12 minute read
4 2
from The Shopper 9/23/20
by The Shopper
Holiday Season and Finances Sept. 30 is Census Deadline: Have You Sent Yours In?
NANCY ZEKVELD
Advertisement
As I look out of my window I can see that the leaves are beginning to change and fall is about to be upon us! It really seems to be true that Labor Day is the end of summer. The other way I can always tell it’s the end of summer is that the stores are now starting to stock for the upcoming holiday season! It seems way too soon to be thinking about Christmas or even Thanksgiving. ‘Tis the season when kids begin making Christmas wish lists and ours have suddenly come up with the idea that we should take a ski vacation! (sorry kids, it’s not in the budget!)
Looking at if financially though, it really isn’t too soon and in many ways it may already be too late! In my role as a Debt Coach I work with individuals and families who need help with their finances. As they struggle to pay bills or deal with debt, the looming holiday season is a cause for stress and discouragement. They might feel that they are just beginning to get things in order but it will be disrupted by holiday spending.
My main tip is to focus on saving. Instead of using a credit card and paying it off later, try to look ahead and see what you need to spend and divide the amount by the remaining time and put that aside in a savings account. This way January won’t be a time of regret as you face the arrival of credit card payments but instead you will experience the satisfaction of having planned and paid for Christmas.
Something I encourage people in is to set their OWN expectations for what Christmas will be. They should decide for themselves some boundaries and limits according to their budget and also their values. One thing that we do in our family is that the kids buy for one other sibling with a dollar limit set by what we want to spend. We aim to keep the gift giving to a minimum because we don’t want it to become a distraction from the birth of Jesus nor do we want it to be a stress or a burden financially.
Christmas comes every year so start early in the year setting aside what you will need!
And as always if you are already in trouble or want some help budgeting give me a call. My help is always personal and always free!
Nancy is Center Manager for the CAP Debt Help Center, helping people in debt in the South Suburbs of Chicago. She has received CAP training and comprehensive money management training by AFCPE. If you’re struggling to pay bills, feel overwhelmed with any debt, including medical or student loans, reach out for free local credit counseling service. 708-866-5577. Nancy is wife to South Holland Pastor Richard and mom to Anton, Annika, Autumn, Augustin and Adamina. CAPITOL NEWS ILLINOIS
Gov. JB Pritzker appeared in Macomb Friday to promote the census less than 2 weeks before the Sept. 30 deadline for responses.
As of Thursday, Illinois was 16th in the country for “total enumeration,” or the percentage of households in the state that have been counted in the census, at 96.2 percent. The state has been above average when it comes to self-response when household representatives fill out the census themselves by mail, through the phone, or online.
With a 70.5 percent self-response rate, Illinois is 7th in the nation, and first among states with a population over 10 million.
The state’s total enumeration has been dragged down by the difficulty census workers are having reaching households. Doorknocking census takers will go to households that have not yet filled out a census response and record the information of who lives there, a process recorded by the U.S. Census Bureau as “enumerated in nonresponse followup,” or NRFU.
Illinois has an NRFU rate of 25.7 percent as of Thursday, the 10th lowest in the country. The state’s highest self-response and NRFU rates have typically come from suburban parts of the state, with some rural and urban census tracts having lower records of response.
Census counts are directly tied to aid and funding from the federal government. A lower enumeration rate can equal hundreds of millions of dollars lost to Illinois over the next decade. It’s also tied to how many representatives the state receives in the U.S. House.
“The higher the count, the more of your federal tax money comes back to Illinois instead of going to other states,” Pritzker said at the Macomb news conference. “Just a one percent undercount could result in the state losing hundreds of millions of dollars in federal funds, and that’s at a time when, frankly, we need those funds the most.”
According to Pritzker, Illinois is currently one of a few states that receives less money from the federal government than it pays in.
While the census count is normally completed by June, there is a federal lawsuit currently underway to extend the census deadline to an end date of Oct. 31 that was at one time scheduled due to the pandemic. The Trump administration shortened the deadline by a month in July, arguing the Census Bureau and state governments needed the census to be completed earlier to have enough time for the process of drawing new congressional districts and determining representatives.
Pritzker, however, said the state is approaching the deadline as if it is officially Sept. 30.
The census can be filled out at 2020census. gov or by calling 844-330-2020.
Capitol News Illinois is a nonprofit, nonpartisan news service covering state government and distributed to more than 400 newspapers statewide. It is funded primarily by the Illinois Press Foundation and the Robert R. McCormick Foundation.
REAL ESTATE FOR SALE • REAL ESTATE FOR SALE • REAL ESTATE FOR SALE • REAL ESTATE FOR SALE • REAL ESTATE FOR SALE • REAL ESTATE FOR SALE
REAL ESTATE FOR SALE
PUBLISHED 09/23, 09/30, 10/07
IN THE CIRCUIT COURT OF COOK COUNTY, ILLINOIS
COUNTY DEPARTMENT - CHANCERY DIVISION
VILLAGE OF PHOENIX, AN ILLINOIS MUNICIPAL CORPORATION; Plaintiff, vs. MARY C. JOHNSON; JESSE W. JOHNSON; ELM
LIMITED, LLC; INTERSTATE FUNDING CORPORATION;
UNKNOWN OWNERS AND NON RECORD CLAIMANTS; Defendants, 10 M6 3718 NOTICE OF SALE PUBLIC NOTICE IS HEREBY GIVEN that pursuant to a Judgment of Foreclosure and Sale entered in the above entitled cause Intercounty Judicial Sales Corporation will on Monday, October 26, 2020 at the hour of 11 a.m. in their office at 120 West Madison Street, Suite 718A, Chicago, Illinois, sell at public auction to the highest bidder for cash, as set forth below, the following described mortgaged real estate: P.I.N. 29-16-114-001-0000 and 29-16-114- 002-0000. Commonly known as 533-535 Frances Street, Phoenix, IL 60426. The real estate is vacant, abandoned residential land with no structure on it. If the subject mortgaged real estate is a unit of a common interest community, the purchaser of the unit other than a mortgagee shall pay the assessments required by subsection (g-1) of Section 18.5 of the Condominium Property Act. Sale terms: 10% down by certified funds, balance, by certified funds, within 24 hours. No refunds. The property will NOT be open for inspection For information call Mr. Scott Dillner at Plaintiff ’s Attorney, Hiskes Dillner O’Donnell Marovich & Lapp, Ltd., 16231 Wausau Avenue, South Holland, Illinois 60473. 708-333-1234. INTERCOUNTY JUDICIAL SALES CORPORATION intercountyjudicialsales.com I3156260
REAL ESTATE FOR SALE
PUBLISHED 09/23, 09/30, 10/07
IN THE CIRCUIT COURT OF COOK COUNTY, ILLINOIS
COUNTY DEPARTMENT - CHANCERY DIVISION U.S. BANK TRUST NATIONAL ASSOCIATION, NOT IN ITS INDIVIDUAL CAPAC
ITY BUT SOLELY AS OWNER TRUSTEE
FOR CARISBROOK ASSET HOLDING TRUST Plaintiff, -v.- MICHAEL J. WILLIS, DIONNE R. WILLIS, STATE OF ILLINOIS Defendants 2019CH04474 680 E 152ND ST DOLTON, IL 60419 NOTICE OF SALE PUBLIC NOTICE IS HEREBY GIVEN that pursuant to a Judgment of Foreclosure and Sale entered in the above cause on July 2, 2019, an agent for The Judicial Sales Corporation, will at 10:30 AM on October 26, 2020, at The Judicial Sales Corporation, One South Wacker Drive, CHICAGO, IL, 60606, sell at a public sale to the highest bidder, as set forth below, the following described real estate: Commonly known as 680 E 152ND ST, DOLTON, IL 60419 Property Index No. 29-10-410-034-0000 The real estate is improved with a residence. Sale terms: 25% down of the highest bid by certified funds at the close of the sale payable to The Judicial Sales Corporation. No third party checks will be accepted. The balance, including the Judicial Sale fee for the Abandoned Residential Property Municipality Relief Fund, which is calculated on residential real estate at the rate of $1 for each $1,000 or fraction thereof of the amount paid by the purchaser not to exceed $300, in certified funds/or wire transfer, is due within twentyfour (24) hours. No fee shall be paid by the mortgagee acquiring the residential real estate pursuant to its credit bid at the sale or by any mortgagee, judgment creditor, or other lienor acquiring the residential real estate whose rights in and to the residential real estate arose prior to the sale. The subject property is subject to general real estate taxes, special assessments, or special taxes levied against said real estate and is offered for sale without any representation as to quality or quantity of title and without recourse to Plaintiff and in “AS IS” condition. The sale is further subject to confirmation by the court. Upon payment in full of the amount bid, the purchaser will receive a Certificate of Sale that will entitle the purchaser to a deed to the real estate after confirmation of the sale. The property will NOT be open for inspection and plaintiff makes no representation as to the condition of the property. Prospective bidders are admonished to check the court file to verify all information. If this property is a condominium unit, the purchaser of the unit at the foreclosure sale, other than a mortgagee, shall pay the assessments and the legal fees required by The Condominium Property Act, 765 ILCS 605/9(g)(1) and (g)(4). If this property is a condominium unit which is part of a common interest community, the purchaser of the unit at the foreclosure sale other than a mortgagee shall pay the assessments required by The Condominium Property Act, 765 ILCS 605/18.5(g-1). IF YOU ARE THE MORTGAGOR (HOMEOWNER), YOU HAVE THE RIGHT TO REMAIN IN POSSESSION FOR 30 DAYS AFTER ENTRY OF AN ORDER OF POSSESSION, IN ACCORDANCE WITH SECTION 15-1701(C) OF THE ILLINOIS MORTGAGE FORECLOSURE LAW. You will need a photo identification issued by a government agency (driver’s license, passport, etc.) in order to gain entry into our building and the foreclosure sale room in Cook County and the same identification for sales held at other county venues where The Judicial Sales Corporation conducts foreclosure sales. For information, examine the court file, CODILIS & ASSOCIATES, P.C. Plaintiff ’s Attorneys, 15W030 NORTH FRONTAGE ROAD, SUITE 100, BURR RIDGE, IL, 60527 (630) 794-9876 THE JUDICIAL SALES CORPORATION One South Wacker Drive, 24th Floor, Chicago, IL 60606-4650 (312) 236-SALE You can also visit The Judicial Sales Corporation at www.tjsc.com for a 7 day status report of pending sales. CODILIS & ASSOCIATES, P.C. 15W030 NORTH FRONTAGE ROAD, SUITE 100 BURR RIDGE IL, 60527 630-794-5300 E-Mail: pleadings@il.cslegal.com Attorney File No. 14-17-17294 Attorney ARDC No. 00468002 Attorney Code. 21762 Case Number: 2019CH04474 TJSC#: 40-2192 NOTE: Pursuant to the Fair Debt Collection Practices Act, you are advised that Plaintiff ’s attorney is deemed to be a debt collector attempting to collect a debt and any information obtained will be used for that purpose. Case # 2019CH04474 I3156406
REAL ESTATE FOR SALE
PUBLISHED 09/16, 09/23, 09/30
IN THE CIRCUIT COURT OF COOK COUNTY, ILLINOIS
COUNTY DEPARTMENT - CHANCERY DIVISION
BAYVIEW LOAN SERVICING LLC; Plaintiff, vs.
SYNOVIA DAVIS FKA SYNOVIA WARREN; TAYLOR
WARREN; BMO HARRIS BANK NATIONAL ASSOCIATION FKA HARRIS NA; UNKNOWN OWNERS AND NONRECORD CLAIMANTS; Defendants, 19 CH 9558 NOTICE OF SALE PUBLIC NOTICE IS HEREBY GIVEN that pursuant to a Judgment of Foreclosure and Sale entered in the above entitled cause Intercounty Judicial Sales Corporation will on Monday, October 19, 2020 at the hour of 11 a.m. in their office at 120 West Madison Street, Suite 718A, Chicago, Illinois, sell at public auction to the highest bidder for cash, as set forth below, the following described mortgaged real estate: P.I.N. 29-18-118-014-0000. Commonly known as 211 West 155th Street, Harvey, IL 60426. The mortgaged real estate is improved with a single family residence. If the subject mortgaged real estate is a unit of a common interest community, the purchaser of the unit other than a mortgagee shall pay the assessments required by subsection (g-1) of Section 18.5 of the Condominium Property Act. Sale terms: 10% down by certified funds, balance, by certified funds, within 24 hours. No refunds. The property will NOT be open for inspection. For information call Law Clerk at Plaintiff ’s Attorney, The Wirbicki Law Group, 33 West Monroe Street, Chicago, Illinois 60603. (312) 360-9455. W19-0710 INTERCOUNTY JUDICIAL SALES CORPORATION intercountyjudicialsales.com I3155867
Prepare for power outages with a Generac home standby generator
SCHEDULE YOUR FREE IN-HOME ASSESSMENT TODAY! 855-337-6786 FREE
7-Year Extended Warranty* A $695 Value!
O er valid August 24, 2020 - December 31, 2020
Special Financing Available Subject to Credit Approval *Terms & Conditions Apply
R We There Yet
TRANSPORTATION OF THE SOUTH SUBURBS
PRE-REGISTRATION FOR 2020-2021 SCHOOL YEAR BACK TO SCHOOL $65 ROUND TRIP TO AND FROM SCHOOL!
$ 15
Invite 30,000 people to your next Garage Sale!
Garage Sales cost $15 for all zones
$ 15
Date(s) _________________________________ Time _________________ Phone _______________________ Not For Print Items for Sale, Directions or Rain Date (Only 12 words)
DROP OFF OR MAIL TO: The Shopper • 924 E. 162nd Street, South Holland, IL 60473 PLACE ONLINE: www.myshopper.biz Deadline: Friday 4 p.m. in the office. It’s a pleasure serving you!
One solution for oxygen at home, away, and for travel
Introducing the INOGEN ONE – It’s oxygen therapy on your terms
No more tanks to re ll. No more deliveries. No more hassles with travel. The INOGEN ONE portable oxygen concentrator is designed to provide unparalleled freedom for oxygen therapy users. It’s small, lightweight, clinically proven for stationary and portable use, during the day and at night, and can go virtually anywhere — even on most airlines. Inogen accepts Medicare and many private insurances!
Reclaim Your Freedom And Independence NOW! HOME STAIRLIFTS
Installs Directly on Stairwell Narrow Profile Safety Sensors
