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Treasurer Maria Pappas welcomes visitors to annual celebration of ‘Christmas Trees from Around the World’
For the 21st year Cook County Treasurer Maria Pappas is celebrating ethnic holiday traditions of nearly 100 different nationalities at the “Christmas Trees from Around the World” display at her office.
The annual celebration of cultural diversity showcases handcrafted ornaments and decorations. “Christmas Trees from Around the World” is a display of 3-foot trees decorated by members of various ethnic and religious communities. Pappas invites the public to celebrate Christmas with music and festivities from 5 to 6:30 p.m. Friday, Dec. 6, at the Treasurer’s Office, 118 N. Clark St., Room 112, Chicago.
“Christmas Trees from Around the World” includes a Christian Nativity scene, an African American Kwanzaa Kinara, a Hindu Prayer Thali and a Jewish Menorah.
“All year long I work with people who live in Cook County and who come from countries all over the world where they don’t have property taxes,” Pappas said. “Over the years I have come to appreciate how Chicago is a melting pot of many different beautiful cultures and traditions as I have helped people understand the property tax system.”
Trees are decorated with ornaments, tinsel, lights, animals, flowers, fruit, candles, plates, boats, stars, flags, dolls and other items. The display will be up from Monday, Dec. 2, until Jan. 2, 2025, in Room 112 of the Cook County Building, 118 N. Clark St., Chicago.
Countries and cultures represented include: African American, Albania, Argentina, Armenia, Assyrian, Australia, Austria, Bahamas, Bangladesh,
Barbados, Belarus, Belgium, Belize, Bosnia and Herzegovina, Brazil, Bulgaria, Canada, CanadaQuebec, Carpatho-Rusyn, China, Colombia, Cornwall, Costa Rica, Croatia, Cuba, Czech, Denmark, Dominican Republic, Ecuador, Egypt, El Salvador, Eritrea, Estonia and Ethiopia.
Also represented: France, Germany, Greece, Guatemala, Guyana, Haiti, Honduras, Hungary, India, Iran, Ireland, Italy, Jamaica, Japan, Jordania, Korea, Kosovo, Laos, Lebanon, Luxembourg, Malaysia, Mexico, Native American, Nepal, New Zealand, Nigeria, Norway, Pakistan, Palestine, Panama, Peru, Philippines, Poland, Puerto Rico, Romania, Russia, Scotland, Senegal, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Taiwan, Thailand, Ukraine, States, Uruguay, Vietnam, Venezuela and Wales.
SUBMITTED BY PATRICK ZAMKIN
At different times, inflation may be high or low, but, except in those rare periods of deflation, it’s always with us. During your working years, when you may receive boosts in your salary, you at least have the potential to keep up with inflation — but what happens when you retire? As a retiree, what can you do to cope with the rising cost of living?
Here are a few suggestions:
• Keep some growth potential in your investment portfolio. During your retirement years, you may want to move your portfolio toward a somewhat more conservative approach by owning investments that offer significant protection of principal. However, these same investments offer little in the way of growth, which means they are susceptible to inflation. Consequently, you’ll also need to own a reasonable amount in growthoriented investments, such as stocks and stock-based securities. Of course, these investments will fluctuate in value as the financial markets move up and down, but by owning some more conservative investments, you can reduce the overall impact of market volatility on your portfolio.
• Consider inflation-adjusted bonds. You might want to consider Treasury Inflation-Protected Securities (TIPS), which are indexed to the Consumer Price Index, so the principal increases with inflation (and decreases with deflation). Another inflation-adjusted Treasury security is the I bond, which differs from TIPS in that the principal doesn’t change but the interest rate does, every six months, based on a combination of a fixed interest rate and the inflation rate. Like all investments, though, TIPS and I bonds have various features and risks of which you should be aware before investing.
• Delay taking Social Security. You can start collecting Social Security benefits at 62, but your monthly checks will be
much bigger if you wait until your full retirement age, likely between 66 and 67. You would receive the maximum amount if you waited until 70 before collecting. Of course, if you need the money to help support your retirement, you may not be able to afford to wait, but if you can, your bigger checks can be a big help against inflation.
• Don’t hold too much cash. During your working years, it’s a good idea to have an emergency fund containing several months’ worth of living expenses in liquid, low-risk accounts. And when you’re retired, you might want to have up to year’s worth of expenses in such a fund. But be careful about holding too much cash, as it will lose purchasing power each year due to inflation. Instead, when keeping cash, seek the “Goldilocks” solution — not too little, not too much, but just the right amount.
• Think about extending your employment. If you like what you do, you might want to consider working a few years longer than you had originally intended. Not only will you be bringing in more income, but you could also continue to contribute to retirement accounts, including your IRA and 401(k). Even if you don’t want to continue working full time, you could do some part-time work or consulting. Any earned income you bring in can help in your fight against inflation. You can’t control the cost of living, but by making some of the moves described above, you can help yourself mount a defense against the effects of inflation during your retirement years.
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.
Real Estate Specialists
Real Estate Questions & Answers
Question: We would like to move, but we are concerned about high mortgage interest rates. What are your thoughts?
Answer: Here is something that hasn’t received its fair share of attention: the 30year fixed- rate mortgage.
Nine out of 10 homebuyers opt for this type of loan, but it remains a rarity in much of the world and is often underappreciated in the U.S.
The existence of the 30-year fixed-rate mortgage is one of the most unique features of the U.S. housing market. In most other countries, homebuyers typically don’t have this option.
In the U.K., for instance, most mortgages are fixed for two- to five years, after which they reset based on market conditions. Similarly, in Canada, mortgage terms rarely exceed five years before adjusting to prevailing interest rates. This leaves home buyers in other countries vulnerable to payment increases when interest rates rise.
The 30-year fixed mortgage insulates American homeowners from market volatility, which allows them to budget confidently without worrying about sudden
rate hikes.
Even with higher borrowing rates, the 30year mortgage remains a financial lifeline for Americans. It offers flexibility, stability, and predictability — advantages that are more valuable than ever in today’s economic climate. Being able to lock in a predictable payment for decades isn’t just a financial tool — it’s an economic privilege.
Certainly, many Americans do not qualify for a loan because of higher interest rates, and many are content to keep their present mortgage and interest rate without moving. But many people need to move for various reasons.
Keep in mind that mortgage interest rates are still historically low, and the benefits of home ownership are priceless. In addition to that, if rates fall, you can refinance at the lower rate.
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
CATHY & JIM HIGGINS
Photo of 2019’s tree display provided by the Cook County Treasurer
LOCAL CHURCHES
CHRIST COMMUNITY CHURCH, COGIC
1151 E. 170th St., South Holland
708-331-8389
FAX 708.331.8374
Admin@ChristCommunityCOGIC.org
ChristCommunityCOGIC.org
PASTOR DR. CARL E. KING, SR. WORSHIP SERVICES
SUNDAY
Church School 9:15 a.m.
Worship Services 10:30 a.m.
WEDNESDAY Bible Study…… 7:00 p.m.
COVENANT UNITED CHURCH OF CHRIST 1130 East 154th St., South Holland
708-333-5955
www.covucc.org
PASTOR REV. DR. PATRICK L. DAYMOND WORSHIP SERVICES
Sunday Worship 7:30 a.m. 11:00 a.m.
Wed. Bible Study Noon
FIRST CHURCH (PCA)
3134 Ridge Rd, Lansing
708-474-9610
www.firstchurchpca.org
Morning Worship 9:30 a.m.
Sunday School 11:00 a.m.
Evening Worship 5:30 p.m.
JESUS LIGHTHOUSE OF LOVE
INTERNATIONAL MINISTRIES 19058 Burnham Ave, Lansing 312-206-1833
facebook.com/JLOLMinistries
PASTOR EL CID ZOLLICOFFER
PASTOR SHONNI ZOLLICOFFER WORSHIP SERVICES
Sunday........................................... 11:00 a.m. Wed. Service on Facebook.............7:30 p.m. Women of Worship via Zoom 3rd Sat. @ 12 pm
8601 Harrison Avenue, Munster, In. 46321 219-838-6720
stplmunster.com
Pastors: Peter Speckhard, Adrian Krebs WORSHIP SERVICES: Monday: ..........................................6:30 p.m. Sunday: .....................8:00 a.m. & 10:15 a.m.
Heart Smart
JOSH BOOTSMA
In the Bible, “hope” often means simply “to wait.” Sometimes it means “to wait with tense expectation and anticipation.”
It kind of sounds like when you order a package, right? You purchased something you’re really excited about and you check the tracking number every day to confirm exactly when it’s going to arrive. You’re hoping. You’re waiting with anticipation and expectation.
When the Bible tells us to hope, however, it’s telling us to anticipate something much more profound than an Amazon delivery.
It’s important to note that hope is so much more than optimism. Optimism is forcing all of the circumstances laid out in front of you through a positive filter. Amazingly, hope doesn’t have to do with your circumstances. If you’re in a dark valley of life, or on a high mountaintop, you’re still called to wait expectantly on the Lord to show up in your life.
In the Old Testament, so often the circumstances of God’s people were abysmal. And yet, their hope was in the future promise of a Savior and Messiah who would one day save them — and the coming of that Messiah is what we celebrate at Christmas!
Romans 15:13 says, “May the God of hope fill you with all joy and peace in believing, so that by the power of the Holy Spirit you may abound in hope.”
The Bible tells us that God is a God of hope. In other words, He’s a God to be expected. He’s a God to be anticipated. When He comes through and shows up, we shouldn’t be surprised. That’s who he is! The hope of the Christian is bold: waiting patiently and expectantly for God to one day make all things right with the world. And He will. Do you have that hope this advent season?
Josh Bootsma Director of Ministries, Covenant Fellowship Church cfcsh.org
FIRST ORTHODOX PRESBYTERIAN
CHURCH OF SOUTH HOLLAND
16248 South Park Ave., South Holland
708-333-8211
www.firstchurchsh.org
PASTOR REV. DANIEL SVENDSEN WORSHIP SERVICES
Sunday 9:30 a.m. & 5:30 p.m.
Sunday School 11:00 a.m.
GRACE LUTHERAN CHURCH, LCMS
8303 Sheffield Avenue Dyer, IN 46311 (219) 865-1137
Bible Study Sunday 10:30 a.m. Monday...........................................7:00 p.m.
Saturday Prayer Service 10:30 a.m.
Bible Study: Sundays at ........9:15am (Sunday school at this time too) 2nd & 4th Tuesdays of the month (Ladies’ Bible Study) Wednesdays at 10am Thursdays at 10am (Nursery available for Sunday morning services)
www.unitynwi.org ALL WELCOME MINISTER: REV. GERALDINE COLVIN SUNDAY SERVICE.......................10:00 AM
LIBRARY HAPPENINGS
Calumet City Public Librar y
Address: 660 S Manistee Ave, Calumet City, IL 60409
Phone: (708) 862-6220
Email: info@calumetcitypl.org
Website: http://www calumetcitypl.org/index.html
Dolton Public Libr ar y
Address: 14037 Lincoln Ave, Dolton, IL
Phone: 708-849-2385
Email: lincoln@doltonpubliclibrary.org
Website: www.doltonpubliclibrary.org
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 e v ery Tu es d a y, i n perso n, f ro m 3:3 0 pm t o 4: 3 0pm P
cal li n g 708- 8 49- 2 3 8
l i ncol n @dolt o npu
your f u l l name, em a
registe r. FRE E
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
BET WEEN 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!
FREE online Line Dancing with Dawn the Diva, Tuesdays at 6:30pm
Join Us For Vir tual Programs : Each day at 4:00 pm, “stop” in for online family-fun at the Harvey Library Tuesday: Craft Wednesday: Story Time Thursday: Bacon Bits & Cooking Tips Monthly Virtual Music Class (Friday, check calendar each month)
Our food pantry is open to everyone and is located in the entryway of library. Donations are also welcome and can be dropped off at the Circulation Desk. Please ensure that food items are non-perishable, non-glass containers and not expired.
Weekly Walking Group 9 – 10 am Ages: Adults/Seniors This walking program is for everyone interested in achieving a healthier lifestyle. What better way to start your path to better physical and emotional health, than on your feet making strides to help your heart and improve your general health.
South Holland Public Librar y Address: 16250 Wausau Ave., South Holland IL Phone: 708-527-3160 or 708-580-6161
Thor nton Public Librar y Address: 115 E. Margaret St. Thornton, IL. Email: library@thorntonil us Website: https://www thorntonlibrary org/
C alendar Of Events
Holiday Carols
Men of A-Chord invite you to an Evening of Lessons & Carols on Saturday, December 14, 2024 at 7:00 p.m. at First Church OPC, 16248 South Park Avenue, South Holland. For more detail please visit: menofachord.org
Neighbor 2 Neighbor
The St Florian Christmas Party led by Fr David Simonetti. In on the fun are: Judith, Mary, Marie, Kim, Patty, Joan, Doris, Carol, Janice in the church hall in Hegewisch. More fin on the horizon as the Holiday gets closer.
The George Tamvakis Family at Lebanon Lutheran Church Thursday Thanksgiving Day November 28, 2024 during the community feast underwritten in part by the Tamvakis Family.
The kitchen of Lebanon Lutheran church with all the kitchen helpers dishing up the Thanksgiving meal for the 125 community members who came and enjoyed fellowship on Thursday November 28, 2024
Thanksgiving Day is fun for all ages. Pictured here is George Tamvakis and his Darling granddaughter along with Kathy Babich Kress during the annual Thanksgiving meal at Lebanon Lutheran church in Hegewisch Thursday November 28, 2024.
More fun at the Thanksgiving Day feast at Lebanon Lutheran church in Hegewisch Thursday November 28, 2024 . Enjoying a little cake and coffee after dinner are Jackie Herod and Frank Casper.
Residents and other watchers gather downtown for Highland Indiana’s Annual Santa Parade & Tree Lighting. The big guy stuck around after for a meet and greet, and guest were provided free hot cocoa and coffee after the parade.
JANICE MINTON-KUTZ
Shopping for a fresh Christmas tree? Follow these expert tips for optimal selection and care
As shopping begins for live Christmas trees, The Morton Arboretum’s tree experts recommend choosing one carefully and caring for it properly to ensure it stays fresh throughout the holiday season.
“People commonly purchase real evergreen trees for Christmas well in advance of Dec. 25,” said Arboretum Plant Clinic Manager Spencer Campbell. “It’s crucial to not let your tree dry out and become a fire hazard. A well cared for tree, with a constant water supply, should remain green and fragrant for several weeks, well through the holidays.”
The Arboretum’s Plant Clinic provides free advice by email for those with questions about how to care for trees and plants, including Christmas trees. Whether tree shoppers intend to keep their tree up for a short or extended time, Campbell offers these tips for preserving its freshness.
1. Plan for watering. A cut evergreen tree needs water like flowers in a vase. Vessels where water flows are right under the tree’s bark, so it’s important to keep the bark undamaged. Tree stands should hold at least a gallon of water.
2. Choose a tree that will fit in the stand. Never try to whittle down the trunk to fit a stand that’s too small. Doing so will destroy the water vessels under the bark so the tree can’t take up water, and it will quickly dry out. Bring the stand to the tree lot to ensure the chosen tree fits.
3. Buy a fresh tree. A more recently cut tree will provide greater time to enjoy it before it dries out and becomes a hazard. The freshest tree is one cut at the time of purchase from a choose-and-cut tree farm. Trees from small local lots are likely to have been harvested within a few days or weeks, making them fairly fresh. Wherever a tree is purchased, check it carefully for freshness.
4. Test for green, firm, flexible needles. To judge whether a tree is fresh, use a hand to gently brush a branch. If many needles fall off or if the needles feel stiff or crackly, the tree is dry and should not be bought. Needles on a fresh tree are plumped with water. They should be firmly attached, pliable and fragrant. It’s normal for an evergreen in autumn to lose some yellow or brown needles, but dropping a significant number of green needles is an indication the tree is drying out. It is not recommended to buy a tree if the seller won’t let the customer unwrap it to examine its freshness.
5. Select a suitable species. Some evergreen species dry out more slowly and keep their needles longer than others. Needle types and branching forms also differ. Some tree types have soft, bendy branches, while others have stiff branches that can support heavy ornaments. Among the species sold most often in the Chicago area are Fraser fir, balsam fir, concolor fir and Scots pine. Learn more about different kinds of Christmas trees on The Morton Arboretum website.
6. Make a new cut. When an evergreen’s trunk is cut, sap quickly dries and seals the surface. To open the tree to water, cut off about an inch from the bottom, or ask for that to be done at the tree lot. Place the tree in water within about an hour after it’s been cut to prevent sap from sealing the trunk again.
7. Store a tree in water. If a tree will be kept outdoors before being set up inside, place it in a bucket of water in a sheltered spot or in an unheated garage. Top off the water in the bucket daily.
8. Keep the tree far from heat. Once it’s set up indoors, position the tree well away from heat sources such as a radiator, heating vent or fireplace. Even a very sunny window can dry out a tree. Place the tree stand on a waterproof surface, such as a plastic tarp, to protect carpeting or wood floors.
9. Fill it up. As soon as the tree is in place, fill the stand with warm tap water. Check the water at least twice daily and refill as necessary. Never allow the water level to fall below the bottom of the trunk. If the cut surface is exposed to air and seals with sap, the tree will not be able to absorb any more water.
10. Use plain water. Don’t add aspirin, sugar or any other substance. Water is all the tree needs.
11. Decorate with lights that stay at a cool temperature. Older incandescent tree lights run hot. Newer LED lights not only use much less energy, but because they are more efficient and cooler, they don’t dry out a tree nearly as much.
12. Keep checking for freshness. It’s normal for a tree to lose a few needles every day. If it begins to lose many needles and the branches become brittle, the tree has dried out. Remove it from the house to prevent a fire hazard.
Stay tuned for tips from The Morton Arboretum in December on how to dispose of live Christmas trees. The Morton Arboretum Plant Clinic is generously sponsored by Bartlett Tree Experts.
Bright Lights & Long Nights Gives Readers an All-Access Game Day Pass
The game day pomp and pageantry, the traditions, the mascots, the cherished rivalries and the coveted trophies — it’s all just pure entertainment for folks watching from the stands or the comfort of a couch. But behind the scenes, there’s a very different team from the ones competing: the team that makes it all happen.
For Brandon Tosti, 18 years of working in the sports industry came with wins, losses and hardearned perspective. And now, he takes readers inside the fast-paced, unpredictable business of sports in his new book, Bright Lights & Long Nights.
“My book is unique and focuses on the sports industry, not an individual athlete or famous coach,” Tosti explained. “The front office is filled with dedicated, hard-working individuals that no one hears about, and I want sports fans to understand the work it takes to make game days happen.”
A memoir woven with true stories from other members of the “team” and advice for those aspiring to work in the sports industry, Bright Lights & Long Nights takes the reader along for a captivating ride through Tosti’s nearly two decades in the sports industry. Calling it “the
Love Thy Neighbor
by Janice R Newman
A religious Sadducee (priest) tried to trap Jesus by testing him on the commandments. He asked Jesus what the greatest of the commandments was. Jesus answered by saying the two greatest commandments are to love the Lord God with your all, heart, soul, strength, and mind. This was the first. Jesus added, “The second is like it, ‘You shall love your neighbor as yourself.’ Jesus’ response to the second commandment was a powerful statement, which is not mentioned enough in the church today. How wonderful would life and society be if everyone thought of their neighbors like themselves and treated them according to the way they wished to be treated?
Today, it seems rare to see an act of random kindness or unselfishness towards a stranger. Unfortunately, there are very few people who would go out of their way to help serve a stranger with physical, financial, or emotional needs. Society has fallen away from helping others by only helping themselves.
The Bible provides an example of loving others first through the story of The Good Samaritan in Luke 10. A man was attacked by robbers, and they beat him and stole his possessions, leaving him for dead. A priest and a Levite were walking by and chose to avoid the injured man, so they did not have to help him. The two men served in the religious temple but did not help the unfortunate. However, a Samaritan man saw the victim and rendered help. He bandaged him, brought him to safety, paid for an inn room, and offered to pay any additional
expenses incurred by the stranger.
Imagine the cost and time lost for the Samaritan. All for a stranger! Although they never met before that day, the Samaritan truly loved his neighbor and showed it with action. Today, we typically don’t see the action in public.
However, this past Sunday, December 1st, I was fortunate to see a gracious act of kindness at the least likely place: McDonald’s in Homewood, IL. The temperature was around 20 degrees with a feel of 10 degrees. As I pulled out of the drive-thru, a white GMC four-door pickup truck stopped to help a stranger struggling in the cold in a wheelchair. The stranger appeared to have physical and mental ailments.
The gentleman stopped, got out of his car, and handled the food he just purchased to the stranger. He shared a brief word with the man, then he went into his truck for a large, thick blanket to provide for the stranger to get warm. He wrapped it around his shoulders. I didn’t see if he also gave him money. The food and the blanket were gracious gifts. I assumed they were deeply appreciated. This is an example of how God can provide in our times of need by using a stranger to help and show love to a neighbor.
The story of the Good Samaritan and the act of kindness I witnessed serve as powerful reminders of the power of selfless love. Jesus taught us to first love God and then to love our neighbor like ourselves second. Reflect on these two examples, then strive to help others, as it can have a significant impact on someone in need. Y? Why Not!
Handy Hacks to Take the Stress Out of Holiday Hosting
Hosting is a big responsibility, especially during the holidays when the pressure is on to create a magical and memorable experience. Planning a menu and decorating for the occasion is just the start.
Hosting also means ensuring all dishes are cooked to perfection and kept warm until serving time, guests’ dietary needs are considered and table conversation topics are ready. Then, of course, there’s the post-dinner cleanup.
This holiday season, consider these tips to help tackle your hosting duties with grace and create an event you can enjoy, too.
Request RSVPs
career book I needed when I was 22,” Tosti traces his path, beginning with grassroots event management that led to high school and college sporting events, to eventually working side by side with a professional team.
“My career path has been a wild ride filled with surprises, hard-to-believe stories, and a closet full of golf shirts,” Tosti writes in his book. “Did I swing and miss? You bet. Did I succeed? Sure. …Did I learn, have fun, and make memories for a lifetime? Absolutely!”
Alexander Wolff, former Sports Illustrated writer and author of Big Game, Small World said, “From campus days as a student manager, to stints at all levels of pro sports, to founding a sports-based nonprofit, Brandon Tosti has dreamed and lived the sporting life since he was a kid growing up in eastern Kentucky. In Bright Lights & Long Nights, he shares hard-won lessons from that career in the sports business and lays out what can happen when you lead with the heart while keeping your head. Anyone interested in making a life in sports, or simply curious about how teams and fans fill up arenas and stadiums, will find inspiration, fascinating stories, and valuable lessons in these pages.”
Planning a party is even more complicated when you don’t know how many guests you’ll be entertaining. If you create a guest list and ask invitees to let you know their plans, you’ll have a better idea whether you should double your favorite dishes. You’ll also know who has special dietary needs and be able to plan a seating chart that puts everyone at ease. Be sure to include a date that gives guests a specific RSVP deadline and plenty of time for you to adjust your plans before the big day.
Meal Prep as Much as Possible
Get as much of the food preparation out of the way ahead of time as you can. Some dishes can be prepared and even cooked ahead of time so you’re just reheating, but you can also save a lot of time by organizing ingredients for the dishes that must be prepared the day of the event. A good rule of thumb: If it doesn’t have to wait until the day of the party, do it before. That frees up your time so you can handle any unexpected hiccups that arise without piling on more stress.
Simplify the Cleanup Situation
Rely on tried-and-true products that do the heavy lifting for you when it’s time to clean up after the meal. An option like Finish Ultimate Dishwashing Detergent cleans dishes in tough conditions, even without pre-rinsing, so you can focus on what matters during this time of year: spending more time with your loved ones. It removes tough stains like grease and cheese, as well as common holiday dishes like apple pie and mac and cheese. An added bonus: Since you don’t need to pre-rinse, you’ll save up to 20
gallons of water per dishwasher load.
Create Designated Spaces
Guests are likely to arrive with items in hand that need a place to go, like coats, shoes, handbags and gifts. Avoid clutter by determining ahead of time where you want to put these items. If you have a coat closet with space, that’s a good solution, but a nearby bedroom may also be an option. Especially if you’re hosting a potluck meal, be sure to plan ahead for where each course should go, with appetizer bars, dessert tables and a countertop with protective pads for warm foods.
Send Guests Off with a Parting Gift
A memorable event can be made even more so when guests have a token to take with them.
Send everyone home on a happy note with a simple gift like a prewrapped holiday treat. Be sure to tuck these away someplace near the door so they’re a pleasant surprise you can access easily when guests begin to make their exits. Find more ways to tackle holiday messes and make hosting duties a breeze by visiting finishdishwashing.com.
Post-Party Cleaning Tips
1. Don’t be afraid to ask for help, especially from your partner or children.
2. Prep your table the night before. Get sparkling dishes and glassware by using a product such as Finish Jet-Dry Rinse Aid, which assists in drying and helping your dishes shine when used in the rinse cycle.
3. Start by collecting trash and clutter. Throw trash away and create piles of items that need returned to their proper places. Remember that taking a few extra minutes to organize things like seasonal decor as you go can help make next year’s event easier.
4. Complete each job before moving to the next. Some prefer to tackle a room at a time while others prefer to finish a specific chore, like sweeping the floors throughout the house, before moving on.
5. Be realistic about what must be done before you sleep. Some tasks really do need immediate attention, like collecting and emptying glasses that could be spilled and safely storing leftover food. The rest can likely wait until after you get some rest.
Based on a True Story, Murder on Skid Row Transports
Readers to 12-Block Stretch of Chicago’s Forgotten Past
It’s August 1966, and Mel Greenberg, fresh from dental school, has just opened his first office on Chicago’s Skid Row. Located on Madison Street, a little west of the city’s bustling and prosperous downtown, Skid Row’s 12-block stretch is home to hustlers, winos, addicts, bums, lost souls, rip-offs and kickbacks. “Spare any change?” and “I don’t know nothing,” are the watchwords. And everyone, it seems, has a secret.
Young, naive, poor and optimistic, Dr. Greenberg chooses this location for his dental practice “to help the downtrodden.” Instead, he finds himself in a world for which his workingclass upbringing never prepared him, where a day might bring anything from a philosophyquoting patient to a knife held at his neck. Eventually, he finds himself a suspect in a double murder.
Based on a true story, Murder on Skid Row from Chicagoan Charlene Wexler is told from Dr. Greenberg’s point of view and takes readers back to a place that was an integral part of Chicago for decades — but one today’s public officials and city-beautiful boosters would rather have people believe never existed.
Woven with both humor and pathos, Murder on Skid Row is a murder mystery with more tension than a visit to the dentist. Chicago’s Skid Row may be long gone, but Wexler brings it back to life in this gripping historical thriller.
About the Author
A native Chicagoan, Charlene Wexler has been a teacher, wife, dental office manager, mother and grandmother. In retirement, her lifelong passion for writing has led her to create several essays, short stories and novels. Her other books include Farewell To South Shore, Milk and Oranges, Murder Across the Ocean, Lori and Elephants In The Room. Her work has appeared in The Chicago Tribune, Black Tie Magazine, JUF magazine, NPR Europe Travel Guidebooks Worth Reading, Reader’s Digest, North Shore Magazine, the University of Illinois at Chicago College of Dentistry’s Vision magazine, Alpha Omegan magazine, Hey Day Magazine UK, the Gazette Chicago and several blogs. She lives in Illinois with her dentist husband. Her three adorable grandchildren live out of state but visit often.
For more information, please visit https:// charlenewexler.com/.
Two Letters for Lake Station Client
On October 31, 2024, wrote two letters to a hospital for a client from Lake Station. Basically, each letter told the hospital that its bill to the client was wrong.
About two weeks earlier, the client and his wife came to my office and brought two bills from the hospital. One bill sought a balance of $2,510.57 and the other bill sought a balance of $609.21. Each bill was wrong but for different reasons.
When the client and his wife were in my office, we made phone calls to both his Medicare supplement insurance company and Medicare. The bill for $2,510.57 was wrong because Medicare ruled that the hospital could charge nothing. The $609.21 bill was wrong because his insurance company already paid the bill almost a month earlier.
This client would have been hounded to pay both these false bills if I had not helped him. This happens all over the country. More people should learn how to do what I do so that they can help seniors with such Medicare related billing problems.
Illinois rolls out first phase of plan to modernize professional licensing
By Nicole Jeanine Johnson and Medill Illinois News Bureau, Capitol News Illinois
The Illinois Department of Financial and Professional Regulation launched a new online licensing system this fall, the first phase in a plan to modernize the management and licensing process for service providers across the state.
The system improvements are part of efforts to make doing business easier and more efficient for Illinois service providers, the department said in a statement.
The Comprehensive Online Regulatory Environment, or CORE, opened on Oct. 30, nearly a year after the Illinois General Assembly passed House Bill 2394, a measure authorizing the IDFPR to upgrade its antiquated system that had led to long waiting periods for licensing and renewals.
The new system will “eliminate the need for paper applications, give applicants more control over their application materials, and help prevent deficient applications from being submitted,” according to a statement from IDFPR.
The agency calls CORE the first part of a multiphase approach by IDFPR to, over the next two years, ensure applications for more than 300 license types and records for more than 1.2 million professionals are properly transitioned.
The first professions to be licensed under the new system are clinical psychologists, music therapists and nail technicians.
“Everyone wanting to earn a living in Illinois in the 21st century should have tools of the times available so they can be licensed and get to work as soon as possible,” IDFPR Secretary Mario Treto Jr., said in the statement.
MUSIC THERAPISTS
On May 27, 2022, Gov. JB Pritzker signed Senate Bill 2243, which created a music therapy license for Illinois practitioners within the IDFPR.
Music therapy is a form of treatment that incorporates “clinical & evidence-based use of music interventions to accomplish individualized goals within a therapeutic relationship” according to the American Music Therapy Association website.
“We have been waiting for 2 1/2 years since our bill was passed for this new system to come,” said Mia Iliopoulos Krings, president of the Illinois Association for Music Therapy, in an interview.
Instead of immediately allowing music therapists to apply for a license two years ago, Krings said that the department “didn’t want to put us in the old system for us to just have to go into the new system.”
Since the system’s launch, Krings praised how easy and efficient it was to complete the application process.
“They have been working incredibly fast and efficiently in getting everything back to us. For example, I applied on Friday night on Nov. 1. I heard back by 8:30 a.m. Monday morning,” Krings said.
Krings’ experience now is vastly different from what many Illinois professionals experienced in the past.
Panache Perkins, director and an instructor of Your School of Beauty in Chicago’s Bronzeville neighborhood, said that before the digitization, the IDFPR was “still in 1997,” with “old school” public servants stacking “pieces of paper applications into a 75-year-old filing system.”
“They (IDFPR) lose paperwork all the time, because they don’t have the right system,” she said.
With new integrated software and technology services provided by Tyler Technologies, however, the department’s CORE system will “notify prospective licensees directly within the system when applications are received, reviewed, and licenses are issued by
the department—eliminating the need for paper mail and email responses,” according to IDFPR’s statement.
FINANCIAL BARRIERS FOR BUSINESS
The IDFPR’s mission is “to protect the residents of Illinois” through licensing and regulating industries and professions that offer services to the public. But some say these licenses can serve as a financial barrier to doing business.
The initial music therapy license is $400 and renewal costs $300. In preparation for hardships, the Illinois Association for Music Therapists held a benefit concert to raise funds to help pay for the licenses for members in need.
Two years ago, state lawmakers created the Comprehensive Licensing Information to Minimize Barriers Task Force , or CLIMB, to “investigate how occupational licensing of low-tomoderate-income occupations relates to economic inequities in Illinois and to recommend reforms,” according to a statement from the task force. Last month, CLIMB released a study of their two-year findings, and recommended easing licensing burdens for specific professions.
The study recommended that hair braiders, for example, should be exempt from having a license. CLIMB’s research found that “requiring a license to braid hair does not enhance public safety but does disproportionately impact individuals from minority communities,” according to the statement.
Perkins said she disagrees with that recommendation.
“People’s addiction to social media has changed the (standard) that licensing set. Now everyone thinks they can do it,” she said.
She also said that braiders may not know proper hair care, how to properly clean their tools or prevent traction alopecia – a type of hair loss caused by tension from tight hair styles.
There are 33 states that do not require a license for hair braiders; an increase of 21 from 2016. This includes Indiana, Wisconsin, and Pennsylvania, according to the CLIMB.
Perkins said she has been working in the beauty industry since she was 16 years old, noting, “my grandmother inspired me to go into cosmetology.”
Perkins’s grandmother, Mildred Dixon, opened Your School of Beauty 66 years ago to train men and women to begin their careers in the beauty industry. Perkins said the beauty industry is among the most essential occupations and that it should be regulated accordingly.
“Cosmetologists work closely with products that dermatologists prescribe and recommend. We were also essential during the pandemic,” Perkins said.
However, she also acknowledged the state’s antiquated licensing system impacts how cosmetologists are regarded and can run their businesses. She said she doesn’t think licensing is a barrier.
“If you can do enough ‘heads’ to pay taxes on your work, then you can pay the money to get your license,” she said, adding that this evokes a larger issue about how people see their futures. “If you’re not trying to get your license,” she said, “you’re also not thinking about your (long-term) future.”
Nicole Jeanine Johnson is a graduate student in journalism with Northwestern University’s Medill School of Journalism, Media, Integrated Marketing Communications, and a Fellow in its Medill Illinois News Bureau working in partnership with Capitol News Illinois.
Capitol News Illinois Is A Nonprofit, Nonpartisan News Service That Distributes State Government Coverage To Hundreds Of News Outlets Statewide. It Is Funded Primarily By The Illinois Press Foundation And The Robert R. Mccormick Foundation.
My new website CitizenWoodrow.TV has over 100 of the over 2,000 articles that I have written about Medicare billing problems. Anyone can read the articles for free. If you decide that you want to learn how to help seniors to fight bad billing in the Medicare system, click a button to order my book SOLVING MEDICARE PROBLEM$. All the help that I gave this client was FREE OF CHARGE. This insurance agency helps any client with similar Medicare billing problems because we want to demonstrate that we appreciate and care for our clients. Does the insurance agent or agency that you use now give the same high level of customer service?
Note: Woodrow Wilcox is the senior medical bill case worker at Senior Care Insurance Services. 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 can be ordered at any book store or online.
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 ROMELL JOSHUA WILEY to the new name of KAI JOSHUA ALI The court date will be January 15, 2024 at 9:00am at 16501 S Kedzie, Markham, IL 60455, in in Cook County, Courtroom 0207, Case number 24M6008443
WOODROW WILCOX
EHLERS
Kathleen Mildred Ehlers, nee Mellor, age 71, of Thornton, IL, passed away Monday, November 25, 2024. Beloved wife of Thomas R. Ehlers. Loving mother of Dayrel Evan Neal, James Gordon (Korrin) Neal and step-mother of Bradley Thomas Ehlers, and the late Colin Sam Ehlers. Grandmother of Dayne Evan Neal, Logan James Neal, Madison Rose Neal, Collynn Ehlers, Hailey Reanne (Jason) Goza, and Amanda Michelle Lee. Dear sister of the late Gary Munger, Brian Munger, and late Arden Munger. Preceded in death by her parents Gordon and Doris Mellor. Visitation with family and friends will be held on Saturday, December 7, 2024 from 12:00 p.m. until the time of the funeral service at 4:00 p.m. with services conducted by Rev. Grace Oh at Smits, DeYoung-Vroegh Chapel 649 E. 162nd St. (Rt.6/159th St/) South Holland, IL. Memorial contributions may be given to the Alzheimer’s Association (https://www. alz.org/)
For further information, please contact 708-3337000 or visit our online obituary and guest book at www.SMITSFH.com
HARRIS
Donald E. Harris, age 89, formerly of Dyer, IN and Calumet City, IL, passed away peacefully on November 29, 2024. He is survived by his daughters Debbie Lange of Chapel Hill, NC and Jill (Dale) Kahn of Dyer, IN; grandchildren Scott (Natalie) Lange, Ashley (Kyle) Gooding, Zachary (Alyssa) Kahn; great-grandchildren Carson and Cameron Lange, Hazel and Lucy Gooding; sisters Phyllis DeFord, Linda (late David) Steele, Pam (Carl) York; sister-in-law Sharon Harris, and many extended family members. Preceded in death by his beloved wife of 60 years, Joann, parents William and Minnie Harris, sister Sherri Kasee, brother Danny Harris, granddaughter Traci Scott, and great-grandson Gavin Scott. Don spent his career working as a foreman at Republic Steel/LTV Steel, and in the later years of his career he became Superintendent. He was a very hard worker, and never took a sick day. In his spare time, he enjoyed taking care of his lawn, his garden, and his cars. Don was a very proud veteran of the United States Marine Corps, and loved to wear his U.S.M.C. shirts and hats. He was a long-time and faithful member of First United Methodist Church of Hammond. Don had a great sense of humor, and loved to make people laugh. He was loved by so many, and will be dearly missed. Memorial visitation Thursday, December 5, 2024 from 10:00 a.m. until the time of the memorial service at 11:00 a.m. at Smits Funeral Home, 2121 Pleasant Springs Lane, Dyer, IN with Pastor Pete Ward officiating. Memorial contributions may be given to First United Methodist Church (6635 Hohman Ave. Hammond, IN 46324).
PULLEN
Thomas M. Pullen, age 67, suddenly, of Matteson, IL, passed away Friday, November 29, 2024. Loving husband of 34 years to Deborah Pullen, nee Lubash. Beloved brother of Darryl (Nancy) Pullen, Robert Pullen, Bill Chatman and the late Jasper (Linda) Pullen; brother-in-law of Jeff Lubash. Kind uncle of many nieces and nephews. Preceded in death by his parents Jasper and Lillian Pullen. Tom was loved by his family, and many friends, and will be dearly missed.
Private arrangements entrusted to Smits, Steger Memorial Chapel – Steger, IL. For further information, please contact 708-7556100 or visit our online obituary and guestbook at www.SMITSFH.com
HUISENGA
Alfred “Al” Huisenga, age 96, of Crete, IL went home to his Lord and Savior on Saturday, November 30, 2024. Beloved husband for over 70 years to Marcella Huisenga, nee Brandsma. Loving father of Sherry (Paul) Van Deraa and Judy Boersema. Devoted grandfather of Ryan (Emily) Van Deraa, Amy (Brett) Bousema, Bryce (Audrey) Van Deraa, Jason (Megan) Van Deraa, Leah (Aaron) de Jager, and Marc Borsema. Cherished great-grandfather of Marc, Griffin, Eleanor, Vivian, Clara, Margot, Landon, Hannah, Morgan, Tanner, Silas, Levi, Ava, Elliot, Owen and Evelyn. Preceded in death by his parents Peter and Kate Huisenga and 10 siblings: Peter Huisenga, Sophie Schenkel, Gertrude Voss, Donald Huisenga, Jeanette Huisenga, Harry Huisenga, John Huisenga, Clarence Huisenga, Herman Huisenga, and Corrine Huisenga. Kind uncle to many nephews and nieces.
Al was a W.W. II and Korean War Army Veteran. He was a retired truck driver and was a member of Calvary Reformed Church in South Holland for many years and more recently Emmanuel CRC in Sauk Village.
A visitation with family and friends will be held at Emmanuel Christian Reformed Church, 22515 Torrence Ave., Sauk Village, IL on Tuesday, December 3, 2024 from 4:00 until the time of the funeral service at 7:00 p.m. with Rev. Jeff Hale officiating. A private family burial will take place at Chapel Hill Gardens South – Oak Lawn, IL. Memorial contributions may be given to DeMotte Christian School, Elim Christian Services, or Emmanuel CRC. For further information, please contact 219-322-7300 or visit our online guestbook and obituary at www.SMITSFH. com
State watchdog uncovers at least $7.2M in PPP fraud by state employees
A state watchdog has identified at least $7.2 million in fraudulent claims and more than 275 instances of misconduct by state employees accused of bilking a federal program designed to help businesses during the COVID-19 pandemic.
Since 2022, the Office of the Executive Inspector General has been investigating allegations that state employees fraudulently claimed Paycheck Protection Program loans for small businesses they didn’t disclose or entirely fabricated. State workers may engage in secondary employment, but only if it’s disclosed and permission is granted.
Employees from 13 different state agencies are involved in the fraud and have illegally taken these federal public funds, according to the OEIG, which is charged with investigating allegations of misconduct within state government. As of April, more than 60% of those implicated to date worked for the Illinois Department of Human Services, which operates mental health hospitals and developmental centers across the state.
The Paycheck Protection Program was an initiative established by the federal CARES Act in 2020. The Small Business Administration oversaw the implementation of the PPP to provide forgivable loans to cover payroll costs or other expenses for small businesses struggling during the COVID-19 pandemic. By October 2022, the program gave out $786 billion in loans and forgave 93% of them, according to the SBA.
Quickly, PPP loans led to “unprecedented fraud levels,” according to the SBA inspector general. Applicants self-certified their small business status and income. The OEIG is investigating only public employees who received more than approximately $20,000 from the program. To receive a $20,000 loan, businesses investigated by the OEIG typically declared $100,000 or more of net profit or gross income on the loan application.
The OEIG could not comment on whether this investigation was close to the end. Due to the sheer size of this fraud, investigations involve many different agencies. In May 2023, the Illinois legislature passed House Bill 3304, which allows criminal prosecutions for COVID-19 related fraud to start up to five years after authorities discover the fraud.
Rep. Fred Crespo, D-Hoffman Estates, who filed the bill, said most of the routine checks such as cross-referencing data on the loan forms with other agency databases were suspended for this program. A large issue was also the lack of personnel. According to Crespo, between April 2020 and April 2022, the fraud hotline of the SBA received millions of calls, of which a large number went unanswered.
“The vulnerabilities that led to the issues with PPP fraud weren’t really attributable to things at the state level. I would say that the issues had far more to do with the unaccountable nature of the program itself,” said State Rep. Mike Kelly, D-Chicago, who co-sponsored the bill.
IDHS employees have been heavily involved in the fraud. Since 2022, at least 43 employees have been discharged and 53 resigned before further action by management. In most cases on the OEIG website, the employees either lied about being self-employed or provided false information about their income.
Records show Deborah Reynolds-Jones was a human services caseworker who had been working for the IDHS since 2016. Reynolds-Jones told OEIG investigators that her barber recommended a company that could help her apply for the loan. She sent the company her personal information, including her Social Security number. The company filled out the form and simply asked her to sign. The information was inaccurate. Reynolds-Jones paid the company $3,000 for their service after she fraudulently received a $20,000 PPP loan.
In another case, Shanythia Anderson admitted to the OEIG that she allowed a third party to apply for a PPP loan on her behalf and that the information provided was inaccurate. She
began working as a mental health technician at IDHS in 2020. Anderson met a woman on Facebook, and she sent her personal records. In exchange for this service, the woman was to receive half of her loan, $10,000. Anderson worked at the Ludeman Development Center in Forest Park, where at least 36 other employees were accused of wrongdoing.
“It happens that in one particular location when you find out there are 37 people that have done this, they’ve obviously been talking to one another at work,” Gov. JB Pritzker said in a news conference last year. “Maybe somebody committed this kind of fraud and then tried to convince somebody else.”
IDHS declined to comment on why so many of its employees were implicated. IDHS is the largest public agency in Illinois, which could be one explanation. Crespo said that his best guess was that public employees had early access to the loan forms, so it was easier for them to understand how to file them, fraudulently or not.
“While the vast majority of IDHS’ roughly 14,000 State employees are hard-working people of strong character who work tirelessly to help the most vulnerable, it is deeply concerning any time an employee takes advantage of public programs,” IDHS said in a statement.
Other state agencies where the OEIG found multiple cases of PPP fraud included the Department of Corrections (31 cases), the Department of Children and Family Services (27), Pace (10) and the Department of Healthcare and Family Services (8).
The OEIG, through the Executive Ethics Commission, publishes reports of wrongdoings only if there is proof of employee misconduct. It can refer cases to the Attorney General if the fraud is significant enough. The Attorney General, specifically the Public Integrity Bureau, then conducts its own investigation in order to prosecute involved public employees.
Many cases mentioned third parties who applied for the PPP loan on behalf of an individual. The DOJ has gone after some of these third parties in Illinois, but it’s unclear that these are the same third parties that helped public employees.
In June, the a federal jury in Chicago convicted Hadi Isbaih on charges of wire fraud. According to the DOJ, Isbaih used his company, Flash Tax Service Inc., to file fraudulent loan applications on behalf of his clients. Isbaih would ask for an upfront fee to file the loan form, and when the client received the loan, he would charge an additional fee. A sentencing date has not yet been announced for Isbaih.
In September 2023, two Illinois businessmen were indicted on federal charges for obtaining $7.8 million in fraudulent business loans. According to the DOJ, they recruited selfemployed individuals to provide personal information. With that, they would fill out loan forms with false data by inflating the individuals’ income, for example. They would then charge the clients up to $4,000 if the loan was successfully received. These two have not been convicted.
There are severe consequences for PPP fraud. Knowingly declaring false statements to a financial institution can result in up to 30 years in prison or a fine of up to $1 million. Wire fraud, the use of the Internet or electronic communication to carry out fraud, is a federal crime that can be punishable by up to 20 years in prison.
Amalia Huot-Marchand is a graduate student in journalism with Northwestern University’s Medill School of Journalism, Media, Integrated Marketing Communications, and a Fellow in its Medill Illinois News Bureau working in partnership with Capitol News Illinois.
Capitol News Illinois is a nonprofit, nonpartisan news service that distributes state government coverage to hundreds of news outlets statewide. It is funded primarily by the Illinois Press Foundation and the Robert R. McCormick Foundation.
One of Australia’s Top 100 Women of Influence Reveals 3-Step Strategy to Turn Your Life Into the One You Were Meant to Live
In Okay, Now What? How to Be Resilient When Life Gets Tough (Alcove Press/distributed by Penguin Random House; November 12, 2024; Hardcover; ISBN: 9781639109128), motivational speaker, life coach, and author Kate Gladdin defines resilience as “a set of skills to help you face the world with courage, adapt to change, and become mentally stronger— not despite your challenges, but because of them.” Moreover, she shows how anyone can build resilience using her practical, easy-to-follow, and incredibly empowering framework. In an interview, Gladdin can elaborate on the following:
• At the age of 20, she quit her “safe” corporate job and started the Nicole Fitzsimons Foundation in honor of her sister, who was killed in a motorbike accident in Thailand;
• How and why her “predictable” life turned upside down, and an inner calling prompted her to move from Australia to the U.S.;
• Why Australia lauded her as one of the Top 100 Women of Influence;
• Her motivation behind inspiring young students—and now adults—to live their best lives;
• Why she has decided to translate her inspiration from teens to adults; and
• Her reason for creating the 3Rs of Resilience:
1.Recognize your thoughts about what happened, remembering that thoughts are not facts.
2. Reflect on how your thoughts impact you, focusing on how they fuel negative emotions and actions.
3. Redirect your mind, focusing on purposeful thinking and ways to create good from the bad.
About the Author
Kate Gladdin left her corporate career in 2013 to create a Travel Safety Education Program for Australian high schools. The program highlights the devastating consequences of taking risks in foreign countries. The Australian Government and National Corporations now support a campaign she began as a devastated sister alone in her room.
Services
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Wanted
Used or new musical instruments for a local school that does not have a music program. Students need arts like music to appreciate its many benefits. Please donate your working instruments. We need oboes, saxophones, double French horns, trumpets, flutes, clarinets, upright bass, and percussions. (219) 680-7215
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FOR SALE TWO BURIAL PLOTS LOT I&2 AT OAKLAND MEMORY LANES CEMETERY. $6000.00 OR BEST OFFER. Contact Adrienne At 708-378-2195
6 PIECE FRENCH
PROVINCIAL SET- SOFA, LOVE SEAT, CHAIR, SOFA TABLE, TWO END TABLES, GOOD CONDITION $650. Cedar Ridge Swing Set for 3-8 years, new in the box
$250.00. (708) 715-9009 between 8:00 a.m.-12:00 p.m.
Pyrex Bowls and Bakeware
$3-$5 a Piece; Champagne and Wine Glasses (Crystal) $2 ea; Crystal Wine, Liquor Decanters $15-$25; “Johnson’s Bros.” White English Ironstone Set of Dishes (64 pc.) $40 or OBO. Vintage Madame Alexander doll, “Degas” girl #1575 in original box, wrist tag and stand, $45. 708-481-6907
Turkey Fryer w/ Regulator, Water Fountain, Stock Pot, Women’s Skechers, new 9.5, Johnson Sea Horse w/ Stand. Bacgammon Game, Scott’s 20” Push Mower New OBO. 708-877-6088
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. $110 Call or text 708-6739361
Manual push lawn mower. Excellent condition. $35 Call or text 708-673-9361
Nostalgia Electronics popcorn machine , tabletop...$35.00. Danish modern style chair. solid walnut. tan cushions .$49.00 708-645-4245
Old vhs tapes $1, walker $40, extra large punch bowl $20, glass dinette set $50, new portable toilet , African Art $MISC 708-501-1388
Nordic Track Pro, excellent like new condition $100 708-891-4798
Radio Flyer Red Wagon for 2 Comes with Seatbelts and 4 Cup Holders. Hauling
Capacity 200 lbs. Gently used $40. Twin Size Bed Sheets $1 each; Twin Size Duvet Covers $5 ea. Call 708-481-6907
Ethan Allen Wingback Chair - $70; Hardwood Kitchen Chairs (Windsor Type) $30; Heavy duty universal bed frame, $15. Stiffel brass table lamps, $25-$35 each. Assorted lamp shades, $5-$10ea; Occasional Squire 26” dark wood 2 tier table. $50; Assorted Luggage, $5-$10 each; Kitchen Cabinet 33.5”h x 16.5”w x 18”d with 1 door (3 shelves inside);$30 OBO; Stainless Steel, Almost new, Whirlpool Over the Stove Microwave, $50. 708-481-6907
40 hummels in original boxs and 4 goebel plates best reasonable offer 708 308 4634
New Electric Coffee Maker w/2 Stainless Steel Travel Cups. Still in box $20.00Call 708-474-9568
Estate Sale, Shark Navigator Vacuum, anti-allergen, pet plus, more suction/lighter, New, Boxed, $159.00,,cash, originally $259.00 708-6454245
Queen mattress/box spring ..guest room.. like new ..$125.00 , West Bend electric stainless wok, w/accessories, used once. $25.00 708-6454245
Selling Salon items, Hair washing sink $50.00, Salon hydraulic chair $75.00, Massage table $75.00, Esthetician Facial machine $900 or b.o.Call or text 219-836-5148
Trailer hitch for Honda Pilot 2016-22 or Acura MDX 2014-20. Curt 13146. Gently used. $125
Set of Rugs $20 - and a cargo liner $30 for Subaru. (708) 895-2647
55 in Vizio TV $50 or best offer. (708) 895-2647
Christmas tree 5 foot pre lit full plus ornaments and storage bag 150.00 call 219 663 8544
New Power Air Fryer Pro all attachments and cook books 65.00 call 219 663 8544
Large heavy concrete bird bath, good condition. $60.00; Metal commercial clothing rack on wheels 64 in long x 61 in high$75.00; Senior bath/shower chair like new $45.00; Shop vac 5 HP includes manual and 2 attchmts$50.00; Stihl backpack blower - runs well, no manual. $325.00 private owner; Echo handheld leaf blower, runs good, includes user manual $150.00 219-218-6466
Ladies winter coat, wool, boucle, camel shade, large mink collar, medium ... excellent condition..$75.00.. official Chicago Bears glasses...8/$20.00 708-6454245
2 Broyhill end tables with drawer and lower cabinet 25” high x 26” wide x 28” deep. Good condition Pickup in St.John, IN 219-308-5442
Cabbage Patch Doll 1992 Tenth Anniversary Zora Mae numbered new in box ( box has some dents rips) never played with smoke free home. Can provide pics on request ! $75 312-720-0844
Size 10.5 Brown LaCoste Hiking Boots w/ Steeel Toe, New in Box, Paid $65, Asking $40 OBO. Call 312-203-41-67 ask for Tony! Blaupunkt antique stereo and turntable with centerpiece. $125.00, email at Patc96259@gmail.com
4 chairs wrought iron all black and table wrought iron.$125.00 email to Patc96259@gmail.com
4” Magnetic Parts holder, new, $5; 4 Pc. New Brush set, misc, $8; 20 pc. Drill Bit set in holder, $22; 9pc mini screwdriver set in the case, $7; small packet dielectric grease, $1.25 each. 708-4608308
Leaf Blower-700 Rake
O-Vac-like new $25, Miscelaneous movice cameras, projectors and tripod--Best Offer! Office Chair New--In Box-Modway EEI-757 $95. Matching Buffet Lamps --New $20. Tomato Grinder Antique -$ 15. Sausage Grinder Antique-$15. Beleek China Plate--New in Box $20 708-448-5672
Barbie Drem House, over 4’w x 3’ h, + 10 boxes of furnishings, Ex. Cond, in Original Boxes; TYCO HO Electric Train Set, Steam Loco with 5 Rail Cars. Ready to Run with All Accessories, Track, Dated 1975, Excellent Condition. $125; Musical Santa Car, PLays 3 Xmas Songs, new, boxed, $25 708-460-8308
Scotts EZ Patch and Repair Seed, Fert, Mulch Complete, $19; Preen Weed Preventer stops weeds for 3 months, $15; Grub Control, 15lbs, 5200 SQFT coverage, $15; Large Sunflower Pinwheels, Yellow w/ Brown Centers, $8 Ea. 780-460-8308
Small Shovel, 5” Steel Blade for kids or Adults, new, $6; 3 ft. Weed Wacker, double cutting blade, $10; Alum. Scoop shovel, USA Made, new, $39; Steel Scoop HD Shovel, very old, $15; Timex 7” Wall Thermometer, new $4. 708-460-8303
Heavy Duty Halloween Floormats $9; Parts for a 1985 Toyota Truck - Lug Wrench in cloth pouch, new, $20, Toyota Owner’s Marual, $25; S.S. Radio Antenna $25, Twin Tan Carpet Floor Mats, $40. 708-460-8308
12 foot Lighted Booster Cables in pouch, $17; Plastic float for applying grout, $5; Ladies extra long snuggly sox, red or pink, $4 ea; 2005 New Green Bay Pckers Xmas Ornament, $12; N95 Face Mask Respirator, $3 ea; Ladies Perfect Used Black Shoes, size 8, $6; Mens Totes Rubber Zipper Boots, New, USA, Size XXL $18. 708-460-8308
WEN Heat Gun Kit, removes paint, wallpaper, labels, etc, like new, $15; Radio Antenna Kit, New, fits Ford and Merc. 1965-1980, 30” mast, 72” cable, $39; mositure eliminatior, traps excess moisture in cars, trucks, boats, $4. 708-460-8308
Toro snowblower model CCR2450. 5 H .P.Electric start. $75.00(402)670-1694
Full size bed with mattress, box spring and frame $100, 4 drawer dresser $25, Drive extra large size manual wheelchair with pad never been used $100. Please contact Vicki at 708 634-9464. Leave message on voicemail I will return you’re call..
Snow season!! MTD Pro snow blower. 21’ swath, electric start. Runs great! $75.00708-895-3767 Lansing
Full length mink coat, medium, older , good condition $150.00. Red wool blazer, size medium/petite, Nordstroms, new, $29.00. 708-645-4245
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Cook County State’s Attorney’s Office Releases
Perfect Homemade Holiday Decor with a Pop
‘Tis the season to bring family and friends together for some festive fun. When it comes to decorating and hosting parties, popcorn can make it easy to create edible decor for the dessert
For example, these Holiday Wreath Popcorn Treats and Cranberry Popcorn Balls join forces for a dashingly decorative
Chicago– Today, the Cook County State’s Attorney’s Office released two pivotal documents: the Final Report of State’s Attorney Kim Foxx’s administration and an Eight Year Data Summary. These publications provide a comprehensive overview of the substantial reforms and impacts achieved during State’s Attorney Foxx’s transformative tenure from beginning in December 2016 through November 2024, which have profoundly influenced the criminal justice landscape in Cook County and set new standards nationwide.
Key Highlights from the Final Report and Eight-Year Data Summary include:
• Pretrial Fairness Act (PFA): The implementation of this landmark legislation has significantly altered the pretrial detention framework, emphasizing justice and equity.
• Wrongful Convictions: The office has corrected 250 wrongful convictions thanks to the work of the Conviction Review Unit (CRU), formerly the Conviction Integrity Unit (CIU), over the past eight years, rectifying serious miscarriages of justice and highlighting the commitment to integrity and due process.
• Community Engagement: Maintained direct connections with the community through thousands of touchpoints, including meetings, forums, and award events.
• Data Transparency Evolution: Before State’s Attorney Foxx, detailed open data on felony cases was not available; her initiatives now ensure transparency for over 30,000 felony cases reviewed annually, setting a new standard in prosecutorial accountability across the country.
• Cannabis Convictions Overturned: More than 15,000 cannabis-related convictions have been expunged, aligning with statewide efforts to address the consequences of prior drug policies.
• Investment in Staff: The office
implemented a $10,000 retention bonus program for front-line ASAs and conducted a comprehensive salary review, resulting in an average salary increase of five percent, reflecting a commitment to competitive compensation.
“Reflecting on the past eight years, I am immensely proud of the hard work and dedication of our team who have tirelessly worked to enhance the scales of justice and equity in Cook County,” said State’s Attorney Foxx. “This final report and data summary not only highlight our achievements but also set the stage for continued advancement of fair and just prosecutorial practices. It has been an honor to serve the people of Cook County, and I am grateful for the opportunity to have led such meaningful changes in our community.”
The Final Report and Eight-Year Data Summary are attached and available for public review. They serve as a testament to the enduring efforts of the State’s Attorney’s office to foster a transparent, just, and inclusive Cook County.
The Cook County State’s Attorney’s Office (CCSAO) is the nation’s second-largest prosecutor’s office. Under the leadership of Cook County’s first Black woman State’s Attorney, Kim Foxx, the office has championed a progressive vision of justice that emphasizes thriving, healthy, and safe communities for all residents of Cook County, regardless of race, income, or zip code. As State’s Attorney, Foxx has been recognized as one of the nation’s most progressive prosecutors, employing innovative strategies to break the cycles of violence and crime and effecting change in a criminal justice system rooted in systemic racism. As her tenure draws to a close, her legacy of reform and community engagement will continue to influence the office. Follow @ SAKimFoxx on Instagram, X and Facebook and @CookCountySAO on X and Facebook for updates and information.
decor and treats for you (and your guests) to enjoy - both with your eyes and your taste buds.
Visit popcorn.org to find more holiday recipe inspiration from decor to desserts.
Cranberry Popcorn Balls:
2 cups sugar
1 cup whole berry cranberry sauce, slightly mashed
1 tablespoon grated orange peel 1/2 cup cranberry juice
3 tablespoons (1/2 of 3-ounce box) lime gelatin dessert mix
small red candies
jelly beans red fruit leather
To make cranberry popcorn balls: In heavy saucepan, combine sugar, cranberry sauce, orange peel, cranberry juice, corn syrup, vinegar and salt. Bring to boil; lower heat and cook to 250 F on candy thermometer. Mixture will bubble in pan so watch to keep from boiling over.
Pour mixture slowly onto hot popcorn and mix until well-coated. Let stand 5 minutes, or until mixture can easily be formed into balls. Butter hands and form into 3-inch balls.
To make holiday wreath popcorn treats: Spray large mixing bowl lightly with nonstick cooking spray and place popcorn inside.
In medium saucepan, melt butter over low heat. Stir in marshmallows and gelatin dessert powder until marshmallows are melted and mixture is smooth. Pour over popcorn and mix well until coated.
Spray hands with nonstick cooking spray and press firmly to form popcorn mixture into 9-inch logs then bend to form “wreaths.” Place “wreaths” on wax paper. Press candy pieces and jelly beans onto wreath to decorate; add “ribbon” cut from fruit leather.
The International Day of Persons with Disabilities (IDPD) is observed annually on December 3rd. According to the United Nations Department of Economic and Social Affairs, IDPD recognizes the critical role that persons with disabilities play in creating a more inclusive and sustainable world for all.
disabilities as well.
There are many ways to help people with disabilities feel more involved and productive. Some of these are to be respectful and nonjudgmental, focus on that person’s strengths and abilities, support involvement in decisionmaking, prioritize accessibility, help them find a hobby, include them in social gatherings, and employ them. People with disabilities have a lower rate of absenteeism. They are almost 25% more likely to outperform their organizational peers in productivity, according to a report called “The Disability Inclusion Imperative,” which was spearheaded by Accenture.
More and more research in the past few years has focused on the association between disability and suicide-related outcomes among U.S. adults. One study published in the National Library of Medicine in 2021 analyzed data from almost 300,000 U.S. adults. The results showed that people with disabilities were significantly more likely than those without disabilities to report suicidal ideation, suicide planning, and suicide attempts. People with various types of functional disabilities had an elevated risk for suicide-related outcomes. These findings call for focused attention to the mental health of people with disabilities, including suicide prevention efforts.
People with disabilities are more likely to experience depression. A study by the CDC found that an estimated 17.4 million adults with disabilities experience frequent mental distress. Some of the factors that increase the risk of depression in people with disabilities include younger age, pain, limited mobility, social isolation, and discrimination in the workplace. Depression is likely to be more common in people who suffer from intellectual
If you think that a friend or loved one is struggling with suicidal ideation, it is ok to ask them direct questions such as: “Are you thinking about hurting yourself?”, Have you thought about suicide before?”, or How are you coping with what’s happening in your life?”.
The Jason Foundation is dedicated to the prevention of suicide through educational awareness programs that equip us with tools and resources to help identify and assist at-risk youth and adults. If you have a friend or loved one with disabilities, it is important to know the warning signs and risk factors associated with suicidal ideation. Knowing this information could be key to saving that person’s life. For more information and to find the closest Jason Foundation Affiliate Office, visit www. jasonfoundation.com
Holiday Wreath Popcorn Treats and Cranberry Popcorn Balls Yield: 8 wreaths and 18 balls
Holiday Advice to Keep Pets Happy and Healthy
While family and friends share gifts and hearty meals during the holidays, pets are there to share snuggles and comfort. This year, make sure you protect the joy of the season by keeping pets safe as you likely introduce new foods, decor and other potential hazards in the home.
Share the holiday cheer with your pets by unwrapping peace of mind with these suggestions from the experts at VCA Animal Hospitals.
Manifest Holiday Mindfulness
Keeping your pets (and yourself) happy and healthy throughout the holiday season isn’t just about the physical. Don’t forget the mental and mindful aspect of care with these fun, easy ways to spread cheer.
Practice Self-Care Together: Enjoy a “spaw” day with pet-safe grooming products, throw a holiday-themed movie night, grab your favorite blanket for a cuddle session or try pet yoga.
Manifest Happiness: Write five reasons you’re grateful each morning, send holiday notes to those you care about, play interactive games during festivities and put a little extra thought into gift-giving.
Supercharge Your Calm: Meditate with your pet, unplug from social media to be present with loved ones (including pets), take a deep breath during special moments and accept that some things may go wrong during this hectic season.
Get Moving: Go for a winter walk, teach your pet a new trick, create an indoor obstacle course, enjoy a playdate at the dog park or introduce your pet to a new toy.
Avoid Toxic Foods and Hazardous Items
Your festivities are sure to be filled with love, laughter and joy, but all that celebrating is likely to include decorations and delicious foods that are harmful to pets.
Pets are often naturally curious and may be attracted to bright, shiny items like candles and decorations. Protect against accidents by keeping decorations like tinsel, ribbon, open-flame candles and fragile ornaments out of reach. Avoid plants like poinsettias, mistletoe, lilies, holly and amaryllis that may be toxic to pets. Be sure to cover or hide exposed electrical cords and exposed Christmas tree water.
Many common festive foods are bad for pets. It may be tough to resist those cute, begging eyes, but your pet’s health will benefit from your restraint. Keep chocolate, candy, fatty meat and bones, alcohol and exposed trash off the menu for pets.
Stay Prepared
Being prepared is always a good idea for pet owners, but the holiday season especially can be unpredictable with new routines, unfamiliar guests, hazardous foods and more. Stay safe throughout the festivities and enjoy peace of mind knowing VCA is by your side for those unforeseen moments with access to world-class emergency medicine by providing 50% off an ER exam for all pet owners and free ER exams for CareClub members.
Visit pets.vcahospitals.com/er-holiday to claim your 50% off coupon, find a location near you and discover more tips for a safe, pet-friendly holiday season.
Holiday Do’s for Healthy Pets
With endless checklists and to-do’s before big holiday gatherings, you know how important it is to be organized during
this hectic time of year. Part of your organizational strategy ahead of the festive season should include your pet’s health and ways you can protect him or her whether you’re celebrating at home or on the go.
Consider this list your holiday cheat sheet with quick, easy ways you can protect pets before, during and after get-togethers.
• Decorate with pet-safe ornaments
• Keep festive plants out of reach
• Put a skirt around your Christmas tree and secure it so it can’t fall over
• Invest in electric candles or menorahs
• Keep dogs inside during get-togethers
• Follow your pet’s regular diet
• Create a quiet space for your pet away from guests
• Check in with your pet to ensure he or she is happy and comfortable
• Thoroughly clean up and pack away any leftovers
Source: VCA Animal Hospitals Photos courtesy of Shutterstock.
To control your spending this holiday season, stick with cash
By Jay L. Zagorsky via The Conversation
The holiday shopping season is now here, and Americans are ready to splurge. The average U.S. shopper expects to spend more than US$1,000 on gifts for Christmas and other winter holidays this year, surveys show.
These days, consumers have no shortage of payment options, each seemingly more enticing than the last. Do you swipe your credit card and pick up “free” miles? Do you use buy-nowpay-later and spread the payments out over time? Do you use a debit card to avoid going into debt?
As a business school professor who writes about the holiday shopping season, I’ve been thinking about the best way to pay for holiday gifts without breaking the bank. My advice, found in my forthcoming book The Power of Cash, is counterintuitive. Don’t use any of these things. Instead, use good old-fashioned paper money.
Yes, using cash instead of paying electronically is a simple way to control your holiday spending while even helping others. And I speak from personal experience. Why cash is less likely to set you back
Before spending any money, it is important to set a holiday budget. The problem is that while everyone thinks setting a budget is a good idea, few people do it, and even fewer stick to it.
Budgeting is like dieting: Temptation and time pressure cause the best intentions to fail.
I’ve seen this in my own life. One holiday season I carefully set a budget. However, with only hours left before exchanging presents, I didn’t have anything for three nieces. In my desperation, I wildly overspent on gifts I doubt they ever used. Using cash can help you avoid making the same mistake I did. It works for some simple reasons: First, committing to just using paper money provides an automatic method of budgeting. When you’re out of cash,
you’re done shopping. Now I don’t recommend putting all of your money into your wallet at once. Instead, take only a portion of your budgeted cash when going shopping, or if you are taking all of it, split the money up and keep some in a separate reserve.
Second, using cash helps you spend less because of the “pain of paying.” Spending paper money causes a momentary feeling of regret, research in consumer psychology shows. This in turn helps slow down purchases. People don’t feel the same pain when they use credit cards, because the bill comes due in the future.
Third, in the long run, paying cash for things is cheaper because you don’t have to pay interest on purchases. About half of all credit card users carry a balance each month. With the average balance currently over $6,000, the interest alone on charging gifts can cost you hundreds of dollars.
And one more point: Many people buy holiday gifts for themselves, and research shows that paying cash makes you initially treasure a purchase more than when paying with electronic means. Cash payers feel stronger ownership because they made a “mental investment” in the item.
Using cash while shopping online
It’s easy to use cash for in-person purchases, but you can’t stick paper money through a computer or phone screen to make online purchases. Yet this holiday shopping season, online purchases are expected to break $240 billion.
It is possible to use cash only, even if you’re relying on e-commerce. A simple method is to purchase an online retailers’ gift card using cash and add that gift card to your account’s balance. If you want to spend more, you will need to physically get out to a place selling cards like your local supermarket and spend cash.
This triggers the pain of paying and also takes a bit of
time, giving you an opportunity to think about whether this is really the right gift and the right amount to spend on it.
One final point: The holiday season isn’t supposed to be just an exercise in consumerism. Instead, one goal is helping others. Paying for gifts with cash actually does this. There are many people without credit cards, debit cards or mobile payment apps who are excluded from shops that refuse to take cash. People without electronic methods are primarily poor and elderly. Millions of Americans are cash payers, surveys show, so using cash helps them because it provides a clear signal to businesses that paper money is still wanted and needed. The holidays are supposed to be fun, but they’re not so enjoyable if you are stressing about money. How do you stick to a budget and ensure you don’t have huge bills to pay after the holidays are over? The answer is simple: Use cash. By itself, cash won’t make the holidays a jolly time, but it removes one big problem.
