Downers Grove 3-15-17 by Bugle, Sentinel & Enterprise Newspapers

M A R C H 15 , 2 0 1 7 V O L . 9 I S S U E 16

Benefits are not a government handout social Security is not a welfare program

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VILLAGE NEWS

Downers Grove Council continues to discuss hall, station SEE PAGE 2

SECTION DGN student named Illinois High School Journalist of the Year Scoring king Woodridge’s Pipes is Lemont’s scoring leader SEE PAGE 7

BUSINESS Dave Says Beware of overspending at warehouse clubs SEE PAGE 11

DGN student named Illinois Journalist of the Year Abigail (Abbe) Murphy, a senior at Downers Grove North High School, has been named the 2017 Illinois Journalist of the Year by the Illinois Journal Education Association (IJEA). She becomes the organization’s 28th Journalist of the Year and the first from Downers Grove. The honor comes with a scholarship and makes her eligible to compete for the national title.

“We are thrilled that Abbe was selected for this prestigious honor,” says Elizabeth Levin, Downers Grove North English Teacher. “Abbe is a deserving student journalist, and this accomplishment reflects her passion for journalism.” Levin serves as the faculty advisor of the student newspaper, The Omega, and Murphy serves as editor-in-chief. “This recognition is a testament to Abbe’s skill as a journalist,” says North High Principal Janice Schwarze. “It is also a testament to the quality of our entire journalism program, so Ms. Levin deserves to be recognized as well for her guidance and hard work.” On March 1, representatives from Illinois Journalism Education Association, including Brenda Field and Stan Zoller,

visited Murphy in her journalism class to surprise her with the news; her family also was present for the celebration. The Illinois Journalist of the Year contest is limited to high school seniors. The winner receives a $300 prize and becomes the Illinois representative In JEA’s national-level Journalist of the Year contest. For more information, visit http://www.ijea.net/contests/studentawards/illinois-journalist-of-the-year/. SUBMITTED PHOTO

DGN Senior Abigail (Abbe) Murphy is named Illinois Journalist of the Year Illinois Journal Education Association (IJEA). Pictured with (l-r) Stan Zoller (IJEA), DGN Teacher Elizabeth Levin, Abbe, Brenda Field (IJEA) and DGN Principal Janice Schwarze.

SPORTS SPOTLIGHT

MEDICARE QUESTIONS

NEWS

WEDNESDAY, MARCH 15, 2017 | BUGLENEWSPAPERS.COM

VILLAGE NEWS >> DOWNERS GROVE

Council continues to discuss hall, station “This is a decade-long or more problem with 2 to 3 [or] 4 studies in the interim” BY MEGANN HORSTEAD For the Bugle @BugleNewspapers sweditor@buglenewspapers.com

The Downers Grove Village Council continued to weigh their options for developing a new village hall and police station at their March 7 meeting. The matter was last discussed by village officials during a Feb. 28 special meeting, at which time it became know there are five potential options, with two of them not relying on taxpayer support and another requesting a delay in village action. Commissioner Bob Barnett said knowing the village has options to choose from puts Downers Grove in a unique position. “This is a decade-long or more problem with 2 to 3 [or] 4 studies in the interim,” he said. “We’ve got a ton of input. We’ve got all the input we need. What we have now that we haven’t ever had before is four real offers in front of us. That’s a new thing.” Barnett said when it comes to the downtown area, the village has a sense of character they’re hoping to achieve and keep in mind. That’s nothing new, he said. “It involves higher density residential downtown,” he said. “The acharacter of the site we’re talking about is bordered primarily by railroad tracks and multi-tenant dwellings. There are a couple of properties—there’s half a dozen, maybe—individual residential lots that would be faced by or immediately adjacent to the private portion of the development. That’s the part, if you will, that is changing because the village hall is the village hall.” There are a number of benefits to hosting a lower density development in the area, one being the added ability to open up space for parking. There are a host of disadvantages to allowing a higher density development, one being cost. Mayor Martin Tully suggested that village officials review the matter and continue to look into it as they move forward with one path or another. “My concern is that we do move mindfully and deliberately because if we don’t make a choice, I’m pretty confident some of these

choices will be made for us because things will drop off. Right now, we’re looking at options. Those will not remain. As time goes on, options will drop off and then we won’t be able to go back to them and then our choices will be limited. I don’t want to do that. I want to make a decision with the full range of options available. I think that’s what we owe to the community.” Commissioner William Waldack said years ago the village felt pushed to take action right away. The residents raised concern about cost, but by waiting officials saved over $20 million and took some land that was vacant for decades. “We have our known knowns and we have our unknown knows,” he said. “There are things out there that could very much adversely affect us by the time we go for the [larger] density.” Waldack said there’s a lot of variables and a lingering possibility there will be a lot of apartments going on line at the same time. The village should try to listen to the constituents, he said. “I’m not hearing at least on the public’s side that there’s a call for what we really need is more apartments,” he said. “But then again, people are also calling saying, ‘why don’t you get a Wal-Mart in there. Why don’t you get the grocery store?’ We don’t have control over all that stuff, either.” Waldack suggested that the village look into designating the property and sale taxes going toward a village hall and police hall, rather than taking the funds from other sources. Commissioner Greg Hose said he doesn’t think turning down the options they have is a good idea. “I think the ultimate takeaway isn’t don’t build anything, don’t build a [new] village hall,” he said. “I think the ultimate takeaway is don’t raise my taxes in order to build something. We have a couple of options that wouldn’t involve raising taxes and solve not just the police station challenge but our village hall challenges, as well. The opportunity to solve $20 million in identified problems… and we can do it with less money than we had initially set aside

for just the police station, I think that’s a pretty [good deal].” Barnett shared that sentiment. “There are two awesome plans, and I really do hope that we collectively are all prepared to vote

on one of them and start pushing forward by the end of the month because I don’t think we’re going to learn anything new about details, new about risk, or new about long-term exposure in the

next three weeks that we don’t know and haven’t known for some time,” Barnett said. Tully agreed. “I think we really need to move forward with one of these options,” he said.

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NEWS

WEDNESDAY, MARCH 15, 2017 | BUGLENEWSPAPERS.COM

SCHOOLS >> DOWNERS GROVE GRADE SCHOOL DISTRICT 58

D.58 students continue achieving in reading, math Median Reading MAP scores exceeded the 70th percentile Downers Grove Grade School District 58 Assistant Superintendent for Curriculum and Instruction Dr. Matt Rich reviewed the District’s proficiency and growth on the Measures of Academic Progress, or MAP, assessment with the Board of Education during the Board’s recent Curriculum Workshop. For the first time ever, District 58’s median Reading MAP scores exceeded the 70th percentile at every grade level on the winter assessment. The national median percentile is 50. Median scores above the 70th percentile indicate that not only are many District 58 students exceeding national norms, more than half of all students in District 58 are scoring above the 70th percentile nationally. Also, for the first time ever, Dis-

trict 58’s winter median Math MAP scores reached the 60th percentile or higher at every grade level, with more than half of grade levels also exceeding the 70th percentile. “This achievement is really a neat celebration of the hard work and progress our students and staff have accomplished,” said Dr. Rich. Dr. Rich also reviewed each grade level’s progress over time. In Reading, seven of the District’s nine grade levels achieved their highestever median winter MAP score, and in Math, six of nine grade levels also earned their highest median winter MAP score. The District’s median scores have increased since first administering the assessment in the 20132014 school year. Dr. Rich explained that median scores can be a useful piece of data for program evaluation. The

District aims to increase median scores from grade level to grade level as well as from year to year. One way of examining these data is to compare current gradelevel performance with these same students’ performance in earlier grades. For example, the District’s current seventh grade students’ median Math score of 72 can be compared with these same students’ performance in the winter of sixth grade, when their median score was at the 62nd percentile, and in the winters of fifth and fourth grade, when their median scores were at the 61st and 60th percentiles, respectively. Another way to examine these data is to compare current grade level performance with seventh graders in prior years. Here again, current seventh graders outperformed the District’s prior seventh graders who earned a median score of 69 in 2016 and 68 in 2015 and 2014. Similar year-

over-year improvements in median scores can be seen in many places within the District data. The District also evaluates academic performance on the MAP assessment through students’ projected growth goals. District students attained tremendous growth in Reading relative to their projected growth, with each grade level exceeding their expected growth for fall to winter. For example, eighth grade students completed more than a full school year’s worth of learning in just the fall semester alone. Dr. Rich reported that while median scores in Math increased in most grade levels, students’ Math growth relative to their projected fall to winter growth goals lagged in some grade levels, as compared to previous years. For example, in winter 2017, the percent of students meeting their projected growth goals exceeded the national average in grades kindergarten, first, sixth, seventh and

eighth, but was closer to the national average in second through fifth grades. This may be due, in part, to the students’ exceptionally strong Math performance in the fall. “Typically, after summer vacation, students’ performance on the fall MAP assessment decreases significantly, but they often make up this decline in the winter,” said Dr. Rich. “This fall, the District showed much higher levels of achievement than usual, which may have contributed to the District’s lower growth scores from fall to winter.” Dr. Rich also noted that this year, District 58 provided teachers with additional supports and resources through the enhanced Math Blueprint. The District also offered rigorous math professional development through the Metro Chicago Math Initiative to all teachers. “Our winter math growth data SEE DISTRICT 58 PAGE 5

PAGE 4 | WEDNESDAY , MA R C H 15, 20 17 | BUGL ENEWSPAPERS.CO M

CALENDAR March 18-26 Chicago Flower & Garden Show.

Navy Pier. Use discount code VOYAGER17 and save an additional $2 off adult weekday or weekend online tickets for the 2017 Chicago Flower & Garden Show. May not be combined with other offers. Purchase your tickets prior to March 17 and save a total of $4 off box office pricing. http:// chicagoflower.com/tickets/

MARCH 19 Spring Palette Art Show. 11 a.m.-

4 p.m. at Gregg House Museum, 115 S. Linden Ave, Westmont. Experience a palette of unique oil paintings, watercolor paintings, prints, pencil drawings, glass, sculpture and much more. Admission is free. The exhibit is hosted by Westmont Historical Society and watercolorist Mary Launi. If you wish to exhibit your art work, please call 630-969-8080x104.

MARCH 20 Forest Fitness Walk. 8:30 ‒ 10:30

a.m. at Fullersburg Woods Forest Preserve in Oak Brook. All walks will be led by a ranger and naturalist. The walks are for ages 18 and up. They cost $4 per person in advance; $6 at the walk. Register online or by calling 630-850-8110.

MARCH 22 Full-day kindergarten meetings. 6:30 p.m. at Thomas Jefferson Junior High School, 7200 Janes Avenue, Woodridge. Attendees will hear details about the full-day kindergarten that begins in 2017-18 school year; and have the opportunity to ask questions.

MARCH 23 Art in the Victorian Era. 11 a.m. at the Downers Grove Public Library,

DISTRICT 58 FROM PAGE 3 stood out to us as District 58 administrators, and we shared it with the teachers on the Math Committee, as well as our principal team for input,” Dr. Rich said. “The Math Committee feels strongly that the District is heading in the right direction. The recent Math professional development has encouraged teachers to try new types of Math instruction, and we’ve noticed

1050 Curtiss St, Downers Grove. The Downers Grove Museum teaches about art in the Victorian era. Explore the innovations that defined this turning point in art - Romanticism, Impressionism, and photography. Conclude with a special look at the Museum’s art holdings.

MARCH 26 Poetry Open Mic. 12:30 p.m. at

Brewed Awakening, 19 West Quincy, Westmont.Chicago area poets Donna Pucciani and Sheila Elliott will be featured followed by open mic included. Cover charge of $10 includes coffee and a snack.

MARCH 28 Hydroponics AND Aquaponics.

7 P.M. at the Downers Grove Public Library, 1050 Curtiss St, Downers Grove. Shawn Odneal from ROOT 66 Aquaponic Garden Shop explains how to choose proper lighting, plant nutrients, automation, and different hydroaquaponic garden systems. Learn what is organic and what is not. Includes fun show and tell and hands-on time with different tools.

MARCH 29 Solar Energy. 11 a.m. at the Down-

ers Grove Public Library, 1050 Curtiss St, Downers Grove. Solar Energy Specialist Hari Lamba answers questions about solar energy. What is it? How does it generate electricity? What physics is involved? What kinds of systems can I get for my home or business? Are incentives available? What are the benefits for myself and for the environment?

UPCOMING EVENTS IN YOUR AREA WEDNESDAY, MARCH 15, 2017 | BUGLENEWSPAPERS.COM Woodridge. Help get the parks clean together. Gather friends and neighbors and bring your group out for a fun, clean-up party. The Park District provides bags and gloves. All participants receive a T-shirt and group recognition in the fall park district Activity Guide. Registration Deadline is Friday, March 11. Print a Community Clean Up the Parks Day Form or Register online. Note: Participants may be photographed or videotaped during this event.

APRIL 8 “Music and the Mind”gala. 5 p.m.

at the Hilton Lisle/Naperville, 303 Corporate West Drive in Lisle. The event is designed to bring attention and resources to mental health awareness and treatment and features a musical performance by Juilliard-trained concert pianist and Harvard-educated psychiatrist, Richard Kogan, MD. For more information and to make a reservation, visit www. eehealth.org/loh.

April 9 5th Annual Mustang Trot 5K Run/Walk. Benefits Special Olym-

pics. For more information, visit the Mustang Trot website at www. mustangtrot.weebly.com or contact Amy Klug at aklug@csd99.org or call 630-795-8574.

M AY 2 1 Pets on Parade. 11 a.m.-2 p.m. at

APRIL 8 Community Clean Up the Parks.

Ty Warner Park, Blackhawk Drive, Westmont. The day includes fun activities, pet contests and a K-9 unit demonstration from the Oak Brook Police K-9 Unit. For more information on the event visit www.westmontchamber.com.

that students are learning Math in more dynamic and in-depth ways. It takes time for teachers to master new types of instruction, and this could have affected our growth this winter.” The District will again review student achievement and growth on the MAP assessment in June, following the spring assessment. Dr. Rich reminded parents that the State’s Partnership for Assessment of Readiness for College and

Careers, or PARCC, assessment and the State’s Illinois Science Assessment will soon be administered. He shared that the District follows the guidance from the Board, community and staff to not emphasize these assessments or teach to the assessment. The State’s contract with PARCC will expire this year. Should the State choose to renew the contract, District 58 will revisit this discussion.

9-11 a.m. at Cypress Cove Family Aquatic Park,8301 S. Janes Ave.

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EDITOR’S NOTE: The opinions expressed in guest columns, editorial cartoons and letters to the editor belong to the author and do not necessarily reflect the views of the The Bugle or its staff.

We want to hear from you! Send us your feedback at sweditor@buglenewspapers.com WEDNESDAY, MARCH 15, 2017 | BUGLENEWSPAPERS.COM

COLUMN

Readers ask for clarifications about Medicare Over the past few months, these columns have raised plenty of questions about Medicare, present and future, and I’ve received many responses to those questions from readers. Q: Why do you refer to Social Security as social insurance? This continues to bafﬂe me just as those who continually refer to SS as a handout. It’s not a handout. That money has been taken out of every one of my paychecks since I was 16. This is my money. TF A: Social insurance is group insurance. Workers pay premiums in exchange for insurance against the loss of wages as the result of disability death, or old age. Because the government manages the insurance, and it is nearly universal, it has historically been labeled social insurance. The writer is correct. Working and paying those insurance

contributions entitles him to benefits. The benefits are not a government handout. Social Security is not a welfare program. Q: I turn 65 this August and need to learn the basics to make informed choices. Is there a website or source you recommend that would give me the basics of Medicare? PH A: You can start with your local SHIP program, the government funded State Health Insurance Assistance Program https://www.shiptacenter.org/, which provides one-on-on counseling and answers questions. Medicare Interactive https://www.medicareinteractive.org/, a website sponsored by the Medicare Rights Center, also is helpful as is Medicare’s official website, Medicare.gov. Q: Both Social Security and Medicare are run under FICA, the Federal Insurance Contributions

Act, and are not part of the national debt. The government needs to raise premiums for people earning higher incomes. MR A: Social Security and Medicare’s hospital benefits are funded primarily through mandatory premiums known as insurance contributions. Neither Social Security nor Medicare hospital insurance adds a penny to the nation’s deficit and debt. One solution for potential Social Security shortfalls is to eliminate the cap on earnings on SEE MEDICARE PAGE 11

LETTER TO THE EDITOR

Impact of State Budget on D.99 Dr. Nancy Kupka, president of District 99 Board of Education State legislators in Springfield are continuing to negotiate a budget for Illinois. A bundle of bills, dubbed “The Grand Bargain,” is expected to be debated in the coming weeks. Many of these bills may impact education funding. I want you to be aware about this pending legislation, and of the possible impact to District 99 and our students at Downers Grove North High and South High. We are keeping a close eye on three bills in particular: • Senate Bill 1: School Funding Reform: This bill would provide more funds to schools that demonstrate greater financial need. This means that state funding to District 99 would remain relatively flat for the next five years or more. Fortunately, we have been preparing for this possibility and due to our prudent financial management, we believe District 99 can withstand this change in state funding over the near term. However, given the impacts of other pending bills below, we are deeply concerned. • Senate Bill 11: Pension Reform: This bill would make significant changes to pension laws. It would

DR. NANCY KUPKA

President of District 99 Board of Education

shift the pension liability from the state onto local taxpayers as well as make other sweeping changes to shed costs that were previously a part of the state’s budget. Depending on the final language, the cost to District 99 taxpayers would be as much as $3 million per year. • Senate Bill 13: Property Tax Freeze: This bill would eliminate the increase for inflation that District 99 is permitted to levy for each year. Indeed, inflationary increases have been the only source of increases to District 99’s levy over the past several years. In this regard, the Property Tax Cap is working as it was originally proposed. While a taxpayer in District 99 with a $300,000 market value home would save about $37 annually in taxes paid to District 99, District 99 would be unable to levy about $1.6 million in

inflationary increases in the first year alone. Over time, District 99 would not be able to keep pace with the inflationary increases of its expenses, and District 99 would be required to cut services in order to keep a balanced budget. It is estimated that a Property Tax Freeze would cause a 10 percent reduction in District 99’s services over the next five years. This would have a substantial impact on the quality of education that we can offer our students at District 99. In late February, I traveled to Springfield alongside fellow Board member Mike Davenport to represent District 99 and we met with several legislators. District 99 Superintendent Dr. Hank Thiele and District 99 Controller Mark Staehlin also attended. We communicated our concerns and highlighted how the various bills might impact our students, schools and programs. As we do in all of our work at District 99, we kept the focus on the student. District 99 is a leading school district, and one of the reasons why we are is because of our strong finances. In the weeks ahead, we will be continuing to prepare and adapt to what we are able to control, while closely monitoring the conversations and debates in Springfield.

PAGE 7

WEDNESDAY, MARCH 15, 2017 | BUGLENEWSPAPERS.COM

BASKETBALL

CHIEF

INDIAN

Woodridge’s Pipes becomes Lemont’s all-time leading scorer BY MARK GREGORY Sports Editor @Hear_The_Beard mark@buglenewspapers.com

While most residents of Woodridge attend Downers Grove High School, you won’t find the name PJ Pipes in any of the Mustangs’ record books. The record book you will find his name in Lemont’s. Pipes lives in the small area of Woodridge that attends Lemont High School and he has rewritten the Indians’ record book, placing his name at the top of the all-time scorers list with 1,259 career points. “It puts a smile on my face that I am the one in the history books,” he said. “That I can be the all-time leading scorer in school history and that when people talk about the best scorers to come through the school, they will talk about my name.” Pipes said he has enjoyed his time at Lemont. “It was a great journey,” he said. “The coaches always pushed me and never let me be satisfied with where I was at. They always pushed me to reach my highest potential. All of my teammates, too, we all pushed each other and when one was down, we always picked each other up.” Pipes made his varsity debut as a freshman and earned a starting spot as a sophomore. “When they brought me up,

it helped my speed,” Pipes said. “The first couple practices and the first games, I was dog tired because varsity was a lot faster. I realized that I had to get a lot faster and it helped my ball handling knowing I had to be able to make a move in traffic. “A lot of my passes early on were intercepted or turned over because I wasn’t seeing it, but once I got used to the pace everything started falling into place.” In his final game, a 63-54 loss to Bolingbrook, in the Sandburg Regional final, Pipes suffered an ankle injury that forced him out of the game. That injury, however, was not going to end his career. “I was not going to sit out,” Pipes said. “I knew if I could walk, I was going to get in there and try and make an impact.” That is the same attitude he is hoping the young players have in their careers. “I tried not to let any adversity get me down. I tried to just keep my head up and keep pushing that no matter what,” he said. “That is something young kids have to realize is that you will have bumps and bruises, but you have to keep pushing on and push through it and give your 110 percent effort every time no matter what. If you can play through it, there is no excuse.” Pipes’ next stop will be the PHOTO BY MICHAEL PREPELICA FOR VARSITY VIEWS

SEE PIPES | PAGE 8

PJ Pipes, a Woodridge resident, is Lemont’s all-time leading scorer.

TWITTER: For up -to-the-minute coverage of upcoming local sport events going on in your area, follow @VoyagerSport

8 SPORTS

WEDNESDAY, MARCH 15, 2017 | BUGLENEWSPAPERS.COM PIPES FROM PAGE 7 University of Wisconsin-Green Bay, where he will be only the third Lemont player to ever play Division-I basketball following 1950 graduate Don Laketa, who played at University of Wichita (now Wichita State) and 1975 graduate Tom Leffler, who played at Murray State. Pipes will join Joliet West small forward Trevian Bell as a onetwo punch from Illinois on the Green-Bay roster. “I am looking forward to it. We have a good incoming freshman class and I think we can make a push next year,” Pipes said. “I think I can compete as a freshman and even earn some minutes. Whoever is in front of me, I will push them and I hope they will push me to help me get better as a freshman. “It humbles you. It makes you realize that you can’t just walk in the gym and be the best player. You have to work for your minutes, work for your time and work for your shots.”

TIPS FOR A HEALTHY LIFESTYLE WEDNESDAY, MARCH 15, 2017 | BUGLENEWSPAPERS.COM

HOME IMPROVEMENT

Color a new home décor with a fresh coat of paint Changing the color of a painted surface or adding paint can achieve a decorative effect Today’s paint products offer homeowners the flexibility to easily change the look and “feel” of a room — or a houseful of rooms, including walls, cabinets, furniture, accessories and trim items — by changing the color of a painted surface or adding paint to achieve a decorative effect. Woodcraft has all the paints and related accessories and supplies to “recolor” your home. Woodcraft introduced Black Dog Salvage Furniture Paint to its line of fine finishes in spring of 2016, giving customers a product developed specifically for use with furniture that is custom-built in the Black Dog Salvage shop, as well as accessories that might once have been part of an historic structure. Using Black Dog, a pure black, and Clean Canvas, a pure white, homeowners can create an unlimited number of shades that can be mixed using 13 additional colors with whimsical names like Caution: Dogs at Work (orange). The water-based ultra matte chalky finish interior paint is easy to use, self-leveling and low-VOC, and it covers in one coat. It can be used on finished and unfinished surfaces like furniture, woodwork, metal, glass and more and does not require priming. The companion Black Dog Salvage Guard Dog Topcoat Paint Protector is tough enough for floors and can be used for all types of indoor projects, such as cabinets, countertops, furniture, and decorative items. ADDITIONAL PAINT OPTIONS General Finishes Milk Paint is a high-tech, water-based acrylic paint for interior and exterior use that is available in more than two dozen colors, ranging from Dark Chocolate to Tuscan Red. It is easy to apply, durable and simple to repair and can be mixed to create new colors or combined with General Finishes water-based glazes and stains to create custom paints and decorative effects such

WIRE PHOTO

Black Dog Salvage Patinio Greenio Furniture Paint gives new character to this hall tree bench. as distressing, antiquing and color washing. Rust-Oleum® Chalked Paint is a water-based, ultra-matte finish for interior applications that can be used alone as a simple covering paint or to achieve decorative effects such as distressing or dry brushing to give any project a oneof-a-kind look with a vintage feel. It applies easily with brush or roller; spraying is not recommended. If using an interior paint for exterior projects such as doors, shutters, or porches, an exterior topcoat will need to be added for protection from the elements. General Finishes Exterior 450 is fortified with UV absorbers to minimize fading and built-in mildewcides to help retard the growth of mold and fungus. Plus, Exterior 450 is fast, as it’s ready to sand in just one hour in ideal conditions. CrystaLac Exterior Finish is a water-based, flexible, UV-stabilized, waterproof, clear topcoat for exterior furniture, doors and crafts. For best results, apply when temperature is between 60°F and 80°F. This paint dries to the touch in about 15 minutes, but wait two to four hours to recoat. HANDY HELPERS FOR PAINTING

• Wagner Home Décor Paint Sprayer. This is a great first-step product for those new to HVLP spraying. It is easy to use and sprays milk paint, stains, sealers and lacquers. Check your paint manufacturer’s directions for use in sprayers. • The versatile Vika TwofoldTM is configured for use as a 21.7”high scaffold or a workbench that is 47.6” long X 18.7” deep X 31.8” high with a tool tray, drilling hole, protractor and ruler inscribed into the MDF work surface. • QuikBENCH™ Portable Workbench is a lightweight, easy-to-setup portable workbench with a 30” x 24” work surface that is 32” high and capable of holding up to 300 lbs. Convert two QuikBENCHES™ to sawhorses, and together they can hold up to 2,000 lbs. • Painter’s Pyramids, New and Improved 10-pack allows homeowners to paint, flip and paint without having to wait for the first side to dry. Pyramids now include tabs and slots on the bases so they can be screwed down to make permanent finishing platforms or joined together to create more stable temporary applications. • Redtree Finishing Brushes feature beaver tail-style hardwood handles and hand-trimmed chisel edge bristles.

WEDNESDAY, MARCH 15, 2017 | BUGLENEWSPAPERS.COM

BUSINESS + REAL ESTATE

NEWS ABOUT LOCAL BUSINESSES IN YOUR COMMUNITY WEDNESDAY, MARCH 15, 2017 | BUGLENEWSPAPERS.COM

COLUMN >> DAVE SAYS

Beware of overspending at warehouse clubs DEAR DAVE, I know you’re big on bargains and saving money. How do you feel about warehouse clubs, like Costco and Sam’s Club? JESSICA DEAR JESSICA, We have both of those in our neighborhood, and I’m a big fan. There are definitely some good buys and great bargains to be had in places like that. To be honest, my wife is probably a bigger fan than I am. I suspect we save more money from her trips than mine to those spots. I will advise you to watch your

MEDICARE FROM PAGE 4 which Social Security contributions are assessed. For this year the cap is $127,200. Congress eliminated the cap for Medicare contributions in the early 1990s. Q: The government has to stop using Medicare funds to pay hospital bills for illegal aliens. They are not covered under Medicare, and the millions and billions of dollars should not be taken from Medicare funds. BC A: Medicare does not pay for healthcare for undocumented

IN THE CIRCUIT COURT OF THE EIGHTEENTH JUDICIAL CIRCUIT DuPAGE COUNTY, ILLINOIS HSBC BANK USA, NATIONAL ASSOCIATION, AS TRUSTEE FOR WELLS FARGO HOME EQUITY ASSETBACKED SECURITIES 2006-3 TRUST, HOME EQUITY ASSET-BACKED CERTIFICATES, SERIES 2006-3, PLAINTIFF, VS. MORTGAGE ELECTRONIC REGISTRATION SYSTEMS , INC., AS NOMINEE FOR SOUTHSTAR FUNDING . LLC; DANIELLE BIONDO; JOSEPH BIONDO, DEFENDANTS. 10CH 006620 8214 WESTVIEW LANE WOODRIDGE, IL 60517 NOTICE OF SALE PURSUANT TO JUDGMENT OF FORECLOSURE UNDER ILLINOIS MORTGAGE FORECLOSURE ACT PUBLIC NOTICE IS HEREBY GIVEN that pursuant to a Judgment of Foreclosure and Sale entered by the Court in the above entitled cause on September 25, 2012, Sheriff of DuPage County will on April 25, 2017, in 501 North County Farm Road, Wheaton, IL 60187, at 10:00

DEAR MEGHAN, There’s not really a magic number for this kind of thing. In your case, I wouldn’t go to the trouble for an LLC right now. You don’t need the hassle of extra paperwork and the expense of processing and filing fees. Just make sure you have normal, liability-type insurance in place. That shouldn’t cost a lot of money. The main reason you would consider shifting to an LLC is if you had reached a point in life as a business owner where you were afraid you might have a target on your back. By that, I mean you

would want protection in the event of a lawsuit if your company had grown to sizable proportions and you had begun to accumulate substantial personal assets. At this stage I don’t think anyone’s going to bother you. —DAVE

spending carefully in warehouse clubs. Most people overbuy in situations like that, especially those of us who are spenders by nature. Believe it or not, I’m a spender by nature. To this day, if I’m not careful, I’m still bad about buying things I don’t need – or too much

of the things I do need – in warehouse clubs. Have fun in there, and make sure you find some steals on smart things you can stock up on. Just don’t go crazy and wreck your budget by overspending! —DAVE DEAR DAVE, I’m 26, and I’ve been running my own business as sole proprietor for a year-and-a-half. My gross revenues are about $94,000, and my personal net worth is around $68,000. Is there an asset level you recommend reaching before moving to LLC status? MEGHAN

people. Community clinics may offer services. Hospitals may treat them under their charity and uncompensated care programs, but usually try to collect those debts. Q: Do you have any advice for individuals who will be switching over from Covered California (the state’s Obamacare marketplace) to Medicare in the next few months due to a disability? Are there any concerns someone would have before making the changeover? LP A: Anyone age 65 and older and first signing up for Part B (which

pays for doctors’ services and outpatient care) and in some states people with disabilities first signing up for Part B may be able to get a Medigap within the first six months of eligibility for Medicare. After that it depends on your state’s rules. Check with your local SHIP program to learn what they are. Q: I am very happy there’s going to be Medicaid reform. I am a dental hygienist who worked in a practice that has seen has many Medicaid patients. Many of these people were illegal. Some

couldn’t even speak English. I am on the door of seniorhood but LOVE the idea of Medicaid reform. We can save millions, probably billions, by putting people to work who can work. CW A: The column you refer to discussed Medicare, not Medicaid. The programs are not the same. Medicaid was not designed as a seniors’ program, but 20 percent of Medicaid expenditures are for long-term care. The lack of such care for families has meant that Medicaid, a welfare program, has become a long-term care program

by default for many middle-income seniors. Congress is considering cuts to both programs that could result in seniors paying a lot more out of pocket.

AM, sell at public auction and sale to the highest bidder for cash, all and singular, the following described real estate mentioned in said Judgment, situated in the County of DuPage, State of Illinois, or so much thereof as shall be sufficient to satisfy said Judgment:

to a Deed to the real estate after confirmation of the sale.

DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION WILL BE USED FOR THAT PURPOSE.

TAX NO. 08-35-213-013 COMMONLY KNOWN AS: 8214 WESTVIEW LANE WOODRIDGE, IL 60517 Description of Improvements: SINGLE FAMILY FRAME 1 CAR ATTACHED GARAGE The Judgment amount was $286,648.24. Sale Terms: This is an “AS IS” sale for “CASH”. The successful bidder must deposit 10% down by certified funds; balance, by certified funds, within 24 hours. NO REFUNDS. The subject property is subject to general real estate taxes, special assessments or special taxes levied against said real estate, water bills, etc., and is offered for sale without any representation as to quality or quantity of title and without recourse to plaintiff. The sale is further subject to confirmation by the court. Upon payment in full of the bid amount, the purchaser shall receive a Certificate of Sale, which will entitle the purchaser

The property will NOT be open for inspection. Prospective bidders are admonished to check the court file to verify all information. The successful purchaser has the sole responsibility/expense of evicting any tenants or other individuals presently in possession of the subject premises. 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 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: Visit our website at http://ilforeclosuresales.mrpllc.com. Between 3 p.m. and 5 p.m. only - McCalla Raymer Leibert Pierce, LLC, PlaintiffΓÇÖs Attorneys, 1 N. Dearborn St. Suite 1200, Chicago, IL 60602. Tel. No. (312) 346-9088. Please refer to file# 754 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, THE PLAINTIFFΓÇÖS ATTORNEY IS

Plaintiff’s attorney is not required to provide additional information other than that set forth in this notice of sale. I716919 Published 3/15, 3/22, 3/29

* Dave Ramsey is CEO of Ramsey Solutions. He has authored seven best-selling books, including The Total Money Makeover. The Dave Ramsey Show is heard by more than 12 million listeners each week on 575 radio stations and multiple digital platforms. Follow Dave on the web at daveramsey.com and on Twitter at @ DaveRamsey.

TAKE 5

FOR WHEN YOU NEED 5 MINUTES FOR YOURSELF! WEDNESDAY, MARCH 15, 2017 | BUGLENEWSPAPERS.COM

ARIES

MARCH 21 TO APRIL 20

Your social instincts and intuitions might be at a low point in the first part of the week. Avoid making major purchases that require good taste. Put romantic notions on hold for a few days and focus on moneymaking activities.

GEMINI

M AY 2 2 T O J U N E 2 1

Live up to the challenge. Responsibilities at work or in the family can put you through your paces in the week ahead, but the rewards will be well worth it. Don’t let minor criticisms undermine your confidence.

LEO

J U LY 2 3 T O A U G U S T 2 1

You have a flair for friendliness. Express brotherly love in all the right places to successfully blend business with pleasure in the week to come. Avoid impulsive buying sprees and you can turn talents and skills into cash.

ACROSS

DOWN

1 DID A GONDOLIER’S JOB 6 WEDDING PLANNER’S CONTACT 13 LIKE ANTIQUE WATCHES 15 FRESHWATER FLATWORMS 16 HIKER’S CHALLENGE 17 CABOOSE 18 KNOCKOFF CEREAL? 20 SWIFT’S MEDIUM 21 RUNNER IN THE ALPS 22 EXPIRE 26 “AND IF __, NO SOUL SHALL PITY ME”: KING RICHARD III 28 COLD CEREAL? 32 CHARGED WHEELS 35 WITH 24-DOWN, COURSE FOR FUTURE PUNDITS 36 HÄGAR CREATOR BROWNE 37 RECALLED CEREAL? 40 “GET OFF THE STAGE!” 43 CORRIDA FIGURE 44 PHILOSOPHERS’ SUBJECT 48 PROHIBITED CEREAL? 51 “EX’S & OH’S” SINGER KING 52 METLIFE COMPETITOR 53 SPAN OF NOTE 56 COURT MULLIGAN 57 MYSTERY CEREAL? 62 DISORGANIZED 65 EMMY-WINNING ROLE FOR JULIA 66 MOORING HITCH, FOR ONE 67 MORE THOUGHTFUL 68 DEAL ON A LOT 69 ROUND COMPONENTS, MAYBE

1 BASKIN-ROBBINS OFFERING 2 ENJOYING THE AMUSEMENT PARK 3 BRAND THAT’S SWIRLED, NOT SWALLOWED 4 EERO SAARINEN AND OTHERS 5 THEY’RE FORBIDDEN 6 LITTLE NIPPER 7 FROLIC 8 HOW SOME DELIVERIES ARE PAID 9 BROUGHT UP 10 CHOLER 11 MR. BUMBLE, TO OLIVER TWIST 12 __ BO 14 “THE BIG BANG THEORY” FIGURE 15 FREEBIE FROM ADOBE 19 GO DOWN 23 PROP UP 24 SEE 35-ACROSS 25 “THAT’S SCARY!” 27 MIDDLE-EARTH FIGURE 29 __ POINT: WITH LIMITATIONS 30 ROCK’S __ FIGHTERS

31 PENGUIN’S PERCH 33 EDIBLE THISTLE 34 “JUST ANOTHER MINUTE” 38 SPHEROID 39 EWE OR SOW 40 IT MAY BE WIRED 41 BOOR 42 PEANUT PRODUCT 45 OFFER TO A POTENTIAL SEEKER 46 DRY __ 47 ENGLISH AND IRISH 49 LIKE SOME BEAUTY CONTEST WINNERS 50 NEIGHBOR OF HOMER 54 BE OFFENSIVE, IN A WAY 55 RESPONSE TO A HECKLER 58 INDIAN ROYAL 59 “THE MOST PRIVATE OF PRIVATE SCHOOLS,” TO HUGH LAURIE 60 RIZZOLI OF “RIZZOLI & ISLES”: ABBR. 61 DECREASE 62 NYC SUBWAY 63 “__ WILL I” 64 IRS EMPLOYEE

LIBRA

SEPTEMBER 24 TO OCTOBER 23

Get ready to wear your lucky shamrock. Some friendships must shift so that you can regroup within a more comfortable structure. Forming a new friendship may be more practicable than pursuing a romantic hookup this week.

SAGITTARIUS

NOVEMBER 23 TO DECEMBER 22

In the week ahead you could brim with creative ideas to improve your surroundings. If you focus fully on your tasks you will find ample opportunities to use ingenuity on the job. Avoid a passing temptation.

AQUARIUS

JANUARY 21 TO FEBRUARY 19

Today’s Full Moon might rivet your attention on financial matters. In the week ahead you might benefit from meditation or time spent on your own. You might not be aware that someone is being supportive.

SUDOKU

TAURUS

A P R I L 2 1 T O M AY 2 1

Make the most of your business acumen by working toward the achievement of long term goals in the upcoming week. Don’t pursue an impossible dream or a fantasy when a sure thing is sitting right under your nose.

CANCER

J U N E 2 2 T O J U LY 2 2

ou may be inspired to expand creative efforts or make more peaceful choices in the week ahead. Your friends may influence your ideas and persuade you to choose lasting values over immediate gratification.

VIRGO

AUGUST 22 TO SEPTEMBER 23

There is a Full Moon in the skies in your sign that can trigger self-examination in the week ahead. Avoid making purchases of personal items in the first half of the week when you are somewhat susceptible to flattery.

SCORPIO

OCTOBER 24 TO NOVEMBER 22

Decoding the wants and needs of a significant other might seem difficult in the early part of the week to come. You might read too much meaning into something that would seem commonplace in other circumstances.

CAPRICORN

DECEMBER 23 TO JANUARY 20

You may be so busy looking for a four leafed clover that you ignore something important going on in the home. You may realize that you have only seen what you wanted to see as this week unfolds.

PISCES

FEBRUARY 20 TO MARCH 20

Negative thinking can lead to negative results. Today’s Full Moon is in your opposite sign so you may become more aware of the flaws in a relationship or a partner. Focus on being a friend in the week ahead.

JUMBLE

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PREVIOUS PUZZLE’S ANSWERS

JUMBLES:

• VOCAL • LEAVE • SCHOOL • JOSTLE

ANSWER:

WHAT THE RECKLESS DRIVER GAVE THE BARBER -A CLOSE SHAVE

DEADLINE FOR CLASSIFIEDS: FRIDAY AT NOON WEDNESDAY, MARCH 15, 2017 | BUGLENEWSPAPERS.COM BUSINESS & PRIVATE PARTY CLASSIFIED ADS: $16 PER WEEK, 20 WORDS OR LESS. WEDDINGS, BIRTHS & ENGAGEMENTS: BLACK & WHITE - $25, COLOR - $35. OBITUARIES: $35.

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WEDNESDAY, MARCH 15, 2017 | BUGLENEWSPAPERS.COM

WOODRIDGE IN THE CIRCUIT COURT OF THE EIGHTEENTH JUDICIAL CIRCUIT DuPAGE COUNTY, ILLINOIS HSBC BANK USA, NATIONAL ASSOCIATION, AS TRUSTEE FOR WELLS FARGO HOME EQUITY ASSETBACKED SECURITIES 2006-3 TRUST, HOME EQUITY ASSET-BACKED CERTIFICATES, SERIES 2006-3, PLAINTIFF, VS. MORTGAGE ELECTRONIC REGISTRATION SYSTEMS , INC., AS NOMINEE FOR SOUTHSTAR FUNDING . LLC; DANIELLE BIONDO; JOSEPH BIONDO, DEFENDANTS. 10CH 006620 8214 WESTVIEW LANE WOODRIDGE, IL 60517

PHONE: 815.436.2431 >> Mon. - Fri. 9 a.m. to 5 p.m. FAX: 815.439.2548 EMAIL: classifieds@enterprisepublications.com IN PERSON: Enterprise Publications >> 23856 Andrew Rd. >> Plainfield, IL

NOTICE OF SALE PURSUANT TO JUDGMENT OF FORECLOSURE UNDER ILLINOIS MORTGAGE FORECLOSURE ACT

ARY 6, 1969 AS DOCUMENT R69-348, IN DUPAGE COUNTY, ILLINOIS.

PUBLIC NOTICE IS HEREBY GIVEN that pursuant to a Judgment of Foreclosure and Sale entered by the Court in the above entitled cause on September 25, 2012, Sheriff of DuPage County will on April 25, 2017, in 501 North County Farm Road, Wheaton, IL 60187, at 10:00 AM, sell at public auction and sale to the highest bidder for cash, all and singular, the following described real estate mentioned in said Judgment, situated in the County of DuPage, State of Illinois, or so much thereof as shall be sufficient to satisfy said Judgment:

COMMONLY KNOWN AS: 8214 WESTVIEW LANE WOODRIDGE, IL 60517

LOT 316 IN FORESTEDGE, UNIT NO. 2, A SUBDIVISION IN THE NORTH 1/2 OF SECTION 35, TOWNSHIP 38 NORTH, RANGE 10, EAST OF THE THIRD PRINCIPAL MERIDIAN, ACCORDING TO THE PLAT THEREOF RECORDED NOVEMBER 19, 1968 AS DOCUMENT R68-53827 AND CERTIFICATE OF CORRECTION FILED JANU-

TAX NO. 08-35-213-013

Description of Improvements: SINGLE FAMILY FRAME 1 CAR ATTACHED GARAGE The Judgment amount was $286,648.24. Sale Terms: This is an “AS IS” sale for “CASH”. The successful bidder must deposit 10% down by certified funds; balance, by certified funds, within 24 hours. NO REFUNDS. The subject property is subject to general real estate taxes, special assessments or special taxes levied against said real estate, water bills, etc., and is offered for sale without any representation as to quality or quantity of title and without recourse to plaintiff. The sale is further subject to confirmation by the court.

Upon payment in full of the bid amount, the purchaser shall receive a Certificate of Sale, which will entitle the purchaser to a Deed to the real estate after confirmation of the sale. The property will NOT be open for inspection. Prospective bidders are admonished to check the court file to verify all information. The successful purchaser has the sole responsibility/expense of evicting any tenants or other individuals presently in possession of the subject premises. 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 YOU ARE THE MORTGAGOR (HOMEOWNER), YOU HAVE THE RIGHT TO REMAIN IN POSSESSION FOR 30 DAYS AFTER ENTRY OF AN ORDER OF POSSESSION, IN ACCOR-

DANCE WITH SECTION 15-1701(C) OF THE ILLINOIS MORTGAGE FORECLOSURE LAW. For Information: Visit our website at http://ilforeclosuresales.mrpllc.com. Between 3 p.m. and 5 p.m. only - McCalla Raymer Leibert Pierce, LLC, PlaintiffΓÇÖs Attorneys, 1 N. Dearborn St. Suite 1200, Chicago, IL 60602. Tel. No. (312) 346-9088. Please refer to file# 754 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, THE PLAINTIFFΓÇÖS ATTORNEY IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION WILL BE USED FOR THAT PURPOSE. Plaintiff’s attorney is not required to provide additional information other than that set forth in this notice of sale. I716919 Published 3/15, 3/22, 3/29

METRO

WEDNESDAY, MARCH 15, 2017 | BUGLENEWSPAPERS.COM

COMMUNITY BULLETIN

This St. Patrick’s Day, plan before you party As one of the country’s most popular holidays, St. Patrick’s Day has long celebrated the roots of millions of Americans with Irish ancestry. But all-too-often, the celebration can turn deadly because of impaired driving. This year, if you’ll be drinking alcohol, the Woodridge Police Department has some advice for you: “Drive Sober or Get Pulled Over!” “The Woodridge Police Department will be on patrol this St. Patrick’s Day, so make sure you obey the law,” said Sgt. Brinkman. “Don’t drink and drive, and don’t let your friends do it, either. Help us make Zero Fatalities a Reality in Illinois.” In addition to looking for alcohol- and drug-impaired drivers, the Woodridge Police will be stepping up seat belt enforcement, particularly at night when seat belt usage rates are lowest.

“Before celebrating St. Patrick’s Day this year, decide whether you’ll drink or you’ll drive,” Sgt. Brinkman said. “If you choose to drink, designate a sober, reliable driver to get you home safely from the party. If you’re planning on driving, don’t drink. The last thing you want is to ride home with a cop.” Sgt. Brinkman said always designating a sober driver and not letting friends drive drunk are just two simple steps to help avoid a tragic crash or an arrest for Driving Under the Influence (DUI) of drugs and/ or alcohol. Other important tips: If you are hosting a St. Patrick’s Day party: • Remember, you can be held liable and prosecuted if someone you serve is involved in an impaired driving crash. • Make sure all guests designate a

sober driver in advance or help arrange ride-sharing with other sober drivers. • Serve lots of food and include lots of non-alcoholic beverages at the party. • Keep the phone numbers for local cab companies handy, and take the keys away from anyone who is thinking of driving drunk. If you are attending a St. Patrick’s Day party: • Designate a sober driver before the party begins and give that person your keys. • If you do not have a designated driver, ask a sober friend for a ride home, call a cab, sober friend or family member to pick you up or just stay where you are and sleep it off until you are sober. • Never let a friend leave your sight if you think they are about to drive drunk.

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