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It has been announced by the Vatican that Pope Francis will canonize two previous Popes – ones that have lived in our time and who have contributed greatly toward the reformation of certain elements in the Catholic Church’s 2000 year history. Both Pope John XXIII – 1958 to 1963 – and Pope John Paul II – 1978 to 2005 – will be officially elevated to the status of Sainthood on April 27th, 2014 by current Pope Francis.
This historic event will attract thousands – perhaps millions – of tourists to Rome in the spring of next year. Viking Travel has already created some preliminary itineraries at the request of several parishes around the Joliet Diocese and the Arch Diocese of Chicago. As Pope John Paul II, is the 1st Polish Pontiff, it has been said that the entire country of Poland will travel to Rome to witness the event. One can only imagine the throngs in St. Peter’s Square celebrating this amazing time in history. The date of April 27th, 2014 is known as “Divine Mercy Sunday” a day of special graces received just after Easter – Sunday, April 20th. The combination of the Canonization and Divine Mercy Sunday will make this day one of the holiest days in memory. For anyone interested in traveling to Rome to witness this event, contact Viking Travel – www.vikingtvl.com – or contact Richard Haymaker – e-mail dick@reed-ramsey.com – or call at 630-571-4585 X 114. Arrangements should be made as soon as possible. Some hotels in Rome are already sold out. Visit the visit the Vatican for this once in a lifetime event. Richard Haymaker Director - Business Development Faith Based Travel Division Viking Travel 700 Pasquinelli Drive, Suite C Westmont, IL 60559 P: Office Direct - 571-4585 x 114 P: Viking Head Office - 630-321-1664 C: 630-341-1415 Web Site: www.vikingtvl.com E-mail: dick@reed-ramsey.com E-mail: richard.haymaker@vikingtvl.com
"It is difficult to get up when it is dark, but I enjoy starting my Tuesday with the breakfast meeting of Platinum Networking Associates. Due to family illiness our speaker was unable to attend but Russ Caforio stepped in to facilitate an informative discussion about health care issues that will face all age groups come Jan 2014, also the advantages of having and HSA medical savings plan. We can even fund these plans for our children and take advantage of the tax write off. Russ is helping the group to understand how to get through these unknown medical waters smoothly."
Pat Jurinek New Horizon Homes Builder, Inc. Lemont, IL "we build memories" Direct Line: 630-750-5259 http://www.new-horizonhomes.com http://www.willowridgelemont.com If the subject of this interests you, just Click here for detailed information. We are currently accepting new clients and we are scheduling "One on One QuickBooks Training" sessions. The training is done using your own QuickBooks files. You choose the areas of QuickBooks where you need help or want to learn new techniques that will help you become more efficient working with QuickBooks. Janice Papais is a CPA and a QuickBooks Pro Advisor who does our QuickBooks training. Contact her today. Need help with your accounting, your taxes, or your payroll? Since the initial consultation is free, you have everything to gain and nothing to lose. Call us today at (630) 320-3720 or e-mail us atinfo@monarchfinancialllc.com. We would like to help you. You can also find links to your On Line Advisor E-Newsletter and your Calculators on our website at www.monarchfinancialllc.com. Art Bradley CPA & Don Wittmer CPA Monarch Financial Group, LLC 118 S. Washington Street Hinsdale, Illinois 60521 Phone (630) 320-3720 don@monarchfinancialllc.com art@monarchfinancialllc.com Contact Russ Caforio @ Russell F. Caforio & Assoc., Inc. for information on how you can be adequately protected for any debts you may owe at the death of a family member. russ@caforio.net or 630-495-2901 If a family member dies with debt and you start getting calls from creditors demanding payment, are you responsible?By MSN Money Partner Mon 12:33 PM This post comes from Trisha Sherven and Stacy Johnson at partner site Money Talks News. Coping with the death of a loved one is difficult enough without the added pressure of creditors calling you to collect on the deceased person's credit card debt. But can a bank collect a credit card debt owed by your deceased parent or spouse? The answer depends on a range of factors, from whether it was a joint account to where the deceased person lived. 1. Are family, friends or heirs responsible for debts? When you take out a credit card in your name, you're agreeing to repay whatever you borrow. Whether you're alive or dead, that obligation doesn't extend to your family, friends or, in most cases, even your spouse. In short, while your heirs can inherit your worldly possessions, they don't inherit your credit card balances and they don't have to pay them. Exception? If someone else was jointly liable on the debt with you. Joint account holders are generally fully responsible for the entire debt, even if all the charges were made by only one of them. The fact that your heirs aren't responsible for your debts, however, doesn't mean your creditors won't try to collect from them. 2. Direct creditors to the executor While heirs or family typically aren't responsible for your debts when you die, that doesn't mean they just go away. Instead, the obligation transfers from you to your estate. When a person dies, their estate is born. That estate will have someone, known as the executor or administrator, who will be designated by the will and affirmed by a court to handle all financial issues of the deceased, including their debts. If you're not in charge of an estate and get a debt collection request, direct the caller to the executor, then tell the caller you don't want to be contacted about that debt again. 3. Notify creditors and credit bureaus The executor of the estate should notify creditors as soon as possible of the death. They should also notify the big three credit reporting agencies -- Experian, Equifax and TransUnion -- and request the account be flagged with the statement "Deceased: Do not issue credit." This will help prevent an all-too-common problem: identity theft of the dead. The executor should also request a copy of the deceased's credit report. This is the best way to find out exactly what debts were outstanding. Here's the process, in the words of TransUnion: Step One: Contact all creditors that the deceased person(s) did business with and request that they mark their files accordingly. Be sure to forward a copy of the death certificate, once you receive it. Step Two: Check with the Social Security Administration to ensure that they have updated their files and notified the credit reporting companies. Step Three: Forward a copy of the death certificate to all three credit reporting companies. Remember to send certified letters when corresponding with credit bureaus or individual companies and keep copies. 4. Find out who's responsible As mentioned above, people who request credit together are equally responsible for the entire debt. The same is true with a co-signer, who essentially guarantees the debt of the borrower. If the borrower dies, the co-signer becomes liable. Authorized signers or additional cardholders on credit card accounts, however, aren't liable. They didn't originally apply for the credit; they were just allowed to "piggyback" on the account of the one who did. If that person dies, the authorized signers aren't generally on the hook. 5. Stop using credit accounts If you are an authorized user on a credit card account, don't continue to use the card after the main cardholder dies. Since you're not liable for the debt, this could be considered fraud. A surviving spouse can ask for a card to be issued in his or her own name. It will most likely be a new card application, based on the survivor's credit history, income, etc. 6. Don't split up all the belongings yet It's natural to think that you should immediately start giving Grandma's antiques and jewelry away. But, says Credit.com expert Gerri Detweiler, it's a good idea to wait. Only after the estate has settled its debts should the assets be distributed. Distribute stuff beforehand, and should the estate not have enough to pay its debts, the heirs could become responsible for the debt. 7. Ask creditors for help If a surviving spouse is a joint account holder on the deceased's credit card and is having trouble paying the bills, that person may be able to work something out with creditors. Ask for options to give you time to get organized. 8. Community property states are different If you live in a community property state, forget what you read in No. 1 above. Your rules are different. In a community property state (Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington, Wisconsin and, if you choose it, Alaska) one spouse can be liable for the debts of another, even if they didn't agree to them or even know about them. So in a community property state you may be on the hook for the credit card debt of a deceased spouse. 9. If an estate can't pay, the lenders lose Sometimes the estate has more debts than assets to pay them. If no one else can be found responsible for the debt, creditors will be forced to write it off. 10. When in doubt, contact an attorney This stuff can get complicated, especially when community property law is in place. Contact a consumer law attorney or probate attorney to get help. The Express Link below is provided by Blue Cross and Russ Caforio and allows anyone seeking under age 65 health insurance access to all exchange/marketplace options…not just Blue Cross. You can also determine if you are eligible for a subsidy based on your income and the amount that would be applied to reduce your premium costs. If you are eligible, the plans and pricing will be adjusted to reflect your new monthly premiums. This site also allows anyone over age 65 access to Medicare Supplement Plans, Prescription Drug Card Plans and Medicare Advantage Plans. When asked for who is helping in this process, please add Russ Caforio-57455 Contact Russ Caforio @630-495-2901 or email russ@caforio.net with any questions or help needed on the site. We both can be on the same page on the site. The New Year is only three months away. Planning for it has already begun for many of us. For that reason, we at West Suburban Office Products begin our Annual Calendar Sale for the coming year in September.
All of us at Platinum Networking Associates know that we should have a plan for the New Year and that we need to work the plan if we are going to succeed at what we do. Part of that planning is the management of our time and keeping track of schedules and appointments. Calendars, Planners and Date Books can help us do that. All of our At-A-Glance, House of Doolittle and Payne calendars are now on sale at special pricing. Let us know how we can help you. With that in mind, I thought you might like a heads-up about an article I recently read titled: 10 Time Management Tips That Work BY Joe Mathews, Don Debolt and Deb Percival. (You can find the complete article http://www.entrepreneur.com/article/219553#) There were three ideas expressed there that I thought you might find interesting in their discussion of clock time versus real time and how to manage real time.
We can help you get the right calendar, planner or date book for planning your new year. If I can answer any questions or assist you in any way you can email me at: dennis.gleason@westsubop.com. Let us know how we can help you. Enjoy the rest of your day! Dennis R. Gleason West Suburban Office Products 178 N. York Street Elmhurst, IL 60126 630-832-3066 Trinity Lutheran School, Burr Ridge is planning to renovate the school building. Below is the architectural drawings from Wight & Company. A capital campaign has begun and some work will begin during the Christmas Holiday. If interested in a tour of the facilities or to receive more information more information on this highly academic school please call at 708-839-1444 or visit our website at mytls.org or contact principal Aaron Landgrave at trinityprincipal@comcast.org.
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