dr. daisy brooks

JANUARY 2018First Edition

Volume 22 Issue 1

Free

The Heart & Soulof Chicago TM

Celebrating21 Years of Service to the Community

See story on page 14

President Obama’s Citizen Medal of Honor RecipientCelebrated with Surprise 80th Birthday Party

Dr. Daisy BrooksDr. Wadell Brooks, Sr., Dr. Daisy Brooks, Genola Gaddis, Chassity Brooks, Wadell Brooks, Jr.,

Pamela Brooks, Yolanda Brooks, CasSandra Brooks and Edward Bates.

8 4 7 - 4 7 3 - 5 5 0 1

Chicago People’s Voice January 2018

Chicago Peoples Voice PO Box 1038 • Waukegan, Illinois 60079

ChicagoPeoplesVoice.comLake County, Illinois EditionE-mail: [email protected]

Chicago Peoples Voice The Heart & Soul of Chicago tm

For many, 2017 was a prosperous year.It was for me, simply for the fact that I amalive, well and can tell the story of “how Igot over”. For many it was a trying year.We had floods, hurricanes, earthquakes,botched elections, and every type of trou-ble on all sides. Some of our most belovedpersonalities passed or had their reputa-tions tarnished over none sense. But as Ireview the course of the years, it hap-pens…every year. But what about thegood. What about the successes.

ere is concept found in Philippians4:8 that reads, “Finally, brethren, whatso-ever things are true, whatsoever things arehonest, whatsoever things are just, whatso-ever things are pure, whatsoever things arelovely, whatsoever things are of good re-port; if there be any virtue, and if there beany praise, think on these things.”

And I tried it. I tried to count my bless-ings. I started with the small ones…likedo I have food to eat. Do I have clothesto wear. en I moved on to bigger things.Do I have a car to drive and gas to put init. Do I have money in the bank…well Istumbled over that one…not as muchmoney as I would like…but there wasmoney there.

I thought about my family. Someof them I didn’t want to thinkabout…but as I thought about eventhe ones that have quirks…I began tothank God for them too. It is nice tohave family and it is indeed a blessing.I thought about my grandchildren andthe verse in the bible that says,“blessed is the man that has his quiverfull”.

I thought about my friends. Someof them aren’t as close as I would likefor them to be, and often I don’t getto spend the time with them that Iwould like. But I am blessed to havefriends.

I thought about my work. I am notrich and famous, yet. But I enjoy what

I do, and that is a blessing for manypeople hate what they do and dragthrough it. I love it, partly because Ilove people and I love serving people.

And finally, I thought about my com-munity. ings has changed since I was achild growing up in rural Arkansas. I re-member the old folks talking way backthen about the ole days, and how theworld was changing. And I am sure thattheir folks did the same thing. Some peo-ple want to live in the past. It is good toreflect, but at some point we all need toturn the page and appreciate what we havetoday.

I was watching television the other dayand they made a statement about technol-ogy. e statement was that the averageteenager walks around with ten times thecomputing power in their hands in theform of a smart phone, than that whichwas available to NASA when they put aman on the moon back on July 20, 1969.

As I get older, I am learning to appreci-ate the past, relish the present, and lookforward to and embrace the future as itcomes. And if there be any virtue….Ithink that I am going to think on thosethings. Happy New Year!!!!

the Best is Yet to Come

The E.Reed Report

Happy New Year!!!!

January 2018 Chicago People’s Voice

THE NATIONAL ASSOCIATION OF UNIVERSITY WOMEN

PRESENTS THE

ANNUAL SALUTE TOAFRICAN AMERICAN

EDUCATORS’ LUNCHEON

“Education – Lifting the Veil of Ignorance”

Saturday, February 17, 2018FeaturingMarshall Washington-Cabiness Abuwi

The senior great-grandson of Booker T. Washington, founder of the

Tuskegee Institute

Visitation of Vendor Booths 11:00 AMLuncheon and Speaker 12 Noon to 2:00 PM

TICKETS $60.00For tickets or information please call:

J eane t t e Keyes ( 847 ) 421 - 1956D r. J ean Swopes ( 847 ) 360 - 1054

Illinois Beach Resort & Conference Center1 Lake Front Dr.Zion, IL 60099


34TH ANNUAL SALUTE TO GOSPEL MUSICPresented by College of Lake County Lakeshore Campus

Saturday, February 24 at 7 p.m.Genesee Theatre, Waukegan

Featuring John P. Kee and the New Life Community Choir

www.clcillinois.edu/tickets

(847) 543-2300

You Send Me...The 2018 Most InfluentialAfrican Americans ofLake County AwardsSunday, February 25, 2018

Save the Date & ParticipateFor more information you may callJeanette Keyes, Event Chairperson

847-421-1956


Apply online at www.waukeganparks.org/employment

*In order to be hired at the Waukegan Park District, individuals must pass a preemployment drug and alcohol screening and a background check. The Waukegan Park District is an Equal Opportunity Employer and does not discriminate against any individual on the basis of race, sex, creed, religion, marital or parental status, age, sexual orientation, national origin, political a�liation, mental and/or physical handicap or any other characteristics protected by law.

GREATJOBSAVAILABLE

For golf course or banquet jobs, contact Golf Visions Management, Inc. at http://www.waukegangolf.org/employment/For lifeguard jobs, contact Je� Ellis Management at https://je�ellismanagement.com/jobs/apply-nowFor golf course or banquet jobs, contact Golf Visions Management, Inc. at http://www.waukegangolf.org/employment/For lifeguard jobs, contact Je� Ellis Management at https://je�ellismanagement.com/jobs/apply-now

Now Hiring: Full Time, Part Time & Seasonal Staff!

For more information, contactMike Mayfield at 847-360-4710 or

[email protected]

On-site interviews for:• Parks Maintenance• Summer Camps• Lifeguards• Swim Instructors• Front Desk• Recreation• Custodial

Nowis the

Best Timeto Apply for

SummerJobs!

January 4, 201811am-7pm

March 29, 201811am-7pmThe Field House

Sports Fitness & Aquatics Center800 Baldwin Avenue

Pre-register for $15 atBelvidere Recreation Center, Field House, Jack Benny Center

or online www.waukeganparks.org ends December 29 at 4pmProgram #10101402-1A

Call 847-360-4700 for more information

Receive an Event T-shirtJanuary 1, 2018 • 10am-11am

$20 Day of Event Registration Starts at 9am

Waukegan Beach201 Seahorse Drive • Waukegan, IL

Here’s a ReasonFor Freezin’!

Become a Pledge PlungerRegister with a Minimum of

$50 by December 13 toReceive a Limited-Edition

Hooded SweatshirtProgram #10101402-1B

19thAnnual

Proceeds Benefit

e College of Lake CountyBoard of Trustees unanimouslyapproved a three-year contractfor Dr. Lori Suddick, who willbecome the college’s seventhpresident. e trustees took theaction at their Dec. 19 meeting,approving a $260,000 annualsalary plus benefits; the contractruns from May 1, 2018 throughJune 30, 2021. Since 2009, Dr.Suddick has served as vice presi-dent of learning and chief aca-demic officer for NortheastWisconsin Technical College inGreen Bay, Wis.

Dr. Suddick has 18 years ofexperience working in two-yearcollege leadership and faculty

roles. She has presented at thenational and state level on mul-tiple topics including studentsuccess, integrated advising, sys-temic engagement of faculty,K12 partnerships, flexible adultlearning and alignment of cre-dentials with the labor marketneeds. Dr. Suddick was one of40 exceptional leaders selectedto the 2016-2017 inauguralAspen Presidential Fellowshipfor Community College Excel-lence. She earned her Ed.D.from the University of Wiscon-sin Stout, as well as an M.A. anda B.S. in speech and languagepathology from Eastern Michi-gan University.

College of Lake County names new President,

Dr. Lori M. Suddick

Dr. Lori M. Suddick


If you’ve been on the fenceabout buying a home vs.renting, you’ve come to theright place. Start the newyear off with a plan to be-come a homeowner. Hereare a few reasons why youshould buy a home in 2018:

1. Housing Inventory islimited! A few years ago,there were tons of homes onthe market and no buyers,but the tables have turned.Now there are 10 buyers to 1home, so negotiations arefierce! If you see a home youlove and can afford jump onit because it won’t last long!

2. Values are increasing! Asthe economy improves homevalues increase, so the homethat was priced right for youin the winter time will costyou a few thousand more inthe summer months.

3. Interest rates won’t below forever! Mortgage ratesare scheduled to increase atleast 3 times in 2018. ey’repredicting the 30-year inter-est rates may reach 5% bythe end of 2018.

4. Why rent when you canstart building equity! If

you’re a renter the only re-turn you receive at the end ofyour lease is your security de-posit. If you purchase ahome in 2018 you will startbuilding equity in yourhome within a years’ time!Buying a home is like put-ting money in the bank! If you’re ready to become ahomeowner, call me to getpre-qualified today. We willwalk you through the loanprocess from contract to clos-ing! It’s not if you can buy ahome….but when!

Tammy Moore is DivisionPresident at Diamond ResidentialMortgage, A motivational speakerand Credit and Financial Coach.In her spare time, she is theBudget Conscious Fashionista,where she teaches Style $ense:How style you outfit on a budget!

Visit her websitehttps://www.tammypmoore.com/iteach-style-sense.html for fashiontips and a look book of outfits.

Tammy Moore

4reasons tobuy a Home

In 2018

Tammy’sTidbits

Next ShowJanuary 7,2018


LOCKHART-WHITE REPORTJanuary 2018

The

A communique of the Community Action Partnership of Lake County

It still isn’t easy being poor. Askthe mayors who have been receiv-ing low-income residents fleeing

urban areas for a better life in the sub-urbs for over a decade now. Socialservice agencies have seen an exponen-tial increase in requests for assistance ata time when state and federal govern-ment funding has been slashed. Low-income residents know that it’s betterto be poor in the suburbs where thereare some relative benefits for strugglingfamilies. e suburbs compared withinner cities sometimes offer betterschools, greater socioeconomic diver-sity, safer streets and, if there are jobsnearby, shorter commutes.

e Fair Housing Act of 1968, theintroduction of Section 8 housingvouchers in the 1980s, and the demo-lition of distressed public housing inthe 1990s were all part of a benign ef-fort to deconcentrate poverty and opensuburbia to low-income households,especially members of minority groups,who had been excluded for genera-tions.

At the door of Community ActionPartnership of Lake County(CAPOLC) we witnessed the firsttrickle of urban migrants fromChicago, over a decade ago, thatquickly became a tsunami of poor peo-ple seeking a better life in LakeCounty. With the endless migrationfrom Chicago and the constant searchfor employment, there was a more des-perate need for better services to fami-lies.

e pain of being poor is extremeand hurtful especially when it has anegative impact on your children andfamily. Poor children and teens are alsomore likely to struggle academically,drop out of school, and suffer fromabuse, neglect, behavioral emotionalproblems, physical health issues anddevelopmental delays.

e un-employ -ment ratefor ages16-24 is1 9 . 6 3 %comparedto an un-employ -ment ratefor ages25-65 of5 . 6 3 % .Barriers to employment opportunitiesin a County with this much wealth in-clude: 5,446 youth 18-24 with nodiploma and an under 18 years of ageadmission rate of 580 youth per yearto juvenile detention.

e 2017 Children’s HealthWatchresearch shows that many families areexperiencing economic stress, resultingin multiple economic hardships.Other Children’s HealthWatch reportsshow stable housing is the essentialfoundation for children’s health anddevelopment.

At Community Action Partner-ship of Lake County (CAPOLC),we know housing in combinationwith other supports, like nutritionand energy security have the mosteffective impact on very young chil-dren and their families. is is whyCAPOLC continues to providingfamilies with streamlined access tothe most effective combination ofbenefits.

Head Start, LIHEAP, Homeweatherization, and access tohealthy food are keys to ensuringthat children living in low-incomehouseholds will have a chance at asuccessful, stable tomorrow.

Visit our website atwww.caplakecounty.org to learnabout Community Action Partner-ship of Lake County programs andservices.

Mary Lockhart-White

Executive Director

T

It STILL isn’t easy being poor


By Ginny Skweres

Police car lights flashed andfire engines horns blared as ashort parade traveled fromMary's Mission in Waukeganto the Lake County Sheriff'sOffice last Saturday. is iswhere the hard work of goodpeople brought joy to chil-dren.

For the tenth year Dr. MaryLacey, who heads up the mis-sion, worked with the Sher-iff's Office and the U.S.Marines Corp's Toys for Totsprogram, to give toys to thechildren of those who are in-carcerated in the LakeCounty Jail. Even though sheis 80 years old and recently released from the hospital, she didn't let that slowher down.

Santa Claus rode in the parade and stayed to to listen to the wishes of chil-dren. e faces of the children lit up when he arrived and they escorted himto the building while singing Jingle Bells.

Children and parents were given a number as they lined up outside. eyprovided a list of their children andtheir ages. e boxes and boxes of toyswere arranged according to age forboys or girls. Wonderful helpers filledbags with appropriate gifts for eachfamily. It took awhile but everyoneleft with a bag of toys, a turkey orham, and some fruit. Children weregiven candy and the excitement washard to contain.

Many community leaders were onhand to celebrate. Some took part inthe parade and others waited at theSheriff's Office. All were appreciativeof the effort that had been put intothe event that reflected thespirit ofChristmas. Leaders included SheriffMark Curran, Chief Jennifer Wither-spoon, Chief Jonathan Pertrillo, LakeCounty State's Attorney Michael Ner-heim, Lake County Coroner Dr.Howard Cooper, Lake County Board

President Aaron Lawlor,Rep. Rita Mayfield, LakeCounty Clerk ErinCartwright and Mayors SamCunnhingham and LeonRockingham Jr.

According to the MarineCorp, the toys for the pro-gram had been donated fromthroughout Lake County,and they majority of themwere being given to childrenin Waukegan, Zion andNorth Chicago. In additionto the Toys for Tots program,Waukegan Mayor Sam Cun-ningham reminded everyonethat the Marines are 'fightingfor our freedom to do whatwe do.'

Parents are grateful for theprogram. One woman from Zion said the program is very important to herchildren. "I'm raising my granddaughter and two nieces and they wouldn'thave a Christmas without Toys for Tots."

Another Zion parent said the program is very important and very helpful."We don't have anything so I'm very grateful," she said.

Mary's Mission brings a parade of joy

Area dignitaries attend Mary Lacey’s Tots for Tots Parade

Regional Office of EducationRoycealee J. WoodRegional Superintendent of Schools

800 Lancer Lane Suite E-128Grayslake, Illinois 60030-2656Phone 847-543-7833 Direct Line 847-543-7491Fax 847-543-7832E-mail [email protected]

847-665-0595


Michelle Obleton

Soaring on Broken

W I N G SMerry Christmas and

Happy New Year!!!

ake this an exceptional Holiday season by showing grace, andmercy to those around you this year. Don’t limit your mercyand kindness to those that you know who are easy to bless,

step out also in the “rotten zone”. e rotten zone inhabits people whomay have stinking thinking. People who have made bad choices in life.People who are trying to get it together, but for some reason they justfall short. People like me and many others on the planet.

e Bible is filled with these individuals and each one was shownmercy. We can learn a lot from them.

•Sarah laughed at God’s promise.•Moses killed a man and tried to cover it and him up.•Jacob made a lifestyle out of cheating people, even his own brother.•Samson seemed willing to blab the solemn secret of his strength toany pretty woman who came along.•David stole another man’s wife, and then had that man killed. •Jonah tried to run away instead of taking God’s word to people hehated.•Peter openly denied his Lord with vows and curses.•John Mark quit the Apostle Paul’s missionary team and went homeleaving Paul feeling deserted.

And these are just a few of the rotten people whose stories are toldin the Bible. Some people did even worse things than those listed above.Do you know how God responded to those rotten people who did allthose rotten things? He could have kicked them out of the Bible, saying,“Just for that, I’m taking your story out of the Bible.” He could havetold them to pack their bags and head for jail without passing “Go” anddefinitely not collecting two hundred dollars. He could have totallyvaporized them if he wanted to.

But God didn’t do any of those things. Instead, he went ahead andgave Sarah the son he had promised her. She named her son Isaac, whichmeans “laughter.” He crowned Moses with strength and great leadershipto lead his people into the promise land. He created an entire nationout of Jacob’s sons after he renamed him Israel. He forgave David. Herestored Peter, He gave John Mark and Jonah a second chance.

God did all these things because He is merciful. God showed hismercy to all the rotten people in the Bible. And he shows his mercy toall kinds of rotten people even today. So during this Christmas Seasonremember to show mercy and some kindness to those who may not beon your top ten list. Who knows inadvertently you may be bringing ablessing to yourself.

Noel / Michelle

M


New and Exciting Things are Happening at Lions Math & Science

Christian Academy• DCFS License now includes infants and toddlers• Student expansion includes six-week old though 6th grade• Now offering Spanish as part of the curriculum

• Introducing the extracurricular activity of Praise Dancing• The strong legacy of a quality STEM school with a

Christian focus continues, now in our 18th Year.Founded by the award winning scientist and

humanitarian, Dr. Gloria Jean Swopes.

For more details, or enrollment call or come by1011 Porter Street Waukegan, IL 60085

847-360-1054Visit online at www.lionsacademy.org

First Day of School is Monday, August 28, 2017Fall Registration is Now Open

We Like It Here!!!

Call today &Jumpstart

a great experiencefor your child.

EldersBro. Allan MalloryBro. Clemmie Hall

DeaconsBro. Brian IsomBro. Marvin McBrideBro. Daniel McNeal

Bro. Terry V. AtwaterMinister~Departments of Service~

Spiritual Education Department – All AgesDirector: Bro. Clemmie Hall Secretary – Sis. Kaamilya Rashid

Evangelism Department – Bible Correspondence Course AvailableDirector: Bro. Lenell Clay Secretary – Sis. Elizabeth A. Lynom

Youth Department – Training Thursday 7:00 PMDirector: Bro. Marvin McBride Asst. & Secretary – Sis Janina Hall

Administration Department – Director: Bro. Allan MalloryChurch Office: - Sis. Doris McNeal & Sis. Sandra Atwater

Monday – Saturday 9:00 AM – 2:00 PMLadies Bible Class & Men’s Leadership Training

2nd, 4th and 5th Sunday – 4:45 PM

~Worship Services~Sunday Bible Study (All Ages) 9:30 AM

Sunday AM Worship 10:45 AMSunday Evening Worship 6:00 PM

Mid-Week Bible StudyWednesday – 7:00 PM Thursday – 9:15 AM

Friday 7:00 PM~Community Services~Substance Abuse Programs

Sunday, Tuesday, Friday & Saturday – 7:00 PMFood for Body & Soul – 11:00 AM – 1:00 PM

Every Saturday


Pictured: (seated) Tammy Moore, Martha Carey, (standing) James Harris, ChristopherCalhoun, Angel Bracero, Chris Amos, and Oscar Dupuy-Dean of Students.

Barbers Give Free HairCuts for Christmas

Students at Miguel Juarez Middle School in Waukeganhad a surprise and unusual treat for Christmas, free hair cutsfor whoever wanted them. Community leaders James Harris,American Realty Network, Inc., and Tammy Moore, of Di-amond Residential Mortgage, organized the event.

Tammy Moore provided winter hats and gloves, and JamesHarris provided Holiday Gifts. Barbers were Chris Amosand Christopher Calhoun of Barbershop VIP in Waukegan.

e idea was that ofAngel Bracero, an em-ployee at Miguel JuarezMiddle School.

“It is going to be anannual event,” saysJames Harris, who facil-itatied getting the bar-bers and worked withthe school to ensurethat students receivedfree cuts.


One Week’s Tuition When You Register By January 1

NORTH CHICAGO, Ill. (Dec. 15, 2017) —e City of North Chicago recently received aprestigious innovation award from the LakeCounty Municipal League. is award acknowl-edges municipalities that developed strategic pro-grams to solve municipal challenges and increasethe effectiveness of local government. NorthChicago’s neighborhood revitalization and blightbusting program was recognized.

It is an honor to receive this award for ourprogram that deals with vacant and blightedproperties,” said Mayor Rockingham. “Everyderelict building had its own unique issues andwe worked strategically to either demolish theproperties or put them into productive use.”

North Chicago’s program surveyed everyproperty in the city. en, the identification of“Action Properties” was completed starting withthose that posed the greatest health and safetyrisk to the community. “Action Properties” wereinitially put into various tracks: (1) Owner to re-pair and get the property into productive use; (2)

Owner to demolish; (3) Abandonment deed -demolition; and (4) Fast-track demolition.

e city demolished 19 properties in 2017.Four properties were voluntarily demolished bytheir owners. Another ten were put into produc-tive use by working with the owners and craftingan improvement schedule.

roughout the process the city engaged in a“radical transparency” effort where an externalinteractive mapping tool was designed to allowthe public to view the demolition pipeline andbefore and after photos. is turned into its ownmicrosite: www.NorthChicagoProgress.org.

“Revitalization of vacant and blighted proper-ties are an important component to furtheringneighborhood development and increasing prop-erty values in the city,” said Alderman Kathy Jan-uary, Chairperson of the Building Committee.“We are proud to be recognized for our efforts bywinning this prestigious award from the LakeCounty Municipal League.”

City of North Chicago wins prestigious innovation award Efforts for neighborhood revitalization recognized by the Lake County Municipal League

Mayor Leon Rockingham, Jr.Accepts Award.


Soulful SundaysBible Study / Sunday School

9:00 am - 10:00 am

Hour of Power Worship

From 10:30 am - Noon

Meeting at Hampton Inn550 Grand Avenue, Gurnee

PO Box 1802Gurnee, IL 60031

847-770-5157Find us on Facebook

[email protected]

North ShoreFAITH COMMUNITY CHURCH

Rev. Rosemarie Green, Senior Pastor


State Representative Rita Mayfield, Dr. Daisy Brooks, Dr. Princella Brady-Lee, Alderman Carl Evans, Mayor Sam Cunningham, AldermanBobby Allen, Alderman Torrance Markham, and Tara Thomas were some of the dignitaries present at the 80th Birthday Celebration.

Dr. Daisy Brooks celebrated her 80th Birth-day among family and friends at the Paris Ban-quet Hall in North Chicago on December 3,2017. More than 200 people gathered for thesurprise party to share tributes to one of themost celebrated icons in the community.

Dr. Daisy Brooks received the Citizen'sMedal, the second highest award of honor inthe nation, from President Barack Obama in2010 for her illustrious years of contributionsto the community. She began her business witha small day care, Tots and Toddlers Day CareCenter in North Chicago in 1973. By Septem-ber of 1975 the center has grown to a staff of21 with 150 preschoolers enrolled.

In February of 1989, the center was re-named, Daisy’s Resource and Development

Center and began serving adolescent girls be-tween the ages of 12-17 providing long andshort term care, emergency shelter, socializationand recreation, counseling, child care develop-ment raining and transportation. e centersoon became an on-site NCA accredited schoolin 1993 with a string of successes down throughthe years in aiding young women and men inneed of developmental support. She was fea-tured on the Oprah Winfrey show and pre-sented with a donation of $150,000. In 1996,she and her husband, Wadell, where presentedwith the Most Influential African Americans ofLake County Award as a couple. e awardfrom President Obama was a crowning achieve-ment for her life’s work.

Presidential Citizen Medal of Honor Award Winner, Dr. Daisy Brooks, Celebrates 80th Birthday

Dr. Daisy Brooks with Pastor Gearld and Janice Wilcoxon.


By Elroy Reed

e Reverend Jimmie J. Williams,Ph.D., Founder and Pastor of theHeavenly Places Tabernacle of Prayercelebrated his 79th Birthday on De-cember 16, 2017. Friends, family, andcommunity leaders gathered for a spe-cial service, held at the church, whichcommemorated 33 years of dedicatedservice.

e keynote message was deliveredby Elder Mark A. Jones Sr., Pastor ofthe Faith Tabernacle C.O.G.I.C.Church of Zion. Pastor Timothy Jones,Rehoboth C.O.G.I.C. served as themaster of ceremonies. Both of thesepastors had fond memories of Rev.

Williams who was a long-time Directorof the Southside YWCA.

During the event, the church historywas read which included informationabout how Rev. Williams acquired thechurch in December of 1984. Expres-sions were given by several individualsincluding State Representative RitaMayfield, and a stirring spoken workexpression by Rev. Brown. Other pas-tors and leaders present included Su-perintendent Robert Richards, FormerSchool Principal Harold Wade, Rev.Percy Johnson, Rev. Timothy Tate, anda host of church members, family andfriends.

Rev. Williams is a long-time residentof Zion, IL.

Rev. Jimmie J. Williams Celebrates 79th Birthday

Rev. Mark A. Jones, Pastor of Faith Tabernacle COGIC, of Zion keynotes

Rev. Jimmie J. Williams 79th Birthday Celebration

Mt. Zion Missionary BaptistChurch of Waukegan

409 Wainlow Avenue• Waukegan, IL 60085

847-244-5503Sunday:

Sunday School 9:30 a.m.Sunday Worship Service 11:00 a.m.Sunday Evening Service 7:00 p.m.

Wednesday:Mid-week Worship Study 7:00 p.m.

Jesus answered and said unto him, Verily, verily, I say unto thee, Except a man beborn again, he cannot see the kingdom of God. -John 3:3

Pastor: Rev. Arthur J. Gass Sr.

Church ScheduleChristian Education 10:00 a.m.Sunday Morning Worship 11:30 a.m.4th Sunday, Women's Ministry 11:30 A.m.

Tuesday Fast & Prayer 7:00 p.m. • Thurs.Bible Study 7:00 p.m.

Phone • 1-847-689-1955 : Fax: 1-847-689-2917

Living Waters Apostolic Pentecostal Church

2001 Seymour AvenueNorth Chicago, Illinois 60064-0559


By David A. Northern, Sr. Executive Director/CEOLake County Housing Authority

Lake County Housing Authority (LCHA) is one ofthe largest housing authorities in the state of Illinois andthe largest of three servicing the Lake County Commu-nity. LCHA provides numerous services related to:rental assistance, Low Rent and Public housing Oppor-tunities, housing & financial counseling, housing assis-tance, and supportive services. Families or individualsin our Housing Choice Voucher (Section 8) or PublicHousing programs pay at least 30% of their householdincome for rent. e difference is subsidized by the Fed-eral Department of Housing and Urban Development(HUD). In addition to the over 3,500 Housing ChoiceVouchers, and Public Housing residents that the organ-ization services, LCHA also supports over 13,000 familiesof Lake County through additional housing programs.

We are pleased to be establishing a relationship with Associated Bank. roughthis collaboration, we are actively working to provide new and innovative re-sources to the community such as home repair grants, education in fair lending,housing counseling, staff training and program marketing.

Fair Lendinge Fair Housing Act (FHA) and Equal Credit Opportunity Act

(ECOA) protect consumers by prohibiting unfair and discriminatory prac-tices. Read OCC’s Answers about Consumer Loans and Answers aboutConsumer Mortgages for more information.Discriminatione FHA prohibits discrimination in residential real estate–relatedtransactions based on...

• Race or color • National origin • Religion• Sex • Familial status • Handicap

e ECOA prohibits discrimination in credit transactions based on• Race or color • National origin • Religion • Sex • Age• Marital status • Applicant’s receipt of income from a public assis-tance program • Applicant’s exercise, in good faith, of any rightunder the Consumer Credit Protection Act

*Age is a prohibited factor provided the applicant has the capacityto enter into a contract.

Disparate ImpactEven when applied equally to all its credit applicants, a lender's policy mayhave a negative effect on certain applicants. For example, a lender may have

a policy of not making single family home loans for lessthan $60,000. is policy might exclude a high numberof applicants who have lower income levels or lowerhome values than the rest of the applicant pool. atuneven effect of the policy is called disparate impact.Disparate TreatmentIllegal disparate treatment occurs when a lender basesits lending decision on one or more of the prohibiteddiscriminatory factors covered by the fair lending laws.For example, if lender offers a credit card with a limit of$750 for applicants age 21 through 30 and $1,500 forapplicants over age 30. is policy violates the ECOA’sprohibition on discrimination based on age.Predatory LendingFair lending laws also contain provisions to addresspredatory lending practices. Some examples follow:Collateral or equity “stripping”: e practice of making

loans that rely on the liquidation value of the borrower'shome or other collateral rather than the borrower's ability

to repay.Inadequate disclosure: e practice of failing to fully disclose or explain thetrue costs and risks of loan transactions.Risky loan terms and structures: e practice of making loans with termsor structures that make it more difficult or impossible for borrowers to re-duce their indebtedness.Padding or packing: e practice of charging customers unearned, con-cealed, or unwarranted fees.Flipping: Is the practice of encouraging customers to frequently refinancemortgage loans solely for the purpose of earning loan-related fees.Single-premium credit insurance: e requirement to obtain life, disability,or unemployment insurance for which the consumer does not receive a nettangible financial benefit.Unfair and Deceptive Practicese OCC took the lead among the federal bank regulatory agencies in de-veloping an approach to address unfair and deceptive marketing practices.ese practices are often an element in predatory lending. e OCC hastaken a number of enforcement actions against banks that were found tohave engaged in abusive practices and, in one landmark case, required abank to pay over $300 million in restitution to its customers.

Lake County Housing Authority is one of the leading housing authoritiesin the nation. To learn more about Lake County Housing Authority, pleasevisit our webpage at www.lakecountyha.org or call us at 874-223-1170.

Understanding Fair Housing Act (FHA) & Equal Credit Opportunity Act (ECOA)

David A. Northern, Sr.

Photo by Waylan Cooley PhillipsCooleysvideo.com

dr. daisy brooks

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