Chatham-Southeast Citizen 11-7-2018

Citizen ELECTION RESULTS INSIDE ON PAGE 6 Week of Nov. 7, 2018

| Vol. 54 | No. 32 | www.thechicagocitizen.com

CHATHAM SOUTHEAST

NEWS

Local Students Win $2,500 At National Entrepreneurship Competition

REWARDS OFFERED FOR MISSING WOMAN LAST SEEN IN THE CHATHAM AREA

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Kierra Coles, of Chicago who was last seen on Oct. 2 in the Chatham area on 82nd Street and Coles Ave. is still missing but authorities hope the offer of two rewards will bring her back home.

BUSINESS

Are You a Job-Seeking Veteran? What to Know PAGE 4

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REAL ESTATE Check out our real estate listings for important foreclosure information PAGES 7-10

Kierra Coles (pictured) is a missing 26-year-old woman from Chicago and a United States Postal Worker. The Chicago Police Department describes Coles as being 5-foot-4, 125 pounds, having black hair, brown eyes, and a medium brown complexion. Photo Credit: Provided by the Chicago Police Department.

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2 | CITIZEN | Chatham Southeast | Week of Nov. 7, 2018

NEWS briefly EDUCATION

NOBLE CHARTER PUBLIC HIGH SCHOOLS RANKED BEST IN CPS Chicago Public Schools recently released the 2018-2019 school quality ratings. Noble charter public high schools earned 10 of the top 15 ranking slots, including all four of the top spots as measured by the School Quality Rating Policy (SQRP). Of the schools that rounded out the top 15, three schools were selective, test-in schools, and two accept only students with certain GPAs and attendance records. Noble schools are public and open to all students in Chicago, there is no testing required for admission, and just as with all CPS schools, tuition is free.

Among all Noble campuses, 89% were ranked 1 or 1+ (16 of 18), and Noble’s average SQRP rating is 4.13 which equates to a level 1+ average rating overall.

HEALTH

IL DEPARTMENT ON AGING ASSISTS SENIORS FOR MEDICARE OPEN ENROLLMENT The Illinois Department on Aging’s (IDoA) Senior Health Insurance Program (SHIP) is reminding seniors of the free counseling assistance available to Medicare-eligible individuals and their caregivers during Medicare Open Enrollment occurring now through December 7th.

SHIP is not affiliated with any insurance company, and counselors do not sell or solicit any type of insurance. SHIP counselors in the field help seniors and people with disabilities on Medicare understand the options available to them. They also educate and answer questions about Medicare plans and options.

SHIP counselors work through the Medicare.gov system to help seniors and people with disabilities make the best choices for their individual situation. Contact SHIP, by calling 1-800-252-8966, weekdays 8:30 a.m. - 5:00 p.m. For more information about SHIP, including a list of SHIP locations, visit the website at: http://www.illinois.gov/aging/ ship/Pages/default.aspx.

LAW & POLITICS

OBAMA HEADS LIST OF MINORITY TRAILBLAZERS The nation’s first African-American president heads the list of minority trailblazers selected in the Illinois Top 200 project, followed by two Native American rivals, a Chicago mayor and a groundbreaking diplomat and cabinet secretary. Barack Obama, who rose from community organizer to senator to president during his time in Illinois, was the top pick in online voting conducted as part of the celebration of the state’s 200th birthday.

The Top 200 project lets Illinoisans vote every two weeks on the state’s most inspiring leaders, greatest inventions, top businesses and much more. By the state’s bicentennial on Dec. 3, voters will have chosen 10 favorites in 20 different categories – the Illinois Top 200.

Voting in the next category, top leaders, is underway at www.IllinoisTop200.com.

Rewards Offered For Missing Woman Last Seen In the Chatham Area Continued from page 1

BY KATHERINE NEWMAN

Kierra Coles, of Chicago who was last seen on Oct. 2 in the Chatham area on 82nd Street and Coles Ave. is still missing but authorities hope the offer of two rewards will bring her back home.

Information from the Chicago Police Department describes the 26-year-old female as being 5-foot-4, 125 pounds, and having black hair, brown eyes, and a medium brown complexion.

“Based on the length of time of Kierra Coles disappearance and the fact that she has fallen off the grid, police suspect possible foul play. We continue to get leads and are following up diligently on those leads,” the Chicago Police Department said in an

official statement.

Prior to her disappearance, Coles worked for the United States Postal Service as a letter carrier. Although she was not on duty during the time of her disappearance, the United States Postal Inspection Service is assisting in the investigation and offering an award of up to $25,000 for information that will help them find Coles.

“I can confirm that the Postal Inspection Service is offering a reward of up to $25,000 for information leading to her whereabouts,” said Julie Kenney, public information representative for the United States Postal Inspection Service out of the Chicago division. “She was not on duty at the time of her disappearance and the Chicago Police department is the lead on this investigation but we are assisting with their investigation.”

“One of the highest priorities we have as postal inspectors is protecting postal employees and the post office. When an office is robbed or a member of our postal family is attacked, we take it seriously. We investigate all leads until we capture the offender,” said Guy Cotrell, the chief postal inspector for the U.S. Postal Inspection Service.

The National Association of Letter Carriers is also offering a $3,500 reward for information leading to the discovery of Coles’ whereabouts.

Anyone with information about where Coles might be, should call the Area South Special Victims Unit at (312) 747-8274, the U.S. Postal Inspection Service at (877) 8762455, or the National Association of Letter Carriers Branch #11 in Chicago at (773) 624-4209.

Serena Williams Joins Common For Creative Minds Talk In Chicago

BY KATHERINE NEWMAN

Chicago-born rapper, Common, and world-renowned tennis star, Serena Williams, recently came together in Chicago for a Creative Minds Talk at the Lyric Opera, 20 N. Upper Wacker Dr. During the event, the pair shared details about their experiences with activism, philanthropy, entrepreneurship, and gave insight into their day-to-day lives.

“Serena and Common are philanthropists who are passionate about supporting education, providing resources for victims of violence, and they will continue to fight for equality,” said Leslie Pappas, executive director of the Common Ground Foundation, one of two beneficiaries of this Creative Minds Talk.

Creative Minds Talks are a series of monthly events that feature high profile guests from various backgrounds and professions like fashion, design, architecture, art, music, film, literature and dance. During the event, the bright minded guests sit together and partake in a captivating live conversation that engages, educates, and entertains the audience, according to the Creative Minds Talks website.

“The impact of this event was felt by everyone in attendance.

The conversation between Serena and Common was inspiring as it gave us the personal perspectives of their stories. They shared some

Chicago rapper, Common (pictured), and tennis superstar, Serena Williams, recently sat down for a Creative Minds Talk in downtown Chicago to discuss activism, philanthropy, and entrepreneurship. In this photo, Common is at a signing for his book One Day It’ll All Make Sense in Tribeca, Manhattan, in 2011. Photo Credit: Luigi Novi / Wikimedia Commons.

of the most important ways they have used their platform for good and how they’ve both given a voice to those who struggle to be heard,” said Pappas.

During the event, Williams said that she plans to continue to use her platform as a professional athlete and her celebrity status to

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empower people.

“Because of technology, we have a real way to affect and change people even if it is just simply to use my voice and be heard for once. There are a lot of people that don’t have a voice and aren’t able to be heard and I have a platform where people can hear me. Being

a woman and being black there is so much that I represent and there are so many people that look like me and they don’t have that voice,” said Williams.

Over 10 years ago, the Common Ground Foundation was founded by Common, an Academy Award winning artist, actor, and author who grew up on the south side of Chicago. Today, the organization is able to reach high school students through mentoring and college preparation programs with a focus on healthy living, financial literacy, character development, and creative expression, according to the Common Ground Foundation Website.

“The mission of the Common Ground Foundation is to empower our youth to become future leaders.

Having two incredible leaders onstage talking about their personal journeys and responsibility to give back was directly aligned with our vision as an organization. We want every child to know that they have the ability to effect change in their own lives, their communities, and in the world at large,” said Pappas.

Proceeds from the ticket sales of this event benefited the Common Ground Foundation as well as the Yetunde Price Resource Center.

For more information on upcoming Creative Minds Talks, visit creativemindstalks.com. To learn more about the Common Ground Foundation visit commongroundfoundation.org.

CITIZEN | Chatham Southeast | Week of Nov. 7, 2018

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3

NEWS

Local Students Win $2,500 At National Entrepreneurship Competition

BY KATHERINE NEWMAN

After competing against student-entrepreneurs in New York City, five young people from Chicago were awarded $2,500 for their business idea, DesignAhhJeans, at the Network for Teaching Entrepreneurship’s (NFTE) national competition.

NFTE is a national non-profit with a Chicago Metro branch that works with local teachers and students in under-resourced communities to activate the entrepreneurial mindset.

Throughout the year, NFTE works with students to build business skills and every year those skills are put to the test at the National Youth Entrepreneurship Challenge.

New to this year’s national competition was the Entrepreneurship 2 event, in which the students who created the business plan for DesignAhhJeans were named the runners-up and awarded $2,500.

“We congratulate this year’s winners and commend all the competitors. Participating in our national finals is an accomplishment whether or not you take home the top prize. It’s a highly demanding, highly competitive day of back-to-back pitching. They’re an extraordinary group of young people, who demonstrate the kind of creativity and initiative it takes to be a successful entrepreneur,” said Shawn Osborne, president and CEO of NFTE. At the national competition, the students were judged by professional business owners. The idea for DesignAhhJeans was created and presented by Hasan Lipscomb, Antonio Finley, TyVon Jones, Yetunde Arogundade, and Diate

Jackson. Their plan features a business capable of customizing jeans based on the unique styles of their clients.

“I think that one of the greatest challenges, when it came to presenting the team’s business idea at the national competition, was the thought of whether our business idea can engage the judges and the audience. When presenting, you got to be in a clear state of mind and prepared for whatever and you got to have an audience that is actually paying attention to your presentation,” said Jackson.

Lipscomb said that his biggest fear going into the competition was losing and having to leave New York City with nothing to show for the hard work that he and his team had put into their business plan.

Even though the team ended up not winning first place in their competition, they were proud to be named the runner-up.

“I honestly feel gratified that we got a chance to go to New York City and show off our business and presentation skills.

Even though I didn’t win first place me and my team still walked with a significant amount of money, and I was grateful for that,” said Jones.

Overall, the students were thankful for the opportunity to present their business plan and to visit New York City.

“I am very grateful and thankful for the opportunity to be able to pitch our business and the winning of the $ 2,500.

Thanks to that money we are able to invest back into our business and grow our business,” said Arogundade.

To learn more about NFTE’s programs visits www.nfte.com.

Local Network for Teaching Entrepreneurship students Hasan Lipscomb, Antonio Finley, TyVon Jones, Yetunde Arogundade, Diate Jackson (pictured left to right) recently won $2,500 to support their business idea, DesignAhhJeans. Photo Credit: Network for Teaching Entrepreneurship

Target exit will leave a hole on the South Side

BY WENDELL HUTSON

Contributing Writer

Almost twice a week Toy Whiteurst said she goes to the Target store in Chatham to shop and get some exercise from walking.

“This is a big store so you’re going to do a lot of walking if you come here,” said Whiteurst. “I don’t mind all the walking because it’s exercise for me. I love coming here to shop because I get some good deals and I don’t have to leave my neighborhood to spend my money.”

But her weekly routine will change come February 2, 2019 when Target Corp. plans to close its Chatham store, 8560 S. Cottage Grove Ave., and Morgan Park store, 11840 S. Marshfield Ave., along with four other stores nationally.

“Our decision to close the stores at 11840 S. Marshfield Ave. and 8560 S. Cottage Grove Ave. is based on the performance of the stores and is not about a neighborhood or geography,” Jacqueline DeBuse, a spokeswoman for Target Corp., told the Chicago Citizen. “(And before closing a store) Target takes into account many factors, including the performance and profitability of a store over several years.”

The 126,000-square-foot Chatham store opened in 2002 and employs 120 people, according to DeBuse. And the 128,000-square-foot

Morgan Park store opened in 2008 and employs 115 people. Employees will be given the option to transfer to another area store, added DeBuse.

After the closures, Target will have 19 Chicago stores remaining including three on the South Side in McKinley Park, Archer Heights and Hyde Park. Two more Chicago stores are planned to open by 2020 in Rogers Park and Logan Square, said DeBuse.

“Target is continuing to invest in Chicago and the surrounding area, including completing 18 remodels in 2018 and opening a handful of new stores,” explained DeBuse. “And our commitment to the Chicago community is ongoing. In 2017, Target donated $3.9 million in cash and product donations to area non-profits, performed more than 11,000 volunteer hours and donated more than 510,000 pounds of food in Chicago.”

Following the closures Target, which owns both buildings, plans to “actively market the buildings for sale,” added DeBuse.

The future use of the Chatham store is a big concern for the Chatham Business Association.

“Chatham is a very savvy community and will not support a business it does not want,” said Melinda Kelly, president of the CBA. “(For example) I don’t think the community would support a beauty supply store at that location.”

The nonprofit CBA was instrumental in

advocating for a Target store when it opened a Chatham store 16 years ago, and “we would like to be part of the conversation when it comes to Target leaving the community,” added Kelly.

Local organizations like the Greater Chatham Alliance worry what will happen to the Chatham store if the building remains vacant for a long time.

“We [Chatham community] don’t want our shopping area to experience the same effects the 71st and Jeffrey mall went through [in 2014] after losing an anchor store,” said Richard Wooten, a retired Chicago police officer who is now president of the Greater Chatham Alliance. “The Target closure will not only take away jobs and revenue from the community, but also put a strain on our seniors and families seeking household and personal goods within our community.”

While the Chatham store sits in the city’s sixth ward, which is represented by Alderman Roderick Sawyer, chairman of the City Council’s Black Caucus, its closure will also affect other nearby neighborhoods like Grand Crossing and Calumet Heights, which is represented

by Alderman Michelle Harris (8th).

“Although Target is not in the eighth ward, we will be working closely with Alderman Roderick Sawyer as well as Mayor Rahm Emanuel’s office,

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to identify and recruit one or more businesses that can take over the Target space,” said Harris. “(And) I have no doubt a number of citizens will have ideas for how the building should be repurposed and we welcome those thoughts.”

The Morgan Park store is located in the 34th Ward on the Far South Side and is represented

by Alderman Carrie Austin.

“Target’s abrupt decision appears to lack empathy for the faithful patrons in this region who not only came to depend on them but kept them viable for the decade it occupied the space,” said Austin. “We are now left scrambling to identify a vendor that will offer quality, competitive products and services in a timely manner, so as not to adversely impact other stores.”

And any business won’t do, said South Side shoppers.

“It seems like the only businesses attracted to the South Side are beauty supply, cell phone and Dollar stores or a fast-food restaurant or convenience stores that sell alcohol,” said Malik Robinson, 46, who lives in West Pullman and who shops at the Target store in Morgan Park.

“I do a lot of shopping at that mall and Target is conveniently located there. I just hope whatever store takes over that space that is it is something needed in the black community and not a business we already have an abundance already.”

4 | CITIZEN | Chatham Southeast | Week of Nov. 7, 2018

BUSINESS Are You a Job-Seeking Veteran? What to Know StatePoint - With the veteran unemployment rate at a record low, many who have served in the military are now in the driver’s seat when it comes to civilian job hunting. This is in part because employers understand that veterans bring a wealth of translatable skills and experience to the workforce, including leadership, teamwork and attention to detail.

“For veterans, the right employer is one who values the leadership, discipline and service record of military members and veterans,” says Jerry Quinn, Wells Fargo Military Affairs Program manager. “They seek an employer that goes above and beyond to empower them to succeed in and out of the workplace.” Wells Fargo, which established its Military Affairs Program in 2012, is an example of an employer committed to hiring and retaining veteran team members. A variety of job options, confidential resources, educational information and career guidance tools are available to those who served.

In fact, eligible team members called to active duty receive military leave benefits and other programming designed to mitigate the burden on their families. Are you a job-seeking veteran? Before accepting an offer, find out whether your potential employer values veterans’ contributions to the workplace.

“Start by asking the hiring manager or human resources contact what benefits and programming are offered,” suggests Quinn. “You’ll quickly get a feel for the company culture.” To help get the conversation started, Quinn suggests the following topics of discussion: • Growth opportunities. Is this position one on track for promotions and raises? Does this company offer resources and support to employees looking to grow? Discover what your future at this company could look like • Development programs. From apprenticeships and internships to transition services and leadership programming, ask about opportunities that will offer a chance to make new contacts, find a mentor, develop professional skills and learn

MONEY MATTERS

M Are you a job-seeking veteran? Before accepting an offer, find out whether your potential employer values veterans’ contributions to the workplace.

how to translate existing skills to a new position.

• Employee resource groups (ERGs). ERGs can provide resources, opportunities and camaraderie to employees.

Find out if the company has a similar group for veterans • Diversity. Is this a company that values diversity, particularly when it comes to veteran status and disabilities? Will the employer accept your veteran status and value it as an asset?

• Benefits. Beyond military leave, are benefits available that provide supplemental pay and continued healthcare when individuals are called to active duty? Research whether the company offers additional fringe benefits to ease the burden of being away on active duty. For example, some employers provide lawn mowing and snow removal to those away from home on military orders. More information about career transition services and the type of workplace benefits offered to veterans are available at wellsfargojobs.com/military. Remember, military skills and experience is an asset to employers. Hold out for a position that will value what you bring to the table through tangible workplace benefits and programming.

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give all the information needed to any businesses begin with make an equity change statement. a vision, but many cannot 4. Cash Flow Statement. This build a financial plan to document states how money is used bridge that vision with reality. The within the operations, investing, and problem may be that entrepreneurs financing sectors of a company and do not understand the financial the ROI of each of those sectors. benefit they get out of a financial 5. Notes to Financial Statements. plan. Instead of implementing an Lastly, write notes that explain idea with a solid logical foundation, any necessary concepts for many entrepreneurs conceive of the statements, such as which an idea and then pursue that idea formatting process or laws were without researching enough to justify it. By shooting from the hip like this, an entrepreneur may be throwing away opportunities for success. If entrepreneurs focus on developing their financial plan before taking immediate action, they may be able to figure out if that action is worth continuing. Financial Credit: Ministr/Bigstock Education Benefits Center (FEBC), a used. This is the place to explain membership benefits company, why the budget should work. This offers resources that may help may be useful for anyone who entrepreneurs plan and improve is looking at the budget, such as their business. auditors.

"Having a clear measurement of your own financial ability is the first By understanding these step in improving your financial documents, a company can assess ability," said Jennifer Martinez, its strengths, weaknesses, and Manager at FEBC. "A strong position relative to other companies. financial plan can be used to point An entrepreneur can use these out what you are accomplishing, documents to see what needs to be show what needs to be cut, and can cut, modified, or emphasized. A give you a chance to see financial company can also compare itself to opportunities before they appear." its competitors since their financial However, a financial plan should statements are public knowledge. also help the company assess its If the company spots something strengths and weaknesses. The plan unknown in a competitor's might begin with a sales forecast, financial statement they may be continue with financial statements, able to examine that information to and end with a decision of what discover their competitor's financial to do next. The sales forecast is tricks. FEBC members have access often useful to evaluate the current to some of the documents needed to market and determine any weak make such financial plans whenever spots. When making a prediction of they wish. things to come, try to account for Financial statements can anything, then review the financial directly increase the income of a prediction later and see what was company.

Revealing a powerful missing or what changed; this is a financial statement may convince good way to notice how things can be improved. The following financial investors that a company is worth investing in, causing the interest statements may be valuable: and stock of the company to rise.

In this way, a financial statement 1. Income Statement. This directly affects a company's value document states how much is being and should be considered an made compared to how much is annual necessity. being lost.

"A company's financial plan 2. Balance Statement. This becomes its bottom line," said document states what assets are Martinez. "The strength of a providing equity and which are business is often measured through liabilities. its budget and financial statements, 3. Equity Change. This document and FEBC members have access to should state whether a company has some of those and more through gained or lost equities in the last year. The last two documents should their member portal." www.thechicagocitizen.com

CITIZEN | Chatham Southeast | Week of Nov. 7, 2018

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5

NEWS

Wait, What? Scholarships Are Taxable? government revenue in the short term, but it’s short-sighted,” says financial aid expert Mark Kantrowitz. “The federal government benefits financially long-term when students graduate and have the potential to earn more taxable income.”

StatePoint - Everyone knows about scholarships. They’re no-strings-attached money to help students pay for their higher education.

Right?

Usually, but not always. In some cases, there are significant strings attached -- including situations in which scholarships are treated as taxable income. While unusual, it’s important for students, their families and scholarship providers to understand all the implications.

TAX STATUS The tax status of scholarships first codified in 1954 was simple: for students pursuing a degree, all scholarships, fellowships and grants were tax-free. But later legislation specified portions of a scholarship could be taxed if it is considered “fees for services,” or if it’s used for living, travel or research expenses.

What’s more, scholarships for non-degree-candidates are also taxable. As professional certifications and certificate programs become vital to certain industries, experts say these laws put non-traditional students at risk of a heavy tax burden.

THE IMPACT Some experts say taxing scholarships comes at a cost for students and scholarship providers and even the federal government.

The tax status of scholarships first codified in 1954 was simple: for students pursuing a degree, all scholarships, fellowships and grants were tax-free. But later legislation specified portions of a scholarship could be taxed if it is considered “fees for services,” or if it’s used for living, travel or research expenses.

“For students, it can harm their ability to pay for their education,” says Robert C. Ballard, president and CEO of Scholarship America, the nation’s largest nonprofit scholarship and education support organization. “For providers wanting to make the biggest charitable impact, it can make providing scholarships less attractive than alternative philanthropic efforts.”

With most federal financial aid calculations

based on the pre-tax value of the scholarship, students risk a shortfall in aid. All of this has a disproportionate impact on low-income students. Those from the bottom income quartile spend the largest percentage of family income on higher education; almost half of that money is spent on the non-tuition costs for which scholarship awards are taxable.

“Taxing scholarship funds may increase

SHOULD THEY BE TAXED? Kantrowitz, along with Scholarship America’s Despina Costopoulos Emerson, say restoring scholarships’ tax-free status will help certificate- and degree-seeking students, and those who must work out of necessity, pursue their education without undue financial burdens.

To learn more about taxing of scholarships visit blog.scholarshipamerica.org.

“Scholarship America and our partners are in ongoing talks with members of Congress, and we hope to see some progress on initiatives that will ensure qualified scholarships are available to students to pay the full cost of education and allow scholarships to be used, tax-fee, to pay for room and board, transportation and other college-related expenses,” says Ballard.

“In the meantime, students and their families should research the specifics of all grants, scholarships, fellowships and tuition waivers they are offered in order to understand the true value of their financial aid package after taxes and plan accordingly.”

6 | CITIZEN | Chatham Southeast | Week of Nov. 7, 2018

NEWS

Democrat Pritzker Cruises To Victory In Illinois Governor’s Race

BY KATHERINE NEWMAN

In one of the most expensive governors races in Illinois history, 478,103 (61.2%) voters, at the Chicago Citizen Newspaper’s press time, have selected JB Pritzker as the new Governor of Illinois. The Pritzker Campaign raised over $176 million with a majority of that money coming from Pritzker himself. Similarly, incumbent Republican Illinois Governor Bruce Rauner, who called Pritzker to concede just before 8 p.m. on election day, raised over $79 million for his reelection campaign, according to Illinois Sunshine, a tool for browsing political contributions in the state of Illinois.

Along with Pritzker comes a new lieutenant governor, Juliana Stratton who is a lifelong Illinoisan and the first black woman to hold this role. Together, Pritzker and Stratton have campaigned on improving education, balancing the state’s budget, restoring and rebuilding social services in Illinois, and protecting healthcare.

ATTORNEY GENERAL After former Illinois Attorney General Lisa Madigan announced she would not run for reelection, three candidates Kwame Raoul, Erika Harold and Bubba Harsey ran in the general election for Attorney General of Illinois on November 6. Raoul, a Democratic candidate campaigned on platforms that included protecting the environment, standing with workers, fighting public corruption, and criminal justice reform. Republican Candidate Harold, positioned herself as the last line of defense for republicans in Illinois based on the assumption that there would be a democratic governor taking office, and Libertarian candidate, Bubba Harsey, was motivated to run for Attorney General of Illinois after seeing the abuse and unconstitutional tax burdens the state government was inflicting on working class people in Illinois, according to his campaign website.

Raoul is the presumed winner of the Illinois Attorney General Election and was leading with 61.5% of the reported votes in Illinois compared to the Harold, who had 36.2% of the votes and Harsey who had 2.4% of the votes at the Chicago Citizen Newspaper’s press time.

OTHER PRESUMED WINNERS AT PRESS TIME INCLUDE, Secretary of State Jesse White (D) - 74.2%

The new Illinois governor, JB Pritzker (pictured). Photo Credit: Provided by JB for Governor

Metropolitan Water Reclamation District Commissioners - Unexpired 2-Year Term Kimberly Neely Dubuclet (D) - 77.2%

State Representative, 30th District William “Will” Davis (D)

County Treasurer Maria Pappas (D)

State Representative, 33rd District Marcus C. Evans (D)

County Assessor Frederick “Fritz” Kaegi (D) - 76.3%

State Representative, 34th District Nicholas “Nick” Smith (D)

County Commissioner 4th District Stanley S. Moore (D)

Comptroller Susana A. Mendoza (D) - 67.1%

Metropolitan Water Reclamation District Commissioners - Unexpired 2-Year Term (vacancy of Bradford) M. Cameron “Cam” Davis (D) - 79%

Treasurer Michael W. Frerichs (D) - 64.7%

County Assessor Frederick “Fritz” Kaegi (D) - 76.3%

State Representative, 38th District Debbie Meyers-Martin (D)

County Commissioner 5th District Deborah Sims (D)

State Senator 14th District Bobby L. Rush (D) - 77.6%

Unopposed candidates include,

President of County Board Toni Preckwinkle (D)

County Commissioner 6th District Donna Miller (D)

County Clerk Karen A. Yarbrough (D)

County Commissioner 3rd District Larry Rogers, Jr. (D)

State Senator 15th District Robin Kelly (D) - 84.5% Metropolitan Water Reclamation District Commissioners - Full 6-Year Term Debra Shore (D) - 26.5 % Kari K. Steele (D) - 23.6% Marcelino Garcia (D) - 21.8%

State Senator 17th District Emil Jones, III (D) State Representative, 28th District Robert “Bob” Rita (D) State Representative, 29th District Thaddeus Jones (D)

County Sherrif Thomas J. Dart (D)

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CITIZEN | Chatham Southeast | Week of Nov. 7, 2018

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CITIZEN | Chatham Southeast | Week of Nov. 7, 2018

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CLASSIFIEDS SERVICE

The Impact Some experts say taxing scholarships comes at a cost for students and scholarship providers and even the federal government.

“For students, it can harm their ability to pay for their education,” says Robert C. Ballard, president and CEO of Scholarship America, the nation’s largest nonprofit scholarship and education support organization. “For providers wanting to make the biggest charitable impact, it can make providing scholarships less attractive than alternative philanthropic efforts.”

With most federal financial aid calculations based on the pre-tax value of the scholarship, students risk a shortfall in aid.

All of this has a disproportionate impact on low-income students. Those from the bottom income quartile spend the largest percentage of family income on higher education; almost half of that money is spent on the non-tuition costs for which scholarship awards are taxable.

“Taxing scholarship funds may increase government revenue in the short term, but it’s short-sighted,” says financial aid expert Mark Kantrowitz. “The federal government benefits financially long-term when students graduate and have the potential to earn more taxable income.”

Should They Be Taxed?

Kantrowitz, along with Scholarship America’s Despina Costopoulos Emerson, say restoring scholarships’ tax-free status will help certificate- and degree-seeking students, and those who must work out of necessity, pursue their education without undue financial burdens.

To learn more about taxing of scholarships visit blog.scholarshipamerica.org.

“Scholarship America and our partners are in ongoing talks with members of Congress, and we hope to see some progress on initiatives that will ensure qualified scholarships are available to students to pay the full cost of education and allow scholarships to be used, tax-fee, to pay for room and board, transportation and other college-related expenses,” says Ballard. “In the meantime, students and their families should research the specifics of all grants, scholarships, fellowships and tuition waivers they are offered in order to understand the true value of their financial aid package after taxes and plan accordingly.”

SERVICE

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MONEY Are Millennials in Good Financial Shape?

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EDUCATION Wait, What? Scholarships Are Taxable?

(StatePoint) Everyone knows about scholarships. They’re no-strings-attached money to help students pay for their higher education. Right?

Usually, but not always. In some cases, there are significant strings attached -including situations in which scholarships are treated as taxable income. While unusual, it’s important for students, their families and scholarship providers to understand all the implications.

Tax Status The tax status of scholarships first codified in 1954 was simple: for students pursuing a degree, all scholarships, fellowships and grants were tax-free. But later legislation specified portions of a scholarship could be taxed if it is considered “fees for services,” or if it’s used for living, travel or research expenses.

What’s more, scholarships for nondegree-candidates are also taxable. As professional certifications and certificate programs become vital to certain industries, experts say these laws put non-traditional students at risk of a heavy tax burden.

(StatePoint) Now comprising the largest percentage of the workforce, millennials report that their parents did not give them much guidance about investing and many are not confident they are saving enough for the future.

According to a new PNC Investments Millennials & Investing survey, this demographic largely agrees that while they learned about saving money at a young age, they did not receive as much guidance from their parents about building wealth through investing. Financial experts say that this knowledge gap could prove challenging for this segment of the population in the long-term.

“The money mindset that many millennials adopted during their childhood could derail their long-term financial goals,” says Rich Ramassini, CFP, senior vice president, PNC Investments. “When it comes to building wealth over the long-term, investing is a critical component that should not be ignored.” __________________________________

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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.

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12 | CITIZEN | Chatham Southeast | Week of Nov. 7, 2018

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