Chicago Weekend Citizen 12-13-2023

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WEEKEND

Week of December 13, 2023

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Dominique Bryant founded Dream Academy Foundation in 2018 and hosted her first Holiday Party and Toy Giveaway in 2019. PHOTO PROVIDED

BY DOMINIQUE BRYANT.

DREAM ACADEMY FOUNDATION

CONTINUES TO GIVE BACK TO THE COMMUNITY Dominique Bryant is the founder of Dream Academy Foundation.

PHOTO PROVIDED BY DOMINIQUE BRYANT.

Dominique Bryant founded Dream Academy Foundation five years ago because she wanted to provide a solution to some of the issues that young people were facing. She wanted to give back to the next generation. P2

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BUSINESS COQUAL RELEASES NEW FINDINGS FROM ITS BLACK EQUITY INDEX P4 FREE | VOL 54 | ISSUE 51

Beauvince Unveils The Iconics, an Exquisite High Jewelry Collection for the Holiday Season P8

ANNOUNCING THE 2024 YOUNGARTS AWARD WINNERS P10

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NEWS

briefly GOV. PRITZKER CELEBRATES OPENING OF META’S DEKALB DATA CENTER The campus builds on Illinois’ thriving data center ecosystem CHICAGO – Governor JB Pritzker joined local elected officials, Meta leadership, and business and academic leaders to celebrate the opening of Meta’s Data Center in Dekalb. The data center is now fully operational and is supported by 100% renewable energy.

“As Illinois grows its status as a technology hub of the future, this data center is bringing investment and vitality to a newly thriving community,” said Governor JB Pritzker. “We’re thrilled that Meta is committed not just to continuing to build a successfully company, but also to lifting up the people of this entire region.”

Meta also announced a partnership with Northern Illinois University to support the NIU Barb City STEAM Studio that is designed to increase college and career readiness for DeKalb High School students.

The new program will support students interested in engineering, robotics, and other STEM fields with the goal of creating opportunities for underrepresented communities.

The DeKalb Data Center is now serving traffic, interfacing, and connecting with a global infrastructure of data and technology hubs connecting people across the world. Its construction created over 1,200 skilled trade jobs that contributed to the 2.3 million square foot campus. The fully operational facility will support over 200 good-paying jobs in the DeKalb community and represents an investment of more than $1 billion in the state of Illinois.

Meta also has upcoming projects in DeWitt and Morgan counties, and the three data centers will cumulatively add 300 megawatts of renewable energy to Illinois.

The new campus builds on Illinois’ thriving data center industry, supported by the Pritzker administration’s data center incentives. Currently, four of the largest data center campuses in the nation are being built in Illinois, creating thousands of jobs and investing billions in the state.

REP. ROBIN KELLY CELEBRATES $45,000 AMERICORPS AWARD FOR GOVERNORS STATE UNIVERSITY University Park, Ill. – Congresswoman Robin Kelly (IL-02) celebrated a $45,180 federal grant awarded to Governors State University to support a new AmeriCorps VISTA project.

Governors State University’s VISTA project will double the current capacity of the Jaguar Jumps program, which serves students with disabilities, and provide wrap-around services to 650 veterans. In addition to these funds, AmeriCorps will also provide education scholarships to AmeriCorps VISTA members to support college tuition, vocational training, and student loan repayment.

The People’s Music School to Perform “Winter Spectacular,” a Heartwarming Holiday Concert at Historic Riviera Theatre in Uptown The People’s Music School, Chicago’s largest 100% free music school serving black and brown communities, believes in the power of music to spark joy and change lives. This holiday season, you can experience a heartwarming day of musical magic at the Winter Spectacular, a holiday concert presented by The People’s Music School.

On Sunday, December 17, at 10 a.m. nearly 300 K-12 students will gather at the historic Riviera Theatre in Uptown to perform in The People’s Music School’s Winter Spectacular. The two-part concert will feature a wide range of musical performances, from jazz standards and string ensembles, to holiday tunes and choral pieces. The event is free and open to the public.

No registration is required. Event details can be found at peoplesmusicschool.org/winterspectacular.

The People’s Music School provides widespread access to these benefits with their 100% tuition-free model, allowing students who otherwise wouldn’t be able to afford it to gain an intensive music education.

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Dream Academy Foundation continues to give back to the community Continued from page 1

BY TIA CAROL JONES

Bryant comes from a large family and she believes it takes a village to raise a child.

In developing Dream Academy Foundation, she thought about all the things she does for her nieces and nephews and how she shows up for them.

In 2019, Dream Academy Foundation hosted its first Holiday Party and Toy Giveaway. This year, the 5th Annual Holiday Toy Giveaway will take place on Saturday, Dec. 16, at the DoubleTree Oak Brook.

Dream Academy Foundation takes a holistic approach to its “dreamers.” The young people are taught about life skills, public speaking and goal setting. The co-ed organization services young people Dream Academy Foundation has development and mentoring programs as well as an apprenticeship program. PHOTO PROVIDED BY DOMINIQUE BRYANT. ages 10-24 years old.

“Part of our motto is we empower youth to Dream It, ship with Trellus and runs from September to May. With Believe It and Achieve It. So, all of our youth understand the students in the development and mentoring program, how to set a goal and reach it,” Bryant said. there is a focus on identity and purpose.

Since Dream Academy Foundation began in 2018, Bryant loves serving and loves giving. The winter it has impacted more than 4,000 young people. Dream months are her favorite time of the year. She was doAcademy Foundation provides development and mentoing holiday parties and giving with her job. She wanted ring for young people age 10-18. For young people 16-24, to give back to her community where she grew up in there is a career readiness internship and apprenticeship Bellwood. The first toy giveaway took place in the Mayprogram. There also are social engagement projects. The wood-Bellwood and more than 150 young people were organization also holds afterschool and Saturday proimpacted. gram as part of its mentorship program.

Bryant is expecting more than 1,000 people to attend Six students attended the most recent 10-day trip this year’s event. There will be more than 100 volunteers to Ghana which was a cultural, educational and social for the event. There is a waitlist for the event. She is curengagement trip. During the trip, the students partnered rently looking for donations and volunteers. This is the with a school for the deaf and blind where they donated second year Doubletree Oak Brook has been a participatsporting equipment and planted trees. ing partner. Children get to pick out their own toys and The students in the career readiness internship and the hope is they will also get a diverse book. There will be apprenticeship program learn end-to-end nonprofits, vendors, games and entertainment for the children and event planning, sponsorships and partnerships. They their families. also learn how to network and connect and understand For more information about Dream Academy Fountheir purpose and they create their personal brand, with dation, visit www.dreamafoundation.org. an elevator pitch. The internship program is a partner-

Toy Donations Needed—One of Chicago’s Oldest Charity Toy Drives Still Serves Hundreds of Children CHICAGO — Marillac St. Vincent (MSV) Family Services has been holding its Annual Christmas Store Event in East Garfield Park for more than 60 years—an exciting holiday tradition for many Chicago families in need. Each year, more than 250 parents, grandparents and caregivers who are part of MSV’s programs are offered the opportunity to participate. A host of volunteers staff the merchandise and food areas, assist shoppers, restock tables, wrap gifts and load cars.

This year, registered families will arrive at scheduled

times on Saturday, December 16, to shop the selection of donated toys, books, games, stuffed animals and stocking stuffers. In addition, families can choose to receive a turkey and various side-dish ingredients they can use to prepare a traditional holiday meal for their families.

“The Christmas store means a lot to me and my family,” commented MSV parent Cortland Williams.

“I’m a single mother of four, and that store really helps me out. The Christmas store doesn’t just provide toys, it also provides coats, hats, gloves and food—the stuff my

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NEWS

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CONGRESSMAN DANNY K. DAVIS’ ANNOUNCE “TECHNOLOGY IN THE PARKS” FEDERAL LEGISLATION “The “Technology in the Parks Act of 2023” is a crucial step in bridging the technological divide and promoting education and skill development in our communities”

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SUBURBAN TIMES WEEKLY Bloom Township, Chicago Heights, Flossmoor, Ford Heights, Glenwood, Homewood, Lansing ,Lynwood, Olympia Fileds, Park Forest, Sauk Village, South Chicago and Steger Citizen Newspaper Group Inc., (CNGII), Publisher of the ChathamSoutheast, 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 press release information to: editorial@citizennewspapergroup.com. For more information on subscriptions or advertising, call us at (773) 7831251 or fax (872) 208-8793. Our offices are located at 8741 South Greenwood Suite# 107, Chicago, Illinois 60619.

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Chicago – Congressman Danny K. Davis, 7th District of Illinois joined by Rosa Escareño, General Superintendent, Chicago Park District convened a press conference to announce “Technology in the Parks Act of 2023” legislation.

According to the National Recreation Park Association’s 2023 report: More than 280 million people in the United States visited a local park or recreation facility at least once during the past year 7 in 10 U.S. residents have at least one local park, playground, open space, or recreation center within walking distance of their homes*.

This legislation propels the United States communities one step closer to free internet.

Davis said, “I believe that this legislation aligns with the nation’s commitment to fostering innovation, education, and community development. This legislation, once passed, will contribute to building a more technologically inclusive society, ensuring that the benefits of advancements reach all corners of our community.”

The major components of the legislation are: Firstly, expand the FCC E-rates program to include local parks. This initiative is crucial

in bringing broadband access to these community spaces, aligning with the program’s existing coverage for schools and libraries.

Secondly, the legislation aims to specifically include local parks in the U.S. General Services Computers for Learning Program. This will provide parks with access to computer equipment that federal agencies have identified as excess property, facilitating technological advancements and digital literacy in our communities.

Lastly, the legislation will require the U.S. Department of Labor to implement a program that provides grants for technology training programs in local parks.

This supports skill development and ensures that local parks hosting such programs are eligible for E-Rate support, creating a more connected and tech-savvy environment for all.

Davis said, “The “Technology in the Parks Act of 2023” is a crucial step in bridging the technological divide and promoting education and skill development in our communities. By extending E-Rate support to local parks, we empower these spaces to become hubs for technology training, creating opportunities for skill acquisition in areas such as coding, cyber security, digital manufacturing, and more.”

TOY DONATIONS... Continued From Page 2 family really needs. I’m very grateful for that store. Also, the people who work there and the ones who volunteer are very nice and make you feel welcome.”

Donors can help in three ways: 1. Donations of toys purchased through MSV’s Amazon Gift List, 2. Direct donations of new toys, 3. Or through financial gifts.

Toys are selected for children from birth to 12 years old: Age categories are 0-4 years, 5-8 years and 9-12 years.

Note: Due to the ongoing violence that plagues the communities they serve, MSV requests no donations of weapon-like toys (e.g., no foam or plastic toy guns, water guns, etc.). For toys purchased through MSV’s Amazon Gift List, choose “MSV Christmas Store—Attn: Marjorita Brewer” in the shipping section, and gifts will be shipped directly to

MSV. Monetary gifts will help MSV purchase additional toys and grocery items for the food bags, as well as wrapping paper, tape, ribbon and other supplies that make the Christmas Store event possible.

Marillac St. Vincent Family Services is a 501(c)(3) charitable organization (EIN 36-2109717), and all donations are tax-deductible. For more information, visit MSV’s Christmas Store website.

Marillac St. Vincent Family Services has been dedicated to the well-being of Chicagoans for over 100 years. Serving thousands of individuals through early childhood education, youth enrichment, senior services and community outreach, we are building vibrant communities in Chicago. To learn more and for information on how to get involved, visit us at www. marillacstvincent.org.

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POLITICAL AFFAIRS

TREASURER PAPPAS URGES OWNERS TO PAY LATE PROPERTY TAXES TO AVOID UPCOMING TAX SALE AS 22,884 OWE LESS THAN $1,000 Cook County Treasurer Maria Pappas urges property owners who have not paid property taxes that were due in 2022 to act quickly to avoid the Annual Tax Sale.

To find out if your property is on the Annual Tax Sale list: • Go to cookcountytreasurer.com • Use the purple box on the home page labeled “Your Property Tax Overview” and search using an address or Property Index Number (PIN) • A banner with an urgent warning will appear if your property is on the Annual Tax Sale list.

You may also use the website to correct your mailing address. Each year the U.S. Postal Service returns thousands of certified notices sent to owners of properties on the Annual Tax Sale list because property owners have not kept their mailing addresses up to date.

The Annual Tax Sale will occur Jan. 9-12, 2024, for properties with unpaid 2021 property taxes due in 2022. The Annual Tax Sale occurs 13 months after the due date.

Owners of 52,401 properties owe more than $236 million in taxes that were due in 2022. Nearly 30,000 owe more than $1,000 while 22,884 owe less than $1,000, including owners of 15,944 properties in Chicago and 6,940 parcels in suburban Cook County.

The Treasurer’s Office is mailing certified notices alerting property owners their unpaid taxes are to be offered for sale, which would put a lien against their properties. It is the first step in a process that can end with a property owner losing their home, business or land. Besides the mailings, the Treasurer’s Office will publish lists of properties with delinquencies tax lists in local newspapers.

Payment can be made in five ways: Online for free at cookcountytreasurer.com In person at any Chase Bank location in Illinois.

In person at any of more than 100 community banks where you have an account By mail In person at the Treasurer’s Office Homeowners also can use the website to make sure they are receiving exemptions for which they qualify. Examples include the Homeowner, Senior Citizen and Senior Freeze exemptions.

Investors buy delinquent tax debt during the Annual Tax Sale. The Annual Tax Sale does not involve the sale of actual properties.

By law, the Treasurer’s Office cannot and does not give legal advice related to tax sales. You are strongly advised to seek an attorney’s advice relating to any sale of your taxes. If your taxes are sold your options include redeeming your taxes, seeking a Sale-in-Error Declaration or filing a statutory “Redemption Under Protest.”

Visit cookcountytreasurer.com for more information about property taxes sold at the Annual Tax Sale.

4 BUSINESS C It’s always the right time to plan for retirement This page is sponsored by

CONTENT SPONSORED

BY JPMORGAN CHASE & CO.

Whether you’re just entering the workforce or plan to stop working in a few years, it’s never too early – or too late – to save for retirement.

Ideally, retirement planning and saving should start as soon as you get your first paycheck, but it’s easy to focus on more pressing expenses in your 20s, 30s and 40s, like paying for a house or raising children. By your 50s or 60s, however, you might feel you haven’t saved enough to avoid worrying about financial security in retirement.

There’s always time to make changes. Consider these options to protect your assets, build credit, and maintain and grow your investments for a financially worry-free future.

Start with the basics No matter your age or current financial status, the following steps are the foundation of most retirement plans.

• Begin with a 401(k). If available, consider joining your employer’s retirement plan, like a 401(k). You can set up automatic deposits each pay period, and many employers will match your financial contributions, giving you more funds for the future.

• Consider opening an IRA. Find out if you’re eligible for an individual retirement account (IRA) and consider contributing what you can. You can have an IRA in addition to an employer-based plan.

• Put your money to work. A general investment account has the potential to grow your savings even more.

Play catch up Understanding your current financial picture and planning for benefits, like Social Security and pensions, are important steps to figuring out how much income you may have in retirement.

If you’re nearing your projected retirement date and you don’t think you have enough saved to maintain your current or desired lifestyle, here are a few considerations to help get you in a better position.

• Make catch-up contributions. Many tax-advantaged retirement savings accounts, like IRAs and 401(k)s, allow catch-up contributions for people 50 and over. That means you can contribute more than the government-set maximum each year, up to a certain amount, to make up for what you didn’t contribute in the past.

• Make sure you have adequate insurance. In ad-

Weekend | Week of December 13, 2023

dition to making sure your life insurance is current, look into long-term care and disability insurance before you retire to save money on future health care costs.

• Consider your home equity as part of the equation. If you plan to remain in your home, a home equity line of credit may be another option to fund certain expenses in retirement. If you choose to downsize to a smaller home, it may free up cash in your home’s equity for you to use.

• Tap other sources of income and equity. Do you have taxable brokerage accounts or other general savings? Include these funding sources, if you have them, when projecting how much you’ll have in retirement.

• Keep working. A growing number of people are working in semi-retirement and developing portfolios that produce passive income. Some might continue working full-time for longer than planned to build more savings.

If you can generate enough income and are able to wait until age 70 to claim Social Security, it may allow you to maximize benefits over your lifetime.

Make a plan No matter your current financial situation, set aside some time to review your options. There are many helpful tools, including articles, calculators and financial advice from professionals, to help you craft a roadmap to transition to your years in retirement.

Planning for your unique situation may help you get closer to where you want to be in retirement, even if you don’t feel that you’re there yet.

For more information and online retirement articles, tools and calculators, visit chase.com/retirement.

COQUAL RELEASES NEW FINDINGS FROM ITS BLACK EQUITY INDEX NEW YORK, PRNewswire -- Coqual, a leading global think tank, today released a new white paper with the results of its second annual Black Equity Index (BEI), a benchmarking tool created for companies to drive measurable change, track true progress, and demonstrate their commitment to racial equity in the workplace.

Coqual finds most (86%) companies that participated in the BEI are concerned about the outcome of the US Supreme Court Affirmative Action case, and its implications for workplaces. Compared with last year, companies’ involvement in the Diversity, Equity & Inclusion conversation is diminishing from the public eye—with its risk of public and legal scrutiny—and some are shrinking their investment in DE&I teams.

“Despite the recent attacks on DE&I initiatives nationwide, companies have maintained ongoing efforts to improve equity in the workplace,” said Coqual CEO Lanaya Irvin. “Participating PRNewsFoto companies are committed to driving racial equity, transparency, and are dedicated to making meaningful strides in the workplace.”

Established in 2022, the BEI harnesses the power of data to create opportunity for Black professionals and measures an organization’s efforts in six domains: accountability, advancement, representation, investment, sustainability, and public engagement. Informed by Coqual’s decades of research and DE&I expertise, the white paper presents actions within each domain that companies can take in the complex pursuit of diversity, equity, and inclusion.

More than 40 companies participated in Coqual’s second annual BEI survey, representing a diverse group of the corporate sector — both small and large public and private companies from industries such as healthcare, tech, banking, and retail. The number of participating companies nearly doubled from the BEI’s inaugural year, indicating that corporate America is working hard to improve their DE&I efforts.

BEI KEY DATA & FINDINGS: Representation: Building Black representation at every level of an organization is critical to moving DE&I efforts forward. Representation continues to lag and ranks as one of two BEI domains most in need of improvement.

Fewer than 2 in 5 BEI participating companies have 10% or greater Black representation in their workforce.

Only 7% of people managers—and only 3% of executives—are Black.

Black professionals are more likely to be represented in HR and support functions. On average, 13% of support professionals and 12% of HR employees are Black.

Half of BEI participating companies have surpassed 10% Black representation at the Board of Directors’ level. Yet one in eight companies (13%) still do not have a single Black board member.

Accountability: Companies PRNewsfoto/Coqual must hold their leaders accountable for the state of DE&I as they do for other business priorities. Transparency is transformative— and Coqual finds opportunities within the accountability domain for companies to be more vocal about the great equity work they are already undertaking.

Nearly 7 in 10 (67%) participating companies include a DE&I-related focus in C-suite performance evaluations.

Fewer companies (58%) hold leaders to this level of accountability by considering workforce diversity in performance evaluations.

Even fewer still (44%) tie C-suite pay to progress on diversity metrics.

Investment: Companies must back their commitments with tangible resources. Deepening and sustaining investment in DE&I is integral to rooting out inequity and ensuring that inclusion is a top priority throughout the organization.

Nearly all respondents (81%) have an organization-wide DE&I task force, council, or working group that is separate from their DE&I team.

Of companies that provide anti-bias training, 5 out of 10 companies (55%) make it mandatory for senior leaders.

Coqual’s 2023 BEI results indicate great progress, as well as great opportunity for increased investment. This is not the time to slow down. Coqual suggests the following data-based actions for leaders to use moving forward. As always, Coqual’s corporate guidance is backed by decades of intersectional, deep-dive research and advisory work and thought leadership on diversity, equity, and inclusion.

Recommendations include: Study and champion sponsorship. Get clear on the critical distinctions between mentorship and sponsorship,

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and work towards building a culture of sponsorship. Sponsorship programs should be monitored for effectiveness and refined accordingly.

Recruit from the top down. Pay attention to your board, your executives, your people managers, and other key positions of power within your organization. If Black professionals are concentrated at entry level, and siloed in certain positions, the work is not done.

Disaggregate, always. While overall representation numbers may seem positive, Black professionals may be overconcentrated in certain roles and lack access to others, as our BEI results show. Companies should aspire to reflect the regions in which they operate, and in certain parts of the country, Black representation far exceeds 14%.

Get high-tech. BEI companies share that they are tapping into technology to help make their recruitment and hiring processes more equitable. Leverage the growing body of technology built to help the mission of diversity, equity, and inclusion—but of course, vet it critically and thoroughly.

Connect with Black youth. In addition to college recruitment, invest in and improve representation long-term by partnering with schools, and grassroots and nonprofit programs that serve Black youth.

Companies can sign on to learn more and participate by emailing BEI@coqual.org Methodology: The 2023 Black Equity Index is an annual survey that captures information on diversity, equity, and inclusion efforts focused on Black professionals.

This computer-assisted survey was fielded online between February and May of 2023. A total of 43 companies submitted completed forms. All information was provided by representatives from respective companies and relied on voluntary, self-report data. Activities associated with instrumentation, fielding, and analysis were conducted by Coqual, an independent, nonprofit research organization.

Additionally, each company that submitted a completed interview received an individual company scorecard documenting their standing across each of the six BEI domains.

Weighted calculations of domain totals were applied for a maximum index score of 180. Response items that were left blank were treated as missing or non-applicable. The findings presented here are descriptive in nature and do not attempt to make any inferences about the programming impact of participating companies, or their related outcomes.

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Congresswoman Robin Kelly, Senator Durbin Lead Congressional Support for ATF Proposed Rule to Expand Background Checks WASHINGTON, D.C. – Congresswoman Robin Kelly (D-IL) and U.S. Senate Majority Whip Dick Durbin (D-IL), Chair of the Senate Judiciary Committee, led letters signed by over 160 Members of Congress in support of a proposed rule by the Bureau of Alcohol, Tobacco, Firearms and Explosives (ATF) titled “Definition of ‘Engaged in the Business’ as a Dealer in Firearms.” This proposal utilizes provisions in the Bipartisan Safer Communities Act (BSCA), passed in 2022 and signed into law by President Biden, to expand background check requirements for gun sellers not previously classified as a Federal firearm licensee (FFL).

The proposed rule will expand the definition of “engaged in the business” of dealing firearms to anyone who sells firearms to earn a profit, requiring them to register as an FFL and perform background checks. By doing so, this rule will close potential loopholes that allow individuals to avoid background checks. The initiative aligns with the overarching goal of the BSCA, to prevent gun violence and create safer communities.

“The Bipartisan Safer Communities Act was a historic step forward to prevent gun violence and make our communities safer for everyone. The proposed ATF rule to clarify and strengthen background check requirements honors the spirit of the BSCA and will help prevent guns from falling into the wrong hands,” said Congresswoman Robin Kelly. “I am proud to lead my colleagues in support of the rule and reflect our unwavering commitment to public safety. I will continue to support robust efforts to strengthen gun violence prevention laws and invest in communities.”

“Too many families have mourned the loss of a loved one – children, parents, friends – because of the rampant gun violence in this country. We must implement further gun violence prevention measures, including ensuring that everyone who purchases a gun passes a background check. Under existing law, certain gun sellers can evade the requirement to perform background checks, potentially allowing firearms to fall into the wrong hands,” said Durbin. “I’m joining my colleagues in support of ATF’s proposed rule to close that loophole and require gun dealers to do their due diligence and conduct background checks on their buyers.”

“For the first time in three decades, Congress came together to address the American crisis of gun violence by passing the Bipartisan Safer Communities Act,” McBath said. “With this proposed rule, we have the opportunity to take another step towards strengthening our background check system and closing dangerous loopholes that put our communities at risk. I thank my colleagues for their support. Together, we continue to speak up to save lives.”

“Closing loopholes that gun sellers use to avoid background checks is an essential step towards ensuring that people who are a danger to themselves or others are not able to purchase firearms.

I’m proud to work with gun violence prevention leaders like Robin Kelly and other members of the Gun Violence Prevention Task Force on moving towards universal background checks. This rule will help us save lives and keep our communities safe from the scourge of gun violence, and I look forward to a continued partnership with ATF to close loopholes and crack down on bad actors seeking to exploit our laws,” said Rep. Mike Thompson.

“The Bipartisan Safer Communities Act was an urgent response to the gun violence epidemic that continues to shatter families and communities — and it’s critical we seize this historic legislation, which is a necessary first step in gun safety reform, to help save lives,” Rep. Dean said. “The ATF’s proposed rule builds on our legislation to close potential loopholes in firearm sales. I’m grateful for Congresswoman Robin Kelly for leading congressional support of this ATF rule.”

“America’s current background check system is riddled with loopholes, to the point where it’s like having two security lines at the airport—one where people are required to be screened, and one where people can stroll through carrying whatever guns they want. You can guess which line the criminals prefer. Closing the online and gun show loopholes will keep weapons out of the hands of dangerous people and save lives. We thank Representative Kelly and Senator Durbin and all of the signatories to this comment, and we urge the Administration to urgently finalize their proposed rule as written,” said John Feinblatt, President of Everytown for Gun Safety.

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WEEKEND

WE’RE SAVING YOUR CHILD'S SEAT Our early learning programs offer: Quality education Healthy meals Parent support Supportive community Free for eligible families!

Grant your child a high-quality education from Illinois Action for Children.

Contact us to learn if you’re eligible for free child care at 708-365-1500 or visit: earlylearning.actforchildren.org/enroll-now.

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Overflow Action Day alerts remind you to reduce water use before, during and after rainstorms.

WATCH FOR THIS BADGE

THEN TAKE ACTION!

Delay showers and baths

Wait to run the dishwasher or washing machine

Flush less frequently

To sign up to receive email or text alerts, scan this QR code or visit mwrd.org.

Gov. Pritzker Celebrates Gold Star Tree Lighting Ceremony SPRINGFIELD – Governor JB Pritzker joined active duty military members, veterans, and Gold Star families at the Abraham Lincoln Presidential Library and Museum for the Gold Star Tree Lighting ceremony.

“The State of Illinois stands with our Gold Star families today and every day,” said Governor JB Pritzker. “In both joyous and sorrowful moments, we commemorate, remember, and celebrate alongside these families. We are forever grateful for their sacrifice and proud to honor the memory of our state’s fallen heroes. It’s this legacy of giving that marks the holiday season.”

The ceremony pays tribute to Illinois’ veterans, fallen heroes, and their families. Governor Pritzker joined the families in decorating and lighting a tree as a symbol of gratitude and remembrance. The Gold Star families in attendance at the ceremony were able to place a commemorative ornament on the tree in honor of their loved ones.

“Today we speak the names and honor the sacrifices of our fallen servicemen and women, and our military families,” said Lt. Governor Juliana Stratton. “Their light is truly never gone because it lives on in these families. May we always remember those who gave their lives in service to our county and hold their families in hearts during this holiday season.”

Biden-Harris Administration Prepares for Third Student Debt Relief Negotiation Session The U.S. Department of Education releases updated proposed regulatory text that would provide much-needed debt relief to student borrowers across the country The Biden-Harris Administration today took another step in its continued efforts to provide financial relief to significant numbers of student loan borrowers with the release of an updated copy of proposed regulatory text. The proposals build on the Biden-Harris Administration’s actions to date to provide student loan borrowers with much-needed breathing room.

Already the Administration has approved a total of $127 billion in student debt relief for 3.6 million borrowers through a variety of actions.

The U.S. Department of Education (Department) will discuss the proposed text released today with its committee of non-Federal negotiators December 11 and 12. This meeting is the next required public step before the Department is able to start working on draft rules, which will be released for public comment next year. In addition, the Department continues to consider relief options for borrowers experiencing financial hardship that the current loan system does not address, and will be dedicating time to this topic in the upcoming negotiating session.

“The Biden-Harris Administration has already secured a total of $127 billion in debt relief for 3.6 million borrowers through a variety of actions, but we know there are so many hardworking Americans and families out there who still need help,” said U.S. Secretary of Education Miguel Cardona. “Student loans are supposed to be a bridge to a better life, not a life sentence of endless debt. This rulemaking process is about standing up for borrowers who’ve been failed by the country’s broken student loan system and creating new regulations that will reduce the burden of student debt in this country.”

The proposed regulatory text released today provides more information on ideas discussed in early November around separate types of debt relief. The updated text reflects suggestions from negotiators and continued review by the Department. The text proposes to provide relief in the following circumstances: Borrowers whose balances are greater than what they owed upon entering repayment. Many borrowers see interest charges grow faster than they can make payments. The Department has addressed these problems going forward through the Saving on a Valuable Education (SAVE) plan and new policies limiting interest capitalization. One of the Department’s proposals Continue on page 7

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BIDEN-HARRIS...Continued From Page 6 would provide up to $10,000 of relief to all borrowers cially harm students, such as misconduct affecting education more affordable. This includes approving who have experienced balance growth due to interstudent eligibility. This would also apply to programs a total of $127 billion in relief for nearly 3.6 million est. Two additional proposals would provide even or institutions that close prior to the finalization of borrowers, through a variety of actions, including: more interest relief to lower-income borrowers and to such efforts or determinations.

Nearly $42 billion for almost 855,000 borrowers borrowers enrolled in SAVE. Next week, the Department and the non-Federal who are eligible for forgiveness through IDR by fixBorrowers whose loans first entered repayment negotiators will discuss these ideas. At the end of ing historical inaccuracies in the count of payments many years ago. The Department updated this prothe two-day session the committee will determine that qualify toward forgiveness. posed text to provide one-time relief 20 years after whether it is able to reach consensus on each of Almost $51 billion for 715,000 public servants entering repayment for borrowers with only underthese ideas individually. Consensus means there is through Public Service Loan Forgiveness (PSLF) graduate loans. All other borrowers would receive no dissent on a given idea. Following this meeting programs, including the limited PSLF waiver and forgiveness on loans that entered repayment 25 years the Department will work on draft rules that will be Temporary Expanded PSLF (TEPSLF). ago, the same timeline as proposed by the Departreleased for public comment next year. The Depart$11.7 billion for almost 513,000 borrowers with a ment at the second session. ment will use any regulatory text that reaches contotal and permanent disability.

Borrowers who are eligible for forgiveness under sensus in its draft rules. $22.5 billion for more than 1.3 million borrowers income-driven repayment plans or discharge opWhile the Department is not providing proposed who were cheated by their schools, saw their instiportunities such as Public Service Loan Forgiveness regulatory text related to defining hardship for bortutions precipitously close, or are covered by related but have not yet applied for such relief. The proposal rowers, the Department will consider ways to pursue court settlements. would provide borrowers with the benefits they have relief for this category of borrowers and has dedicatThe Biden-Harris Administration remains earned. The Department simplified this language ed time to address this issue during the December committed to making college more affordable and from the prior session. session. also ensuring student debt is not a roadblock to Borrowers who attended programs or instituA copy of the proposed regulatory text is availattaining a college degree or credential and plantions that failed to deliver sufficient financial value. able at tinyurl.com/bdhnnpvf. Updates on the ning for the future. The Administration launched This policy would provide relief to borrowers who are student debt relief rulemaking process will be posted the most affordable student loan repayment plan left repaying loans where the Department has taken at tinyurl.com/38vxpxus. This includes transcripts ever—the SAVE Plan—earlier this year, has made action to terminate future borrowing at an instituand archived videos of the first and second sessions, the largest increase to Pell Grants in a decade, and tion or program because the institution or program is which took place in October and November. Members has charted a course to double the maximum Pell leaving students with unaffordable debts, or where of the public who wish to view the upcoming session Grant and make community college free to ensuch actions are cut off by closure. The Department or provide public testimony can also find a link on hance college affordability and reduce unnecessary clarified and expanded this proposed language from that page where they can register to do so. There will student debt. The Administration is also holding the prior session. In addition to including situations only be public comment on the first day. institutions accountable for unaffordable debts and where a program or institution failed accountabilContinuing to provide debt relief and support recently issued final regulations that set standards ity measures based on their cohort default rates or borrowers for graduate earnings and debt outcomes for career debt-to-earnings rates, the Department is proposing Today’s announcement builds on the work the programs, while enhancing transparency for all proto include situations where institutions or programs Biden-Harris Administration has already done to grams to give students the information they need to lose access to Federal aid due to actions that finanimprove the student loan program and make higher make informed choices.

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May your days be joyful and bright.

At ComEd we’re hard at work to keep your holidays shining bright. For us, illuminating your traditions—big, small, new and old—is the gift that keeps on giving.

Seasonal magic and nation-leading* reliability powered by ComEd. Find some twinkling Chicagoland traditions for your family to enjoy at ComEd.com/Holiday Happy Holidays from ComEd. © Commonwealth Edison Company, 2023 *PA Consulting 2023 Reliability One® Outstanding System Reliability Award

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Beauvince Unveils The Iconics,

an Exquisite High Jewelry Collection for the Holiday Season New York, NY -- Beauvince, renowned international purveyor of high-end jewelry, is delighted to present its new collection, The Iconics, just in time for the holiday season. For 2023, the brand takes the holiday spirit to new heights by celebrating a dazzling trend: the harmonious fusion of yellow diamonds set in yellow gold, combined with white diamonds set in platinum. The Iconics have an exquisite blend of colors and brilliance that create a unique and unforgettable statement, perfect for celebrating the season’s magic.

Bringing the extraordinary to clientele in time for the holiday season, Beauvince seamlessly merges the brilliance of yellow diamonds with the classic elegance of white diamonds. Second generation jeweler, Komal Sankar, curates the collection to exemplify luxury, opulence, and style. She says, “Our 2023 Iconics collection is all about colors. We love diamonds and this season we wanted to explore the interplay of the warmer yellows with the classic white. We’re always playing with colors in our attire.

Why not in our jewels?”

Fit for royalty, the Beauvince Sunrise Suite is an awe-inspiring masterpiece. The suite includes a necklace and matching earrings adorned with an astonishing collection of pear-shaped and oval yellow diamonds, totaling 24.43 carats (necklace) and 8.36 carats (earrings). These remarkable gems are paired with an ensemble of marquise and pear-shaped white diamonds that create a symphony of shimmer. Set with a magnificent 8.85 carat fancy yellow diamond, the Illumina Ring is a testament to power and grandeur. Complemented by an additional 2.87 carats of fancy yellow diamonds, this ring is set in platinum and 18K yellow gold, exemplifying a striking combiBeauvince nation of elegance and strength.

Handcrafted with platinum and yellow gold, the Radiance Diamond Stud Earrings feature fancy yellow and white diamonds, totaling 7.58 carats. Perfection embodied as studs, with the option of adding a dangling drop or chandelier extension through a discreet loop, they offer a versatile and timeless addition to any jewelry collection. The one-of-a-kind Butterfly Fall Ring has a vibrant array of fancy orange, green, yellow, and brown diamonds, totaling 3.80 carats. The butterfly, a universal symbol of transformation and metamorphosis, takes center stage in the design. Its delicate wings, adorned with a mosaic of vivid diamonds, evoke a sense of freedom and growth.

The wearer of the Butterfly Fall Ring carries with them the reminder that change is beautiful, and each phase of life brings its own unique gifts.

For those looking to add color to their holiday gala looks, Beauvince marries the timeless allure of green emeralds and red rubies with the brilliance of diamonds in The Iconics Collection. Captivating the hearts of connoisseurs and jewelry enthusiasts alike, a range of pieces celebrate the festive spirit with sophistication.

“No holiday season is complete without the reds and greens. The Ruby and Emerald suites from the 2023 collection are a rich and luxurious means of inculcating the softness and ever-present beauty the

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different shades of these gems offer into a bold and differentiated holiday look. They are perfect for celebrating a loved one or unapologetically celebrating oneself.

The natural color and origin of these gems further celebrates rarity and uniqueness as found in nature” says Komal Sankar. A sparkling set, the Beauvince Burma Floral Suite consists of natural 40.02 cts. of natural pear-shaped Burmese rubies, interspersed within a blossoming collar of white diamonds. The Wizard of Oz Emerald Ring has a regal design, featuring a luminous, untreated Colombian emerald, weighing 3.83 carats, set in 18K white and yellow gold. Complemented by marquise-cut diamonds, the ring is a testament to the unparalleled beauty of natural gemstones. The emerald, with its striking green hue, symbolizes growth and prosperity, making it an exquisite choice for those seeking a piece that resonates with their journey towards fulfillment. The Golds and Greens Diamond & Emerald Earrings showcase a unique combination of champagne diamonds and Colombian emeralds.

The warm tones of the gold setting beautifully complement the rich color of the emeralds and diamonds, creating a harmonious and radiant display.

A luxury atelier, Beauvince is dedicated to personalization.

Educating clients about the nuances of diamond selection, the company empowers them to make informed choices.

This commitment to transparency and knowledge-sharing forms the cornerstone of The Beauvince Process. Through it, Komal collaborates closely with customers to transform each vision into a perfect, one-of-akind jewel.

Beauvince’s name is a testament to its ethos. Derived from ‘beauty’ and ‘vincible,’ it embodies the idea that with beauty, one conquers. The atelier’s belief in the inherent beauty and uniqueness of every individual drives the creation of designs that cater specifically to each clients’ desires and dreams. Using exclusively natural, untreated, and responsibly sourced conflict-free diamonds and precious gemstones, the atelier extends a lifetime warranty to both retail trade partners and private clients. For holiday orders, pre-made pieces are dispatched within three days, while customized creations have a turnaround time of one to three weeks.

To learn more about The Iconics Collection and Beauvince Jewelry, visit beauvince.com, call 646-7758724 or email info@beauvince.com.

Beauvince Jewelry seeks to cherish the dreams, desires, and strengths of jewelry lovers through diamonds, the strongest substance found in nature.

Beauvince believes that all individuals are beautiful and unique, and the company strives to create designs that meet specific client needs. Conceptualized as modern heirlooms, to be passed down through generations, each piece of Beauvince Jewelry is timeless, merging the creativity, quality, and value the company is renowned for. Beauvince has a presence in New York and London, arranging viewings by appointment.

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5 Superb Skincare & Haircare Essentials for a Healthier New Year Formulated and manufactured in Brazil, Pure Brazilian offers the best hair smoothing system on the market. A hallmark of professionalism and exceptional haircare, Pure Brazilian’s products feature an easy-to-apply formula, give radiant shine, strengthen the cuticle, eliminate frizz, and improve hair health by protecting the cuticle. These hair essentials have a special formulation of minimal chemicals to give maximum results. Hair color pops, as cuticles are sealed with moisture.

Pure Brazilian is honest about their ingredients and keeps their line small and simple. Their products also reduce blow-dry and styling time, protects against heat damage from styling, and prevents split ends and breakage, which promotes growth. Visit their Amazon store here.

Pure Brazilian Deep Conditioning Masque

Frizz doesn’t stand a chance! Creamy, buttery and loaded with moisture and nutrients, this hair masque balances the pH at the end of the treatment while fortifying the cuticle using essential nutrients like Keratin and Acai. Color safe, this masque promotes shine, smooths the hair shaft, and leaves hair feeling like satin. $8 at https://purebrazilian.com/collections/essential-home-care/products/deep-conditioning-masque

Pure Brazilian Leave-In Conditioner

Keep hair lustrous and silky! This ultra reparative Keratin infused conditioner re-constructs dry damaged hair by restoring keratin proteins, the building blocks of hair, that have been depleted by chronological aging or styling, chemical and environmental damage. It is formulated with a fortifying ingredient complex of Bulgarian Rose Water, Bombyx Silk, Quartz and crushed Pink Sea Pearls that pampers the hair with opulent hydration, smoothness and shine. $26 at https://purebrazilian.com/collections/essential-home-care/products/leave-conditioner

Pure Brazilian Silk Smoothing Balm

Made with Keratin, Hydrolyzed Silk and Coconut Oil, this smoothing balm controls and softens unruly hair. Features a heat and humidity-resistant formula that will leave your hair feeling light, bouncy and gorgeously sleek. Use regularly before styling for faster drying, more manageable hair with fewer tangles, less frizz, better hold and smoothness that last. Salon perfect results every time! Retails for $28 at https://purebrazilian.com/collections/essential-home-care/products/smoothing-balm

Alpha Skin Care Gifts

For over 30 years, Alpha Skin has been helping customers get healthier and younger looking skin faster with their products specially formulated with Glycolic Alpha Hydroxy Acids (AHAs) that promote skin health. Clinically tested, cruelty free, hypoallergenic, non-irritating, and allergy-tested, the below gift sets are a must for skincare lovers. Visit their Amazon store here.

Alpha Skin Care Body Bundle Set

Featuring two best-selling body products, this anti-aging skincare gift hydrates and exfoliates for an all-day glow. Includes moisturizing Body Wash that is formulated with 10% Glycolic Alpha Hydroxy Acid (AHA) to gently release dead skin cells and reveal fresh, healthy, younger-looking skin. Also features the prestigious Renewal Body Lotion that is formulated with 12% Glycolic Alpha Hydroxy Acid (AHA) to thoroughly hydrate and gently exfoliate, leaving skin soft, smooth and younger-looking from head to toe. Made for all skin types, this set is $29.98 at https://www.alphaskin.com/products/body-bundle-set

Alpha Skin Care Face and Body Wash Set

Perfect for all skin types, this anti-aging gift set also hydrates and exfoliates for an all-day glow. Features the Moisturizing Body Wash formulated with 10% Glycolic Alpha Hydroxy Acid (AHA) to gently release dead skin cells revealing fresh, healthy, younger-looking skin. Also includes Refreshing Face Wash made with a gentle, soap-free formula that uses Citric Alpha Hydroxy Acid (AHA) to whisk away make-up, dirt and excess oil from your skin’s surface and pores. The gift set is $25.98 at https://www.alphaskin.com/products/face-and-bodywash-set

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100 Black Men Of Chicago Held Its 25th Annual Holiday Toy Drive Recently Photos by L.M. Warbington Photography

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ANNOUNCING THE 2024

YOUNGARTS AWARD WINNERS MIAMI, PRNewswire -- YoungArts announces the 2024 YoungArts award winners— nearly 700 of the most accomplished young visual, literary and performing artists from across the country, heralding the next generation of artists to watch. YoungArts award winners are selected through a highly competitive application, which is reviewed by panels of esteemed, discipline-specific artists in a rigorous adjudication process. 2024 YoungArts award winners join a distinguished community of artists who are offered creative and professional development support throughout their careers. A complete list of the 2024 winners, all 15–18 years old or in grades 10–12, is available online at youngarts.org/winners.

“It is an extraordinary privilege to welcome these brilliant young artists into the YoungArts community,” said YoungArts President Clive Chang. “We’re honored to recognize and encourage these artists at this critical stage 2023 YoungArts winner in Jazz in their careers, and we’re Mason Bryant. Photo by Jason looking forward to playing an Koerner. active, ongoing role in what will no doubt be an incredible opportunities. 2024 YoungArts artistic journey for each of winners also have the opportuthem.” nity to participate in YoungArts 2023 YoungArts Winner in Theater Braxton Cook, photo All YoungArts award Labs, all-expenses paid learnby Jason Koerner (PRNewsfoto/YoungArts) winners have demonstrated ing intensives with field-definexceptional technique, a strong ing artists working in New York sense of artistry, and an extraordinary commitment to deand Los Angeles. veloping their crafts. This year, winners were selected from Among the 2024 class of YoungArts award winners, more than 9,000 applications across 10 artistic disciplines panelists also select a smaller group of particularly out– classical music, dance, design, film, jazz, photography, standing YoungArts winners with distinction. These artists theater, visual arts, voice, and writing. Each award winner are invited to participate in National YoungArts Week, held will receive a monetary award of $250.

January 7-13, 2024, in Miami. During the week, particiFor the duration of their careers, YoungArts award pants have opportunities to share their own work, which winners are eligible for exclusive creative and professional is further evaluated for cash awards of up to $10,000; development support; microgrants and financial awards; experience interdisciplinary classes and workshops; and presentation opportunities in collaboration with major receive mentorship from leading artists in their fields. 2024 venues and cultural partners nationwide; and access to winners with distinction will have the chance to learn from YoungArts Post, a free, private online platform for Younnotable artists such as Denyce Graves, Lois Greenfield, and gArts artists to connect, collaborate and discover new Ranee, Aparna, and Ashwini Ramaswamy of Ragamala

Dance.

Winners with distinction are also eligible to be nominated to become U.S. Presidential Scholars in the Arts, one of the highest honors given to high school seniors by the President of the United States. YoungArts, the sole nominating agency, nominates 60 artists to the White House Commission on Presidential Scholars, from which the 20 U.S. Presidential Scholars in the Arts are selected.

YoungArts award winners join a distinguished group of accomplished artists including Daniel Arsham, Terence Blanchard, Camille A. Brown, Timothée Chalamet, Viola Davis, Amanda Gorman, Judith Hill, Jennifer Koh, Tarell Alvin McCraney, Andrew Rannells, Desmond Richardson and Hunter Schafer.

Support

YoungArts programming throughout the year is made possible by the support of its most generous donors, including Anthropologie; Aon; Micky and Madeleine Arison Family Foundation; Sarah Arison and Thomas Wilhelm; Jeffrey Davis and Michael Miller; State of Florida through the Division of Arts and Culture and the National Endowment for the Arts; Jay Franke and David Herro; The Horace W. Goldsmith Foundation; Agnes Gund; Hearst Foundations; Barbara and Amos Hostetter; Michi and Charles Jigarjian / 7G Foundation; John S. and James L. Knight Foundation; Leslie and Jason Kraus; Ashley Longshore; Steven and Oxana Marks; Miami-Dade County Department of Cultural Affairs and the Cultural Affairs Council, the Miami-Dade County Mayor and Board of County Commissioners; Northern Trust Bank; The Jorge M. Pérez Family Foundation at The Miami Foundation; Podhurst Orseck; PricewaterhouseCoopers LLP; Psycho Bunny; Rockefeller Brothers Fund; Jen Rubio and Stewart Butterfield; Sidney and Florence Stern Family Foundation; SunChips; Sandra and Tony Tamer; Bruce and Ellie Taub; and UBS Financial Services, Inc. YoungArts—the national foundation for the advancement of artists—was established in 1981 by Lin and Ted Arison to identify exceptional young artists, amplify their potential, and invest in their lifelong creative freedom. For more information, visit youngarts.org.

“I Love You Just As You Are” by Beth Rucker: A Heartwarming Tale of Love and Acceptance for All Children CHARLESTON, S.C., es of finding meaningful, yet succinct, bedtime stories. “When my PRNewswire -- Beth Rucker, husband, Darius Rucker, and I’s acclaimed author and co-founder children were younger, he traveled of the nonprofit organization Just so much, and I was always looking Be You, is excited to announce for books with a sweet message the release of her heartwarming but that didn’t delay bedtime (for children’s book, “I Love You Just them or me, haha). This is that As You Are.” Inspired by her book!” she shares. experiences as a parent, Beth The book is available for purcrafted this enchanting tale to deliver a powerful message of love chase on popular platforms such and acceptance to young readers as Amazon and Barnes and Noble, without extending bedtime as well as through various private routines. retail vendors.

The book gained national Written with her own children in mind, now grown, Beth attention when it was featured on aimed to instill in young hearts a the Today show, receiving high “I Love You Just As You Are” by Beth Rucker. profound sense of self-worth and praise for its impactful message PRNewsFoto. an appreciation for the inherent within its concise pages. “I Love beauty within themselves and You Just As You Are” has swiftly others. This passion led her to establish Just Be You, become a cherished addition to countless family reading a nonprofit organization with a mission to build teens’ collections, earning recognition as a go-to gift for baby confidence through self-compassion and self-love. showers and graduations alike.

At Just Be You, the focus is on encouraging young As a mother, Beth Rucker understands the challeng-

adults to embrace their unique selves while providing the tools necessary to understand and implement self-compassion and resilience. Importantly, all proceeds from the sales of “I Love You Just As You Are” directly support the impactful initiatives of Just Be You. Beth Rucker invites everyone to learn more about Just Be You by visiting their website at JustBeYou.org.

By supporting “I Love You Just As You Are,” readers not only bring home a delightful children’s book but also contribute to a cause dedicated to fostering confidence and self-love in the next generation.

Just Be You is a 501(c)3 nonprofit organization whose mission is to build teens confidence through self-compassion and self-love.Through workshops, school assemblies and motivational speakers, Just Be You focuses on the daily challenges of life as a modern teen, offering them a safe environment to be kind to themselves, share, learn and grow into their most confident self. Just Be You encourages young adults to embrace their unique self while outfitting them with the tools needed to understand and implement self-compassion and resilience. When we are kinder to ourselves we are better equipped to handle adversity and are kinder and more compassionate toward others.

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Common Homebuying and Renting Scams and How to Avoid Them (StatePoint) In difficult economic times, fraudulent housing schemes become more prevalent, impacting homeowners and renters alike. To help you avoid becoming a victim of fraud, Freddie Mac is sharing the following insights and tips about the most common tactics and scams.

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Predatory Lending Previous financial disasters have led to more robust consumer protection laws. Nevertheless, you should remain vigilant about predatory lending. Look for warning signs, such as pressure tactics, incomplete, confusing or contradictory loan terms, and high rates and fees, including penalties for paying your loan off early.

Additionally, lenders should not suggest you take out more credit than you need or suggest a monthly loan payment that does not cover the interest due on your loan. It’s important to work with someone you trust. If you’re hesitant to move forward with a lender, consult a HUD-certified housing counselor or lawyer to gain a better understanding of the loan terms.

Foreclosure Rescue Fraud Fraudsters often target those in distress. During times of financial hardship, be especially aware of foreclosure rescue fraud, where someone falsely promises to be able to save your home from foreclosure. Common elements of this scheme include the fraudster requir-

following actions:

ing you to sign over the title to your home, asking you to sign unfamiliar documents or share personal information, and charging you rent to stay in your home.

They may also offer to pay your delinquent mortgage by purchasing your home with the promise that you can repurchase it when your financial situation improves. If you’re struggling with mortgage payments, don’t deal with unknown entities. Directly contact your loan servicer, a HUD-certified housing counselor or a Housing Finance Agency for legitimate options to help avoid foreclosure.

• If a criminal has your identification information, call your creditors to cancel your credit cards. Review your transactions to make sure you recognize them. You can also request that creditors receive your written consent before changing your mailing address or sending a replacement credit card. Your creditors may advise additional precautions.

• Contact the credit bureaus to freeze your credit reports so that there’s no activity on your reports unless you approve it.

Fraudulent Leases and Units

• Report the scam to one or more of the following entities: the Federal Trade Commission, the Consumer Financial Protection Bureau, HUD’s Office of the Inspector General Hotline, and the U.S. Department of Justice.

Millions of Americans have lost money due to fraudulent rental listings. You can avoid becoming a victim of this scam by always seeing a unit in person or over video conference before renting it, and by never paying a security deposit until you have signed a lease. Be sure to read your lease thoroughly before you sign it, asking questions about any concerning details early in the process. When rental unit hunting, be wary of red flags such as prices that are too good to be true, listings riddled with grammatical errors and property managers asking for personal information before you’ve seen a unit.

To access Freddie Mac’s collection of fraud prevention resources, visit myhome.freddiemac.com.

Whether you’re a prospective homebuyer or seasoned renter, a scam could potentially impact you.

Familiarizing yourself with common tactics can help you identify a scam before it’s too late.

Moving Fraud

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Typically, moving fraud occurs when scammers who act like legitimate movers provide a low estimate and, once you move, demand a higher price and withhold your belongings until you pay. To avoid this scam, research the company to ensure it is legitimate, insured and has good reviews. You should also know that reputable moving companies never require advance payments or use high-pressure sales tactics.

Report Scams Immediately If you believe you’ve been a victim of a scam, take the

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