Chatham-Southeast 9-18-2019

Chicago State University Host Community Curation Events To Digitize Historical Document — Page 3

Citizen Week of Sept. 18 , 2019

| Vol. 55 | No. 25 | www.thechicagocitizen.com

CHATHAM SOUTHEAST

A new public mural titled “Rise as One” can be found at 1842 E. 79th St. thanks to an ongoing partnership between the Southeast Chicago Chamber of Commerce and AB Productions. Photo Credit: Courtesy of Kayla Mahaffey

CHAMBER OF COMMERCE COLLABORATES TO CREATE MORE PUBLIC MURALS IN THE COMMUNITY Over the summer, the Southeast Chicago Chamber of Commerce has been partnering with AB Productions to host an ongoing series of artistic community-based events called Xsite. The events acted as a point of engagement for the community and small businesses in the area and also showcased several new public murals. PAGE 2

FASHION

BUSINESS

REAL ESTATE

Cole Haan Teams Up With Rodarte To Disrupt High Fashion With Innovation

Gaining realworld business experience at UIC’s Starbucks PAGE 4

Check out our real estate listings for important foreclosure information

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NEWS briefly EDUCATION

U.S. NEWS & WORLD REPORT UNVEILS THE 35TH EDITION OF THE BEST COLLEGES RANKINGS U.S. News & World Report, the global authority in education rankings, recently announced the 2020 U.S. News Best Colleges. Princeton University remains No. 1 among National Universities, while Williams College is once again in the top spot among National Liberal Arts Colleges. This year, public schools in California, Florida and New York excel in enrolling and graduating large proportions of low-income students. Further, the University of California—Los Angeles maintains its spot as the No. 1 Top Public School among National Universities.

For more information, visit https://www. usnews.com/best-colleges

HEALTH

6TH ANNUAL HEALTHY CHURCHES 2020 NATIONAL CONFERENCE The Balm In Gilead, Inc. has set the stage again for the only national conference of its kind to bridge faith and public health. As a three-day capacity-building training event, more than 500 influencers from across faith, medical and corporate spectrums are expected to convene in Charlotte, NC for the 6th annual 2019 Healthy Churches 2020 National Conference on Nov. 19-22.

The conference takes place at the Sheraton Hotel in downtown Charlotte where some of the nation’s leading public health and faith leaders will forge alliances to strengthen the capacity of faith communities to address the alarming rates of health disparities among African Americans. For registration, hotel and other information, please visit: www.healthychurches2020conference.org

LAW & POLITICS

BLACK MILLENNIALS RANK STUDENT LOAN DEBT, CYBERSECURITY AND CRIMINAL JUSTICE REFORM AS TOP 2020 VOTING ISSUES IN NEW SURVEY Healthcare, immigration, and the state of the economy dominate mainstream conversations on top voter issues in 2020, but new survey data suggests a majority of black millennial voters will choose candidates based on their student loan debt, criminal justice reform, and cybersecurity policy ideas. The survey, completed by Beyond Ideas Group, an integrated public affairs company founded by a former Obama White House and Treasury appointee, received over 400 responses. 94 percent of respondents indicated plans to vote in 2020. When asked about their most critical voting issues in 2020, 57 percent listed student loan debt as the most important economic issue, 36 percent noted criminal justice reform was the most urgent domestic issue, and 59 percent indicated cybersecurity was the most significant international issue.

Chamber of Commerce Collaborates To Create More Public Murals In The Community Continued from page 1

BY KATHERINE NEWMAN

Over the summer, the Southeast Chicago Chamber of Commerce has been partnering with AB Productions to host an ongoing series of artistic community-based events called Xsite.

The events acted as a point of engagement for the community and small businesses in the area and also showcased several new public murals.

Southeast Chicago Chamber of Commerce is a nonprofit organization that serves the Calumet Heights and Avalon Park neighborhoods by supporting investment and development within the community.

“Our tagline is that we are where commerce meets community and because of that, we’re always trying to find community-based events that we can then funnel through to the small businesses and create opportunities for engagement to make Calumet Heights and Avalon Park a destination both for living and for small business,” said Frankye Payne, executive director of the Southeast Chicago Chamber of Commerce.

The Xsite events that took place over the summer and the new public murals are just one way that the Southeast Chicago Chamber of Commerce created experiences to get people excited to be out and about in the neighborhood.

As a young adult in Chicago, Payne said she

While working on a public mural on 79th Street, artist Kayla Mahaffey gives one neighborhood child a mini-lesson in artistry and lets her assist with the mural. Photo Credit: Provided by the Southeast Chicago Chamber of Commerce

knew public art was something that would attract other young adults to the area and motivate community members to get out of their homes. “Public art is great for branding and it’s also great for place-making which is one thing that, in our pocket of Avalon Park and Calumet

Heights, we don’t necessarily have.

Payne said the communities served by the Southeast Chicago Chamber of Commerce are often lumped in with the larger communities in the area and these events and the new murals were created to help Calumet Heights and Avalon Park stand out on the south side.

“We kind of get shuffled between South Shore, or maybe Chatham, and we’re not quite south east enough to be Indiana, so we’re just in this pocket that has Stony Island Avenue, which is basically an expressway, running right through it. You have to give people a reason to stop and engage and these different community events are points of engagement,” said Payne.

For their latest endeavor, AB Productions curated and facilitated a pair of collaborative murals by artists Max Sansing and Kayla Mahaffey. The mural project consists of two large scale artworks that face one another across an abandoned lot on 79th Street.

“We have picked over five different spaces in the last three years to add public art to and what’s great about these spaces is that they’re directly connected to a small business. So now, we get to advocate for a small business and their generosity for donating their building to be an art space as well as introduce community members to what’s actually in their community,” said Payne.

United Airlines Launches Online Campaign for Hurricane Dorian Relief Efforts United Airlines has launched a Crowdrise fundraising campaign for those affected by Hurricane Dorian. Donations will support the airline’s relief partners that provide assistance in the United States and internationally: American Red Cross, Airlink, Americares and Global Giving.

United is working directly with these partner organizations, as well as engaging with community leaders to assess disaster impact and provide aid to rebuild affected communities. United will match the first $100,000 raised and provide up to a total of 5 million bonus miles to give to individuals who make donations of $50 or more.

“United has a long tradition of stepping forward to assist in supporting individuals and communities impacted by hurricanes, such as Harvey, Irma and Maria,” said executive vice president and chief administrative officer Brett Hart.

“After natural disasters, our generous customers, employees and MileagePlus members step forward to ask how they can again support those in need, and we are proud and humbled to facilitate this critical work.”

Hurricane Dorian’s destruction in the Bahamas. United Airlines recently launched a Crowdrise fundraising campaign for those affected by the hurricane.

United also works with relief partner Airlink to connect with non-governmental organizations (NGOs) that respond quickly and efficiently in the wake of major disasters. This past week, United flew more than 25 relief workers, including a team of search and rescue experts from Empact Northwest, to the Bahamas to aid in the most pressing needs identi-

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fied by the local government.

“We can’t thank United enough for allowing us to jump out of the gate right away to aid people devastated by this storm,” said Airlink CEO Steven J. Smith. “Search and rescue, medical care, temporary shelter, and access to potable water are among the most immediate and pressing needs identified in the region. United’s assistance is critical

in ensuring the right type of help quickly reaches those recovering.”

United will continue to work directly with its partner organizations and engage with community leadership to properly address disaster impact and provide assistance to rebuild affected communities. The online campaign platform is currently scheduled to be available for donations through Sept. 30.

CITIZEN | Chatham Southeast | Week of Sept. 18, 2019

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NEWS

Chicago State University Host Community Curation Events To Digitize Historical Document

BY KATHERINE NEWMAN

During September, Chicago State University, 9501 S. King Dr., is hosting the National Museum of African American History and Culture’s traveling Community Curation program which allows individuals to have their family photos, videos, and documents digitized for free. The purpose of the program is to encourage intergenerational storytelling in the African American community.

A Still Image Digitization event will take place at Chicago State University from Sept.

24 to 28 and anyone is welcome to bring their photos and documents to be digitized. Participants will leave with all of their original items as well as a USB drive containing the digital copies of everything they brought in.

The Community Curation project was made possible by Robert Frederick Smith Fund for the Digitization and Curation of African American History (Smith Fund) and Chicago is the third city to be able to participate in the project since its start in 2017.

The Smith Fund was established to advance digital curation, community outreach, and internship initiatives at the National Museum of African American History and Culture.

“We’re coming into town and helping people in Chicago to digitize their collection, to digitize their photographs, their family items, and then

The National Museum of African American History and Culture will be in Chicago for all of September hosting its Community Curation program. Photo Credit: Leah L. Jones/National Museum of African American History and Culture

also their media,” said Dr. Doretha Williams, the National Museum of African American History and Culture’s Smith Fund program manager.

“This is a pure service and we do not keep anything unless someone wants us to use an item

then they can do a digital donation.”

Aside from helping residents digitize their items, the Community Curation program also hosts workshops and panel discussions that share the importance of intergenerational sto-

rytelling and how to trace and preserve family history.

“This is a great way to pass these stories down from generation to generation. One thing we like about Community Curation is that a lot of families are coming in together and we have multiple generations bringing their items in.

There may be a grandmother and a grandchild and that grandchild may not know the full history of the family, so as they go through the photos, they’re talking about what great-grandpa was wearing and where he came from or what great-grandma did to her hair and what school she went to,” said Williams.

The National Museum of African American History and Culture decided to visit Chicago on its third Community Curation stop due to the immense African American history that exists here as a result of the Great Migration which saw hundreds of thousands of black people move from the south to resettle in Chicago between 1916 and 1970.

“Chicago is one of those points of intense African American migration. The things that we’re looking for are stories of migration, business building, community building, educational institutions, and all those wonderful things that Chicago has a host of when it comes to African American History and Culture,” said Williams.

To learn more about Community Curation visit www.communitycuration.org.

Young Adults Exposed to Incarceration as Children Have Higher Odds of Future Depression, PTSD Young adults with childhood history of both parental incarceration and juvenile justice involvement were nearly three times more likely to have depression or post-traumatic stress disorder (PTSD) compared to peers without any experience with the criminal justice system, according to a study published in JAMA Network Open. They also were nearly twice as likely to have anxiety compared to young adults without childhood exposure to incarceration.

“This is a particularly vulnerable and understudied population. Incarceration impacts families across generations, and youth who had a parent in jail or prison more often find themselves in the juvenile justice system,” says lead author Nia Heard-Garris, MD, MSc, a pediatrician at Ann & Robert H. Lurie Children’s Hospital of Chicago and Instructor of Pediatrics at Northwestern University Feinberg School of Medicine.

“Young adults with histories of both juvenile incarceration and parental incarceration as children had a strong association with poor mental health outcomes in young

adulthood.”

Five million U.S. children have had a parent incarcerated, and those children are estimated to be involved in the juvenile justice system at three times the rate of their peers without a history of parental incarceration.

To examine the association between childhood history of incarceration (parental incarceration plus juvenile justice involvement) and mental health outcomes, Dr. Heard-Garris and co-lead author, Kaitlyn Sacotte, MD, a former medical student at Northwestern University Feinberg School of Medicine and current pediatric resident physician at Oregon Health Science University, and colleagues, used data from the National Longitudinal Study of Adolescent Health to Adult Health.

Out of 13,083 participants, 1,247 (9 percent) had childhood history of parental incarceration, 492 (4.5 percent) had juvenile justice involvement, and 141 (1 percent) had a childhood history of both parental incarceration and juvenile justice involvement.

Black individuals accounted for

“YOUNG ADULTS WITH HISTORIES OF BOTH JUVENILE INCARCERATION AND PARENTAL INCARCERATION AS CHILDREN HAD A STRONG ASSOCIATION WITH POOR MENTAL HEALTH OUTCOMES IN YOUNG ADULTHOOD.” NIA HEARD-GARRIS, MD, MSc Pediatrician, Ann & Robert H. Lurie Children’s Hospital of Chicago and Instructor of Pediatrics at Northwestern University Feinberg School of Medicine.

over 33 percent of participants who reported both parental incarceration and juvenile justice involvement, and Latinx participants accounted for over 17 percent.

“Our analyses highlight that a history of both parental incarceration and juvenile justice involvement occurs for 1 out of every 100 U.S. children overall and is disproportionally more common among youth of color,” says Dr. Heard-Garris.

Although Black and Latinx individuals were more highly represented, researchers found that the group with dual incarceration exposure had higher odds of poor mental health outcomes that are independent of other factors, such as race or ethnicity, age, family structure, parental education, receipt of public www.thechicagocitizen.com

assistance, and residence in the city, suburbs or rural areas.

The researchers additionally found that a history of parental incarceration or juvenile justice involvement alone was also associated with worse mental health outcomes compared to peers without incarceration exposure.

“Currently parental incarceration is considered an adverse childhood experience, but juvenile justice involvement is not,” says Dr. Heard-Garris. “Given the increased risk for poor mental health outcomes we found in our study, perhaps we should also consider juvenile justice involvement an adverse childhood experience and start screening youth for any incarceration exposure during typical healthcare visits. This would allow us to further support

Nia Heard-Garris, MD, MSc

vulnerable patients by connecting them with appropriate resources.”

Research at Ann & Robert H. Lurie Children’s Hospital of Chicago is conducted through the Stanley Manne Children’s Research Institute.

The Manne Research Institute is focused on improving child health, transforming pediatric medicine and ensuring healthier futures through the relentless pursuit of knowledge.

Lurie Children’s is ranked as one of the nation’s top children’s hospitals by U.S. News & World Report. It is the pediatric training ground for Northwestern University Feinberg School of Medicine. Last year, the hospital served more than 212,000 children from 49 states and 51 countries.

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BUSINESS

Gaining real-world business experience at UIC’s Starbucks University of Illinois at Chicago business majors Safaa Sarefian, Rosemary Arevalo and Matt Carey are quickly learning that top-shelf brands like Starbucks will attract crowds from sunup to sundown — and if any entrepreneur is to succeed, he or she must be ready for them.

The seniors are involved in helping run the new Starbucks store in the Academic and Residential Complex, which opened to students this fall.

The Starbucks store, which celebrated its grand opening Sept. 3, is located near the intersection of Harrison and Peoria streets.

Alexandre da Silva, associate vice chancellor for student affairs, said he hoped students would take advantage of the opportunity to frequent the coffee shop and that it is a special partnership with the College of Business Administration. He pointed to the role it will have on campus, saying that it represents a “visionary approach” by Vice Chancellor for Student Affairs J. Rex Tolliver.

“What is really special about this particular store is not only the national brand that we all recognize but the ingredients of having a staff that is, in its vast majority, students of UIC,” da Silva said.

Sarefian, Arevalo and Carey are part of the inaugural group who are

UIC students Matt Carey (from left), Rosemary Arevalo and Safaa Sarefian at the grand opening of the Starbucks in the Academic and Residential Complex at UIC. Photo Credit: Jenny Fontaine

working at the coffee shop as part of an independent study program focusing on entrepreneurship. Most of the workers, except for the manager and assistant manager, are students.

As part of their course load this semester, the students in the independent study program were involved in helping set up the store from the very beginning and had a hand in everything from hiring new

staff to helping manage the day-today operations.

“Every day, from 7 in the morning until 6 at night, it’s just a nonstop line out of the door,” said Carey, a student in information and decision sciences from Aurora.

Charles Farrell, executive director of business development for UIC, said the aim of the endeavor is to provide a “real-life” business situation for

students, warts and all. Students were brought in during the spring semester to begin preparing for the opening.

They took part in on-site training in the new store by Starbucks trainers. They also were involved in hiring a full-time manager and assistant manager. The students in the independent study program have and will continue to help the manager and assistant manager train new baristas as they get hired. The students quickly realized that running a store can be difficult — especially with staffing.

“That’s part of management too — you hire someone and you think, ‘That’s wonderful; I’m done,’ and then they quit, and you’re like, ‘Oh no,’” Farrell said. “That’s the whole point of all this, rather than sit in a classroom or being taught in a theoretical way by someone who

owns a business, they’re right in there seeing the good, the bad and the ugly of what being an entrepreneur is all about — it’s not easy.”

That’s what appealed to Sarefian, a marketing major from Skokie.

Eventually, he wants to start his own business, but he knew the best thing for him before he got to that point was to learn how to start a business from scratch.

“I believe it’s great exposure to the real world; it’s part of a class, yet we get to interact with real situations, problems and we get to solve them,” Sarefian said.

Farrell said that one key takeaway that he hopes students are left with is that entrepreneurs must be flexible and creative problem-solvers. Even though the Starbucks brand is among the strongest out there, there will always be problems.

“That’s why this is such a good lesson for these folks; you really couldn’t pick a stronger brand right now than Starbucks, and then they see all of the challenges — we’ve had staffing challenges, we’ve had equipment challenges…that’s part of the learning for the students,” Farrell said.

And even though Arevalo, a business administration major from Chicago, has been involved in the hard work so far, she said she’s still focused on starting her own business and maybe even competing against Starbucks after she graduates.

“I love the entrepreneurship process of how to create a business, how to open your own business, and I feel that this is the best opportunity for me,” she said. “My dream is to open a business in the coffee industry to export coffee to the United States and open my own brand.”

DOI Helps Illinois Life Insurance Consumers Collect More than $15 Million in 2019 The Illinois Department of Insurance can help you find out if you’re owed a portion of the millions of dollars in life insurance benefits that go unclaimed every year. So far in 2019, IDOI has helped consumers find and collect more than $15 million from lost or unclaimed life insurance policies.

According to a press release, an estimated 1-in-4 life insurance policies go unpaid when an insured person dies because family members aren’t aware a policy exists, don’t know which company issued it, or can’t find the paperwork.

It’s already the law in Illinois that insurance companies must attempt to locate the beneficiaries of deceased policyholders when life insurance

proceeds remain unpaid, but IDOI makes it simple for consumers to search on their own.

Here in Illinois, you can check for unclaimed life insurance policies at these sites: • IDOI: https://insurance.illinois. gov/Applications/LifePolicyLocator/ • Illinois State Treasurer: https:// icash.illinoistreasurer.gov/ • National Association of Insurance Commissioners (NAIC) Life Insurance Policy Locator: https://eapps.naic.org/life-policylocator/#/welcome If you need additional assistance, please contact the Illinois Department of Insurance at DOI.LifePolicyLocator@ illinois.gov or call (866) 445-5364.

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CITIZEN | Chatham Southeast | Week of Sept. 18, 2019

Chicago Football Classic 2019 Game Day Highlights Community Children Afforded Opportunity To Attend The 2019 Annual Football Classic At Soldier Field

Ashanti Boone of PNC

Tiffany Marshall family and neighborhood children show off their tickets while saying "thank you" to the Citizen Newspaper for making it possible for them to attend the 2019 College Football Classic. Photo by: Fannie McCullough

lds Trustee lympia Fie Photo by O , tz a M J. s.

Cassandra issioner Debra Sim m D D with Com E CR

It was all smiles in the ComEd Suite during the Chicago Football Classic. Pictured left to right are: Cory Foster, ComEd, Angel Prez, ComEd, Melissa Washington, ComEd and Michael Fountain, Ambassador to Bahamas. Photo by CREDD

A few members of the Wendell Phillips High School Football Team pose saying "thank you" to Citizen Newspaper for making it possible for us to attend the game.

"It was super!"

Photo: Fannie McCullough

The Wendell Phillips Band with its Band Leader Ms. Toni Elliott saying "thank you" to The Citizen Newspaper for making it possible for them to attend the game. For some of them it was the first time being in Soldier Field! Photo by: Fannie McCullough

Wendell Phillips High School students saying "thank you" to The Citizen Newspaper for making it possible for them to attend the 2019 Hampton Vs. Howard College Football Classic. Photo by Fannie McCullough

Mayor Lori Lightfoot poses for a photo with CFC Game goers! Photo by CREDD

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FASHION For Online Reviews, Shoppers Believe a Pretty Face

Cole Haan Teams Up With Rodarte To Disrupt High Fashion With Innovation Cole Haan, the iconic American lifestyle brand and retailer has announced its collaboration with famed, independent fashion house Rodarte. Laura and Kate Mulleavy, the sisters behind Rodarte, have put their signature aesthetic on Cole Haan’s groundbreaking Grand Ambition collection that sets a new standard for women’s dress footwear and handbags. Cole Haan and Rodarte have come together to tell a story of two brands united by a common desire for continuous innovation.

“The ethos of Cole Haan speaks to everything that we do. When you’re designing, it’s always about innovating and trying to think outside the box to create something new and create a dream that you take people into,” says Kate Mulleavy, co-founding designer of Rodarte.

September marks the first collection of the collaboration, with Grand Ambition silhouettes including Pumps, Booties, Shoeties, Slip-On Sneakers, Satchels and Circle Bags, all incorporating pops of True Red, Bubblegum Pink, Optic White and Black colorways in addition to embossed croc leather, neoprene and lace detailing. Cole Haan’s breakthrough engineering combined with Rodarte’s high-fashion design makes for a bold collaboration for extraordinary women.

“We wanted to collaborate with Cole Haan because they are such an innovative company that really values the same things we do in terms of design and pushing the boundaries of what is expected in the landscape of fashion. We

were really impressed by the level of innovation that Cole Haan infuses into their product in order to deliver unparalleled comfort,” notes Laura Mulleavy, co-founding designer of Rodarte.

In true Rodarte evolution, the November collection features a romantic and soft color palette applied to Cole Haan’s Grand Ambition Bootie, Lace-Up Sneaker, Circle Bag and Bucket Bag styles.

Each silhouette is embellished with perforated hearts, while the Bucket Bags are adorned with playful bows, just in time for the holiday season. All footwear styles utilize Cole Haan’s GRANDFØAM technology for superior comfort and flexibility, while the Grand Ambition handbags provide ultimate functionality, perfect for pairing together or even doubling up.

“When Cole Haan set out to create this revolutionary women’s collection, we knew we had to partner with Rodarte. Kate and Laura’s independent spirit is singular in the world of fashion. In their capable hands, Cole Haan and Rodarte, together, have delivered an alchemy that blends beauty and engineering in a way that hasn’t been achieved before,” adds Cole Haan’s Chief Marketing Officer & GM of Business Development, David Maddocks.

The Cole Haan x Rodarte capsule collection is available on ColeHaan. com and in US and select international Cole Haan stores with additional styles launching in November. The collection is priced from $190-$240 for footwear, and $248-$398 for handbags.

Kate and Laura Mulleavy, Founding Designers of Rodarte

Cole Haan x Rodarte Circle Bag in Bubblegum Pink, $258 and Pump (75MM) in Black - Bubblegum Pink - True Red, $200

Cole Haan x Rodarte Pump (75MM) in White Croc Print - White Lace, $200

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Beauty is truth – or at least, that’s what consumers sifting through online reviews seem to think.

New Cornell University research has found that people are more inclined to be swayed by positive recommendations posted online by attractive reviewers.

The finding – consistent with ample research showing that, in real life, beautiful people are believed to be more intelligent, likable, competent and trustworthy – has implications for marketers or social media managers seeking to save us from making superficial judgments.

“You have to teach people to be more mindful of what’s written in the review than the picture that’s next to it,” said Marie Ozanne, assistant professor of food and beverage management in the School of Hotel Administration and first author of the study.

Around 92% of online shoppers read online reviews before placing orders, and consumers are 23 times more likely to trust customer-generated content than marketer-generated copy, market research has found. Yet few studies have explored how real-world biases impact our online interactions.

“More often than we think, we are replicating our offline behavior online, and we don’t know the impact of all our general offline thinking on our online thinking,” Ozanne said. “Hopefully, understanding it can help us be more conscious about it and find ways to focus more on the information that matters.”

Though consumers were more influenced by positive reviews by attractive people than those posted by less-attractive people, the same did not hold true for negative reviews. This, Ozanne said, is likely because negative reviews require people to think more deeply about their decisions, and once they are thinking more carefully, unconscious cues such as the attractiveness bias become less persuasive.

The study also found that the gender of the reviewer didn’t impact the attractiveness bias.

To conduct the study, the researchers used a photo-editing tool to modify profile pictures of seven men and seven women, chosen from a database. They asked 119 adults, via crowdsourcing, to evaluate the physical attractiveness of each of the people on a scale of 1-10.

They then used the modified pictures to accompany an array of positive and negative reviews of a midrange hotel, taken from a Facebook fan page and given a fake name. In two separate studies, around 600 people were asked to answer survey questions about the hotel after reading reviews from attractive and less-attractive posters.

They found that people had a higher opinion of the hotel when the positive review was written by an attractive reviewer, despite the presence of negative reviews.

Ozanne suggested social media sites could add language reminding people to focus on the content of a review. This could cause them to think more deeply about it, potentially counteracting the bias.

The paper “Are Attractive Reviewers More Persuasive? Examining the Role of Physical Attractiveness in Online Reviews,” published in July in the Journal of Consumer Marketing and was co-authored with Stephanie Q. Liu of Ohio State University and Anna S. Mattila of Pennsylvania State University.

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NEWS

Tackling the Housing Affordability Crisis StatePoint - As housing prices soar nationwide, a growing number of Americans are unable to find affordable housing. Experts say that the problem has reached a crisis point, and is harming the welfare not only of individuals and families, but of communities and the economy at-large.

Since 2012, housing prices have increased by 53 percent, according to the Federal Reserve Bank of St. Louis. Unfortunately, salaries have not kept pace. The Joint Center for Housing Studies at Harvard University reports that 18 million Americans commit more than 50 percent of their income toward a safe place to live.

America needs 7 million units of affordable housing, according to a March 2019 National Low Income Housing Coalition report, which also found that no state has enough affordable rental inventory.

“America’s housing affordability crisis isn’t restricted to cities on the East and West coasts.

Families in rural, suburban and urban areas in all 50 states are sacrificing necessities like food, healthcare and education in order to make rent or mortgage payments,” says Brandee McHale, president of the Wells Fargo Foundation.

“Only when people can afford to live in their neighborhoods can communities thrive.”

America needs 7 million units of affordable housing, according to a March 2019 National Low Income Housing Coalition report, which also found that no state has enough affordable rental inventory.

Recognizing the extent of the problem, non-profits, think tanks and corporations are stepping in to find solutions that will unlock housing options for more Americans and reduce the cost burden of housing. One largescale effort underway is being spearheaded by Wells Fargo and the Wells Fargo Foundation.

Drawing on its resources and expertise, the company is working in collaboration with public- and private-sector organizations to

develop and implement new solutions in communities of need, and is committing a $1 billion philanthropic investment through 2025.

The $1 billion will be used to address multiple facets of the U.S. housing affordability crisis, including homelessness, available and affordable rentals, transitional housing and homeownership. Beyond this commitment, programs that increase financial literacy among individuals and create small business growth

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for local entrepreneurs round out an overall strategy to help people and communities find more financial stability.

This new philanthropic strategy comes on the heels of previous efforts designed to secure affordable housing for more Americans. Since 2012, Wells Fargo has provided charitable grants for homebuyers and homebuyer education through its philanthropic NeighborhoodLIFT, and other LIFT programs in collaboration with NeighborWorks America, creating more than 22,000 homeowners -- the majority from low- and moderate-income households -- through over $475 million in down-payment assistance grants. In addition, 10-year lending commitments are in place to help more than 170,000 African American and Hispanic individuals purchase homes.

“Financial stability starts with a place you can afford to call home, but to help more people find that, it’s going take all of us looking more holistically at the spectrum of housing needs,” says McHale.

As markets all over the country struggle with high housing prices, policymakers, advocates, philanthropists and non-profits will need to work together to find long-term solutions that will help millions of Americans meet their most basic needs.

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CLASSIFIEDS BID / Notice Barnard Soletanche Bessac JV (BSB) An Equal Opportunity Employer Requests subcontractor bids from qualified WBE/MBE Subcontractors and Suppliers for: Design-Build Services South Airfield Consolidation O’Hare International Airport OWNER: City of Chicago BID DATE: October 29, 2019 at 4:00 PM (CST) BID ITEMS: Earthwork/Excavation; Asphalt Paving; Site Security; Traffic Control; Office Maintenance; Materials Testing; Rebar Furnish & Install; Concrete ReadyMix; Concrete Pipe; Preconstruction & PostConstruction Surveys; Environmental Consulting; Tunnel & Site Survey; Geotechnical Instrumentation and Monitoring; Erosion & Sediment Control; Site Restoration; Muck Disposal; Reservoir Wall Support; Water Pumping/Pipeline; Electrical; Mechanical; Plumbing; HVAC; Trucking & Disposal; Hazardous Material Handling; Tunnel & Shaft Construction Safety; Equipment Rental; Heavy Equipment Mechanics; and Steel Fabrication for the Tunnel Liner.

PLANS AND SPECIFICATIONS: Contact Rivers Topping – Barnard Construction at PH: (406) 586-1995 or email: rivers.topping@Barnard-Inc.com for information on obtaining plans and specifications.

ASSISTANCE AND QUESTIONS: BSB will provide technical assistance as needed throughout the bidding process. We will work with subs and suppliers to develop a delivery schedule that accommodates the needs of subs and suppliers on non-critical work items. When economically feasible, we will divide total contract requirements into small portions to permit maximum qualified Minority Business Enterprises (MBE) and Women Business Enterprises (WBE) participation. Upon request, we will assist interested businesses in obtaining bonds, lines of credit and/or required insurance. Questions regarding assistance and bids should be directed to Rivers Topping at (406) 586-1995. Questions regarding obtaining bonds should be directed to Austin Neff at (760) 822-2184, or Austin.Neff@TheBondExchange. com. All bids should be faxed to (406) 586-3530 or emailed to bsbjv@Barnard-Inc.com.

PROPOSALS: We ask that all subs and suppliers complete this form and return to BSB as soon as possible indicating your interest in the Project. At this time we are asking all subs and suppliers follow the below schedule for submitting cost proposals to insure sufficient time to evaluate all proposals.

CITY OF CHICAGO or COOK COUNTY MBE/WBE CERTIFICATION FORM DUE BEFORE: September 27, 2019 SCHEDULE C AND SCOPE DUE BEFORE: October 11, 2019 BID DUE BEFORE: October 25, 2019 __________________________________

HELP WANTED JOB OFFER PERSONAL CAREGIVER ASSISTANT POSITION MUST HAVE DRIVER’S LICENSE CALL (773) 233-5678 ASK FOR PAUL CALL AFTER 6:00 P.M. __________________________________

MOTORCYCLES

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SERVICE

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TRAINING/EDUCATION AIRLINE CAREERS FOR NEW YEAR - BECOME AN AVIATION MAINTENANCE TECH. FAA APPROVED TRAINING. FINANCIAL AID IF QUALIFIED JOB PLACEMENT ASSISTANCE. CALL AIM 800-481-8312 __________________________________

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Janice Garth

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WHAT TO KNOW ABOUT FINANCIAL PLANNING CAREERS (StatePoint) Considering a career in financial planning? Those in the industry point out that financial planning provides opportunities to chart one’s own path, maximize growth potential, and maintain work-life balance.

Whether you strike out on your own or work at a firm, big or small, here’s what to know about some of the most common employers of Certified Financial Planner (CFP) professionals: • Registered Investment Advisory (RIA) firms. At RIAs, financial planners generally provide investment advice to, and manage the portfolios of, clients with high net worth.

• Wirehouses. These are full-service broker dealers that typically sell investment products to clients and provide varied services, including retirement planning and tax advice.

• National and regional broker dealers.

These firms offer similar services as wirehouses, but tend to be smaller. Those working there may buy and sell stocks, bonds, mutual funds or other financial products on behalf of their clients or for their own firm.

• Insurance broker dealers. Financial planning professionals at these firms, which are often owned by an insurance company, generally sell insurance products that are securities, such as variable annuities.

• Independent broker dealers. Many financial planners advise clients as independent contractors, rather than as a firm’s employee.

• Banks. Those affiliated with a specific bank will advise that institution’s customers.

• Self-employment. Roughly one in five personal financial planners opted for ultimate freedom and flexibility and were selfemployed in 2016, according to the Bureau of Labor Statistics (BLS).

Firm-specific career paths also provide opportunities for CFP professionals to grow from aspiring advisors into professionals who lead client relationships and financial planning teams. While these career paths vary somewhat by firm, they tend to follow a five-step progression: 1. Analyst. The entry-level position for CFP professionals.

2. Associate Advisor. These CFP professionals draft financial plans and develop analyses to be presented by the firm’s lead professionals.

3. Service Advisor. Many firms require CFP certification for this position, which

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focuses on communicating with clients and responding to their needs.

4. Lead Advisor/Managing Director.

Those in this role strategically manage client relationships, develop and implement a service methodology and guide clients through important financial planning decisions.

5. Principal/Partner. At this level, CFP professionals generally manage large teams of advisors and are responsible for their development; serve premier firm clients; contribute to firm growth; and have executive-level responsibilities.

Whatever option you choose, a financial planning career gives you the opportunity to make a difference in the lives of the people and families you serve, while building your own future. The BLS reports that financial planners earn a median pay of $89,000, and that jobs within the financial advisory industry will grow by 15 percent between 2016 and 2026, meaning that financial planning presents long-term career opportunities. A detailed guide to financial advisory career paths is available at:CenterforFinancialPlanning.org/CareerP aths. To learn more about how to become a CFP professional, visit cfp.net/become.

Before embarking on a financial planning career, get acquainted with the field to learn more about all the opportunities available. __________________________________

Managing Your Money Smart Ways To Save For Your Future (NAPSI)—According to the Federal Reserve Board, four in 10 adults, if faced with an unexpected expense of $400, would either not be able to cover it or would cover it by selling something or borrowing money. If you’re ever among them, or the 78 percent of American workers who live paycheck to paycheck, you can assist yourself. It can pay to consider these six hints that can help you save: 1. Know your numbers. Keep track of

where you spend your money. Include groceries, gas, utilities, entertainment, housing and debts.

2. Make tough choices. Distinguish between things you need (utilities, debt payments and rent) and things you want (vacations, eating out). Subtract what you have to spend on “needs” from your monthly income to determine what you have left for “wants.”

3. Pay yourself first. Have a percentage of each paycheck routed automatically into your savings account. Saving needs to be a priority—consider it a “need.”

4. Expect the unexpected. No matter how well you budget, life may throw the unexpected at you.

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5. Keep your stuff in shape. Similarly, keeping major appliances and vehicles in good condition can help you save.

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6. Comparison shop for financial products. Take the time to compare insurance policies, bank accounts, savings accounts and credit cards. For instance, there’s the new Unlimited Cash Back Bank Account,

by Green Dot Bank. With this account, Green Dot pays its cardholders a 3 percent cash back bonus when they make online or in-app purchases. People spend lots of money online at various websites and buy through apps, such as ride sharing, video streaming and meal delivery services, so getting an additional 3 percent cash back on the things you normally buy anyhow can add up.

What’s more, you can earn 3 percent annual interest when you save your money in the Green Dot Bank High-Yield Savings Account (Member FDIC)—higher than what many banks pay in annual interest. It’s free with the app and the interest earned is automatically added to your annual Cash Back Bonus amount.

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To sign up for the account or learn more about it, go to the Green Dot app or www.GreenDot.com. __________________________________

SUBURBAN TIMES WEEKLY

Citizen Newspaper Group Inc., (CNGI), Publisher of the Chatham-Southeast, South End, Chicago Weekend, South Suburban and Hyde Park Citizen and Citizen Suburban Times Weekly. Our weekly publications are published on Wednesday’s (publishing 52 issues annually). Written permission is required to reproduce contents in whole or in part from the publisher. Citizen Newspaper Group, Inc. does not assume the responsibility for nor are we able to return unsolicited materials, therefore they become property of the newspaper and can or will be discarded or used at the newspapers disgratation. Deadlines for advertising is every Friday at noon. Deadlines for press releases are Thursdays at 10 am prior to the next week’s edition. Please send information for the calendar at least three weeks prior to the event.

Send to: editorial@thechicagocitizen.com. For more information on subscriptions or advertising, call us at (773) 783-1251 or fax (872) 208-8793. Our offices are located at 8741 South Greenwood Suite# 107, Chicago, Illinois 60619.

12 | CITIZEN | Chatham Southeast | Week of Sept. 18, 2019

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