Garfield Pharmacy aims to maintain neighborhood tradition

  • Written by Bob Bong

Jawad Hamdan, who opened the Garfield Pharmacy last month in Chicago’s Garfield Ridge community, is proud to be continuing a neighborhood tradition.
“I wanted to maintain an independent pharmacy in the area,” said Hamdan.
Garfield Pharmacy, 6456 W. Archer Ave., is now the fifth pharmacy that Hamdan has opened. He has other locations in Chicago’s Little Village, Pilsen and Gage Park neighborhoods, and in Chicago Ridge.
What appealed to Hamdan was that the Garfield Ridge location has a history of being an independent pharmacy. The site was most recently Archer Pharmacy and that location has been an independent pharmacy in the community for nearly 40 years.
“It’s an area that got my attention,” said Hamdan. “It was already set up to be a pharmacy. I like the area. It is very quiet and multicultural. We have a lot of people coming in who are Polish and Mexican. It is very steady.”
Hamdan said the people he has met are hard-working and loyal. They like the idea of an independent pharmacy where they feel comfortable and get to know the pharmacists and other employees. Hamdan said it is a connection to the neighborhood.
He said attentive service is provided with low prices. Free medication delivery is provided. Garfield Pharmacy accepts Medicare and Medicaid customers.
Hamdan has four employees at Garfield Pharmacy. He is looking for someone who can speak Polish. Hamdan’s goal is to eventually have 10 employees, which is about the number he has at each of his other locations.
Plans for a grand opening will take place when the weather improves, Hamdan said. He has tentative plans for music and will give out free gift bags.
Garfield Pharmacy is open from 9 a.m. to 7 p.m. Monday through Fridays, and 10 a.m. to 6 p.m. Saturdays.
For more information, call 773-424-7772.
Tropical Sno to open for summer in Bridgeview
Sno - Daze Tropical Sno will be opened for the season Friday, May 1, at 7777 S. Harlem Ave. in Bridgeview.
Normal business hours of 2-10 p.m. started on Saturday, May 2.

Pandora to open at Chicago Ridge Mall
Pandora will open its third south suburban jewelry store on April 29, at Chicago Ridge Mall. The retailer also has stores at Orland Square Mall in Orland Park and one that opened in December at Louis Joliet Mall in Joliet.

Tinley Kmart adopts K-fresh format
Kmart is reconfiguring its Tinley Park store at 16300 S. Harlem Ave. from a Super Kmart into a new format the chain calls K-fresh.
The Hoffman Estates-based retailer is changing most of its remaining Super Kmarts into the new format, which includes the removal of its butcher, bakery and deli food service departments.
The new format also includes less sales floor space, reduced operating hours fewer staff.
The company said in a release at least five of its remaining 11 Super Kmart stores would be converted. The Tinley store was the only one in Illinois.
K-fresh stores have replaced the service departments with prepackaged items, and offer reduced brand variety and pack sizes.
Store hours have been cut from 24 hours to 8 a.m. to 10 p.m.

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Help mom with her retirement income strategy

  • Written by Scott Johnson

Scott-Johnson---HeadMother’s Day is almost here. This occasion may have special significance for you if you’ve been fortunate enough to have your mother around for your adult life. So naturally, you’ll want to bring Mom some flowers or another gift. But if she’s planning to retire soon, you may want to think about a longer-term way to improve her life — namely, by initiating a conversation about her retirement income strategy.
Of course, she may already have matters well in hand. But a great many people on the verge of retirement have not planned for those years, so you may be able to provide some valuable suggestions. Here are a few ideas:
• Boost contributions to retirement plans. If Mom is still working, urge her to contribute as much as she can afford to her IRA and her employer-sponsored retirement plan, such as a 401(k). The chances are pretty good that she will be spending many years in retirement — in fact, the average life expectancy for a 65-year-old woman is 20.5 more years, according to the Centers for Disease Control and Prevention. So she’ll want to accumulate as much as possible before she bids “adieu” to the working world.
• Discuss appropriate withdrawal rates. Encourage your mother to meet with a financial professional to determine an appropriate rate of withdrawal from her investments. To help ensure that she doesn’t outlive her resources, she needs to avoid taking out too much during her early years of retirement.
• Take care of legal arrangements. If you haven’t already done so, ask your mother if she has drawn up the important legal documents related to her estate plans. Does she have a will? Has she created a durable power of attorney, which allows her to name someone to make financial and health care decisions on her behalf if she becomes incapacitated? As you know, this is a sensitive topic, so you’ll want to approach it with care.
• Evaluate Social Security options. Your mother is probably well aware that she can start taking Social Security as early as age 62, but will get much bigger monthly payments if she waits until her full retirement age, which will likely be 66 or 67. But she may not know that she might be able to benefit from a Social Security “spousal strategy” that could result in her receiving more income than she could get by just taking her own benefits.
For example, if her spouse is the higher wage earner and can afford to delay taking benefits, your mother could eventually receive higher survivor benefits. Or, your mother and her spouse could employ a “file and suspend” strategy. Under this strategy, her spouse, upon reaching full retirement age, files for retirement benefits and then immediately requests to have those benefits suspended. As a result, your mother can file for spousal benefits, which would be larger than what she would receive at her full retirement age. To make sure they are making any Social Security-related moves correctly, though, your mother and her spouse will want to consult with a tax advisor who is thoroughly familiar with Social Security rules.
You want your mother to enjoy a long, happy and active retirement. So, talk to her about the moves she can make to help turn that aspiration into reality.

Scott Johnson, CFP, is a financial advisor with Edward Jones, 8146 W. 111th St., Palos Hills, 974-1965. Edward Jones does not provide legal advice. This article was written by Edward Jones for use by your local Edward Jones financial advisor.

Can you free yourself from some investment taxes?

  • Written by Scott Johnson

Scott-Johnson---HeadApril 24 has been designated Tax Freedom Day for 2015. Tax Freedom Day, calculated by the Tax Foundation, is the day when the nation as a whole has earned enough money to pay off its total tax bill for the year. So it may be a good time to review your own situation to determine if you can “free” yourself from some investment-related taxes in the future.
Of course, Tax Freedom Day is something of a fiction, in practical terms, because most people pay their taxes throughout the year via payroll deductions. Also, you may not mind paying your share of taxes because your tax dollars are used in a variety of ways — such as law enforcement, food safety, road maintenance, public education and so on — that, taken together, have a big impact on the quality of life in this country. Nonetheless, you may well want to look for ways to reduce those taxes associated with your investments, leaving you more money available to meet your important goals, such as a comfortable retirement.
Fortunately, it isn’t really that difficult to be a tax-conscious investor, as some of the best retirement-savings vehicles have built-in tax advantages. For starters, depending on your income level, your contributions to a traditional IRA may be tax-deductible, so the more you put in (up to the maximum of $5,500, or $6,500 if you’re 50 or older), the lower your annual taxable income. Plus, your earnings grow on a tax-deferred basis.
If you meet certain income guidelines, you may be eligible to contribute to a Roth IRA. The contribution limits for a Roth IRA are the same as those for a traditional IRA, but the tax treatment of your earnings is different. In fact, your Roth IRA earnings can grow tax free, provided you don’t take withdrawals before 59½ and you’ve had your account at least five years. (Roth IRA contributions are not tax-deductible, however.)
Even if you have an IRA, you can probably also participate in your employer-sponsored retirement plan, such as a 401(k), a 403(b) or a 457(b). You typically contribute “pretax” dollars to these types of retirement plans, so your contributions will lower your annual taxable income. Plus, you’ll benefit from tax-deferred earnings. And employer-sponsored plans have much higher contribution limits than an IRA; in 2015, you can put in up to $18,000 to a 401(k) or similar plan, or $24,000 if you are 50 or older.
Beyond contributing as much as you can afford to tax-advantaged retirement plans, how else can you take greater control of your investment-related taxes? One move is to avoid frequent buying and selling of investments held outside your IRA and 401(k). If you sell investments that you’ve held for less than one year, your profit will be taxed as ordinary income, with a rate as high as 39.6%. But if you hold investments at least one year before selling them, you’ll just pay the long-term capital gains rate, which is 15% for most taxpayers (20% for high earners). So, from a tax standpoint, it pays to be a “buy-and-hold” investor.
Taking full advantage of your IRA and 401(k) and holding your investments for the long term aren’t the only tax-smart moves you can make — but they can give you a good start on making investing less of a “taxing” experience.
Edward Jones, its employees and financial advisors cannot provide tax or legal advice. You should consult your attorney or qualified tax advisor regarding your situation

Scott Johnson, CFP, is a financial advisor with Edward Jones, 8146 W. 111th St., Palos Hills, 974-1965. Edward Jones does not provide legal advice. This article was written by Edward Jones for use by your local Edward Jones financial advisor.

Massage Envy opens in Oak Lawn’s Promenade

  • Written by Bob Bong

A grand opening celebration was held last month for the Massage Envy spa, which opened in February at the Stony Creek PromenadeTIF District at 111th Street and Cicero in Oak Lawn.
Residents, business people, and community and political leaders were in attendance.
Justin Hudetz, owner of Massage Envy, said he was delighted with the reception the spa has received since they opened on Feb. 23.
Hudetz said that in the few weeks since Massage Envy has opened in Oak Lawn, the facility has drawn more people than the one in LaGrange did for its opening.
“This has been great,” said Hudetz. “Oak Lawn has been very welcoming. I’m glad to be a part of it.”
Hudetz currently has 20 employees at his Oak Lawn location. His goal is to expand as quickly as possible and eventually have 60 employees.
“The people of Oak Lawn work hard,” Hudetz said at the Oak Lawn Village Board meeting on March 11. “The people of Oak Lawn deserve a massage.”
Massage Envy has a waiting room that includes refreshments and coffee. Various rooms are available for a range of massages and skin care treatments.
Village officials in attendance at the grand opening included Oak Lawn Mayor Sandra Bury, Village Clerk Jane Quinlan and Trustee Terry Vorderer (4th).
“This is very wonderful, it is really exciting,” said Bury. “Anytime we add quality businesses to the area is great. Massages can help relieve stress, so that is great for both men and women.”
Massage Envy adds to the list of businesses that are locating at the Stony Creek Promenade.
The first to enter was Mariano’s, which opened last fall to large crowds. Mariano’s specialty food market is the centerpiece of the development at 111th and Cicero and continues to draw many customers.
Cooper’s Hawk and Winery restaurant committed to the project after learning Mariano’s was on board.
After Mariano’s reported record crowds the first few days after opening, the owners of Cooper’s Hawk said they were eager to open as soon as possible. Cooper’s Hawk is scheduled to open in May.
A Starbucks is also part of the project.

H&M now hiring in Chicago Ridge
Swedish apparel retailer H&M has started hiring associates for its new 20,000-square-foot store under construction at Chicago Ridge Mall in Chicago Ridge.
Applications are being taken online at
The company has more than 3,500 stores in countries around the world, including a store in Orland Park.

Shea’s Bakery now open
Dan Shea has high hopes to continue the baking tradition started decades ago when Hans Zettlmeier  opened a bakery in Tinley Park.
“We do a little bit of everything,” said Shea, who along with his wife, Cathy, have been running the bakery at 17016 S. Oak Park Ave. in downtown Tinley Park since taking over in August.
Shea, an Oak Lawn native, does his baking at night before the shop opens at 5:30 a.m. Then he heads to his day job as an electrician.
“Cathy is there more than I am,” he said of his wife and partner, who tends to the day-to-day business of running a bakery despite owning another business, as well. She hails from the Clearing neighborhood in Chicago.
Shea said they bought the bakery because it was the right deal at the right time. He said they have made a few changes like new items and some tweaking of old items.
“We brought in a baker with 50 years experience to help with the transition,” he said. “We expanded the menu and now we’re trying to build our cake business.”
Some things he left alone.
“We kept all of the employees from when it was Zettlmeier’s,” he said adding it seems to be paying off.
“A lot of the old customers have been accepting of the changes,” he said. “We have had nothing but positive feedback.”
The couple live in Green Garden Township with three kids, who sometimes lend a hand at the shop.
“It’s a family business,” he said.
Shea’s Bakery is open from 5:30 a.m. to 2 p.m. Tuesday to Friday, from 6 a.m. to 2 p.m. on Saturday and from 6 a.m. to noon on Sunday. The bakery is closed on Monday.
For information, call 708- 444-2253 or visit Shea’s Bakery on Facebook. He is working on a website.

Willie’s Wee-Nee Wagon closes
A second attempt by owner Steve Wright to make a go of Willie’s Wee-Nee Wagon at 16707 S. Oak Park Ave. in Tinley Park lasted less than a year.
Wright, of Mokena, who operated a Willie’s Wee-Nee Wagon in the same space several years ago opened a second incarnation of the hot dog stand last April.  It closed a few weeks ago and all of its signage has been removed.
Wright could not be reached for comment and workers inside the adjacent Citgo gas station said they didn’t know why it closed.
The Citgo station itself is scheduled to be sold at a foreclosure auction April 15.

Joe Boyle contributed to this report.

Control your emotions in volatile markets

  • Written by Scott Johnson

Scott-Johnson---HeadFor the past few years, the stock market has moved up fairly steadily, with no major corrections.
But thus far in 2015, we’ve already seen periods of volatility — enough, in fact, to make some investors jittery. Nervous investors may be more prone to make decisions based on short-term market movements — so how can you stay calm?
First of all, when evaluating your investment decisions, stay focused on those factors that have historically driven stock prices. The U.S. economy is growing at a reasonably good pace, and corporate earnings remain fairly strong. Plus, stocks may not be as undervalued as they were a few years ago — as measured by the price-to-earnings ratio (P/E) — but they still aren’t overly expensive, either. Things can change, of course, but when market volatility seems to be primarily caused by short-term events, such as plunging oil prices, it’s important to look beyond the headlines to these less glamorous, but probably more important, fundamentals of good investing. By doing so, you can help avoid making fear-driven investment choices.
What else can you do to help ensure that you don’t let feelings of anxiety influence your investment moves? For one thing, evaluate your investment mix. If you own too many stocks and stock-based vehicles, you could take a big hit if stock prices fall sharply during periods of volatility. Historically, however, bond prices have typically increased when stock prices fell — although, of course, there are no guarantees. So, if your portfolio consists of stocks and bonds, you are better positioned to weather the harshest effects of market turbulence.
To further prepare yourself for downturns, you may also want to diversify your fixed-income holdings to include investments such as U.S. Treasury bills, certificates of deposit (CDs) and municipal bonds. The percentages of each type of investment within your portfolio should be based on your goals, risk tolerance and time horizon.
Finally, you can help yourself maintain an even-keeled approach to investing by always looking for quality. Typically, higher quality investments fare better during market declines and recover more quickly when the markets rebound. How can you judge whether a particular investment is of good “quality“? A long-term track record is useful to study. It’s certainly true that, as you have no doubt heard, “past performance is no guarantee of future results,” but it’s nonetheless valuable to know how a particular stock, for example, has performed in various economic environments. If it seems to have done well relative to others in its industry and over long periods of time, that may give you a good idea of its quality.
It’s never easy to take all the emotions out of investing, especially during periods of market volatility. After all, you count on your investments to help provide you with the type of future you’ve envisioned. But by focusing on the fundamentals, putting together an appropriate investment mix and constantly looking for quality, you can help “de-stress” yourself — and, as the American poet, novelist and historian J.G. Holland once said, “Calmness is the cradle of power.”
Scott Johnson, CFP, is a financial advisor with Edward Jones, 8146 W. 111th St., Palos Hills, 974-1965. Edward Jones does not provide legal advice. This article was written by Edward Jones for use by your local Edward Jones financial advisor.