The Shopper 6/11/2025 by The Shopper

Giannoulias Legislative Initiatives

Approved by General Assembly

Several initiatives spearheaded by Secretary of State Alexi Giannoulias aimed at enhancing road safety, bolstering library security and modernizing the office to boost efficiency were approved by state lawmakers.

“This legislative session we have made a great deal of progress in areas that will make a real difference in the everyday lives of Illinoisans,” said Giannoulias, referring to the bills passed out of the General Assembly during its spring legislative session that recently ended and now await consideration by Governor JB Pritzker. They include: Making Roads Safer

House Bill 1226 calls for enhanced safeguards to bolster road safety while increasing the age at which Illinois drivers must take a behind-the-wheel driving test from 79 to 87.

The bill would establish new procedures aimed at preventing unsafe motorists – regardless of age – from driving. If a motorist’s driving skills begin to significantly decline or cognitive or medical issues prevent safe driving, immediate relatives could request that the Secretary of State’s office review a submitted written report, which could require the driver to undergo a driving test or submit a medical report from their physician.

Illinois is currently one of only five states that do not allow immediate family members to report concerns about a relative’s driving ability. In addition, Illinois is the only state inthe nation that requires a behind-the-wheel driving test for seniors based on age.

HB 1226 was sponsored by State Representative Jay Hoffman (113th District-Belleville) and State Senator Ram Villivalam (8th District-Chicago).

Protecting Public Libraries & Librarians

Amid an alarming increase in threats of violence to libraries and librarians across Illinois, Senate Bill 1550 would enable the Secretary of State’s office to issue security grants for libraries throughout the state, ensuring their ability to provide a safe environment for patrons, employees and the community.

Under the legislation, grant applicants would have the ability to request funding to install things like security cameras, silent alarms, or security checkpoints.

SB 1550 was sponsored by State Senator Laura Murphy (28th District-Des Plaines) and State Representative

Cook

Cook County Treasurer Maria Pappas plans to postpone the Annual Tax Sale for seven months, during which time she hopes to work with legislators on comprehensive property tax foreclosure reform measures.

At Pappas’s urging, the Illinois General Assembly last week passed legislation that allows the Treasurer to postpone the Annual Tax Sale previously set to be held this August. The legislation also provides that during the delay no additional interest will be charged on delinquent bills subject to the sale. Once the legislation officially becomes law, she will be allowed to delay the sale until March 2026. “I commend the members of the General Assembly for giving me the flexibility to postpone the tax sale, and for minimizing the amount of interest that late-paying property owners will face after the postponement,” Pappas said. “The delay gives me the time to collaborate with

Modernizing State Court of Claims

House Bill 1576 would modernize the way the Illinois Court of Claims functions and expedite the business of the court, which is reliant on paper filings and in-person sessions that can cause delays.

The measure enables the court to hold sessions remotely and allows the public to file claims, provide evidence or testimony, and pay fees electronically.

HB 1576 was sponsored by State Representative Terra Costa Howard (42nd District-Lombard) and State Senator Michael Halpin (36th District-Rock Island).

Preventing CDL Exam Cheating

House Bill 2983 is a piece of multi-pronged legislation that would add protections to prevent Commercial Driver’s License (CDL) exam cheating, allow the office to administer tests online and enhance bicycle safety.

The measure criminalizes any attempt to have someone else provide answers to an individual taking a CDL exam, including attempts to use a hidden microphone or cell phone.

The bill would also enhance the office’s Rules of the Road publication and driver education courses to include information about the laws and best practices for safely sharing the road with bicyclists and pedestrians. It also requires that a vehicle overtaking a bicycle make a lane change into another available lane before passing the cyclist.

HB 2983 was sponsored by State Representative Edgar González Jr. (23rd District-Chicago) and State Senator Steve Stadelman (34th District-Rockford).

Safeguarding Personal Information

Senate Bill 1467 enhances protections for the personal information contained in vehicle records, making its confidentiality consistent with that of driver licenses and ID cards.

The measure classifies an individual’s photograph, signature, social security number, email address and medical information included in vehicle records as confidential, protecting it from third-party access.

SB 1467 was sponsored by State Senator Ram Villivalam (8th District-Chicago) and State Representative Michael Kelly (15th District-Chicago).

housing advocates and other partners on comprehensive property tax foreclosure reform legislation that’s good for Cook County, the state of Illinois, and property owners. The time for stopgap reform measures has passed. Now is the time for significant and enduring reform.”

Cook County’s Annual Tax Sale is required by state law and typically must be held no more than 13 months after the second installment due date. During the sale, tax buyers pay delinquent property taxes in exchange for a lien on the property. If property owners don’t pay off that lien, with interest, the tax buyer can take title to the property.

Pappas’s postponement request came in the wake of a 2023 decision by the United States Supreme Court that called into question the way property tax collection enforcement has been conducted in Illinois and many other states.

Michael Coffey Jr. (95th District-Springfield).

Should you pay off debts or invest?

SUBMITTED BY PATRICK ZAMKIN

Some financial decisions can be challenging — like whether to use your money to reduce your debt or to invest. If you already have a significant amount of debt and not a lot in savings or investments, it can be hard to figure out which issue should be a priority.

There’s no simple answer, and everyone’s situation is different, but here are a few suggestions for helping you make a good choice:

• Evaluate your cash flow. If you already have enough after-tax income to meet your monthly living expenses, you might lean toward investing any leftover cash, but if you are just getting by, possibly due to heavy debt payments, then you might be better off using your funds to reduce your debt load.

• Build an emergency fund Paying off your debt as fast as possible may seem like the responsible thing to do, but not having an adequate emergency fund or saving for your future could leave your finances at a permanent disadvantage. It’s a good move to have an emergency fund containing three to six months’ worth of living expenses, with the money kept in a liquid, low-risk account. Once you have such a fund, you could use it, instead of going into debt — or adding to your debt — to pay for unexpected costs, such as a new furnace or a major car repair.

• Evaluate your debts. Some of your debts are actually more “expensive” to you than others. This expense level doesn’t necessarily refer to the size of the debt, however. You might have a large mortgage, for instance, but because your interest payments are typically tax deductible, your “after-tax” interest rate may be relatively modest. Therefore, you might consider investing rather

than paying down your mortgage. But if you have consumer loans or credit cards that carry a high interest rate and whose interest payments are not deductible, you might be better off paying down or refinancing this debt.

• Take advantage of any employer match. If your employer sponsors a retirement plan and offers a match, you will want to prioritize contributing at least what is required to receive the match. It’s essentially free money. So, if your employer matches up to 3% of your contributions, for example, you should contribute at least 3% of your income to this retirement account. Additionally, some employers will match a portion of your contributions to a Health Savings Account. Eventually, you’ll likely want to get to a point of saving more than just the match, but you’ll have to weigh the benefit of additional contributions against the cost of any debt you’re carrying.

• Make it easier on yourself. To make achieving these goals easier, automate as much as you can. For example, you can divert part of your paycheck into an emergency savings account or a retirement account through automatic payments for any debt reduction or savings needs.

While it may seem like a huge endeavor to pay off your debt while still saving for the future, it doesn’t have to be. Taking small, incremental steps is key to helping you get to where you want to go.

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor, Patrick Zamkin, located at 18735 Dixie Hwy, Homewood, IL 60430. Contact us at (708) 798-9066. Edward Jones. Member SIPC.

Real Estate Specialists

Real Estate Questions & Answers

Q. My Home has been for sale for several months now. We have had very few showings. Where have all the buyers gone?

A. Many homeowners who are trying to sell their homes have been asking that. One reason is many buyers will not qualify for a loan due to the current higher interest rates. Another reason is that buyers are waiting for rates to come down, even though they can refinance at a later date. Another simple answer is that homeowners need to look in the mirror. That is because every seller is waiting for his or her transformation into a buyer.

As the home seller, if you are going to “wait until the right buyer comes along,” or “wait for the market to catch up to your asking price,” then you could be waiting for a long time. Unfortunately, many sellers will make the mistake of holding out for an unrealistic price well

beyond the point that it makes economic sense to do so. These sellers will be missing the opportunity to get a good deal on their next home.

By waiting (and hoping) for the market to change in their favor, these sellers are forgoing the benefits of the current market. You can’t have the best of both worlds. If you are holding out for an unrealistic sales price, then you are predicting that we will find ourselves in a seller’s market or at least trending in that direction. And we can’t be in both a buyers & seller’s market at the same time.

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: 708-8283304. McColly Real Estate. Website: www.Cathyhiggins.com. Personal Real Estate Journal: www.Higginshousechat. blogspot.com

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The Shopper reserves the right to edit any content supplied for publication as it sees fit, including but not limited to clarity, grammatical and factual accuracy, and to accommodate available space. All real estate advertising in this newspaper is subject to Fair Housing Laws which makes it illegal to advertise “any preference, limitation or discrimination based on race, color, religion, sex, national origin, familial status, sexual orientation, marital status, military status, age, ancestry, parental status, source of income, military discharge status or housing status,” no matter how large or small the property. This newspaper will not knowingly accept any advertising for real estate which is in violation of the law. Our readers are hereby informed that all dwellings advertised in this newspaper are available on an equal opportunity basis. To complain of discrimination call HUD toll-free at 1-800-669-9777. The toll-free telephone number for the hearing impaired is 1-800-927-9275.

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LOCAL CHURCHES

ChristCommunityCOGIC.org

PASTOR DR. CARL E. KING, SR.

RECONCILIATION CHURCH

833 East 168th St., South Holland

708-331-7755

www.reconciliationchurch.org

PASTOR GLEN MCCARTHY

WORSHIP SERVICES

COVENANT UNITED CHURCH OF CHRIST 1130 East 154th St., South Holland

708-333-5955

www.covucc.org

PASTOR REV. DR. PATRICK L. DAYMOND WORSHIP SERVICES Sunday Worship 7:30 a.m. 11:00 a.m.

708-474-9610 www.firstchurchpca.org

FIRST ORTHODOX PRESBYTERIAN CHURCH OF SOUTH HOLLAND 16248 South Park Ave., South Holland

708-333-8211

www.firstchurchsh.org

PASTOR REV. DANIEL SVENDSEN WORSHIP SERVICES Sunday 9:30 a.m. & 5:30 p.m.

Sunday Worship 10:00 a.m. Wednesday Bible Study 7:00 p.m.

REDEEMER LUTHERAN CHURCH

651 East 166th St., South Holland

708-331-4100

redeemer-lutheran@sbcglobal.net

WORSHIP SERVICES

Sunday 9:30 a.m.

Sunday School 10:45 a.m.

Channel 6 Tues. 10:00 a.m.

ST. PAUL’S EVANGELICAL LUTHERAN

CHURCH & SCHOOL

8601 Harrison Avenue, Munster, In. 46321 219-838-6720 stplmunster.com

Pastors: Peter Speckhard, Adrian Krebs

WORSHIP SERVICES: Monday: ..........................................6:30 p.m. Sunday: .....................8:00 a.m. & 10:15 a.m.

Bible Study: Sundays at ........9:15am (Sunday school at this time too)

2nd & 4th Tuesdays of the month (Ladies’ Bible Study) Wednesdays at 10am Thursdays at 10am (Nursery available for Sunday morning services)

ESPIRITU DE DIOS

16400 S. State St., South Holland

708-439-1220 sogfchurch.com

PASTORES Jose & Paula Lopez

8303

SERVICIOS: Grupo de Oracion de Hombres Jueves ........................................... 7:30 p.m. Sabado Alabanza y Predicacion.....6:00 p.m.

UNITY OF NORTHWEST INDIANA

Plum Creek Center

2138 Moeller Street Dyer, IN 46311 (219) 931-5284

www.unitynwi.org ALL WELCOME

MINISTER: REV. GERALDINE COLVIN

SUNDAY SERVICE.......................10:00 AM

Heart Smart

JOSH BOOTSMA

Perhaps we’re too hard on “Doubting Thomas.”

Thomas was one of Jesus’ disciples, and, upon hearing of Jesus’ resurrection, insisted on seeing and touching Jesus before he would believe He was alive.

Jesus’ response to Thomas’ doubt is recorded in John 20:24-29. Jesus tells Thomas to touch his hands and feel his pierced side. Jesus doesn’t curse Thomas for his doubt, he responds with the exact specific assurance Thomas said he needed!

Jesus doesn’t define Thomas by his doubt, and He doesn’t define you or me by our doubts either.

Doubt and unbelief are not the same.

Doubt says “I have questions.” Unbelief says, “I know all the answers.” Doubt says, “I’m open to discovering more about God.” Unbelief says, “I’m closing myself off to God.”

Doubt can be God’s way to refine you, to bring you to a fuller understanding of Himself.

19th Century poet Lord Alfred Tennyson wrote a poem called “Doubt and Faith” telling the story of a man who challenges the notion that doubt is “Devil-

born.” A selection is below: Perplext in faith, but pure in deeds, At last he beat his music out. There lives more faith in honest doubt, Believe me, than in half the creeds. He fought his doubts and gathered strength, He would not make his judgment blind, He faced the spectres of the mind And laid them: thus he came at length

To find a stronger faith his own; And Power was with him in the night, Which makes the darkness and the light, And dwells not in the light alone.

Covenant Fellowship Church of South Holland is hosting a Men’s Accountability Group focused on the pursuit of healthy masculinity, sexual accountability, and Christ-like fidelity — even amid the doubts of life and faith. Email me at joshbootsma@ gmail.com for more information.

Josh Bootsma Director

of Ministries, Covenant Fellowship Church cfcsh.org

Is Being Grateful the Key to Happiness?

by Janice R Newman

Searching for the key to happiness has been a universal search for and pursuit of people for centuries. Everyone wants to be happy and enjoy life in their personal relationships with family friends, work, purpose, finances, and overall well-being. People seek a fulfilling and joyful life. One concept of achieving happiness is having a spirit of gratefulness. Being grateful is to be thankful, by acknowledging and showing appreciation for the positive aspects of life amid challenges and external circumstances. Gratitude can shift our focus from what’s lacking to what’s present.

Finding happiness through gratitude is about fostering an attitude of positivity and acknowledging the blessings we have, no matter how small they may seem. The bible verse Psalm 118:24 (NASB 1995) reminds us to be grateful daily “This is the day that the Lord has made; let us rejoice and be glad in it.” This is a message for us to appreciate and rejoice in the blessing of being alive. Grateful individuals typically have higher levels of contentment and life satisfaction. Here are a few ways to be grateful can increase our levels of happiness.

1. Positive Relationships: Be selective in your relationships and how much time and effort you engage in them. You must be selective because you become the closest five people you hang around the most. You will start taking on other people’s character, personality, and mannerisms, the more you’re around them. A negative bad apple can ruin the whole batch, so watch your apples carefully.

2. Shift Focus to Positive: Focus on what you have and what’s going right versus the negative of what’s went wrong, what’s missing, or how you could have done better. “Woulda”, “Coulda”, and “Shoulda” do not belong in your vocabulary. Reflect on past experiences, on moments when you genuinely felt happy. What were you doing? Who were you with? What aspects of those past experiences brought you happiness?

3. Set Reasonable Goals: Set goals that

are attainable but not exceedingly too high to reach or that may cause pain and depression because you didn’t achieve them. Unrealistic expectations and goals can set individuals up for disappointment and a sense of failure. You will have difficulties in enjoying what you did accomplish. Gratitude teaches us to appreciate our achievements.

4. Practice Gratefulness: Practicing gratefulness reduces our need for comparison to others and helps improve us mentally and emotionally. It reduces envy and dissatisfaction with our lives. Focusing on the positive aspects of your life can counteract negative thoughts, emotions, and reactions. It can contribute to lower stress levels and can improve the quality of sleep. Being grateful contributes to less tossing and turning at times because of depression or focusing on disappointments.

5. Embracing Adversity with Faith: The story of Job from the Bible serves as a powerful example of how gratitude can endure even in the face of immense adversity. Despite losing everything, Job remained steadfast in his faith and grateful for what he still had. This resilience during challenges can inspire us to find strength and gratitude even in difficult situations.

Cultivating a spirit of gratitude takes practice. It’s changing our mindset to view our lives differently. It’s a conscious choice to focus on the blessings we have rather than what we lack. This reminds me of when Jesus focused on what he had to perform a miracle to feed the multitudes in Matthew 14 despite the disciples’ negativity of “We have here only five loaves of bread and two fish” (Matt 14:17 NIV). How often do we miss out on being happy and become depressed or downtrodden because we look at the lack, instead of being overjoyed and grateful for what we do have? Although happiness is multifaceted, gratitude is one key to finding happiness. Embrace gratitude as a path to happiness. Y? Why Not! Subscribe to our YouTube page at bit. ly/ywhynotshow

James D. Pickle, age 55, of Dyer, IN, suddenly, passed away Sunday, June 1, 2025. Devoted father of James Pickle and Danielle Pickle. Loving son of Diane and the late James Pickle. Dear brother of Amy (Anthony Mokrzycki) Jordan and the late Kory (Bruce) Pieszchala. Kind uncle of several nieces and nephews. Jim was loved by his family and many friends, and will be dearly missed.

Visitation Thursday, June 5, 2025 from 3:00 – 8:00 p.m. Prayer service Friday, June 6, 2025 at 10:15 a.m. from Smits Funeral Home, 2121 Pleasant Springs Lane(Rt.30 & Pleasant Springs Lane), Dyer, IN, to St. Joseph Catholic Church 440 Joliet St. Dyer, IN for a 11:00 a.m. Mass of Christian Burial, with Rev. Leo Gajardo officiating. For further information, please contact 219-3227300 or visit our online obituary and guest book at www.SMITSFH.com

John R. Szamatowicz, age 74, of Dyer, IN, passed away on Friday, June 6, 2025. Beloved husband of Wendy Sue Szamatowicz, nee Jacobson. Loving father of Beth Szamatowicz and Scott (Patricia Theokas) Szamatowicz. Proud grandfather of Sloane. Dear brother of Martin (Michele) Szamatowicz, Annette (Steve) Sepiol, and Karen Ruiz. Kind uncle of several nieces and nephews and great-nieces and great-nephews. Preceded in death by his parents John and Norma Szamatowicz. John was loved by all who knew him and will be deeply missed. Memorial visitation with family and friends to take place on Saturday, June 14, 2025 from 1:00— 5:00 p.m. with a memorial service at 4:00 p.m. at Smits Funeral Home 2121 Pleasant Springs Lane (Rt.30/Pleasant Springs Ln.) Dyer, IN.

Memorial contributions may be given to Crisis Center, Inc. in Gary (www. crisiscenterysb.org).

For further information, please contact 219-3227300 or visit our online obituary and guest book at www.SMITSFH.com

Dorothy K. Cochran, nee Mullins, age 92, of Schererville, IN, passed away Friday, June 6, 2025. Beloved wife of the late Otis V. Cochran Jr. Loving mother of the late Otis (Dianne) Cochran, William (Dana) Cochran, Kathy Marie (William) Wachter, and the late Michael Cochran. Proud grandma of 4, and one late granddaughter; and great-grandma of 3. Dear sister of Ruby Eggebrecht, late James Mullins, and the late Opal Cogdill. Preceded in death by her parents William and Edna Mullins. Dorothy retired as head nurse of the psychiatric ward after 40 years of service at St. Margaret Hospital in Dyer. She was loved by all who knew her and will be deeply missed.

Visitation Thursday, June 12, 2025 from 10:00 a.m. until time of prayer service 12:00 p.m. at Smits Funeral Home 2121 Pleasant Springs Lane (Rt.30/Pleasant Springs Ln.) Dyer, IN. Procession to Mass of Christian Burial at 12:30 p.m. at St. Michael the Archangel Church, One E. Wilhelm St. Schererville, IN, with Rev. Marty Dobrzynski officiating. Interment Calumet Park Cemetery –Merrillville, IN. Memorial donations to St. Michael the Archangel Good Samaritans, greatly appreciated. For further information, please contact 219-3227300 or visit our online obituary and guest book at www.SMITSFH.com

Barbara J. Rhatigan, nee Marino, age 75, of Crete, IL, passed away peacefully on Wednesday, June 4, 2025. Beloved wife of James B. Rhatigan. Loving mother of Anthony (Lauren) Rhatigan and Brian (Ann) Rhatigan. Cherished grandmother of Alexander, Fitzgerald, and Jude. Dear sister of the late Paulette (late Michael) Gray. Fond niece of Noel Laube (late David). Adored by many sister-in-laws, brotherin-laws, nieces, nephews, cousins, and friends from around the country. Preceded in death by her parents Anthony and Genevieve Marino.

Barb grew up in Bridgeview, IL and was a self-proclaimed tomboy who idolized her older sister Paulette. She made friends for life during her childhood and teenage years. At the age of 21, she met the love of her life, Jimmy, while working at a local diner. Less than a year later, they were married, and remained so for nearly 53 years until her death. They had two boys together, but if you ask Jimmy, she raised three boys, not two.

Barb spent her early adult years in various professions including waitressing, insurance, real estate, and mortgages. She entered nursing school at the age of 42 after taking care of her ailing mother. She graduated from Prairie State College in 1995 as a Registered Nurse. She spent over 20 years caring for others and found her true calling supporting new mothers postpartum. Her infectious smile, constant positivity, and knack for making everyone feel like family, made her unforgettable to her patients.

Barb absolutely adored her family and friends and cherished every moment spent together. She treated everyone with kindness, curiosity, and respect. She was a loyal advocate for animals and never turned away a stray. She enjoyed nature, baking, crafting, karate, reading, all things science fiction, and was very active in the church. She truly loved life and walked with God in her heart.

A Celebration of Life will be held at a later date to be determined. Arrangements entrusted to Smits Funeral Home in Dyer, IN. Please visit our online guestbook at www. SMITSFH.com.

Barb was very grateful for the support of the Leukemia & Lymphoma Society during her cancer journey, and helping people was most important to her, even in her final days. Please make a donation in her memory to the LLS at www.lls.org.

David Earl Keltner, age 71, of Dyer, Indiana, passed away peacefully on June 08, 2025, surrounded by the love and comfort of his family.

Born on January 19, 1954, in Springfield, Missouri, Dave carried the spirit of the “Show Me State” throughout his life—with a straightforward, honest nature and a deep appreciation for hard work, perseverance, and family. He graduated from Bradley-Bourbonnais High School, class of 1971, and even during life’s most difficult moments, his strength shone through.

One of those defining moments came during high school was when he suffered a life-altering and life-threatening injury. While recovering, he met a bright and beautiful woman named Norma Blomer, who would become the love of his life. Their love story began in those quiet phone calls while in the hospital and blossomed into a lifelong partnership. Dave and Norma were married on December 22, 1973, while Dave was studying at Illinois State University. He graduated in 1977 with a degree in Business, becoming the first in his family to earn a fouryear college degree—an achievement that paved the way and set a high bar for his children and grandchildren.

Dave and Norma built their life together in Bradley, Illinois, later moving to Park Forest, and eventually settling in Dyer, Indiana. Throughout his career as an Information Technology Manager and Director, Dave was admired for his

unwavering dedication and work ethic. Always the first to arrive and the last to leave, he led with integrity, loyalty, and kindness—earning the respect of everyone who worked with him.

Outside of work, Dave found great joy in music and cars. He was a huge fan of Elvis Presley, Jim Reeves, Neil Diamond, and classic country music. He loved to sing—whether he was alone or surrounded by family, there was always a song on his lips. His deep appreciation for music was a constant in his life and brought joy to those around him. His love and intrigue for cars was his favorite hobby. His knowledge of Mustangs and any Fordmanufactured car line was impressive. Over the years, he owned several anniversary edition Mustangs, always keeping them spotless and well-tuned.

Above all, Dave was a family man. He was immensely proud of his children and adored his grandchildren. He is survived by his beloved wife, Norma; his son David Jr. (Christine); his daughter Jennifer (Everardo) Estrada; and his cherished grandchildren: Natalie, Brooke, Tristan, and Kensley. He is also survived by his sister Jeannie Muse, along with many nieces and nephews whom he held close to his heart. Dave was preceded in death by his parents, George and Betty Keltner; his brother Richard Michael Keltner; and his sister Sharon Hotz. Visitation for family and friends will be held Saturday, June 14, 2025, from 9:00 a.m. until the time of the funeral service at 11:00 a.m. at Smits Funeral Home, 2121 Pleasant Springs Lane, Dyer, Indiana. Interment will be private.

Medical Firm Didn’t Know How to Bill

On June 5, 2025, I wrote a letter to a medical firm that wrongly billed one of our clients who lives in Crown Point, Indiana.

With some editing to protect privacy, here is the letter that I sent to the medical firm.

Our client sent to our firm two bills from your firm for our review. One bill was dated 4/15/25 and one was dated 5/20/25.

I read the bills and concluded that someone in your billing department made some mistakes. Maybe someone was tired at the time or someone needs to be retrained. Let me tell you about the discrepancies that I found.

On the 4/15/25 bill there were two dates of service of 2/16/25 and 3/26/25. On the 5/20/25 bill there was only one date of service of 3/26/25.

The tip-off to me that you were doing something wrong was that the bill for 3/26/25 was different on the 4/15/25 bill from the same services listed on the 5/20/25 bill.

It seems to me that on each entry, you forgot to subtract the Medicare adjustment on each claim. The Medicare adjustment is the discount for your services that Medicare requires you to give the patient in order to work with Medicare. The Medicare adjustment is listed on the Explanation of Benefits that your firm gets from Medicare. The client would get the same information on the Medicare Summary Notice that she gets once every three months.

Please, correct your errors and show a balance of zero for our client. It would avoid a lot of work for me to prove that I am correct on this and consider helping the client file a complaint against your firm for failing to follow Medicare rules. By the way, your firm is probably making the same error with your other clients. So, those bills should be fixed to avoid running afoul of Medicare rules, too.

All the help that I am giving this client is FREE OF CHARGE. This insurance agency helps all our clients with Medicare related medical bill problems without charge. It is our way of demonstrating to our clients that we really do care about them. If your insurance agent or agency does not give this high level of customer service, why don’t you switch to a firm that does? Our agency does.

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 over three million dollars by fighting mistakes and fraud in the Medicare system. Also, Wilcox wrote the book SOLVING MEDICARE PROBLEM$ which is available through book stores or online.

Speaking Of Seniors

WOODROW WILCOX

LIBRARY HAPPENINGS

Calumet City Public Librar y

Address: 660 S Manistee Ave, Calumet City, IL 60409

Phone: (708) 862-6220

Email: info@calumetcitypl.org

Website: http://www calumetcitypl.org/index.html

Dolton Public Libr ar y

Address: 14037 Lincoln Ave, Dolton, IL

Phone: 708-849-2385

Email: lincoln@doltonpubliclibrary.org

Website: www.doltonpubliclibrary.org

ONGOING PROGRAMS

EVERY MONDAY: STAY FIT with SHEENA STINSON: In-house workout program from 9:30-10:30 am. Register by calling 708-849-2385.

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HOMEWORK HELP: Call 708-849-2385 ext. 4 to make an appointment with Ms. Brooks on Fridays or Saturdays. Ages 5-12.

EVERY MONDAY: LINE DANCING WITH DAWN THE DANCING DEVA: From 1-2 pm. Call 708-849-2385 ext 3 to register.

EVERY WEDNESDAY: LINE DANCING WITH DAWN THE DANCING DEVA: BECAUSE IT WAS SO GOOD THEY ASKED FOR TWO! From 3-4 pm. Call to register at 708-849-2385 ext 4

Hammond Public Librar y

Address: 564 State St., Hammond

Phone: (219) 931-5100, ext. 310 or 307

Email: swishl@hammond.lib.in.us

Website: www.hammond.lib.in.us

Har vey Public Libr ar y

Address: 15441 Turlington, Harvey, IL 60426

Phone: 708-331-0757x3200

Email: has@harvey.lib.il.us

Website:www.harvey.lib.il.us

FREE online Line Dancing with Dawn the Diva, Tuesdays at 6:30pm

Join Us For Vir tual Programs : Each day at 4:00 pm, “stop” in for online family-fun at the Harvey Library Tuesday: Craft Wednesday: Story Time Thursday: Bacon Bits & Cooking Tips Monthly Virtual Music Class (Friday, check calendar each month)

For information, contact Plaintiffs attorney: McCalla Raymer Leibert Pierce, LLC (312) 3469088 please refer to file number 24-17880IL. Auction.com, LLC 100 N LaSalle St., Suite 1400 Chicago, IL 60602 - 872-225-4985 You can also visit www.auction.com.

Attorney File No. 24-17880IL Case Number: 24 CH 05004

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. I3264681

IN THE CIRCUIT COURT OF COOK COUNTY, ILLINOIS COUNTY DEPARTMENT - CHANCERY DIVISION PENNYMAC LOAN SERVICES, LLC Plaintiff, -v.SAKITA L GILLIAM, ILLINOIS HOUSING DEVELOPMENT AUTHORITY, SECRETARY OF HOUSING AND URBAN DEVELOPMENT

Defendants 24 CH 03979 17028 EVANS DRIVE SOUTH HOLLAND, IL 60473

NOTICE OF SALE

PUBLIC NOTICE IS HEREBY GIVEN that pursuant to a Judgment of Foreclosure and Sale entered in the above cause on April 9, 2025, an agent for The Judicial Sales Corporation, will at 10:30 AM on July 10, 2025, at The Judicial Sales Corporation, One South Wacker, 1st Floor Suite 35R, Chicago, IL, 60606, sell at public in-person sale to the highest bidder, as set forth below, the following described real estate: Commonly known as 17028 EVANS DRIVE, SOUTH HOLLAND, IL 60473 Property Index No. 29-27-204-004-0000 The real estate is improved with a single family 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, in certified funds/or wire transfer, is due within twenty-four (24) hours. 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.

Lansing Self Storage located at 17506 Chicago Ave, Lansing, IL 60438, (708) 251-8350

intends to hold an auction of the goods stored in the following unit in default for nonpayment of rent: Janee McLaughlin, Unit #98; Phillip Lillard, Unit #9; Bianca Mason Unit #152. Auction will be conducted online on www.storageauctions.com

Homewood Public Librar y

Address: 17917 Dixie Hwy, Homewood, IL 60430

Phone: (708) 798-0121

Email: hplhelp@homewoodlibrary.org

Website: www.homewoodlibrary.org/

PARK STORYTIME

Tuesdays, starting June 3 10:30 AM | Ages 0-8

Registration Required

SUMMER READING

June 7 - July 31 | All Ages

Summer Reading starts June 7!

Lansing Public Libr ar y

Address: 2750 Indiana Ave., Lansing IL

Phone: 708-474-2447

Email: shari@lansingpl.org

Website: www.lansingpl.org

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.

MCCALLA RAYMER LEIBERT PIERCE, LLC Plaintiff’s Attorneys, One North Dearborn Street, Suite 1200, Chicago, IL, 60602. Tel No. (312) 346-9088.

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.

MCCALLA RAYMER LEIBERT PIERCE, LLC

One North Dearborn Street, Suite 1200 Chicago IL, 60602

312-346-9088

E-Mail: pleadings@mccalla.com

Attorney File No. 24-18223IL_1060313

Attorney Code. 61256

Case Number: 24 CH 03979

TJSC#: 45-1026

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 # 24 CH 03979 I3267354

IN THE CIRCUIT COURT OF COOK COUNTY, ILLINOIS COUNTY DEPARTMENT - CHANCERY DIVISION

M&T BANK

Plaintiff, -v.-

ROSETTA CUTRIGHT, ILLINOIS HOUSING

DEVELOPMENT AUTHORITY, UNITED STATES OF AMERICA Defendants

2020 CH 01430

304 CORNELL AVE CALUMET CITY, IL 60409

NOTICE OF SALE

PUBLIC NOTICE IS HEREBY GIVEN that pursuant to a Judgment of Foreclosure and Sale entered in the above cause on June 10, 2024, an agent for The Judicial Sales Corporation, will at 10:30 AM on July 9, 2025, at The Judicial Sales Corporation, One

No. 29-12-108-121-0000

The real estate is improved with a single family residence.

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.

Where a sale of real estate is made to satisfy a lien prior to that of the United States, the United States shall have one year from the date of sale within which to redeem, except that with respect to a lien arising under the internal revenue laws the period shall be 120 days or the period allowable for redemption under State law, whichever is longer, and in any case in which, under the provisions of section 505 of the Housing Act of 1950, as amended (12 U.S.C. 1701k), and subsection (d) of section 3720 of title 38 of the United States Code, the right to redeem does not arise, there shall be no right of redemption.

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).

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

Riverdale Public Librar y

Address: 208 W 144th St

Riverdale, IL 60827

Phone: (708) 841-3311

Email: library@rpld.org

Website: www.rpld.org

Riverdale Public Library District Food Pantry

Our food pantry is open to everyone and is located in the entryway of library. Donations are also welcome and can be dropped off at the Circulation Desk. Please ensure that food items are non-perishable, non-glass containers and not expired.

Weekly Walking Group

9 – 10 am Ages: Adults/Seniors This walking program is for everyone interested in achieving a healthier lifestyle. What better way to start your path to better physical and emotional health, than on your feet making strides to help your heart and improve your general health.

South Holland Public Librar y

Address: 16250 Wausau Ave., South Holland IL

Phone: 708-527-3160 or 708-580-6161

Email: library@southhollandlibrary.org

Website: shlibrary.org/events-calendar

Thor nton Public Librar y

Address: 115 E. Margaret St. Thornton, IL.

Email: library@thorntonil us

Website: https://www thorntonlibrary org/

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. 14-20-01003

Attorney ARDC No. 00468002

Attorney Code. 21762

Case Number: 2020 CH 01430

TJSC#: 45-1402

Case # 2020 CH 01430 I3267797

IN THE CIRCUIT COURT OF COOK COUNTY, ILLINOIS COUNTY DEPARTMENT - CHANCERY DIVISION

U.S. BANK TRUST COMPANY, NATIONAL ASSOCIATION, AS TRUSTEE, AS SUCCESSOR-IN-INTEREST TO U.S. BANK NATIONAL ASSOCIATION, IN ITS CAPACITY AS TRUSTEE FOR THE HOLDERS OF MORGAN STANLEY DEAN WITTER CAPITAL I INC. TRUST 2002-HE1 MORTGAGE PASS-THROUGH CERTIFICATES, SERIES 2002-HE1

Plaintiff, -v.CITY OF MARKHAM, MIDLAND FUNDING, LLC, WILLIAM KNIGHT, JR., UNITED STATES OF AMERICA, GARLAND KNIGHT, UNKNOWN OWNERS AND NON-RECORD CLAIMANTS

Defendants

2021 CH 03688

3356 HEATHER DR. MARKHAM, IL 60428

NOTICE OF SALE

PUBLIC NOTICE IS HEREBY GIVEN that pursuant to

Services

AC/HEATING SERVICES: Summer Special! Furnaces or A/C’s , Clean & check $59.95. Furnaces, A/C’s, Boilers, water heaters, sump pumps, humidifiers, installations, repairs, furnaces installed from $1495.00 R/D Heating & Cooling. IL. and IN.

WANTED - Thick rubber roll roof for (4) car garage. 219-801-0955 IN DESPARATE NEED SMALL CAR FOR 80 YEAR OLDECONOMICAL CAR CAN BE DAMAGED IF RUNNING FOR LOW INCOME SR. CITIZ. Does not have to pass emission test if the price is right - Call 219-801-0955

Pick up/ Delivery Service.Small moves; in-house move; store-tohome. Assembly: Furniture & exercise equipment (Ikea, Office Depot, etc.) Call Rob daily until 9pm 708898-8668

REMODELED FIRST

BEDROOMS, QUIET BUILDING, NO PETS. No smoking. Heat and Water included. Seniors welcome. Call 708-895-

BEAUTIFUL SOUTH HOLLAND ROOM FOR RENT IN A SINGLE FAMILY

APARTMENT FOR RENT- Available Now

- $900 a month. - 2 beds, 1 bath, live-in kitchen. Private parking. No pets. One month security and rent required. 17701 Commercial Ave in Lansing. Apartment 2W on second floor. Seniors welcome. Call Winston - 708-251-8266

Garage Sales

MULTI FAMILY GARAGE/YARD SALE!

One blue and one red Quantum power wheel chairs. Both brand new. $1,000 each. One Red Pride Wheel Chair, $350, and one Red Pride Scooter that needs batteries, $700. Both are used. Located in Glenwood, delivery included or you can pick up. 708-715-2348.

Fisher-Price Power Wheels Barbie Jeep. In original box. Excellent condition. Needs battery and charger. $50 Call or text 708-673-9361

JUNK REMOVAL Time to make space! Cleanouts (garage attic, basement, shed). Hauling away appliances, furniture,

HOME. King size bed, semi private bathroom with Jacuzzi tub. No cooking, full size refrigerator and microwave in room. Free lights, free gas. Only $225 a week, $500 move in fee. Background check required. Call 708-843-3932 for more information.

Like new items! So much to choose from ! Great prices! June 26th, 27th, 28th. 8119 w. 85th Court, Crown Point IN 46307

Serta, queen, mattress/ box spring very good...$139.00...White Sox galvanized steel beverage icing tub, $25.00.. 708-645-4245

Vera Bradley Purses

$3-$8 each, New Butterball Turkey Fryer

Ridgefield Subdivision multiple home garage sale. 26221 South Cambridge Drive in Crete June 12,13,14 from 8am TO 3 pm. Too many items to list, something for everyone.

SPACIOUS AND QUIET 2-BEDROOM,

Indiana/Lansing area. Elderly care experience. 40+ Non-drinking/ smoking male w/ maintnenance skills. Prefer kitchenette & garage space. 708-8988668

In search of a Vintage Cobra Cb Radio Company Wall Clock. it would be square framed in black with white background and the iconic blue snake and lettering. Cobra used to give these to local Cb shops selling their products back in the day. Call Dan 312-720-0844

WANTED DEGAN or MUSSER VIBRAPHONE Call 219-801-0955

WANTED - Tall Ladders, & Electric Chainsaws . 219-801-0955

maintained unit features

bath. The building offers underground garage with storage, and a peaceful living environment. Rent is $1,600 per month with a $1,600 move-in fee. Don’t miss out on this great opportunity! For more information or to schedule a viewing, contact Wyomia Ellison at 708-250-2228 or Samuel Ellison at 708-915-9466.

NEWLY RENOVATED

2 BEDROOM, 1 BATHROOM IN CALUMET CITY.

$1,350/MONTH, one month security deposit, background check required. Owner pays gas, tenant pays electric. Laundry onsite, parking offsite. Quiet building. Call 708-288-5358 for more information

SALE JUNE 20-21

8AM-9PM - 16821

CLYDE AVE, SOUTH HOLLAND, IL 60473

Tools, Large and Small Garden Equiptment, Clothes, Household Decor, Come see what we have!

For Sale

TWO BURIAL PLOTS IN CEDAR PARK CEMETERY, Calumet Park. Call 708-567-4475 for details.

2 white aluminum awnings. 26 inches from wall x 44 inches wide. Excellent condition. $35 each. Call or text. 708-673-9361

Little Tykes basketball rim and stand. 6 feet tall. Unassembled for easy transport. Excellent condition. $18 Call or text 708-673-9361

3-Step Skinny Mini Step Ladder w/multi purpose tray Used Once$25.00 Heavy Duty Dolly Can move Furn. $20.00 708-474-9568

Nostalgia Electric kettle popcorn maker, Hollywood model, Like new $30.00. Baby changing table, walnut frame, excellent condition, $30.00. 708-645-4245

$35, 3 Bucket Fountain $30, Cuisinart Bread Maker $35 New, Beach Towels $2 each, Scotts Spreader $10, Tools, Conduit. 708-877-6088

Hose reel carts. Various sizes made by Suncast. Very good condition. As low as $9 each. Call or text 708-673-9361

Manual push lawn mower. Excellent condition. $35 Call or text 708-673-9361

Office Chair New--In Box--Modway EEI-757

$95. Mathching Buffet Lamps --New $30. 2 movie projectors, a movie screen and tripod. Beleek China Plate--New in Box $20 708-4485672

Fisher-Price Power Wheels Barbie Jeep. In original box. Excellent condition. Needs battery and charger. $50 Call or text 708-673-9361

Black and Decker electric lawn mower. Great condition. $110 Call or text 708-6739361

For sale, TKO five piece drum set, A1 condition, high hat, cymbals, etc. All hardware included. $300 must sell. Call 708-598-5136