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The Shopper 02/26/25

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RED CROSS MONTH Wednesday • February 26, 2025 • INSIDE THIS ISSUE • GAMES & PUZZLES - Page 6 • LIBRARY EVENTS - Page 7 • CLASSIFIEDS - Page 8

Nearly 300 Attend Black History Event

Ashia Johnson; Traditional African Dance. Photo provided by Tom Shepherd –––––––––––––––––––––––

More that 250 people filled the pews at the First Reformed Church in South Holland Friday evening for a program hosted by the Midwest Underground Railroad Network (MURN) to enjoy music, traditional African dance, storytelling, drama and more. The event was billed as a Celebration of Black History Month, sponsored, in-part, by the Village of South Holland and MURN, an organization devoted to public teaching about the the stories of escaped slaves- Freedom Seekers- and those who assisted them on their journeys toward freedom prior to the Civil War and Emancipation. Attendees were treated to several selections of spiritual song provided by the South Holland Master Chorale under the direction of Conductor Phil Bauman. Solos by Lana Lewis (with Audience participation), “Wade in the Water” and “Lord, How Come Me Here;” and Alvin “The Voice” Mack singing “Deep River” and “Sometimes I feel Like a

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Motherless Child.” Ashia Johnson excited the crowd with a lively African dance routine. Faces of Light Drama Club, under the direction of Susan Reese from Calvin Christian School, performed a skit about young Caroline Quarlls, who escaped slavery in Missouri at age 16, making the rugged 1,200 mile trip to freedom in Canada- dodging slavecatchers along the way. The occasion was also an opportunity for MURN to announce their new name, formerly the Little Calumet River Underground Railroad Project, and to introduce their move to the First Reformed Church campus. Among the audience were Village Trustee Cynthia Nylen and the Deputy Consul General of the Netherlands, Jeroen Beekman. For more information about the Midwest Underground Railroad Network, visit undergroundrailroadproject.org

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(708) 302-8585 Cell janice.mintonkutz@cbexchange.com Storyteller Mama Edie Armstrong and Drummer Obari Cartman. Photo provided by Tom Shepherd –––––––––––––––––––––––

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Speaking Of Seniors

Chicago Area Hospital Goofed Bill

CATHY & JIM HIGGINS

WOODROW WILCOX

Question: One day we hear it’s a Buyer’s market, then we hear it’s a Seller’s market. Which is it now? Answer: A buyer’s market occurs when supply exceeds demand. To put it another way, there are plenty of homes for sale, but there’s a shortage of interested buyers. These conditions give buyers leverage over sellers because when supply is higher and demand is lower, the market is forced to respond. In a buyer’s market, real estate prices decrease, and homes linger on the market longer. So, sellers must compete with each other in order to attract buyers. Typically, sellers will drop their asking prices to gain an advantage in the market. Furthermore, they are much more willing to negotiate offers to prevent buyers from walking away. A seller’s market arises when demand exceeds supply. In other words, there are many interested buyers, but the real estate inventory is low. Since there are fewer homes available, sellers are at an advantage. In a seller’s market, homes sell faster, and buyers must compete with each other in order to score a property. These market conditions often make buyers willing to spend more on a home than they would otherwise. Therefore, sellers can raise their asking prices. The market has shifted in the last 2 years from a strong sellers’ market to a somewhat strong sellers’ market. Multiple contracts are not quite as common, but selling prices are still good. When will this change? When Home supply is greater than demand. E-mail us your Real Estate questions at Cathyah@aol.com. Thinking of selling your home? Call Cathy & Jim Higgins, Licensed Broker/ Realtors in Indiana & Illinois. IN: 219-865-4361 IL: 708-828-3304. McColly Real Estate. Website: www.Cathyhiggins.com. Personal Real Estate Journal: www.Higginshousechat.blogspot.com

On January 23, 2025, I met with a client to review the papers regarding a bill from a Chicago area hospital for $1,668.54. The client is a senior citizen woman from Crown Point, Indiana. I worked with the client over two hours -- from 11 am to 1:30 pm. With some editing to protect privacy, here is the letter that I sent to the patient billing department of the hospital. Dear Patient Billing Manager, You sent our client a bill with a balance of $1,668.54 on Guarantor Number XXXXXXX for services rendered 4/10 through 11/2024. I reviewed the bill with her and phoned her secondary insurer to learn what it knew of this claim. Here is what the secondary insurer reported. It got the claim on 10/25/2024. It returned the claim to your firm with a letter on 10/28/2024. That letter requested that your firm resubmit the claim with the Medicare Remittance Advice from the original MAC that had jurisdiction. The secondary needs the original with details. You sent them only a summary. If you have questions, phone the secondary at 866-XXX-XXXX. Send the items to Claims, [company name and address]. All the help that I gave this client was FREE OF CHARGE. This insurance agency helps all our clients with such medical bill problems. We do that to demonstrate to our clients that we really appreciate and care about them. If your insurance agent or agency does not give the same high level of customer service, why don’t you switch to one that does. We do! Note: Woodrow Wilcox is the senior medical bill case worker at Senior Care Insurance Services in Merrillville, Indiana. He has saved clients of that firm or three million dollars. Also, Wilcox wrote the book SOLVING MEDICARE PROBLEM$ which is available from book stores or online.

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