Facing weekend november 29 2017

Week of November 29, 2017 Vol 48 • No 48 |

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Congressman Danny Davis (left), recently endorsed Illinois Democratic Candidate for Governor Chris Kennedy (center) and his wife, Sheila Kennedy (left), who both manage Top Box Foods, a hunger-relief non-profit organization they founded to deliver high-quality, healthy and affordable foods to underserved neighborhoods.

Photo Credit: The Office of Congressman Danny Davis

Congressman Danny Davis Endorses Illinois Democratic Candidate Chris Kennedy > MORE ON PAGE 2

NEWS:TEEN BIRTH RATE IN CHICAGO REACHES HISTORIC LOW BY: KATHERINE NEWMAN >P3 FASHION: HINTS TO KEEP YOUR HAIR HEALTHY>P6 advertising@thechicagocitizen.com

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Congressman Danny Davis Endorses Illinois Democratic Candidate Chris Kennedy

briefly EDUCATION

Florida Memorial University Journalism Students Awarded Grant by NASCAR Foundation

The Florida Memorial University chapter of the National Association of Black Journalists (NABJ-FMU) has been awarded a $5,000 grant from the NASCAR Foundation.

The grant will help fund broadcast equipment for communication students at the Miami Gardens, Fla. campus.

“This is the boost my communication program needs to not only purchase new video cameras, but to encourage my students to become excellent, creative journalists,” said Russell Motley, FMU’s broadcast journalism professor and NABJ-FMU’s adviser.

HEALTH

Study: Oil and Gas Industries’ Toxic Pollutants Are Poisoning African-American Communities

WASHINGTON, DC -- Clean Air Task Force (CATF) and the National Association for the Advancement of Colored People (NAACP) have co-authored a landmark report that demonstrates, for the first time, the specific health risks from airborne pollutants caused by oil and natural gas development impacting African American communities.

The study, Fumes Across the Fence-Line: The Health Impacts of Air Pollution from Oil and Gas Facilities on African American Communities, was launched at a briefing at the National Press Club by CATF and NAACP, and supported by the National Medical Association (NMA).

Key findings of the study are: Oil and natural gas facilities are built near or currently exist within a half-mile of over one million African Americans, exposing them to an elevated risk of cancer due to air toxic emissions; The oil and natural gas industries violate the Environmental Protection Agency’s (EPA) air quality standards for ozone smog due to natural gas emissions in many African American communities, causing over 138,000 asthma attacks among school children and over 100,000 missed school days each year; There are 91 counties across the U.S. that are building oil refineries or where refineries exist close to more than 6.7 million African Americans, or 14 percent of the national population, disproportionately exposing them to toxic and hazardous emissions such as benzene, sulfur dioxide and formaldehyde. To find the full study, please visit NAACP.org

LAW & POLITICS

Cook County Board Approves Three Tax Incentives Designed to Support Economic Growth

Cook County Commissioners today approved three proposals from President Toni Preckwinkle’s Bureau of Economic Development that will provide tax incentives to businesses in Cook County.

The incentives, which will either create new or save existing jobs, were approved in the following communities: Calumet City, Elk Grove Village and Schaumburg.

As a result of redevelopment activities, these incentives should support the creation of an estimated 12 new private sector fulltime jobs, retain an estimated 62 full-time jobs and support 37 construction jobs.

“The companies receiving these incentives have demonstrated their commitment to our communities and residents,” Preckwinkle said. “I’m pleased that we are able to use our tax incentive tools to either keep or expand businesses in Cook County.”

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1 The University of Chicago Medical Center (pictured) is where Dr. Amber Truhart, an OB GYN specializing in family planning and Pediatric/Adolescent Gynecology, has her practice and provides information about contraception and reproductive health to young girls in Chicago.

Dr. Truhart, along with Mayor Rahm Emanuel and the Chicago Department of Public Health have all contributed to Chicago reaching a historically low teen birth rate after nine years of steady decline.

Continued from Page 1

By Christopher Shuttlesworth

Congressman Danny Davis recently endorsed Illinois Democratic Candidate for Governor Chris Kennedy during a press conference at Greater St. John Bible Church, located on 1256 North Waller.

During the press conference, Davis, who voted for John Fitzgerald Kennedy as the 35th President in the 1960’s, said he was inspired and motivated by the Kennedy family to continue their fruitful legacy.

“Good fruit does not fall too far from the tree,” Davis said. “I want someone in office that I can believe in and someone who I can go to the bank with what they say. I am excited for the next Governor of Illinois, Chris Kennedy.”

Currently, Chris and his wife, Sheila Kennedy, manage Top Box Foods, a hunger-relief non-profit organization they founded to deliver healthy and affordable food to underserved neighborhoods, according to kennedyforillinois.com.

Previously, Kennedy served as Chairman of the Board of the Greater Chicago Food Depository, which provides food to more than 600,000 adults and children each year.

Kennedy said when he and Davis were discussing the Governor race, Davis asked him about his thoughts on more quality educational opportunities.

Kennedy served as chairman of the University of Illinois Board Of Trustees and oversaw a $5.5 billion budget, 78,000 students and more than 23,000 faculty

and staff during 2009 to 2015.

He said his full education plan for Illinois includes creating more equitable access to prenatal care; providing healthy food and nutrition for mothers and their babies; supporting paid family leave and incentivizing affordable childcare services, according to kennedyforillinois.com.

More of his education plan includes, moving the Illinois towards full access to early childhood education; increasing state aid for a more fairly funded K-12 public school system and reinvesting in our higher education students and public institutions to revitalize the economy. “[Congressman Davis’] endorsement is more than just a testament, it’s a covenant,” Kennedy said. “I know if I don’t do the things as governor that I promised to the Congressman and his allies, the Congressman will stand up to me, report to all of you and hold me to the promises and that gives me strength.”

Kennedy recently announced his running mate Ra Joy, who has served as Executive Director of CHANGE Illinois, a non-partisan coalition that leads systemic political and government reform.

Other Illinois Governor Candidates include Senator Daniel Biss of Evanston, State Representative Scott Drury, Candidate Ameya Pawar, Anti-Violence Advocate Tio Hardiman and Suburban Businessman Alex Paterakis and Businessman JB Pritzker.

For more information, visit https:// kennedyforillinois.com/.

Illinois Treasurer’s Office Kicks-Off Holiday Season with Online Auction two 1928 twenty dollar gold certificates, a 14K multiSPRINGFIELD – Jewelry, gemstones, baseball colored diamond necklace and bracelet set, a 14K gold cards, collectible coins and paper money are among the nearly 450 items worth approximately $66,000 to ring with diamond and gemstone accents, an 18K gold be auctioned online starting on November 27, known ring with emerald stones and Gorham sterling silver to holiday shoppers as “Cyber Monday,” and ending on flatware. Items have been appraised by an outside December 1. vendor.

“This is a perfect opportunity to find something Auction participants can view items and register rare and unique for that special someone without by clicking the auction link under the Resource Center leaving the comfort of your home,” Frerichs said. “If (right side of webpage) at www.illinoistreasurer.gov. you want a glimpse of the hundreds of items for sale, For questions, call 217.557.8567. our preview is underway on our website at www.

The treasurer’s office is the custodian of unclaimed illinoistreasurer.gov.” property, including lost bank accounts, insurance Items include an policy proceeds, unpaid autographed Ryan rebate cards, and safe deposit Connect with the Citizen at Sandberg baseball card, boxes. Items are surrendered to www.thechicagocitizen.com a Frank Thomas 22K the treasurer’s office after private Follow us on gold baseball card with entities have tried for at least five Twitter @CitizenNewsNow certificate of authenticity, years to locate the owner.

Like us on Facebook at a 1957 one dollar silver This is the third unclaimed dgarth@thechicagocitizen certificate “error note,” property auction of 2017.

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Teen Birth Rate in Chicago Reaches Historic Low By: Katherine Newman

A recent press release from the office of Chicago Mayor Rahm Emanuel and the Chicago Department of Public Health (CDPH) announced that teen births have reached a new historic low after nine years of consecutive decline.

“Chicago has made a concerted, collaborative effort to help young people plan for the future, make responsible choices and lead successful lives,” said Mayor Rahm Emanuel in the press release. “A record low number of teen births means more Chicago teens can focus on their educations, work towards their goals and create better futures for themselves.”

Overall, Chicago’s teen birth rate is higher than the national average but has seen a decline twenty percent higher than national rates since 2010, according to the press release.

Doctors at The University of Chicago have also been making waves in the effort to decrease teen pregnancy in the city by helping teenagers access and understand their options when it comes to contraception.

“Contraception has been added to our mobile health units. This means contraception counseling and even prescriptions for/placement of devices can happen in the mobile health units,” said Dr. Amber Truhart, an OB GYN at The University of Chicago who specializes in family planning and Pediatric/ Adolescent Gynecology. “This removes the barrier of getting a teenage girl into the clinic.”

A CDPH program, Chicago Healthy Adolescents and Teens (CHAT), offers education on birth control, abstinence and healthy relationships in several CPS high schools and provides testing and treatment for sexually transmitted infections. Since March 2015, CHAT has provided sexual education to more than 32,000 youth, according to the press release.

“Great advancements have been made in Chicago and yet, we cannot be complacent; cities have a unique opportunity to lead by example and influence

state and federal policy and we will continue to drive progress forward,” said Andrea Miller, President of the National Institute for Reproductive Health, according to the press release.

In 2015, there were 27.5 births per 1,000 females aged 15-19 years old, a more than a 67 percent drop from the 85.2 rate in 1999, according to the press release.

Dr. Truhart agrees, we cannot become complacent or things might return to how they were nine years ago with a very high teen birthrate.

“If access to any type of contraception becomes harder for this population, it increases the chances they will have to settle for a method that was not ideal for them and this increases the chances they will not continue it,” said Dr. Truhart.

“In spite of these short-sighted, politically motivated cuts from the Trump administration, Chicago will continue to advocate for our youth to ensure they receive the information and resources they need to stay healthy,” Mayor Emanuel continued in the press release.

Under Mayor Emanuel’s leadership, the CDPH launched an effort to further reduce the teen birth rate in Chicago by expanding comprehensive sexual health education to making condoms available in schools.

“I am seeing more teen girls interested in contraception and understanding the importance of protecting themselves,” said Dr. Truhart. “I think this is also in part on them being more goal oriented. These young women want to go to college and understand based on parent or role model counseling that an unplanned pregnancy can effect their ability to reach these goals.”

Truhart believes that if she continues to do her job well and provide a positive experience for the girls that she works with, they will encourage their friends to visit her, or another doctor, to ask questions about birth control and reproductive health.

GOVERNMENTAL Affairs Janice Garth

Back 2 School Illinois Launches Holiday Campaign to Help Provide Free School Supplies to Underserved Students Back 2 School Illinois (B2SI), a Chicago-based nonprofit that provides tens of thousands of deserving kids from low-income families with free school supplies to help them succeed in the classroom, recently announced its first-ever holiday campaign.

B2SI is launching the campaign – which runs from now through December 31 — to raise funds to support its ongoing work to provide educational opportunities for underserved Illinois children.

“In this season of giving, we invite you to make a donation to Back 2 School Illinois, to help us provide free school supplies to Illinois children from low-income families. Together, we can give these kids the ultimate holiday miracle: a bright future,” said Matthew Kurtzman, CEO, Back 2 School Illinois. “The school supplies we buy (with the campaign funds raised) will be distributed to Illinois children to enhance their academic performances and increase their self-esteem.”.

To participate in the campaign, donors visit www.B2SI.org/Holiday and click on the “Donate” button in the upper right-hand corner.

GATEWAY FOR CANCER RESEARCH ANNOUNCES $3.5 MILLION RAISED AT ITS 26TH ANNUAL CURES GALA “GATEWAY TO OZ”

Gateway for Cancer Research (Gateway), a non-profit dedicated to funding transformational cancer research, recently raised $3.5 million at its 26th annual Cures Gala, “Gateway to OZ,” held on Saturday, November 18, 2017 in the Grand Ballroom at McCormick Place in Chicago.

With more than 800 guests in attendance, teams of young dancers from Chicago’s Gus Giordano Dance School led the way down the Yellow Brick Road to an evening of star-studded entertainment worthy of the Emerald City, including performances by Matteo Bocelli, son of Andrea Bocelli, at his inaugural Chicago performance; Billy Gilman, the youngest singer to ever reach #1 on the Billboard Top Country Album charts; Pia Toscano, American Idolfinalist; and Laura Bretan, America’s Got Talent finalist and “Golden Buzzer” winner and opera singer.

Guests danced the night away to a show-stopping performance by pop legends and event headliners, Earth, Wind & Fire.

“Gateway to Oz” showcased a number of the 57 clinical trials currently underway, including Dr. Nilofer Azad of Johns Hopkins University and her patient Rukhsana Siddiqi. Dr. Azad is conducting a trial on pancreatic adenocarcinoma and evaluating the benefits of a molecular therapy with epigenetic modulating drugs in high risk patients. The goal is to see a reduced reoccurrence of pancreatic cancer and reduced side effects for an improved quality of life.

854,000 Illinoisans to See Tax Hike

“I am extremely disappointed that my Republican colleagues, Congressmen Peter Roskam (IL-06), Mike Bost (IL-12), Rodney Davis (IL-13), Randy Hultgren (IL-14), John Shimkus (IL-15), Adam Kinzinger (IL-16) and Darin LaHood (IL-18), voted to hike taxes on the middle class, automatically cut $25 million from Medicare and add $1.5 trillion to the deficit,” said Congresswoman Robin Kelly, following passage of the GOP’s tax bill.

Kelly said for years, she has been privileged to serve with her Republican colleagues from Illinois, in the General Assembly or in Congress. She said she has always tried to work with them to advance common sense legislation that supports Illinois families and businesses.

“However, I believe that every Illinois family who sees their taxes go up deserves to know exactly who is responsible: their Republican representatives in Congress - Roskam, Bost, Davis, Hultgren, Shimkus, Kinzinger and LaHood,” Kelly said. “This so-called ‘tax reform’ bill will raise taxes on an estimated 854,000 middle and working class Illinoisans. Nationwide, 36 million middle class households will see a tax hike and one in four Americans will be paying an additional $2,000-plus in taxes.”

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Michael Grant Resigns from National Bankers Association to Lead Regional Mortgage Banking Office and Launch National Speaking Tour

By Hazel Trice Edney (TriceEdneyWire.com) - Michael A. Grant, who has gained a national reputation for his advocacy for Black economic empowerment for nearly a quarter of a century, has announced that he is resigning from the presidency of the National Bankers Association (NBA) effective Dec. 31.

“After nine years, I feel like I have taken this organization as far as I can take it,” Grant said in an interview with the Trice Edney News Wire this week. “I used the NBA as a platform to promote Black economic empowerment because I feel honestly that that is where we are right now in our evolution in this country.”

He continued, “But it’s more than just wealth.

There are issues that are ancillary and tied into this wealth. If you look at us in terms of what’s happening to us with incarceration rates, look at how our system of justice treats African-Americans, look at how we are positioned in business and what networks are we in or not in. From every level of government to the private sector, we are still not first class citizens.”

It is this level of insight that has not only sustained Grant at the NBA, but will now take him to the next level of his career, according to those who know and support him.

Grant publicly announced his resignation at the close of the NBA’s 90th anniversary celebration October 6.

In an interview, he said he has accepted the presidency of a Black-owned mortgage banking firm’s regional office in his hometown of Nashville, Tenn. He is withholding the name of the new firm until it is officially announced, but he describes it as a position that will give him greater freedom Michael A. Grant to exercise his passion - speaking on issues of economic empowerment across the nation.

“Michael came to the NBA with a lot of energy. The excitement that he came with, that excitement has doubled. He’s been a great, great spokesperson for us and a leader for us to continue having our banks to provide services for the minority community across the country,” says

Alden McDonald, CEO of Liberty Bank in New Orleans. “He’s stayed on task and he’s communicated our message extremely well to the people in government to the people in corporate America and to the banking community as a whole. He was always able to communicate what AfricanAmerican banks and minority banks have done for this country.”

McDonald also praised Grant for his ability to coalesce. Grant is among the three founders of Black Wealth 2020, a movement that aims to increase Black business ownership, Black home ownership and business with Black banks by the year 2020.

“He understands the importance of servant leadership and will be truly missed in the capacity as president and CEO of the National Bankers Association,” says Ron Busby, President/CEO of the U. S. Black Chambers Inc., a co-founder of Black Wealth 2020.

“Under his leadership, the bank Black movement was created and well received.

And he understands that affordable and accessible credit is one of Black businesses’ primary concerns. We look forward to his continued success and advocacy for AfricanAmericans in his future endeavors.”

Serving as NBA president since 2008, Grant credits the co-branding of the organization with his working in sync with a proactive and visionary board. But, his individual leadership has long been recognized in the Black business community.

In 2014 the Minority Business Development Agency of the U. S. Department of Commerce honored him with its Legacy Award for Lifetime Achievement, in recognition for a person who has “played an integral role in the creative, technical or professional progress of minority business development over the course of his/her life.”

Grant’s roots are deep in Nashville, where he grew up as one of 17 children.

In 1990, he organized a statewide meeting in Tennessee that brought together church leaders and entrepreneurs in an all-day seminar titled, “Black Economic Development Through the Church.” The event was covered by JET magazine.

He has served as president of the Nashville Branch of the NAACP; a fundraiser of the NAACP’s Tennessee State Conference of Branches, and cofounder of the Greater Nashville African-American Chamber of Commerce.

He says he will commute often to DC to continue his role among the leadership of Black Wealth 2020.

“Michael has been in the forefront of addressing the issues that prevent Black banks, and all Black businesses, from gaining their fair share of opportunities for success. His departure is a major loss for the NBA, but I am glad to know that Michael will stay active with Black Wealth 2020, and will continue to bring his energy and commitment to our coalition,” says Jim Winston, president of the National Association of Black-owned Broadcasters, also a co-founder of Black Wealth 2020.

Grant is launching out with a vision that was strongly articulated by Dr. Martin Luther King Jr., who had begun leading an economic justice campaign after the passage of the civil rights and voting rights acts.

“It seems to me that the only way that we can finally close the gap and make the pledge that we say when we’re saluting the flag - ‘one nation, under God with liberty and justice for all’ - the only way that we can make that a reality is for Black Americans to take financial control of our destiny so that we’re not walking around with a feeling of entitlement or the belief that somebody else is going to provide health, education and welfare for our people,” says Grant. “Nobody is going to do that for us but us...

The thought leaders in our race whether in Africa or the Caribbean or in America, they’re pretty much getting on the same page. Economic empowerment is where we’ve got to be.”

Meanwhile, the NBA board will begin the task of seeking new leadership.

“Michael Grant has been an outstanding advocate for the NBA and its member Banks,” says Evelyn F. Smalls, NBA board member and President/CEO, United Bank of Philadelphia. “He was relentless in connecting both public and private leaders with NBA CEOs to ensure that collaborative business relationships could evolve and that the member banks would have a presence and voice as public policies are discussed.”

The groundwork he has laid will continue to work even after he has gone from NBA, she said, pointing to his leadership in bridging the gap between NBA banks and the Small Business Administration as a major example of his string of accomplishments.

“With the ongoing presence of the SBA leadership advocating for NBA banks to utilize the various SBA loan programs to support the growth and sustainability of small businesses, we found a winning business strategy for the bank and its clients,” Smalls said. “These SBA loans support small business growth while creating and retaining jobs yielding real economic impact in the bank’s region.”

October Home Sales Posted Modest Gains As Metro Chicago Residential Market Continues Thriving Despite Dwindling Inventory, RE/MAX Reports ELGIN, Ill., Nov. 16, 2017 – The metro Chicago residential real estate market shook off the constraints posed by a dwindling inventory of homes for sale to post modest gains in October, RE/MAX reports. Compared to the same month last year, sales rose 2.7 percent to 8,931 units in the seven-county metro area, and the median sales price gained 2.3 percent to $224,000 despite a 9.2 percent decline in properties listed for sale.

The average time a home sold in October spent on the market before finding a buyer fell to 74 days from 83 days one year earlier. It is the shortest average market time for October since RE/MAX began tracking that data in 2005.

“The lack of inventory continues holding back sales, but demand for homes remains strong; that is especially true in the attached segment of the market,” explained Chris Calomino, spokesperson for RE/MAX Northern Illinois. “Last year, attached homes accounted for 35.5 percent of October sales. This year they were 37.1 percent of the total. But whether a home is attached or detached, we’re hearing from our brokers that properties in good condition and reasonably priced are selling quite quickly. We expect an active market right through the holiday season and into 2018.”

The home sales data used for the RE/MAX analysis is collected by MRED, the regional multiple listing service. It covers detached and attached homes in the Illinois counties of Cook, DuPage, Kane, Kendall, Lake, McHenry and Will.

Detached homes are typically stand-alone single-family dwellings. Attached homes include condominium and cooperative apartments along with townhouses.

Total home sales activity rose in all seven metro counties, with DuPage the clear leader. Sales there were up 6.9 percent, while the six other counties and the City of Chicago had gains of 3.7 percent or less.

The median sales price rose in six counties, led by gains of 9.8 percent in Lake and 9.7 percent in Kendall. Elsewhere, the median price rose 2.5 percent

or less, except in Kane County, where it fell 1.6 percent. Average market time shortened in all seven counties and ranged from as long as 85 days in McHenry to just 51 days in Kendall.

Attached Homes October sales of attached homes in the metro area totaled 3,311 units, up 7.2 percent from the same month in 2016. The median sales price rose 3.3 percent to $188,000, and average market time declined to 60 days from 69 days a year earlier.

Sales activity and the median sales price were up in all seven counties and in Chicago. Sales in Cook accounted for 65.8 percent of all attached sales in the metro area and were up 5.3 percent from the year earlier level. The sharpest gains in sales activity were in Kendall, up 23.8 percent, and McHenry, up 19.5 percent.

The median price rose just 1.9 percent in Cook, but gained 18.1 percent in McHenry and 17 percent in Lake. Other noteworthy increases were 8.9 percent in Will, 6.4 percent in Kendall and 5.7 percent in Chicago.

Detached Homes The detached market posted uneven results in October. Total sales rose just 0.3 percent to 5,620 homes, and the median price was up 2.8 percent to $241,500. It is the highest October median price since 2007.

Average market time shortened to 82 days from 91 days a year earlier.

Sales activity rose in four counties and fell in three but the changes were generally small in both directions. The same was the case with median prices, which rose in six counties and fell less than 0.5 percent in Kane. The largest increases in median price were 9 percent in Kendall, 8.1 percent in Lake and 4.7 percent in DuPage.

Sales in Chicago were up 3.3 percent, and the median price gained 0.5 percent to $220,000.

RE/MAX agents consistently rank among the most productive in the industry. In 2016, RE/MAX Northern Illinois agents averaged 18 transaction sides. RE/MAX has been the leader in the northern Illinois real estate market since 1989 and is continually growing. The RE/MAX Northern Illinois network, with headquarters in Elgin, Ill., consists of more than 2,250 sales associates and 105 independently owned and operated RE/MAX offices that provide a full range of residential and commercial brokerage services. Its mobile real estate app, available for download at www.illinoisproperty.com, provides comprehensive information about residential and commercial property for sale in the region. The northern Illinois network is part of RE/MAX, a global real estate organization with 115,000+ sales associates in 100+ nations.

www.thechicagocitizen.com • 52 years of serving the Black community

Paving the way to college: 4 things parents need to know (BPT) - Senior year: It’s a time to finish college applications, solidify friendships and look forward to the freedom and the responsibility that come once that final bell rings.

A lot of feelings surface during that final year, especially for parents.

While your son or daughter might be overjoyed to finally fly the coop and live independently, you’ll probably be dealing with your own mix of emotions, and you’ll want to be sure they’re ready to begin college in the fall.

For families with a child headed to college, senior year is best thought of as a transition year. Plan ahead to make sure your family stays on track.

To help you and your child with a successful transition, here’s the essential list of landmarks on the road that will take your child from a senior in high school to a freshman in college.

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Apply yourself in the fall The journey to college begins early, and by the fall of senior year in high school, your child should be in full transition mode. They should be finishing campus visits and finalizing the list of colleges where they want to apply. Make sure they’ve spoken with admission counselors, thoroughly researched schools they’re interested in and have everything they need to complete their college applications.

Keep tabs on important deadlines and stay organized to avoid missing any critical due dates. For example, will they want to apply early decision or early action?

If so, make sure you have weighed how this could impact your financial plan for college.

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Focus on financial aid from the start For many parents,

been accepted.

In reading these letters, pay close attention to how schools list the total costs. For instance, some schools will subtract the awarded loan amount from the total cost of attendance, while others will not.

This could make the net cost of some schools appear less than others when in reality they are not, so take your time reading the documents.

one of the biggest anxieties around college is the cost.

Don’t forget that the Free Application for Federal Student Aid (FAFSA) opens on Oct. 1, and some aid is awarded on a first-come, first-served basis. Make sure you submit the form as soon as it’s available.

Because everyone has different needs, figuring out how to finance your child’s education requires some research.

At College Ave Student Loans, you can find private loan options for parents and students. Even if you’re not ready to take a loan out yet, parents and students can try out the fast and easy pre-qualification tools to find out if their credit pre-qualifies for a loan, and what interest rates they could expect, all without impacting their credit scores. Calculators are also available to help you explore your options and see how you can customize the loan payments to fit your budget.

3

Spring time is decision time Early in the spring, your child will start to receive their first acceptance letters. Once they’ve heard from all of the schools where they applied, they’ll have a big decision to make.

They need to do more than just decide which school to attend; they’ll also need to send in a deposit,

complete their housing form and accept financial aid packages.

A crucial step in this process is comparing award letters from the colleges where your child has

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Tie up everything in the summer Before they head to campus, you and your children should create a budget to keep tabs on college bills. This will help you to stay on track financially and set the right

expectations about how they need to manage their money.

You can help your soonto-be freshman by working with them to outline a monthly budget that will take into account expected and unexpected expenses.

Take a look at their financial aid packages and any income they might be earning and block out the monthly mandatory expenses. Then decide how much money they can spend on things like entertainment.

If you find that scholarships, grants and federal aid don’t cover everything, private loans could be one solution for some college-bound students.

For parents and students, senior year is an exciting period. Knowing what steps to take and staying ahead of financial matters with useful tools like the ones at College Ave Student Loans can help make the transition easier for everyone.

Think

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Visit mwrd.org and click the Unwanted Medicine banner for a listing of other medication disposal locations throughout Cook County.

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Find us at mwrd.org and on social media

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Hints To Keep Your Hair Healthy style are easier to achieve with Curlformers—the world’s only patented heat-free, salon-quality hair curler. You can create stunning, textured curls without heat, mess or frizz.

It works for all hair types, including wigs and weaves, so just about everyone can enjoy the glamorous, stylish, finished look of their choice, without damaging the natural curl pattern.

Curlformers styling kits are easy to use, too. They come in three curl styles—corkscrew, spiral and barrel. To create beautiful flowing curls, follow these three simple steps: • Step one: Choose your curl style and apply the kit to your damp hair.

• Step two: Let it dry. For maximum bouncy curls, apply the Hair Flair Softhood over the Curlformers and dry using low heat with a hair dryer.

• Step three: Remove Curlformers and tease out the curls using Hair Flair’s Large Paddle Brush, packed with tourmaline technology to battle the frizz and be kind to your hair. Brush the ends first to remove any tangles and then brush gently from the crown down.

Learn More It’s available at Sally Beauty, Target and at www.curlformers.com, where you can also find more handy hair care tips.

Conselle Institute Reports Real Cause Behind Failing Fashion Industry “Fashion retailers are fashion victims of their own making,” reports Executive Director of the Conselle Institute of Image Management, Judith Rasband. “What started in Silicon Valley, was plugged by Levi’s as Casual Friday, has eroded into casual everyday, for everyone, everywhere. Promoting America’s obsession with casual dress, retail giants pushed the dress down trend to the level of faded t-shirts, dirty, distressed, deconstructed denim, and flip-flops. As the result, too many consumers don’t buy or wear nice clothing anywhere, anymore.”

“We’re going to see a bloodbath in retail,” reported The Sovereign Investor, June 23, 2017.

“Of course discount and e-commerce is a big force,” adds Rasband, “but the retail endorsement of sloppy, slovenly dress is the driving force behind several negative trends.”

Rasband says the following are a few of the negative trends we are seeing as a result of the dress-down trend: negative consumer attitude for dressing up, dwindling consumer need for clothing, sluggish store and shopping mall traffic.

Scrambling to dig themselves out of a mess of their own making, newspapers nationwide have listed Macy’s, Aeropostale, the Gap, Abercrombie Fitch, Wet Seal, J. Crew, and Michael Kors as among those cutting jobs and closing stores across the nation.

High-end, low-end, stores selling nice-looking clothes are going to go out of business.

Caught in the dress down disaster, Rasband reminds us “The first to go were Casual Corner, Petite Sophisticate, and August Max, followed by Cache, Jones New York, and the Limited.

Courageous hold-outs not yet giving in to disheveled looks include Talbot’s, Ann Taylor, Dillard’s, Penny’s, Sears, Dress Barn, and Christopher Banks, but they’re paying a price they can’t afford. Saks, Nieman’s, and Lord and Taylor are biting the bullet aimed at them as well.”

“I’ve been tracking the demise of department stores for decades,” said Rasband, who predicted the death of department stores in 1985. Her fashion forecast came out as a report in 1995, America’s Going Down The Tube In A T-shirt, delivered in Washington D.C. to the Association of Family and Consumer Sciences, with repeat sessions and standing ovations. The members got it—but scattered across the country they were powerless to affect opinion or practice within the fashion industry.

“While it may be too late, it’s time to stop the pretense,” asserts Rasband. “Shabby Chic, Rebel Chic, Poverty Chic, and Utility Chic are marketing strategies America cannot afford. It’s time to get dressed up again!”

T:13”

(NAPSI)—For most women these days, healthy, vibrant-looking hair is one of their top beauty priorities.

Six Hacks For Great-Looking Hair 1. Live right. The best thing you can do for your hair is to drink lots of water, get enough sleep, and eat plenty of fruits and vegetables.

Also, don’t smoke, and try to avoid polluted environments.

2. Protect your hair while achieving healthy curls with Curlformers. You can now get terrific curls without using any heat or harsh chemicals. That means no breakage, no lasting damage and no compromise on color quality.

3. Don’t wash it in very hot water. That can make your hair dry and brittle as it strips protective oils from your hair. Go for water that’s just a bit warmer than your Many women have found a cool new way to create great curls. body temperature. depends on how oily it is. If your scalp is very oily, 4. When you do wash your hair, concentrate on cleaning primarily the scalp, rather you may need to wash your hair as often as once a day. If you have chemically treated hair, your than washing the entire length of hair. Washing hair may be drier, so you may want to wash it less only your hair can increase the risk for flyaway frequently. As you get older, your scalp makes hair that’s dull and coarse. less oil, so you may not need to shampoo as often.

5. Use conditioner after every shampoo to But if you see flakes in your hair, you may not be increase shine, decrease static electricity, improve shampooing enough. This can lead to dandruff strength and protect against harmful UV rays. and other scalp diseases.

Concentrate conditioner on the tips of the hair, Bold, beautiful and voluminous curls not on the scalp or the entire length of the hair. made to garner that “all eyes on me” standout 6. How often you should wash your hair

Typical of deconstructed denim, widely available.

Judith Rasband explains why dressing down is a dangerous trend.

www.thechicagocitizen.com • 52 years of serving the Black community

This Is Us available on XFINITY Stream app

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8 / CITIZEN / Chicago Weekend / Week of November 29, 2017

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Top Five Tips For Buying Safe Toys This Holiday Season

By Joan Lawrence

(NAPSI)—This holiday season, you can pick out toys that are both fun and safe with these simple tips: 1. Follow the age guidance and other safety information on toy packaging. The age grading isn’t about how smart a child is—it’s based on the developmental abilities of children at a given age and the specific features of the toy.

2. Choose a toy that matches your child’s age and interests. The perfect toys are the ones that are right for your children. If a toy is too advanced, they’ll become frustrated, and if it’s too simple, they’ll get bored. Providing kids with age-appropriate playthings will help them stay safe and reap the full benefits of playtime.

3. Avoid toys with small parts for kids under 3.

Items around the home that have small parts are fine for older kids but can pose a choking hazard for children under 3 (or kids who still mouth objects).

Toys with small parts have a warning label on the packaging, so keep a careful eye out as you shop.

4. Shop at a retailer you know and trust. Store staff at established businesses will be knowledgeable about age-appropriate toys. At garage sales, secondhand stores or temporary “pop-up” retailers, sellers may not know about the latest safety information and certified products—and may not be around should an issue arise later on.

5. Visit PlaySafe.org for more safety advice. Once the gifts are unwrapped, visit www.PlaySafe.org for tons of advice on toys and play. It’s a comprehensive, free resource that includes detailed tips on small parts, advice for new parents, how to keep kids safe during active play, information on battery and magnet safety, the importance of parental supervision during play and much more.

It’s important to know that all toys sold in the U.S., no matter where they’re made, are subject to strict federal safety laws and standards. So just be sure to pick out toys that match a child’s age and interests and then get on the floor and play with your kids. Showing little ones how to properly use a toy can be the best way to make sure they understand

how to safely enjoy it.

• Ms. Lawrence, a.k.a. the “Toy Safety Mom,” is a lifelong child safety advocate with more than 20 years of experience in the toy industry and senior vice president of standards and regulatory affairs at The Toy Association.

Kelly Price Finds Love After Divorce, Expands Her Entertainment Enterprise LOS ANGELES-- On the eve of her 25th year in the business, renown songstress, songwriter and actress Kelly Price ended a two decade stint of independent management and turned over the reigns of the management of her enterprise to Sunni Gyrl Inc, a boutique management and production firm lead by icon MC Lyte (CEO) and financial expert Lynn Richardson (President/ COO). With Sunni Gyrl’s leadership and day to day oversight by the firm’s esteemed Sr Talent and Business Finance Executive Ingrid Morris, a former Fortune 50 controller, Kelly Price will expand her global singing, songwriting, acting, and production catalog and will launch her charity, Look 2 Live Foundation. The firm has already booked global performance appearances from the US and Caribbean to South Africa and London for the first quarter of 2018, is working on a development deal with a Hollywood notable for unscripted and scripted television and movie projects, and is overseeing the release of Kelly’s new book, “Love After Divorce,” which she co-authors with Morris, at the top of 2018.

“Partnering with Sunni Gyrl was a no brainer for me, says Price.

“For years I’ve watched this team of business and entertainment professionals move around and get it done successfully and do it with honesty, integrity, transparency and with the respect of the constituency.

That’s so hard to find in this business. I LOVE Lana. She’s always been brilliant and beautiful and eloquent and she just gets better with time.

Dr Lynn is “A Beautiful Mind,” the sequel!! Ingrid is a breath of fresh

financial air. The whole team is great: They truly believe a win for one is a win for all. I’m so excited about the future and about what’s already happening on Sunni Gyrl’s watch. I’m looking forward to growing, expanding, learning and teaching with my new team.”

Kelly Price is more than a phenomenally gifted singer and songwriter; she is a brilliant businesswoman with a global vision. I’m both humbled and excited about being a part of the team that will expand her brand and help her build the kind of business legacy commensurate with her passion, work ethic, and unique gifts,” says MC Lyte.

“We couldn’t be more proud to be a part of her next phase and bringing to fruition the Kelly Price that Kelly has always envisioned, but the world has yet to see, says Richardson. “With fiscal aptitude, creative persistence, and strategic planning, we will position Kelly’s brand to expand into lucrative projects that not only align with her vision, but help to elevate what the world receives from the world of entertainment through the mind, eyes and voice of Kelly Price.”

“This is an exciting time for Ms. Kelly Price. I’m honored to lend my 20 years of corporate financial and management experience, and excited to be a part of the executive team that will lead Ms. Price’s brand globally,” says Morris, who currently serves as CFO to small businesses nationwide.

At Sunni Gyrl, Kelly Price will be supported by a team of over a dozen music, film, nonprofit and entertainment professionals who will work together to carry out her vision.

PROUD MARY hits theatres January 12, 2018 Synopsis: Taraji P. Henson is Mary, a hit woman working for an organized crime family in Boston. Mary’s life is completely turned around when she meets a young boy whose path she crosses when a professional hit goes awry.

Director: Babak Najafi Writers: Steve Antin, John Stuart Newman, Christian Swegal Cast: Taraji P. Henson, Neal McDonough, Danny Glover, Xander Berkeley, Billy Brown, Margaret Avery Producers: Andrea Ajemian, Tai Duncan, Paul Schiff Executive Producers: Glenn S. Gainor, Taraji P. Henson

www.thechicagocitizen.com • 52 years of serving the Black community

CITIZEN Chicago Weekend / Week of November 29, 2017 / 9

EVENT OF THE WEEK

CHICAGO JAZZ ORCHESTRA ANNOUNCES THREE CONCERTS FOR 2017-18, ALL IN RESIDENCE AT CHICAGO’S STUDEBAKER THEATER CHICAGO, IL, November 16, 2017 – The Chicago Jazz Orchestra (CJO), under the direction of Jeff Lindberg, recently announced an exciting threeconcert line-up for its 2017-18 season.

All three concerts will be presented in one terrific location ideal for enjoying live jazz, the Studebaker Theater in Chicago’s historic Fine Arts Building.

An exciting holiday concert, Not So Silent Night, featuring Duke Ellington’s Jazz Nutcracker, opens the Chicago Jazz Orchestra’s 2017-18 season at the Studebaker, Friday, December 22 at 7:30 p.m.

Don’t miss this new holiday tradition featuring the ENTIRE “The Nutcracker Suite,” the classic 1960 holiday album

by American pianist, composer and bandleader Duke Ellington featuring jazz interpretations of Tchaikovsky’s “The Nutcracker,” arranged by Ellington and Billy Strayhorn.

This special performance also boasts an array of holiday classics arranged for big band, making the CJO’s Duke Ellington/Strayhorn Nutcracker––Not So Silent Night––a live music highlight of Chicago holiday season.

CJO returns to the Studebaker in the spring with “Sophisticated Giant”: A Tribute to Dexter Gordon, featuring special guest Joshua Redman, Sunday, March 25, 2018 at 3 p.m.

This concert marks the live world premiere of “Sophisticated Giant,” a legendary 1979 recording by the late great tenor saxophonist Dexter Gordon performing arrangements by Slide Hampton. Guest artist is the charismatic, internationally acclaimed jazz saxophonist Joshua Redman. Trombonist arranger Slide Hampton will also be on hand for the performance, which is made possible by the collaboration between Hampton and CJO artistic director Jeff Lindberg, who will be transcribing the arrangements from the original Dexter Gordon recording. The second act is sure to entertain with a wide array of classic jazz arrangements for the 12-piece CJO. The Chicago Jazz Orchestra’s 2017-18 season finale at its new downtown venue is

A CJO Salute to “Sinatra at the Sands” featuring Paul Marinaro, Saturday, May 12, 2018 at 7:30 p.m. Sit back and enjoy this live recreation of the famous 1966 “Sinatra at the Sands” performance, long considered to be the definitive live album of his career. The Chicago Tribune hailed CJO guest vocalist Paul Marinaro as having “one of the most beautiful vocal instruments in the business today.”

Don’t miss this chance to travel back in time, onenight-only, to revisit a true classic.

CJO is in residence all season at the Studebaker Theater, 410 S. Michigan Ave. on the first floor of Chicago’s historic Fine Arts Building.

Single tickets and season packages are on sale now. Single tickets to each concert are $35 (balcony) and $45 (floor). Save with a CJO 2017-18 season ticket: three shows for just $85 (balcony) or $115 (floor).

For tickets and information, visit chicagojazzorchestra. org.

“We’ve put together an outstanding season of historical moments in Chicago Jazz. From the iconic Ellington/Strayhorn Nutcracker to the live premiere of ‘Sophisticated Giant’ with Joshua Redman to a full live performance of ‘Sinatra at the Sands,’ there is something for everyone. The Studebaker Theater, a historical venue in its own regard, provides a perfect backdrop for CJO’s most prolific season yet!” remarks CJO Executive Director, Travis Rosenthal.

Founded in 1978, the Chicago Jazz Orchestra is the city’s oldest professional jazz orchestra in continuous operation and one of the oldest jazz repertory orchestras in the country. As recently as 2015, Howard Reich of the Chicago Tribune cited the CJO as “one of the best big bands in the country.” For more information, visit chicagojazzorchestra.org.

The Chicago Jazz Orchestra’s 2017-18 season is supported by The Stare Fund, The MacArthur Funds for Arts & Culture at the Richard H. Driehaus Foundation, Gaylord and Dorothy Donnelley Foundation, the Joseph B. Glossberg Foundation, Illinois Arts Council Agency, and The Saints of Chicago, with media sponsorship from WDCB 90.9 FM, DownBeat Magazine and Chicago Jazz Magazine.

Calumet Area Industrial Commission “50 Years: A Half Century & Going Strong” On Friday, Dec. 8th, from 11 a.m. to 2 p.m., the Calumet Area Industrial Commission (CAIC) will celebrate its 50th Anniversary with a luncheon at the Beverly Country Club at 8700 S. Western in Chicago.

Founded in 1967, CAIC’s mission is to promote industrial retention & development in the Greater Calumet Industrial Area. “Fifty years ago,” stated Ted Stalnos, President of CAIC, “CAIC was founded by a small group of manufacturers in the Pullman & Roseland communities. Today, CAIC serves over 150 company members operating in the Far South Side of Chicago, Southern Cook County and Northwest Indiana. We have successfully linked a number of our members to valuable economic and workforce development resources.”

John F. Kwant, Vice President, City Solutions, Ford Smart Mobility, a subsidiary of Ford Motor Company, will be the Keynote Speaker at the Annual Luncheon. John, whose resume includes several prior key U.S. and international leadership roles at the company, now leads Ford’s global efforts to partner with municipalities to help bring the “City of Tomorrow” to life by identifying key urban mobility needs, and developing and implementing solutions in cities worldwide.

Ford Motor is one of many key company leaders who serve on CAIC Board of Directors. They include ArcelorMittal, ADE, Inc., Ozinga Chicago RMC, Gelita USA, Polyair Corporation, BP, Paket, Atlas Tube, Naylor Pipe, Finkl Steel, Method Products and Whiting Corporation.

For further information, please call Ted Stalnos at 773-928-6000.

National Healthcare Access Coalition Launches 17 City National Black Healthcare Access Tour

LOS ANGELES -- A national healthcare coalition comprised of fifteen (15) national organizations and networks launches a 17 city Demand Access: Black Healthcare Access Tour to raise awareness about the importance of healthcare access in Black communities, mobilize communities to respond to recent threats to the Affordable Care Act (ACA/Obamacare), and help individuals sign up for insurance during the 2017 ACA open enrollment period—now thru December 15, 2017.

The seventeen (17) city Demand Access tour began on Friday, November 10 in Melbourne, Florida. In the first week of the tour, the Coalition held community forums and town hall meetings in Orlando, Ft. Lauderdale and Birmingham, Alabama. The remaining 13 tour dates are: November 27 – Houston, Texas November 29 – Baton Rouge, La. December 1 – Washington, D.C. December 2 – Richmond, Va. December 4 – Baltimore, Md. December 5 – Chicago, Ill. December 7 – Detroit, Mich.

December 9 – Jackson, Miss.

December 11 – Oakland, Calif.

December 14 – Los Angeles, Calif.

For more information about the Black Healthcare Access Tour or the Access Denied Initiative, contact Lestian McNeal at LestianM@BlackAIDS.org.

www.thechicagocitizen.com • 52 years of serving the Black community

CITIZEN / Chicago Weekend / Week of November 29, 2017 / 11

church

> Profile > Inspirations > Bible verse

New book about faith-based adult day care facility helps caregivers CHANDLER, Ariz. – The new book, “The Perfect Place: Where Hope Lives, Love Reigns and All Are Accepted” (published by WestBow Press), by Juanita Dean aims to help those caring for their loved ones with dementia by sharing the stories of others and telling them about The Perfect Place, a faithbased adult day care facility.

“47 million people worldwide suffer from dementia, with 9.9 million new cases every year. Alzheimer’s accounts for 60-70% percent. … As a result, more and more families are taking on the role of caregiver,” Dean says, adding that, “15 million Americans provide unpaid care (18.2

billion hours=$230 billion) for people with Alzheimer’s and other forms of dementia.”

“The Perfect Place” presents a resource for caregivers everywhere.

It provides a glimpse of the private struggles caregivers face when a loved one has been diagnosed with various forms of dementia. Readers will meet several individuals who, when faced with their loved one’s dementia diagnosis, struggled, cried, laughed, prayed and reached out to find help at The Perfect Place.

More information is available at: www.theperfectplacebook.org.

THEME: SHARING WITH OTHERS

Hebrews 13:16 - But to do good and to communicate forget not: for with such sacrifices God is well pleased.

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You can also mail your information to: The Chicago Citizen Newspaper Inc., 8741 S. Greenwood Ave., Chicago,Illinois 60619, Attn: Church News

HELP WANTED DRIVERS

Inspirations

from Rev. Dr. Derrick B. Wells,

Senior Minister of Christ Universal Temple

AN INSPIRED LIFE When living the inspired life, we must decide whether the inspiration God gives us will be nurtured by our design, or ignored by default.

American politician Frank Clark said, “What great accomplishments we would have in the world if everyone had done what they intended to do.” So why do we sometimes lack the necessary inspiration to execute? While in Canada, I once saw a beautiful piece of graffiti art that said, “We’re inspired but too tired.” An inspired life is a choice wholly based upon attitude rather than circumstance.

If you do not develop your own design and become responsible for how your inspiration will be used, you will by default empower other people and circumstances to not only direct, but also benefit from your inspiration. Your design setting directs inspiration according to your vision, while your default setting directs inspiration according to your script. The design setting gives clarity to the pattern. The default setting gives you back the baggage and excuses of past failings.

True inspiration enables us to push past the humdrum existence in which we now find ourselves. When we are truly inspired it is as if the very breath and life of Christ is arousing, animating, and empowering us with the Spirit to do something amazing.

Inspiration links us with divine influence and brings us back to our purpose, for inspiration and purpose are always synchronized. Job 32:8 says, “There is a spirit in man and the breath of the almighty gives them understanding.”

Get in sync with the divine design of your inspiration. It will help you better understand the unique gifts that reinforce your unique contribution to the world.

Now is the appointed time to live an inspired life. (Reprint May 3, 2017) Address: 11901 S Ashland Ave, Chicago, IL 60643 Phone: (773) 568-2282 www.cutemple.org

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