South End Citizen 8-28-2019

Grassroots Organization Uses Street Outreach To Reduce Violence And Recidivism — Page 3

Citizen Week of Aug. 28, 2019

| Vol. 52 | No. 29 | www.thechicagocitizen.com

SOUTH END

A graduation ceremony was recently held for 11 high school students who completed the Tools of the Trade program hosted by After School Matters and ComEd. Photo Credit: Provided by ComEd

TOOLS OF THE TRADE PREPARES LOCAL HIGH SCHOOLERS FOR SKILLED TRADE CAREERS

A graduation ceremony was recently held for 11 students who successfully completed a seven-week paid apprenticeship known as the Tools of the Trade program. Tools of the Trade is collaboratively hosted by After School Matters and ComEd to prepare young people, ages 16 to 18, for trade careers. PAGE 2

NEWS

BUSINESS

Chicago Public Schools Celebrates Conclusion Of Inaugural Summer For Change Program

REAL ESTATE

Survey: 96% Of Managers Say Their Staff Are Experiencing Some Degree Of Burnout

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Check out our real estate listings for important foreclosure information

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NEWS briefly EDUCATION

CODEVERSE PARTNERS WITH GIRL SCOUTS TO LAUNCH ALL-GIRLS CODING PROGRAM Codeverse is officially one step closer to their mission to “teach a billion kids to code.” The world’s first fully interactive school and educational tech platform recently announced that the Girl Scouts of Greater Chicago and Northwest Indiana’s out-of-school-time program, GirlSpace, has granted them a $45,000 scholarship to give Girl Scouts in low-income neighborhoods the chance to learn coding this fall at the Codeverse Lincoln Park location (819 W. Eastman St., Chicago).

GirlSpace is a year-round out-of-school-time program offered by the Girl Scouts of Greater Chicago and Northwest Indiana, which provides girls a safe, structured and supportive learning environment that empowers them with essential skills for success in school and life – thus, a natural pairing for Codeverse.

HEALTH

SURPRISE MEDICAL BILLS: CONSUMERS RARELY GET UP-FRONT ESTIMATES OF MEDICAL COSTS, ACCORDING TO EHEALTH SURVEY eHealth has released results from a survey showing that most consumers are rarely or never advised of their projected costs when receiving medical care. It also found that few consumers can afford to pay their annual deductible. The survey of consumers who purchased Affordable Care Act (ACA) coverage at eHealth was conducted on a voluntary basis in July 2019. A total of 801 responses were collected.

Highlights of the survey report that consumers do not get an up-front estimate of costs: A majority (58%) said they are “rarely” or “never” given an up-front estimate of costs before receiving medical care and most have to ask for cost estimates. Of those who received estimates, 70% had to ask their medical care provider for the estimate; 30% were offered an estimate without asking. Forty-four percent of those given an up-front cost estimate said their final costs exceeded that estimate, according to the survey.

LAW & POLITICS

ILLINOIS COURT APPOINTED SPECIAL ADVOCATES (ILLINOIS CASA) RECEIVES STATE FUNDING FOR THE FIRST TIME Illinois CASA has been awarded a $2,885,000.00 in State funding. This is the first time in Illinois CASA’s 26 years of operation that they have received any state funding. CASA stands for court appointed special advocate. A CASA is a trained, community volunteer who advocates for the best interests of abused and neglected children who are involved with the child welfare system. This funding will be split between thirty-one local programs across Illinois to expand their programing so more kids who have experienced child abuse or neglect can have a specially trained Court Appointed Special Advocate assigned to their case. In addition, there will be money to go into some counties to open new CASA programs to help serve the over 2,000 survivors who do not currently have access to a CASA program.

Executive Director Mari Christopherson stated, “This funding means that more children across Illinois do not have to go through the court process alone. We applaud the Governor in supporting a program that works.”

Tools Of The Trade Prepares Local High Schoolers For Skilled Trade Careers Continued from page 1

BY KATHERINE NEWMAN

A graduation ceremony was recently held for 11 students who successfully completed a seven-week paid apprenticeship known as the Tools of the Trade program. Tools of the Trade is collaboratively hosted by After School Matters and ComEd to prepare young people, ages 16 to 18, for trade careers.

The program is open to students across Chicago and provides them with an opportunity to get hands-on experience and learn real-world skills that can lead them to successful careers as tradespeople. During the seven-weeks, students observe ComEd employees as they work in various capacities throughout the company and are taught basic energy industry concepts, according to information provided by ComEd. “We have a tremendous number of really good paying lifelong-type jobs that you don’t need to go to college for but you do need

to have some physical skills and some mechanical aptitude. Our overhead work, our underground work, our transmission work all have a tremendous number of jobs that require those types of skills and we’re not seeing as much of a workforce there as we’d like to,” said Mark Falcone, vice president of support services at ComEd. ComEd has a well-known history of investing in programs that expose young people to careers in Science, Technology, Engineering, and Math (STEM) with a big focus on college-based career paths but Tools of the Trade was created to expose young people to sustainable career paths that do not require a college degree.

“We really want to run this program as a way to highlight those jobs that are out there and not just at ComEd. There are lots of good jobs, whether you look at plumbers, pipe-fitters, or carpenters, and they’re all looking for the same skill set,” said Falcone.

“If we can open up the eyes of some high

school students, hopefully, they will tell their friends and get this career path to be a little bit more popular and that would be a success for us.”

Not only is this program impactful for students, the ComEd employees also enjoy getting to talk with young people about their careers and show them what they do on a day-to-day basis.

“It’s really cool to see the ComEd folks get involved with the kids and hear about how they’ve enjoyed it. They really get into teaching them something and trying to impart a little bit of their knowledge to them. They get a real kick out of it and they get a lot of satisfaction out of it to know that they’ve perhaps helped a kid right at the very beginning of their entry into a workforce,” said Falcone.

Recruitment for the Tools of the Trade class of 2020 will begin in January. For more information about Tools of the Trade, contact ExternalPrograms@ComEd.com.

Chicago Public Schools Celebrates Conclusion Of Inaugural Summer For Change Program

BY KATHERINE NEWMAN

Over the last six weeks, 400 young people participated in Chicago Public School’s first Summer for Change program which provided at-risk youth with individualized mentoring, group-based therapy, educational opportunities, enrichment opportunities, and a small stipend.

The Summer for Change program recently concluded with a culminating celebration for the students at Chicago State University.

“When Mayor Lightfoot was elected, one of the things that we talked about was how we were going to ensure that children were safe this summer. She came to many of us and asked us for ideas. One of the key ideas we shared was the need to get programming in place for youth, particularly from the most vulnerable situation which are our students from the options schools,” said Jadine Chou, chief of safety and security for Chicago Public Schools.

Before Summer for Change came to fruition, there was a similar program called Choose to Change which Chicago Public Schools adapted to create the new summer program. The program was free for students and their families and each participant received a $200 stipend per week and a free lunch every day.

Throughout the six-week program, students received individualized mentoring for four hours per day, group-based trauma-informed therapy multiple times a week, and enrichment activities such as field trips, community service projects, and recreational activities. Chicago Public Schools was assisted

by Youth Advocate Programs and Children’s Home and Aid in delivering these resources to students during the summer program.

Chicago Public Schools recently celebrated the end of their first Summer for Change program which was designed to keep at-risk students safe for the summer. Photo credit: Chicago Public Schools

“This program taught me how to communicate. I had to call them, I had to let them know that I was coming, I had to let them know when I was leaving and that I was okay. I had to communicate with other peers too and that was a lesson for me but now I can communicate with my sister and my daddy better,” said Kayla, a Summer for Change student. “There is a lot of stuff that was unhealthy for me that I don’t want to do anymore because I know there are other things I could be doing with my time that can bring me income.”

Students who participated in the Summer for Change program were able to stay

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engaged with the school system and stay safe during the summer, meet new people, gain exposure to new ideas and potential pathways, and learn life skills that they will be able to utilize for years to come.

“This program was good, it kept us safe, it kept us going, we had field trips, we did a lot of fun things to help us, and I met a lot of new people that I’m cool with now. Going to this program this summer kept me out of a lot of trouble because I was busy with myself during the daytime. I really appreciate them coming up with this program and it was really truly a blessing,” said Donte, a Summer for Change student.

CITIZEN | South End | Week of Aug. 28, 2019

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NEWS Committee Chairs Request Information from Consumer Bureau on Efforts to Protect Student Loan Borrowers

Target Area Development Corporation, led by Executive Director Autry Phillips (pictured), is a grassroots social justice organization and part of the Communities Partnering for Peace Collaborative. Photo Caption: Provided by Target Area Development Corporation

Grassroots Organization Uses Street Outreach To Reduce Violence And Recidivism

BY KATHERINE NEWMAN

Target Area Development Corporation (Target Area) is a grassroots social justice organization working in Chicago to assist south side communities to build the strength and capacity they need to solve their greatest problems.

The organization uses street outreach to address criminal justice reform, prevent violence, and supporting residents as they return from incarceration.

“Target Area is a grassroots nonprofit faith-based organization located on the south side of Chicago in the community of Auburn Gresham. We have been doing this type of work since 1995 and what we mean by that is street level intervention, re-entry, and organizing. Those are the three things that we do and I believe that we do it well,” said Autry Phillips, executive director of Target Area.

In the beginning, Target Area got its start when a group of south side clergy set out to create safe passageways in their neighborhood by asking groups of people to stop hanging out on the street corner. The group of pastors quickly realized that the people they were asking to leave the corners didn’t have many other places to go and that they too needed some assistance.

“Our street-level intervention work started in Auburn Gresham on 78th Street. There were a bunch of pastors and clergy on the corners telling guys that they had to get off the street without knowing anything about why they

were there, just that it was a nuisance in the community,” said Phillips. “The brothers started asking what they were supposed to go do and where they were going to go.”

From this point, the group of clergy decided to formalize their support services and provide assistance for these people, many of whom felt like they were unable to become functioning members of society, according to Phillips.

Since then, Target Area has expanded its reach and steadily increased its number of street outreach workers to connect vulnerable citizens with resources to support their success.

A few years ago, Target Area Development Corporation became part of the Communities Partnering For Peace Collaborative (CP4P) which is being led by Metropolitan Family Services and has brought together nine nonprofit organizations from nine Chicago communities to work together in preventing violence across the city.

“One thing we have to understand is that what got us here won’t get us there. What we were doing back in 95, back in 2000, and in 2005 is not going to work for 2020. The reason why I believe in the success of CP4P is that we are creating a new way of doing things and collaborating. We have the power of people working together and the power of like-minded people working together on one goal of reducing violence in the City of Chicago,” said Phillips.

To learn more about the Target Area Development Corporation visit www.targetarea.org.

Financial Services Committee Chairwoman Maxine Waters (D-CA), Education and Labor Committee Chairman Bobby Scott (D-VA), and Oversight and Reform Committee Chairman Elijah Cummings (D-MD), sent a letter to Consumer Financial Protection Bureau Director Kathleen Kraninger requesting information and records concerning the CFPB’s efforts to protect consumers from unlawful student loan servicing practices.

In the letter, the Chairs raise concerns that “…the Consumer Bureau has taken actions that weaken its ability to fulfill its mission to protect student loan borrowers,” and that the agency is “…providing potentially harmful and conflicting advice to student loan borrowers.”

The Chairs request records from the Consumer Bureau by no later than September 9, 2019.

Former Student Loan Ombudsman Seth Frotman asserted in his August 2018 resignation letter that CFPB leadership “has abandoned the very consumers it is tasked by Congress with protecting.” The position of Student Loan Ombudsman has been vacant since Frotman resigned in August 2018.

The Chairs also sent a letter to Betsy DeVos expressing deep concern over the Education Department’s failure to protect students and families from student loan companies.

The letter addresses recent reports that the Department is shielding student loan servicing companies from state law enforcement and undermining the CFPB’s oversight of these companies. In March 2019, an independent watchdog found

Maxine Waters

that the Department failed to establish policies to properly conduct oversight of student loan servicing companies.

“As Chairs of Committees with oversight responsibilities over the student loan industry, we are very concerned by reports that under your leadership, the Department of Education has failed to adequately oversee student loan servicers,” the Chairs wrote. “Reports indicate that improper practices by these servicers—including inaccurate determination of monthly payments, forbearance steering, and other practices—directly impact millions of Americans and have ripple effects on their families, communities, and the economy as a whole.”

In addition, the Chairs sent letters recently to federally contracted loan servicers seeking information about their operations, including any strategies or policies that push students into more expensive repayment options.

AMA condemns effort to remove patient nondiscrimination protections In formal comments recently, the American Medical Association (AMA) spoke out against the Trump administration’s proposal to remove anti-discrimination protections related to sexual orientation, gender identity, and the termination of

pregnancy across a wide variety of health care programs and insurance plans.

The AMA noted that the proposal perverts the nondiscrimination provisions included in the Affordable Care Act by drastically limiting

coverage protections despite decades of case law recognizing these protections.

The letter said: “This proposal marks the rare occasion in which a federal agency seeks to remove civil rights protections. It legitimizes www.thechicagocitizen.com

unequal treatment of patients by not only providers, health care organizations, and insurers, but also by the government itself—and it will harm patients. Such policy should not be permitted by the U.S. government, let alone proposed by it.”

The letter concludes: “HHS should not finalize the proposed rule, but rather should redirect their efforts toward advancing health care access and equity for all. The AMA remains ready to assist with such efforts.”

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BUSINESS

Survey: 96% Of Managers Say Their Staff Are Experiencing Some Degree Of Burnout The country is nearly at full employment, but U.S. workers may also be approaching full burnout. On the heels of the World Health Organization defining it as a syndrome resulting from workplace stress, a recent survey from staffing firm Accountemps found that nearly all senior managers (96%) believe their team members are experiencing some degree of burnout. In a separate survey, 91% of workers said they are at least somewhat burned out.

Senior managers were asked to report the level of burnout among employees on a scale of 1 (not at all burned out) to 10 (completely burned out), and the average was 5.6. One in 5 respondents rated their team’s burnout level 8 or higher. Workers also cited an average burnout level of 5.6, with more than a quarter of respondents (28%) falling within the 8 to 10 range.

Workers and managers alike seem to agree burnout is an issue, but they don’t see eye to eye on the main reason. When given a list of factors that may be contributing to employee burnout, workers ranked constant interruptions first, while senior managers believed unmanageable workloads were the biggest issue for their teams.

“Employees are often OK with working hard if they know that their efforts will not go

unnoticed by their employers and it helps them advance their careers,” said Michael Steinitz, senior executive director of Accountemps, a division of Robert Half. “However, maintaining high productivity cannot come at the expense of staff members’ well-being and engagement.”

Steinitz offered advice for organizations facing staffing challenges: “Managers need to identify responsibilities that can be reassigned or put on hold. They can also bring in temporary professionals to alleviate heavy workloads, support day-to-day needs and assist with projects requiring specialized skills. Companies that don’t take steps to prevent employee burnout could drive top performers away and find themselves in a bigger pinch.”

Tips and strategies to help staff are featured in the Robert Half blog article 4 Ways to Prevent Work Burnout at Your Company.

About the Research: The online surveys were developed by Accountemps and conducted by independent research firms.

They include responses from more than 2,800 senior managers at companies with 20 or more employees and more than 2,800 workers 18 years of age or older and employed in office environments in the United States.

About Accountemps: Accountemps, a

Robert Half company, is the world’s first and largest specialized staffing service for temporary accounting, finance and bookkeeping professionals. The staffing firm

has more than 300 locations worldwide. More resources, including job search services and the company’s blog, can be found at roberthalf. com/accountemps.

Sal Tiano Releases “Structural Alpha” with ForbesBooks Top Wealth Advisor Pens Strategies to Build Elite Wealth Management Practice Sal Tiano, co-head of Tiano, Armour & Smyth Wealth Managers at J.P. Morgan Securities, recently announced the publication of Structural Alpha: Building and Maintaining an Elite Wealth Management Practice (available now). The book is published with ForbesBooks, the exclusive business book publishing imprint of Forbes.

In Structural Alpha, Sal Tiano provides readers with a system he’s developed over his 30 years of experience as a wealth manager, acquiring and maintaining high-net-worth clients to grow their businesses. It’s a system built on specific activities and processes that connect advisors with their clients and their families to generate the trust needed to provide the type of high-level service they need and deserve. This practice is known as Structural Alpha.

Tiano explains, “This is not a theoretical book written by a consultant.

It’s a practical book written by someone who was once a newcomer starting with nothing who has grown a successful decades-long wealth management practice—and is still in the trenches, growing his business today.”

In Structural Alpha, Sal Tiano provides readers with a system he’s developed over his 30 years of experience as a wealth manager, acquiring and maintaining highnet-worth clients to grow their businesses.

Outside his career achievements, Sal Tiano has a strong tradition of charitable giving. In keeping with that, all the profits from this book will be donated to highly-rated charities that help underprivileged children.

Structural Alpha: Building and Maintaining an Elite Wealth Management Practice is now available for purchase on Amazon.com.

www.thechicagocitizen.com

CITIZEN | South End | Week of Aug. 28, 2019

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CITIZEN On The Move

Jerome Simmons

IJC 37th INSTALLATION & SCHOLARSHIP AWARDS The Illinois Judicial Council representing Judges, held its annual 17th Annual Installation & Scholarship Awards Banquet.

The packed affair played host to many of the finest lawyers in the city. The Illinois Judicial Council Foundation raises funds to give law school scholarships for prom- Hon. Andrea Buford, MC, Hon. Thaddeus ising students entering colleges and uni- Wilson Co-Chair and Hon. Dominique versities.

Ross Banquet Chair.

Hon.. P. Scott Neville Illinois Supreme Court Justice swears in Hon. Freddrenna M Lyle

New Officers (l-R) Hon.. Judges Allen Walker, Steven Watkins,Bonita Coleman,Thaddeus Wilson, Toya Harvey, Cynthia Cobbs, Carl Boyd, Frederick Bates Kevin Lee, Kimberly Lewis..

IJC past Chairs - Honorable Judges Leonard Murray, Sharon Johnson, Carl Walker, Diane Shelley, Dominique Ross, Andrea Buford, Illinois Supreme Justice P Scott Neville Jr.,Sidney Jones III (ret), Mary Maxwell.

Hon.. P. Scott Neville, Illinois Supreme Court and Hon. Timothy Evans, Chief Judge Circuit Court of Cook County.

Hon. Freddrenna Lyle with the Musical Arts Band - under the direction Michael Manson

Niece and nephew Michael Harris proudly pose with Hon. Freddrenna Lyle, being elected Chairperson of the IJC. .

Chair Freddrenna Lyle Presents to Hon. Cynthia Cobb, outgoing chair a present for outstanding service.

Presenters and awardees - Dean Samuel Jones, Hon.. Marilyn Johnson (ret) Scholars Bryanna Jenkins Cody Morrison, Ryesha Patterson, Pilar Pitts, Hon. Shelvin Hall, Dean Jennifer Perea, Hon.. Sharon Johnson, Hon..Theodore Sherrod Jr.

Hon. Freddrenna M. Lyle is congratulated by family and friends at instal-lation of 2019-2020 Chairperson of the IJC.

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CLASSIFIEDS SERVICE

SERVICE

19 academic year. Completing the FAFSA is the first step in receiving a financial aid award letter from schools. Of those who filed for the 2019-20 academic year, 25 percent did so in October, the first month the application is available. On the other hand, the majority of families waited until January or later to file, potentially missing out on free money for college.

For the complete report and a related infographic, visit SallieMae.com/HowAmericaPays. For new tools and educational resources that promote college planning, visit salliemae.com/college-planning.

“While more families are planning for college costs, we’d like to see that number continue to grow because we know those with a plan are better prepared to meet the costs, and typically have a better understanding of the financial aid process,” says Quinlan. __________________________________

PERSONAL FINANCE Tips to Build Good Credit During and After College (StatePoint) There’s a lot of learning that takes place during and after college, including many lessons outside of the classroom.

When it comes to personal finance, however, young people don’t need to learn their lessons the hard way.

Consider these tips to help you establish good credit that will lay the foundation for a healthy financial future --- well beyond college: Do Your Research With so many reports of rampant consumer debt, you may be tempted to shy away from opening a credit card account, but opening a credit card is a crucial step in establishing a credit history. A healthy credit history is not just necessary for most home and car loans, in many cases, it’s also required for establishing accounts with utility services and signing apartment leases. What’s more, good credit can help you avoid security deposit fees, get better insurance rates, and even help you land that dream job, as many employers run credit checks on candidates.

The good news is that 83 percent of college graduates and 57 percent of current college students have at least one credit card, according to “Majoring in Money,” a recent national study by Sallie Mae and Ipsos. Also, nearly all young adults -- 97 percent -- make at least the minimum payment each month. Moral of the story? Get a credit card and use it responsibly.

Be Selective

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EDUCATION

More Families Have a Plan to Pay for College (StatePoint) College may be getting more expensive, but new research suggests that more families are preparing to meet those costs one way or another.

Eighty percent of families say they are confident in how they paid for college last year, and nearly half have a plan to pay for all years of college, according to “How America Pays for College 2019,” a recent study from Sallie Mae and Ipsos, an independent global market research company.

All this preparation could be attributed to the fact that the overwhelming majority of families recognize the value of higher education, with 90 percent of families agreeing college is an investment.

“The individual and socio-economic benefits of a college education are clear, so it’s particularly gratifying to see that families continue to view college as a worthwhile investment,” says Raymond J. Quinlan, chairman and CEO, Sallie Mae. On average, families report spending

$26,226 on college in academic year 201819, with a sizeable portion of costs -- 43 percent -- covered out-of-pocket through income and savings.

Scholarships, grants, and gifts -- used by 82 percent of families -- covered 33 percent of costs, and that “free money” can be especially important, both logistically and psychologically, opening doors to opportunities that would be otherwise unavailable and even making a difference in the way students view the college experience as a whole.

The study also found that while borrowing covered 24 percent of overall college costs, 57 percent of the families who borrowed to pay for college say they had always planned to do so as part of their paying-for-college strategy. What’s more, many families are getting a head start on paying their loans back, with 41 percent making payments on student loans while the student is in school.

Families are being proactive in other ways, too. Seventy-seven percent of families completed the Free Application for Federal Student Aid (FAFSA) for the 2018-

There are many credit cards marketed specifically to young people. Make sure to select your credit accounts wisely and watch out for programs offering rewards and benefits that make maxing out, and then owing big, all too easy.

Instead, look for credit cards designed to promote and reward long-term financial responsibility, offered by financial institutions committed to customer success. For example, Sallie Mae is introducing a new suite of credit cards with a range of benefits that do just that. The Sallie Mae Ignite card, for example, is designed to help college students responsibly establish and manage credit. For those looking to make progress towards important financial goals, the Sallie Mae Accelerate card offers a cash back bonus program designed to help pay down any student loan. Finally, the Sallie Mae Evolve card, automatically rewards a cash bonus on your top two purchase categories each month.

All three cards feature universal benefits, including U.S.-based customer service, free monthly access to credit scores, immediate access to the card upon approval, a mobile app, and tools to deliver security and control. To learn more, visit salliemae.com/credit-cards.

“Our established relationships with college students and graduates helped us understand what they’re looking for in a credit card,” says Donna Vieira, executive vice president and chief marketing officer, Sallie Mae. “These new credit cards, co-

created and developed with students, parents and recent graduates, provide benefits tailored to their needs.”

Don’t let credit be an undue source of stress as you navigate early adulthood.

Find the right products designed with your needs in mind and establish healthy financial habits.

Darrell Garth

President /Publisher

Janice Garth

Sales Manager General Manager

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