Niles 8-24-17

AU G U S T 2 4 , 2 0 1 7 V O L . 6 1 I S S U E 47

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LIBRARY

Park Ridge Library reaffirms place of business policy SEE PAGE 3

FORUM

Guest Column Robert Koehler: Terrorism for profit SEE PAGE 4

BUSINESS Dave Says Avoid home improvement debt SEE PAGE 9

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NEWS

THURSDAY, AUGUST 24, 2017 | BUGLENEWSPAPERS.COM

VILLAGE NEWS >> NILES-MAINE LIBRARY BOARD

Board looks to make peace with Friends of Library Board voted on Dec. 14, 2016 to keep the proceeds from book sale without consulting Friends of the Niles Library first

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

Eight months after the Niles Public Library Board of Trustees decided to keep the proceeds from the ongoing book sale without consulting the Friends of the Niles Library, the trustees are looking to mend the rifts – or at least find some common ground.

The book sale was originally organized by the Friends of the Library, but over the last few decades, the library staff gradually wound up running every aspect of it. But the proceeds from the sale still went to the Friends, who determined how the money would be spent.

The majority of the trustees argued

that, with the library running the sale for all practical purposes, it made no sense to continue the arrangement, voting on Dec. 14, 2016 to keep the proceeds without consulting the Friends first.

During the Aug. 16 meeting, the trustees decided to start healing the rift. Even if not all of them were sure that the Friends still had a purpose, the clear consensus was that there needed to be more communication between the two organizations. They invited the Friends president to attend the Sept. 20 meeting to have a discussion about the organization’s purpose.

During the Dec. 14 meeting, Library Director Susan Lempke said that the Friends did a lot of good in recent years. They funded the cre-

ation of a sculpture by the library’s main staircase, the fees for Chicago Shakespeare Project performances, as well some programs involving local schools. But she also complained that, since former Niles village trustee Chris Hanusiak became president, the organization became more stingy with funds.

Lempke specifically said that they refused to pay for the retirement party for former library director Linda Weiss, refused to buy travel books and refused to put the bookshelves in the lobby.

By that point, the library collected $22,377 over the course of 2016.

On Dec. 10, the Friends formally

asked for those funds. Lempke herself stayed neutral, saying that she was fine either way.

The majority of the board voted keep the money, with Trustee Carolyn Drblik who serves as a liaison to Friends of the Library, casting the only ‘no’ vote.

At the time, Hanusiak, who previously served as a village trustee, didn’t immediately respond to requests for comment. But on Jan. 6 he e-mailed a statement to the Bugle critiquing the move.

“No member of the Library Board of Trustees nor of the numerous employees spoke to any of the Friends board members,” he wrote.

“Citizens should be aware that the Friends is a private non-profit group not under the control to the Library Trustees nor accountable to them.”

Hanusiak wrote that the Friends felt that spending $5,000 on Weiss’ retirement party was “inappropriate.” Noting that, at the time, there was controversy over Niles Sister Cities funding international travel for Niles elected officials, he wrote that the group decided to err on the side of caution.

“The Friends did not want to be under suspicion for being a pot-ofgold fund to be used for the entertainment and amusement of Trustees and staff members,” Hanusiak wrote.

During the Aug. 16 meeting, the trustees reviewed Friends of the Library’s constitution. Lempke argued that the library’s approach toward the non-profit organization reflects its purpose as described in the document’s Article II – to represent the interests of the library and the community, encourage and support measures that would benefit them, focus public attention on the library’s resources and services, encourage gifts to the library and generally promoting the library’s usefulness.

Board president Karen Dimond SEE FRIENDS PAGE 9

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VILLAGE NEWS >> PARK RIDGE PUBLIC LIBRARY

Library reaffirms place of business policy Board discusses results, intention of policy regarding tutors

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

The Park Ridge Public Library Board of Trustees voted unanimously to approve a slight tweak to the policy regarding individuals who use the library to do business.

In Jan. 16, 2016, the board approved a policy that required anyone who used the library to tutor and otherwise conduct activities that earn income to register with the library and pay a fee. The revision adopted during the Aug. 15 meeting made it clear that the patrons in questions don’t necessarily have to be making money in order to fall under that policy. And while the policy has been controversial since before it was implemented, the trustees said that they were mostly happy with the way it was implemented.

The previous version of the policy stated that it applied to “two or more individuals meeting in the Library in the course of providing or receiving any goods or services for profit.” It defined business organizations as “any individual, trust, estate, sole proprietor, partnership, association, company or corporation, engaged in the occupation of providing goods or services directly to consumers, regardless of whether it is for profit or not-for- profit.”

While business organizations can use the library to do business during regular hours, they must register with the library once a year and pay a $10 an hour fee every time they use the library to conduct business.

They also have to do their business at tables that are specifically labeled as “designated for that purpose.” with the library reserving the right to ask them to move to another location if the staff feels that “it is interfering with the public’s use of the library.”

The revised policy replaced the word “profit” with “compensation.”

The definition of business organizations was tweaked, with the words “for compensation” added between “consumers” and “regardless.”

According to Gretchen Koffkamp, the library’s Manager of Reference Services, the library has found that the vast majority of people who pay the fee more than once are tutors.

“I would say that most adults

who meet for business never come back,” she said.

According to interim co-director Anastasia Daskalos, the change was sparked by a recent incident.

“The teacher [who was] tutoring for no compensation felt that she was chased out of the library and treated unfairly,” she said.

Her fellow co-director Laura Scott said that the library wanted to remove any ambiguity about who the policy applied to – something that board treasurer Michael Reardon felt was a good idea.

“I think it covers the intent better,” he said.

Trustee Char Foss-Eggemann said that, from what she understood, Daskalos’ description of the incident wasn’t quite accurate.

“Just to be clear, the policy was never intended to apply to volunteer tutors,” she said. “And [the teacher] was never chased away – she was asked to move to the tutoring area.”

Trustee Joshua Kiem used the discussion as an opportunity to clear up another area of ambiguity.

“If I come from out of town, do a job interview with someone from Park Ridge [inside the library], would it be considered [doing something for] compensation?”

“Yes.” Daskalos replied.

Board president Patrick Lamp said that, as someone who used to be a tutor when he was young, he was in favor of adding an exception for high-schoolers – though he quickly added that this was something the board could discuss at a later meeting.

“I think it’s great when high school kids tutor other kids,” he said.

Park Ridge Library board launch director search The Park Ridge Public Library voted unanimously during its Aug. 15 meeting to hire Vernon Hills based John Keister & Associates to find a new library director.

Janet Van De Carr, the library director since 2000, retired in June 2017. Since then, Anastasia Daskalos and Laura Scott served as in-

terim co-directors. According to the proposal submitted to the board, the process is expected to take about 3-4 months.

John Keister & Associates, around since 1987, has completed over 300 searches. According to its proposal, founder John Keiser served on the Board of Directors of Chicago area’s North Suburban Library System, and he served as a trustee and president on an unspecified library board.

Board treasurer Michael Reardon said that the board’s Personal Committee looked at three finalists – two of which were based in Chicago area and one is further out.

“We were really impressed with [John Keister & Associates],” he said. “[Keister] has really done his homework. His approach seems to be one that was very collaborative, not just with the trustees but with the staff.”

Reardon also said that he liked the fact that the firm offered a oneyear guarantee – if the director they recommend leaves within a year, they would do another search for free.

The proposal breaks down the search timeline. During the first month, they will meet with the library board, the staff and “other constituencies” to get their take

on what they want in a director, as well as advertise and begin recruiting candidates. During months 2-3 month, they will interview candidates, narrow the field down to 3-5 candidates and present their information to the board. The board would then interview those candidates, with the firm offering advice.

During months 3-4, the board will do the final interviews and do reference checks, and choose a final candidate.

The firm is charging $16,500 for its services, with the library paying $5,500 upfront, another $5,500 when it presents the finalists and the rest when the director is hired.

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GUEST COLUMN

Terrorism for profit No one should have the authority - the power - to declare any war whatsoever

BY ROBERT C. KOEHLER

BY ROBERT C. KOEHLER TRIBUNE CONTENT AGENCY Donald Trump stands cluelessly at the edge of history, exemplifying everything wrong with the past, oh, 10,000 years or so.

The necessity for fundamental change in humanity’s global organization is not only profound, but urgent.

Trump’s latest outburst about North Korea’s nukes - threatening that country “with fire, fury, and frankly power the likes of which the world has never seen before” creates a comic book Armageddon scenario in the media, except, of course, his power to launch a nuclear war on impulse is real.

What this makes clear to me is that no one should have the authority - the power - to declare any war whatsoever. The fact that this is still possible, so many decades into human awareness of war’s utter insanity, reveals the paradox that civilization remains economically tied to its own destruction.

Another icon of this paradox is Erik Prince, immensely wealthy mercenary, notorious founder of the terror organization Blackwater, who had cozy ties to the Bush administration back when the 21st century’s endless wars were just getting underway and now, with another unelected Republican in the White House, has recently made a grab at the business opportunity still represented by these wars: Let’s privatize the quagmire!

Sixteen years on, the war in Afghanistan is the longest in American history, and presently in a state of “stalemate,” according to the mainstream consensus that unquestioningly justifies this country’s ongoing militarism. For instance: “The U.S. can’t win but can’t afford to lose,” USA Today opined in a recent editorial about Afghanistan, inanely demanding that Trump “at least should decide what to do next” and setting the stage for Prince’s business plan, which is to

TRIBUNE CONTENT AGENCY

restructure and privatize the war.

In an op-ed a few days ago in that same publication, Prince wrote: “The option to simply abandon Afghanistan is enticing but in the long run would be a foreign policy disaster. The Kabul government would collapse. Afghanistan would be a rallying cry for global jihadists.”

And suddenly there it was, the American paradox in full splendor: Oh yeah, we’re fighting terrorists.

We have to keep killing people, keep pouring trillions of dollars into our wars, because bad people are out there threatening us because they hate our freedoms. And the guy reminding us of this is the founder of Blackwater, private contractor in Iraq, whose mercenaries were responsible for one of the most shocking acts of lethal aggression - a.k.a., terrorism - of the early years of that war.

Blackwater contractors were accused of “firing wildly into cars stalled in midafternoon traffic at Nisour Square on Sept. 16, 2007, pouring machine-gun bullets and grenades into crowds, including women clutching only purses and children holding their hands in the air,” as the Washington Post reminded us recently.

What you might call American terrorism. It may, at some quasiconscious level be religiously motivated. Indeed, Jeremy Scahill, reporting in 2009 for The Nation on the lawsuit filed on behalf of Iraqis harmed in the Nisour Square massacre, wrote that, according to a former Blackwater employee who testified in U.S. federal court during the trial: “Prince ‘views himself as a Christian crusader tasked with eliminating Muslims and the Islamic faith from the globe,’ and . . . Prince’s companies ‘encouraged and rewarded the destruction of Iraqi life.’ . . .

Furthermore, Scahill wrote, “Mr.

Prince’s executives would openly speak about going over to Iraq to ‘lay hajiis out on cardboard.’ Going to Iraq to shoot and kill Iraqis was viewed as a sport or game. Mr. Prince’s employees openly and consistently used racist and derogatory terms for Iraqis and other Arabs, such as ‘ragheads’ or ‘hajiis.’”

This all fits quite horrifically into the definition of jihadism, or terrorism, but because it’s American, it brings something extra to the table as well. This is terrorism for profit. And it’s been going on for a long time, in a realm far bigger than that occupied by Erik Prince’s business interests. You could call it colonialism, or the domination complex. The world is ours. This is the “greatness” Trump sold to enough Americans to squeeze into the Oval Office.

Not only does he have no patience with a military stalemate in Afghanistan - “we aren’t winning, we’re losing” - but he can’t stand the fact that the shattered country’s mineral wealth isn’t in our hands.

At a recent, well-publicized meeting with his generals, Trump “lamented that China is making money off of Afghanistan’s estimated $1 trillion in rare minerals while American troops are fighting the war,” according to NBC News.

“Trump expressed frustration that his advisers tasked with figuring out how the U.S. can help American businesses get rights to those minerals were moving too slowly, one official said. . . .

“The focus on the minerals was reminiscent of Trump’s comments early into his presidency when he lamented that the U.S. didn’t take Iraq’s oil when the majority of forces departed the country in 2011.”

Trump leads a political system that’s still grounded in the colonial era. His reckless arrogance is its global face. He stares at the audacity of nuclear-armed North Korea and threatens to blow it to kingdom come, imagining that there will be profit to reap in the aftermath.

(Robert Koehler is an award-winning, Chicago-based journalist and nationally syndicated writer. His book, “Courage Grows Strong at the Wound,” is still available. Contact him at koehlercw@ gmail.com, visit his website at commonwonders.com or listen to him at Voices of Peace radio.) (c) 2017 TRIBUNE CONTENT AGENCY, LLC.

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6 SPORTS

Conference: Central Suburban League South Coach: David Inserra (17th season) Record last season: 11-3 overall (4-1 CSL South) Playoff advancement: Class 8A State Champions, finished ranked No. 28 in the nation by USA Today Goals for 2017: We have had five program goals since I started in 2001. Number 1 - Go to college; No 2 - Win the CSL; No. 3 - Be state champs; No. 4 – Be No. 1 in the state; No 5 – Be in the top 25 in the nation The team will reach its goals because: We will outwork our competition on and off the field while having fun.

Conference outlook: We want to win it and re-earn what we lost last year.

On offense: Northern Illinois University commit Fotis Kokosioulis (4,000 all-purpose yards in two years) is back as well as WR Cam Stacy (38 catches, 640 yards,

THURSDAY, AUGUST 24, 2017 | BUGLENEWSPAPERS.COM

five TDs) and WR Rory Hayes.

John O’Sullivan takes the reigns at QB behind a good sized but raw offensive line.

On defense: We are not big but quick and fast. We will have to run to the ball and limit big plays.

Jonny Halvorsen (NG), Cam Stacy (FS), Rory Hayes (OLB) and Andrew Masterson (MLB) all return as starters.

On special teams: We must replace (Sean McNulty, one of the most prolific K/P/PK in Illinois high school history. His career 30 FGs and 187 PATs will be missed.

He will kick at Army West Point this year.

Impact players lost from last season: All-Stater Sean McNulty (P/K/PK/RT/DE), Kevin Jarvis (LG/NG), All-State QB Nick Leongas and leading tackler Mike Pusateri Impact returning players: Fotis Kokosioulis (Senior, RB), Cam Stacy (Senior, WR/FS), Rory Hayes (Senior, WR/OLB) Impact newcomers: Tom Yager (Senior, OL), Peter Skoronski

FILE PHOTO

Fotis Kokosioulis and Maine South look for a repeat run at a title.

AlL pReViEwS cOmPiLeD bY MaRk GrEgOrY wItH iNfOrMaTiOn aNd cOmMeNtS fRoM cOaChEs. AnY qUeStIoNs/cOmMeNtS pLeAsE eMaIl MaRk aT mArK@bUgLeNeWsPaPeRs.cOm

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SPORTS

Conference: East Suburban Catholic Conference Coach: Mike Hennessey (31st season) Record last season: 6 -4 overall (5-2 ESCC) Playoff advancement: Lost 34-0 to Palatine in first round Goals for 2017: Have a good start, battle in conference and earn a spot in the state playoffs The team will reach its goals with: Great preparation and hard work Conference outlook: We feel we will be in the hunt On offense: We have three returning offensive linemen in senior Brian Beran, senior Fred Proesel and senior Brian Okrasinski.

There are two returning running backs in junior Ty Gavin and senior Miles George and returning wide receiver in senior Ray Neylon.

A pair of seniors, last season’s

THURSDAY, AUGUST 24, 2017 | BUGLENEWSPAPERS.COM

starter Tom Drabik and Luke Schutt, battled at quarterback.

On defense: There are two returning defensive linemen in seniors Massimo Taibi and Brandon Greifelt, one returning defensive end in Kyle Gallagher, one returning linebacker in Mario Olivella and one returning defensive back in Jake Martin On special teams: It is a work in progress with junior kicker/ punter Danny Simon Impact players lost: Thomas Hackett (LB), Lucas Polokow (LB), Michael Valdez (DB), Greg Burnett (DB), Anthony Saro (OL), Mike Dato (OL), Connor Sullivan (OL) Impact returners: Zaid Khan (Senior, DL), Brenden Schnoor (Senior, LB), Patrick Carden (Junior, LB), Kevin Culen (Senior DB), Koleman Ficht (Senior, DB), Jeremy Calder (Senior, RB/LB), Nick McManamon (Senior, WR)

FILE PHOTO

Ty Gavin returns at running back for the Dons.

Conference: Central Suburban League South Coach: Jesse Pierce (1st year) “I am very excited to be a part of the Niles West program and community,” said Pierce, who was an assistant with Wheaton St. Francis, coaching on its 2008 state title team. “So far, the best thing about the job is getting to know the kids.

We have already been able to build lasting connections and relationships with the players which will be critical as we create our culture.”

Record last season: 4-5 overall (1-4 CSL) Goals for 2017: Our primary goal is to try to get better every day.

We need to focus on execution and making sure that everything we do is done efficiently.

The team will reach its goals if: We will stress situational prepa-

FILE PHOTO

Niles west has to replace dial threat QB Juhnny Pabst.

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ration in practice. We try to simulate game like situations as much as possible.

Conference outlook: Obviously, the conference is very tough.

We feel like the CSL South might be the most difficult weekly challenge in the state of Illinois. We hope to rise to that weekly challenge and put ourselves in a position to make a run at the playoffs.

On offense: We will try to keep things balanced and maintain our efficiency. We want to make sure that all three phases are working together.

We are excited to have some people that are ready to compete this season.

On defense: We are going to try to be a program that stresses playing team defense and believes in tackling well. We want to be opportunistic and control the

Conference: Central Suburban League North Last Year’s Record: 1-8 overall (0-5 CSL North) Coach: Scott Smith Impact players lost: Leo Acevedo, Marc Ezop Impact returners: Julio Cabrales (RB), Chris Marino, Joshua Devitt.

Impact newcomers: Junior transfer Zion Lopez (6-6 and 340 lbs.) from Roosevelt High School in Chicago.

turnover margin throughout the season.

On special teams: Our mantra is “special teams are played by special people.” We want to win the third phase each week by making sure that we have people committing to selling out in the kicking game.

Impact players lost: John Pabst (QB), Matt Galanopoulos (WR,TB,CB), Matt Metz (WR,FS), Greg Leftakes (WR), Dan Gomez (OL/DL), Chris Adams (OL/DL) Impact returning players: Jaylen Bryant (Senior, OL/DL), Hayden Kipp (Junior, OL/DE), Davion Lewis (Senior, CB/TB), Joe Park (Senior, LB), John Trinh (Junior, LB), Brendan Micor (senior, WR) Impact newcomers: Corbin Repique (Junior, TB/WR), William Shemroske (Senior, QB)

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TAKE 5

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ARIES

MARCH 21 TO APRIL 20

Don’t make things more difficult than they need to be.

There’s no need to tire yourself out trying to swim when floating with the current will get you where you need to go. It won’t take much effort to gain momentum this week.

GEMINI

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

Do unto others as you would have them do unto you.

It may be possible to take complete advantage of a situation but others may not appreciate it. In the week ahead find a solution in which everyone involved benefits.

LEO

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

Pace yourself. Take your time when tackling tough jobs as chipping away at the task a little bit at a time could preserve your stamina. Being in too much of a hurry to get things done this week leaves the door open for silly mistakes.

ACROSS 1 BACKTALK 4 WENT INTO SECOND, IN A WAY 8 ENERGY UNITS 14 SHE PLAYED MIA IN “PULP FICTION” 15 MACKEREL RELATIVE 16 OPPOSITE OF DOWN 17 AWOL PURSUERS 18 SHAQ 20 COMBAT 22 LONG, ON LANAI 23 HI, ON LANAI 24 SHEIK 30 EXCEPTIONAL 31 TEAM MEMBERS 32 “DARKNESS AT __”: ARTHUR KOESTLER NOVEL 33 FORTRESS OF SOLITUDE STATUE HONOREE 35 FORMAL ASSESSMENT 37 SCHICK 41 CALLS UP 42 PIP 43 MUDVILLE NUMBER 44 2015 EMMY WINNER FOR OUTSTANDING WRITING FOR A COMEDY SERIES 45 WHEELS 49 SHOCK 52 HARDLY A SOCIALITE 53 IT MAY BE HUMBLY HELD IN HAND 54 STUMBLE 55 SHUCK 61 NIXON ADMIN. CREATION 62 __ EFFECT 63 ISRAELI WRITER OZ 64 NOTHING BUT __ 65 CHURCH SYMBOLS 66 NOT FOR HERE 67 HELICAL STRANDS

DOWN 1 LIKE THE VERTEBRAE DIRECTLY ABOVE

THE PELVIS 2 1958 CHEVY DEBUT 3 SERMON GIVER 4 INSCRIBED STONE 5 ELEGANCE 6 COMFORT __ 7 TOUCH 8 BIBLICAL TWIN 9 LARGE AMOUNT 10 “THOU,” IN THE KEATS LINES “WHEN OLD AGE SHALL THIS GENERATION WASTE, / THOU SHALT REMAIN ... A FRIEND TO MAN” 11 BUILDING SITE 12 END OF MUCH LANGUAGE? 13 KAZAKHSTAN, ONCE: ABBR. 19 LATE ACTOR RICKMAN 21 1989 JACK NICHOLSON ROLE 24 DOUBLE __ 25 MARK DOWN, PERHAPS 26 KEEPING THE BEAT? 27 SECURE, AS A ROOM 28 PAST WISDOM 29 __’ACTE 31 MARS AND OTHERS

34 35 36 37

VEIN YIELD GET AS A RETURN AUSSIE RUNNER NEVADA CITY ON I-80 38 TEL __ 39 DEFENSE CHOICE 40 CONSIDER 44 DACHSHUND DOCS 46 PLAN 47 BECOME MORE HEARTFELT 48 PRINTING PROBLEMS 50 __ MILK 51 LAST RECONSTRUCTION PRESIDENT 52 RODEO ROPE 54 ONE THAT MAY BE TRANSFORMED BY A KISS? 55 SCENES OF MANY STITCHES: ABBR. 56 KNIGHT SUPPORTER? 57 PREFIX WITH GENETICS 58 “ALL THINGS CONSIDERED” HOME 59 MANY A PRO ATHLETE’S PRIDE 60 ROCK GENRE

LIBRA

SEPTEMBER 24 TO OCTOBER 23

Rise to the occasion. Approach the tasks on your checklist with enthusiasm and your slate will be wiped clean before you know it. Don’t be apprehensive if a loved one tries something different to get your attention this week.

SAGITTARIUS

NOVEMBER 23 TO DECEMBER 22

Accentuate the positive. You’ll never progress if you focus on the negatives of an issue. Put your energy into what you know will work as the week unfolds. Keep in mind that others are monitoring your performance.

AQUARIUS

JANUARY 21 TO FEBRUARY 19

Follow your whims. Do what feels right or pleasing to you this week even if it may not be practical. A friend or loved one may provide encouragement if you your imagination run wild and conjure an artistic creation.

SUDOKU

TAURUS

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

You can get farther with honey than with vinegar. A soft, tender approach may be what it takes to get a loved one to open up about their troubles this week. Don’t let rust set in; find constructive ways to utilize free moments.

CANCER

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

Cooperation is key. Finding someone who shares your enthusiasm and passion for a project will make the task that much easier. Making a minor sacrifice could create goodwill and help ease a stalemate this week.

VIRGO

AUGUST 22 TO SEPTEMBER 23

Tag along for the ride. Pay attention when others offer advice and follow their lead when they take you into new and unexplored territory. Allow someone else to do the driving and you may gain valuable knowledge this week.

SCORPIO

OCTOBER 24 TO NOVEMBER 22

Don’t let dog days get you down. Plan a poolside barbeque with friends or take in an air conditioned movie to beat the summer heat. Ask for advice when faced with decisions regarding business and finances this week.

CAPRICORN

DECEMBER 23 TO JANUARY 20

Don’t beat around the bush. Being hesitant or over thinking could work against you, so just follow your gut instinct and go for it. Maintain an open mind about a romance this week and you could be pleasantly surprised.

PISCES

FEBRUARY 20 TO MARCH 20

Winning isn’t everything. In the week ahead remember that the most important thing about competition is to have fun and enjoy yourself. If it could, your body would thank you for some quality time out in the fresh air.

JUMBLE

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PREVIOUS PUZZLE’S ANSWERS

PREVIOUS PUZZLE’S ANSWERS

PREVIOUS PUZZLE’S ANSWERS

JUMBLES:

• WEARY • BUILD • GENTLE • ENZYME

ANSWER:

THEY BOUGHT THE DISCOUNTED SUNGLASSES AFTER SEEING THAT THEY WERE -- “EYE-DEAL”

BUSINESS + REAL ESTATE

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COLUMN >> DAVE SAYS

Avoid home improvement debt

DEAR DAVE, I’m debt-free except for my home, and I’m considering having solar panels installed on the roof of the house. It would cost about $27,000. I have $80,000 in savings, but the company doing the installation will finance it all for just one percent interest. It’s almost like free money. My electric bills average around $310 a month, and I thought this would be a good way to save money in the long run.

What do you think?

MICHAEL DEAR MICHAEL, If you have to finance the project, my answer is no. My guess is the break-even analysis you’re trying to give me is the sales pitch your solar panel company gave you. That’s how they sell solar panels, but it doesn’t justify going into debt.

You told me you have around $80,000 in savings right now. Why not just write a check? Let me ask you a question. What if you could

FRIENDS FROM PAGE 2 wondered if Friends of the Library still serve a useful purpose.

“Friends has been a long-standing organization,” she said “I wonder if they do something the library doesn’t do.”

Dimond noted that the library runs the books sale and organizes volunteers – both something that the Friends were originally responsible for.

Meanwhile, Drblik urged fellow trustees to reach out to the Friends.

“Could we introduce some dialog, so there wouldn’t be such a contentious relationship here,” she said.

Board treasurer Tim Spadoni, who attended the meeting by phone, noted that, according to its constitution, presidents of the Friends of the Library are supposed to come to the board meetings to give regular reports.

borrow $10 million at one percent interest and put it in the stock market? Would you do that? Of course, not. It would be way too risky, right? Basically, we’re talking about the same kind of thing. I made you feel the risk by scaling things up in my scenario. You’re not feeling the risk right now because we’re talking about $27,000 instead of millions.

This move wouldn’t bankrupt you, but wealthy people don’t do the kind of thing you’re talking about. Either pull the money out of your savings account and buy the panels, or don’t buy them at all!

—DAVE DEAR DAVE, I make $48,000 a year, and I have $35,000 in credit card debt. I owe $25,000 on my home, and I was thinking about taking out a loan against my house to pay off the credit cards. Is this a good idea?

MIKE DEAR MIKE, I would never advise anything like this, unless it’s to avoid bankruptcy. Here’s the problem with that kind of plan. Most people who do that kind of thing don’t change their financial habits. In fact, they end up with a new mortgage and new credit card debt somewhere down the line.

You need to start building a track record of paying off debt. Cut up the credit cards, slash your spending,

It should be noted that the constitution doesn’t go as far as requiring board meeting attendance.

Rather, it simply says that one of the duties of Friends’ president is to “serve as the primary channel of communication with the Library Administrator, staff and Library Trustees.”

Trustee Dennis Martin felt that inviting Hanusiak might be a good idea. He could talk to the board about what the Friends do that the library isn’t doing and what they see their purpose.

Trustee Patti Rozanski agreed that more communication would be useful.

“It will be nice to have a representative of our group at their group [meeting] and representative of their group at our group [meeting],” she mused.

In the end, the trustees agreed to extend the invitation to Hanusiak.

and start living on a tight, written, monthly budget. Prove to yourself that you’re not going to take out a mortgage and turn around and run up a bunch of new credit cards.

I want to see you not take on any new debt and reduce that $35,000 credit card bill dramatically over the next six months. If you can knock out half of it in a year, you

can take care of the other half in another year or less. Then, you wouldn’t need a second mortgage!

—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 13 million listeners each week on 585 radio stations and multiple digital platforms.

Follow Dave on the web at daveramsey.

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SENIORS CALENDAR ONGOING Garage Sale Vendors Wanted.

Maine Township seeks vendors for its Sept. 23 annual community garage sale. Spaces, which are eight by sixteen feet, are $25 each. Premium outdoor spaces are $30. Table rentals are available for $10. Four premium indoor spaces inside the garage are $75 and include a table. All spaces are sold on a first-come, first served basis. For more information or to make a donation, call Anne Camarano at 847-297-2510, Ext. 272 or email her at acamarano@mainetown.com.

August 25 – 27 Skokie’s Backlot Bash. Oakton

Street, between Lincoln and Laramie avenues. 6-10 p.m., Friday 11 a.m.10 p.m., Saturday and noon-8 p.m.

Sunday. Features hours of live music, a large carnival midway, kids activities, a classic auto show, bingo, a beer tent, farmers market and more. Main stage music acts include A Flock of Seagulls, Soul Asylum and Tributosaurus becomes R.E.M. Admission is free. For more info, go to www. backlotbash.com.

AUGUST 26 Morton Grove Farmers’ Market.

8 a.m.-noon, at 6210 Dempster St., Morton Grove. The Morton Grove Farmers’ Market strives to be a local, producer only Market. All items must be home-grown, handmade, and/or vendor-created from locally-owned operations.

AUGUST 27 Summer Family Concerts. 2:30-

3:15 p.m. at Prospect Park, 733 N. Prospect Avenue, Park Ridge. Istvan & His Imaginary Band get the kids rocking and joining in.

SEPTEMBER 1-4 Feast of Maria Santissima Lauretana. Friday-Monday in Niles. The

century-old Feast of Maria Santissima

NEWS ABOUT ACTIVE SENIORS IN THE COMMUNITY THURSDAY, AUGUST 24, 2017 | BUGLENEWSPAPERS.COM

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U P CO M I N G E V E N T S I N YO U R A R E A

Lauretana is a faith-based celebration whose proceeds benefit the parish and its schools. The four-day event features an opening prayer ceremony, mass in honor of the blessed Mother, a procession of the torches, a night and afternoon flight of the angles, food, rides, games, entertainment, fireworks (Sept. 3) and a closing ceremony. mariasslauretana.com

SEPTEMBER 1 Cruisin’ Park Ridge. 20 St. Pros-

pect Ave., Park Ridge. Come out for our last car show of the season!

Guests will enjoy live music, food, beverages, activities for kids, FREE admission and of course cars, cars, and more cars! Tainted Jake will perform all night long! Have a cool, classic car you’d like to show off? It’s free to exhibit your car too! *If you would like to sponsor the show, please contact info@parkridgechamber.org.

SEPTEMBER 2 Park Ridge Farmers’ Market. 7

a.m. until 1 p.m. from May 27 to October 28, at 15 Prairie Avenue, between Main amd Garden. Celebrating its 26th anniversary, the Park Ridge Farmers’ Market features fresh seasonal produce, interesting packaged goods, Sprouts Kids Tent activities and live music. Now accepting SNAP and Illinois Link cards.

Morton Grove Farmers’ Market.

8 a.m.-noon, at 6210 Dempster St., Morton Grove. The Morton Grove Farmers’ Market strives to be a local, producer only Market. All items must be home-grown, handmade, and/or vendor-created from locally-owned operations.

SEPTEMBER 4 Labor Day Regatta. 1:30 – 4 p.m.

Lake Park Golf Course & Marina, 1015 Howard Avenue. The Park District is pleased to sponsor the always popular Annual Labor Day Regatta.

Please call the crew at the Lake Park

Clubhouse for information 847-3915730. Membership is not required to participate. SEPTEMBER 9

ing of what it means to be a police officer and a better understanding of how local law enforcement works.

8 a.m.-noon, at 6210 Dempster St., Morton Grove. The Morton Grove Farmers’ Market strives to be a local, producer only Market. All items must be home-grown, handmade, and/or vendor-created from locally-owned operations.

SEPTEMBER 15-17 Fall Fest. Friday-Sunday. Lake Park

Morton Grove Farmers’ Market.

SEPTEMBER 9 Junk in the Trunk. 8 a.m. - 4 p.m.

Park Ridge Park District Centennial Activity Center 100 S. Western Ave. Park Ridge, Community-wide special event, benefiting S.T.A.R. This is a twist on the old garage sale! Load up your trunk and sell your “stuff” from the back of your vehicle. You bring the “junk” we bring the people! Just drive up and sell. Vendor fee is $25 for Park Ridge residents, $30 for non-residents.

Vendors will be assigned one parking spot and lot will be marked for additional selling space near the trunk.

Event will run rain or shine. Must pre-register! (Cars/Trucks/Vans Only) Registration deadline: SEPTEMBER 5. prparks.org/Events

SEPTEMBER 10 Celtic Art Silent Auction. Noon-4

p.m. at St. Martha Catholic Church, 8523 Georgiana, Morton Grove. Silent auction of the Celtic Art works of Irish artist Courtney Davis. Also included for bidding are works of other artists and collectible dolls. Questions, call 847 965-02562.

Citizens Police Academy. 6:30-9 p.m. at Village of Niles Police Department, 7000 Touhy Ave., Niles. The Citizens Police Academy is open to Niles residents and owners or employees of businesses within the Village of Niles, 21 years of age or older. When you have completed the academy you will have a better understand-

in Des Plaines. This weekend event has something for everyone including: live entertainment, food, beer, wine garden, beverages, kidzone, kids entertainment activities, arts and crafts, pony rides, live animal show, car show, fishing derby, bags tournaments, carnival, country fair tent, and more. fallfestdesplaines.com

SEPTEMBER 16 Park Ridge Farmers’ Market. 7

a.m. until 1 p.m. from May 27 to October 28, at 15 Prairie Avenue, between Main amd Garden. Celebrating its 26th anniversary, the Park Ridge Farmers’ Market features fresh seasonal produce, interesting packaged goods, Sprouts Kids Tent activities and live music. Now accepting SNAP and Illinois Link cards.

Fall Arts & Crafts Adventure, 9 a.m,-5 p.m. Hodges Park, 101

S. Courtland, Park Ridge. This 27th annual event features paintings and photography, artwear, handcrafted candles, glass arts, woodcrafts, jewelry in a variety of mediums and much more from artists and craft artists of American Society of Artists. Free admission. Visit www.americansocietyofartists.info for more information.

Morton Grove Farmers’ Market.

8 a.m.-noon, at 6210 Dempster St., Morton Grove. The Morton Grove Farmers’ Market strives to be a local, producer only Market. All items must be home-grown, handmade, and/or vendor-created from locally-owned operations.

SEPTEMBER 21 Classic Car Cruise Night. 5 p.m.

– 9 p.m. Golf Mill Shopping Center.

Take a trip down memory lane during our monthly Classic Car Cruise Night. Join us in the parking lot along Milwaukee Avenue between Panera and XSport Fitness on Thursday, Sept.

21, from 5-9 p.m. for family-friendly evening of classic cars, golden oldies, and nostalgic stories of the “good ol’ days!” This event is FREE to cruisers and spectators. Show car parking

opens at 5:30 p.m., with reserved parking for over 50 cars. This event is open to classic, antique, custom, and exotic cars, trucks, and motorcycles.

Bring a chair, your camera, your stories, and smiles! There will be raffles, prizes, and more.

SEPTEMBER 23 Park Ridge Farmers’ Market. 7

a.m. until 1 p.m. from May 27 to October 28, at 15 Prairie Avenue, between Main amd Garden. Celebrating its 26th anniversary, the Park Ridge Farmers’ Market features fresh seasonal produce, interesting packaged goods, Sprouts Kids Tent activities and live music. Now accepting SNAP and Illinois Link cards.

Morton Grove Farmers’ Market.

8 a.m.-noon, at 6210 Dempster St., Morton Grove. The Morton Grove Farmers’ Market strives to be a local, producer only Market. All items must be home-grown, handmade, and/or vendor-created from locally-owned operations.

SEPTEMBER 30 Park Ridge Farmers’ Market. 7

a.m. until 1 p.m. from May 27 to October 28, at 15 Prairie Avenue, between Main amd Garden. Celebrating its 26th anniversary, the Park Ridge Farmers’ Market features fresh seasonal produce, interesting packaged goods, Sprouts Kids Tent activities and live music. Now accepting SNAP and Illinois Link cards.

Morton Grove Farmers’ Market.

8 a.m.-noon, at 6210 Dempster St., Morton Grove. The Morton Grove Farmers’ Market strives to be a local, producer only Market. All items must be home-grown, handmade, and/or vendor-created from locally-owned operations.

OCTOBER 7 Park Ridge Farmers’ Market. 7

a.m. until 1 p.m. from May 27 to October 28, at 15 Prairie Avenue, between Main amd Garden. Celebrating its 26th anniversary, the Park Ridge Farmers’ Market features fresh seasonal produce, interesting packaged goods, Sprouts Kids Tent activities and live music. Now accepting SNAP and Illinois Link cards.

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