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Wednesday, October 16, 2013


Vol. 18 No. 45


secluded wooded parcel in Shorewood is the DuPage River’s very own lost and found. Countless items—including a deck and hot tub— washed away in April’s flooding have piled up on private property along the river and east of Valencia Drive. Shorewood Village Administrator Roger Barrowman said the river jogs to the east at this point, which becomes a natural place for debris floating downstream to pile up. The pile measures about 12 feet high and 40 feet wide, creating what Mayor Rick Chapman called “the Hoover Dam.” “It definitely will cause problems back there if we don’t get it out of there,” he said.

QUICK FACT The debris removal is estimated to cost $50,000

See TROUBLE, page 23

New stop sign at Brookshore and Deerwood By Stewart Warren For the Sentinel

Motorists, beware: New stops signs soon will be added on Brookshore Drive at Deerwood Drive. Stop signs already are posted on Deerwood Drive, so the new ones will turn the intersection into a four-way stop. Once the new signs are installed, Shorewood police

will be watching the area to make sure drivers follow the law. The members of the Shorewood Village Board voted unanimously during their Oct. 8 meeting to add the signs, and they’ll be installed within the next two weeks. As they discussed the issue, the trustees mentioned their ongoing concerns about safety at the intersection. In that section of Brookshore Drive, there is

an S-shaped curve. The street is narrow and lined with drainage ditches. Sidewalks haven’t been installed, so there is little room for pedestrians. The area can be a little dangerous, Mayor Rick Chapman said after the meeting. “One of my neighbors was clipped in the elbow there while pushing a stroller,” the mayor said. And a survey of traffic showed

drivers sometimes disobey the law while traveling through the area.“The speed limit is 25, but the average speed is in the low 30s,” said Bryan Welch of Christopher B. Burke Engineering. In the future, money should be put aside each year to do something about that curvy stretch of Brookshore Drive, Trustee Jim McDonald said. “I think we need to solve the long-

range problem,” he said. But the drainage ditches and utility lines would make it an expensive fix,Welch said. “It is not cost effective,” he added. Trustee Dan Warren wondered if a speed bump, hump or table might be a helpful addition, and the trustees discussed the possible benefits and liabilities of installing one of the traffic control devices.




5 MCHS students sign up to be organ donors Five Minooka Community High School students in Johnna Franklin’s Discovery Health class recently registered as organ donors through Donate Life after learning about the impact of organ donation during a course unit. “By these students signing up, as many as 125 lives can be saved,” said Franklin. “There are 4,700 people in Illinois alone who are in need of an organ, and there are over 100,000 people who are in need across the United States.” After the unit concluded and students had the option to sign up as donors, MCHS Director of Community Relations Dave DiLorenzo visited the class and shared the story of his 11-month

old niece, Madie, who was the recipient of a heart transplant last January. “For a lot of people, the concept of organ donation is a very straightforward,and possibly even scary thing,” DiLorenzo said. “But for people who have experienced either being in need of an organ or being close to someone who is in need of an organ, there is so much more to it. I wanted Ms. Franklin’s students to hear about what my brotherin-law and sister-in-law’s lives were like and the things they experienced as they waited for a heart for their baby daughter. “There are countless emotional aspects to this. It not only brings a new perspective to things for the students, but I hope it also showed them how impactful such a selfless act such as organ donation can be.” Prior to her birth, DiLorenzo’s

niece was diagnosed with Hypoplastic Left Heart Syndrome, which occurs when parts of the left side of the heart do not develop completely. Only hours after she was born at 36 weeks under fetal distress, Madie was transported to Children’s Hospital of Wisconsin, where she was supposed to undergo the first of a series of three open heart surgeries to manipulate her two functioning chambers. However, an echocardiogram revealed her heart muscle was not strong enough to carry the eventual burden of these surgeries, so Madie was placed on the heart transplant list on Friday, Oct. 26, 2012, and remained at Children’s Hospital of Wisconsin. From the day she was born, Madie lived at Children’s Hospital of Wisconsin, while her See ORGAN, page 3


Schmidt moves to village post By Stewart Warren For the Sentinel

You could call her the boss of fun. Denise Schmidt is now in charge of planning recreational activities for the village of Shorewood. The members of the village board voted unanimously during their Oct. 8 meeting to hire her for the job. She began her duties Oct. 9, Mayor Rick Chapman said. Schmidt did not attend the meeting.

For the past year, Schmidt served as the president of the Shorewood Chamber of Commerce. She worked on several recent events, including the car show held on Sept. 28. Her last day in the chamber office was Oct. 4. “She will be busy, no doubt,” Chapman said. “She is a dynamo. We are lucky to have her.” As a village employee, Schmidt will be paid $40,000 a year, Chapman said. She will not have a benefits package, however. She will plan bus trips, events

at Shorewood’s parks and other inexpensive and family-friendly activities. Schmidt also will take over the duties once handled by Linda McCluskey, the village’s former Parks and Recreation Supervisor. McCluskey’s position was eliminated in September, the mayor said. “We wish (McCluskey) well in her future endeavors,” Chapman said. Shorewood has three large parks and playgrounds for small children are scattered throughout the village.

ORGAN Continued from Page 2 mom, Marcey, spent most days by her side and most nights at Milwaukee’s Ronald McDonald House, and her dad drove back and forth each day between Mundelein and Milwaukee so he could work and care for Madie’s older siblings, Matthew and Molly. Since receiving her heart on Jan. 29, 2013, Madie has done very well and is living at home. “The students were truly inspired by (his) words,” Franklin said. “More kids said


they will make it a priority to sign up and a lot of kids said they were going to share his niece’s story with their parents and try to get them to also sign up. I think it really brought the whole topic into perspective for them.” 300 people in Illinois and 7,000 people across the United States die each year waiting for an organ transplant. Every 11 minutes a new name is added to the national transplant waiting list. To learn more about organ donation or to register as a donor, visit www.donatelife. net.




Filipiak to run for judge Tina Filipiak, a 21-year Pour House, 1511 Plainfield veteran of the Will County Road, in Joliet. State’s Attorney’s, Local law enforcement is running for Will and the county’s top County Circuit Judge. prosecutor have already Filipiak is hoping backed Filipiak. She has to take the bench received endorsements in the county’s 2nd from Will County State’s Subcircuit, a seat Attorney James Glasgow, elected by voters the Fraternal Order of in Troy and Joliet SUBMITTED PHOTO Police, Joliet Lodge #58 townships and parts and the Will County of other townships. The Deputy Sheriff’s Union. Democratic primary election “I am very thankful that the will be held in March 2014. police unions and Will County Filipiak’s experience and State’s Attorney James Glasgow commitment to making Will trust in my abilities to do this County a better community job well,” Filipiak said. drove her to the decision to Filipiak joined the Will County run for judge. State’s Attorney’s office in 1992, “I have been working hard and one year later, Glasgow protecting the children of Will appointed her Supervisor of County for over 21 years and the State’s Attorney’s Juvenile trying to make the communities Division. Filipiak supervises all safer through effective prosecutions involving minors prosecution of crime,” she said. in Will County including the “I am hopeful that the people Juvenile Drug Court program of the 2nd Subcircuit recognize which helps young people my dedication and allow me cope with addictions to illegal to continue that mission as a drugs and assists them with Circuit Court Judge.” education and counseling. Filipiak will kick-off her Filipiak also supervises the campaign October 24 at Fritz’s prosecution of those who

perpetrate abuse and neglect of Will County’s children striving to ensure that the children are safe and protected. In 2010, Filipiak was named “State’s Attorney of the Year” by the Illinois State Crime Commission for her work as a Will County Assistant State’s Attorney. “The best judges are those that know that what happens in the courtroom is not about the judge but the litigants in each case,” she said. “No matter how big or small the case may seem, that case is important to the parties, perhaps the most important thing in their lives at the time, and the issues deserve a fair judge who will listen to all sides and make a decision based on the law.” Filipiak is a graduate of St. Norbert College in DePere, Wisc. She earned her Juris Doctor from Hamline University School of Law in St. Paul, Minn. She resides in Joliet with her husband, Shawn Filipiak, a Joliet Police Detective, and their young daughter.


A Cleaner City Joliet Job Corps Manager Antione Edwards of Joliet, right, admires the handiwork of student Dayante Moden of Oblong as they work together to stencils storm drains on Joliet’s East Side. The stencils say in English or Spanish“No Dumping, Drains to Waterway,” with either a fish or cup of water on them. This is part of a continuing project by the City of Joliet

to ensure stormwater runoff doesn’t pollute local streams, creeks, rivers and lakes. This is the third year Joliet Job Corps students have participated in this project. For the next three weeks, students will paint more storm stencils, part of a month-long pledge to help the community during Make A Difference Day activities. Make a Difference Day is Oct. 26.


Foreclosure Prevention Workshop Scheduled for Will County residents Officials will be in attendance to provide assistance State senators Jennifer Bertino-Tarrant, D-Shorewood, and Pat McGuire, D-Joliet, will host a foreclosure prevention workshop from 9 a.m. to 1 p.m. Saturday, Oct. 26, at Lewis University, Building 11 (One University Pkwy, Romeoville. State representatives Natalie Manley, D-Joliet, Tom Cross, R-Plainfield, Larry Walsh Jr., D-Elwood, and Emily McAsey, D-Romeoville, will be cohosting the event. The Illinois Foreclosure Prevention Network coordinates this effort with the Illinois Department of Financial and Professional Regulation and the Illinois Department of Employment Security in

Homeowners interested in attending the event should bring the following documentation in order for IMRP to best serve them: • Budget of household expenses • Documentation of other income • Two months of recent bank statements • Recent Utility Bill • Profit/Loss, if self-employed • Mortgage Statement • 2010 & 2011 W-2 & tax return • Copy of rental agreement, if necessary • 2 months of recent paystubs

order to provide a vast array of resources available at these workshops. To register in advance for the event,for more information or to receive immediate foreclosure

prevention assistance, call IDFPR’s toll-free consumer hotline (800) 532-8785 during regular business hours or visit or www.ihda. org.





Police Blotter


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The following items were compiled from the official reports of the Joliet Police Department. Appearing in the police blotter does not constitute a finding of guilt, only a court of law can make that determination.

Joliet 1

Steven L. Davis, 27, 466 Water, was arrested at 5:15 p.m. Oct. 4 at that address for Harassment by Telephone. Efren R. Reyes, 48, 345 Emery Ave., Romeoville, was arrested at 1:58 p.m. Oct. 4 at 50 E. Jefferson for Liquor on Public Way. Jesus Hernandez-Patino, 28, 610 Palomino Drive, Plano, was arrested at 12:35 p.m. Oct. 4 at 3340 Mall Loop Drive for Criminal Trespass to Property. Joseph M. Fischer, 33, 4401 Timber Ridge Court, was arrested at 12:54 a.m. Oct. 4 at 4417 Timber Ridge Court on an Out Of Town Warrant and on two counts of Resist/Obstructing a P.O. Bruce D. Connolly, 47, 2112 Litchfield Court, was arrested at 6:22 a.m. Oct. 4 at that address for Aggravated Domestic Battery. Bryan M. Ellen, 18, 211 Sheridan, was arrested at 11:48 p.m. Oct. 4 at 224 E. Cass for Obstructing a P.O.







Donald C. Ekhoff Jr., 39, 271 S. Anderson Road, New Lenox, was arrested at 10:26 a.m. Oct. 4 at Washington and Schorie for Battery, Criminal Damage to Property and Theft, and on a Will County Warrant. Glenn R. Pemble, 55, 24450 W. Park River Lane, Shorewood, was arrested at 8:43 p.m. Oct. 4 at Jefferson and Mary for DUI- Alcohol. Dominique N. Bouie, 24, 1501 Pioneer, Crest Hill, was arrested at 3:25 a.m. Oct. 4 at 316 N. Bluff for Criminal Trespass to Real Property. A. Crowder Jr., 10 Michael 20, 363 N. Broadway, was arrested at 11:16 a.m.Oct.5 at that address on a Will County Warrant and for Unlawful Delivery of a Controlled Substance. Cardenas, 49, 110 11 Nalbert Mills Road, was arrested at 9:46 a.m. Oct. 5 in the 2200 block of West Jefferson for Battery. Akoto, 24, 1637 12 Christopher Fordham St., Bolingbrook, was arrested at 5:07 a.m. Oct. 5 at Caton Farm and Essington for Possession of Cannabis. S. Gunia, 29, 1527 13 Jennifer Marquette Road, was arrested at 2:10 p.m. Oct. 5 at 1401 W. Jefferson for Leaving Child Unattended in Motor Vehicle. A. Calderon, 21, 14 Jose 237 Northridge Ave., Bolingbrook, was arrested at 9:39



p.m. Oct. 5 at 6 McDonough on a Will County Warrant and for Possession of Cannabis. L. Black, 26, 813 15 Joshua Glenwood Ave., was arrested at 5:20 p.m. Oct. 5 at 1776 McDonough for Unlawful Delivery of a Controlled Substance. L. Gordon, 40, 909 16 William Juniper Ave., was arrested at 6:15 p.m. Oct. 5 at Juniper and Fairmount on an Out Of Town Warrant and for two counts of Resist/Obstruct a P.O. And Possession of Cannabis W/ Intent. M. Cockcream, 17 Stephanie 32,251 Marble,was arrested at 2:40 p.m. Oct. 5 at that address for Battery and Criminal Damage to Property. A. Michalek, 40, 270 18 Lorie Se Frontage Road, was arrested at 10:15 a.m. Oct. 5 at that address for Domestic Battery and Resist/Obstruct a P.O. K. Harris, 33, 1112 19 Kenneth Arthur Ave., was arrested at 1:41 a.m.Oct.5 at 1400 Fairmount for Aggravated Assault. A. Eidsmoe, 24, 20 Nichole 2428 Rocky Hill Circle, was arrested at 10:55 a.m. Oct. 6 at that address for Domestic Battery. P. Ramirez Jr., 21 Howard 53, 803 Elizabeth, was arrested at 5:22 a.m. Oct. 6 at that address for Domestic Battery.


Frank J. Paytes, 33, 328 S. Joliet, was arrested at 1:53 p.m. Oct. 6 at that address for Domestic Battery. M. Pineda, 19, 23 Nichole 2224 White Eagle Drive, Plainfield, was arrested at 8:32 p.m. Oct. 6 at Washington and Logan for Possession of Drug Equipment. F. Pubentz, 39, 7006 24 Angela Cornwall, Plainfield, was arrested at 7:49 p.m. Oct. 6 at that address for Dog Bite. J. Culvey, 23, 25 Nathan 1860 Valley View Drive, Belvidere, was arrested at 11:27 a.m. Oct. 6 at 1313 Ryehill for Permit Required. E. Singer, 31, 902 26 Renee Luther Drive, Wilmington, was arrested at 6:03 p.m. Oct. 6 at 3340 Mall Loop Drive for Retail Theft. Patino, 40, 417 27 Albaro Chase, and Jose Delgado, 49, 22 Iowa, were arrested at 6:29 p.m. Oct. 6 at 415 Williamson for Liquor on Park District Property. A. Friede, 25, 212 28 Jessica Prairie,Ottawa,was arrested at 8:34 p.m. Oct. 6 at 2551 Mall Loop Drive on an Out Of Town Warrant and for Possession of a Controlled Substance. A. Sellers, 24, 112 29 Gregory Bowen Place, was arrested at 10:17 p.m. Oct. 6 at 358 N. Broadway for Obstructing Identification and Criminal Trespass to Real Property.


Jonathan M. Lopez, 22, 1651 Elgin, was arrested at 5:27 p.m. Oct. 6 at 150 W. Washington for Domestic Battery. For more Joliet blotter, go to www.

Shorewood 31

Rishawn D. House, 30, 1014 Callaway Drive West, Shorewood, was arrested at 8:07 a.m. Oct. 2 at River Bluff and Seil Road on a Will County warrant for Resisting Arrest. S. Abbinante, 33, 32 Justin 1803 Mandan Village Drive, Plainfield, was arrested at 3:02 a.m. Oct. 3 in the 1700 block of Fieldstone Drive South for Residential Burglary, Criminal Trespass to Vehicle and Criminal Damage to Property. S. Smith, 22, 1100 33 Brandon Wood Iris Drive, Joliet, was arrested at 1:56 a.m. Oct. 4 at Brookforest Avenue and Meadow for Driving Under the Influence and Failure to Yield. R. Stewart, 23, 4440 34 Briana South Prairie, Chicago, was arrested at 3:56 p.m. Oct. 5 at Dominick’s, 950 Brookforest Ave., for Retail Theft. C. Gudewicz, 27, 708 35 Wayne Heintz Drive, Shorewood, was arrested at 3:55 p.m. Oct. 8 in the 700 block of Heintz Drive for Domestic Battery.

ForuM Our View



CMAP’s Bennett a Nowhere Man I was stunned when I first heard what the chairman of a regional planning board had to say about Will County, calling it a “wasteland” and “Nowhere Land” during a recent public meeting on the Illiana Tollway. Then, I kind of chuckled a bit. Gerald Bennett is chairman of the Chicago Metropolitan Agency for Planning, one of the groups that gets to weigh in on whether the Illiana should be included in the region’s federal funding plans. He’s probably one of those Chicago guys, I thought, like I used to be:Thinks everything south of Division Street is “southern Illinois” and west of 45 just isn’t worth worrying about. Then I looked up Bennett’s bio on the CMAP website: “Serving his seventh term as Mayor of the City of Palos Hills, Gerald Bennett has been an outspoken advocate for uniting cities and villages. He founded and continues to serve as the President of the Southwest Conference of Mayors. He was a co-founder and serves as

Chairman of the Board of the Southwest Central Dispatch (an intergovernmental police and fire 911 service). Bennett has served as past Chair of the Metropolitan Mayors Caucus and is currently a member of the Mayors Caucus Executive Committee. He has also served as the President of the Illinois Municipal League and was the co-chair of the Mayors Caucus 2016 Olympic Regional Coordinating Committee.As the representative from Southwest Cook County, Bennett holds the position of Chair of the Chicago Metropolitan Agency for Planning and its Executive Committee.A businessman for 40 years, Bennett is President of Bennett Dental Labs, Inc., in Palos Hills. He attended Lewis University and the University of Illinois at Chicago.” Lewis University. Let’s see, last I checked, that’s in that vast wasteland of Will County. Palos isn’t so far off from “Nowhere Land,” either.And surely as President of the Illinois Municipal League, Bennett must

Opinions printed on this page, whether in Letters to the Editor or in columns or cartoons, are the opinions of the writer and not necessarily of this newspaper, its publishers, editor or employees. Only editorials reflect the views of the newspaper.

General Manager V.P. Advertising and Marketing Michael James Managing Editor Nick Reiher 815-436-2431 ext. 117 Reporters Jonathan Samples Alex Hernandez Laura Katauskas Sue Baker Sports Editor Scott Taylor Sports Reporter Mark Gregory Advertising Manager Pat Ryan

Production Director Andrew Samaan Enterprise Newspapers, Inc. 23856 Andrew Road #104 Plainfield, IL 60585 (815) 436-2431 • Fax (815) 436-2592 Mon. - Fri. 9 a.m. to 5 p.m Editorial Deadlines Calendar & News: 3 p.m. Monday, three weeks before date of publication Ad Deadlines Space and Copy deadlines for Display and Classified Ads is 12 p.m. Friday before date of insertion. Legals, Obituaries and Happy Ads are due at 12 p.m. Friday.

have ventured through other parts of the state settled after Lewis and Clark took off. I also would think a “strong advocate of cities and villages” would be more well-rounded and take into account the possibility another east-west route through an already busy intersection of two crosscountry interstates just might help.Although one then would have to know that I-80 isn’t a Bingo number. Bennett and another CMAP board member also charge this whole Illiana thing is political, “dropped on us by the governor and IDOT.” Which governor, Mr. Bennett? The one in Illinois or the one in Indiana? This is a two-state project aimed at alleviating traffic congestion in the Chicago region, albeit the southern end of the spectrum. “A truck bypass does not create jobs,” Randy Blankenhorn, executive director for CMAP, bloviated at the meeting.“I don’t feel [the Illiana project] is what that region, which does need

cmaP officials haVe staunchlY stucK to their Parochial waYs of Protecting funds for their own Projects with little regard for an area for which theY haVe little regard.

economic development, needs.” Does chronic congestion create jobs? If you were a businessman or woman whose job depended on delivering on time, would you want to be stuck in traffic constantly? Or would you want the opportunity to deliver your goods on time, even if it cost you $30 for the privilege of using the Illiana? Speaking of cost, no one at CMAP is saying much about the Illiana being a public-private partnership between the two states and a private investor. If there are no interested investors (and it appears there are), then the project doesn’t go forward. Yet CMAP officials have staunchly stuck to their

Illustrated Opinions

parochial ways of protecting funds for their own projects with little regard for an area for which they have little regard. Regardless of the “real” vote, which takes place at the Metropolitan Planning Organization’s Policy Committee’s Oct. 17 meeting, I do hope Bennett and other CMAP members take up John Greuling, president and CEO of the Will County Center for Economic Development, on his offer to visit Will County. But a word of caution:Take off the blinders first. Nick Reiher is managing editor of the Bugle, Enterprise, Sentinel Newspapers.



USF teams up with PepsiCo for recycling program The University of St. Francis announced it has advanced university recycling efforts by teaming up with PepsiCo Recycling. The partnership will include recycling incentives and a PepsiCo Dream Machine kiosk on campus.The Dream Machine rewards users with points for every plastic PET #1 beverage bottle or aluminum can that is recycled in the kiosk. Points can be redeemed for local discounts on entertainment, dining and travel opportunities at USF is among the first to introduce this rewards program. In addition to the benefits of keeping communities free of beverage can litter and landfills free of recyclable materials, recycling in a Dream Machine enables students to help support disabled U.S. veterans. The recycled materials make

it possible for PepsiCo to donate funds to the Entrepreneurship Boot Camp for Veterans with Disabilities. Through the EBV program, post-9/11 disabled veterans receive training, at no cost, in entrepreneurship and small business management so they can make their own dreams come true. “As we continue to fulfill living our mission, which includes care for creation, it’s exciting to see the many steps that USF has taken to move forward in becoming a sustainable university,” said Barbara Ingold, USF’s Sustainability Committee chairperson.“The installation of new water bottle filling stations on campus and the recent efforts to replace blacktop with permeable pavers in USF’s Welcome Center parking lot are just a few examples of what’s been done in recent months.


State Police release Concealed Carry signage specifications Illinois State Police Officials have released information on regulatory requirements for concealed carry signage under the Firearm Concealed Carry Act (430 ILCS 66/1, et. seq.). Individuals licensed to carry a concealed firearm under the Firearm Concealed Carry Act are prohibited from carrying a firearm on, or into, any of the prohibited areas listed under Section 65 of the statute. Private property owners may also prohibit individuals from carrying a concealed firearm on, or into, property under their control. Owners of any statutorily prohibited area or private property, excluding residences, where the owner prohibits the carrying of firearms must clearly and conspicuously post the Illinois State Police approved sign, in accordance with 430 ILCS 66/1, at the entrance of the building, premises or real property: HB183, Section 65 (Prohibited

Areas) (d) Signs stating that the carrying of firearms is prohibited shall be clearly and conspicuously posted at the entrance of a building, premises, or real property specified in this Section as a prohibited area, unless the building or premises is a private residence. Signs shall be of a uniform design as established by the Department and shall be 4 inches by 6 inches in size…. Please refer to Section 65 (Prohibited Areas) for more information on statutory regulatory requirements for signage as well as where concealed weapons are prohibited. Pursuant to Section 65(d) of the Firearms Concealed Carry Act, signs must be of a uniform design and the Illinois State Police is responsible for adopting rules for standardized signs. The Illinois State Police has proposed rules which require a white background; no text (except the reference to the Illinois Code 430 ILCS 66/1) or marking within

the one-inch area surrounding the graphic design; a depiction of a handgun in black ink with a circle around and diagonal slash across the firearm in red ink; and that the image be 4 inches in diameter. The sign in its entirety will measure 4 in x 6 in. The Illinois State Police’s proposed administrative rules allow the design and posting of a larger sign if the property owner believes the entrance of the building, premises or real property requires it. The administrative rules proposed by the Illinois State Police would also permit a larger sign to include additional language. These administrative rules have been filed with the Illinois Secretary of State pursuant to the Illinois Administrative Procedure Act. To download a template of the approved sign for use, visit the ISP website, firearms/ccw. Concealed Carry permit applications will be available on the ISP website by Jan. 5, 2014.

taKe 5 Crossword Puzzle

Across 1 Place for an old school tie? 11 Data of concern to privacy advocates: Abbr. 15 “My Word Is My Bond” autobiographer 16 __ skirt 17 Ready for anything 18 “Being __: A Puppeteer’s Journey”: 2011 documentary 19 Hit home? 20 Post 22 Odist’s contraction 23 Goes downhill fast 26 Scorn 28 O leaguemate 31 Major ending? 33 Tyrolean songs 34 Area of concern for FEMA 37 Li-ion cousin 38 Model Heidi who appeared on “Ugly Betty” 39 Army leader’s

Down nickname 41 Newsman’s asset? 42 Rialto sections 44 Philadelphia’s “P” and Denver’s “D,” e.g. 46 Suspects 48 Test tube fluids 49 Divided terr. 50 Garment looked after by Alfred 52 Fax button 54 Biker’s hazard 55 Shapeless thing 57 Maples in ‘90s tabloid news 61 Rock ‘n’ roll middle name 63 Stretching out 66 Bum 67 Put great faith in 68 Strategic river of 1914 69 One to horse around with?

1 Immortal archer 2 Singer Basil with the #1 hit “Mickey” 3 Hymn starter 4 Iberian infants 5 Complained underfoot? 6 Sacred syllables 7 Garage alternative 8 Device with a warp beam and heddles 9 Metiers 10 Like varnished wood 11 Tongue twister pronoun 12 Breakaway hit? 13 Iditarod terminus 14 Bureau where stats abound 21 L.L. Bean’s first name 24 Chichén __ 25 Attack in a big way 27 Patsy’s “Ab Fab” pal 28 Boston attraction with a

permanent Space Race exhibit 29 Extinct carnivore whose name means “different lizard” 30 1967 Neil Diamond hit 32 Town north of Shannon Airport 35 Signs 36 Beethoven’s “some” 40 Raison d’__ 43 Short piece 45 Not natural 47 Persian Gulf fleet 51 Property manager’s sign 53 Factoid 56 Weighted weapon 58 2012 TV Land Awards host 59 Hot stuff 60 Youngest Bront’ 62 “Weekend Edition” airer 64 Tip for a writer? 65 Become more solid


Horoscopes You could need to see an optometrist because you may mistake the carrot for the stick. In the week ahead, you should avoid giving in to temptations or making changes on the spur of the moment.

Consider what’s best for everyone before you take action in the upcoming week. A generous spirit will act as a shield against competitors and offers an ambitious partner necessary assistance.

You are as good as you think you are. At the same time, your confidence about your abilities might lead you to be overly generous or careless with cash in the week to come. Spread good will but not money.

Rise above petty issues or irrational fears. You could yoyo between optimism and pessimism. Put on your thinking cap later this week to make a wise decision that will have a long-range positive effect.

You might not be a ballerina but you should still stay on your toes. Your ability to act with a creative flair is enhanced in the week ahead. Write down inspirations and ideas, as they may be useful in the future.

Secrecy and trust can work together. Prove your worth to allies by remaining discreet. Sometime after the middle of the week is the best time to launch key strategies and make your move for career success.

Truth and honesty will take you far in the upcoming week. Activities within the community may bring satisfaction. Be cautious about spending, but don’t be bashful about displaying your talents.

Don’t fall prey to unfounded fears. You may worry that too many ears are connected to too many mouths. Put important plans into motion later in the week, when your confidence is at a higher point.

Carry on and carry through on contracts, promises and agreements in the week ahead. Your bank account can move into the black if you play your cards right. New contacts upgrade your social life.

Make yourself into a money magnet. You could be intuitively at the right place at the right time to score big time in the world of commerce if you don’t take unnecessary risks in the week ahead.

Ignore unsubstantiated feelings of discomfort or worry. You could seem too high strung or changeful to others in the upcoming week. Find some quiet time to meditate and return to your solid center.

Look for opportunities to upgrade your public image in the coming week. To do this, concentrate on developing viable and worthy goals rather than trying to be a shrewd business person.



Tribune Media Services 2013

Previous puzzle’s answers

Previous puzzle’s answers

Previous puzzle’s answers



How the active toddlers left Mom -TIED UP IN “NOTS”




Bugle Kids

INSIDE: Girls golfers have strong showing at regional, page 12; JCA volleyball is No. 1 seed in IHSA regional, page 13



Hollatz overcomes bee stings, fires 73 By Mark Gregory Sports Reporter

Anyone who follows comic books or the movies they have spawned is well aware that being bit by a radioactive spider will result in a human having spider-like qualities. Well, if Stan Lee is looking for a real-life spinoff, he needs to look no further than Lockport junior Gehrig Hollatz. Hollatz was stung twice by bees during the Class 3A Lemont Regional at Broken Arrow Golf Club in Lockport. “I got stung on the third hole and then on my 13th hole and then I started playing good,” Hollatz said. “Next week, I should just try and get attacked by bees.” Hollatz said when he was first attacked, it was uncomfortable, but relief came soon. “At first, I was itching it and then my mom heard about it, I don’t even know how, and brought some lotion and that made it feel better,” he said. Whether it was the sting or the lotion, Hollatz went on to card a 73 at the regional, one shot off medalist, which he knows he should have tied for. “I missed a two-foot putt on the last hole to shoot 72, but that is OK because the team made it out,” he said. As a team, the Porters shot a 308 and claimed the third team place to advance to sectional. Providence (299) and LincolnWay East (303) advanced ahead of Lockport. Finishing right behind Hollatz was teammate Luke Trent, who shot a 74. It took four scores to help the team advance. “Me and Luke have been playing well, but we still need that third and fourth score and lately they have playing well,”

Hollatz said. “We thought we would have to shoot better than 310 to get out and we got a 308.” Also scoring for Lockport were Matt Sheldon (80) and Joe Gawle (81). Jake Speechley (82) and Joe Tomczuk (88) also played but did not score. The Porters will be joined out of the regional by a couple of SouthWest Suburban Conference players, as a pair of Joliet Township juniors also advanced to the sectional level. Trent Wallace advanced with a 75, while Isaiah Smith qualified with a 76. “My short game and my putting really saved me today,” Smith said. “I really read the greens well. I wasn’t really good off the tee today, but I was good with my short game.” Despite tying for the fourth lowest score at the invite, Wallace had a much lower number in mind when he began. “I think I hit 16 greens in regulation and shot a 75,” Wallace said. “My putting was bad. I know I am good enough to shoot in the 60s and that is what I strive for. I am now looking forward to sectional. I just want to make it out and save the 60s for (the state meet).” Like Wallace, Hollatz is also looking to place high at the state meet. “This year, I have been shooting around par all season and I am hoping that stays,” he said. “If you shoot near par at sectional, I will sure get out and if you shoot near par at state, it is around a top-five finish.” Both Hollatz and Wallace are looking forward to doing battle the next two rounds of state and hopefully pushing each other the same way they have See HOLLATZ, page 14

Mark Gregory/Bugle Staff

Gehrig Hollatz got stung by two bees, but still shot a 73 to lead Lockport at the Lemont Regional Oct. 8 at Broken Arrow Golf Club. The Porters advanced to sectionals.




Strong local showing at Inwood By Scott Taylor Sports Editor

It was a great showing for the Joliet area Wednesday, Oct. 9 at the Joliet Central Regional at Inwood Golf Course. Lockport was able to qualify for the Homewood-Flossmoor Sectional as a team, while a pair of Joliet Township girls qualified individually. The top three teams and top 10 individuals not on those teams qualified for the sectional, which takes place Monday at Coyote Run. Joliet sophomore Karen Juricic advanced with an 89, while junior Milena Singletary shot a 90 to move on. “I started off with a 42 on my first nine, but I struggled on the other nine,” Singletary said. “I’m not very consistent, as the numbers show. It kind of comes and goes. I think I did better last year.” “It means a lot (to qualify),” Juricic said.“I didn’t start out that good, but I’m pretty happy with how I finished. I wanted to shoot under 90 and I did that. My drives were real good today. Some shots were off but I was getting good distance. My putting was good, too.” Playing on their home course in the regional was a big help. “The home course makes it so much easier,” Juricic said. “You know where you need to hit it.” This is the second time Singletary advanced to sectionals, See INWOOD, page 16

Scott Taylor/Bugle Staff

Joliet’s Karen Juricic shot an 89 at the Joliet Sectional at Inwood Golf Course Oct. 9 to advance to sectionals.


JCA nabs top seed in regional By Mark Gregory Sports Editor

On Oct. 10 the Joliet Catholic Academy girls volleyball team got good news early in the afternoon when it learned it was the No. 1 seed in the IHSA Class 3A Aurora Central Catholic Regional, however later in the evening, the Angels learned what it needs to fix in a 25-11, 25-17 loss to Benet Academy in Lisle. Joliet Catholic (14-8, 1-3) was paced by seven kills from senior Julia Shemaitis, while Mary Murphy added 11 assists and eight digs. However, JCA coach Chris Scheibe said inconsistent passing from the back row is the Angels’ Achilles Heel. “We work on passing and work on passing and work on passing, and it just doesn’t seem to be coming,” Scheibe said. “One person who is passing pretty well is Meghan Harrison. She’s probably our most consistent passer right now. But she’s a sophomore and we can’t be putting so much pressure on her. The other girls have to step up and make plays and make things happen, too.” Although the Angels start a host of juniors, Scheibe said it is too late in the season for youth to be an excuse. “We are still young, but we are halfway through a season and we are still having way too many communication errors that are unacceptable things,” she said. “It doesn’t matter if you are a junior, if you get called in the net, that is just you controlling yourself and that has nothing to do with being young or not being young. We have to clean up what we can clean up on our side of the court. “We keep telling them that our goal is that every time we step on the court, we want to improve so that we give ourselves a shot at the end of the season. But, I keep seeing ourselves take one or two steps forward and then a step back.” The Angels have to clean that up before heading into the post season, because although they are a No. 1 seed in the regional, they are in the same sectional with defending state champion Wheaton St. Francis, the No. 1 See JCA, page 14

Mark Gregory/Bugle Staff

Mary Murphy sets a teammate in JCA’s loss to Benet Thursday.





HOLLATZ Continued from page 11 been the last two years. The two have been in two head-to-head playoffs, most recently a four-hole affair at the SWSC meet.

“He is a really good player and we are the same and I know if I am going to be in a playoff, it is probably going to be with him,” Hollatz said. •At the Normal Community West Regional, Minooka placed fourth with a 312, six shots off a qualifying score. While the team did not

Sports advance, four individuals did, as senior Jason Chobar carded a 77, and juniors Kent Hudson and Kyle Sheppard each shot a 78. Freshman Dan Anfield totaled a 79 and also advanced. •In Class 2A, Joliet Catholic Academy won the Bishop McNamara Regional with a 345. Senior Dyllan Mattea was the

medalist with an 80, while Senior Kellen McCullum (83), junior Brandon Smith (85) and junior Trent Gancarczyk (97) also scored. Junior Reed Filotto (98) and senior Nick Gulas (101) played but did not score. •Sectional scores were not available as of press time.

JCA Continued from page 13 seed in the Timothy Christian Regional. “The IHSA has put us together again and we expected it. That is just the way it is and we were expecting it and we knew it was going to happen and that is just the way it is,” Scheibe said. “We can’t do anything about it, so we just have to keep improving and get better deal with the situation at hand. “(Us being a No. 1 seed) doesn’t really change anything, Wheaton St. Francis is still the defending champions. They still have a girl named (Molly) Haggerty. They still have a (Mary) Boken. They have a libero by the name of (Samantha) Dubiel. Does it maybe give us a little glimmer of hope? Possibly. But, I always say in high school, anyone can beat anyone. They are high school girls, we have to play and it will come down to who plays clean that night.” The Angels open play Tuesday, Oct. 29 at 6 pm: when they face the winner of No. 4 Tinley Park and No. 5 Aurora Central Catholic. In Class 4A, Joliet West, Joliet Central and Lockport are all in the Plainfield South Sectional, where Benet, the defending 4A champs are the No. 1 seed. Lockport is the No. 8 seed, while West is No. 17 and Central is No. 20. West will open against No. 15 Plainfield East at 7 p.m. Monday, Oct. 28 at the Plainfield East Regional with the winner facing Benet the following night. The Porters open play at 7 p.m. on Tuesday, Oct. 29 at Plainfield East against No. 9 Naperville Central. Central opens Oct. 28 in the Bolingbrook Regional at 6 pm against the host Raiders, the No. 13 seed. The winner would face No. 5 Lemont the next night at 7 p.m. Minooka is in the Normal Community West Sectional complex and is the No. 2 seed in the Ottawa Regional. The Indians open the post season at 7 pm: Oct. 29 against No. 3 Moline.




Lockport football tops Joliet Central Lockport defeated Joliet Central 42-22. Jeremy Quade completed 2-of-3 passes for 89 yards and added an 18-yard TD in place of the injured Ryan Dalton. Central quarterback Malek Harden was 5-of-11 for 93 yards and had a nine yard TD run, while Sylvester Bellamy led all rushers with eight carries for 76 yards for the Steelmen. •JCA beat Carmel 30-14. Michael Ivlow ran 24 times for 140 yards and a pair of scores. •Oswego East shut out Minooka 44-0.Jake Czerniakowsi was 6-of-15 passing for 47 yards to lead Minooka (2-5, 1-4). The Indians were eliminated from playoff contention. •Stagg defeated Joliet West 61-35 and eliminated the Tigers

from post season contention. West running back Jordan Brown rushed for 105 yards and three touchdowns.

GIRLS VOLLEYBALL Minooka defeated Oswego 25-18, 25-17. Kelly Clucas had 13 assists and Ginger Perinar had nine kills to lead Minooka (11-6, 7-3). Megan Bauer added nine assists, while Skyler Day

had six kills. •Lockport defeated Homewood-Flossmoor 25-19, 19-25, 25-21) in SouthWest Suburban Blue play. Kayla Pfeiffer tallied 12 kills, 12 assists and 13 digs to lead Lockport (13-7, 3-0). The Porters also got help from Lindsey Visvardis (26 digs) and Sarah Kurzawski (7 kills, 10 digs). •Sandburg beat Joliet Central 25-12, 25-14.



Lockport was third in the SouthWest Suburban Conference with 22 points. Homewood-Flossmoor won its fourth straight conference title, with 37 points. Sandburg was second with 25. Lockport’s Tara Shingler and Allison Stoch were conference champions at No. 4 doubles. •Morris defeated Minooka 6-1.

Lockport beat HomewoodFlossmoor 1233-63. Amanda Moran won the 50-yard freestyle (25.81 seconds) and 100 butterfly (1 minute, 0.44 seconds).

BOYS SOCCER Benet defeated JCA 6-1. Lorenzo Reyes scored on an assist from Panagiotis Zografos.



INWOOD Continued from page 12 but last year she was the lone advancer. “Having a teammate with me makes it better than last year,” Singletary said. “I need to be focused and not feel the pressure. I just need to relax and play my

game.” It is Juricic’s first time qualifying for sectional. “It’s pretty awesome,” she said. “I would be more nervous if I was by myself, but is fun going with a teammate. It will make me more comfortable. I’m hoping to shoot under an 85.” As a team Joliet placed fifth with a 384. Lincoln-Way East won with a 331. Rachel Hudgens (101) and

Sports Angel Robinson (104) also scored for the Steelmen. “This is a good accomplishment for us,” Singletary said. “We are where we are at due to practice. We get a lot of help from the pro here, but we don’t have a lot of experience like a lot of other girls here. It means a lot (to qualify for sectionals).” Lockport finished in third with a 364 total.

Kayla Garritson (87), Breanne Hanus (89), Gina Dubin (94) and Mel Loeffler (94) scored for the Porters. “I’m very happy,” Hanus said. “The key was keeping a good mindset. I am a senior, so this is my last chance. I was thinking if I do get, I can keep going.” “My front nine was rough with three double bogeys,” Garritson said. “I pared the rest and have some good recovery shots. The back nine I had one bad hole, so overall it was pretty positive. After missing out on sectionals as a team the past two years, the Porters made it in by eight strokes this year over Lincoln-Way Central. “It means the world to me,” Hanus said. “I was hoping we would make it to sectionals from the beginning of the season. It is awesome that we made it after missing last year.” “It is a lot of fun,” Garritson

added. “I haven’t made it to sectionals before as a team.” •Joliet Catholic also competed at the Joliet regional, but did not have any sectional qualifiers. Jennifer Filotto (105), Lauren Osuch (115), Alexis Mattea (127) and Jordan Bergeson (135) scored for the Angels. •Minooka qualified for sectionals as a team after taking third place at the Metamora Regional with a 398. Galesburg won with a 379. Becca Andreano (97), Andra Sharp (98), Miranda Sharp (98) and Alli Lee (105) scored for the Indians. •Minooka’s sectional results were not available at press time. •The Porters were ninth as a team with a score of 377 and did not advance to state Monday at the Homewood-Flossmoor Sectional. No individuals advanced either. Follow Scott @Taylor_Sports



Raiders host Griffins with SWSC title on the line By Mark Gregory Sports Reporter

It has been the case in most of the past few seasons that the game between Lincoln-Way East and Bolingbrook plays heavily into deciding who wins the SouthWest Suburban Conference Blue Division title. That is the case again Friday night when the Raiders (7-0, 5-0) host the Griffins (6-1, 4-1) with a 7:30 p.m. kickoff. Lincoln-Way East comes into the game with a 5-3 advantage in the series, which dates back to 2006. The Griffins have also claimed the last three consecutive games, including handing Bolingbrook its only loss during its 13-1 state championship season. This season, East comes in with one loss at the hands of Homewood-Flossmoor. Bolingbrook defeated H-F 31-24 in overtime last week to remain undefeated overall and have the upperhand in the SWSC. It also earned Bolingbrook the first-ever Alec Anderson Trophy. In the game, the Raiders allowed more points to the Vikings than they had all season coming into the game. Led by Parrker Westphal, Tuf Borland, Micah Dew-Treadway and Jacob Huff, the Bolingbrook defense has been stingy this season, allowing an average of 7.6 points per game. Lincoln-Way East has averaged 30.3 points per contest this season, scoring more than 20 points in every conference game thus far.

The Lincoln-Way East offense is captained by quarterback Jordan Wirtz, while Paul Gossage ia his prime receiver. The Bolingbrook offense has Quincy Woods back under center and has the running attack of Jaden Huff and Mike Valentine. • At halftime of the contest, Bolingbrook will honor the 1993 team that advanced to the IHSA State Championship. The game lost 7-0 to Belvidere. It marked only the sixth time the Raiders qualified for the IHSA Playoffs. It was the second year of a 21year streak of qualifying for the playoffs that continues today as one of the longest streaks in the state. With seven wins this season, the Raiders have qualified for the post season for the 22nd year. Follow @2Mark_My_Words


The number of consecutive CSL South wins for Maine South.

Mark Gregory/Bugle Staff

Tuf Borland (32) and Bolingbrook will look to win at least a share of the SWSC Friday night.


Business & Real Estate


How much term do I need? Dear Dave, Should term life insurance be purchased based on your current earnings or future, projected earnings? Dan Dear Dan, I usually recommend people have 10 to 12 times their current annual income in a good, level term life insurance policy. However, if you have a solid reason to project your income jumping significantly in the near future, there’s nothing wrong with basing your amount of life insurance coverage on that figure—as long as you can afford it. Now, when I say a solid reason, I’m not talking about having an attitude of,“I’m smart. So, I’m going to make tons more money soon.”That’s ego, not reason. But if you’re in a residency finishing your medical degree, you can realistically look at making $40,000 to $50,000 for another year or two then making the jump to $200,000.That’s the kind of logical thinking and planning I’m talking about. In that scenario, a huge jump in income is almost assured.There’s nothing wrong with going ahead and getting more coverage.

The purpose of life insurance is to take care of your family if something unexpected should happen to you. You don’t want to go nuts and buy too much unnecessarily, but you should have enough to ensure that they’re well taken care of when you’re not around. —Dave Dear Dave, My husband and I are debtfree except for our house. I’ve been having a discussion with a coworker over how much money to allow for fun in your budget. I think $100 for a bottle of wine is okay, but she says something like that is unreasonable.What do you think? Elizabeth Dear Elizabeth, It depends entirely on your financial situation. Paying $100 for a bottle of wine is pretty dumb if you make only $20,000 a year. But what if you make $200,000 a year? Quit worrying and buy the wine! When you have a great income-to-asset ratio—and you’re living debtfree, have control of your money, and are saving and investing for

the future—that’s the time to relax and enjoy a few things. You’ve got to take the whole picture into account. Otherwise, you’ll get caught up in the whole envy and jealousy thing. I know a guy who makes $15 million a year, and recently he bought a $400,000 car. Now, I grew up in a small town in Tennessee. I can’t wrap my head around the idea of a $400,000 automobile. But as a ratio, that’s a very small part of his income. It would be like someone who makes $150,000 a year buying a $400 car. That’s a good rule of thumb for determining if something constitutes an outrageous purchase. If it’s a big-enough percentage of your income to rock your world and mess with your finances, then you’re spending too much. But to say that a certain item is too expensive or an irresponsible purchase based on price alone, that’s kind of silly. —Dave * Dave Ramsey is America’s trusted voice on money and business. He’s authored four New York Times best-selling books. The Dave Ramsey Show is heard by more than 6 million listeners each week on more than 500 radio stations. Follow Dave on Twitter at @DaveRamsey and on the web at

Business & Real Estate


How to make more hours in a day Q.We were downsized during the recession and have been short staffed every since. I keep getting asked to do more with less, and I’m pulling my hair out. Is there any way to make more time in a day? A.Yes, despite popular opinion you can make more time by doing three tasks: -Stop wasting time on activities that are not critical. -Negotiate with your boss about what will not get done. -”Waste” time on the front end to negotiate long-term solutions that fix repetitive problems. Start by keeping an activity log of how you spent Monday through Friday.Yes, this will take a little more time. However, as with a diet journal, when you review your log at the end of the week, you’ll notice where you spend time on office “junk food.” As you review your log, highlight the time wasters. People who don’t get to the point, meetings you didn’t need to attend, or traveling for a personal meeting when a phone call would work. Make a list of the “fat” in your journal and how you can permanently cut it out

of your week.You’ll find you immediately create more hours in your week. Next, schedule a sit down with your boss to negotiate your impossible list of responsibilities. Rank the list in order of priority as you believe he or she would do. Roughly estimate how long each task takes and highlight the tasks that will currently not be accomplished.Ask your boss to review your list and weigh in on what gets dropped. Notice that I’m not recommending you work longer hours, pretend you are Superman, or whine about your workload. You are realistically collaborating with your boss so that it is his or her choice how you spend your time.You are not allowing your manager to continue to operate under the delusion that you have unlimited time. Realize that if you don’t do a calm and practical negotiation, your boss may truly not be aware of how much he or she has given you to do.Your meeting with him or her may be the first time your manager sees your job through your eyes.

The last technique is the one I find that most of my clients have never used in their workplace. Most people believe it is a “waste” of time to spend more time on the front end solving a repetitive problem. However, the truth is that if you spend 20 minutes making sure you never have that problem again, you have just saved yourself years of time. Let’s say you have a coworker who always miscalculates the budget for your department. You can imagine how much time you and your coworkers will spend trying to fix these repetitive errors.Yes, none of us likes conflict. However, the time you take to make sure the budget is accurate means all those future minutes end up back in your pocket.

When you have problemsolving conversations, make sure you approach your coworker as an ally to solve “the problem.” Be very careful that you don’t treat your coworker as if he is “the problem.” People who feel blamed are completely uninterested in being part of permanent solutions. The bottom line is that you don’t need to be magical to create more hours in a day.You do need to do the right things and not just do things right. If you sit back and use your good judgment and interpersonal skills to carve out how you spend your time, you’ll remember why you used to enjoy your job.

The last word(s) Q. I’m leaving my job for a great position. My boss has been a completely jerk and I’d love to tell


both him and human resources off before I leave. Since I won’t have to deal with him anymore once I take my new job, is there any big downside to this? A.Yes, unless you expect your boss and former company to move to another planet, no industry is big enough for you to tell people off on the way out the door. Focus on celebrating your future not getting even with your past. (Daneen Skube, Ph.D., executive coach, trainer, therapist and speaker, also appears as the FOX Channel’s “Workplace Guru” each Monday morning. She’s the author of “Interpersonal Edge: Breakthrough Tools for Talking to Anyone, Anywhere, About Anything” (Hay House, 2006). You can contact Dr. Skube at www. or 1420 NW Gilman Blvd., #2845, Issaquah, WA 98027. Sorry, no personal replies.)











RETIRE SMART By Jill Schlesinger | Tribune Content Agency

After years of political fighting, a Supreme Court decision and lots of confusion, the 2010 Affordable Care Act (ACA or “Obamacare”) kicked off on October 1. The government has established the website to manage all aspects of the ACA, but if you need a cheat sheet, here are some of the most frequently asked questions: Q. What do I need to do? A. If you are an uninsured U.S. citizen or legal resident, you must be enrolled in qualifying health coverage in 2014 or face a penalty. Qualifying coverage includes: employer-provided insurance; government programs like Medicare, Medicaid or the Children’s Health Insurance Program (CHIP); COBRA; privately purchased insurance; or coverage you purchase in a state or federal marketplace. Q. What are “exchanges” or “marketplaces”? A. On October 1, online health insurance marketplaces (also known as “exchanges”) launched so that individuals without insurance as well as small businesses with up to

TROUBLE Continued from Page 1 The village board adopted a resolution at its Oct. 8 meeting calling the debris a nuisance and accepting grant money from the Federal Emergency Management Agency to cover the cost of removal, which is expected to be about $50,000. The resolution states the debris creates an unsafe condition because of its potential to dislodge, which could damage the river downstream or cause additional flooding. In funding the removal, FEMA required the village to indemnify it against any damages that may occur from the removal. The property owner also has OK’d the work, Barrowman said. Barrowman expects the work to be completed during the winter when the trees are leafless

50 employees could shop for insurance coverage. State and federal governments are not providing the coverage, rather they are aggregating the information for consumers through one platform - the marketplace. It’s like using Travelocity to understand the cost of various airlines flying to your desired destination, rather than visiting each airline’s website. Costs of coverage vary by type of coverage, state of residence, age and family situation. Q. What are the penalties for NOT having coverage? A. For each household, the greater of: - 2014: $95 per uninsured adult and $47.50 per uninsured child, capped at $285 per household, OR 1 percent of household income. - 2015: $325 per uninsured adult and $162.50 per child, capped at $975 per household, OR 2 percent of household income. - 2016: $695 per uninsured adult and $347.50 per child, capped at $2,085 per household, OR 2.5 percent of household income.

and vegetation has died off. “It will be easier to work when there’s not a whole bunch of leaves and poison ivy and poison oak to contend with,” he said. In order to get appropriate equipment to the site, some trees likely will be removed. It’s not yet been determined if village staff will complete the work or if it will be contracted out, Barrowman said. The village removed debris from this same location after the 1996 flood, but the village did not get federal assistance for the removal. The agency’s process relies heavily on documentation, he said, so Shorewood’s staff was certain to meet the agency’s requirements for this year’s application. “They like it when they come here because we know what to do,” said Barrowman, adding that an agency representative made a site visit to see the debris firsthand.

Q. Are there exemptions from penalties? A.Yes, for economic hardship, religious objections, American Indians, those without coverage for less than 3 months, undocumented immigrants and incarcerated individuals. Q. Will Uncle Sam help financially? A. Yes. Beginning in 2014, there will be tax credits for individuals and families making between 100 and 400 percent of the federal poverty level,who purchase insurance through the marketplaces and who are ineligible for coverage through an employer or a government plan. For a family of four, credits

are available for incomes of $23,550 up to $94,200. Q. How will ACA change health benefits and coverage? A. In the following ways: - Eventual elimination of lifetime and annual limits on coverage. - Elimination of pre-existing condition exclusions by 2014. - Requirement to extend dependent coverage to age 26. - Insurers will not be allowed to charge women or persons with medical problems higher rates. - Premiums of older individuals can’t be more than 3X as expensive as those of

younger people. - Coverage will be portable, even if you leave a job. - Limit any waiting periods for coverage to 90 days.

(Jill Schlesinger, CFP, is the Emmynominated, Senior Business Analyst for CBS News. A former options trader and CIO of an investment advisory firm, Jill covers the economy, markets, investing and anything else with a dollar sign on TV, radio (including her nationally syndicated radio show), the web and her blog, “Jill on Money.” She welcomes comments and questions at


Clare Walters /For the Sentinel

The village board adopted a resolution at its Oct. 8 meeting calling the debris a nuisance and accepting grant money from the Federal Emergency Management Agency to cover the cost of removal.



Sentinel 10-16-13  

Sentinel 10-16-13