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#BUGL E N E W S YOUR COMM U N I T Y. YOUR NE WS . IN T HI S I SSU E E VENTS
Calendar Events Upcoming events in your area SEE PAGE 4
SP ORTS
Talking history Author talks baseball at Lisle library
SEE PAGE 3
BU SI NESS
Dave Says Dave Ramsey’s Column SEE PAGE 7
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NEWS
YOUR COMMUNIT Y. YOUR NEWS. WEDNESDAY, SEPTEMBER 18, 2019 | BUGLENEWSPAPERS.COM
LOCAL NEWS
3-year-old with Down Syndrome gets opportunity of a lifetime Nico Brito will have his appearance showed in Times Square for buddy walk BY RYAN OSTRY Bugle Staff
@RyanOstry_BR18 rostry@buglenewspapers.com Ever since Nico Brito was born, he’s been an inspiration to other people. A three-year-old from Downers Grove, who will be making a special appearance in Times Square to launch the NYC buddy walk, has been dealt a tricky card — Down Syndrome. “I received a prenatal diagnosis very early in the pregnancy,” said mother Jacqueline. “I think I was 11 weeks pregnant the time.” After finding about her son’s condition, which came from a routine checkup at the doctor’s office, Jacqueline and her husband decided on the name Nico because it means “Victory of the People”. Besides the meaning behind Nico’s name, Jacqueline said that ‘breaking barriers’ would also be the motto of her son and their family. “There’s just so many stereotypes out there for people that have Down Syndrome,” Jacqueline said. “My husband and I came to the conclusion we’re going to be breaking barriers and support Nico while being the best possible parents we can be.”
DuPage Stormwater Management to Host Elmhurst Quarry Tours Sept. 21 In partnership with the Elmhurst History Museum, DuPage County Stormwater Management will offer the public a rare opportunity to tour its Elmhurst Quarry Flood Control Facility on Saturday, Sept. 21.
“The first Buddy Walk happened in 1995 and it’s also the largest Buddy Walk around the world ... So for his picture to be chosen was pretty special to him and our family.” The three-year-old is known for having a certain energy about him that his mother said keeps everyone’s spirits up. Blowing kisses to people he sees, smiling, waving at people and approaching kids and adults to interact are all some of his best characteristics Jacqueline said her son possesses. A condition where a person has an extra chromosome, which is small packages of genes in the body, remains the most chromosomal condition in the United States today affecting more than 6,000 born babies each year. The condition that is usually associated with physical growth delays, mild to moderate intellectual disability and characteristic facial features, is something that Jacqueline said Nico never lets
it bring him down. “Like I said he’s always just so positive, happy and full of life and energy,” she said. “He’s truly a blessing.”
Nico and his family will be getting the opportunity of a lifetime, as they will be featured on the big screen in the heart of New York City as part of the National Down Syndrome So-
Stormwater Management Committee Chairman Jim Zay said the event quickly sells out each time it is offered. “We always have a strong showing of people interested in learning about how DuPage County manages floodwater. This tour gives us an opportunity explain how the Elmhurst Quarry detains 2.7 billion gallons and protects residents and their property during intense rainfall,” said Zay. “The magnitude of this facility is very impressive, and we are happy to be able to give residents a chance to see it up close.” The Elmhurst Quarry is the largest of DuPage County’s 17 flood control facilities countywide. Using a predetermined operating plan, DuPage County Stormwater Management staff allows
floodwater to enter the Elmhurst Quarry via a 400-foot tunnel, which runs under Illinois Route 83. The Quarry holds the floodwater until water elevations recede enough to pump the water back into Salt Creek. Tours will depart from the Elmhurst History Museum’s Education Center, located at 120 E. Park Avenue in Elmhurst, via bus every 30 minutes from 9:30 a.m. to 2:30 p.m. Each tour will last approximately two hours. Cost for the tour is $12 per person, payable to the Elmhurst History Museum. Following the quarry visit, participants can take a self-guided tour of the Elmhurst History Museum’s exhibit “By All Accounts: The Story of Elmhurst,” which includes more information and a video about the Quarry’s history. ”The Elmhurst Quarry was one
of Elmhurst’s oldest businesses, and it is a site that many people have been very curious about over the years,” said Jessie Wandersee, Supervisor of Education Services at the Elmhurst History Museum. “The Quarry Tour offers a behindthe-scenes opportunity to learn about the facility’s history and view its inner workings from viewing platforms that are usually closed to the public.” Elmhurst Quarry Tour ticket sales will begin at 9 a.m. on Tuesday, Sept. 3. Tickets can be purchased online only on the Elmhurst History Museum’s website at www.elmhursthistory. org in the Special Events section. Children 10 and over are permitted but must be accompanied by an adult. For more information, call the Elmhurst History Museum at (630) 833-1457.
ciety’s annual Times Square video presentation. The presentation, which will take place of the morning of the NDSS Buddy Walk, will kick off National Down Syndrome Awareness Month. In order to get the opportunity, Nico’s photo was selected from more than 3,000 entries in the NDSS worldwide call for photos. “The first Buddy Walk happened in 1995 and it’s also the largest Buddy Walk around the world,” Jacqueline said. “So for his picture to be chosen was pretty special to him and our family.” The featured photographs that will be displayed will highlight children, teen and adults with Down syndrome working, playing and learning alongside friends and family. Although Jacqueline said that there is a challenge with having a son who has Down Syndrome, and will remain one to integrate Nico into society, she feels like her and her husband are very well equipped to continue the journey on providing the best life possible for Nico. “So I’m a literacy coach in education for at-risk children,” Jacqueline said. “My husband is in health care, I feel like if this was to happen to anyone, we’re the right parents because of our professions. “We get so much help and support along the way too, and this Buddy Walk means so much to Nico and our family, so this is just really overall special time for us.”
DuPage County Seeks Input on Spending with Annual Budget Survey
DuPage County residents can share important feedback by completing the County’s annual budget survey, which is available online. DuPage County residents may take the brief survey at www.sur veymonkey.com/r/ dupage2020 or from the County’s homepage at www.dupageco.org and clicking on the budget survey link at the top of the page. Each year, the DuPage County Board asks the residents to provide their thoughts pertaining to County programs and spending priorities.
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WEDNESDAY, SEPTEMBER 18, 2019 | BUGLENEWSPAPERS.COM
BASKETBALL • SOCCER • CROSS COUNTRY • FOOTBALL • SOCCER • TENNIS • BASEBALL • SOFTBALL • VOLLEYBALL TRACK & FIELD • SWIMMING • CHEERLEADING • DANCE • BOWLING FEATURE
TALKING
HISTORY
Bill Leibforth speaks about book “Baseballs Forgotten Black Heroes” at Lisle Library BY RYAN OSTRY Bugle Staff
@RyanOstry_BR18 rostry@buglenewspapers.com Retirement plans vary from person to person. For Bill Leibforth, there is no taking a break during retirement. A resident of Chicago his entire life, he fell in love with baseball at the age of eight and the game has always been a big priority in his life. He authored the book “Baseball’s Forgotten Black Heroes” and discussed it recently at the Lisle Library, “I never really thought I was ever going to be an author even though that I love baseball,” Leibforth said. “I’ve always just enjoyed gaining more knowledge about the sport, and when I gathered more information I thought to myself that I would write.” Leibforth’s book is centered about how Jackie Robinson changed baseball forever, and the 17 players that followed in his footsteps. Leibforth said that the difference from today’s game to back when he was a kid has changed immensely, but the love he developed from an early age has kept his motivation to watch the game still alive. Fifty-cent bleacher seats, players playing for the love of the game
and getting autographs in the parking lot from players were all things Leibforth said he enjoyed as a kid. Robinson, who became the first African American to play in the MLB in the modern era, broke the color line when he started at first base for the Brooklyn Dodgers on April 15, 1947. “Jackie was an American hero,” Leibforth said. “Some of the things he was called, how much scrutiny he had and to still be as great as he was is truly incredible.”
What followed Robinson was a group of players Leibforth said that most avid baseball fans don’t even know. Educating the public and becoming more knowledgeable about the history of the game is something he said he wants his reader’s to get from the book, while understanding the importance Robinson and the ones who followed had on American history. “Willard Brown, John Kennedy and Bob Trice are just a few guys I really tried to highlight because
of the large impact they all made,” Leibforth said. “I mentioned some of the other guys in the book as well, but these few individuals had amazing stories.” Brown, played briefly in the major leagues in 1947, where he and Hank Thompson played against the Boston Red Sox which was the first time that two back players appeared in an MLB game together. Kennedy, made his big league debut on April 22, 1957, becoming the first black player in the history of the Philadelphia Phillies organi-
zation. Trice, made his big league debut on September 13, 1953, became the first black player in the history of the Philadelphia Athletics organization, now the Oakland Athletics. “All of those guys just have a profound impact on baseball and American history,” Leibforth said. “I just hope that this book can shed some light on a little more truth with all of these players, what they endured and how they changed baseball and America forever.”
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CALENDAR
UPCOMING EVENTS IN YOUR AREA WEDNESDAY, SEPTEMBER 18, 2019 | BUGLENEWSPAPERS.COM
THROUGH SEPTEMBER (SUNDAYS) • OSWEGO OSWEGO COUNTRY MARKET. 9 am-1 pm. every Sunday through September, downtown Oswego opens up for the Oswego Country Market. This fresh air market is the best place to shop each week for locally grown produce, fresh farm eggs, raw honey, delicious Wisconsin cheese, and fresh baked bread. While spending time downtown, stop to visit the many stores open during the Oswego Country Market. SEPTEMBER 5 • CREST HILL FRANKENSTEIN: STEAMPUNK BROOCH. 6:30-7:45 p.m. White Oak Library Crest Hill Branch. Mary Shelley’s Frankenstein inspired an entire genre of science fiction leading to the introduction of steam punk. Books like The Iron Assassin by Ed Greenwood, find inspiration from Frankenstein in a steampunk setting. Create a steampunk theme brooch using Frankenstein as the inspiration. Registration is required due to limited space. If you are not able to attend, please inform us 24 hours in advance so we can offer your spot to someone else. No shows may be waitlisted for future programs. SEPTEMBER 6-7 • PARK RIDGE BACKYARD CAMPOUT. 5 p.m.-10 a.m. Wildwood Nature Center. Camp out with your family in the Park District’s backyard, outside at the Wildwood Nature Center. Enjoy a campfire dinner and s’mores on Friday night, as well as breakfast on Saturday morning. After dinner, say hello to the Wildwood critters, borrow a fishing pole and visit the pond, and enjoy a family friendly movie before turning in for the night. Participants are required to bring their own tents and bedding. Fee is per person. Registration deadline: August 31. ` SEPTEMBER 7 • JOLIET ST PAUL THE APOSTLE CATHOLIC SCHOOL GIANTS 5K RUN/WALK. Race day registration starts at 7:30am and race starts at 9am. Come out to run/walk the beautiful neighborhoods of Joliet and support St. Paul the Apostle Catholic School! The race will start at St. Paul School then proceed through the neighborhoods of St. Paul and end back at the school. After race enjoy food, music and 50/50! The Bloody Mary’s are back! Cost: $7.00 and $5.00 a refill! This is a great event for families and all are welcome! SEPTEMBER 7 • DOWNERS GROVE BBQ BOLT. 8 a.m. start time. McCollum Park. The health and safety of our participants, staff, volunteers and sponsors is of the highest importance. The National Weather Service has issued an Excessive Heat Warning through Saturday evening. This “dangerous zone” of heat and humidity will not provide safe conditions for participants -- no matter what precautions GeNeRAL MANAGeR Vice President - Advertising & Marketing AndREw SAMAAn 815-436-2431 ext. 104 andrew@buglenewspapers.com
Newspapers
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3B COMMUNITY
Bounty of Fall Fun happening at Harvest Fest Downers Grove Park District is thrilled to provide this fall festival to the community this September DOWNERS GROVE— The 4th annual Harvest Fest celebration will be held from 12 to 7 pm on Saturday, Sept. 28, at Fishel Park at 1036 Grove St. in Downers Grove. The free, familyfriendly event will include live musical entertainment, a children’s area, food vendors and adult beverages. Harvest Fest is hosted by the Downers Grove Park District and presented by MedExpress Urgent Care, a neighborhood medical center. The Downers Grove Park District is thrilled to provide this fall festival to the community this September. Harvest Fest will feature a fresh lineup of live entertainment, expanded food vendors and beverages and new children’s activities in 2019. “Harvest Fest celebrates the arrival of fall with food and fun for all ages. It’s a perfect opportunity for families and friends to get outdoors and enjoy a beautiful day at Fishel Park!” said Dawn Hartman, Director of Marketing and Community Engagement for the Downers Grove Park District. ARRA, Chicagoland’s premiere classic rock cover band, will headline the live entertainment from 5 to 7 pm. Suburban Cowboys, the ultimate country cover band, will hit the stage from 1 to 3 pm. DJ Coach Josh will spin tunes and get the crowd dancing from 12 to 1 pm and 4:30 to 5 pm. Visitors are encouraged to bring their own lawn chairs or blankets to make themselves comfortable during the performances. Glowby the Bubbler will entertain kiddos with a one-of-a-kind, outdoor bubble performance from 3:30 to 4:30 pm. Kids of all ages will find hands-on activities in the Children’s Area from 12 to 5 pm including free face painting and airbrushing, carnival games with prizes and a bounce house. New this year is a Pumpkin Decorating Contest available for all ages. Pie pumpkins will be sold for $2 each while supplies last. Bring your own décor and pumpkin flair or use our provided supplies to decorate your very own pumpkin to enter in the Pumpkin Decorating Contest. Decorating will take place from 12 to 4 pm. The contest will feature five award categories by age group (ages 1 to 4, 5 to 8, 9 to 12 and 13+) and winners will be announced and awarded prizes at 4:45 pm. Returning this year is the Downers Grove Park District Oaktoberfest booth offering 50 complimentary 1-gallon oak trees on a first-come,
“Harvest Fest celebrates the arrival of fall with food and fun for all ages. It’s a perfect opportunity for families and friends to get outdoors and enjoy a beautiful day at Fishel Park.” - Dawn Hartman, Director of Marketing and Community Engagement for the Downers Grove Park District first-served basis (one per person while supplies last). Learn more about these trees from the District’s Natural Areas team who will be onsite to answer questions. A cornucopia of good eats will be provided by a variety of food vendors including Emmett’s Brewing Company, Barone’s of Glen Ellyn, Fancy Fajita, Sarpino’s Pizzeria, Well’s Street Popcorn and Every Day’s a Sundae. Harvest Fest would not be complete without fall-themed adult beverages. On tap will be Emmett’s Brewing Company Oktoberfest and Munich Light, Spaten Oktoberfest, Hofbräu Oktoberfestbier, Shiner Oktoberfest, Alter Brewing Oktoberfest and CiderBoys cider. Adult beverage tickets are $6 each; ID is required for all ages 21 and up. Bottled water will be available for $2. Thank you to the 2019 Harvest Fest sponsors! The 2019 presenting sponsor is MedExpress Urgent Care, a neighborhood medical center with convenient locations on E. Roosevelt Rd. in Lombard and 75th St. in Downers Grove. Additional sponsors include CD One Price Cleaners, Community Bank of Downers Grove, Fifth Third Bank, Fresh Thyme Farmers Market, Grove Dental, Maple & Main, SHE 103.3 and West Suburban Bank. To learn more about Harvest Fest, visit www.dgparks.org.
ABOUT DOWNERS GROVE PARK DISTRICT The Downers Grove Park District is dedicated to providing a wide variety of year-round recreation programs, facilities, parks, open space and natural areas that respond to the articulated needs and desires of residents. For more information, call 630.963.1300, or visit www.dgparks.org.
PHOTO COURTESY OF DOWNERS GROVE PARK DISTRICT
Harvest Fest would not be complete without fallthemed adult beverages. On tap will be Emmett’s Brewing Company Oktoberfest and Munich Light, Spaten Oktoberfest, Hofbräu Oktoberfestbier, Shiner Oktoberfest, Alter Brewing Oktoberfest and CiderBoys cider.
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2C
3C VILLAGE OF WOODRIDGE
2019: Exciting Milestone Year for Woodridge Woodridge’s present and vision for the future are firmly rooted in its past This year is an exciting milestone for the Woodridge community, and we invite you to be a part of it! In 2019, the Village of Woodridge and Woodridge Park District will celebrate our 60th and 50th anniversaries of incorporation, respectively. The Village and Park District encourages community groups to pay tribute to this milestone year by incorporating an anniversary component into an existing event or program. Community organizations may apply for a Celebrate Woodridge Grant online. The grant guidelines and paper application are also available. Woodridge’s present and vision for the future are firmly rooted in its past.
MORE INFO •
For more information about the Celebration of Woodridge events, go to www.vil.woodridge.il.us
These special anniversaries provide an opportunity to reflect on the many ways that organizations and individuals have contributed to the success of the Woodridge community. Please join us in celebrating Woodridge and the Park District in 2019!
VILLAGE OF WOODRIDGE
Anniversary Parade scheduled for September 28 Parade will head northwest up Woodridge Dr., northeast onto Kincaid Dr. The parade route is set and approximately 1.5 miles long. The parade will head northwest up Woodridge Dr., northeast onto Kincaid Dr., south on Westmoreland Dr., loop back to Woodridge Dr. and finish at the Village Hall. Current committed acts include elected officials, the Jefferson Junior High Marching Band, Downers Grove North High School Trojan Marching Band, VFW Post #1578, at least two motorcycle units, at least two horse units, all three fire protection districts, District 68, the Woodridge Park District, Woodridge Library, many local boy scout and girl scout troops, Woodridge faith-based entries, antique cars, local businesses, various Medinah Shriner acts (cruzin coolers, a 1/3 replica pipper airplane, Segway unit, etc.) and the West Suburban Community Pantry hosting a food drive (where parade viewers can place canned goods into shopping carts). Interested in participating? Parade entries must be received by Tuesday, September 3, 2019 - so spend your Labor Day Weekend finalizing plans!
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5C LOCAL NEWS
Live music, food at Oktoberfest Sept. 27-28 Purchase between August 26-September 25 at the ARC or Community Center to save $5 per ticket TICKETS Price includes fest admission and a Woodridge Oktoberfest beer stein (while supplies last). $5 Pre-Sale Tickets: August 26-September 25. $10 Tickets at the Fest Gate.
PRE-SALE TICKETS Purchase between August 26-September 25 at the ARC or Community Center to save $5 per ticket. Woodridge Oktoberfest is an adult environment, but kids are welcome to enjoy the music, food and limited selection of soft drinks and water. No pets are allowed.
SUBMIT PHOTOS Would you like to be a part of Woodridge history? The Village of Woodridge and Woodridge Park District would like to invite community members to submit photos to celebrate the 60th and 50th anniversary years! We encourage a diverse range of photo submissions that reflects and celebrates Woodridge and captures Woodridge history. The photos could include historical photos of Woodridge, old family photos taken in
MORE INFO Live Music Schedule FRIDAY • 6:00-7:00 PM - Eddie Korosa, Jr. • 7:30-10:30 PM - Infinity SATURDAY • 5:30-6:30 PM - Freeze Dried • 7:00-8:30 PM - Wild Daisy • 9:00-10:30 PM -Hi Infidelity Food Vendors • Austrian Lodge (German food) • VFW (pretzels) • Woodridge Rotary (burgers & more) • The Little Red Donut Truck (Friday only) • Cookies with Flavor (Saturday only) Woodridge, or photos celebrating the 2019 Anniversary year. Please note that by submitting photos, you give the Village and Park District permission to use the photos royalty free (i.e., for social media, poster boards, etc.).
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7C COMMUNITY
WOODRIDGE The Village of Woodridge asked students from Meadowview Elementary School, 2525 Mitchell Dr. in Woodridge, to share their favorite part about Woodridge on its 60th Birthday. ( Images courtesy of the Village of Woodridge)
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5B
A LOOK BACK
SNAPSHOTS FROM PREVIOUS HARVEST FESTS
6B LOCAL NEWS
Plan a day to shop local fairs, shops and stands Enjoy family fun and more at the 2019 Harvest Fest Autumn is tailor-made for getting out of the house to enjoy the great outdoors. With crisp temperatures perfect for strolls or sightseeing and breathtaking scenery awash in bright autumnal hues, autumn landscapes make for the ideal backdrop for weekend plans, including shopping excursions. Fall is a great season to enjoy festivals, farmer’s markets and craft fairs, as merchants look to liquidate inventory before they prepare for the rush of the upcoming holiday season. Cities, towns, hamlets, and everything in between will host their share of open markets and more with great deals to be had, and fall is an ideal time to visit local shops and stands.
FRESH PRODUCE Farms big and small are bursting with produce come the fall. You can find the last vestiges of summer crops mingling with the first fruits of autumn. Grab the last of tomatoes and start thinking ahead to apples, squashes, lettuces, and grapes. You can even get an early start on pumpkin season — both for cooking and carving. Stock the car with reusable tote bags and scour the farmer’s markets for seasonal finds. Chances are you also might pick up some extra treats, such as fresh honey or canned jams.
and fritters, cranberry snacks and wines from nearby wineries also are easy to find in autumn. These items make welcome additions to your own pantry, or bring a freshly made treat to a friend or family member’s home when paying a visit. Also, don’t miss the food-related festivals that pop up on community calendars in the fall. From garlic to potatoes to pumpkins to cheeses, many seasonal items are on display. You also can sample these foods in interesting applications and make a day of gathering recipes and supplies to enjoy later.
CRAFTS, JEWELRY AND DÉCOR FOOD FINDS As plants are harvested, many items are turned into delicious treats. No autumn shopping excursion is complete until you smell a fresh-baked apple pie or some apple cider doughnuts. Corn breads
Include a trip to a craft fair, where local vendors come together to display and sell their wares, on your weekend schedule. Handcrafted items make thoughtful and unique gifts, which can be tucked away for giving later in the year.
NEWS BRIEFS
Fun facts in time for fall fun & more Whether one is collecting leaves, picking apples, exploring corn mazes, or driving the countryside enjoying the foliage, autumn is full of fun Autumn is a season of many changes, with some of the most notable including the dramatic multicolored displays that occur just prior to trees shedding their leaves. It’s also a time of year when many people feel reenergized by cooler temperatures and spend many hours outdoors enjoying all that fall has to offer.
Whether one is collecting leaves, picking apples, exploring corn mazes, or driving the countryside enjoying the foliage, autumn is full of fun facts that can make the season that much more enjoyable. 1. Autumn begins on the autumnal equinox, which occurs on or near September 22 in the northern hemisphere. This year, September 22 is the day when the sun crosses the celestial equator moving southward. When the equinox occurs, there are an equal number of daylight and nighttime hours. 2. Since ancient times, autumn has been an important time of year for many civilizations. Autumn is a main harvesting time in many areas, and a successful harvest was once necessary for survival. Many steps are, and have long been, taken to ensure a bountiful autumn harvest.
7B LOCAL NEWS
Downers Grove Harvest Fest welcomes community Celebrate fall with a day of fun for the entire family at the Downers Grove Park District Harvest Fest Celebrate fall with a day of fun for the entire family at the Downers Grove Park District Harvest Fest! Enjoy live entertainment featuring Suburban Cowboys from 1 to 3 pm, DJ Coach Josh from 3 to 5 pm and ARRA from 5 to 7 pm. Kids will have a blast with bounce houses, face painting and activities. Local food vendors will serve up a bounty of good eats and adult beverages* will be available for purchase. *We card everyone! Please be prepared to show your ID if you will be enjoying an alcoholic beverage at our concerts.
MORE INFO Celebrate fall with a day of fun for the entire family at the Downers Grove Park District Harvest Fest! Enjoy live entertainment featuring Suburban Cowboys from 1 to 3 pm, DJ Coach Josh from 3 to 5 pm and ARRA from 5 to 7 pm. PLEASE NOTE: Outside alcoholic beverages are prohibited. Smoking is prohibited at Downers Grove Park District events.
VISITORS MAY BRING: Lawn chairs & blankets Outside food and non-alcoholic beverages Dogs - must be leashed at all times. Leashes must be no more than six feet in length.
WEATHER STATUS: Harvest Fest is held rain or shine! In the case of severe weather, the event may be canceled. For more information, please contact events@dgparks.org
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NE W S A B O U T LO CA L B U SI NESSES I N YO U R C O MMU NI T Y
BUSINESS + REAL ESTATE
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WEDNESDAY, SEPTEMBER 18, 2019 | BUGLENEWSPAPERS.COM
COLUMN >> DAVE SAYS
The partnership, not the family, is the problem Statistics show the average family business lasts 60 years, while the average publicly-traded company lasts about 15 years DEAR DAVE, My two brothers-in-law and I have been thinking about going into business together as a side project in the real estate world. One of them is an architect and licensed general contractor, one has a successful painting business, and I’m a chief financial officer with a CPA background. Plus, I had a lot of construction experience as a young man. I know you’re not a big fan of business partnerships, but how do you feel about a family business like this?
DAN DEAR DAN,
Going into business with family isn’t my big concern here. I’ve said many times that partnerships are the only ships that won’t sail, and I’m a firm believer in that philosophy. I would encourage you guys to set up a situation where one of you is the owner, then figure out a plan where the other guys get paid off the bottom line — as if they were owners. Trust me, anything with three heads is going to end up being a monster at some point. Here’s the thing about family businesses — when everyone understands their role and has the best
I’d stay away from.
— DAVE DEAR DAVE,
DAVE SAYS By Dave Ramsey
@DaveRamsey daveramsey.com
interest of the company in mind, family businesses can be a lot more fun and more successful than nonfamily businesses. Statistics show the average family business lasts 60 years, while the average publiclytraded company lasts about 15 years. So, there’s nothing inherently wrong with the family part of the equation. It’s the partnership aspect
KEVIN DEAR KEVIN, I’d get renter’s insurance. My guess is it also comes with five or six figures in personal liability coverage, as well. That’s in case he’s out on the patio with his buddies, someone slips and
— DAVE 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 16 million listeners each week on 600 radio stations and multiple digital platforms. Follow Dave on the web at daveramsey. com and on Twitter at @DaveRamsey.
NEWS BRIEFS
STATE NEWS
DOI helps life insurance consumers collect more than $15 Million in 2019 An estimated 1-in-4 life insurance policies go unpaid when an insured person dies because family members aren’t aware a policy exist September is Life Insurance Awareness Month; If you think an insurance company failed to pay after a loved one passed on, the Illinois Department of Insurance is here to help. The Illinois Department of Insurance can help you find out if you’re owed a portion of the millions of dollars in life insurance benefits that go unclaimed every year. So far in 2019, IDOI has helped consumers find and collect more than $15 million from lost or unclaimed life insurance policies. An estimated 1-in-4 life insurance policies go unpaid when an insured person dies because family members aren’t aware a policy exists, don’t know which company issued it, or can’t find the paperwork. “Insurance companies have a duty to pay Illinois consumers who are the rightful beneficiaries of life insurance policies” says IDOI Director Robert Muriel. “We encourage everyone to use the policy locators to search for unclaimed life
We just helped move our son into a cheap, off-campus apartment a few blocks from where he is attending college. We signed the agreement, and are paying the rent, because he makes very good grades. Do you think renter’s insurance is a smart buy? It’s less than $12 a month, but the minimum coverage I can get is $15,000, and he probably has less than $1,000 worth of belongings there.
falls, and they decide to sue because daddy’s on the lease. In a case like this, because there’s so little to start with, it’s not theft or fire taking the contents of the apartment that you’re worried about. It’s the liability portion of the coverage that makes it worth every penny of what you’d be paying. That alone makes it worth $10 to $12 a month just to make sure a slip-and-fall doesn’t mess with your life.
Pritzker honors 9/11 victims, 1st responders on Patriot Day Proclamation directed flags to be flown at half-staff from sunrise to sunset to honor the heroes of 9/11
MORE INFO Here in Illinois, you can check for unclaimed life insurance policies at these sites: • IDOI: https://insurance.illinois.gov/Applications/LifePolicyLocator/ • Illinois State Treasurer: https://icash.illinoistreasurer.gov/ • National Association of Insurance Commissioners (NAIC) • Life Insurance Policy Locator: https://eapps.naic.org/life-policy-locator/#/welcome insurance benefits. If your loved one paid to protect your tomorrow, you deserve to have the money you’re owed.” It’s already the law in Illinois that insurance companies must attempt to locate the beneficiaries of deceased policyholders when life insurance
proceeds remain unpaid, but IDOI makes it simple for consumers to search on their own. If you need additional assistance, please contact the Illinois Department of Insurance at DOI.LifePolicyLocator@illinois.gov or call (866) 445-5364.
Springfield, Ill. — Governor JB Pritzker honored the nearly 3,000 victims, first responders and members of the military on 18th anniversary of the 9/11 attacks with a proclamation recognizing today as Patriot Day in the state of Illinois and requiring flags to be flown at half-staff. “Eighteen years ago, our country faced the deadliest terrorist attack on our soil, and the victims of these abhorrent attacks live forever in our collective consciousness,” said Governor JB Pritzker. “What I will always remember is how even in the face of immeasurable tragedy, the heroism and generosity of the American people shone through. Tens of thousands of fire fighters, police officers, members of our military, volunteers and neighbors came together to rebuild and to heal, knowing that America’s
“What I will always remember is how even in the face of immeasurable tragedy, the heroism and generosity of the American people shone through. Tens of thousands of fire fighters, police officers, members of our military, volunteers and neighbors came together to rebuild and to heal, knowing that America’s best days are ahead. “ - Governor JB Pritzker.
best days are ahead. So today, on Patriot Day, let us recommit to fighting against hate and standing stronger as one nation.” The proclamation directed flags to be flown at half-staff from sunrise to sunset to honor the heroes of 9/11.
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