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Wednesday • July 31st • 2013
Illinois Law Now!
...WHERE SMART SHOPPERS SHOP!
+
GET
0
L DIESE IN ! K C STO
% APR X 72MOS. CRUZE SPARK $10 995 $5,000 $13 940 38 MPG†
#13884
NEW 2013 CHEVY
46 MPG†
^
#13701
NEW 2013 CHEVY
MSRP $12,995**
MSRP $17,940**
*
*
,
IN REBATES!††
37 MPG
†
$
#13706
MSRP $22,805**
17,995
*
30 MPG†
The “Real Life” Real Estate Column #13504
^^
NEW 2013 CHEVY
2 YEARS OF FREE MAINTENANCE!
MALIBU
EQUINOX MSRP $25,015**
19,995
$
WITH ALL NEW 2014 CHEVYS
≈
NEW 2013 CHEVY
ALL NEW 2014 CHEVY
MSRP $24,245**
MSRP $27,535**
CAMARO
*
31 MPG†
IMPALA
19,995 24,535
$
#13834
*
$
*
SAFE CARS FOR LESS
1ST TIME EVER 0% APR ON CERTIFIED PRE-OWNED VEHICLES¥
2012 Chevy MALIBU LT Chevy SONIC LS 95 PONTIAC GR PRIX #10564NE, ONLY 78K MILES! .. $1,991* $2012 $ 14 991 12 974 07 FORD FOCUS WAGON #10536UE ......... $1,991* 97 CHEVY BLAZER #10560NE, LOW MILES! .. $2,881* 2013 Chevy IMPALA LTZ 2012 Chevy IMPALA LT $ 02 CHEVY PRISM #10548NE ...................... $3,288* $16 974 18 777 05 BUICK LACROSSE #10574NE ................ $4,777* 08 PONTIAC GRAND PRIX #10571NE........ $7,991* 2012 Chevy SILVERADO W/T 2011 Chevy EQUINOX LT $ 19 974 08 FORD FUSION SEL #10576N................. $8,745* $19 222 $ * 08 CHEVY MALIBU #10556N ...................... 8,881 ,
*
,
*
#10238N
18033 S. HALSTED HOMEWOOD, IL 60430
855.949.6000
*
,
*
#10585P, Pre-Driven
#9741P
,
,
#10522N
#10277N
*
#14008
HOME OF THE GUARANTEED CREDIT APPROVAL! ++
• 12 Month/12K Mile Bumper To Bumper Warranty~ • 2 Year/24K Mile Maintenance Plan~ • Courtesy Transportation • 24 Hour GM Roadside Assistance • Special GM Financing Available & More!~
,
#10178P
*
Question: When do people typically use small claims court to settle their legal disputes? Answer: An individual or corporation doing business in Illinois can sue or be sued in small claims court. Small claims court may be used for only certain types of cases, such as breach of contract, property damage, or personal injury; evictions, repossessions of property, and garnishment of wages to enforce court-ordered judgments. The maximum judgment allowed in small claims court is $10,000 plus costs. For more information about Illinois law, visit www. illinoislawyerfinder.com. If you have a legal question, send it to illinoislawcolumn@isba.org.
32 MPG†
1,500
TRADE IN BONUS CASH
NEW 2013 CHEVY
$
,
Question: My home was damaged by the recent storms, and I need assistance wading through the complexities of insurance claims and home repair contracts. Where can I go for help? Answer: The Illinois State Bar Association (ISBA) can refer you to a practicing lawyer in your area who has agreed to provide an initial half-hour consultation for a fee not to exceed $25. There is no obligation to hire the lawyer. Call 877-622-3845 or visit www.illinoislawyerfinder.com. Among the services that an ISBA lawyer may provide are assistance with insurance claims, home repair contracts and consumer protection matters; counsel on landlord-tenant, mortgage foreclosure or other housing issues; replacement of important legal documents which may have been destroyed; and assistance in connecting people with agencies that might be able to help.
PRE-OWNED CARS & TRUCKS
07 CHEVY TRAILBLAZER #10549N ............... $10,991* 05 DODGE RAM 1500 #10552U .................... $12,877* 10 HONDA CR-V 4WD LX #10568U .............. $15,721* 13 CHEVY CRUZE AUTO #10544N, PRE-DRIVEN ... $15,991* 13 KIA SOUL #10532N, PRE-DRIVEN................. $17,533* 09 PONTIAC GS #9996P ..................................... $18,991* 10 VOLKSWAGEN EOS CONVT #10234N .............. $20,608* 13 DODGE CHARGER SXT #10559P, PRE-DRIVEN ..... $24,991* 09 JAGUAR XF SUPERCHARGED #10514N ....... $31,711*
HOMEWOODCHEVY.COM
20 Minutes
10 Minutes
OAK LAWN
CHICAGO
from
from
15 Minutes
SALES: M-F 9A-9P • SAT 8:30A-7P ExtEndEd SErvicE HourS! M-tHr 7:30a-7p, F 7:30a-6p • Sat 8a-4p We welcome all General Motors & Saturn Owners
from
TINLEY PARK 15 Minutes from
20 Minutes from
HIGHLAND INDIANA
FRANKFORT
*New car prices include applicable manufacturer incentives & manufacturer rebates. Plus tax, title, license & doc fee. In lieu of special financing. **MSRP may not be price at which vehicle is sold in trade area. ^With approved credit. On select models in lieu of manufacturer rebates & manufacturer incentives. Ex: $13.89 per $1,000 financed with $0 down. ^^On select models. Factory program must have 99 newer for trade-in. See dealer for details. +We’ll beat any advertised deal on invoice cost. Excludes trades. Must be exact make/model. See dealer for details. ++May require good down payment. †EPA’s estimated highway MPG’s. ††On select models. Must qualify. See dealer for details. ~On select certified vehicles. See dealer for details. ≈Factory program. See dealer for details. Excludes Cruze ECO & dually trucks. ¥With approved credit. On select certified pre-driven vehicles. Ex $27.78 per $1,000 financed with $0 down for 36 months. See dealer for details. Dealer will not honor any pricing errors in this advertisement. Prices are good 2 days from date of publication. Pictures are for illustration purposes only. See dealer for details.
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How to improve credit and savings
arthur v. veal iv In my opinion only two things can help you reach your financial goals. These two things are credit and savings. So here are some tips on how to get your credit and your savings in better condition and position yourself for success. First, you must be willing to change some of your habits and begin to save. The art of saving has been lost in recent times for Americans. Fewer and fewer younger families are saving anything. It has almost become the norm in some circles to live paycheck to paycheck. In order to begin to accomplish financial goals you must become more of a saver. This will benefit you in other areas of your finances as well. Now most people say “I can’t save because I don’t make enough” but the truth of the matter is that you can save. You just have to choose what is more important. Is saving more important or premium cable? Is saving more important or do you have to go out every single weekend? Saving is possible but often times it will take some form of sacrifice. The funny thing is that after you cut things off they will seem less and less significant anyway... In fact often after you cut things off you will begin to wonder why that thing was so important
anyway. The savings offers its own set of rewards. The other part of the equation is effectively using your credit. Even if you have had a job loss or a medical setback, you are responsible for correcting what you can. You can correct credit problems by talking with your creditors. If you cannot pay your creditor the agreed amount, then let them know what you can pay. Setup a payment schedule that works for you. If you are too far behind on payments then try to settle the entire balance with your creditor. Call them and let them know what you are willing to pay them and ask if they want to accept that amount. If they say no then call the next creditor and ask them the same thing until one of your creditors says yes, they will accept it. These actions can help your finances drastically and put you on a path to financial success. These are all small changes with very big results. So take inventory of what you can live without and get started TODAY! Until next week, Good luck and God Bless and remember… If you want to sell your house within 7 days regardless of if you have equity… check out our informative website at www.sellonterms.com for more information.