Niles 4-20-17

A P R I L 2 0 , 2 0 1 7 V O L . 6 1 I S S U E 29

To find out how parents, kids can help, go to page 3

SUMMER

Camp Spotlight Begin planning kids’ summer rec now SEE PAGE 6

SPORTS

DeKalb bound Maine South RB headed to NIU SEE PAGE 5

VILLAGE NEWS >> NILES HUMAN SERVICES

Depts. review accomplishments, challenges Human Services Committee concerned with homelessness, lack of afforable housing

BY IGOR STUDENKOV Bugle Staff @BugleNewspapers nweditor@buglenewspapers.com

Homelessness and lack of afforable housing in the Village of Niles emerged as major concern during the April 13 Niles Human Services Committee.

Every three months, heads of the Niles Department of Family Services, Niles Fitness Center,

Niles Senior Center and Niles Teen Center meet to update each other on their goals and activities, as well as major issues they are hoping to address. Tony Hollenback, the director of the Department of Family Services, reported that he was planning to talk to the Department of Community Development to see what they could do to increase low-income housing options.

Homelessness has been an issue that shows no sign of abating, he said, and he hoped that it would help address the situation.

As Hollenback later told the Bugle, he hopes that more affordable housing would address two issues – provide options for people who are already homeless and keep the people who may have trouble keeping their homes from becoming homeless. As he saw it, it make more sense to try to help people keep their homes than to wait until

they lose it, because helping a homeless person is more expensive and requires more resources.

Hollenback also said that the number of homeless individuals has been increasing – something that, he said, doesn’t get much attention because homelessness isn’t seen as a suburban issue.

During the April 13 meeting, he told the committee that the issue is going to become especially acute during the summer.

His department has teamed up

with Journeys | The Road Home, a Palatine-based non-profit agency that provides social services for the homeless. From Oct. 1 to April 30, it works with faith organizations in 37 towns to give their clients a place to stay. When a person shows up at Family Services looking for a place to stay, the department gives them some food and hygiene supplies, and pays for their cab fare to whichever site SEE REVIEW PAGE 2

NEWS

THURSDAY, APRIL 20, 2017 | BUGLENEWSPAPERS.COM

REVIEW FROM PAGE 1 is available.

With the network shutting down for the summer, Hollenback plans to send clients to the Chicago Department of Human Services, which is dealing with its own caseload.

Another issue that Hollenback has been dealing with is getting a regular supply of donations to the Niles Family Services food pantry.

As previously reported by the Bugle, donations tend to taper off in the warmer months. While he has worked with Jewel Osco’s Dempster Plaza location to set up regular donations, he wants to get donations from other local grocery stores, such as Fresh Farms, Mariano’s.

Making sure that donations from other stores are steady has been a challenge, Hollenback explained.

“The Whole Foods in Park ridge has been hit and miss,” he said, explaining that staffing changes at that location may be the reason why.

PHOTO BY IGOR STUDENKOV | BUGLE STAFF

Niles Human Services building, home to the Niles Family Services, Niles Senior Center and the Niles Fitness Center.

Holleback added that local schools have been very supportive, signaling out Mark Twain Elementary School as a major example. And even though Mejier closed its Niles store last year, Family Services still benefits from the gift cards it donated.

Generally speaking, Family Services has been trying to di-

versify pantry offerings to include ethnic foods. And, if the pantry doesn’t have certain kinds of food at the moment, staff referred clients to, depending on where they live, either Niles Township or Maine Township food pantry.

Hollenbeck said that his department has seen more clients

in general.

“A lot of [social service] agencies have long waiting lists,” he said. “You can come to Family Services and get help that day.”

Other directors had some news to report as well. All four departments reported increases in attendance, with Carl Maniscalco, the Fitness Center di-

rector, reporting a particularly large increase, with the number of visitors going from 1,600 to 2,150 since June 2016.

Williams said this year the annual Teen Center lock-in will be more low-key, with festivities running from 6-10 p.m. rather than overnight, and that there would be “no DJ, no inflatables.”

Maniscalco reported that the center is teaming up with Advocate Children’s Hospital to do fitness classes for children and teens.

Maniscalco also reported that families who rent out fitness center spaces for birthday parties will soon have more options to choose from.

“We realized that [the choice of ] a pool party and gym party wasn’t enough for us,” he said.

“Some will be crafts, some of it will be slime time.”

Maniscalco also hinted as some major change coming down the pipe.

“I can’t talk about it yet, because I haven’t had a chance to talk about it with my staff,” he said.

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NEWS

THURSDAY, APRIL 20, 2017 | BUGLENEWSPAPERS.COM

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COVER STORY >> MORTON GROVE

Trafalgar Woods heads for approval Planning for 18-building townhouse development began over 12 years ago

BY IGOR STUDENKOV Bugle Staff @BugleNewspapers nweditor@buglenewspapers.com

Almost 12 years after the Morton Grove Village Board of Trustees signed off on an 18-building Trafalgar Woods townhouse development, four of the buildings still aren’t finished.

But that may change within the next few months. On April 24, the board will cast a final vote on whether to approved the changes to the Plan Unit Development that would allow for the construction to proceed.

The new property owner is looking to build the remaining buildings in the similar style as the existing 14, using similar materials and designs. The few changes that the plans do call for are minor, and they have mostly to do with interior layout and the location of the airconditioning units.

According to the board packet materials, the plan to redevelop the previously industrial area at 8601 Waukegan Road was originally proposed by Lennar Communities of Chicago LLC, of Plymouth, Minn., in 2005. Lennar managed to build 14 buildings, accounting for 84 out of 110 units it originally proposed.

According to the Plan Unit Development amendment application, Lennar had since stopped building in Chicago area entirely.

It agreed to sell the remaining four lots to DRH Cambridge Homes, of Vernon Hills. The company is planning to build four buildings that

would have a total of 26 units, bring the building and the unit number up to the original plan.

Like the current buildings, the new buildings would be three stories tall, and they would use similar materials as the existing buildings.

But Cambridge Homes is asking for some smaller changes.

Most notably, while the existing buildings’ air-conditioning units are built into the decks, the new buildings would have them at the end of the building. There are also some tweaks to the units’ interior layouts, mostly in terms of where bathrooms are located relative to the other rooms.

Members of the Tragalgar Woods Condominium Association Board got to see the plans on Jan. 12, and the rest of the development’s residents got to see it during an open meeting on Jan. 2. Under the village ordinances, the changes were considered minor enough not to require a village-wide public hearing.

The village board held a first reading on the changes during its April 10 meeting, where it passed without comment from any of the trustees. The second reading, which is when the board will give a final approval, is expected during the April 24 meeting.

Forum on proposed sanctuary city ordinance April 24

The Village of Morton Grove Board of Trustees will hold a public town hall meeting on April 24 to allow residents to give feedback on a proposal to officially make Morton Grove a “sanctuary village.”

As previously reported by the Bugle, the ordinance was proposed by Americans in Solidarity – Chicago, a group formed shortly after President Donald Trump’s inauguration.

It would require village employees, including law enforcement officials, not to detain residents solely based on their immigration status.

It would also require officials not to cooperate with federal law enforcement agencies on investigations related to immigration status – though the ordinance explicitly allows cooperation if a person is being investigated for some other,

non-immigration status related offense.

Members of the group spoke in favor of the ordinance during several recent board meetings. During the April 10 meeting, Morton Grove village administrator Ralph Czerwinski said that, before making any decision, the village wanted to get more feedback from residents. “[The town hall meeting] would give opportunities for individuals to share their views on some of the topics that have been brought forward,” he said.

According to a statement posted on the village website, officials originally suggested hosting it on April 17, but AISC asked for it to be moved to April 24.

The town hall will take place right after the regular village board

meeting, which will start in 7 p.m. and is expected to wrap up by 7:30 p.m. To accommodate what is expected to be a larger-than-average crowd, they will be held at American Legion Memorial Civic Center (6140 Dempster St.) Czerwinski said that the village did some outreach to let as many residents as possible know about the town hall. Aside from the online postings, it sent out a postcard to every resident in Morton Grove.

Czerwinski told the board that, if the ordinance approved, he doesn’t believe it would change much.

“Most of the suggestions [in the] ordinance reflect the current practices of our police department, and the police department rarely receives requests for assistance from the federal government,” he said.

their community’s recycling programs, and such households are raising eco-conscious children, perhaps without even recognizing they’re doing so.

While a transition to a more ecoconscious lifestyle might not be seamless, it’s far easier than many might suspect and even easier for kids who have yet to develop a lifetime of habits that might not be so eco-friendly. With Earth Day on the horizon, the following are a few ways parents can get their kids involved in activities or lifestyles that

benefit the environment.

Address Eating Habits. Over the last several years, the opportunities to eat in an eco-friendly manner have increased dramatically. Organic foods have grown more and more popular, and parents can use this growing trend to teach their kids about the environment.

Teach ConservationTechniques. Conservation is about reducing waste, so conservation techniques don’t involve sacrifice.

Instead, they involve being more

responsible when it comes to using our resources.

Purchase Recycled Products. A host of products are made from recycled materials, from the paper you put in the printer to the toys under the tree onChristmas morning. Explain to kids why you’re choosing these products, and let them know such products wouldn’t be possible without their own recycling efforts.

COMMUNITY BULLETIN >> EARTH DAY 2017

Earth Day is a great teaching opportunity for parents, community Earth Day has been around for more than 40 years, and during that time, it has inspired millions of people to increase their aware-

ness of, and their appreciation for, the environment. Since the dawn of the twenty-first century, people increasingly have adopted ecofriendly lifestyles and attitudes, and the continued embrace of environmentally friendly practices and principles has made the struggles of Earth Day pioneers, like former United States Senator Gaylord Nelson, more than worth it.

Nowadays, children grow up learning about the environment in school and at home. For example, many households participate in

For more information, go to www.earthday.org

FORUM

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COLUMN >> THINKING ABOUT HEALTH

Healthcare industry fights revealing prices for services Stronger medicine is needed if the U.S. is to slow down the ever-rising cost of care

BY TRUDY LIEBERMAN RURAL HEALTH NEWS SERVICE Turning healthcare consumers into educated shoppers has long been a goal of employers who foot the bill for most care, politicians and some consumer organizations that believe that someday shopping for care should be as easy as comparing brands of canned soup.

All it takes are some clear disclosures of prices, ingredients and whatever else seems comparable in a product or service coupled with a bit of education in how to make the shopping trip fruitful, and the healthcare system will transform itself like magic. It will become competitive, prices for services and therefore insurance premiums will drop, and more Americans will be able to afford care.

I’ve heard this talk for 25 years, but the healthcare market has yet to become a shopper’s nirvana. Healthcare is not like canned soup or cheese. It’s complicated - plus there are all kinds of secret and behind-the-scenes deals made by different actors in the price drama that make it nearly impossible to understand what’s being charged.

The actors don’t want anyone to find out.

To take one example: At the end of last year, the New York State Health Foundation studied 107 hospitals in the state and found those with the greatest market share usually charged higher prices. Those facilities could demand such prices from insurers, especially if an insurer wanted the hospital in its network - or if the hospital was the only game in town.

The Foundation also found gag clauses written into contracts between hospitals and insurers that prevented insurers from posting hospital prices

on their websites. Some clauses say that either a hospital or an insurer can pull out of a contract if one party engages in practices that hurt the other.

In other words, if an insurer tries to steer patients to lower-priced providers, the hospital could cancel its deal with the insurance carrier.

The deck is stacked against the patients, who can’t find out anything meaningful about pricing even if they wanted to.

An ongoing political battle in Ohio pitting Jim Butler, a member of the Ohio House of Representatives, against the Ohio Hospital Association and other healthcare professional associations also turns the idea of shopping for healthcare prices on its head.

You see, Butler introduced legislation in 2015 requiring Ohio hospitals and other medical providers to post their prices for non-emergency services. After some legislative wrangling, the law passed as part of the budget for a state agency, and Gov. John Kasich signed it into law.

According to the Health Care Cost Institute that looked at insurance claims for four large carriers, prices vary widely in Ohio. For example, a pregnancy ultrasound in Cleveland costs three times more than the same procedure in Canton 60 miles away.

The same year Butler’s law passed, Gov. Kasich told reporters at a press conference nobody knows what medical procedures cost, and making those costs transparent so patients can shop for quality is key. The governor seemed to be on board.

But he wasn’t. Since then, the governor and the Ohio Hospital Association

have been trying to make sure price posting never happens. “The hospital association is fighting the hardest to avoid this, and their strategy is to divert the effort,” Butler told me.

The Kasich administration has yet to issue rules to implement the price posting law, and Butler says the Kasich administration has continued to say it would not enforce the law, which was to become effective last January 1. But at the end of December, the hospital association and other providers sued to prevent the law from taking effect.

The next hearing is scheduled in August. The suit seems to be a stalling tactic until the governor’s proposed state budget passes at the end of June.

It includes a provision for repealing the law.

Butler says he has met with the industry several times, but the hospitals want to water down the law to the point it’s not helpful to patients. For example, a revised law might require disclosures for only a handful of services and then only if patients request them.

Butler zoomed in on an important fallacy in the theory of shopping for medical services. Recently he tweeted, “How can healthcare savings accounts and high deductible health plans work if patients are not given prices beforehand?”

Recall that health savings accounts and high deductibles are politicians’ preferred choice for bringing down costs. According to this theory, if patients must pay more out-of-pocket, they’ll use fewer services, and national healthcare spending will drop.

Stronger medicine is needed if the U.S. is to slow down the ever-rising cost of care.

But if there’s such hostility to simple price disclosure from the medical establishment that would rather keep patients in the dark, will more stringent remedies for controlling costs ever work?

What’s been your experience obtaining prices for medical care? Write to Trudy at trudy.lieberman@gmail.com.

THURSDAY, APRIL 20, 2017 | BUGLENEWSPAPERS.COM

PAGE 5

FOOTBALL

JUST

DID IT

After a very successful showing at the Nike Opening, Maine South’s Kokosioulis commits to NIU

BY BOBBY NARANG For the Bugle www.buglenewspapers.com

Fotis Kokosioulis saw the opening and wasted little time connecting with his desired desintination.

Three days after received his first offer from Northern Illinois, the Maine South junior running back pledged a commitment to the Huskies on Friday.

“It means a lot to me that they offered,” Kokosioulis said. “It’s a school I really like and I’ve always had an eye on them. It’s awesome that I have a chance to play there.”

Kokosioulis rode a strong showing at Nike Opening Regional at the Chicago Bears’ Halas Hall on April 2 into a whirlwind 12-day journey.

Despite rushing for 1,464 yards and 21 touchdowns to guide Maine South to the Class 8A state championship, including running for 106 yards and catching

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TDS FOR KOKOSIOULIS THIS SEASON

two passes for 44 yards in the title game against Loyola, Kokosioulis remained without a single scholarship offer until the Huskies offered him on Tuesday.

His size — 5-foot-9 and 167 pounds — played small factor in many Division I schools overlooking him.

But his performance at the Nike Opening opened up some eyes, as he ran a personal best laser-measured 40 time of 4.50 seconds to rank in the 99th percentile of all the players tested by Nike in the Class of 2018. He recorded a time of 4.01 in the agility drill to also rank in the 99th percentile, and combined with all five skills test, he finished with a final rating in the 99th percentile.

Considering players from more than 20 states attended the Nike Opening, Kokosioulis’ showing immediate led to an uptick in his recruiting, leading to his comSEE DID PAGE 8

4.5

KOKOSIOULIS 40-YARD DASH TIME AT NIKE

PHOTO BY MARK GREGORY

Maine South’s Fotis Kokosioulis pledged to Northern Illinois University.

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SUMMER CAMPS

EVENTS FOR KIDS IN THE SUMMER THURSDAY, APRIL 20, 2017 | BUGLENEWSPAPERS.COM

COMMUNITY

Begin planning kids’ summer rec now Explore all options, determine budget Many families spend winter figuring out how to chase away cabin fever and endure frigid temperatures until spring and summer mercifully return. Parents thinking ahead to swimming pools and days lounging on the beach can put their daydreams to practical use by planning ahead for their youngsters’ summer vacations. Youth recreational programs and summer camps can bridge the gap in care between the end of school and the day when classes resume. Due in part to high demand, parents who want to place their kids in summer rec programs or summer camps should being vetting such programs and camps well in advance of summer. The following are a handful of tips for moms and dads who want their kids to have fun and fulfilling summers.

• Ask for recommendations. Speak with fellow parents and trusted friends about where they send their children.

Personal recommendations can be very helpful, providing firsthand insight into a particular camp or program.

Schedule appointments to visit camps that fall within your budget. Take your son or daughter along so he or she can get a sense of what camp will be like.

• Explore all options. Camps come in more flavors than ever before. Certain camps may be faith-based ministries while others may focus on particular sports. Band camps and art camps may appeal to creative kids. Also, there are plenty of general-interest camps that offer various activities without narrowing in on any particular one.

Parents may need to choose between a sleepaway camp or day camps, depending on which camp experience they want for their children.

• Inquire about camp schedules.

While many camps are flexible, day camps do not have the same level of flexibility as after-school programs.

Arrangements will need to be made if care is required after regular camp hours. Speak with camp staff to see which types of after-hours programs, if any, are available.

• Determine your camp budget. As varied as program offerings may be, camps also can vary greatly with regard to cost. Government-run camps may be less expensive than those offered by private companies. Day camps typically cost less than those that provide room and board. Find out if a particular organization subsidizes a portion of camp costs. Scouting programs often have a dedicated camp and may offer affordable options for scouts.

Martial arts schools and dance centers frequently offer camp schedules.

If camp seems out of reach, look into local summer recreation programs at parks or schools.

Such programs may not be as extensive as those offered by camps, but they can quell kids’ boredom and keep children occupied during the day.

In addition to camp, remember to plan for some free days so children can just enjoy some downtime.

Such days can break up the monotony of a routine and provide kids and families time to relax together.

Summer recreation may be far off, but it is never too early to start making summer plans, including finding camps and other activities for kids.

THURSDAY, APRI L 20, 2017 | BUG LE N E WS PAPE RS .COM | PAG E 7

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BUSINESS + REAL ESTATE

NEWS ABOUT LOCAL BUSINESSES IN YOUR COMMUNITY THURSDAY, APRIL 20, 2017 | BUGLENEWSPAPERS.COM

COLUMN >> DAVE SAYS

Treat family member like any other hire DEAR DAVE, My husband and I own a small business. One of our relatives asked for a job recently, and we both have reservations about hiring him because there are several dysfunctional relationships and personalities within our extended family. Are we being mean? We’re not sure how to respond.

BECKY DEAR BECKY, Having a small business doesn’t give relatives a free pass to employment. As entrepreneurs, you have the right and responsibility to do what’s best for your company. And you don’t have to hire anyone — even a relative — who’s not a good

fit. There are situations where hiring a family member can actually be a plus. If a relative is qualified and the kind of person who understands they’ll have to bust it every single day and perform at a level equal to or above your other team members, that can be a special and productive thing. A relative who is a problem child, however, can be a nightmare in both your professional and personal lives.

Ask yourself a few questions: Would you hire this person if they weren’t part of the family?

—DAVE DEAR DAVE, I read where you recommend having your house payment or rent

at an amount that’s 25 percent or less of your monthly take-home pay. Does this figure include property taxes and insurance too?

MARK DEAR MARK, Yes, it does. I’m trying to keep you

from being “house poor.” Did you know you can qualify for a house payment, with taxes and insurance, that’s close to half of your takehome pay? That’s ridiculous! When you don’t have room in your budget to do anything else that matters because your house payment is so large, that’s what we call house poor.

When your income minus your basic living expenses equals almost nothing, it means your basic living expenses are way too high. Being in this kind of situation keeps you from saving for really important stuff like investing, retirement, and college for your kids. I’m trying to position you where you can get the

house and everything paid off so you can become wealthy. Remember, your most powerful wealthbuilding tool is your income.

When we talk about driving a crappy car, not going out to eat, or not going on vacation—those are temporary things. It’s all about living like no one else, so that later you can live and give like no one else!

—DAVE * Dave Ramsey is CEO of Ramsey Solutions. He has authored seven bestselling 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.

DID FROM PAGE 5 mitment to Northern Illinois.

Numerous Division I and I-AA schools contacted Kokosioulis after noticing his testing scores at Nike.

“One think I saw my numbers compared to my competition in the state, and that boosted my confidence a lot coming into the new season, knowing how much faster my time was and also gave me more confidence on the recruiting side just in case coaches doubted my speed or something else,” he said.

Maine South football coach Dave Inserra said Kokosioulis had already proven he was a multi-dimensional back with speed and pass-catching ability along with a tireless work ethic.

“The guy can get it done,” Inserra said. “He’s explosive and we have to get the ball in his hands in different ways as much as possible (next year). The best part of him is his speed and how he finishes. He’s a tough, tough kid and is always running forward and fun to watch.”

Kokosioulis credits his training with EFT Sports Performance and doing drills and working out with his father to his strong showing at Nike. He’s excited to build upon his solid junior season and lead the Hawks back to the playoffs. He also spent the winter performing the 50 meter, pole vault and running two relays in the indoor track season, and is playing on the lacrosse team this spring.

“I’m already ready for the season,” he said.

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LEGAL LISTINGS

IN THE CIRCUIT COURT OF COOK COUNTY, I L L I N O I S COUNTY DEPARTMENT - CHANCERY DIVISION DITECH FINANCIAL LLC Plaintiff, -v.UNKNOWN HEIRS AND DEVISEES OF WILBUR KIEHN, DECEASED, UNKNOWN CLAIMANTS AND LIENHOLDERS AGAINST THE ESTATE OF WILBUR KIEHN, DECEASED, UNKNOWN CLAIMANTS AND LIENHOLDERS AGAINST THE UNKNOWN HEIRS AND DEVISEES OF WILBUR KIEHN, DECEASED, CHUL KYUN RA AKA CHUL KYUNRA, SHIRLEE KIEHN, KENNETH KIEHN, THOMAS KIEHN, ROBERT KIEHN, CARRIE KIEHN, CITIBANK, NATIONAL ASSOCIATION SUCCESSOR BY MERGER TO CFSB, NATIONAL ASSOCIATION FKA CITIBANK, FEDERAL SAVINGS BANK, CIRCUIT COURT OF COOK COUNTYPROBATE DIVISION, WILLIAM BUTCHER, AS SPECIAL REPRESENTATIVE OF WILBUR KIEHN, DECEASED Defendants 14 CH 05971 7324 Palma Ln. Morton Grove, IL 60053 NOTICE OF SALE PUBLIC NOTICE IS HEREBY GIVEN that pursuant to a Judgment of Foreclosure and Sale entered in the above cause on February 22, 2017, an agent for The Judicial Sales Corporation, will at 10:30 AM on May 23, 2017, at The Judicial Sales Corporation, One South Wacker Drive 24th Floor, CHICAGO, IL, 60606, sell at public auction to the highest bidder, as set forth below, the following described real estate: Commonly known as 7324 Palma Ln., Morton Grove, IL 60053 Property Index No. 09-13-209-008-0000.

The real estate is improved with a single family residence.

The judgment amount was $278,404.68.

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, including the Judicial sale fee for Abandoned Residential Property Municipality Relief Fund, which is calculated on residential real estate at the rate of $1 for each $1,000 or fraction thereof of the amount paid by the purchaser not to exceed $300, in certified funds/or wire transfer, is due within twenty-four (24) hours. No fee shall be paid by the mortgagee acquiring the residential real estate pursuant to its credit bid at the sale or by any mortgagee, judgment creditor, or other lienor acquiring the residential real estate whose rights in and to the residential real estate arose prior to the sale. 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, contact Plaintiff’s attorney: HEAVNER, BEYERS & MIHLAR, LLC, 111 East Main Street, DECATUR, IL 62523, (217) 422-1719 If the sale is not confirmed for any reason, the Purchaser at the sale shall be entitled only to a return of the purchase price paid. The Purchaser shall have no further recourse against the Mortgagor, the Mortgagee or the Mortgagee’s attorney.

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.

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.

I716285 Published 4/13, 4/20, 4/27

IN THE CIRCUIT COURT OF COOK COUNTY, I L L I N O I S COUNTY DEPARTMENT - CHANCERY D I V I S I O N WELLS FARGO BANK, N.A. Plaintiff, -v.JOHN TASIOPOULOS, THERESA TASIOPOULOS, AMERICAN ENTERPRISE BANK Defendants 15 CH 005338 1323 CARIANN LANE GLENVIEW, IL 60025 NOTICE OF SALE PUBLIC NOTICE IS HEREBY GIVEN that pursuant to a Judgment of Foreclosure and Sale entered in the above cause on February 23, 2017, an agent for The Judicial Sales Corporation, will at 10:30 AM on May 25, 2017, at The Judicial Sales Corporation, One South Wacker Drive 24th Floor, CHICAGO, IL, 60606, sell at public auction to the highest bidder, as set forth below, the following described real estate: Commonly known as 1323 CARIANN LANE, GLENVIEW, IL 60025 Property Index No. 05-31-118-013-0000.

The real estate is improved with a residence.

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, including the Judicial sale fee for Abandoned Residential Property Municipality Relief Fund, which is calculated on residential real estate at the rate of $1 for each $1,000 or fraction thereof of the amount paid by the purchaser not to exceed $300, in certified funds/or wire transfer, is due within twenty-four (24) hours. No fee shall be paid by the mortgagee acquiring the residential real estate pursuant to its credit bid at the sale or by any mortgagee, judgment creditor, or other lienor acquiring the residential real estate whose rights in and to the residential real estate arose prior to the sale. 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 or contact Plaintiff’s attorney: CODILIS & ASSOCIATES, P.C., 15W030 NORTH FRONTAGE ROAD, SUITE 100, BURR RIDGE, IL 60527, (630) 794-9876 Please refer to file number 14-15-05128. 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.

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.

I718256 Published 4/13, 4/20, 4/27

IN THE CIRCUIT COURT OF COOK COUNTY, I L L I N O I S COUNTY DEPARTMENT - CHANCERY D I V I S I O N REVERSE MORTGAGE SOLUTIONS, INC. Plaintiff, -v.TERESA M. BALASKOVITS, UNITED STATES OF AMERICA - DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT, UNKNOWN OWNERS AND NONRECORD CLAIMANTS Defendants 16 CH 010410 8049 N. OZARK AVENUE NILES, IL 60714 NOTICE OF SALE PUBLIC NOTICE IS HEREBY GIVEN that pursuant to a Judgment of Foreclosure and Sale entered in the above cause on February 24, 2017, an agent for The Judicial Sales Corporation, will at 10:30 AM on May 26, 2017, at The Judicial Sales Corporation, One South Wacker Drive - 24th Floor, CHICAGO, IL, 60606, sell at public auction to the highest bidder, as set forth below, the following described real estate: Commonly known as 8049 N. OZARK AVENUE, NILES, IL 60714 Property Index No. 09-24-313-054-0000.

The real estate is improved with a residence.

Sale terms: 25% down of the highest bid by certified funds at the close of the sale payable to The Judicial Sales Corporation.

S TAY I N F O R M E D W I T H L E G A L L I S T I N G S THURSDAY, APRIL 20, 2017 | BUGLENEWSPAPERS.COM

No third party checks will be accepted.

The balance, including the Judicial sale fee for Abandoned Residential Property Municipality Relief Fund, which is calculated on residential real estate at the rate of $1 for each $1,000 or fraction thereof of the amount paid by the purchaser not to exceed $300, in certified funds/or wire transfer, is due within twenty-four (24) hours. No fee shall be paid by the mortgagee acquiring the residential real estate pursuant to its credit bid at the sale or by any mortgagee, judgment creditor, or other lienor acquiring the residential real estate whose rights in and to the residential real estate arose prior to the sale.

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. Where a sale of real estate is made to satisfy a lien prior to that of the United States, the United States shall have one year from the date of sale within which to redeem, except that with respect to a lien arising under the internal revenue laws the period shall be 120 days or the period allowable for redemption under State law, whichever is longer, and in any case in which, under the provisions of section 505 of the Housing Act of 1950, as amended (12 U.S.C. 1701k), and subsection (d) of section 3720 of title 38 of the United States Code, the right to redeem does not arise, there shall be no right of redemption.

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 L A W .

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 or contact Plaintiff’s attorney: CODILIS & ASSOCIATES, P.C., 15W030 NORTH FRONTAGE ROAD, SUITE 100, BURR RIDGE, IL 60527, (630) 794-9876 Please refer to file number 14-16-06099.

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.

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.

I718263 Published 4/13, 4/20, 4/27

IN THE CIRCUIT COURT OF COOK COUNTY, I L L I N O I S COUNTY DEPARTMENT - CHANCERY D I V I S I O N U.S. BANK N.A., SUCCESSOR TRUSTEE TO BANK OF AMERICA, N.A., SUCCESSOR IN INTEREST TO LASALLE BANK, N.A., AS TRUSTEE ON BEHALF OF THE HOLDERS OF THE WASHINGTON MUTUAL MORTGAGE PASSTHROUGH CERTIFICATES, WMALT SERIES 2007- O A 5 ; Plaintiff, vs.

ROSA CASTILLO; JORGE CASTILLO; UNKNOWN OWNERS AND NON RECORD CLAIMANTS; CAPITAL ONE BANK (USA), N.A.; MARK WASHBURN; LVNV FUNDING, LLC MIDLAND FUNDING, LLC; Defendants, 16 CH 5950 NOTICE OF SALE PUBLIC NOTICE IS HEREBY GIVEN that pursuant to a Judgment of Foreclosure and Sale entered in the above entitled cause Intercounty Judicial Sales Corporation will on Wednesday, May 24, 2017 at the hour of 11 a.m. in their office at 120 West Madison Street, Suite 718A, Chicago, Illinois, sell at public auction to the highest bidder for cash, as set forth below, the following described mortgaged real estate: P.I.N. 08-24-203-006-0000.

Commonly known as 353 King Lane, Des Plaines, IL 6 0 0 1 6 .

The mortgaged real estate is improved with a single family residence. If the subject mortgaged real estate is a unit of a common interest community, the purchaser of the unit other than a mortgagee shall pay the assessments required by subsection (g-1) of Section 18.5 of the Condominium Property Act. Sale terms: 10% down by certified funds, balance, by certified funds, within 24 hours. No refunds. The property will NOT be open for inspection For information call Sales Department at Plaintiff’s Attorney, Manley Deas Kochalski, LLC, One East Wacker Drive, Chicago, Illinois 60601. (614) 220-5611.

16-008727 F2 INTERCOUNTY JUDICIAL SALES C O R P O R A T I O N Selling Officer, (312) 444-1122 I719687 Published 4/20, 4/27, 5/4

SENIORS

NEWS ABOUT ACTIVE SENIORS IN THE COMMUNITY THURSDAY, APRIL 20, 2017 | BUGLENEWSPAPERS.COM

SENIOR BULLETIN The Niles Senior Center, 999 Civic Center Dr., Niles, offers programs to support the health, well-being and social needs of seniors, age 55 and over.

The Center offers a variety of programs such as luncheons, health education, clubs, and day trips, as well as classes on topics ranging from dance to cooking to yoga and tai chi to computer instruction.

Provided services also include information and referrals, nursing and social services, meals on wheels, AARP tax assistance, and Medicare counseling.

Stop in and check out the Media Center. There are 10 laptops, and an iPad with volunteers to help assist you.

Media Center Drop-in Hours Mondays, 1-3 p.m.

Fridays, 1-3 p.m.

Discussion Groups Book Discussion Third Tuesday of every month, 1:30 p.m.

Moderator: Judy Schakowsky Books can be picked up at the front desk.

Please register at the front desk, no cost to members and included in six-month facility usage fee Issues in the News Thursdays, 9:30 a.m.

Moderator: Arlene Golub Issues for discussion are brought up by class participants, and everyone’s opinion is valued.

Join this exciting group and open up a world of new ideas.

Please register at the front desk no cost to members and included in six-month facility usage fee Health and Wellness Diabetic Fingerstick & Health Counseling By appointment only, please contact Brigitte - $4 fee Blood Pressure Screening Walk-In, at the Senior Center.

Free admission Free Tax Assistance AARP Foundation Tax-Aide

helps low and moderate income taxpayers, with special attention to those 60 and older.

Volunteers are trained to assist in filing tax forms and certain schedules, including the Form 1040. Taxpayers with complex returns, or in instances where the counselor feels they do not have adequate training or knowledge, will be advised to seek paid tax

assistance. Under the Volunteer Protection. Act, AARP Foundation Tax-Aide volunteers must stay in the scope of the program and do those returns for which they have received training.

Snow Shoveling Assistance If you are a Senior and/or a disabled Niles resident and in need of assistance, please contact the Niles Senior Center at (847) 588-8420 to register or volunteer for this program.

11

By registering for the program, we will do our best to match you up with an available volunteer within your neighborhood.

Volunteers will be asked to remove snow from public walkways and front sidewalks.

After the conclusion of a 3” or greater snowfall, volunteers will visit their assigned home within 48 hours to remove snow.

PAGE 1 2 | T HUR SDAY , AP R IL 2 0 , 20 17 | BUGL ENEWSPAPERS.CO M TA K E 5 M I N U T E S FOR YOURSELF!

ARIES

MARCH 21 TO APRIL 20

Grab the bull by the horns. Your strong leadership abilities and quick-thinking can help turn difficult situations into something resoundingly positive this week. Your charisma and confidence will attract others to join your cause.

GEMINI

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

Avoid pouring it on too thick. Being overly complimentary or polite could backfire as recipients may doubt your sincerity. No one will question your intentions if you demonstrate them through actions rather than words.

LEO

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

Take everything in moderation. It may be a case of doing too much or not enough. The happy medium will make things work as this week unfolds. Don’t press the issue with relationship matters as you may meet resistance.

ACROSS 1 FRATERNAL ORDER MEMBER 4 DEPOSIT 9 CANDY SHAPE 13 PRESSURE FOR PAYMENT 14 HE BECAME NEW YORK PHILHARMONIC MUSIC DIRECTOR 30 YEARS BEFORE LEONARD 15 PART OF ABC: ABBR. 16 TENSION-EASING ACTIVITY 18 BUTCHER’S CUT 19 COFFEE CART ITEM 20 TURF CONTROLLERS 21 DURBEYFIELD DAUGHTER 22 IT SUPPOSEDLY KEEPS THE MONSTER INSIDE THE CLOSET 26 TIEBREAKERS, BRIEFLY 28 TURKISH MONEY 29 HOST 31 HOLISTIC HEALERS’ OBSERVATIONS 32 DAY __ 35 WINERY WOOD 36 EMPHATIC TYPE ... OR WHAT THE BEGINNINGS OF THE LONGEST ENTRIES ARE? 38 COLORFUL CARP 39 TURNDOWNS 40 WHAT LOT’S WIFE LOOKED BACK AT 41 PASTORAL POEM 43 STAT FOR A RELIEVER 44 NANCY DREW’S BEAU 45 JAM SITE 50 EVERYMUTT 53 WWII ATTACKER 54 NEW HAMPSHIRE PREP SCHOOL TOWN 56 FANNY 57 BABY BLANKET,

PERHAPS 60 SUBTLE “OVER HERE!” 61 TROJAN HERO 62 JAPANESE DRAMA 63 HARDENS 64 2012 TITLE JUDGE PLAYED BY KARL URBAN 65 PREFIX WITH CACHING

DOWN 1 2 3 4

DECREE RICHES KILT COMPANIONS GROOM WITH A BILL 5 JAGUAR CREATOR 6 BIG LAUGH 7 WRATH 8 POSTAL MOTTO WORD 9 FRENCH TOWN CLOSEST TO ENGLAND 10 HONOR __ THIEVES 11 PASTORAL SOUND 12 SURREALIST MAX 14 BRANCH 17 KEEP MOIST, IN A WAY 20 ENCLOSE, AS A

PORCH 23 SUGARY STUFF 24 DISTILLER WALKER 25 SNARE 27 TOPPING FOR FANCY CHOCOLATE 29 LONG STRETCH 30 “LITTLE RED BOOK” AUTHOR 31 MAYFLOWER COMPACT SIGNER 32 HIGH JUMPS 33 CAMPAIGN PRO 34 CATCH A BUG 37 SWEETHEART 42 CLEAR, AS A WINDSHIELD 43 THEY MAY BE FALSE 45 PATS ON THE BACK, MAYBE 46 REALLY BIG 47 BROWN 48 CRIED IN THE CORNFIELD 49 WORK ON IN A BAKERY 51 CRUSOE CREATOR 52 GARDEN PRODUCTS BRAND 55 OBS AND ENTS 57 DOWN 58 WHAT’S-__-NAME 59 UNITED

LIBRA

SEPTEMBER 24 TO OCTOBER 23

If you snooze, you lose. A wait and see approach will get you nowhere, the only way that you’ll make any progress this week is if you get out there and make things happen. Follow your instincts to make important decisions.

SAGITTARIUS

NOVEMBER 23 TO DECEMBER 22

Read between the lines. It may be difficult to understand a loved one’s intentions unless you delve beneath the front that they’re putting up. Be patient and talk things out without being overly pushy in the week ahead.

AQUARIUS

JANUARY 21 TO FEBRUARY 19

You don’t have to give until it hurts. Efforts to please a loved one may have you stretching your budget rather thin, so keep things from getting out of hand this week. Remember that the best things in life are free.

SUDOKU

TAURUS

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

If you rest, you could rust. Flex those muscles by keeping busy and active or you may find yourself with little energy to face the week ahead. Accept invitations to get out and about as lounging about the house will do you little good.

CANCER

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

Choose the path of least resistance. There’s nothing to be gained by doing things the hard way so don’t hesitate to take short-cuts to get the job done. The simplest solutions are the ones that work best in the week to come.

VIRGO

AUGUST 22 TO SEPTEMBER 23

Rise to the challenge. It may take a bit of extra effort to overcome an obstacle this week but the satisfaction you get from completing a task will make it all well worth it. Don’t back down if someone questions your integrity or principles.

SCORPIO

OCTOBER 24 TO NOVEMBER 22

Play your pipes and others will follow. Those around you will be more than willing to let you take the lead no matter where you choose to take them. As you make progress this week, an old problem from the past may briefly resurface.

CAPRICORN

DECEMBER 23 TO JANUARY 20

Get out and meet people. Strike up conversations with new acquaintances to pave the way for future friendships in the week to come. Listening to how a loved one talks with others may shed some insight into their character.

PISCES

FEBRUARY 20 TO MARCH 20

If you want to get anything done do it yourself. Your agenda only matters to you so don’t rely on others to share your enthusiasm as the week unfolds. Matters involving family and close friends provide a welcome distraction.

JUMBLE

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PREVIOUS PUZZLE’S ANSWERS

PREVIOUS PUZZLE’S ANSWERS

PREVIOUS PUZZLE’S ANSWERS

JUMBLES:

• CEASE • PAVED • TAVERN • TRENDY

ANSWER:

EVERYONE DOING THE TANGO AT THE CLUB WAS IN -- “ATTEND-DANCE”