANTED DEGAN OR MUSSER VIBRAPHONE CALL 219-801-0955

IN DESPARATE NEED SMALL CAR FOR 80 YEAR OLD - ECONOMICAL CAR CAN BE DAMAGED IF RUNNING FOR LOW INCOME SR. CITIZ. Does not have to pass emission test if the price is right - Call 219-801-0955

WANTED: 1972 & OLDER CARS & TRUCKS, PARTS, RUNNING OR NOT (and parts) unfinished project and 67-69 Camaros. 708-4399770

WANTED - GARAGE TO STORE MY OLD DODGE CAR. Could use 1 or 2 Stall Garage. Prefer the Lansing area. Call James between 9am and 9pm, 708-460-8308 IN SEARCH OF OLDER COBRA CB RADIO BASE STATIONS & ACCESSORIES let me know what you have. Dan 312-720-0844

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

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

HELP WANTED

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

LICENSED INDIANA 24 HOUR CHILDCARE HOME LOOKING FOR AFTERNOON AND NIGHT HELPERS. Must pass fingerprints etc, FULL OR PART TIME 13.00 A hour 2195881763

Real Estate

MODERN 1 BED APT

owner pays gas $925 one month security Calumet City 708-288-5358

Lansing, IL, 2bdrm., 1bath, 2ND flr. Seniors welcome. 17710 S. Commercial Street. Includes free heat. gas. appl.. A/C. Private prkg. 1 mon. + sec. Avail/ immediately. $1100. Call Larry 312-4050697

Health/Personals/Misc.

HERNIA REPAIR? Did you recieve the Mesh Patch Between 2018 and the present? Was the patch removed due to complications, you may be entilted to compensation. Attorney Charles Johnson 1-800-535-5727

Vehicles

SELLING 2008 CHEVY AVEO,GREAT CAR FOR $2,500 GREATWORK CAR. 86,000 miles well maintenance new tire ,brakes serious inquiries Maverick, 708 985 5062!

2008 MAZDA TRIBUTE GRAY SUV. Runs good, rust around wheels. 156k miles. $4,500. 708-510-3366

I’M LOOKING TO BUY A 2017 FORD FUSION HYBRID SE loaded with low mileage no other cars. 219-669-7392

2001 MERCEDES-BENZ ML 320 RUNS GOOD , ENGINE AND TRANSMISSION IN GOOD CONDITION. Little rust on the door panels. Asking price is $2,800 or best offer. 708-606-1523

Pets

Senior with medical problems seeking good loving home for Female Shepard 6 years old. Free. 7083551034

FREE GOLDEN RETRIEVER PUPPIES TO FOREVER HOMES! 1 MALE,1 FEMALE. Excellent temperament! House trained with very good trainable natures & perfect for families with children and other pets! Please email me first at: staceymcclelland8@gmail. com and Text (312) 9327651

Garage Sales

BIGGEST GARAGE SALE OF THE YEAR! HIDDEN TREASURES4U ANNUAL SALEThursday May 30thSunday June 2ndFind what you’re looking for and more…Rare and Antique items (100+ year old items) New and Unused items (Brand New Sealed Items) Collectible items (Rare Collections)Electronics and Appliances Clothes & ShoesToysAnd more…Items Won’t Last Long At These Affordable Prices.Don’t Miss Out On Your Treasure!Shop With Us At:1310 E. 168th Pl.South Holland, IL 60473

For Sale

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

Assorted Corning Ware $3-$5ea. Pyrex Bowls and Bakeware $3-$5 a Piece; Champagne and Wine Glasses (Crystal) $2 ea; Crystal Wine, Liquor Decanters $15-$25; Vintage Madame Alexander doll, “Degas” girl #1575 in original box, wrist tag and stand, $45. 708-481-6907

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. 708-481-6907

Left over Trex Deck

Materials:Deck Panels 4ft Rope Swing over 20 panelsConceaLoc ½ box TimberTechTrap Ease 2 ½” Screws: [Rope Swing and Spiced Run/Coastal Bluff] Mounting Hardware Kit parts (partial)Balusters: 10 white square 36” eaJoist tape[(708)895-2647]

White Cast Iron double sink $20. (708-895-2647) Weather Tech cargo liner fits Suburu Legacy or similar car (708-895-2647)2 Sets of car rugs: front and back seats (708-895-2647) 60 inch TV $80 (773-552-1428).

G.E. Profile refrigerator, white , 24 cu. ft. excellent condition . Redecorating. $135.00. Baby changing table walnut frame. $25.00. 708-645-4245.

For Sale Round outdoor patio table glass and tile top 4 swivel chairs bar height good condition $200.00

Fisher-Price Power Wheels Barbie Jeep. In original box. Excellent condition. Needs battery and charger. $50 Call or text 708-673-9361

Black and Decker electric lawn mower.Great condition. $110Call or text 708-6739361

Hose reel carts. Various sizes made by Suncast. Very good condition. As low as $9 each. Call or text 708-673-9361

Push lawn mower. Excellent condition. $35 Call or text 708-673-9361

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

There will be a court date in Cook County on my request to change my name from DEBBIE MOTA to the new name of DEBBIE GALLARDO. The court date will be JULY 15, 2024 at 9:00am at 16501 S. Kedzie, Markham, IL 60428, in Courtroom 207, in Cook County. Case number 24M6005144

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

There will be a court date in Cook County on my request to change my name from BILLY LEMONT HARMON to the new name of WILLIAM LEMONT HARMON. The court date will be JULY 16, 2024 at 10:00am at 16501 S. Kedzie, Markham, IL 60428, in Courtroom 208, in Cook County. Case number 24M6005344

LANDMAN

Everett James “Jim” Landman, age 83, of St. John, IN, formerly of Dowagiac, MI, went home to his Lord and Savior on Tuesday, May 21, 2024. Beloved husband of Lillian Landman, nee Trenning. Loving father of James (Debbie) Landman, Deborah (Keith Sheffer) Landman, and Kenneth (Susan) Landman. Cherished grandfather of eight grandchildren and 12 greatgrandchildren. Dear brother of William (late Joanne) Landman and the late Robert Landman. Kind uncle of numerous nieces and nephews. Preceded in death

by his parents Taco “Henry” and Mary Landman. Jim and Lil were members of Napier Parkview Baptist Church in Benton Harbor. He had a passion for leading as many people as possible to Christ. Jim was loved by many and will be dearly missed.

Visitation Saturday, May 25, 2024 from 9:00 a.m. until the time of the funeral service at 10:30 a.m. at Smits Funeral Home 2121 Pleasant Springs Lane, Dyer, IN, with services conducted by Rev. Dan Golladay. Interment Chapel Hill Gardens South – Oak Lawn, IL. Memorial contributions may be given to Moody Bible Institute (www.moody.edu).

High cocoa prices challenge Illinois chocolatiers

By PHYLLIS COULTER FarmWeek

Amy Wertheim never thought she would be affected by pirates and drought in Africa, but the third-generation, central Illinois chocolatier is experiencing just that. Luckily, her business also includes growing specialty crops and selling meals online, because the high prices of chocolate ingredients are tough to manage these days.

“Chocolate pricing has increased by more than 300% in the last three months,” she said, attributing the hike mostly to droughts in Africa. The Ivory Coast and Ghana region, which is in extended drought, produces more than 70% of the world’s cocoa, the owner of RGW Candy Co. in Atlanta noted.

Cocoa futures have more than doubled since the start of the year because of the drought in the main cocoa-producing areas. At the same time, ships traveling from Africa are being attacked and held for ransom. Usually, the owners get their ships and contents back but must pay large ransoms, she said. That also boosts the price of chocolate.

“Droughts and pirates are making my life miserable right now,” the Logan County businesswoman said.

On May 13, the price increases slammed Wertheim when she needed to buy chocolate for a large order for May 16.

“I normally pay $329 to order 100 pounds and it was $727 or close to $800 with shipping,” she said.

“I didn’t have a choice,” she said of buying the ingredients but added that she did get a discount from the supplier which has served the family well for 75 years. She was able to buy the chocolate and complete the big order for her customer who agreed to a higher price up front.

“We really try to hold the line,” Wertheim said.

She still uses 1908 recipes and makes everything from scratch with minimal ingredients and no preservatives, which customers tell her they are willing to pay for because they like the flavor.

Wertheim said the past few months with rising prices have been “very upsetting”. She hadn’t felt this way since 2017 when her father died and the business fell on her shoulders. “I’ve been around the business since I was 18 months old,” she said of the responsibility she feels for the “family legacy”.

RGW Candy Company will temporarily have minimal chocolate at the store, but she will be back in full force in September for caramel apple season.

While the chocolate takes a backburner, she will concentrate on her herb and spice farm and Wertheim’s Gardens which are the most profitable part of her operation now. For years, chocolate was the moneymaker with her farm business supplementing it.

She uses her garden-grown ingredients to make dishes including baked spaghetti, enchiladas and homemade pasta sauces, which she sells through Market Wagon to be delivered to homes in central Illinois and the St. Louis area.

Wertheim said being a Harvest Host is also a profit-adder. Through the program, RVers stay at the farms, vineyards and other businesses, and in return they shop at their businesses. For another central Illinois chocolate store, the timing is right for their annual summer shutdown. “We are unique in that we close for the summer,” said Zach Meyer owner of Minonk Chocolate Company.

Summer closings have been a tradition since his family took over the business. The original chocolate business started in Minonk in 1915; Meyer’s mother and aunt ran it from 1995 to 2021.

The Minonk shop will reopen the Tuesday after Labor Day, said Meyer, who expects prices will remain high.

“We will take it as it comes,” he said.

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.

May is Mental Health Awareness Month. Hold someone’s hand.

Giannoulias Announces Teen Summer DMV Program

For the first time ever, the Illinois Secretary of State’s office is dedicating DMV services exclusively for teen drivers every Saturday during the summer at select facilities, Secretary Alexi Giannoulias announced today.

The Teen Summer DMV initiative, which includes opening 12 additional DMVs on Saturdays from 8 a.m. to 12:30 p.m. June 1 to Aug. 31, will cater exclusively to helping teens get their driver’s licenses or permits quickly and conveniently. The effort is part of Giannoulias’ modernization plan to create efficiencies and reduce wait times.

Questions & Answers

Question: My home has been listed for 6 months now and we have had only one offer which was way lower than I would accept. My Real estate agent says my home is overpriced. Even the Internet home value site says my home is underpriced. I will include my address for you to look it over. I don’t think the Internet advertising is cutting it. I think there are better ways to market my home.

Answer: Let’s get one thing straight –you have better odds of seeing the Man on the Moon than getting an accurate price from an Internet home value site! The fact of the matter is these home value estimate sites are all over the board.

You need to sit down with your Broker and have them go over their marketing plan for your home. If your home is marketed correctly, it will fetch a higher price, but not an unrealistic price. This is a 100 percent true statement, but that doesn’t mean crazy marketing ideas make homes sell for more. I have reviewed your homes position in the local market. The internet isn’t “cutting it” because your home is priced $20,000 higher than it should be! The internet will

not sell overpriced homes and neither will a full page ad in the Chicago Tribune! Buyers are knowledgeable. The only thing buyers will see with all your ads is “overpriced home.”

The market value of your home has nothing to do with ‘outside the box’ real estate marketing. Marketing is all about visibility and attracting the right kind of buyer. With an effective marketing plan, your home listing will find its way in front of thousands of well-qualified buyers. Good marketing will display all the best qualities and pictures of your home and encourage potential buyers to look further into the listing and to schedule a viewing. But good marketing does not change the value of your home. If your home is overpriced the best marketing in the world won’t sell it.

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

“Teen-only DMVs provide working parents, who can’t take time off work during the week to shuttle their child to a DMV, a convenient weekend option where they can make an appointment without waiting,” Giannoulias said. “Getting your first driver’s license is an exciting milestone, and we want to ensure the experience is as easy as possible for Illinois teens and their parents.”

To raise awareness, Giannoulias is promoting the Teen Summer DMV program through social media, letters to parents and their teens who will be eligible for a driver’s license this summer and community engagement with high schools.

During teen service hours, the office will also have a selfie station for newly licensed drivers and will provide important information on data protection, such as making sure the driver’s license number and address are covered when posting to social media. The locations offering teen hours will use geolocation features on social media to provide a filter specific to the program.

State law requires teen drivers and a parent or guardian to visit a DMV in person to complete testing and identity verification prior to receiving their first driver’s license. Illinois DMVs experience an influx of customers during the summer months, especially among teen drivers who make the switch from an instruction permit to a driver’s license.

Parents and teens can call (800) 252-8980 to schedule an appointment at any of the 12 DMV locations.

The designated teen service hours will make an additional 1,000 appointments per week available to accommodate the nearly 9,000 current permit holders who become eligible for a license this summer. The Teen DMVs will also

free up appointments during the week for those needing in-person DMV visits.

Teen service hours will be offered at the following locations: Addison; Aurora; Bethalto, Belvidere, Bridgeview, Chicago West; Des Plaines; Elgin; Joliet; Lake Zurich; Plano; St. Charles.

The DMV facilities were chosen based on data revealing the highest percentage of teen drivers and the state’s busiest facilities. In addition to the Teen Summer DMVs, 15 other DMVs operate on Saturdays, including two of the largest facilities in the state located on the North and South sides of Chicago. Teens are welcome to make appointments at those facilities on Saturdays as well.

Teen drivers interested in obtaining their first license will be scheduled for 10-minute appointments if they have already completed the required behind-the-wheel driving tests through their high school or commercial driving facility. If they need to complete a driving test at a DMV, they will be scheduled for a 30-minute appointment. Teens who need driving permits can also schedule an appointment to take a written test.

Any unfilled appointments during teen service hours will become available to the general public at 7 a.m.

During teen service hours, information will be provided geared toward new drivers, including details about the restrictions related to a graduated driver’s license (the license for those under 18 years of age), the dangers of distracted driving and how to become an organ donor.

Along with a big smile for their driver’s license photos, new drivers will need to bring the following to the DMV:

• Their logbook for their instructional permit.

• Their blue and white road test waiver form from their high school if they have one.

• Their birth certificate.

• Their physical Social Security Card.

• Two proofs of address forms, such as school transcripts or their parent’s driver’s license or ID card. While teen drivers are not required to hold a REAL ID-compliant driver’s license, they are encouraged to apply for one during these designated teen hours. A list of REAL ID requirements is available at realid.ilsos.gov.

CATHY & JIM HIGGINS

7530 LUCERNE DRIVE, MIDDLEBURG HEIGHTS, OHIO 44130. (440) 572-1511. ILF2303009 INTERCOUNTY JUDICIAL SALES CORPORATION intercountyjudicialsales.com I3244607

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

FREEDOM MORTGAGE CORPORATION Plaintiff, -v.UNKNOWN HEIRS AND LEGATEES OF TERRY R. SNODGRASS SR., UNKNOWN OWNERS AND NONRECORD CLAIMANTS, BRANDI SNODGRASS, TERRY RANDOLPH SNODGRASS, JR., AMIR MOHABBAT, AS SPECIAL REPRESENTATIVE FOR TERRY R. SNODGRASS SR. (DECEASED)

Defendants 2022 CH 10177 18106 CHARLEMAGNE AVE HAZEL CREST, IL 60429

NOTICE OF SALE

PUBLIC NOTICE IS HEREBY GIVEN that pursuant to a Judgment of Foreclosure and Sale entered in the above cause on March 21, 2024, an agent for The

Commonly known as 18106 CHARLEMAGNE AVE, HAZEL CREST, IL 60429

Property Index No. 28-35-408-039-0000

The real estate is improved with a residence. Sale terms: 25% down of the highest bid by certified funds at the close of the

to The Judicial Sales Corporation. No third

checks will be

transfer, is

The

in

twenty-four (24)

is subject to

against

and is offered for sale without any representation as to quality or quantity of title and without recourse to Plaintiff and in “AS IS” condition. The sale is further subject to confirmation by the court.

Upon payment in full of the amount bid, the purchaser will receive a Certificate of Sale that will entitle the purchaser to a deed to the real estate after confirmation of the sale.

The property will NOT be open for inspection and plaintiff makes no representation as to the condition of the property. Prospective bidders are admonished to check the court file to verify all information.

If this property is a condominium unit, the purchaser of the unit at the foreclosure sale, other than a mortgagee, shall pay the assessments and the legal fees required by The Condominium Property Act, 765 ILCS 605/9(g)(1) and (g)(4). If this property is a condominium unit which is part of a common interest community, the purchaser of the unit at the foreclosure sale other than a mortgagee shall pay the assessments required by The Condominium Property Act, 765 ILCS 605/18.5(g-1).

IF YOU ARE THE MORTGAGOR (HOMEOWNER), YOU HAVE THE RIGHT TO REMAIN IN POSSESSION FOR 30 DAYS AFTER ENTRY OF AN ORDER OF POSSESSION, IN ACCORDANCE WITH SECTION 15-1701(C) OF THE ILLINOIS MORTGAGE FORECLOSURE LAW.

You will need a photo identification issued by a government agency (driver’s license, passport, etc.) in order to gain entry into our building and the foreclosure sale room in Cook County and the same identification for sales held at other county venues where The Judicial Sales Corpora-

tion conducts foreclosure sales.

For information, examine the court file, CODI-

LIS & ASSOCIATES, P.C. Plaintiff’s Attorneys, 15W030 NORTH FRONTAGE ROAD, SUITE 100, BURR RIDGE, IL, 60527 (630) 794-9876

THE JUDICIAL SALES CORPORATION

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

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

CODILIS & ASSOCIATES, P.C.

15W030 NORTH FRONTAGE ROAD, SUITE 100

BURR RIDGE IL, 60527

630-794-5300

E-Mail: pleadings@il.cslegal.com

Attorney File No. 14-22-07691

Attorney ARDC No. 00468002

Attorney Code. 21762

Case Number: 2022 CH 10177

TJSC#: 44-822

NOTE: Pursuant to the Fair Debt Collection Practices Act, you are advised that Plaintiff’s attorney is deemed to be a debt collector attempting to collect a debt and any information obtained will be used for that purpose.

Case # 2022 CH 10177

I3244733

IN THE CIRCUIT COURT OF COOK

COUNTY, ILLINOIS

COUNTY DEPARTMENT - CHANCERY

DIVISION

PRIME ASSET FUND III, LLC Plaintiff, -v.JOHN LYDON, SPECIAL REPRESENTATIVE OF RENEE INGRAM PERKINS, DECEASED, ILLINOIS HOUSING DEVELOPMENT AUTHORITY, UNKNOWN OWNERS AND

NON-RECORD CLAIMANTS, UNKNOWN HEIRS AND LEGATEES OF RENEE INGRAM, DWAIN PERKINS,

NOTICE

Biden-Harris AdministrationAnnounces Additional $7.7 Billion in Approved Student Debt Relief for 160,000 Borrowers

The Biden-Harris Administration announced today the approval of $7.7 billion in additional student loan debt relief for 160,500 borrowers. These discharges are for three categories of borrowers: those receiving Public Service Loan Forgiveness (PSLF); those who signed up for President Biden’s Saving on a Valuable Education (SAVE) Plan and who are eligible for its shortened time-to-forgiveness benefit; and those receiving forgiveness on income-driven repayment (IDR) as a result of fixes made by the Administration. This action comes as more than 8 million borrowers have been helped by the SAVE Plan. That includes 4.6 million with a $0 monthly payment.

Today’s announcement brings the total loan forgiveness approved by the Biden-Harris Administration to $167 billion for 4.75 million Americans. Thanks to this Administration’s efforts more than one out of every 10 federal student loan borrowers has now been approved for some debt relief. This action builds on President Biden and his Administration’s efforts to provide debt relief to as many borrowers as possible as quickly as possible.

“The Biden-Harris Administration remains persistent about our efforts to bring student debt relief to millions more across the country, and this announcement proves it,” said U.S. Secretary of Education Miguel Cardona. “One out of every 10 federal student loan borrowers approved for debt relief means one out of every 10 borrowers now has financial breathing room and a burden lifted.”

Recently, the U.S. Department of Education (Department) also announced an update on the timing of the payment count adjustment. This administrative fix ensures borrowers get credit for progress borrowers made toward IDR forgiveness and PSLF. Borrowers who would benefit from consolidating now have until June 30, 2024 to apply to consolidate. Borrowers can find out more about the payment count adjustment here.

The debt relief announced today is broken down into the following categories:

• $5.2 billion for 66,900 borrowers through fixes to PSLF: The Administration has now approved $68 billion in forgiveness for more than 942,000 borrowers through PSLF.

• $613 million for 54,300 borrowers through the SAVE

Plan: This relief will go to borrowers enrolled in the SAVE

Plan who had smaller loans for their postsecondary studies. Borrowers can receive relief after at least 10 years of payments if they originally borrowed $12,000 or less. Each additional $1,000 in borrowing adds 12 more months until forgiveness.

All borrowers on the SAVE Plan receive forgiveness after 20 or 25 years, depending on whether they have loans for graduate school. The benefit is based upon the original principal balance of all Federal loans borrowed to attend school, not what a borrower currently owes or the amount of an individual loan. Today’s announcement brings total relief approved under the SAVE Plan to $5.5 billion for 414,000 borrowers.

• $1.9 billion for 39,200 borrowers through administrative adjustments to IDR payment counts. These adjustments have brought borrowers closer to forgiveness and address longstanding concerns with the misuse of forbearance by loan servicers. Including today’s announcement, the Biden-Harris Administration has now approved $51.0 billion in IDR relief for more than 1 million borrowers.

“Another 160,000 borrowers and their families will get some much-needed relief thanks to the continued efforts the BidenHarris Administration to fix the broken student loan system,” said U.S. Under Secretary of Education James Kvaal. “We congratulate those borrowers on their due forgiveness and we will continue to work to deliver relief to others.”

As discussed in a recent report by the Council of Economic Advisers, the relief provided by these discharges and other actions taken by the Administration could boost short-term consumption and have positive effects on borrower mental health, financial security, and outcomes such as homeownership and entrepreneurship.

Borrowers have already begun receiving emails informing them of their approvals. Their relief will be processed in the following weeks.

New Plans to Deliver Debt Relief to Tens of Millions of Americans

In April, the Biden-Harris Administration released initial details of a new set of plans that would provide student debt relief for tens of millions of borrowers across the country. The

plans would bring the total number of borrowers eligible for student debt relief to over 30 million, including borrowers who have already been approved for debt cancellation by the BidenHarris Administration over the past three years. The plans for new student debt relief regulations announced by President Biden are the next step in a regulatory process that began last summer to provide debt relief to as many borrowers as possible as quickly as possible under the Higher Education Act. The proposals would permit the following types of waivers:

• Waiving accrued and capitalized interest for millions of borrowers;

• Automatically discharging debt for borrowers not enrolled in but otherwise eligible for loan forgiveness under the SAVE Plan, closed school discharge, or other forgiveness programs;

• Eliminating student debt for borrowers who entered repayment 20 or more years ago;

• Helping borrowers who enrolled in low-financial-value programs or institutions; and

• Assisting borrowers who experience hardship in paying.

Public comments on the first set of plans closed on May 17. The Department is in the process of carefully reviewing comments. Our goal is to publish a final rule that results in delivering relief this fall.

A Strong Track Record of Borrower Assistance

The Biden-Harris Administration has taken many steps to reduce the burden of student debt and ensure that student loans are not a barrier to opportunity for students and families. The Administration secured a $900 increase to the maximum Pell Grant -- the largest increase in a decade -- and finalized new rules to protect borrowers from career programs that leave graduates with unaffordable debts or insufficient earnings.

Beyond the relief under IDR, the SAVE Plan, and PSLF, the Biden-Harris Administration has also approved: $28.7 billion for more than 1.6 million borrowers who were cheated by their schools, saw their institutions precipitously close, or are covered by related court settlements.

$14.1 billion for more than 548,000 borrowers with a total and permanent disability.