Published every week covering the towns of South Holland/Thornton, Lansing, Dolton/Calumet City, Munster, Highland, and Schererville. Our circulation is independently audited by CAC.
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The Shopper reserves the right to edit any content supplied for publication as it sees fit, including but not limited to clarity, grammatical and factual accuracy, and to accommodate available space. All real estate advertising in this newspaper is subject to Fair Housing Laws which makes it illegal to advertise “any preference, limitation or discrimination based on race, color, religion, sex, national origin, familial status, sexual orientation, marital status, military status, age, ancestry, parental status, source of income, military discharge status or housing status,” no matter how large or small the property. This newspaper will not knowingly accept any advertising for real estate which is in violation of the law. Our readers are hereby informed that all dwellings advertised in this newspaper are available on an equal opportunity basis. To complain of discrimination call HUD toll-free at 1-800-669-9777.
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Have a Happy Holiday
by Janice R Newman
It’s my favorite time of the year- not just for the holidays, festivals, and family gatherings, but because it’s time to say goodbye to this year and welcome in the new year. A new year starts with new beginnings, renewed hope, and exciting opportunities. Welcoming the new year feels like a breath of fresh air, hinting that spring is just around the corner. You know it’s getting closer to springtime to bring back birds singing, plants sprouting, and turning back those clocks that we hated to change in November.
The exhilaration of rushing around for that last-minute gift for the relative you didn’t know was coming for dinner. Everyone seems preoccupied with decorating the house, preparing meals, wrapping gifts, and making sure we look our best for the big get-together. Stopping to catch our breath to wonder, did we miss anything? The answer is yes!
Don’t forget to remember why the people in your life matter to you.
Don’t forget to count your blessings and be thankful for the little things in life.
Don’t forget to say, “I love you!” to those who need to hear it.
Don’t forget the true meaning of the holidays.
Don’t forget to be loving and kind to others.
Don’t forget to thank God for guiding you and your family through the year.
Don’t forget it’s not just about receiving but also giving.
Don’t forget it’s okay not to get everything you want. (We’ll always have unfulfilled wants.)
CATHY & JIM HIGGINS
Question: My Home has been on the market for 8 months now with no offers. My home needs some updating, but I know it is worth what I am asking for it. I have had few showings. Any suggestions?
Answer: A Sellers Lament:
It’s been 53 weeks since my house went for sale.
My home must be invisible here on Timberline Trail.
Buyers should be coming round after round,
Because I buried St Joseph into the ground.
The Realtor said it needs some cleaning and shining.
And to transfer my energy to updating, not whining.
I’m changing some fixtures and adding new floors,
In hopes to see more buyers come through those ‘new’ doors.
My plan must be working, more buyers are here.
I can feel it coming, a sale is near.
But another month passed, with no offer in sight, That light in the tunnel is not looking too bright.
The Realtor said to lower the price. Then I told him my thoughts, which weren’t very nice.
I’ll give it some thought, I disgustingly said,
As he left my home, shaking his head. My house is worth more, I’ve lived here for years.
So many memories, blood, sweat and tears.
But I lowered my price, just as I was told. And a few days later, my home finally Sold. We Wish you & your Family a Wonderful Holiday Season and a Very Happy 2025!
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
Don’t forget those who are alone this season. A call or an invite can brighten their day.
Don’t forget, don’t go for seconds until everyone has eaten.
Don’t forget to be thankful for what you have and what’s you’ve made it through.
And lastly, don’t forget to have a wonderful, spectacular, happy holiday, because…
Don’t forget that you return to work in a few days or the day after.
Don’t forget you have to take down all the holiday decorations and store them away.
Don’t forget all the credit card bills are on their way.
Don’t forget you have to walk the dog that you thought would be great “for the kids.”
Don’t forget to delete those embarrassing photos taken while eating or dancing.
Don’t forget to apologize for any squabbles or fighting over the turkey leg.
Don’t forget to throw out that awful casserole that Aunt Martha always brings.
Don’t forget you have to return all the Amazon purchases you didn’t want or love.
Most importantly, don’t forget to say your prayers and give thanks to God for His unfailing love and guidance. His mercy and grace sustain us daily with His loving kindness, even when we fall short.
Let’s praise and bless the Lord this holiday season! We wish you and your family a joyous and blessed holiday season! See you next year! Y? Why Not!
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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
God is infinitely powerful, so his words come with infinite power. Through his all-powerful word, God created the world, rules the world, reveals himself to us for the sake of relationship and redeems us to enjoy relationship with him.
In the Gospel of John, John introduces us to Jesus in the most curious way. “In the beginning was the Word, and the Word was with God, and the word was God” (John 1:1, ESV).
Why would John call Jesus the Word? Let’s go back to the four things God does and has done through his all-powerful Word.
First, God created the world through his Word. Jesus was there at creation, implementing God’s instructions. “All things were made through him.” (John 1:3, ESV).
Second, God rules the world through his Word. Today, he rules the world through King Jesus. Jesus said, “All authority in heaven and on earth has been given to me” (Matthew 28:18, ESV).
Third, God reveals himself to us through his Word. He does that through Jesus! God’s Son came to earth to embody God’s nature and qualities. John 1:14,18 (ESV) says, “The Word became flesh and dwelt among us, and we have seen his glory, glory as of the only Son from the Father, full of grace and truth... No one has ever seen God; the only God who has at the Father’s side, he has made him known.”
Finally, God redeems us through his Word. He does this through Jesus. John 3:16 says, “For God so loved the world that he gave his only Son, that whoever believe in him will not perish but have eternal life.” In John 5:24a (ESV, Jesus said, “Whoever hears my word and believes him who sent me has eternal life.”
Merry Christmas!
Richard Zekveld, Pastor, 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
or g a nd leav e your f u l l name, em a i l a n d p h o n e n umber t o 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/
Dispose of live Christmas trees with these expert tips
Whether people with live Christmas trees intend to keep theirs up for a short or extended time this holiday season, the tree care experts at The Morton Arboretum recommend planning ahead for their proper disposal once they’re taken down.
“Festive evergreen trees brighten homes during the holiday season, but they won’t last forever,” said the Arboretum’s Plant Clinic Manager Spencer Campbell. “It’s crucial to safely and appropriately discard a tree after its use to prevent a fire hazard.”
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. Campbell offers these recommendations for proper tree disposal:
• Prevent fires. Dry trees can quickly become fire hazards. Discard a tree as soon as it shows signs of drying out. Dry needles will become brittle and start to fall off, and the tree will no longer absorb water. “Never burn an evergreen tree in a fireplace or woodstove, as it may cause buildup that could lead to a chimney fire,” Campbell cautioned.
• Recycle. Bare evergreen trees can be recycled at participating facilities. Check with local municipalities or waste management companies about tree recycling or disposal arrangements, including when and where trees will be picked up or whether they need
to be brought to a recycling site. Recycled trees are chipped into mulch or compost. In some municipalities, people can pick up the fine-smelling mulch and spread it in their gardens.
• Clear the branches. “Only the actual tree can be recycled,” Campbell said. “Be sure to remove all decorations. If using a plastic tree bag to carry the tree from the house, take the bag off outside.” Trees that aren’t bare will go to a landfill instead of being recycled. Flocked trees—those covered in white synthetic powder to suggest snow—can’t be recycled. They must be thrown away in regular trash. Don’t recycle live garlands, wreaths or anything containing wire, which could damage the shredding machinery. Discard those items in the trash.
• Consider your garden. Branches cut from a tree can help protect plants in gardens. Branches laid over garden beds will insulate the soil so it doesn’t heat up in winter warm spells and cause plants to emerge prematurely from dormancy. This is most useful in full-sun beds.
• Give wildlife a hand. “If space permits–and neighbors don’t mind–leave the tree in your backyard to provide shelter for birds and other animals during winter,” Campbell said. Individuals can also place the trunk in a pond on their private property to provide shelter for fish.
The Morton Arboretum Plant Clinic is generously sponsored by Bartlett Tree Experts.
If you’re a business owner, you’re always thinking about the days ahead. What can I do to boost sales in the next year? What trends should I be watching? What’s the forecast for my industry? But there’s one element of the future you might be overlooking: your retirement plan.
Consider these advantages of establishing a retirement plan for your business:
• You’ll build resources for your retirement. You might sell your business one day, but can you count on that to fund your retirement? By investing in a retirement plan for many years, you can help accumulate the resources you will need to enjoy life as a retiree.
• You can help your business attract and retain employees. In a tight labor market, you’ll want to employ all the advantages you can to attract and keep good employees — and a retirement plan can help.
• You can gain tax benefits. Your contributions to a retirement plan — on behalf of yourself and your employees — can be tax deductible. Plus, you can get tax credits for starting a new plan.
Here are some retirement plans to consider:
Owner-only 401(k) — This plan is available to self-employed individuals and business owners with no full-time employees other than themselves or a spouse. You may even be able to choose a Roth option for your 401(k), which allows you to make after-tax contributions that can grow tax free. In 2024, the combined employee and employer contribution limit was $69,000, or $76,500 for those 50 or older. These limits are likely to rise in 2025.
• Personal defined benefit plan — You can establish a pension plan, also known as a defined benefit plan, for yourself if you’re self-employed or own your own business. For 2024, the annual defined pension benefit for a
business owner cannot exceed the lesser of $275,000 or 100% of their average compensation for the previous three highest consecutive calendar years.
• SEP IRA — If you have just a few employees or are self-employed with no employees, you may want to consider an SEP IRA. In 2024, your contribution limit was 25% of your salary or $69,000, whichever was less. The percentage of your salary you contribute to your SEP IRA is the same percentage of your eligible employees’ salaries you must contribute to their SEP IRAs.
• SIMPLE IRA — A SIMPLE IRA is easy to set up and maintain, but while it may be advantageous for your employees, it’s less generous to you, in terms of allowable contributions, than an owner-only 401(k) or a SEP-IRA. In 2024, you could contribute up to $16,000 to a SIMPLE IRA, or $19,500 if you are 50 or older. You must put in 2% of your employees’ salaries, regardless of whether they contribute, or match their contributions dollar for dollar, up to 3% of their salaries.
And keep this in mind: The SECURE 2.0 legislation has made it possible for you to offer a Roth version of a SEP or SIMPLE IRA. Although contributions to either Roth account are not deductible, earnings and withdrawals are tax free, provided you (and your employees) are at least 59½ and have had your account at least five years.
To learn more about these and other business retirement plans, you might want to contact a financial professional. But don’t wait too long — the sooner you start preparing for your retirement — and helping your employees plan for theirs — the better.
This article was written by Edward Jones for use by your local Edward Jones Financial Advisor, Patrick Zamkin, located at 18735 Dixie Hwy, Homewood, IL 60430. Contact us at (708) 798-9066. Edward Jones. Member SIPC.
Lorraine Ashley, née Stenzel, age 99, passed away peacefully on Tuesday, December 10, 2024. Beloved wife of the late Maynard Ashley. Loving mother of Robert (Nancy) Ashley, Patricia (William Mock) Ashley, Donald (Lisa) Ashley, James (Beth) Ashley, and Barbara (Robert Seaney) Ashley. Cherished grandmother of Colleen (Matthew) Taylor, James (Amy) Ashley Jr., Nicole (Michael) Quien, Michael (Jenna Gagen) Ashley, Jonathan (Nellie Suto-Ashley) Ashley, Jennifer Ashley, and the late Meaghan Ashley. Greatgrandmother of five greatgrandchildren and three step great-grandchildren. Also preceded in death by mother Stella Tsantilis and brother Irvin Stenzel. Lorraine was loved by many and will be dearly missed by family and friends, including the Enri and Casper families, devoted neighbors Ron and Bev Sulkowski, and her dear caregiver, companion, and friend, Heather Van Dommelen.
Lorraine, who grew up on the near NW side of Chicago, was the first in her family to obtain a college degree. After graduating from Chicago Teacher’s College, and teaching in the Chicago public school system, she married Maynard in June 1950 and raised five children. Later, Lorraine enjoyed attending her grandchildren’s sporting events, piano recitals, and band concerts. She was a lifelong reader and developed many interests over the years, including fishing, bowling, theater, and world travel. She loved to laugh and was known for her wry sense of humor. She was a great listener, wonderful source of grounded wisdom, and comfort for loved ones in challenging times.
A memorial visitation will be held Friday, December 27, 2024, from 1:00 – 2:00 p.m. followed by a memorial service from 2:00 – 3:30 p.m. at Smits Funeral Home, 649 E. 162nd St., South Holland, IL. In lieu of flowers, donations to https://www. eriefamilyhealth.org/ support/donate/. If you’re feeling ill or are otherwise unable to join us, the service will be live streamed from our Facebook page at https://www.facebook. com/SmitsFH. Private inurnment will occur later at the Assumption Cemetery in Glenwood, IL. For further information, please contact 708-333-7000 or visit our online guestbook at www. SMITSFH.com.
Robert R. Rietveld, age 91, of Bourbonnais, IL, passed away Saturday, December 14, 2024. Beloved husband of Joyce Rietveld, nee Santefort. Loving father of the late Kim (David) Laning, Kathy (late Bill) Rosenberg, and John (Rhonda) Rietveld. Cherished grandfather of 8 grandchildren, 15 greatgrandchildren, and one great-great-grandchild. Dear brother of Phil (late Audrey) Rietveld and the late Jay (Sherry (Russ) Gouwens) Rietveld. Uncle of several nieces and nephews. Preceded in death by his parents Cornelius and Nellie Rietveld.
Bob was a United States Army Veteran and was a lifetime farmer and horseman. He loved helping pick sweet corn for the Farmstand in his later years, and was also successful with horse racing. He was a true family man, whose faith and strong work ethic were evident in everything he did. He also loved sports and was proficient at most any he played, baseball, hockey, racquetball, and water skiing. Bob was a loving husband, amazing father and doting grandfather. In addition to his family, he was blessed with many friends and will be deeply missed by all who had the privilege of knowing him
A memorial visitation will be held Saturday, December 21, 2024 from 12:00 p.m. until the time of the memorial service at 2:00 p.m. at Smits Funeral Home, 2121 Pleasant Springs Lane, Dyer, IN with Rev. Jason DeVries officiating. Memorial contributions may be given to a charity of choice. For further information please contact 219-322-7300 or visit our online guestbook and obituary at www. SMITSFH.com
Kathleen M. Hauptman, nee Bretz, age 84, of Cedar Lake, IN, passed away Tuesday, December 17, 2024. Loving mother of Chris (Jeffrey) Polacek, Victoria Tiberi, Sherri (late Pedro) Ochoa, and Marian (Mike) Thrash. Devoted grandmother of 14 grandchildren and 13 greatgrandchildren. Dear sister of Chuck Bretz, late Jim Bretz, Joe Bretz, late Tom Bretz, late Mike Bretz, Mary Anne Pallay, and Lisa Krueger. Kind aunt of many nieces and nephews. Preceded in death by her parents Charles and Alice Bretz.
Memorial visitation Saturday, December 28, 2024 from 3:00—8:00 p.m. at Smits Funeral Home, 2121 Pleasant Springs Lane, Dyer, IN. For further information, please contact 219-322-7300 or visit our online obituary and guest book at www. SMITSFH.com
Joseph H. Hoadley age 102, passed on to the other side peacefully Wednesday, December 18, 2024. Loyal and loving husband of 80 wonderful years of Virginia. Loving father of Don and Regina. Proud papaw of Dawn, Rob, Shawn, Patrick, Brian, Megan, Kristin, Grant, Laurin, Jarrod, Nyela, Christopher, Aramis, Finnegan, and Irene. Dear brother of the late Carmenetta (late Lawrence), and Norma (late Kenneth). Preceded in death by his parents Jesse and Juletta Hoadley.
Joe is remembered for his devotion to his family, faith, and hard working example as a union carpenter for over 75 years. His life has impacted many; he was loved by his family, extended family, many friends, and will be dearly missed. The word gentleman, will be forever attached to his memory. Special thanks to all of those who have provided care over the past year, especially Austin, Laura, Erin, Sheila, Olga, and Catrina. God Bless You All.
Visitation Sunday, December 29, 2024 from 3:00—8:00 p.m. Funeral service Monday, December 30, 2024 at 11:30 a.m. at Smits Funeral Home, 2121 Pleasant Springs Lane (Rt.30/Pleasant Springs Ln.), Dyer, IN, with Minister Peter Bumpass officiating. Entombment Chapel Lawn Memorial Gardens – Crown Point, IN.
In lieu of flowers, memorial donations to Shults-Lewis Children’s Home P.O. Box 471 Valparaiso, IN 46384, appreciated.
For further information, please contact 219-322-7300 or visit our online obituary and guest book at www. SMITSFH.com
Kevin J. Janiak, age 63, of St. John, formerly of Dyer, and Lowell, IN, passed away Monday, December 16, 2024. Loving husband of Kimberly S. Janiak, nee VanWieren. Devoted father of Amanda (John Vena) Elliott and Michelle (fiancé Benton Schrader) Burch; father-in-law of Jennifer Bos. Proud grandfather of Emma Bos, Madeline Burch, Noah Burch, and Jovanni Vena. Dear brother of Glenn (Dawn) Janiak, Kathy (John) Trama, Roger (Linda) Janiak, and Lisa (Pete) McNamara. Brother-in-law of Carol (Lou) Hoekstra, Judy (Marty) Boender, and Jim Van Wieren. Kind uncle of many nieces and nephews. Preceded in death by his parents Richard and Charlotte Janiak and his first wife Catherine ElliottJaniak. Kevin was loved by his family, his church family, and many friends, and will be dearly missed.
Visitation Thursday, December 19, 2024 from 4:00 p.m. until the time of Kevin’s funeral service at 7:00 p.m. at Smits Funeral Home, 2121 Pleasant Springs Lane (Rt.30/Pleasant Springs Ln.), Dyer, IN, with Pastor Todd Cosenza officiating. Interment Friday, December 20, 2024 at 10:30 a.m. in the chapel at Memory Lane Memorial Park, 6305 Lincoln Hwy, Crown Point, IN.
In lieu of flowers, memorial donations to the A.L.S. Association (https://www. als.org/) or Hope Church (www.hopechurchlife.org), appreciated.
For further information, please contact 219-322-7300 or visit our online obituary and guest book at www. SMITSFH.com
Winter Officially Kicks Off Saturday: Are You Ready?
Winter officially begins Saturday, Dec. 21, bringing freezing rain, snow and plummeting temperatures. Families can prepare now to stay safe, warm and protect their homes with guidance from FEMA’s #WinterReady campaign.
“It’s never too early to think about what you would do if stranded on the side of the road or stuck at home without power during a snowstorm,” said FEMA Region 5 Regional Administrator Tom Sivak. “Taking steps today—like making a plan and assembling emergency kits with essential items like food, water, medications and pet supplies—can make all the difference when winter weather strikes.”
Here are a few things to keep in mind as winter rolls in:
1. Wear a coat and dress in layers if you work outside or participate in outdoor activities. This will help regulate your body heat and keep you warm. Be sure to keep your skin covered by wearing a hat, scarf and mittens. Hats help keep the body warmer and mittens are more effective than gloves.
2. Know what to do if you experience frostbite or hypothermia. If the cold causes pain in your body, numb or tingly skin, slurred speech, or shivering, go indoors immediately. Remove wet clothing, wrap up in a warm blanket and if you can, sip on warm fluids to stabilize your body temperature.
3. Gather supplies for your emergency kits. It’s important to keep an emergency kit in your home. This kit should include nonperishable food, a can opener, water, blankets, prescription medications, a weather radio, a flashlight with extra batteries, a portable cell phone charger, kid-friendly activities, and pet food. It’s also a good idea to make sure everyone in the family has the phone numbers for emergency contacts. It’s also important to keep an emergency kit in your vehicle in case you are stranded in the cold. This kit should include an ice scraper, jumper cables, a small shovel, blankets, nonperishable food, water and a portable cell phone charger.
4. Heat your home safely. If you use a space heater, remember to keep it at least three feet away from items like curtains, rugs, furniture, bedding and other items that can burn. The heaters should be plugged directly into the wall and the cords should not be frayed or damaged. Never use a gas stovetop or oven to heat your home. This can release carbon monoxide into the air and cause serious health risks, even death.
5. Check on elderly friends and neighbors. Older adults often have a harder time regulating body temperature, so they are at a higher risk of experiencing cold-weather related injuries. Be sure to check in on them to see if their heat is working properly and they have what they need to make it through the cold.
To learn more about how to prepare for extreme cold and severe winter weather, visit #WinterReady | Ready. gov. The #WInterReady campaign also offers messaging, graphics and resources to help educate the public on the risks of winter weather, promote fire safety and urge caution when travelling in winter weather. Access these tools by visiting #WinterReady Partners Toolkit.
New Social Networking Site Debuts in Time to Help People Find Meaningful Connections this Holiday Season and Beyond
For some people, the holidays can be the loneliest time of the year. For those who feel isolated, there’s now a positive way to make more meaningful connections. TrueEQ is a new social networking site where users create and nurture more authentic relationships, and reframe how they think about themselves and their place in the world. This app could be the key to a more fulfilling holiday season and the start of a transformative new year!
“TrueEQ is rooted in emotional intelligence,” explains creator Brandon Bishop. “It is for compassionate people who prioritize selfawareness and emotional growth over idealized status and appearance. This foundation enables people to connect on a deeper emotional level, away from the noise and distractions of traditional social media.”
Bishop anticipates this will start a positive movement. “This new platform isn’t a dating app. Nor is it just about meeting like-minded people. It’s about becoming the best version of yourself.”
What is emotional intelligence?
Emotional intelligence (EQ) is a skillset that helps people understand and manage their emotions. Its four pillars are:
•Self-awareness: Understanding emotions. Self-awareness involves an individual’s recognition of their feelings, and how they impact their actions and decisions.
• Social awareness: Tuning into others’ emotions. This is about seeing beyond words, tuning into body language, tone, and other subtle cues that reveal deeper feelings.
• Self-management: Mastering your emotions. This is the art of regulating emotional responses in ways that serve relationships rather than harm them.
• Relationship management: Building emotionally intelligent bonds. This is about handling conflict with care, communicating openly, and fostering trust.
“Research consistently shows that individuals with high emotional intelligence are better equipped to manage their emotions, understand the feelings of others, and build strong, empathetic relationships in both personal and professional settings,” says Bishop.
For Bishop, this is a passion project Bishop, who holds a master’s in secondary education from the University of Missouri, knows firsthand how painful and isolating shallow relationships
can be. He grew up with parents who were emotionally unavailable. From a young age, he tried to fill the void with friendships that consistently deteriorated. He began to understand that true self-worth comes from within. The idea of creating a platform where he can teach users how to have safe and authentic interactions took hold.
“TrueEQ is about building connections that uplift and transform. Whether individuals are looking for a friend, partner, or colleague, this new platform can help them find people who truly care, listen, and support them on their emotional journey.”
How the TrueEQ community platform works
All new users to the free platform will take a 15-question, multiple-choice quiz to assess their strength in each of the four EQ categories. Don’t worry. These results are not shared with anyone.
A proprietary heart meter visually represents each user’s EQ to encourage growth and self-reflection. EQ scores and interests will be used to create connection suggestions.
“People want to surround themselves with communities that are supportive and encouraging,” Bishop observes.
“This platform isn’t about posting pictures of your last meal or items you’re selling. It’s designed to unite people who want more meaningful connections and are willing to develop stronger EQ skills.”
This will become a platform for lifelong learning and personal growth
Bishop intends to expand the societal impact of this new platform by collaborating with scientific researchers and educators who can contribute content to support the brand’s mission. He also envisions partnering with corporate trainers, therapists, educational institutions, and others to develop TrueEQ training materials and certification programs.
“TrueEQ focuses on creating connections based on emotional depth and empathy. These skills can be valuable in the workplace, our educational system, and in high-stress occupations such as healthcare and first responders. This platform is transformative for anyone wanting more meaningful connections and wanting to get better at handling conflict with care, communicating openly, and fostering trust.”
Visit https://trueeq.app/ to access the platform on your desktop or mobile browser.
For additional convenience, dedicated apps are available on both the Apple Store and Google Play Store.
Neighbor 2 Neighbor
Ever wonder where the fancy
houses come from? Wonder no more— they are created by Kerry Moore, owner of the
in Lansing. Each gingerbread house is hand decorated by Moore’s “Elves” and set out for the rest of us to enjoy. There are still a few left for Christmas.
Janice and Larry Kutz. Janice is sporting the Calabria Imports official TShirt with 4 Chicago stars! Merry Christmas everyone. And a very Happy New Year 2025
Miss Holly at her Schererville studio, Josef & Marie! Christmas is just a few days away and Holly has just the right presents!!!
A holiday tree circa Hertz on the Boulevard in. Highland , Indiana decorates the parking lot.A Merry way to showcase the season!
Larry Kutz, president of the SSEVV veterans and Tony Rebeles, Treasurer of the long time service organization based on the Southeast Side at the annual Holiday Party Saturday Dec 14, 2024. A great time was had by all.
gingerbread
Calumet Bakery
The lovely hand decorated Gingerbread Houses created by the “ Elves” at Calumet Bakery in Lansing. There are still a few left. Location is 183rd and Torrence Avenue. Lansing il.
Christmas fun at St Florian Church in Hegewisch. Fr David Simonetti and the ladies group from Sunday December 8, 2024. St Florian has a full schedule of Christmas Masses and celebrations. Please call them at 773-646-4877 for information.
These words speak to us. We are Privileged to be citizens of the USA in
JANICE MINTON-KUTZ
Helped Client File Appeal
WOODROW WILCOX
On December 9, 2024, an 89-year-old client phoned me about a medical bill from a local hospital. The client lives in Crown Point, Indiana. We made an appointment to meet the next day.
The client brought me papers to review. A local hospital was charging her a balance of over $319 for a visit to the hospital in July 2024. I checked the papers that the client brought. I believed that the hospital was overcharging the senior in violation of Medicare rules. So, together, we phoned the hospital to have a chat.
The person representing the hospital was polite. She disagreed with my reading of the billing and Medicare rules. So, I helped the client file an appeal with Medicare.
With some editing to protect privacy, here is the cover letter introducing the appeal to Medicare.
This is an appeal for help against a hospital in Indiana which chose to ignore Medicare rulings as stated in the Medicare Summary Notice that I received.
Copies of the bill from the hospital and the Medicare Summary Notice (MSN) accompany this letter.
The hospital insists on charging me $319.13 when the MSN and its
footnotes tell that the hospital cannot do that. The information on the MSN should match the information on the Medicare Explanation of Benefits that the hospital got.
Today, I phoned the hospital with the assistance of the agency administrator at the insurance agency that I use. Since the hospital did not drop the charges, the administrator helped me file this appeal.
The date of service for all services listed is July 12, 2024.
Please, review this matter and these papers and advise me.
The help that I am giving this client is FREE OF CHARGE. This insurance agency helps all our clients with similar medical bill problems. If your insurance agency does not give this high level of customer service, why don’t you switch to another insurance agency that does?
Our agency does.
Note: Woodrow Wilcox is the senior medical bill case worker at Senior Care Insurance Services in Merrillville, Indiana. He has saved clients of that firm over three million dollars by fighting mistakes and fraud in medical billing. Also, Wilcox wrote the book SOLVING MEDICARE PROBLEM$ which can be ordered through book stores and online.
Windy City Mushroom spawns a taste for gourmet mushrooms
By DIRCK STEIMEL Illinois Farm Bureau Partners
In a cavernous warehouse on Chicago’s South Side, Windy City Mushroom works to encourage Midwesterners – and people from all over the country – to eat more high-quality mushrooms. The young company’s mission is to put mushrooms on every plate in the country by growing them to be sustainable, affordable and delicious.
To accomplish that, Windy City Mushroom works to increase production and expand its distribution network to include several Chicagoland farmers markets and a growing number of food retailers.
“In Europe and other parts of the world, people consume far more gourmet mushrooms than we do here in the U.S.,” says Scott Detterman, chief operating officer at Windy City Mushroom. “A big reason for that is that the supply of highquality mushrooms has just not been available here. We saw a gap in the market and a giant opportunity.”
Along with fresh mushrooms, Windy City recently introduced its Fungitarian line, dishes featuring fully cooked mushrooms blended in a cooking pouch with sauces, such as marinara and taco.
“The product comes frozen, so you can just put it in a pan, and boom, you’ve got a healthy dinner that kids are familiar with,” Detterman says.
Room for growth
For founder Guy Furman, the opportunity in mushrooms sprouted in 2020. After starting the business in the Humboldt Park area of western Chicago, the company recently moved into its current space, a 50,000-square-foot warehouse in Chicago’s Ford City area.
The warehouse, once part of a factory that built engines for World War II-era bombers, is ideal for raising mushrooms.
Office of Medicaid Policy and Planning Director to step down
Indiana Medicaid Director Cora Steinmetz will resign in early 2025 after navigating the Office of Medicaid Policy and Planning through a forecast variance that resulted in cost containment strategies, new robust monthly financial reporting, and a more thorough policy review process. “Few individuals have made such a remarkable impact on an agency in such a short time,” FSSA Secretary Dr. Dan Rusyniak said. “Her leadership came at a pivotal moment, and Indiana was incredibly fortunate to have her at the helm of Medicaid. She guided us through unprecedented challenges with vision and determination, leaving our agency stronger, more resilient, and ready for the future.” Steinmetz has been Medicaid director since August 2023. Previously, she worked as Gov. Eric J. Holcomb’s senior operations director for health-related state agencies, including the Family and Social Services Administration, Department of Child Services and Indiana Department of Health.
Indiana Medicaid faced an unprecedented $1 billion forecast variance in late 2023, and Steinmetz led the office in establishing a number of review and reporting practices to enhance oversight of the Medicaid budget, address the variance and ensure such a variance does not happen again, including:
• Implementation of improved financial forecasting and trend analysis, including the use of more real-time data.
• Monthly reporting processes to analyze trends and ensure transparency and stewardship of taxpayer resources.
• Development of agency-wide processes to review programmatic changes to ensure an understanding of enrollment, utilization, and reimbursement impacts. Additionally, under her leadership,
Indiana Medicaid has:
• Launched the Indiana PathWays for Aging program, a managed LongTerm Services and Supports (mLTSS) program and the state’s fourth managed Medicaid program. Indiana PathWays for Aging provides coverage for 120,000 Hoosiers, 80% of whom are dually eligible for Medicare and Medicaid.
• Transitioned the former Aged and Disabled waiver into two new waivers, the Indiana PathWays for Aging waiver for individuals aged 60 and older to coordinate waiver services with health coverage under the managed care program, and the Health and Wellness waiver for individuals under age 60 to improve alignment with other waivers supporting individuals with disabilities.
• Submitted a five-year extension of the Substance Use Disorder (SUD) and Serious Mental Illness (SMI) 1115 waiver to ensure continued access to a comprehensive continuum of behavioral health services for Indiana Medicaid members.
“Leading Indiana Medicaid during this time has been a rewarding and challenging experience,” said Steinmetz. “I am grateful for the opportunity to have contributed to meaningful progress while serving alongside a passionate and purpose-driven team.”
Steinmetz, a licensed attorney, has also worked as a program director for government programs and revenue cycle compliance for IU Health and was an attorney for the Indiana Department of Revenue and the Bureau of Motor Vehicles. She is also a board member for Music for All, a national organization focused on music education.
She is exploring options for future employment.
to oyster and lion’s mane mushrooms.
“There is a lot of complexity to raising mushrooms, so it made sense to narrow it down so we can always have a consistent supply,” Detterman says.
Oyster mushrooms, which have a broad or oyster-shaped cap, have been popular with restaurants and consumers. And the lion’s mane variety is prized by many for its health benefits.
Once harvested, mushrooms generally stay fresh for 10 days to two weeks if they are kept refrigerated.
“They are a perishable product that has a relatively short shelf life, so timely distribution is very important,” Detterman says.
Mushrooms for all
“It works well for indoor farming because it has plenty of open space and very high ceilings,” Detterman says. “That gives us room to expand and increase our production.”
Windy City’s mushrooms are raised year-round in climate-controlled growing rooms. The growing process begins with bags filled with soybean hulls, wood pellets and water. The bags are specially designed to allow oxygen and carbon dioxide to exchange but keep out viruses, bacteria and other contaminants that can harm the growing process.
Once the bag is sterilized, workers inoculate it with a substance called grain spawn, which propagates mushroom cultures. In a couple of weeks, the inoculated bag is colonized with growing mushrooms and can be moved to a growing room.
A ventilation system in the rooms supplies plenty of fresh air and removes the carbon dioxide growing mushrooms produce. After a few weeks, the mushrooms bloom out and grow large enough to be hand-harvested.
“We’ve been able to automate some things, but there are still a lot of manual processes, such as harvesting,” Detterman says. “There’s just no way to do that with a machine.”
Windy City is working to boost mushroom production as it builds its distribution network to grocery chains and specialty food retailers in the Midwest and beyond. It hopes to soon increase production beyond the current 4,500 to 6,000 pounds of mushrooms per week and add to its roster of 17 employees.
Focused fungi
After experimenting with a few varieties, Windy City narrowed its product offering
In its early days, Windy City marketed primarily to Chicago-area restaurants looking for a supply of fresh, locally grown and affordable mushrooms to diversify their menus. In 2022, Windy City began selling directly to the public at several Chicagoland farmers markets, including Winnetka, Naperville and the Green City markets.
At farmers markets, Windy City representatives can interact directly with consumers, offering cooking suggestions and building the demand for their mushrooms.
In the past year, Windy City has expanded its focus to specialty food markets and grocery chains, such as Fresh Thyme. This helps the company sell both fresh mushrooms and Fungitarian products in stores year-round in Chicagoland and beyond. Windy City is also working with retailers to develop its packaging and pricing strategy to fit its customer base’s needs.
“We are very excited about the opportunities in these markets and moving into our next stage,” Detterman says. Selling to grocery retailers has been both a teaching and learning process for the company.
“We’re basically developing the market as we grow as a company by helping retailers understand the value in offering our fresh mushrooms and Fungitarian products,” Detterman says. “We think mushrooms now are almost like avocados used to be. Avocados generally didn’t exist in stores before the 1990s, but now you see them everywhere. We think mushrooms will be like that.”
This story was distributed through a cooperative project between Illinois Farm Bureau and the Illinois Press Association. For more food and farming news, visit ILFBpartners.com.
Prepare to file in 2025: Get Ready for tax season with key updates, essential tips
With the 2025 filing season quickly approaching, the Internal Revenue Service encouraged taxpayers to take key steps now to prepare for filing their 2024 federal income tax returns next year.
The IRS continues to improve taxpayer services to help people prepare for tax season with more digital tools and options available. The IRS encourages taxpayers to sign up now for an IRS Online Account to make tax season easier and help safeguard their tax information.
There are a number of things taxpayers can do to get ready as the end of 2024 nears and the start of the 2025 tax season approaches.
The IRS’s Get Ready page on IRS.gov offers practical tips and resources to help taxpayers prepare. It highlights key updates and important steps for taxpayers to consider to make tax filing easier in 2025.
This reminder is part of a series designed to help taxpayers “Get Ready” for the upcoming filing season. Taking action now can reduce stress and ensure a smoother filing process next year.
Do more with an IRS Online Account Individuals can create or access their IRS Online Account at Online account for individuals. With an IRS Online Account, they can:
• View key details from their most recent tax return, such as adjusted gross income.
• Request an Identity Protection PIN.
• Get account transcripts to include wage and income records.
• Sign tax forms like powers of attorney or tax information authorizations.
• View and edit language preferences and alternative media.
• Receive and view over 200 IRS electronic notices.
• View, make and cancel payments.
• Set up or change payment plans and check their balance.
Get an Identity Protection Personal Identification Number (IP PIN)
An IP PIN is a six-digit number that prevents someone else from filing a federal tax return using an individual’s Social Security number or Individual Taxpayer Identification Number. It’s a vital tool for ensuring the safety of taxpayers’ personal and financial information.
New for the 2025 filing season, the IRS will accept Forms 1040, 1040-NR and 1040-SS even if a dependent has already been claimed on a previously filed return, as long as the primary taxpayer on the second return includes a valid IP PIN. This change will reduce the time for the agency to receive the tax return and accelerate the issuance of tax refunds for those with duplicate dependent returns.
The best way to sign up for an IP PIN is through the IRS Online Account. If an individual is unable to create an Online Account, alternative methods are available, such as in-person authentication at a Taxpayer Assistance Center. More information is available on how to sign up at Get an identity protection PIN (IP PIN).
Deadline for 2024 last quarterly estimated payment is Jan. 15, 2025
Taxpayers with non-wage income—such as unemployment benefits, self-employment income, annuity
Notice is hereby given, pursuant to “An Act in relation to the use of an Assumed Business Name in the conduct or transaction of Business in the State,” as amended, that a certification was registered by the undersigned with the County Clerk of Cook County. Registration Number: M24000047 on DECEMBER 6, 2024 under the assumed business name of HEALTH & WELLNESS MASSAGE ROOM, with the business located at 9295 159TH ST SUITE 126, ORLAND HILLS, IL 60487. The true and real full name(s) and residence address of the owner(s)/partner(s) are SONYA WILLIAMS, 15502 DANTE AVE APT 2F, DOLTON, IL 60419, USA.
payments or earnings from digital assets—may need to make estimated or additional tax payments. The Tax Withholding Estimator on IRS.gov can help wage earners determine if they need to make an additional payment to avoid an unexpected tax bill when filing their return.
1099-K reporting changes
Taxpayers who received more than $5,000 in payments for goods and services through an online marketplace or payment app in 2024 should expect to receive a Form 1099-K in January 2025. A copy of this form will be sent to the IRS as well.
Although the IRS is taking a phased in approach to implementation of the Form 1099-K reporting threshold, there have been no changes to the taxability of income. All income, including proceeds from parttime work, side jobs or the sale of goods and services is taxable. Taxpayers must report all income on their tax return unless it’s excluded by law, whether they receive a Form 1099-K or not. The law doesn’t allow taxpayers to avoid taxes on income earned just because they didn’t get a form reporting the payments received.
It is important for taxpayers to understand why they received a Form 1099-K and how to use it along with their other records to figure and report the correct amount of income on their tax return. It is also important for taxpayers to know what to do if they received a Form 1099-K but shouldn’t have. In either situation, good recordkeeping is key. Having good records will help make tax filing easier. Prepare to include digital assets on taxes in 2025
Just like previous filing years, taxpayers must report all digital asset-related income when they file their 2024 federal income tax return. A digital asset is property that is stored electronically and can be bought, sold, owned, transferred or traded. Examples include convertible virtual currencies and cryptocurrencies, stablecoins and nonfungible tokens (NFTs).
If a taxpayer had digital asset transactions last year, they should be sure to keep records that prove their purchase, receipt, sale, exchange or any other disposition of the digital assets and that includes the fair market value, as measured in U.S. dollars of all digital assets received as income or as a payment in the ordinary course of a trade or business.
When filing 2024 federal income tax returns, taxpayers will be asked to answer “Yes” or “No” to the following question:
“At any time during the tax year, did you:
(a) receive (as a reward, award or payment for property or services); or (b) sell, exchange or otherwise dispose of a digital asset (or a financial interest in a digital asset)?”
Taxpayers should be prepared to answer the question by reviewing the digital assets landing page and FAQ available on IRS.gov. In addition to checking the “Yes” box, taxpayers must report all income related to their digital asset transactions. Information on how to report digital asset transactions, including calculating capital gain or loss, determining basis and reporting the income on the correct form can also be found on the digital assets landing page.
Understand refund timing and how to avoid delays
Several factors can influence the timing of a refund after the IRS receives a tax return. While the IRS issues most refunds in less than 21 days, taxpayers are advised not to depend on receiving a 2024 federal tax refund by a specific date for major purchases or bill payments. Some returns may require additional review and take longer to process if there are possible errors, missing information, or indications of identity theft or fraud.
Additionally, under the PATH Act, the IRS cannot issue refunds for tax returns claiming the Earned Income Tax Credit (EITC) or the Additional Child Tax Credit (ACTC) before mid-February. The IRS must hold the entire refund—not just the portion associated with these credits—until the review is complete.
Gather and organize 2024 tax documents
To make tax time easier, taxpayers should establish an effective record-keeping system, either electronic or paper, to organize all important documents in one place. This includes year-end income forms such as Forms W-2 from employers, Forms 1099 from banks or other payers, Forms 1099-K from third-party payment networks, Forms 1099NEC for nonemployee compensation, Forms 1099-MISC for miscellaneous income, Forms 1099-INT for interest income and records of all digital asset transactions.
Having all necessary documentation ensures taxpayers can file an accurate return and reduces the likelihood of processing delays or refund issues.
Use direct deposit for a faster refund
Filing electronically and selecting direct deposit remains the fastest and safest way for taxpayers to receive their 2024 tax refunds. Direct deposit ensures quicker access to refunds compared to receiving a paper check.
For those without a bank account, resources are available to help. Individuals can learn how to open an account at an FDIC-insured bank or use the national Credit Union Locator tool. Veterans can explore the Veterans Benefits Banking Program for financial services at participating banks.
Tax refunds can also be deposited onto prepaid debit cards or through mobile payment apps, provided they have routing and account numbers. Taxpayers should confirm with the mobile app provider or financial institution which numbers to use when completing their tax return.
Free filing options
Seventy percent of all taxpayers can use free brand name tax software to prepare and file their federal income tax return electronically using IRS Free File. All taxpayers, regardless of income level, can also use IRS Free File Fillable Forms.
Taxpayers living in participating states with relatively simple tax returns can use Direct File and file their tax return online directly with the IRS. The Direct File program is another option for taxpayers to file their taxes. Taxpayers can see if they are eligible for Direct File.
Older adults, members of the military and many other taxpayers—depending on their income—may also qualify for free tax return preparation and electronic filing by IRS-trained volunteers through the Volunteer Income Tax Assistance (VITA) or Tax Counseling for the Elderly (TCE) programs.
Monarch butterflies proposed as threatened species
By TAMMIE SLOUP FarmWeek
U.S. Fish and Wildlife Service (USFWS) is proposing federal protections for the monarch butterfly.
The service Thursday, Dec. 12, proposed to list the monarch butterfly as a threatened species and designate critical habitat under the Endangered Species Act (ESA).
According to a notice in the Federal Register, USFWS determined the monarch butterfly meets the definition of a threatened species due to the ongoing impacts from loss and degradation of habitat, exposure to insecticides and the effects of climate change.
“To improve future conditions so that the monarch migratory populations stabilize and grow, we need to (1) achieve a significant increase in the availability of milkweed and nectar plants in monarch breeding and migratory areas; (2) protect and enhance overwintering habitat; (3) avoid and minimize impacts to monarchs and their habitat from insecticides and herbicides; and (4) maintain public support for the conservation of monarch butterflies,” it is written in the notice.
“Because of the monarch butterfly’s general habitat use and wide distribution, all sectors of society, including the general public, have an opportunity to participate in a broad range of conservation efforts throughout the species’ range.”
The listing proposal is accompanied by a proposed 4(d) rule that offers species-specific protections and flexibilities to encourage conservation and a proposed “critical habitat” designation for the species at its overwintering grounds in 4,395 acres in coastal California. Federal
agencies are prohibited from destroying or modifying areas with that designation.
Two informational meetings and public hearings also have been scheduled. Comments can be submitted to the Federal Register through March 12.
For more information, visit bit.ly/3OQ4ZlT.
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.
The U.S. Fish and Wildlife Service on Thursday, Dec. 12, proposed to list the monarch butterfly as a threatened species and designate critical habitat under the Endangered Species Act (ESA).
Services
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Nordic Track Pro, excellent like new condition $100 708-8914798
Radio Flyer Red Wagon for 2 Comes with Seatbelts and 4 Cup Holders. Hauling Capacity 200 lbs. Gently used $40. Twin Size Bed Sheets $1 each; Twin Size Duvet Covers $5 ea. Call 708-481-6907
Ethan Allen Wingback Chair - $70; Hardwood Kitchen Chairs (Windsor Type) $30; Heavy duty universal bed frame, $15. Stiffel brass table lamps, $25-$35 each. Assorted lamp shades, $5-$10ea; Occasional Squire 26” dark wood 2 tier table. $50; Assorted Luggage, $5-$10 each; Kitchen Cabinet 33.5”h x 16.5”w x 18”d with 1 door (3 shelves inside);$30 OBO; Stainless Steel, Almost new, Whirlpool Over the Stove Microwave, $50. 708-4816907
40 hummels in original boxs and 4 goebel plates best reasonable offer 708 308 4634
Emerson stereophonic phonograph ( record player) used lightly in original box late 1970s model $30. 312-720-0844
discounts available. 1-877-543-9189 Become a published author. We want to read your book! Dorrance Publishing trusted since 1920. Consultation, production, promotion & distribution. Call for free author’s guide 1-877-729-4998 or visit dorranceinfo.com/ads Safe Step. North America's #1 Walk-in tub. Comprehensive lifetime warranty. Top-of-the-line installation and service. Now featuring our free shower package & $1600 off - limited time! Financing available. 1-855-417-1306 Wesley Financial Group, LLC Timeshare Cancellation ExpertsOver $50,000,000 in timeshare debt & fees cancelled in 2019. Get free info package & learn how to get rid of your timeshare! Free consultations. Over 450 positive reviews. 833-308-1971
DIRECTV Stream - Carries the most local MLB Games! Choice Package $89.99/mo for 12 mos Stream on 20 devices at once. HBO Max included for 3 mos (w/Choice Package or higher.) No contract or hidden fees! Some restrictions apply. Call IVS
1-866-859-0405
Replace your roof w/the best looking & longest lasting material steel from Erie Metal Roofs! 3 styles & multiple colors available. Guaranteed to last a lifetime! Limited Time Offer up to 50% off install + Additional 10% off install (military, health & 1st responders.)
1-833-370-1234
Jacuzzi Bath Remodel can install a new, custom bath or shower in as little as one day. For a limited time, waving all installation costs! (Additional terms apply. Subject to change and vary by dealer. Offer ends 6/30/24.)
1-844-501-3208
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1-833-399-3595
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Late 1960s Gilbert American Flyer All Aboard Pioneer 600 train set 6 scenic panel 5 unit train original box is rough nearly all pieces inside $100. 312-720-0844
100 yr old Singer Pedal Sewing MachineAntique Croquet Set with all piecesAntique Royal Typewriter with stand$100 each or best offer Lansing Illinois - 630-697-0188
Pyrex Bowls and Bakeware
$3-$5 a Piece; Champagne and Wine Glasses (Crystal) $2 ea; Crystal Wine, Liquor Decanters $15-$25; “Johnson’s Bros.” White English Ironstone Set of Dishes (64 pc.) $40 or OBO. Vintage Madame Alexander doll, “Degas” girl #1575 in original box, wrist tag and stand, $45. 708-481-6907
FOR SALE: Schwinn Men’s 26” Jaguar bike, as is. $100.00. 219-8366104.
Fisher-Price Power Wheels Barbie Jeep. In original box. Excellent condition. Needs battery and charger. $50 Call or text 708-6739361
Manual push lawn mower. Excellent condition. $35 Call or text 708-673-9361
Ladies winter coat, wool, boucle, camel shade, large mink collar, medium ... excellent condition..$75.00..official Chicago Bears glasses...8/$20.00 708645-4245
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
Leaf Blower-700 Rake O-Vac-like new $25, Miscelaneous movice cameras, projectors and tripod--Best Offer! Office Chair New--In BoxModway EEI-757 $95. Matching Buffet Lamps --New $20. Tomato Grinder Antique -$ 15. Sausage Grinder Antique-$15. Beleek China Plate--New in Box $20 708-448-5672
New Electric Coffee Maker w/2 Stainless Steel Travel Cups. Still in box $20.00Call 708-474-9568
Estate Sale, Shark Navigator Vacuum, anti-allergen, pet plus, more suction/lighter, New, Boxed, $159.00,,cash, originally $259.00 708-645-4245
Queen mattress/box spring ..guest room.. like new ..$125.00 , West Bend electric stainless wok, w/ accessories, used once. $25.00 708-645-4245
Set of Rugs $20 - and a cargo liner $30 for Subaru. (708) 895-2647
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
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
Toro snowblower model CCR2450. 5 H .P.Electric start. $75.00(402)6701694
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
