Connecting the Community Since 1957
Applications for Property Tax Savings Now Available
Cook County — Cook County Assessor Fritz Kaegi announced at a press conference today that property tax–saving exemptions applications for the 2024 tax year are now available online. Exemptions are savings that contribute to lowering a homeowner’s property tax bill. The most common is the Homeowner Exemption, which saves a property owner an average of $950 dollars each year.
Here are some key things that homeowners should know when applying for exemptions.
The Homeowner, Senior, and Persons with Disabilities Exemptions are automatically renewed. Postcards will be mailed to households confirming that no action is needed.
Homeowners must reapply for the Veterans with Disabilities and the “Senior Freeze” Exemptions. Seniors and veterans that need to reapply will be mailed application booklets in the coming weeks.
“Every homeowner should take full advantage of the exemptions they are entitled to. When I am in the community talking to residents about their property taxes, the first thing I tell them is to check for missing exemptions,” Assessor Kaegi said.
“If you own and live in your home you are most likely eligible for the Homeowner Exemption, regardless of citizenship status. If you live in your home and don’t claim this and other exemptions, you’re missing out on hundreds of dollars in property tax savings.”
“On behalf of our roughly 500,000 members in Cook County, AARP Illinois stands with Cook County Assessor Fritz Kaegi to remind older adults aged 65 and older to apply for the Senior Exemption, and for those incomeeligible, the Low-Income Senior Freeze Exemption,” said Philippe Largent, State Director of AARP Illinois.
“AARP members have told us repeatedly that rising costs have made it more difficult to age in place. For this reason, we are partnering with the Cook County Assessor to provide information and resources about these cost-cutting initiatives and programs, including through virtual and in-person educational workshops in the coming months.”
“The Cook County Assessor’s Office’s Homestead Exemption for Veterans with Disabilities is a vital resource that provides much-needed financial relief to our Veterans and their families. The Veterans Assistance Commission of Cook County (VACCC) is proud to partner with the Assessor’s Office to promote these essential benefits and ensure that every eligible Veteran is aware of and can access the exemptions they have
earned. Together, we are working to honor and support those who have served by easing their financial burdens and improving their quality of life” said Elizabeth Soto, Superintendent for the VACCC.
“We know that understanding the property tax system can make a real difference for homeowners. That’s why we provide free services to help residents learn about exemptions and other options. Through webinars and workshops like this one working directly with the Assessor’s Office, we equip community members with the information they need to keep their homes affordable,” said Danielle Matthews, Director of Homeownership Services, Neighborhood Housing Services of Chicago (NHS)
“At The Resurrection Project, we are committed to helping families keep their homes affordable and stable. Property tax exemptions are a critical tool for reducing financial strain, and we want every homeowner to receive the savings they deserve—including recovering missed exemptions, said Salvador Garcia, Housing Stability Supervisor at The Resurrection Project. “We encourage all eligible homeowners to take advantage of this opportunity. Please reach out to us for guidance, education, and translation support.”
New homeowners, first-time applicants, or those that need to reapply can now do so online at www. cookcountyassessor.com/exemptions. Homeowners are strongly encouraged to apply online so there is a digital record of their application. This allows Assessor staff to easily locate the application, provide a status update, and notify the homeowner if missing documents are needed.
This year, homeowners reapplying online will have access to a streamlined application form, reducing the time it takes to apply.
If homeowners are unsure of their existing exemptions, they can review the “Exemptions History & Status” section of the “Property Details” page for their home.
Exemptions forms are available in Spanish, Polish, and simplified Chinese languages.
Applications can be downloaded at www. cookcountyassessor.com/exemptions.
As a reminder, exemptions are only reflected on the second installment tax bill.
Homeowners can join virtual exemptions workshops on Facebook and YouTube at 6 p.m. on Tuesday, March 18, in English and on Wednesday, March 19, in Spanish. For a list of upcoming in-person and virtual outreach events, visit www.cookcountyassessor.com/event-list.
USDA outlines new $1 billion HPAI strategy
By DANIEL GRANT - FarmWeek
USDA recently unveiled a new strategy to slow the spread of highly pathogenic avian influenza (HPAI), ease the rising cost of eggs and protect the U.S. poultry industry.
Ag Secretary Brooke Rollins detailed a new five-pronged strategy to combat HPAI in which USDA plans to invest up to $1 billion as part of the comprehensive effort. This is in addition to funding already being provided to indemnify growers for depopulated poultry flocks.
Plans for the new investments to combat HPAI include $500 million for biosecurity measures, $400 million in financial relief for affected farmers and $100 million for vaccine research, action to reduce regulatory burdens and exploring temporary import options.
“President (Donald) Trump understands the importance of addressing this issue head on, and USDA is taking action to support farmers, strengthen supply chains and bring egg prices down,” Rollins said.
The five-pronged approach to address issues with HPAI, or bird flu, includes the following:
• Invest in gold-standard biosecurity measures for all U.S. poultry producers. As part of the effort, USDA will expand its highly successful Wildlife Biosecurity Assessments to producers across the nation, beginning with egg-layer facilities, to safeguard farms from the cause of 83% of HPAI cases — transmission from wild birds.
• Increase relief and aid to farmers and accelerate
repopulation.
• Remove unnecessary regulatory burdens on the chicken and egg industry to further innovation and reduce consumer prices.
• Explore pathways toward vaccines, therapeutics and other strategies to protect egg-laying chickens to reduce instances of depopulation. USDA approved a conditional license for bird flu in poultry this month, another step toward a vaccine.
• Consider temporary import-export options to reduce costs on consumers and evaluate international best practices. USDA will explore options to temporarily increase egg imports and decrease exports, if applicable, to supplement the domestic supply.
The HPAI outbreak in the U.S. is nearing its fourth year, during which time more than 150 million egg-laying hens and chickens raised for meat were culled. It also spread to dairy cattle in the past year.
The average price of a dozen eggs nationwide subsequently skyrocketed from $1.47 in January 2021 to $4.95 last month.
“American farmers need relief, and American consumers need affordable food,” Rollins recently wrote in a Wall Street Journal op-ed. “To every family struggling to buy eggs: We hear you, we’re fighting for you and help is on the way.”
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
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Speaking Of Seniors Incompetent Medicare
Phoning Medicare to talk to someone about a Medicare billing problem has often been a hassle. But since the election of 2024, it has become more of a hassle. Why? I’m not sure, but I can guess.
Here is my guess. Some people are leaving and some people are coming to work in the Medicare system. I believe that Medicare uses some combination of federal employees and contractors and their employees. Some of them don’t like the idea of working under Donald J. Trump.
Since the election, phoning Medicare and getting a recording that one must wait twenty or more minutes to talk to a representative is a fairly common thing. That should be unacceptable. The federal Medicare system should be run to help those who phone for help in a timely, efficient manner.
People who work or manage others in a way that slows the system to waste
the time of people who phone for help should be retrained or fired. I cannot waste twenty minutes on hold each time that I phone Medicare to get help for one of our clients.
I have phoned Medicare several times over the last week to get it to send a document to one of our clients. Each time I phone, a recording tells me that I must wait about twenty minutes before I can speak with anyone at Medicare to get help. Medicare is run very badly. I hope that President Donald Trump tells some people who now work in the Medicare system, “You’re fired!”
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. Also, Wilcox wrote the book SOLVING MEDICARE PROBLEM$ which can be ordered at book stores or online.
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
March 13, 2025, from 1 p.m. – 4 p.m. I-PASS on DEMAND, join Illinois Tollway here at the Dolton Library and get your I-PASS Sticker. *NO registration is required for this event.
Saturday, March 22, 2025, Community Shred Day, from 12 noon – 2 p.m. In the library “back parking lot.” Please bring no more than 2 bags/boxes per person.
*NO registration is required.
April 17, 2025, from 11 a.m. to 12 p.m. Health & Wellness: Presented by Yvette Roberts, ISSA, International Sports, Science Association. Call 708-849-2385 x3, to register.
ONGOING PROGRAMS
THUR JAN 16-MARCH 27TH: SILVER FOXES, GREY WOLVES: SENIOR FITNESS PROGRAMMING: Classes are limited to 25 spots. Call to register at 708-849-2385 ext 3
EVERY MONDAY: STAY FIT with SHEENA STINSON: In-house workout program from 9:30-10:30 am. Register by calling 708-849-2385.
EVERY THIRD SATURDAY OF THE MONTH: BETWEEN THE PAGES: A VIRTUAL STORY TIME!Register by calling 708-849-2385 the link will be emailed to you.
EVERY SECOND TUESDAY OF THE MONTH: TODDLER TIME with Ms. Brooks: 10:45-11:45 AM. No registration is necessary. Daycares are welcome!
EVERY THIRD WEDNESDAY OF THE MONTH, SIMON SAYS..GET UP AND MOVE with Ms. Lottie Maria: 11:30-12 PM. Jump, Clap, and Dance. Toddlers and Daycares are welcome! Call to register at 708-849-2385 ext 4.
HOMEWORK HELP: Call 708-849-2385 ext. 4 to make an appointment with Ms. Brooks on Fridays or Saturdays. Ages 5-12.
EVERY MONDAY: LINE DANCING WITH DAWN THE DANCING DEVA: From 1-2 pm. Call 708-849-2385 ext 3 to register.
EVERY WEDNESDAY: LINE DANCING WITH DAWN THE DANCING DEVA: BECAUSE IT WAS SO GOOD THEY ASKED FOR TWO! From 3-4 pm. Call to register at 708-849-2385 ext 4
Hammond Public Librar y
Address: 564 State St., Hammond
Phone: (219) 931-5100, ext. 310 or 307
Email: swishl@hammond.lib.in.us
Website: www.hammond.lib.in.us
Har vey Public Libr ar y
Address: 15441 Turlington, Harvey, IL 60426
Phone: 708-331-0757x3200
Email: has@harvey.lib.il.us
Website:www.harvey.lib.il.us
FREE online Line Dancing with Dawn the Diva, Tuesdays at 6:30pm
Join Us For Vir tual Programs : Each day at 4:00 pm, “stop” in for online family-fun at the Harvey Library Tuesday: Craft Wednesday: Story Time Thursday: Bacon Bits & Cooking Tips Monthly Virtual Music Class (Friday, check calendar each month)
Homewood Public Librar y
Address: 17917 Dixie Hwy, Homewood, IL 60430
Phone: (708) 798-0121
Email: hplhelp@homewoodlibrary.org
Website: www.homewoodlibrary.org/
INDOOR LAWN GAMES March 13 | 6:30 PM | Ages 18+
AUTHOR VISIT: MINDY MCGINNIS March 19 | 7 PM | All Ages Edgar award winning writer Mindy McGinnis is coming to HPL!
IMPROVISED JANE AUSTEN March 23 | 2 PM | Ages 18+
An evening of comedy, love, and improvisation.
BARBIE'S CAREER FAIR
March 31 | 2 PM | Ages 5-12
Lansing Public Libr ar y
Address: 2750 Indiana Ave., Lansing IL
Phone: 708-474-2447
Email: shari@lansingpl.org
Website: www.lansingpl.org
Riverdale Public Librar y
Address: 208 W 144th St Riverdale, IL 60827
Phone: (708) 841-3311
Email: library@rpld.org
Website: www.rpld.org
Riverdale Public Library District Food Pantry
Our food pantry is open to everyone and is located in the entryway of library. Donations are also welcome and can be dropped off at the Circulation Desk. Please ensure that food items are non-perishable, non-glass containers and not expired.
Weekly Walking Group
9 – 10 am Ages: Adults/Seniors This walking program is for everyone interested in achieving a healthier lifestyle. What better way to start your path to better physical and emotional health, than on your feet making strides to help your heart and improve your general health.
South Holland Public Librar y
Address: 16250 Wausau Ave., South Holland IL
Phone: 708-527-3160 or 708-580-6161
Email: library@southhollandlibrary.org
Website: shlibrary.org/events-calendar
Thor nton Public Librar y
Address: 115 E. Margaret St. Thornton, IL.
Email: library@thorntonil us
Website: https://www thorntonlibrary org/
1151
708-331-8389
LOCAL CHURCHES
PASTOR
COVENANT UNITED CHURCH OF
1130 East 154th St., South Holland
708-333-5955
www.covucc.org
PASTOR REV. DR. PATRICK L. DAYMOND
FIRST CHURCH (PCA) 3134 Ridge Rd, Lansing
708-474-9610
www.firstchurchpca.org
FIRST ORTHODOX PRESBYTERIAN CHURCH OF SOUTH HOLLAND 16248 South Park Ave., South Holland
708-333-8211
www.firstchurchsh.org
PASTOR REV. DANIEL SVENDSEN
& 5:30 p.m.
GRACE LUTHERAN CHURCH, LCMS 8303 Sheffield Avenue Dyer, IN 46311 (219) 865-1137 gracedyer.org
PASTOR REV. DALE HETHERINGTON
RECONCILIATION CHURCH
833 East 168th St., South Holland
708-331-7755
www.reconciliationchurch.org
PASTOR GLEN MCCARTHY
WORSHIP SERVICES
Worship 10:00 a.m.
REDEEMER LUTHERAN CHURCH
651 East 166th St., South Holland
708-331-4100 redeemer-lutheran@sbcglobal.net
WORSHIP SERVICES
9:30 a.m.
School 10:45 a.m.
6 Tues. 10:00 a.m.
ST. PAUL’S EVANGELICAL LUTHERAN
CHURCH & SCHOOL
8601 Harrison Avenue, Munster, In. 46321 219-838-6720 stplmunster.com
Pastors: Peter Speckhard, Adrian Krebs
WORSHIP SERVICES:
Monday: ..........................................6:30 p.m. Sunday:
Bible Study: Sundays at ........9:15am (Sunday
2nd & 4th Tuesdays of the month (Ladies’
Wednesdays at 10am Thursdays at 10am (Nursery available for Sunday morning services)
ESPIRITU DE DIOS
16400 S. State St., South Holland
708-439-1220 sogfchurch.com
PASTORES Jose & Paula Lopez
SERVICIOS: Grupo de Oracion de Hombres
Jueves ........................................... 7:30 p.m. Sabado Alabanza y Predicacion.....6:00 p.m.
UNITY OF NORTHWEST INDIANA
Plum Creek Center
2138 Moeller Street Dyer, IN 46311 (219) 931-5284 www.unitynwi.org ALL WELCOME
MINISTER: REV. GERALDINE COLVIN SUNDAY SERVICE.......................10:00 AM
Real Estate Questions & Answers
Question: We recently made on offer on a home, the owner counter-offered, we turned down the counter-offer. A few days later we e-mailed the broker that we would like to make the same offer again. A couple of days later the broker called and said the owner was considering our offer. A few more days passed, we heard nothing from the broker, but we decided to go with the owner’s counter-offer if the seller turned us down again. The call never came from the broker. Instead an e-mail was sent saying the owner didn’t accept our original offer and that the home was now under contract. Now we think we should have been given the first chance to accept the owner’s terms instead of it being sold to someone else. The home had been on the market for more than a year so it wasn’t like there was a great demand for it. What do you think?
Answer: You were given any number of chances to buy the property. First you made an offer that was not accepted.
Then the owners made a counter-offer that you could have instantly accepted -but did not. Then you re-submitted your original offer and it was not accepted by the sellers. Lastly, you want another chance at the counter-offer you first rejected but by this time the owners had accepted a bid from other purchasers.
The bottom line: You had your chance. There are many players in the marketplace. The fact that the home did no quickly sell does not mean the owners are required to sell on your terms. Lastly, an offer or counter-offer once rejected is dead and need not be re-considered. E-mail us your Real Estate questions at Cathyah@aol.com.Thinking of selling your home? Call Cathy & Jim Higgins, Licensed Broker/Realtors in Indiana & Illinois. IN: 219-865-4361 IL: 708-8283304. McColly Real Estate. Website: www.Cathyhiggins.com. Personal Real Estate Journal: www.Higginshousechat. blogspot.com
Heart Smart
JOSH BOOTSMA
In Matthew chapter 9, Jesus calls Matthew, a tax collector, to come and follow him — what a scandal!
Tax collectors in Jesus’ day were the sleaziest of the sleazy. They were agents of the Romans, demanding taxes from their own Jewish kin — and they were known (and hated) for their practice of taking a large chunk of their neighbor’s taxes for themselves.
Shockingly, Jesus tells this hated man, “Follow me.” And, even more shockingly, the Bible tells us, “Matthew got up and followed him.” (Matthew 9:9)
But that’s not all. Jesus goes to Matthew’s house and eats a meal with “many tax collectors and sinners” (Matthew 9:10). Jesus celebrates with Matthew and his sinner friends!
Who is the sleaziest group you can imagine? People who voted for that candidate in November? People who have committed that offense against you or people you love? The worst group of people you can think of — that’s who Jesus is eating with. Not just eating,
celebrating!
Just by the crowd he chooses to eat with, Jesus is saying a whole lot about what the kingdom of God looks like.
See, the Pharisees saw this, Jesus eating with the “wrong group,” and asked his disciples, “Why does your teacher eat with tax collectors and sinners?”
The Pharisees see Jesus’ company as too inclusive and too celebratory. But Jesus said to them, “It is not the healthy who need a doctor, but the sick. But go and learn what this means: ‘I desire mercy, not sacrifice.’ For I have not come to call the righteous, but sinners.” (Matthew 9:12-13)
Jesus says with his actions and his words that the Kingdom of God is not only for the “right people.” It’s for everyone. Does your social circle, your dinner company, say the same? Can you be accused alongside Jesus of being too inclusive and too celebratory?
Josh Bootsma Member, Covenant Fellowship Church cfcsh.org
by Janice R Newman
There’s an idiom that says, “Don’t judge a book by its cover.” Outward appearances can be deceiving and misleading. Society is often quick to judge based on what we see, without taking the time to learn the full story. We all have been guilty of making assumptions about a person or situation based on our biases or limited knowledge. The truth is, we don’t always know what someone is going through or what the real circumstances are. Many times, our judgments are completely wrong, and we often rush to conclusions.
When you act justly, you behave based on what is the morally right and fair thing to do. However, instead of treating people fairly, many act with judgment and criticism, belittling others or avoiding them based on preconceived notions. This kind of behavior does not lead to success or promote motivation. Negative judgments create conflict, division, and biases. When we treat others justly and with understanding, we establish a healthy environment for people to succeed as pre-judging is eliminated.
When we judge without accurate information, we unfairly treat people. We have all been guilty of judging others either based on appearance, clothing, background, or the zip code they live in. An example is the reality television show “Undercover Boss”. The employees are often judgmental or critical of the “boss” as an employee. They are sometimes disrespectful or make wrong assumptions based on their limited visual or the background they are provided of the “boss”. The employees were rewarded if they acted justly with promotions, raises, and bonuses versus if they acted judgmental and uncaring, they would get demoted or even fired.
The Bible teaches us the importance of being just and not judgmental. In Matthew 7:1-2, Jesus says, “Do not judge, or you too will be judged. For in the same way you judge others, you will be judged, and with the measure you use, it will be measured to you.” The way we treat others will come back to us. If we are harsh, critical, and judgmental, we can expect the same in return. If we treat others with fairness, respect, and kindness, we will receive the same along with understanding.
Acting justly and fairly has an impact on your success and motivational level. Success in business, school, and relationships depends on how we treat others. It helps you to gain a reputation for integrity, fairness, and trust. People want to conduct business with companies that are fair and just. For example, teachers who treat all students with respect can motivate them to do better. Being judgmental and critical can have negative consequences. If you’re constantly judging people or being unfair, you could lose out on positive connections, business deals, or relationships. Choosing to be just rather than judgmental is a willful choice and decision we can make. We should treat others with kindness to create a positive, successful environment. We are told to treat others as we would treat ourselves. Stop making quick assumptions and judgments of people and take time to learn about them and their situation with fairness and compassion. Thrive to see others without forming opinions based on their appearance. Instead of looking down on others or their situation, we should try to understand and support them, it creates a better world. Y? Why Not!
Another example is we’ve heard stories of clerks in expensive stores judging and treating customers wrongly based on their outward appearance. They don’t assist them because they assume they can’t afford to purchase anything. By not acting just in every area of your life, you can potentially lose a customer, job, or relationship.
CATHY & JIM HIGGINS
John A. Hoese, age 79, of St. John, IN, formerly of South Holland, IL, passed away peacefully Sunday, March 2, 2025. Loving husband of Karen V. Hoese, nee White. Devoted father of Jeffrey Hoese and Kristin (Patrick) Killeen. Proud papa of Tristan (Bianca) Hoese, Joshua, Jacob, Jackson, and Jordan Killeen. Dear brother of Sandra (late Bob) Frigo, Thomas (Jill) Hoese, and the late Dick (late Kathy) Hoese, Robert (Judy) Hoese, and late James Hoese; brother-in-law of Ronald (Cathy) White and Cheryl (Ernie) Graff. Kind uncle of numerous nieces and nephews. Preceded in death by his parents Frank and Catherine Hoese. John was loved by his family, and many dear friends, and will be truly missed.
Visitation Thursday, March 6, 2025 from 3:00 – 8:00 p.m. Prayer service Friday, March 7, 2025 at 11:30 a.m. at Smits Funeral Home James E. Janusz, Director, 2121 Pleasant Springs Lane (Rt.30/ Pleasant Springs Ln.), Dyer, IN, with Deacon Jim Renwick officiating. Interment Chapel Lawn Memorial Gardens –Crown Point, IN.
For further information, please contact 219-322-7300 or visit our online obituary and guest book at www.SMITSFH.com
Robert J. Johnston “Pops”, age 90, of Chicago Heights, IL, passed away Wednesday, March 5, 2025. Loving father of Butch Johnston, Kathy Miller, Kimberly Tamburo, Robert Johnston, and Keli Uhter. Cherished grandfather of Noah, Kailey, Artie, Jill, James, Hailey, and Bob Jr., and Ross, and great-grandfather of Shyanna, Aiden, Abbey, Wesley, and the late Sean. Long-time partner of the late Delores Losinger. Robert was a pipefitter with Local 597 since 1953. He was an avid golfer and loved his steaks and seafood. He enjoyed his time spent in Florida. Robert was loved by many and will be missed. A visitation will be held on Saturday, March 8, 2025 from 4:00 – 6:00 p.m. with a funeral service to be held at 6:15 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
With Heavy hearts, we announce the passing of Patricia M. Van Deursen, nee Mattosz, our beloved wife, mother, and grandmother who left us on March 6, 2025. After facing some health struggles, with the same strength and stubbornness that she was known for, she passed surrounded by her family.
She will be deeply missed not only for her quick sarcasm that kept all of us on our toes but also for the warmth she brought into our lives. Her kitchen was her happy place where she filled our hearts and bellies with comfort. Whether offering a joke or a warm meal she had a way of making moments entertaining. We will all miss her competitive spirit during card games. We will forever look at three aces and smile.
Patricia was the owner/ operator of Sandwiches, Etc in the industrial park of Steger offering amazing lunch and conversation to her loyal customers for many years.
She leaves behind her loving husband Dale, son Dale Jr. (Diane), daughter Dawn (John) Dworak, and grandchildren Sarah, Chase, and Jay along with cherished memories, well worn decks of cards and echoes of laughter that will stay with us always.
She was preceded in death by her parents Victor and Mary Mattosz and her sister the late Sandy (late Mike) Manes.
A celebration of her life will be held at a later date where we will honor her legacy the way she would have wanted by sharing stories, love, and perhaps a bit of sarcasm in her honor.
Jacqueline Azzarello, nee Rossi, age 77, of Knox, IN and Ft. Myers, FL passed away peacefully on February 24, 2025. Beloved wife of Sam Azzarello, Loving mother of Nikki (Kyle) Doty. Cherished grandmother of Emmi and Ryah. Dear sister of Michael Rossi and James (Sue) Rossi and sister-inlaw of Tony (Gail) Azzarello. Kind aunt of several nieces and nephews. Jackie loved spending time in Florida but her true passion was her granddaughters. She was loved by her family and will be dearly missed.
A memorial visitation with family and friends will take place on Saturday, March 22, 2025 from 9:00 a.m until the time of the prayer service at 12:00 p.m. at Smits Funeral Home, 2121 Pleasant Springs Lane (Rt.30/Pleasant Springs Ln.) Dyer, IN. In lieu of flowers, memorial contributions may be given to St. Jude Children’s Research Hospital (www. stjude.org). For further information, please contact 219-322-7300 or visit our online obituary and guest book at www.SMITSFH.com
Darla A. Qualizza, nee Davis, age 62, of St. John, IN, passed away peacefully in her husband’s arm’s Wednesday, March 5, 2025. Loving wife of Michael W. Qualizza. Devoted mother of Eric (Debra) Qualizza, Katie (Dustin) Brown, and Kristie Qualizza. Proud grandmother of Leander and Viola Qualizza, Dade, Kiera, Luka, and the late Kohen Brown. Cherished daughter of Williard Don and Frances Jean Davis; daughter in-law of the late Tony and Peggy Qualizza. Dearest sister of Donna (Raymond) Longawa, Debra (Mark) Pucalik, Diana (Clayton) Campbell, Denise (Richard) Rosinko, Steven (Sandra) Qualizza, Tony (Cynthia) Qualizza, Mark (Patricia) Qualizza, and the late Barry Don Davis; sisterin-law of the late Susan Sliwa, and Laura Sajdera. Kind aunt of numerous nieces and nephews. Darla was a beacon of love, she is leaving behind a legacy of warmth, kindness, and unwavering devotion to her family and her faith. She was loved by her family, and many dear friends, and will be truly missed. The family would like to extend a heartfelt thank you to Traditions Health Hospice for providing great comfort and compassionate care to Darla and her family in their time of need.
Visitation with family and friends Friday, March 7, 2025 from 3:00 – 8:00 p.m. at Smits Funeral Home 2121 Pleasant Springs Lane (Rt.30/Pleasant Springs Ln.), Dyer, IN. Darla’s wishes were that her Mass and interment be held privately with her family. For further information, please contact 219-322-7300 or visit our online obituary and guest book at www. SMITSFH.com
Experienced football leader to take helm of Bishop Noll program
HAMMOND | Rick Good, a proven leader with a history of building prep football program success, has been hired as Bishop Noll Institute’s head football coach and assistant athletic director, Principal Lorenza Jara Pastrick announced today.
A graduate of Chicago’s Mount Carmel High School, Good has 18 years of football coaching experience, including seven years as a head coach at Calumet and Lake Central high schools, where he increased victory totals year-over-year at each school.
“I am passionate about Catholic education and what sets it apart from other institutions,” said Good, a product of Catholic grade school and high school who has earned degrees from Calumet College of St. Joseph (B.A. in education) and Purdue University Northwest (B.S. in finance). “Bishop Noll appeared to be the perfect opportunity to return to doing what I love.”
Pastrick said Good stood out in a pool of 24 applicants.
“Rick just seems like the right guy at the right time for BNI,” Pastrick said. “This year our school theme is ‘We are in it to win it,’ and this hire is no different! I’m confident Rick will bring his knowledge, expertise and work ethic to bring our football program back as a competitor in the Region.”
Bishop Noll President Paul Mullaney said Good was considered the best candidate to continue the school’s momentum, which includes a 24-year enrollment high, the opening in 2020 of the school’s stateof-the-art STREAM Lab for its STEM curriculum, and the opening this past fall of Noll’s newly renovated stadium for football, soccer and track.
“I am immensely grateful to Mr. Mullaney, Mrs. Pastrick, Mrs. (Athletic Director Cindy) Wilson, and the Bishop Noll community for the opportunity to build on more than 100 years of success in multiple aspects of Catholic education,” Good said. “This, along with the recent renovations of the campus and athletic facilities, make it an attractive place to continue my career in education.”
Good was part of five state championships at Mount Carmel, three as a player (1998, 1999 and 2000) and two as an assistant coach (2012 and 2013).
He spent 11 years as an assistant coach under two region football legends – from 2007 to 2010 at Calumet High School under Ivan Zimmer, a 1964 Bishop Noll alum who played at Nebraska; and from 2011 to 2017 at Mount Carmel under
Frank Lenti, who retired as the winningest coach in Illinois prep football history.
Hired as head coach at Calumet in 2017, Good grew the program from 3-7 in his first season to 9-2 in his third season. In year No.4, the COVID-shortened 2020 season, his Calumet team finished 5-2 and captured the school’s first and only football sectional championship. For his team’s accomplishments, Good was named coach of the year by The Times and PostTribune newspapers.
The next year, he was hired by Lake Central, where his teams respectively grew their records to three, four and five victories from 2021 through 2023. In his last season, LC posted its first playoff game victory since 2014.
Good inherits a BNI program that improved to 3-7 in 2024 but hasn’t won a sectional game since 2012 or a sectional title since the Warriors’ state championship season of 1989.
“I look forward to working with a diverse group of stakeholders not only on the Bishop Noll campus, but also in the city of Hammond, the Region and beyond,” Good said.
“I truly cannot wait to get started in continuing the strong tradition that precedes me by meeting with past, present, and future members of the Warrior football family to draw the roadmap for the exciting journey ahead.”
Rick Good, a proven leader with a history of building prep football program success, has been hired as Bishop Noll Institute’s head football coach. (Photo provided
Services
AC/HEATING SERVICES: Summer Special! Furnaces or A/C’s , Clean & check $59.95. Furnaces, A/C’s, Boilers, water heaters, sump pumps, humidifiers, installations, repairs, furnaces installed from $1495.00 R/D Heating & Cooling. IL. and IN. 219-616-3281
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Vehicles 2017 Toyota Tundra. Blue 1-Owner 110,000 miles, 4-Wheeldrive 6 speed Auto with Cover for bed.
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BEAUTIFUL SOUTH
HOLLAND ROOM FOR RENT IN A SINGLE FAMILY HOME. King size bed, semi private bathroom with Jacuzzi tub. No cooking, full size refrigerator and microwave in room. Free lights, free gas. Only $225 a week, $500 move in fee. Background check required. Call 708-8433932 for more information. For Sale
Ladies Adolpho suit, white size 12, must see, $50.00. Baby changing table, walnut wood frame , excellent, $29.00. 708645-4245
Flexsteel Sofa & Loveseat. Both 100% Leather & both power reclining. Both in very good. Both for $1250 OBO! Call 773343-0424
1 GE electric stainless steel double oven, 1 Amana electric glass cooktop, both are in excellent condition. $600 for both or available separately. Best offer considered. 5 foot long, 30 inches high all glass jewelry case with light, $100 or best offer. NordiTrack treadmill in great shape, $150 or best offer. For more information, call 708-536-3228.
Shark Vac $30, Cuisinart Bread Machine $30, Slowcooker $25, Water Fountain $40, G. Foremean Grill $20, Butterball Turkey Frier $40, Mandolin Slicer New $20, Conduit 70 x 1/2 $20, Conduit Bender $80. 708-877-6088
InstaPot new in box $40.00 music CD’s $5.00 ea. What are you looking for? Pls adv 708-877-6515
Good used fuel tank for 69-70 Cadillac $65.00 219-923-7716
Kero-sun Omni 105 kerosene portable heater. 23,000 BTU. It has been used very little and is in good condition with no rust or damage. Asking $89. Homewood area. Call 773-225-6908, OK to leave message.
Neighbor 2 Neighbor
The Girl about cookies are for sale! Troop 15626 from St Thomas More Church in Munster are just outside the Wal Mart by Cabellas in Munster.
Pictured here are the Minton family of Tina, Alex, Julie Anna, and Jennifer along with 3year old Sydney Leigh and Gaga Janice Minton Kutz on Friday March 7, 2025 at the USA restaurant in Grant Park, Illinois. A great time was had by all!
Blast from our Past— a historical photo of the dedication of the historical marker in Calumet City, Illinois. Pictured are former Mayor Michelle Markiewicz Qualkinbush, Sue Warner, Elaine Egdorf and Cynthia OGorek. From the Calumet City archives.
Margaret Hospital coming down. Over the course of many months this once glorious hospital is being demolished. It is over 140 years old. What a
The rotunda of the French Lick resort in early March. The resort has been redone to great expanse and is now a showplace. Pictured here by Dean and Betty Triller in mid February 2025.
The late Spencer Leigh Minton holding his baby granddaughter in a simulated photograph.
Words of wisdom from the Munster Church on Ridge Road.
JANICE MINTON-KUTZ
and (g)(4). If this property is a condominium unit which is part of a common interest community, the purchaser of the unit at the foreclosure sale other than a mortgagee shall pay the assessments required by The Condominium Property Act, 765 ILCS 605/18.5(g-1).
IF YOU ARE THE MORTGAGOR (HOMEOWNER), YOU HAVE THE RIGHT TO REMAIN IN POSSESSION FOR 30 DAYS AFTER ENTRY OF AN ORDER OF POSSESSION, IN ACCORDANCE WITH SECTION 15-1701(C) OF THE ILLINOIS MORTGAGE FORECLOSURE LAW.
You will need a photo identification issued by a government agency (driver’s license, passport, etc.) in order to gain entry into our building and the foreclosure sale room in Cook County and the same identification for sales held at other county venues where The Judicial Sales Corporation conducts foreclosure sales.
For information, contact JOHNSON, BLUMBERG & ASSOCIATES, LLC Plaintiff’s Attorneys, 30 N. LASALLE STREET, SUITE 3650, Chicago, IL, 60602 (312) 541-9710. Please refer to file number 21 8995.
THE JUDICIAL SALES CORPORATION
One South Wacker Drive, 24th Floor, Chicago, IL 60606-4650 (312) 236-SALE
You can also visit The Judicial Sales Corporation at www.tjsc.com for a 7 day status report of pending sales.
JOHNSON, BLUMBERG & ASSOCIATES, LLC
LEGAL NOTICE
In the Matter of the Marriage of Rosella French and Mark A. French Case # 45C01-2409-DN-000568 filed in the Clerk of the Lake Circuit/Superior Court at 2293 North Main St. Crown Point, IN 46307
To Mark A. French, You are hereby notified that a divorce action has been filed against you. If you do not respond on the next court hearing (May 27th, 2025 at 10:00 am), the court may proceed in your absence and grant a divorce
PUBLICATION NOTICE OF COURT DATE FOR REQUEST FOR NAME CHANGE (MINOR)
There will be a court date in Cook County on my request, ELIZABETH LARA, to change the name of my minor child, from ANNALISA ELIZABETH ROSE TELLEZ to ANNALISA ELIZABETH ROSE LARA
The court date will be APRIL 23, 2025 at 9:00am at 16501 S. Kedzie Parkway, Markham, IL 60426, in Courtroom 207, in Cook County. Case number 24M6008040.
Lansing Self Storage located at 17506 Chicago Ave, Lansing, IL 60438, (708) 251-8350 intends to hold an auction of the goods stored in the following unit in default for nonpayment of rent. , Diavian Curry, Unit #182; Tiffany Saunders-Cole, Unit #201; Janeah Scott, Unit #209. Auction will be conducted online on www.storageauctions.com
This notice is to notify all entities government and non government that the fictitious name/trade name/DBA name KHARIS ELANNE DAWSON has been registered and in the American Republic/ International witnessed by CitySide Records under Common Law Copyright Registration # 0655847098217. The name is claimed and held under Private/Foreign Trust. Infringement fees apply for violators. For a copy of the full Registration Notices or if you have any adverse claim you may contact Trustee Queen Sirahk of the KHARIS ELANNE DAWSON TRUST at (331) 481-6123 or write to: P.O. Box 1111, Mumias, 50102, Musanda Road (Box#9), Kenya
30 N. LASALLE STREET, SUITE 3650
Chicago IL, 60602
312-541-9710
E-Mail: ilpleadings@johnsonblumberg.com
Attorney File No. 21 8995
Attorney Code. 40342
Case Number: 2022 CH 03012
TJSC#: 45-313
NOTE: Pursuant to the Fair Debt Collection Practices Act, you are advised that Plaintiff’s attorney is deemed to be a debt collector attempting to collect a debt and any information obtained will be used for that purpose.
Case # 2022 CH 03012
I3261098
IN THE CIRCUIT COURT OF COOK COUNTY, ILLINOIS COUNTY DEPARTMENT - CHANCERY DIVISION
HSBC BANK USA, NATIONAL ASSOCIATION, AS INDENTURE TRUSTEE, FOR THE FBR SECURITIZATION TRUST 2005-4 MORTGAGE- BACKED NOTES, SERIES 2005-4, Plaintiff, -v.-
EDDA M TURNER; JOYA TURNER A/K/A
JOYA M TURNER; CAPITAL ONE BANK (USA), N.A.; STATE BANK OF TEXAS, AS SUCCESSOR IN INTEREST TO THE FEDERAL DEPOSIT INSURANCE CORPORATION, AS RECEIVER FOR SEAWAY BANK AND TRUST COMPANY; CROWN ASSET MANAGEMENT, LLC; UNKNOWN OWNERS AND NON-RECORD CLAIMANTS, Defendants.
2023CH02256
413 GREENBAY AVENUE, CALUMET CITY, IL 60409
NOTICE OF SALE PUBLIC NOTICE IS HEREBY GIVEN that pursuant to a Judgment of Foreclosure and Sale entered in the above cause on 11/19/2024, an agent of Auction.com, LLC will conduct the auction in person at 12:00 PM on April 9, 2025 located at 100 N LaSalle St., Suite 1400, Chicago, IL 60606, and will sell at public sale to the highest bidder, as set forth below, the following described real estate. Commonly known as 413 GREENBAY AVENUE, CALUMET CITY, IL 60409
Property Index No. 30-07-209-014-0000
The real estate is improved with a Single Family Residence. The judgment amount was $227,146.07 Sale Terms: 20% down of the highest bid by certified funds at the close of the sale payable to Auction.com, LLC, No third party checks will be accepted. All registered bidders need to provide a photo ID in order to bid. The balance, in certified funds/or wire transfer, is due within twenty-four (24) hours. (relief fee not required) The subject property is subject to general real estate taxes, special assessments, or special taxes levied against said real estate and is offered for sale without any representation as to quality or quantity of title and without recourse to plaintiff and in “AS IS” condition. The sale is further subject to confirmation by the court. Upon payment in full of the amount bid, the purchaser will receive a certificate of sale that will entitle the purchaser to a deed to the real estate after confirmation of the sale.
The property will NOT be open for inspection and plaintiff makes no representation as to the condition of the property, prospective bidders are admonished to check the court file to verify all information. If this property is a condominium unit, the purchaser of the unit at the foreclosure sale, other than a mortgagee, shall pay the assessments and the legal fees required by the Condominium property Act, 765 ILCS 605/9 (g)(l) and (g)(4). If this property is a condominium unit which is part of a common interest community, the purchaser of the unit at the foreclosure sale other than a mortgagee shall pay the assessments required by the Condominium Property Act, 765 ILCS 605/18.5(g-1).
IF YOU ARE THE MORTGAGOR (HOMEOWNER), YOU HAVE THE RIGHT TO REMAIN IN POSSESSION FOR 30 DAYS AFTER ENTRY OF AN ORDER OF POSSESSION, IN ACCORDANCE WITH SECTION 15-1701 (C) OF THE ILLINOIS MORTGAGE FORECLOSURE LAW.
For information, contact Plaintiffs attorney: McCalla Raymer Leibert Pierce, LLC (312) 3469088 please refer to file number 22-12533IL. Auction.com, LLC 100 N LaSalle St., Suite 1400 Chicago, IL 60606 - 872-225-4985 You can also visit www.auction.com.
Attorney File No. 22-12533IL Case Number: 2023CH02256
NOTE: PURSUANT TO THE FAIR DEBT
COLLECTION PRACTICES ACT, YOU ARE ADVISED THAT PLAINTIFF’S ATTORNEY IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. I3261728
IN THE CIRCUIT COURT OF COOK COUNTY, ILLINOIS
COUNTY DEPARTMENT - CHANCERY
DIVISION
JPMORGAN CHASE BANK, NATIONAL ASSOCIATION
Plaintiff, -v.-
ALJ INVESTMENTS, INC., ANDRE JACKSON
A/K/A ANDRE L. JACKSON, CITY OF CHICAGO, UNKNOWN OWNERS AND NONRECORD CLAIMANTS
Defendants 2024 CH 03148 13144 SOUTH VERNON AVENUE
CHICAGO, IL 60827
NOTICE OF SALE
PUBLIC NOTICE IS HEREBY GIVEN that pursuant to a Judgment of Foreclosure and Sale entered in the above cause on September 20, 2024, an agent for The Judicial Sales Corporation, will at 10:30 AM on April 4, 2025, at The Judicial Sales Corporation, One South Wacker, 1st Floor Suite 35R, Chicago, IL, 60606, sell at a public in-person sale to the highest bidder, as set forth below, the following described real estate: Commonly known as 13144 SOUTH VERNON AVENUE, CHICAGO, IL 60827
Property Index No. 25-34-105-003-0000
The real estate is improved with a commercial property.
Sale terms: 25% down of the highest bid by certified funds at the close of the sale payable to The Judicial Sales Corporation. No third party checks will be accepted. The balance, in certified funds/or wire transfer, is due within twenty-four (24) hours. The subject property is subject to general real estate taxes, special assessments, or special taxes levied against said real estate and is offered for sale without any representation as to quality or quantity of title and without recourse to Plaintiff and in “AS IS” condition. The sale is further subject to confirmation by the court.
Upon payment in full of the amount bid, the purchaser will receive a Certificate of Sale that will entitle the purchaser to a deed to the real estate after confirmation of the sale.
The property will NOT be open for inspection and plaintiff makes no representation as to the condition of the property. Prospective bidders are admonished to check the court file to verify all information.
If this property is a condominium unit, the purchaser of the unit at the foreclosure sale, other than a mortgagee, shall pay the assessments and the legal fees required by The Condominium Property Act, 765 ILCS 605/9(g)(1) and (g)(4). If this property is a condominium unit which is part of a common interest community, the purchaser of the unit at the foreclosure sale other than a mortgagee shall pay the assessments required by The Condominium Property Act, 765 ILCS 605/18.5(g-1).
IF YOU ARE THE MORTGAGOR (HOMEOWNER), YOU HAVE THE RIGHT TO REMAIN IN POSSESSION FOR 30 DAYS AFTER ENTRY OF AN ORDER OF POSSESSION, IN ACCORDANCE WITH SECTION 15-1701(C) OF THE ILLINOIS MORTGAGE FORECLOSURE LAW.
You will need a photo identification issued by a government agency (driver’s license, passport, etc.) in order to gain entry into our building and the foreclosure sale room in Cook County and the same identification for sales held at other county venues where The Judicial Sales Corporation conducts foreclosure sales.
For information, examine the court file, CODILIS & ASSOCIATES, P.C. Plaintiff’s Attorneys, 15W030 NORTH FRONTAGE ROAD, SUITE 100, BURR RIDGE, IL, 60527 (630) 794-9876
THE JUDICIAL SALES CORPORATION
One South Wacker Drive, 24th Floor, Chicago, IL 60606-4650 (312) 236-SALE
You can also visit The Judicial Sales Corporation at www.tjsc.com for a 7 day status report of pending sales.
CODILIS & ASSOCIATES, P.C.
15W030 NORTH FRONTAGE ROAD, SUITE
100
BURR RIDGE IL, 60527
630-794-5300
E-Mail: pleadings@il.cslegal.com
Attorney File No. 14-24-02110
Attorney ARDC No. 00468002
Attorney Code. 21762
Case Number: 2024 CH 03148
TJSC#: 45-468
NOTE: Pursuant to the Fair Debt Collection Practices Act, you are advised that Plaintiff’s attorney is deemed to be a debt collector attempting to collect a debt and any information obtained will be used for that purpose.
Case # 2024 CH 03148
I3261857
IN THE CIRCUIT COURT OF COOK COUNTY, ILLINOIS
COUNTY DEPARTMENT - CHANCERY DIVISION
SUN WEST MORTGAGE COMPANY, INC. Plaintiff, -v.-
EDDIE HART, CONSUELLA SIMS, UNKNOWN OWNERS AND NON-RECORD CLAIMANTS
Defendants 24 CH 5025
257 CORNELL AVENUE
CALUMET CITY, IL 60409
NOTICE OF SALE
PUBLIC NOTICE IS HEREBY GIVEN that pursuant to a Judgment of Foreclosure and Sale entered in the above cause on January
IF YOU ARE THE MORTGAGOR (HOMEOWNER), YOU HAVE THE RIGHT TO REMAIN IN POSSESSION FOR 30 DAYS AFTER ENTRY OF AN ORDER OF POSSESSION, IN ACCORDANCE WITH SECTION 15-1701(C) OF THE ILLINOIS MORTGAGE FORECLOSURE LAW.
You will need a photo identification issued by a government agency (driver’s license, passport, etc.) in order to gain entry into our building and the foreclosure sale room in Cook County and the same identification for sales held at other county venues where The Judicial Sales Corporation conducts foreclosure sales.
For information, contact The sales clerk, LOGS Legal Group LLP Plaintiff’s Attorneys, 2801 LAKESIDE DRIVE, SUITE 207, Bannockburn, IL, 60015 (847) 291-1717 For information call between the hours of 1pm - 3pm.. Please refer to file number 24-101132.
THE JUDICIAL SALES CORPORATION
One South Wacker Drive, 24th Floor, Chicago, IL 60606-4650 (312) 236-SALE
You can also visit The Judicial Sales Corporation at www.tjsc.com for a 7 day status report of pending sales. LOGS Legal Group LLP 2801 LAKESIDE DRIVE, SUITE 207 Bannockburn IL, 60015 847-291-1717
E-Mail: ILNotices@logs.com
Attorney File No. 24-101132
Attorney Code. 42168
Case Number: 24 CH 5025
TJSC#: 45-220
NOTE: Pursuant to the Fair Debt Collection Practices Act, you are advised that Plaintiff’s attorney is deemed to be a debt collector attempting to collect a debt and any information obtained will be used for that purpose.
Case # 24 CH 5025 I3261962
IN THE CIRCUIT COURT OF COOK COUNTY, ILLINOIS COUNTY DEPARTMENT - CHANCERY
Current State Flag is Decisive Winner in Flag Redesign Contest
The public overwhelmingly favors retaining the current state flag, Illinois Secretary of State Alexi Giannoulias announced following the five-week voting period to consider a redesign of the flag.
Voters had the option to choose their favorite design from one of the Illinois Flag Commission’s Top 10 new designs, or one of three former flag designs, including the current one, which has not had a major redesign in the past century.
Of the nearly 385,000 votes that were received, over 165,000, or 43 percent, were cast for the current Illinois State flag, which received more votes than the next five top designs combined.
“Some may call it an SOB – a seal on a bedsheet – and the vexillogical community may hate it, but people overwhelmingly prefer our current state flag,”
Giannoulias said. “Thank you to everyone who made their voice heard on the future of this important symbol of state pride.”
The Illinois Flag Commission will prepare a report detailing its findings and recommendations to the General Assembly by April 1. Lawmakers will then vote on whether to adopt a new flag, return to a previous iteration or keep the current one.
Senate Bill 1818, sponsored by State Senator Doris Turner (48th District—Springfield) and State Representative Kam Buckner (26th District—Chicago), was signed into law by Governor JB Pritzker in 2023, creating the commission to gauge public desire for a new flag. The commission selected its Top 10 finalists in December from the 4,844 entries it received during the six-week submission period that closed in October.
Key decisions for retired couples
SUBMITTED BY PATRICK ZAMKIN
A Once you and your spouse retire, you’ll have some decisions to make — decisions that could affect your quality of life in your retirement years. What are these choices?
Here a few of the most important ones:
• How much should you withdraw from your retirement accounts? By the time you retire, you may have contributed for decades to an IRA and a 401(k) or similar employersponsored retirement plan. But once you retire, you’ll probably need to draw on these accounts to help pay your living expenses. Consequently, both of you will need to be sure that you don’t withdraw so much each year that you risk running out of money later in your retirement. One common guideline is to aim for an annual withdrawal rate of 4%, but everyone’s situation is different based on age, pre-retirement income, lifestyle, health, travel plans and other factors. (Once you turn 73, or 75 if you were born in 1960 or later, you will have to take certain amounts, based on your age and account balance, from your traditional IRA and traditional 401(k) each year.)
• When should you take Social Security? The answer to this question depends on many factors, such as your age and other sources of income. You can take Social Security as early as age 62, but your monthly payments will typically be bigger if you wait until your full retirement age, which will be age 67 if you were born in 1960 or later. And if you can afford to wait even longer, your payments will “max out” when you reach age 70. Your decision on when to take Social Security can affect your spouse — and vice versa. If the lower-earning spouse claims Social Security before their full retirement age — again, age 67 — their own retirement benefit and any potential spousal benefit will be reduced.
(Spousal benefits are given to the lower-earning spouse if their full retirement benefit is less than half the other spouse’s full retirement benefit.)
• Should you downsize? If you live in a big home and your children are grown, you may find it economical to downsize. Of course, this is also an emotional decision, but you may find that you can save money by moving into a smaller home.
• Where should you live? Some states are far more expensive to live in than others. You’ll want to weigh your decision carefully, considering the cost of housing, food, income and real estate taxes, transportation and health care in whatever state you choose.
• Have you finished your estate plans? If not, now is the time. You’ll want to work with your legal professional to create whatever documents are needed — a will, living trust, power of attorney — to help ensure your assets go where you want them to go, and that your financial and health care choices will be protected if you become physically or mentally incapacitated.
Of course, many of these same issues will apply if you are single, divorced or widowed. But if you are married, you and your spouse will want to discuss all your choices and then decide which steps to take. Once you’ve got your plans in place, you may well find that you can fully enjoy your retirement years. Edward Jones, its employees and financial advisors cannot provide tax or legal advice. You should consult your attorney or qualified tax advisor regarding your situation.
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.