Morris Daily Herald Special Section — Thursday, February 21, 2013 Dollars & sense

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tough times Local schools like Saratoga Elementary in Morris have had to deal with less revenue due to declines in equalized STory by: assessed valuation of property within their districts. Kris stadalsKy, Herald Correspondent

PhoTograPh: By lisa pesavento, From Herald Files

Times are difficult for every- oneduring arecession, and schools and municipalities are no differ- ent. “The village Declining has expe- rienced a EAVs decline in EAV DollArs the last & sEnsE several years,” said Minooka Village Administrator Dan Duffy. “We hope we are get- ting to the point where it will level a lot of interest and keep our bud- improvements and a logistics facil- sharing opportunities, such as time we turn around,” he said. off.” get balanced,” Duffy said. ity on it, could be worth $30 mil- working with Morris Grade School If push came to shove, the dis- The declining EAV (equalized Other cost cutting measures lion and bring in $750,000 ayear in District 54 on student transporta- trict could cut $4 million from the assessed valuation) means less might be holding off ayear to tax revenue. tion. budget but it would mean huge revenue coming in from property replace apatrol car. Minooka also Commercial businesses are also One of the biggest changes and class sizes, shorter days and elimi- owners to taxing bodies, such as seeks ways to lower costs through an important mix, Duffy said. a cost cutting measure MCHS nation of programs like fine arts municipalities and schools. To participating in energy saving “Commercial always follows roof- undertook was changing from a and activities, Gegenheimer said. continue offering the same servic- programs,sharing studies and tops, bringing more opportunities block schedule to atraditional “That’s not the kind of schools es, taxing bodies have to come up projects with neighboring munici- for our residents,” he said. seven-period day. The district was people move to Minooka for,” he with creative ways of paying for palities and applying for grants to School districts have to find cre- able to eliminate three full-time said. “The community expects them without lowering standards. pay for parks and infrastructure ative ways to balance their bud- equivalent positions, but no teach- us to provide high-quality educa- Running a village or city is not needs. gets without reducing educational ers were actually let go, Halloran tion.” unlike running ahousehold, Duffy One way to combat declining opportunities to students. said. By beingthrifty in the past, the said.You have to look at what revenue is by actively pursuing Some of the strategies used in If the district had used astrictly district has been able to accumu- youcan cut from your expenses to industrial and commercial busi- the last several years at Morris financial strategy, as opposed to a late large cash balances. offset less revenue and see what nesses. The village of Minooka has Community High School are a com- scheduling change, it would have “We are actively using our cash things you can do without. brought in a Trader Joe’s ware- bination of cost containment and reduced staff by seven to nine full balances to fund the deficit, at Some Minooka streets are com- house facility, which is expected to reductions, said Superintendent time employees. least until housing values stabi- ing up to 10 years old and getting open this spring. Patrick Halloran. “The team has been trying to lize,” Gegenheimer said. to the point of needing repairs and The facility will not only bring Since the largest portion of a do this with the least amount of District teachers took ahard replacements, Duffy said. If there’s 400 jobs to the area, it will also school’s budget is salaries and impact on students and the class- freeze in pay in the first year no money in the budget to do so, spur residential growth, bring in benefits, MCHS has saved money room,” Halloran said. of the most recent contract and the village needs to find an alter- industrial tax revenue and help by not replacing faculty members Property tax revenue in the only received a minor percentage native revenue source. level off the EAV decline, Duffy who have retired. Minooka Grade School District increase for the second and third One way to save money is to refi- said. “We try to use attrition when declined by $4 million in the last year. nance existing municipal bonds; Duffy uses the example that we can,” Halloran said. “We (also) two years, said Superintendent Al “We are trying to run (the taking advantage of substantially 100 acres of farmland brings in reduced in supplies and areas Gegenheimer. district) like it’s abusiness and lower interest rates. about $800 annually in property where you can make reductions.” “We are trying to tighten our contain costs as best as we can,” “(Refinancing) allows us to save tax revenue. That same land, with The district seeks out service belts and we find efficiencies every Gegenheimer said.

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alk to Roth Jorstad today; T they have been serving GrundyCounty since 1934. Dollars & sense 3C Morris Daily Herald Special Section — Thursday, February 21, 2013 Putting Grundy back on the map County sees recovery for large business

Sales Associate Nikki Russell, right, helps shopper Ella Thompson, of Morris, STory by: at Brianna Lynn’s Boutique on Liberty Jessica cohea, Street during the Under the Harvest Moon herald correspondent shopping event in Morris. PhoTograPhS: By lisa pesavento, Not all ‘doom FroM herald Files The large business econ- omy in Grundy County isn’t exactly back to what it used to be,but things do seem to be heading in the right and gloom’ direction. Grainger opened its Midwest “I think the message is cautious optimism,” said distribution center in Minooka Nancy Norton Ammer, in 2012. Forecast more optimistic going Chief Executive Officer of the Grundy Economic in regards to the large busi- distribution center just yet, Development Council. ness economy in the county. but the project began in late forward for local small businesses “We’re pulling out of (the “We’re seeing some decent 2012. down. Their operation budget is down, so of economic downturn) slow- revival in the manufactur- Trader Joe’s new facility STory by: course you’re bringing more to the bottom ly.” ing sector and we are seeing will be just under 1 million Jessica cohea, line. It’s a double-edged sword.” Grundy County ended the certainly that logistics and square feet with cold and herald correspondent Success seems to be very “sector spe- last quarter of 2012 on a pos- distribution is holding its dry storage, said Dan Duffy, cific,” however, Portlock said. itive note, she added, and own.” Minooka village administra- “Some sectors are notching up, but they is heading into 2013 strong, Just past the Route 6 corri- tor. PhoTograPh: aren’t notching up as quickly as they would too. dor,inMinooka, Once completed, an esti- By lisa pesavento, have liked or as they had in years past,” Onecontribut- large business- mated 300 to 400 people will FroM herald Files she said. ing factor to the es seem to be be employed in the distribu- AsforMorrisspecifically,JulieApplegate, positive outlook large flourishing as tion center. executive director for the Morris Downtown for the county Business well. “The good thing about Development Partnership, said there are is the opening Two major Grainger and Trader Joe’s not as many building vacancies as there of the Brisbin DollarS companies is that they both put us back were before. More businesses are moving Road inter- were spot- on the map as far as logis- mall business in Grundy County & SenSe S into Morris than moving out. change. lights in 2012 tics,” Duffy said. “Going into might not be running as well as it was five Some businesses which “That inter- in Minooka. 2013, we have quite a bit of to seven years ago, but accord- either relocated to or opened change is going The first to activity because of those ing to acouple of local business new in downtown Morris in to open up a whole industrial come to town was Grainger, projects.” professionals, this past year Small 2012 include The Feathered corridor for Grundy County a worldwide company with Several other companies wasn’t too bad. Nest, Logo Works, Serenity, with highway access,” its Midwest distribution cen- that may be making their “When we talk to some of Business The Green Peanut and Norton Ammer said. ter now located in Minooka. way into the village, too, the people who have been Blackbird’s Bowl. There are many business- The second significant includeAirgas and Metal in business for awhile, they DollarS In the works now, too, is Left es already using the new addition in 2012 was the Stamp, Inc. Minooka is in are seeing alight at the end & SenSe Field Pizza which will open interchange, however. approval of Trader Joe’s, the top five choices for the of the tunnel,” said Caroline next to and connected with the “Our industrial corridor, aCalifornia-based grocery new Airgas location, Duffy Portlock, executive director of Sandlot, Applegate said. the Route 6 corridor, is doing chain. Trader Joe’s has not said. the Grundy County Chamber of “It’s not as doom and gloom as it was in well,” Norton Ammer said completed building its new Commerce, in regards to small businesses See ‘Large business’ • Page 8C ’09 and ’10,” Portlock said. in the county. Eighty-seven percent of the businesses Portlock credits the positive attitudes that belong to the Grundy County Chamber toward small business to “efficiencies” of Commerce are small businesses. The business-owners have created in the work- Chamber is there to help businesses suc- place. Those efficiencies may be stream- ceed, Portlock said. lined operations or fewer new hires, for “Just as the United Way asks you to give example. where you live, we ask that you shop where “They are seeing some business growth, you live,” she said. “The same businesses but it is as a result of some of these effi- that are supporting your children’s little ciencies they are creating,” Portlock said. league teams are the same businesses that “They aren’t spending as much on their need you to come in and shop, or eat, or business as they did in the past, or they stay at their place, or take advantage of the didn’t hire that person so their payroll is services they can provide.” PAINT PAPER AND FRAMES Open Daily Mike’sPaint, Paper &Frames carries awide7:30-5:30variety DR. GEORGE ROEBUCK, O.D. of home fix-up items! 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•EYE EXAMS •DRY IRRITATED EYES •EYE INFECTIONS •GLAUCOMA TREATMENT •COMPUTER EYE STRAIN •CONTACT LENSES •DEMERGENCYIABETIC EYE EYE EXAMSCARE Dr.Roebuck Proud to Genuine Quality Care.• Serve Youfor We provide the very best family Over 30 Mike Hutchings, Years! Mary Motter,and Ozzie care in anon-rushed office environment,fully equipped and staffed by caring professionals. 525 Liberty •Morris •942-3133 (parking available south of the building for your convenience) MedicareConvenient•Medicaid Hours!•All Kids Medicare Accepted 113E.Jefferson Morris www.primaryecp.com/drgeorgeroebuck942-1951 4C Dollrs & sense Morris Daily Herald Special Section — Thursday, February 21, 2013 2013 tax season Jake Ruettiger, a Morris Community High School recent graduate, is presented with a check for $1,000 from the Community Foundation of Grundy County for the Pete Muffler Scholarship to use toward his college education in Fire Science. is under way

enacted on Jan. 2. The vast IRS announces majority of taxpayers can file now, but the IRS is continu- new, enhanced ing to update its systems for some tax filers. The IRS will products, services begin accepting tax returns from people claiming educa- tion credits in mid-February while taxpayers claiming Tax depreciation deductions, season energy credits and many business credits will be able Changes to file in late February or early March. A full list of the Dollars affected forms is available & sense on IRS.gov. This year, taxpayers have until Monday, April 15, to 2013 file their 2012 tax returns and pay any tax due. The WASHINGTON —The IRS expects to receive more Internal Revenue Service than 147 million individual recently opened the 2013 fil- tax returns this year, with ing season by announcing about 75 percent projected to a variety of enhanced prod- receive a refund. ucts and services to help tax- Last year for the first time, payers prepare and file their 80 percent of all individual tax returns by the April 15 returns were filed electroni- deadline. cally. E-file, when combined New and expanded servic- with direct deposit, is the es for taxpayers this year fastest way to get a refund. include a redesigned IRS.gov Last year, about three out web site that’s easier to navi- of four refund filers selected gate and improved service direct deposit. options, including more vid- eo-conferencing assistance sites and additional social Assistance options, virtual media tools. service availability In addition, the IRS has CharityWay’s rather thanCa spending timere apply- theta Morris Communityke Foundation,rs The best way for taxpay- stepped up its enforcement ing to many donors/funders to get the but after years of county-wide ser- ers to get answers to their efforts to protect taxpayers same result. vices and programs, the organization questions is by visiting IRS. Organizations help from refund fraud and iden- The Community updated its name in gov. Last year, the website tity theft. Foundation offers donor- 2008. We have a Board received a record 340 million The IRS began accepting designed funds, prefer- of Trustees of 12 local visits, a 17 percent increase keepphilanthropy Local and processing most indi- ably endowed, that are volunteers from all over 2011. Philanthropy vidual tax returns today invested over the long areas of the county. We This year, the redesigned after updating forms and term so that the principle have one full-time CEO, website makes it easier than alive and well in DoLLars completing programming remains intact and local a part-time Program ever for taxpayers to get to and testing of its process- not-for-profits receive & sense Director and a part-time key forms and vital informa- ing systems to reflect the Grundy County the income and growth Accounting Manager. tion. from the fund. We meet the National American Taxpayer Relief See ‘Tax Season’ • Page 7C STory by: And how are we dif- Standards designed Act (ATRA) that Congress ferent? The United Way focuses on by the Council on Foundations, Karen nall & Julie BucK much-needed health and human ser- which means that we utilize Best Special to the herald vices. The Community Foundation Management Practices for account- does that, too, but can also address ing, fund management, grantmaking Keeping COMMUNITY PhoTograPh: issues such as the fine arts, historic and communications. Our gover- in banking By liSa peSavento, preservation and conservation. The nance is transparent and we are United Way gives annual support; the constantly improving our capacity From herald FileS Community Foundation gives grants through training and education. that are generally one-time-only and The Community Foundation often for capital expenses and/or seed improves the quality of life in Grundy money for new projects. County through leadership and phi- The United Way of Grundy County lanthropy. We have five main focus Grundy County is a very charita- has a long, rich history. Founded in areas: early childhood care and edu- ble community and two county-wide 1946, it was originally known as the cation; workforce development; land organizations are here to help donors “Community Chest,” then became the use and protection; people in need; who want to be strategic in their giv- “United Fund ” and, in 2002, became and growth and its impact on our ing. Both organizations are also help- the United Way of Grundy County. A county’s systems. To make an impact ful for the local not-for-profits who member of the United Way of Illinois in these issues, we convene and co- use donor dollars to support their and the United Way Worldwide, the convene a number of networks of programs and services. United Way is active in public policy, professionals working in those topic Both organizations get asked, advocating for a stronger community. areas. We make it easier for “What’s the difference between you Its Board of Directors consists of 17 Through collaboration, the net- two?” The answer can be thought of volunteer community leaders who works have identified community youtogrowyourbusiness. in a fairly simple way: United Way is represent a variety of talents and assets, needs, and gaps in services. the community checkbook, and the knowledge. In addition, its Advisory Again through collaboration, the Community Foundation is the com- Committee reviews industry trends. organizations in the networks can munity long-term savings account. The Board and Advisory Committee combine forces, staff, money and The United Way raises funds dur- work together to create strategies other resources to tackle an issue Locallenders,local decisions. ing the year to grant to partner agen- that make a lasting impact in the to address a need. The Foundation cies. By collecting donations from community. The United Way staff convenes the Grundy County Area Minooka many people, there is a level of effi- consists of a full-time Executive Planners and co-convenes the 500 Bob Blair Rd. ciency: a) donors can give to one orga- Director and a part-time Associate Business Education Council with 815-467-4474 nization knowing that it is helping Director. the Grundy County Chamber of many organizations, and b) agencies The Community Foundation of Commerce. Also serving can apply once a year to the United Grundy County was started in 1999 as See ‘Philanthropy’ • Page 8C Auroraand Plainfield

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State-wide, December Managing Brokerand owner Shawn Hornsby,of Century 21 Coleman-Hornsby in Morris, stands outside a home he recently sold in a subdivision off Pine Bluff sales up big over ‘11 Road in Morris.

Loan Mortgage Corp. Last December it averaged 3.94 State percent. Home In the nine-coun- Sales ty Chicago Primary Metropolitan Statistical Area (PMSA), home sales Dollars (single family and condo- & Sense miniums) in December 2012 totaled 7,372 homes sold, up 19.2 percent from December 2013 2011 sales of 6,184 homes. Year-end 2012 home sales SPRINGFIELD — Illinois totaled 90,365, up 26.7 per- home sales increased 15.2 cent from 71,315 homes sold percent over previous-year in the region in 2011. levels in December and The median price in median prices increased December 2012 was $151,500 5.6 percent, according to in the Chicago PMSA, up the Illinois Association of 4.5 percent from $145,000 in Realtors. December 2011. The year- Statewide home sales end 2012 median price (including single-family reached $160,000, down -1.5 homes and condominiums) percent from $162,500 in in December 2012 totaled 2011. 10,265 homes sold, up from “Positive signs for the 8,908 in December 2011. housing market contin- Year-end 2012 home sales ue with the comparative totaled 128,436, up 22.9 per- advantage of ownership cent from 104,480 in 2011. versus rental Locally, foreclosures are down, prices ‘going up’ The generating a statewide ed data recently by the Community residents who earn up to $75,000 per significant median When you look at STory by: Foundation of Grundy County, and in year are paying more than 30 percent opportunity price in it were some interesting of their income on housing where we were in for increased Jeanne Millsap December facts about the housing costs, which, according to housing sales Herald Correspondent was January 2012 versus market. the U.S. Census Bureau, in 2013,” said Area Home $132,000, where we ended up in One statistic is that fore- is at the high end of the Geoffrey J.D. up 5.6 per- PhoTograPhS by: closures were down by 28 Sales scale. Conservative advice December, you have to Hewings, cent from lisa pesavento, percent in 2011 from the leans more toward 20-25 Director of December be impressed with the previous year. However, DollArS percent of income spent the Regional visUal Content Coordinator 2011 when residential home prices & SenSe on housing. market’s resilience. Economics themedian“ dropped, as well,down Some relevant people Applications price was to prices seen in around in the county offered their Laboratory $125,000. Michael D. oldenettel 2001. perspectives on the hous- at the The president, illinois assoc. of realtors Another statistic worthy of note from ing market of late. University of he “Vital Signs” of the area were December T the study is that most Grundy County Illinois. “The published in a document of collect- median price reflects a See ‘Local homes’ • Page 8C housing market is likely 10 percent gain from the to experience some bumpi- year’s low point of $120,000 ness in the first quarter in February 2012. The medi- of the year until there is an is a typical market price ” resolution of the fiscal chal- where half the homes sold lenges in Washington and for more and half sold for Springfield. Declining con- less. Year-end 2012 median sumer confidence reflects price reached $139,000, up the uncertainties; consum- 0.7 percent from $138,000 in ers are unlikely to explore 2011. major purchases, especially Museum “Throughout 2012 we of houses, when tax rates, of the saw signs the state’s hous- mortgageinterestdeduc- ing market was recov- GrundyGrundyyC Countund CountyountyyH HistoricaistoricalricallS Society ociety tions and pension obliga- ering,” said Michael D. TheGrundy County Historical Society wasestablishedin1923 tions remain unresolved.” Oldenettel, CRS, GRI, and our exhibitshavebeen located in manyplacesincluding the Fifty of 102 Illinois president of the Illinois courthouse, storage and asmall space on Liberty Street. Today counties reporting to IAR Association of Realtors and we areproud to be in aspace dreamed of by our founders. showed year-over-year Managing Broker/Owner home sales increases in with RE/MAX Results Our exhibits include quilts, military, Mazon fossils, December 2012. Plus in Jacksonville, Ill. Indian artifacts, a1900 living room, a1900 drygoods store, atool Thirty-nine counties “When you look at where shed as well as photosand information on people,places, and showed year-over-year we were in January 2012 events in Grundy County.Stop in median price increases versus where we ended up andsee us to find out more. including Cook, up 7.7 per- in December, you have to cent to $150,000; Jo Daviess, be impressed with the mar- up 3.7 percent to $169,000; ket’s resilience.” Open Kane, 9.4 percent to $142,270; The monthly average Hours: 10-3:00 p.m. Madison, up 24.5 percent to commitment rate for a Days: Thursday,Fridayand Saturday $114,500; Sangamon, up 3.5 30-year, fixed-rate mort- Toursavailable of museum and cabooseany time with 2 percent to $124,500; Rock gage for the North Central daysnotice. Ameeting room is also available foruse prior or Island, up 7.4 percent to region was 3.32 percent in after atour. $91,250; Tazewell,up23.1 December 2012, down from percent to $129,900; and 3.33 percent during the 510 W. IllinoisAvenue•Morris, IL 60450 •815-942-4880 Winnebago, up 6.1 percent previous month, accord- grundycountyhs.org to $79,950. ing to the Federal Home email: [email protected] FRUlAND 7th Annual FUNERAl HOME Wine & Beer •LocaLLy owned •offering PrePaid funeraLs Ta sting Event •serving famiLies of aLL faiths Sat., March 2nd • 6-9pm •cremation services avaiLabLe Morris VFW Featuring Over 80 Wines RICHARD HEXDALL & A Wide Selection of Beers - OWNER Microbrews, Foriegn & Domestic Tickets $15 in advance at Feeney’s or $20 at the door OR online at www.gcha.us 121 west Jefferson street, (Must be 21 to purchase) morris,iLLinois 60450 PROCEEDS WILL GO TO GRUNDY COUNTY HOUSING AUTHORITY 815-942-0700 fax 815-942-0721

WWW.FRULANDFUNERALHOME.COM (87<96 -:5.0 ;<53. &*$% # %'* 4) 48!><5"=25 # ,&/+*1%+''$/ 6C Dollars & sense Morris Daily Herald Special Section — Thursday, February 21, 2013 Where have all the beef cows gone?

two regions had a decrease of Cattle numbers at 860,000 cows. It’s likely that some of those cows moved to lowest since 1952 thenorthern Plains where rain was more abundant, and cow numbers expanded Beef by 4percent, totaling about 170,000 cows,” he said. Cow According to Hurt, the Decline 2012 drought was just the latest event to result in the liquidation of cows that has Dollars been accelerating since 2007. & Sense Nationally, the beef-cow herd has dropped by 3.6 million 2013 head (11 percent) with reduc- tions in all regions except the URBANA — Cattle num- northern Plains. It has been bers are down again to their difficult for the beef industry lowest level since 1952, to compete for high-priced Research shows that houses located near a downtown area, like the according to USDA’s recent feed and limited land that is one in Morris, fetch higher prices when they are sold. inventory count. Beef cow being converted to corn and numbers are at their low- soybean production. The est level since 1962 as the southern and central Plains devastating impacts of the have led the way with a1.9 2012 drought continues the million-head reduction since longer-term decline. Beef 2007, followed by declines of cow numbers were down 3 700,000 head in the Southeast, Downtowns are Draws percent in 2012 and 11 per- and 680,000 head in Corn Belt cent since 2007. According to states. of slowing. Clarendon Hills, Ill., where the down- PurdueUniversityExtension What will it take to turn town is enjoying a renaissance. She Report shows economist Chris Hurt, the the herd decline around? also sells in Hinsdale and LaGrange, A national trend drivers have been high feed The answer is more rain, Ill. — two communities that have long ‘walkability’ can and forage prices, persis- more crop production, and Last year, the Brookings Institution enjoyed strong downtowns. tent drought in the south- more pasture and forage pro- published areport on the strength Kenna estimates that almost all her ern Plains, and of course duction. boost home values of what it referred to as walkable recent sales in Hinsdale and Clarendon the widespread midwestern “Larger crop and forage neighborhoods. The report’s authors, Hills have been near the downtown drought of 2012. production would increase Christopher Leinberger, avisiting district. “The 2012 drought was availability and lower prices Effects fellow with the Metropolitan Policy “We are seeing many people return- the primary driver of the of these critical feedstuffs,” Program, and Mariela Alfonzo, a non- ing to the suburbs after having lived of decrease last year as it Hurt said. resident special guest of the same pro- in Chicago as young adults. In the city, destroyed pastures and for- “Given the small size of the Downtowns gram, define walkable neighborhoods they could walk to the El and restau- age supplies and catapulted calf crop, this would bolster as those that allow residents to meet rants,” Kenna said. “When they come corn, sorghum, and soybean calf prices. A second condi- all their daily needs by walking, bik- back to the suburbs, they are looking Dollars meal prices,” Hurt said. tion beef producers would ing or taking public transportation. for the same convenience. They want “The impacts were largest like to see before expanding & Sense In a walkable neighborhood, resi- to be able to walk to public transporta- for producers in the south- is some assurance that feed dents can walk to a grocery store to tion and restaurants.” ern Plains where beef-cow prices will have an overall 2013 buy the spaghetti sauce they need The public-transit factor is especial- numbers dropped by 9 per- moderation in coming years, for dinner. They can stroll to a train ly important, Kenna said. Residents cent last year and in the cen- not just aone-year decrease,” CHICAGO —Real estate agent or bus stop to get to their office each want the freedom to be able to hop tral Plains where numbers he said. Dennis Sluga has assisted clients’ morning. And if they feel like taking on a Metra train and be in downtown were down 6 percent. These house hunting in Elmhurst, Ill., for in a show, trying a new restaurant or Chicago just by walking from their See ‘Beef Cows’ • Page 7C more than two decades, and these stopping by a bar to hear a local band, homes. Even smaller downtowns can days, there is one thing he hears with they are able to walk or bike to it. provide abump in interest to the great regularity from the buyers he Walkable neighborhoods are often homes located near them. represents. Whether they are moving downtown areas, much like the ones Among the communities where to Elmhurst from the city or have lived that can be found in such Chicago Mary Opfer, a broker with RE/MAX in the suburb all their lives, those suburbs as Highland Park, Geneva, Unlimited Northwest in Crystal Lake, buyers want to be near Elmhurst’s Elmhurst, Clarendon Hills and Ill., sells homes is Cary, Ill., a small downtown. Evanston, Ill. town with a compact but charming Downtown Elmhurst is filled with The Brookings report, “Walk downtown that has plenty of history restaurants, boutique shops and bars. this Way: The Economic Promise behind it. The area features a coffee There’s a movie theater, Metra train of Walkable Places in Metropolitan shop, Italian restaurant, offices and a stop and even a comic-book shop. Washington, D.C.,” ranked neighbor- bar and grill famous for its hamburg- “Being downtown in Elmhurst hoods in the Washington D.C. area ers. The original train station, built in is great,” said Sluga, an agent with in terms of walkability, giving them 1863, still serves residents going to and RE/MAX Action in Lisle, Ill. “I’ve a score of one to five. For every step from Chicago. sold many condos and townhouses in up the walkability ladder, home val- “Even though it’s not especially downtown Elmhurst over the last 20 ues rose by a rather impressive $82 a big, our downtown area draws a fair years. People want to live downtown. square foot. amount of interest from prospective You can see all the people getting off home buyers who like the idea of the train at the end of the day and Local examples being near the conveniences it offers,” walking to where they live. It’s a nice Carrie Kenna, an agent with RE/ said Opfer. “They appreciate the fact way to commute. Having train service MAX Properties in Western Springs, that it’s cozy and has that familiar makes a big difference.” Ill., has seen firsthand how much hometown atmosphere, plus they can Sluga is far from alone in noticing value a strong downtown that offers get to downtown Chicago quickly and the stronger pull of vibrant, walkable restaurants, shops, theaters and pub- easily.” downtown areas. Research shows that lic transportation can add to a home. Kenna noted that the popularity of homes located near popular downtown “It adds so much value to the house living in or near suburban downtowns areas fetch higher prices when they’re to be close to downtown,” Kenna said. is a self-reinforcing phenomenon. sold because buyers are more inter- “There are the social, convenience and “Greater population density in and ested in condos, townhouses and sin- entertainment reasons. With shops to around downtowns is good for the gle-family homes located either in or visit and restaurants to dine at, down- business community, so new restau- within walking distance of downtown towns are thriving areas that buyers rants and other businesses will con- areas that have a lot of foot traffic. want to be near.” tinue to pop up. And that can make This trend is strong throughout the There are several such areas in the downtown even more attractive as Chicagoland area and shows no sign Kenna’s market. She sells homes in a place to live,” she said.

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800,000 times and used by taxpayers most accurate and complete informa- FMLA Tax Season millions of times. tion that the IRS has about the refund, More helpful information is avail- so there is no need to call the IRS unless Continued from Page 2C Continued from Page 4C able through IRS social media plat- the web tool says to do so. “Enabling our military families to care for their loved The front page also has links to rede- forms, including: • To use the “Where’s My Refund?” ones without fear of losing their job and to actively par- signed pages to help with everything •YouTube, where viewers can watch tool, taxpayers need to have a copy ticipate in deployment, reunification and recovery reflects from refunds to specific tax issues as more than 100 short, informative vid- of their tax return for reference. our deeper understanding of the role family members well as easy access to taxpayer-friendly eos. They are available in English, Taxpayers will need their Social have in sustaining an all-volunteer force. Today’s rule videos on the IRS YouTube channel. Spanish, American Sign Language and Security Number, filing status and the makes clear this administration’s strong, ongoing com- Through IRS.gov, taxpayers can other languages. exact dollar amount of the refund they mitment to respond to the needs and sacrifices of our mili- access Free File,which provides • The IRS also has several twit- are expecting. tary families. The rule also helps ensure that pilots and options for free brand-name tax soft- ter feeds available for taxpayers in Taxpayers should remember that flight crews will no longer need to choose between career ware or online Fillable Forms plus free English and Spanish at @IRSnews or @ while most tax refunds are issued and caring for a loved one,” said acting Secretary of Labor electronic filing. Everyone can use Free IRSenEspanol. And @IRStaxpros cov- within 21 days, some tax returns need Seth D. Harris. File to prepare a federal tax return. ers news for tax professionals. additional time to be reviewed. As part The rule, being expanded, implemented congressional Taxpayers who make $57,000 or less •For the 2013 filing season, the IRS of that effort, the IRS has put in place amendments to the FMLA permitting eligible workers can choose from about 15 commercial has added Tumblr to its list of social stronger security filters this filing sea- to take up to 26 workweeks of leave to care for a current software providers. There’s no income media platforms. People who want tax son to protect against refund fraud and service member with a serious injury or illness. Congress limit for Free File Fillable Forms, the information now have another way of identity theft. also created qualifying exigency leave, which permits electronic version of IRS paper forms. accessing and sharing helpful tax tips, eligible employees to take up to 12 workweeks of leave People making $51,000 or less usu- videos, podcasts and other informa- Identity theft for qualifying exigencies arising out of active duty or call ally qualify for the Volunteer Income tion at www.internalrevenueservice. to active duty in support of a contingency operation of a Tax Assistance program for free tax tumblr.com Stopping identity theft and refund family member serving in the National Guard or Reserve. preparation and electronic filing. Tax The IRS only uses social media tools fraud is a top priority for the IRS, and This means that workers can attend a spouse’s farewell Counseling for the Elderly, asimilar to share public information, not to the agency’s work on identity theft and welcome home ceremonies without being penalized at community-based volunteer program, answer personal tax or account ques- and refund fraud continues to grow. work. They also can spend time with family members on offers free tax help with priority assis- tions. For the 2013 filing season, the IRS has leave from active duty service without risking their jobs. tance to people age 60 and older, spe- And the IRS reminds taxpayers to expanded these efforts to better pro- The final rule also implements amendments clarifying cializing in questions about pensions never post confidential information, tect taxpayers, help victims and detect the application of the FMLA to airline personnel and flight and retirement issues. Information on such as aSocial Security Number, on refund fraud before it occurs. crews. Until the amendments, many flight crews did not these programs can be found at IRS. social media sites. The effort includes stronger screen- meet FMLA eligibility criteria due to the unique way in gov. ing filters for incoming tax returns, increased IRS Criminal Investigation which their hours are counted. The legislation authorized This year, the IRS is doubling the Check for a refund the department to tailor FMLA regulations that extend number of sites where taxpayers can activity and expanded partnerships protections to these uniquely situated employees. get assistance through two-way video Even with the Jan. 30 opening of with locallaw-enforcement officials For more information, including the rule, a military conferencing. During 2012, the pro- the tax season, the IRS expects to issue and financial institutions. More infor- leave guide, fact sheets and other materials, visit http:// gram’s first year, about 14,000 taxpay- refunds within the usual timeframes. mation is available in IRS Fact Sheet www.dol.gov/whd/fmla/2013rule. ers received assistance at 13 locations. Last year, the IRS issued more than 2013-2. The final rule announced recently will have tremendous Following a strong response to the vir- nine out of 10 refunds to taxpayers in By late 2012, the IRS assigned more benefits for workers, employers and families. The FMLA, tual assistance program, the IRS plans less than 21 days, and it expects the than 3,000 IRS employees —more than enacted in 1993, entitles eligible employees of covered to roll out 14 new sites. same results in 2013. double the number from 2011 —to employers to take unpaid, job-protected leave for specified Alist of the 27 available locations is After taxpayers file areturn, they can work on identity theft-related issues. family and medical reasons. For additional information on IRS.gov. track the status of the refund with the IRS employees are working to pre- on the FMLA, including information and fact sheets on the For tax law questions or account “Where’s My Refund?” tool available vent refund fraud, investigate identity proposed revisions, visit http://www.dol.gov/whd/fmla. inquiries, taxpayers can also call the on the IRS.gov website. New this year, theft-related crimes and help taxpayers IRS toll-free number (800) 829-1040 (7 instead of an estimated date, “Where’s who have been victimized by identity a.m. to 7p.m. local time) or visit a My Refund?” will give people an actual thieves. taxpayer assistance center. Taxpayers personalized refund date after the IRS In addition, the IRS has trained 35,000 prices in the low- to mid- should check IRS.gov for the hours and processes the tax return and approves employees who work with taxpayers Beef Cows $130s, may have been exces- services offered at the location they the refund. to recognize identity theft indicators sive, Hurt said. Smaller fin- Here are some tips for using “Where’s and help people victimized by identity Continued from Page 6C intend to visit. ished cattle supplies due to My Refund?”: theft. USDA found evidence the small placements last •Initial information will generally be The IRS continues to increase its among producers that they summer and fall provide Apps and social media available within 24 hours after the IRS efforts against refund fraud, which were getting positioned to the opportunity for finished For the third year, the IRS will offer receives the taxpayer’s e-filed return includes identitytheft.During2012, begin expansion. The num- cattle prices to rally back IRS2Go, its smartphone application, or four weeks after mailing a paper the IRS protected $20 billion of fraudu- ber of beef heifers being toward the mid- to higher- which enables taxpayers to check on return. lent refunds, including those related to saved for herd replacement $130s this spring and early the status of their tax refund and obtain •The system updates every 24 hours, identity theft, compared with $14 bil- was up 2 percent. Hurt said summer. Hurt said that helpful tax information. The IRS2Go usually overnight. There’s no need to lion in 2011. that there is a general feel- prices are expected to be in app, available for Apple and Android check more than once a day. For more information, see the special ing that cattle prices could the higher $120s this sum- users, has been downloaded more than •”Where’s My Refund?” provides the identity theft section on IRS.gov. be very strong in coming mer and then strengthen in years due to small per cap- the fall to the low- to mid- ita beef supplies. If weather $130’s. moderates, several profit- “If weather helps restore able years are anticipated feed and forage supplies SOCU for cow-calf producers. this summer, a more aggres- Will help youreach your “Finishedcattle prices sive expansion of beef heif- should strengthen into ers should be anticipated 2013 Goals the spring as beef supplies beginning in the fall of 2013 Refinance your Mortgage to SOCU drop,” Hurt said. and continuing into 2014,” 1. “These smaller beef sup- he said. If this does occur, with rates as low as 2.99% APR plies are related to both it will set the stage for very Refinance your Auto to SOCU asmall cow herd, which strong calf prices and new 2. means a small number of record high prices for fin- with rates as low as 1.99% APR calves available, and to ished cattle in 2014. Open aChecking Account at SOCU the pace of feedlot place- “If crop and forage pro- 3. ments that dropped sharply duction returns to near no minimum balance -free order ofoforderree checks beginning last July due to normal, the cattle industry higher feed prices result- is poised for multiple years 4. Open aVisa at SOCU ing from the drought. of favorable returns and Placements from July expansion,” Hurt said. with 2.99% APR balance transfers through November last “However, everyone 815-942-1915 year were down 12 percent. watching the Drought This will create a period of Monitor knows that much reduced marketings from of the country has not yet FULL SERVICE AUTO feedlots in the late winter returned to normal weath- through mid-summer. In er conditions. Beef cattle REPAIR YOU CAN TRUST SOCU addition, the U.S. economy producers will be poised may be somewhat stronger to expand when weath- TODD CADE TOM DOWNEY Streator Onized Credit Union than some are anticipating, er conditions improve. www.yourdwightcreditunion.org which will be supportive Unfortunately for the beef Owner/Technician Manager/Technician to finished cattle prices as industry, both poultry and 124 E. Main St. -Dwight -815-584-9730 well,” he said. pork producers are waiting *All checking, loans &visas subject to credit approval. Rate mayvarybased on credit, term & Recent futures price 409 West Illinois Avenue at the starting line as well,” value. See streatoronized.org forcomplete details. Limited time offer.Federallyinsured by the declines, which are suggest- Hurt said. Morris, Illinois •60450 NCUA. Equal housing lender. ing late winter and spring

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It’s certainly not back to pre-recession gang busters, but it’s going well. Local Homes Philanthropy Continued from Page 5C Continued from Page 4C Nancy Norton Ammer JoAnne Gretencord, of RE/MAX Top The United Way is a CEO, Grundy Economic Development Council leader and co-convener, Properties too. Coordinating volun- “I think things have gotten a lot better than teer opportunities, the they were,” Gretencord said of the housing United Way is acommunity market in Grundy County.“The prices are resource for individuals going up.” looking to volunteers, as well “”Gretencord said sellers have been taking a as for not-for-profits needing beating the last few years, but that may be turn- volunteers. Networks and ing around. projects where we partner “Sellers have had to take the hard knocks,” heavily include the Back- she said, “and it’s a really good time to buy. We to-School Fair, the Grundy are still busy. I’m always busy, all the time, and Partnership for Children, our office is always busy.” and the Behavioral Health The economy downturn also hit renters hard, Alliance. Grundy County is she said. Her realty business also manages a small county and resources properties, and Gretencord said she saw sev- are scarce or dwindling, eral renters who had to find places of lower rent Local realtorssay therefore it is vital that or move in with their parents. that signs likethis we partner and network to one are becoming make agencies more efficient Shawn Hornsby, of Century 21 Coleman- increasingly common and stretch their shrinking Hornsby in the area. resources, all while provid- ing quality services to the The number of homes sold in Morris and clients they serve. growth,” he said, “and that has helped tremen- Grundy County in 2012, Hornsby said, was still How can you support dously.” not an overwhelming number, but was up 27 our organizations? “Live The city is beginning to see some new con- percent over the year before. United,” and give to the struction, as well, Chesharek said, with a cou- “Last year was the first year in a while I saw United Way. Your donation ple of “spec” homes and a couple of custom Josh Nugent, of Coal City, the number of homes sold increase over prior will be pooled with other homes. aManager Trainee at the years,” Hornsby said. “The median home price generous donors and shared “I think we’re starting to see the light at the Menards in Morris, works on a also increased in Grundy County.” among the 27 partner agen- end of the tunnel,” he said. “People know things display in November. Hornsby said one reason could be that the cies who meet the most basic will turn around. They always do.” higher-priced houses finally began selling needs of our county’s resi- again after years of a very slow market. That dents in need: food, shelter, would attribute to much of the median home Dan Duffy, Minooka Village Administrator housing, counseling, educa- Large Business price increase. “The housing market is definitely very opti- tion, and health care. Continued from Page 3C “I’m also seeing shrinking inventories,” he mistic over the last year and going into 2013,” Donors can support the said. “There are fewer homes coming on the With each new addition, Minooka and Grundy Duffy said. “Things are picking up very well.” Community Foundation market now because we are finally selling.” County as a whole will benefit. Minooka will Minooka has completed the infrastructure by starting afund of your Median home prices are up in Morris, he benefit from the fuel purchased in town for the on its last subdivision that had issues with own to benefit the chari- said, but down in Coal City, Diamond, and trucks coming in and out of the distribution cen- bankruptcy, he said, and that property is ready ties you care about. Types Carbon Hill. Channahon and Minooka still ters, from the property taxes on the large centers, to market. And Duffy said thanks to a stimulus of funds include Donor have quite a few foreclosures and distressed from the new job opportunities for the residents package the village instituted a couple of years Advised, Scholarship, Field sales, he added. in and around Minooka and from much more, ago that gives a check of $10,000 to buyers of a of Interest, Designated, and Also in 2012, Hornsby said, he began to see Duffy said. single family home and $5,000 to those who pur- Agency Funds. Please con- multiple offers on homes for sale. That’s a very “Say it’s a one-million-square-foot building,” he chase a duplex home, sales are up. tact us to explain the impact good sign, he said. explained. “That could kick off anywhere between “We’ve had about 30 new homes sold each you would like to make and $600 and $700,000 in property tax revenues for the year for the last three years,” he said. “The pro- we’ll recommend the type of local area. That goes to funding schools, libraries Bill Chesharek, City of Morris Building and gram has been very successful.” fund that is right for your and other community services like our village Zoning Officer Duffy also said he thinks Minooka residents charitable goals. and police protection.” are doing better financially this past year, from ——— Chesharek said Morris is not seeing a large The business prospects in Grundy County what he’s seen on payment of water bills. Karen Nall is the Executive number of foreclosures at this time. used to be primarily logistics prospects, but now, “That’s a good barometer,” he said. “Those Director of the United Way The city wasn’t overbuilt, he explained, and according to Norton Ammer, 65 percent of the who are having trouble paying their water bills of Grundy County, and so wasn’t as affected as some other communi- prospects are manufacturing ones. are fewer over the past year. That’s a good sign. Julie Buck is the Executive ties were with the recession and housing mar- “It’s certainly not back to pre-recession gang ... We’re not going to see the boom growth we Director of the Community ket collapse. busters, but it’s going well,” Norton Ammer said. saw five or six years ago, but we’re going to Foundation of Grundy “We wanted growth, but we wanted gradual “We’re looking forward to 2013.” have good, manageable growth.” County.

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Teaming up FaFSa’S Favorable Schools, municipalities work Aid application has many together with less revenue benefits, few drawbacks page 2D page 4D

The cost of college a Scholarly Sorrow burden for many families

STory by: JeAnne MillSAp Madison Angus, ajunior at TuiTion TipS uu HerAld CorreSpondent Minooka Community High School, looks through some of the local n From U.S. News and World Don’t make assumptions phoTographS by: scholarship applications on file in the school’s Career Center. Report (www.usnews.com/ that financial assistance liSA peSAvento, education), here are 10 ways found through the FAFSA viSUAl Content CoordinAtor to save on college costs: won’t help you. Go through n the motions just in case. Stay in state.Attending an n in-state public university can Know your priorities. be a huge money-saver. Take only the necessities when you go to school. orrying about how to pay for a child’s college edu- n W Consider a community n cation can be one of the most stressful times of a parent’s college. Even if your child Make the most of your life. Parents want to give their children the best start to goes straight to a four-year meal plan. Use the meal plan their adult lives, but they also don’t want to be drowning school, credits they accrue rather than going out to a in debt or give too much of a financial burden to the stu- during the summer at a restaurant. Many dining halls dent, either. community college can be a have take-out meals you can But there are many ways to ease great help. use if you’re not near the hall the burden of college costs. attend college. The site is www.consumerfinance.gov. during meal time. Take them The office of Federal Student n Minooka Community High School Career Center Look local for with you rather than buying Aid, for instance, provides Coordinator Michelle Schoolman advises her students to College scholarships. Scholarships meals or snacks elsewhere. grants, loans, and work-study be sure to check out the many local and regional scholar- Costs exist for all kinds of students, n funds to eligible students, ships, as well. She has several posted on the school’s web including those with a Identify local student offering $150 billion each year site, with hard copies in the office. Even if you think you particular passion, strong discounts. Many local shops Dollars to help millions of students won’t qualify, she tells MCHS seniors, you might be sur- & sense leadership, and those who and restaurants offer great pay for higher education. prised. are service-minded. savings when you show your There are also state grants, “You have to at least look,” she said. “You don’t know n I.D. grants offered through the stu- what’s out there. A lot of students don’t think they might Keep your student on n dent’s university and scholar- qualify, but that’s not always true.” track. Nothing can cause Skimp on the small ships. If those aren’t enough, there are Schoolman said examples of scholarships open now college cost overruns like stuff. Forget the pretty floral loans that do not have to be paid back until the student include a Minooka Channahon Rotary Club scholarship having to stay in school an notebooks and the sets of 24 graduates. for $1,000 that looks at students’ community service extra semester. Encourage highlighters. One of the first things to do, according to the Consumer throughout high school and grades. your child to take a full class n Financial Protection Bureau, is to shop around for aid The Minooka Lions Club is offering 10 scholarships of load, keep up with graduation Know when to say no. packages from several colleges. This federal government $750 each this year, she said, and grades are not even part requirements, and stay You can’t buy every t-shirt, branch has a “shopping sheet” that lets high school stu- of the consideration process. The application looks at in- focused on good grades. baseball or tote bag. Limit dents compare financial aid packages they have been school and out-of-school activities and an essay. your purchases. offered in order to make informed decisions on where to See ‘College’ • Page 5D

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Students need to know how to avoid the higher interest rates and student less favorable terms of pri- loan vate loans, so they can be acts on more stablefinancial footing when they gradu- ate,” Harkin said. Dollars “Mounting student loan & sense debt not only saps the abil- ity of students in Minnesota and across the country to 2013 prosper after they gradu- ate, but it is now becoming WASHINGTON —U.S. a real threat to our coun- Senator Dick Durbin (D-IL) try’s economic well-being,” joined Chairman of the said Sen. Franken, a mem- Senate Health, Education, ber of the Senate Education Labor and Pensions Committee. “The average Committee U.S. Senator Minnesota student now Tom Harkin (D-IA) and U.S. graduates from college with Senator Al Franken (D-MN) more than $25,000 in debt, The new Brisbin Road interchange on Interstate 80 is an example of in reintroducing two pieces and large repayment costs a project collaborated on by numerous municipalities. of legislation —the Fairness for many years afterward for Struggling Students Act stop them from being able of 2013 and the Know Before to purchase homes, cars or You Owe Act of 2013 —to other goods which fuel our restore transparency, fair- economy. That is why I’ve How ness andcommon sense to been pushing for common- the student loan process. sense reforms to According to the student loan the Consumer process since I Financial Too many joined theSenate. Protection Tough Times Americans The cost of a col- Bureau, the stu- lege education dent loan debt are carrying Can shouldn’t bank- among college around rupt afamily. As students sur- martgage- our economy con- passed $1 trillion Beget tinues to recover, last year. This sized student this legislation reflects an aver- loan debt. will help protect Togetherness age debt load of“ our students.” $24,301 for each of Schools, municipalities rely on each other to make it work The Fairness the 37 million stu- Dick Durbin for Struggling dent borrowers in U.s. senator an impact — positive or negative — on During the housing boom, munici- Students Act the United States, STory by: another. palities like Channahon and Minooka of 2013 — according to the New York Kris stadalsKy, Residential building which had population also cosponsored by Federal Reserve Bank. The brings new people to an explosions created fees to U.S. Senators Sheldon Herald Correspondent CFPB reports that approxi- area, creates jobs in con- help offset the impact on Whitehouse (D-RI) and Declining mately $150 billion of out- struction and makes a schools and to slow resi- Jack Reed (D-IL) –aims to Revenue standing student loan debt ” PhoTograPhS: town more attractive to dential growth. restore fairness in student is in private loans. By lisa pesavento, newcommercial growth Developers are charged lending by treating pri- “The first two pieces of FroM Herald Files like restaurants and retail DollaRs aschool and park site vately issued student loans legislation Iwill introduce stores, also creating jobs. & sense fee, to be used toward in bankruptcy the same this Congress deal with At the same time, more the purchase of land, or as other types of private what Ithink is one of the homes means additional donate property on which debt. Since 1978, govern- biggest threats to millions students who impact local to build. ment issued or guaranteed of working families — the schools, which in turn may have to Another fee, called a school facilities student loans have been n these tough economic times, it’s growing student loan debt I hire more teachers or provide more fee, was created to construct schools treated as nondischargeable become vital for schools, municipali- crisis,” said Durbin. “Too services down the road. Increased ser- since the site fee could only be used to during bankruptcy in order ties and developers to work together many Americans are car- vices or more schools could mean a purchase land. to safeguard federal invest- for the common good. rying around mortgage- higher tax rate. ments in higher education. What one entity does will likely have See ‘revenue’ • Page 6D sized student loan debt that In 2005, the law was unjus- forces them to put off major tifiably changed to give pri- life decisions like buying GrundyCounty’sFull Service Printer Since 1948 vate student loans the same a home or starting a fam- privileged bankruptcy ily. It’s not only young peo- treatment as government ple facing this crisis, it is loans, even though private parents, siblings and even Willareth student loans have vastly grandparents who co-signed different terms and fewer private loans long ago and consumer protections. are still making payments Today’s bill would restore decades later. It’s time for Wilkinson the bankruptcy law, as it action. We can no longer sit pertains to private student by while this student debt loans, to the language that bomb keeps ticking.” YOUR #1 SOURCE FOR was in place before 2005 so Chiropractic “Unless we take action that privately issued stu- to educate and protect bor- PRINTING ©ING dent loans will once again rowers, student loan debt be dischargeable in bank- Affordable Chiropractic Care For Both Chronic And Acute Conditions will be the next mortgage Our modernequipment can meet all your ruptcy like nearly all other crisis. Young Americans Most Insurances Accepted forms of private debt. printing needs now and in the future. are being hamstrung by “A basic principle of our Same Day Appointments record debt levels, forcing country is afresh start them to delay other impor- for those who get in over ForHigh Quality,QuickTurnaround tant investments in their Glenn Willareth Phil Wilkinson their heads with debt, if futures, including purchas- and the Best Price Call BaileyPrinting they’re willing to face the D.C. D.C., C.C.E.P., C.C.S.P. ing homes and saving for at 815-634-2102 rigors of bankruptcy,” said asecure retirement. By Over 40 Years Of Serving Whitehouse. “Even this is Certified Chiropractic We Work Closely with Our Customers to Assure empowering students with The Morris Area denied for those drowning Sports &Extremity Practioner clear guidance about their Their Satisfaction on All Jobs,Large or Small in private student loans, Mon., Wed., Fri.: federal financial aid options Mon., Wed., Fri.: 8:30 –6:00 as the result of aprovision 8:30 –6:00 before they turn to more Tues., Thurs., Sat: 8:30 –12 snuck into the 2005 bank- FREE LOCAL PICKUP &DELIVERY expensiveprivate loans ruptcy reform legislation in and restoring the option the dead of night. This bill 273 South Broadway � Coal City,IL60416 to discharge private loan � gives us the chance to right Tel:815.634.2102 Fax:815.634.2815 debt throughbankruptcy, Call 815-942-5350 To Schedule Your Appointment Today that wrong.” www.baileyprinting.com the Know Before You Owe E-Mail: [email protected] See ‘acts’ • Page 5D 118 E. Jackson St., Morris, IL 60450

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Find us on Facebook! Dollars & sense 3D Morris Daily Herald Special Section — Thursday, February 21, 2013

Devan Gagliardo, Program Director for the Community Foundation of Grundy County; Jim Baum, past President of the Board; and Julie Buck, Executive Director, Retirement planning after all played a role in putting together the Vital Signs of Grundy County study. The study amassed data across a wide range of topics to help identify issues and trends in Grundy County and to prompt communication among organizations to brainstorm solutions for any found issues. the Great Recession Rousseaux: Baby Boomers need to think with urgency

Those are the two most ably turn to a trusted friend common mistakes people or an independent expert Planning make in retirement plan- source, like Consumer to ning — having everything Reports. Take the same care in either stocks or short- with something as impor- retire term savings is abad idea, tant as your retirement,” he says. Rousseaux said. Dollars “Space your investments The second benefit is that so they’ll come due as they’re independent advisors can & Sense needed,” Rousseaux says. devise creative, innovative “Plan some that can be solutions to meet the needs 2013 available in the short term, of individual clients. Those for emergencies, and others working for companies like The economy may be that will be available as you MetLife are not free to think recovering, but some of the age.” outside the box. And that’s changes wrought by the Only 14 percent of especially important In this Great Recession may be Americans are very confi- new, post-recession econo- long-lasting. dent they’ll have the money my. Anyone planning for to live comfortably in retire- •Consider alternatives retirement, no matter what ment, according to a 2012 sur- to the stock market. One of their age, needs to take those vey by the Employee Benefit the effects of the recession is changes into account, says Research Institute. that the public realizes Wall financial advisor Philip Here are Rousseaux’s sug- Street is not a safe retire- Rousseaux, a member of the gestions for ensuring you’re ment plan. Even if it can get Million Dollar Round Table part of that 14 percent. you there, it’s not necessar- Vital discussion association’s Top of the •Don’t take risks you can’t ily going to keep you there. school social workers and teachers for Table forum for the world’s afford. This is another com- “There are a number of Project already the assistance due to the fact that school staff most successful financial mon mistake. great, safer alternatives,” doesn’t have the resources to address all of services professionals. “Don’t put the bulk of Rousseaux says. One of those the families’ needs. “People in their 40s and your assets into anything is fixed, indexed annuities. subject at several In response to the first request of younger have some time to that makes your principal “You loan an insurance com- increased communication among schools, retool their plan, but Baby vulnerable. Gambling that pany money and it guaran- municipalities and developers, the Boomers need to think you’re going to win big on tees you payments over a CFGC meetings Foundation used this as the topic for the with more urgency,” says the market, or any other specified length of time. It’s Jan. 31 Grundy County Area Planners Rousseaux, founder and investment, means you also a contract between you and breakfast. This quarterly meeting is coor- president of Everest Wealth risk losing big,” Rousseaux the company,” he explains. STory by: dinated by the Foundation and the Grundy Management, Inc., www. said. Fixed-rate indexed annui- Julie Buck Economic Development Council to bring everestwm.com. A portion of your invest- ties have a minimum and Special to the herald education, training and networking to all “A lot of boomers had all of ment should have a guaran- maximum interest payment of the taxing bodies across the county, their retirement investments teed return. that’s linked to acommon including towns, the county, schools and in the stock market and, if • Seek any guidance from index, such as the Dow. PhoTograPh by: fire and library districts, as well as profes- they didn’t lose their princi- independent financial advi- When the Dow goes up or liSa peSavento, sional planners and volunteer plan com- pal, it will take some time for sors. This has two benefits: down, so does the interest viSual content coordinator missioners. them to recoup their gains. Advisors who aren’t market- rate, but it never goes below The Jan. 31 breakfast featured a pre- Others moved their money ing their own products have the guaranteed minimum or sentation by Mike Garrigan, Planner for to short-term savings, like no conflicts of interest. above the guaranteed maxi- the Village of Plainfield. Then Matt Fritz, CDs. But with interest rates “You wouldn’t go to a mum. Village Administrator for Coal City, and so low, they’re actually los- commissioned salesman for “Your principal is safe and Dr. Kent Bugg, Superintendent of Coal ing money when you factor advice on buying ahigh-tech you can ride an up market Vital Signs was purposely presented in inflation.” as basic, condensed data without judgment City Unit School District 1, led a discus- product. Instead, you’d prob- without the risk,” he says. or without overwhelming the sion about how they partner readers with too much data. A in Coal City to address the needs of developers, the vil- great amount of data was left Vital out — not to make an editorial lage and the school district. statement, but to highlight Signs Representatives came from all Income tax prep &filing by afull-time data that is important to the corners of the county; we had Community Foundation of DollarS 30 in attendance. Grundy County and to spur & SenSe Regarding the superin- professional.Now that’sGOOD sense. tendents’ request for help dialogue among others. We ~Ken Goodwin, CPA welcome any comments about with social services, the the project for inclusion in Foundation took the message future editions. to the Grundy County Interagency Council Call JudyHauch, an IRS Registered We’renot a“CHAIN”tax store! We areaccounting and tax pro- and the Behavioral Health Alliance of The Community Foundation of Grundy fessionals thatare available ALL YEAR. That’saGOOD choice! Grundy County so that the members TaxReturn Preparer to set up your County improves the quality of life in tax appointment! 815.941.0554 Grundy County through leadership of these two networks are aware of the Since 2001, we’veprovided exceptional customer servicewhile and philanthropy. Moving forward, the request and can take individual agency maintaining the highest standards of the accounting profession -all year Foundation is using Vital Signs as a topic steps to address the concern. NEWCUSTOMERS! long! We offer specialized services,including strategic tax planning for Also, the Foundation is assisting Coal of discussion for meeting with small schedule your individuals and businesses,aswell as consulting services thatinclude groups of leaders in each of the 10 topic City Unit School District 1 develop a pilot appointment with project to pair Masters-level interns with Judyand get Quickbooks support.We deliver accounting excellenceyou cancount areas in order to a) determine whether the on–and that’sGOOD forbusiness and GOOD foryou! Foundation can play a leadership role in families in order to help families access the issue, or b) bring philanthropy to the social services in a timely manner. Interns $ table in order to address problems. are being solicited from Lewis University 25 off and the University of St. Francis. The goal In late November, the Foundation met Judy Hauch Prices starting at with school superintendents from around is to provide space for interns to meet Grundy County to review the “education” with families in the Coal City schools $ section of Vital Signs. At the conclusion, it “after hours” (many families cannot get CPA was identified that the Foundation can be to agencies during their service hours due forF100orm 1040 of assistance with two items: 1) increasing to family work and commute hours) and communication among schools, municipal- then stay in close communication with the $ 717 N. Division •Street Suite2•Morris,Illinois 60450 ities, and developers, especially as schools families throughout the process of access- with www.kengoodwincpa.net ing services. However, this pilot project 140 struggle with decreasing funding and also KenGoodwin Schedule A because the majority of property taxes go is in its early stages and it is not ready to to school districts; and 2) help with school launch — but we hope to begin in March! families in need who are reaching out to See ‘Vital Signs’ • Page 6D Spring Is In The Air At...

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STory by: Jeanne Millsap Herald Correspondent

PhoTograPhS by: lisa pesavento, visUal Content Coordinator

If you’re preparing to go to college, filing the FAFSA (Free Application for Federal Student Aid) form is the first step to real- izing many of the financial aid opportunities Student Aid open to you. The Application process may be a bit time-consum- DollArS ing, but there are & SenSe books to help out, as well as tips on Emma Werden, a junior at Minooka Community High the website www. School, explores the FAFSA website in the school’s fafsa.ed.gov. Career Center. Joliet Junior College also schedules work- shops where students and their parents can sit down at a computer and fill out the form with financial aid representatives available College Director of Financial Aid/Veterans, Colleges use the information from the applied that determines how much federal to give any assistance necessary. “and in fact, it’s not even too late for the FAFSA to determine if students are eligible aid a student is qualified to receive. It’s usually recommended the form be current 2012-2013 year. Alot of colleges for such federal grants as the Pell Grant Seward offered several tips on filling out filled out and sent in online, although down- have their own deadline dates and limited and the SEOG Grant, as well as university the form. loading the form, filling it out by hand and resources, but you should still apply.” grants, campus work-study programs, and • Don’t guess on the numbers. Use accu- mailing it in is also an option. It’s also rec- Even students who think they may not even loans. rate information regarding all income and ommended the form gets filled out as close qualify for financial aid due to their parents The FAFSA asks many questions, and assets. to Jan. 1 of the year before college atten- earning higher incomes should apply. according to the book, “Paying for College • Apply as early as possible after the form dance as possible. Many funds are awarded “It’s always to the student’s advantage Without Going Broke,” the end result will is available on January 1 of the school year first-come, first-served. and to the parents’ advantage to fill out the give information on the parents’ available prior to college attendance. If that deadline has come and gone, how- FAFSA,” Seward said. “Sometimes people income; the parents’ available assets; the • File your taxes as early as possible, then ever, it’s still advisable to submit a FAFSA. think they don’t qualify, but they might. student’s available income; and the stu- take advantage of the IRS Data Download to “It’s not too late for the 2013-2014 school And it’s free. It won’t cost you anything but dent’s available assets. get those tax numbers on to the FAFSA. year,” said David Seward, Joliet Junior your time.” With that information, aformula is See ‘FaFSa’ • Page 6D

Learn More uu GET TO THE CORE OF YOUR HEALTH WOW! Joliet Junior College will hold a series of free FAFSA and scholarship workshops in February and March which are all FITNESS CLASSES FOR ALL LEVELS WOW! REWARDS CHECKING open to the community. There will also be professional assistance available for Jive • Late Night Shape-Up the online application process. No appointment is neces- After Work Shape-Up sary, and English/Spanish translators will be available. To LowImpact • Lower Body Blaster file a FAFSA, copies of 2011 federal income tax forms, 2.50% apy* copies of W-2s and all other income documentation are required. Instructor &Personal Trainer: balances up to $15,000 Those who attend will also learn about various scholar- Abbey Musser,B.S. ships available to JJC students. For JJC students, there UP TO $10 FOREIGN ATMREFUNDS is over $700,000 in available scholarships from the JJC 211 E. Jefferson Street Foundation and other institutional sources. JJC students GENERAL CHIROPRACTIC CARE Morris, IL 60450 BONUS: Open anew WOW Rewards received over $23 million in total financial aid in the 2010- Family • Sports (815) 942-3232 Checking account and you are 2011 school year. www.morrisbl.com automatically entered to WIN a55inch A workshop will be held at the Morris Education Pediatrics &Pregnancy 3D, LED, HDTV or other fabulous prizes! Center, Room M101, on Monday, March 4 from 4-6 p.m. Dr.Sean F. Gibbs, DC Workshops will also be held at the JJC Main Campus, Switching isn’t hard when you use C-Building 2014-2017, on Feb. 27 from 4:30-6:30 p.m. and Dr.Christa Velos, DC, DICCP on March 20 from 5-7 p.m.; at the City Center Campus, our EZ-Switch Kit! Room 207, on March 6 from 1-3 p.m.; at the Romeoville 260 S. Main St., Seneca Contact Brian Evans today! Campus, Room 77, on March 12 from 4-6 p.m.; and at *Annual percentage yield are subject to change and are accurate as of January2,2013. **a minimum of $100 is required to open aWOW Checking account. To receive stated annual percentage yield and up to $10 in ATMwithdrawal fee refunds nationwide, you must meet the the Frankfort Education Center, Room 157, on March 14 (815)357-6858 following qualifications each monthlystatement cycle: 1. Make 15 signature-based (non-PIN) point of sale (POS) purchases thatpost to your account during the monthlystatement cycle with your MBL MasterCard Check Card,. 2. Receive aminimum of one direct deposit to your account from 5-7 p.m. www.RiversideChiro.com during the monthlystatement cycle. If these qualifications are met during the monthlystatement cycle and your dailybalance is $15,000 or less, the interest rate of 2.47% with an APY of 2.50% will apply. An interest rate of .05% will be paid onlyfor thatportion of your dailybalance Contact Julie Allsopp by email at [email protected] or by thatisgreater than $15,000.00. The APY foraccounts with abalance greater than $15,000 will range from 2.50% to .05%, depending on phone at (815) 280-6620 for more information about the the balance in the account. If you do not meet the qualifications during the monthlystatement cycle, your account will still function as abasic checking account with an interest rate of .05% and an APY of .05% on all balances and you will not receive ATMrefunds forthatstatement workshops. Visit www.jjc.edu/info/financialaid for more cycle. Fees mayreduce earnings. Qualifying transactions must post and clear to the account during the monthlystatement cycle. Contest ends at the close of business on 6/30/2013. No purchase or account necessarytoenter or win. Limit one entryper household. 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Vicki Geiger Tana Not only is this a prime location but it also reinforces to both Managing Nordaker our community and its visitors that we are experiencing Broker/Owner Broker/Owner growth and success in Grundy County.What a great message 815-228-6843 815-441-3086 to send in todays economy! Sue Ader...... 815-931-0309 Sue Ansell...... 815-545-0180 McArdle Gloria Durkee...... 815-210-1077 Top Grain Commodities &Insurance Meghan Foley...... 815-482-9442 JoAnne Gretencord...... 815-252-3900 Phil Howell...... 815-228-4883 Properties Phil &Karen McArdle Sheila Jackson...... 815-481-1709 Jim Ludes...... 815-712-7786 Contact us at: (815) 584-2155 •[email protected] Karen Marsaglia...... 815-955-2890 -0- )4./3$* % 6833'15 "7 % #-&2!(,2--++ Kim Puckett...... 630-518-8117 Visit us at: 9080 S. StateRt. 47,Dwight •www.macfutures.com Rachel Wolf...... 815-791-4323 www.GetTopProperties.com Dollars & sense 5D Morris Daily Herald Special Section — Thursday, February 21, 2013

Iwas almost losing my mind. I didn’t know what I was going to do. It was absolutely a hardship. USDA releases new Jenny Alonzo Special education teacher who had a $30,000 student loan balance corn, bean figures

bushels ayear earlier. With Good: Prices will prospects for a much larger A bulletin board in the Career corn harvest in Argentina Center at Minooka Community“”be influenced by and another large crop in High School offers information correlation between Brazil this year, there is on local scholarship opportu- some chance that exports nities as well as resources to projections, reality will fall short of the current help students find additional projection,” Good said. scholarships online. The USDA projects that 4.5 billion bushels of corn Corn, will be processed into etha- Soybean nol and byproducts dur- ing the current marketing Estimates year, unchanged from the January projection and Dollars 10.2 percent less than was & Sense processed during the pre- vious year, Good reported. During the first five months 2013 of the year, ethanol produc- tion was about 12 percent URBANA — The USDA less than during the same released new projections for period last year. Production marketing-year consump- during the four weeks that tion of United States corn ended Feb. 1, however, was and soybeans on Feb. 8. 16.5 percent less than during According to University of the same period last year. Illinois agricultural econo- Production during the final mist Darrel Good, prices seven months of the market- will now be at least partially ing year needs to be only influenced by how closely about 8.5 percent less than the rate of consumption during the same period last tracks these projections. year to reach the USDA pro- “For corn, the projection jection of corn use. of marketing-year exports “Favorable blending mar- was reduced by 50 million gins, prospects for a slow- bushels to a 41-year low of down in imports of Brazilian 900 million bushels,” Good ethanol, and some improve- said. rate. They are also subsidized, mean- of almost $30,000. Plus, graduating ment in ethanol production “Through the first 23 ing the government pays the interest in December, she had no immediate margins suggest that the College weeksofthe marketing on the loan for the time the student is teaching job offers. pace of ethanol production year, export inspections Continued from Page 1D in college. “I was almost losing my mind,” she will increase enough to at totaled 327 million bushels. The Allison Rivera Memorial Private loans are offered by banks, said. “I didn’t know what Iwas going least reach the USDA pro- The Census Bureau export Scholarship, which honors astudent and for the most part, the interest to do. It was absolutely a hardship.” jection of corn use,” Good estimate for the first four who passed away two years ago, gives rates are variable and are more expen- She did say the staff at the loan said. months of the year was 14 college funding to a student who has sive. office was very good at working with Feed and residual use million bushels larger than apassion for ascience or acreative Morris resident and special educa- her to help her meet her payment obli- of corn during the current the inspections estimate. writing major, as Allison herself did. tion teacher Jenny Alonzo took out gations. Looking back, she said there marketing year is project- Assuming that margin per- The high school also has nation- student loans for the last two years are things she would have done differ- ed at 4.45 billion bushels, sists, exports during the al scholarship applications avail- of her college education at Northern ently, knowing what she knows now. unchanged from the January remainder of the year need able, such as the Exelon Nuclear Illinois University. The first two years, “I would have made better grades projection and only about to total 559 million bushels, Scholarship, which awards $1,000 for she attended Joliet Junior College and in high school so I would have got- 100 million less than was or an average of 19.1 million students who plan to pursue a techni- received enough financial aid to make ten more scholarships,” she said. “It’s used last year. bushels per week, to reach cal science or engineering major. it through with loans. really important. They’re putting such “Due to the early harvest the USDA projection. The Other scholarship sites Schoolman When she transferred to NIU, she an emphasis on G.P.A.s today.” of the 2012 crop, use was average pace to date is 14.9 recommends are www.fastweb.com, found that even though she was living Alonzo has advice for high school likely understated for the million. As of Jan. 31, only www.cappex.com, and www.stu- on her own and raising achild, her seniors. final quarter of the 2011-12 218 million bushels had been dentscholarships.org. eligibility for financial aid was still “Look into all of your options,” she marketing year and over- sold for export but not yet Joliet Junior College also offers determined by her mother’s salary. said. stated for the first quarter of shipped, compared to out- some very good scholarships,she “I couldn’t get alot of aid,” she “Don’t think you know about all the 2012-13 marketing year,” standing sales of 351 million added. said. of the options. Apply for as many Good said. There are also student loans. Federal She did receive ascholarship, but scholarships as you can. Even if a student loans are offered by the gov- it wasn’t enough. By the time she scholarship is only $200, that buys you ernment and have a fixed interest graduated, Alonzo had a loan balance a book.”

tions and get back on their student loans and federal 18 percent in recent years), Acts feet.” student loans. Federal stu- hefty origination fees and The Know Before You dent loans have fixed inter- few, if any, consumer protec- Continued from Page 2D OweAct of 2013 would est rates and offer an array tions. Private student loans “Private student loans require schools to counsel of consumer protections are ineligible for federal shouldbetreatedthesameas students before they sign on and favorable terms, includ- forgiveness, cancellation or other private debt in bank- to expensive, even unneces- ing deferment and forbear- repayment programs. ruptcy proceedings. This sary, private student loan ance in times of economic There are very few types legislation would restore debt and inform them if they hardship, as well as man- of debts that the bankrupt- limited bankruptcy protec- have any untapped federal ageable repayment options, cy law subjects to a differ- tion and send an important student aid eligibility. It such as the Income-Based ent standard, allowing for message to lenders and would also require the pro- Repayment and Public discharge in only the most students that they need to spective borrower’s school Service Loan Forgiveness extreme circumstances. For be responsible,” said Reed. to confirm the student’s programs. example, the bankruptcy “Getting ahigher education enrollment status, cost of In contrast, private stu- code makes it especially dif- is essential today and I will attendance and estimated dent loans involve only pri- ficult for people to discharge “Vital Signs of continue working to help federal financial aid assis- vate profit and often resem- child support responsi- make college more afford- tance before the private stu- ble credit cards rather than bilities, overdue taxes, and able. This bill will give dent loan is approved. financial aid with uncapped criminal fines. Privately student borrowers who are There are several stark variable interest rates issued student loans should GrundyCounty” struggling more options to differences between private (which spiked as high as not be on that list. meet their financial obliga- •How does our county compare to www.MSAsoccer.org our neighbors? Register today to play in the •How have we done overtime? SPRING SOCCER SEASON Play recreational •How are we doing in eachofthese SOCCER 10 topic areas? (ages 4-18) with What’s your plan? MORRIS SOCCER ASSOCIATION You’ve heard the old saying: “Nobody Get your copyexclusively at plans to fail, they just fail to plan.” Don’t let the lack of aplan stop you from cfgrundycounty.com Spring Soccer Leagues achieving your financial goals. We’re here Filling Up Fast! to help with atangible plan for your 102 Liberty Street, Morris financial security including auto, home, life insurance and investments. Call me or 815-941-0852 Spring Break Soccer Camp today and we’ll get started. and Summer Camps Terri TheCommunity Foundation of Grundy Coming Up! Gilmoure 815-942-9266Morris County improves the quality of life in Visit Our Website For MoreInformation: terri.gilmoure@ www.MSAsoccer.org countryfinancial.com Grundy County through leadership and philanthropy.

Investment management, retirement, trust,and planningservices provided by COUNTRYTrust Bank® (800) 422-8261.Securities products are offered through COUNTRY® Capital ManagementCompany, Bloomington, IL 61702-2222, Member FINRA/SIPC. 012013-01422AC 6D Dollars & sense Morris Daily Herald Special Section — Thursday, February 21, 2013

group, please be sure to contact us at (815) Vital Signs 941-0852 or [email protected]. Channahon and Minooka have lowered fees for Also, we welcome donors and the public developers and relaxed some regulations to try Continued from Page 3D to be thinking about the 10 topic areas, and encourage growth, like the under-construction The Foundation also plans to address the which ones are important to you, and Mallard Point Apartments. “education” topic in Vital Signs by host- whether you can make a difference through ing another “Challenges of the Future” philanthropy. The Foundation offers vari- public forum. We have been working ous donor-designed funds to help donors with Advance Illinois and will be invit- meet their charitable goals. Maybe one of ing them to bring a panel of experts to these 10 topic areas is a passion — how can Grundy County to help parents understand we help you design your charitable giving “Common Core Standards” and how it will to make a difference? affect our students’ learning, grades, and ——— futures. A date for this event is expected to Julie Buck is the Executive Director of the be announced soon. Community Foundation of Grundy County. Other groups will be convened through- She can be reached at (815) 941-0852 or julie@ out the year to discuss Vital Signs. If you cfgrundycounty.com. The office is at 102 want to be included in a particular focus Liberty Street, Morris, IL 60450.

FAFSA Michelle Schoolman, the Continued from Page 4D Career Center Coordinator • Know what schools you at Minooka Community want to have copies of the High School, assists Emma FAFSA information. There Werden, ajunior, on the is a place on the form to list FAFSA website. those colleges. •After you fill out the report, look it over to make sure all the information is Revenue Channahon and Minooka are seeking a Federal grant accurate. Also look over Continued from Page 2D for a feasability study on sharing the cost of utilities at the report you receive back As housing starts slowed the Brisbin Road/U.S. 6 interchange with Interstate 80. after filing the FAFSA to to a near halt, developers make sure that information were the ones who needed is accurate. If not, change it. help. • If your income situation “The Builders’ changes after you file the Association approached FAFSA, contact the finan- the villages to reduce the cial aid office of the college. costs of building permits,” They may be able to help. said Channahon Director of • Attend a JJC workshop Community Development when you fill out the FAFSA Mike McMahon. “They if you wish, and bring your wanted some relief to spur W-2s and tax forms with building.” you. Although the IRS Data In response, the village Download is the best way of Channahon reduced its to get tax information onto fire impact fee and suspend- the FAFSA, there are some ed the school facilities fee land for future schools.” Morris and the west side in applicants who will not be through November of 2013. Adistrict like Minooka Minooka. able to do the download, The village of Minooka Grade School, which has “We all have amutual such as if a parent is mar- reduced its sewer and water buildings in multiple towns, interest in seeing that road ried and filing separately. tap on fees for developers has to work closely with properly planned and devel- Other suggestions made in • All dollar figures should accountant before filing and eliminated the school many different entities. oped,” Duffy said. “It’s a way “Paying for College without be in whole dollar amounts, taxes in a FAFSA year. It facilities fee. “We have been work- we are working together in going Broke,” include: no cents. may be most advantageous Minooka also created a ing withthe villages of these times of limited dol- •Practice filling out • Males age 18 and older to file a 1040A or 1040 EZ. matching grant economic Minooka, Channahon and lars and declining EAV.” aworksheet copy of the must register for the Sources include “Paying stimulus program with Shorewood and the City of Both Minooka and FAFSA before inputting Selective Service to be eli- for College without going developers that provides a Joliet,” Gegenheimer said. Channahon have corridors responses online. gible for FAFSA service. Broke,” by Kalman A. rebate to new home build- “I have a very close rela- they want to develop for •Check with your tax Chany. ers at occupancy. The pro- tionship with all of them. commercial businesses — gram has been so successful They listen to us and they Channahon at Interstate it’s been renewed twice. support us. We appreciate 55 and U.S. Route 6and “We have had 30 home that.” Minooka at Ridge Road and permits per year and about Municipalities are find- Interstate 55. More busi- 90 percent take advantage “Our families ing ways to join forces nesses will mean more jobs of the stimulus program,” with each other on several for residents, more sales said Minooka Village fronts. and property tax revenue Administrator Dan Duffy. Channahon and Minooka for the villages, and possi- have said it best...” Both villages agreed to are working together on a bly less of a bite out of resi- lower the value of an acre of Federal grant to perform a dential property taxes. land from $75,000 to $45,000, feasibility study on shar- To that end, Minooka has Tom and Sheryl, which in turn reduced the ing the cost of utilities at created custom sales tax “I would heartily cost of the school and park Thank you for the newly opened Brisbin incentive program for com- site fee, a plus for develop- recommend Davis’s to Road and U.S. Route 6 inter- mercial businesses. everything you did for ers and home builders. change. The two villages While Channahon doesn’t anyone. They were very Minooka Grade School our family. It made a have jointly hired a grant have a specific policy, said efficient and tended to Superintendent Al writer for the project. McMahon, the Mayor and very difficult time go Gegenheimer said all the The villages are pool- the village board have our every need.” impact fees the district has smooth. ing resources so they always had programs on received since 2000 total don’t duplicate services, the table to entice commer- $5.7 million. McMahon said. cial and industrial develop- During the same period, “There could be acost ment. Dear Tom, the school district grew by savings for both villages The key to accomplishing about 3,000 students and “Don’t change athing. Thank you so much while providing much- a working relationship that had to build four schools. needed sewer and water benefits everyone is good The personal attention for everything you did... While municipalities to the Brisbin Road area,” communication. are providingsome relief paid by Tom and his We really felt your said McMahon. “It’s important that we to developers, certain fees At the same time, all keep in touch and know staff could not have personal touch in every have to remain intact. Minooka and Morris have what’s going on,” said “We are not going to touch been better.” detail. You are avery teamed up to study ways Duffy. “If you don’t have the school and park site to extend Brisbin Road (good communication) you caring person impact fee,” Duffy said. “A north of Interstate 80. The are not going to be very suc- portion goes toward buying east side is in the City of cessful.” To Tom and Staff, “U.C. Davis is totally Thank you for being dedicated to everyone like family to me and at all times. Ihave the everyone Ilove. Iwill utmost respect for never forget all you did Tom Dzuryak and staff” for me

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