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dR. Steven. B. naSatiR President of the Jewish United Fund Jewish Federation of Metropolitan Chicago
FREE EVE
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In This Issue: Why Punishment for Being Overqualified? Celebrates First Year
By Andrea D. Storz
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By Mira Temkin
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By Moshe Klein
OVER 100 VENDORS 5,000 BUSINESS NETWORKERS 30 EMPLOYERS June 14, 2012, from 1 to 7pm
at Lincolnwood Town Center
3333 W. Touhy Ave. Lincolnwood
Page 8
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CONTENT
3 eMPLoyMent crime and Punishment
By Andrea D. Storz
coveR StoRy chicagos Jewish Movers and Shakers give their Predictions for 2012
By Karen Schwartz
of commerce many of them that have a specific ethnic or other agenda-driven focus. In fact, it amazes me how
of observance, and of course their political beliefs. BUT the one issue that unites people from all walks of life, regardless of all their differences is the need to earn charity (or tzedakah in Hebrew) is helping someone earn their own livelihood. a living and put food on the table. I was taught as a child, that the highest form of
In this quarters issue of JBN, Karen Schwartz talks to some of the Jewish business, media, and elected leadership that make a major difference in our community on a daily basis. Their backgrounds, path to their respective positions, and inspiration are fascinating stories, but the common thread is their commitment to helping and exposure and recognition, we were only able to fit and reach a small sampling.
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giving back, each in their own way. There are certainly many more that deserve the
As always, we want to hear about your story, feedback, inspiration, and other comments. If you would like to be featured in an upcoming issue of Jewish Business News, contact Editor Mira Temkin at mt@thejewishbusiness.com. To Success,
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LegiSLative uPdate
Shalom Klein
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JoBS BoaRd
on the cover: Photos courtesy of iStock Photography Publisher: Shalom Klein editor: Mira Temkin contributing editor: Moshe Klein contributing writers: Karen Schwartz, Andrea D. Storz creative director: Michael Borkovec advertising/Sales coordinator: Leah Alpert advertising Sales: Janis Mason distribution coordinator: Levi Gottlieb Check www.thejewishbusiness.com for updates. 2012 Jewish Business News. All rights reserved. Reproduction in part or whole without permission is prohibited. Editorial, publishing and advertising offices: 3564 W. Dempster St., Skokie, IL, 60076, Phone: (888) 477-4466.
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An Illinois not-for-profit organization, focuses on creating opportunities for sustainable, competitive employment in the community for individuals with Intellectual and Developmental Disabilities.
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30 years of service
guests of honor
robert and debra hartman sidney and Lisa glenner avi and batshie goldfeder joseph and sheila gutman milton and Lauren wakschlag
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Keshet is a partner in serving our community, supported by the jewish united fund/jewish federation
ricky and dana abt garry benjoya trevor and jennifer brody stuart and denise charney chad and debbie coe mark and shari coe michael and susan cohen Larry and deborah coven neal and toby deutsch albert and Kathy durkin merle evans scott and shannon evans susan fredman steve and josie fisher
steve and debbie hara steve and jennifer hartenstein peter and catherine Kanaris david and ronda Kaufman scott and nancy Lane mark and bari Levin Larry and claudia Lubin robbie and Kelli mehrholz andy and nancy mills joseph and mary miroballi mike and dana pinsel david and Karen rappaport mark and adriane reisman ami and aviva robinson michael and wendy rosen
marc and amy rosenberg fred and marilyn rudin michael and cari sacks stuart and jill saltzberg eli and ahuva samber marc and Kim schwartz greg and Kathy solk stephen and ellen stamler Lonnie unger Linda wagner mark and marilyn egel-weiss alvin and flora Lee weiss jordan and michelle wolf allan and caryn Zelinger ted and elisa Zusman
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Lou Lang, State Representative, Illinois House of Representatives Lou Lang has represented the 16th District since 1987. He was appointed to the Illinois House in 1987 by the Niles Township Democratic organization to fill a vacancy when Lang mentor, representative Alan Greiman, became a judge. He serves as Deputy Majority Leader of the Illinois House of Representatives. What is the outlook for Illinois small businesses in 2012? For two years, I chaired a job creation task group and we traveled the state seeking jobs for individuals. We have to put people to work, expand job opportunities and cut through red tape to encourage entrepreneurship. Small businesses are the backbone of our economy. We also have to provide money for people to start businesses, whether its through loans or grants. There are people out there who just need a little financial support to hire other people. What impact will the upcoming elections have on small businesses? Every election has an impact, but its difficult to predict how the business climate will be different in 2012. We should look for political leaders who are willing to invest in the economy and grow the economy. I am a pro-business growth Democrat. The government of the state of Illinois needs to do whatever it can to support small business.
nancy Rodkin RoteRing, Mayor of Highland Park Elected mayor in April, 2011, Nancy Rodkin Rotering served on the Highland Park City Council from April, 2009 until her mayoral election, as well as on the citys planning and environment commissions. A Highland Park native, Mayor Rotering earned her B.A. in economics from Stanford University, an MBA from Northwestern Universitys Kellogg School of Management, and a law degree from the University of Chicago. Is 2012 a good time to open a small business in Highland Park? We have a very inviting and nurturing business climate in Highland Park. One of our greatest priorities in 2012 will be attracting new businesses to Highland Park as well as helping our existing small businesses grow. This business development effort is being coordinated with the citys Business and Economic Development Commission, Highland Park Downtown Business Alliance, the Chamber of Commerce, the Highland Park Retail Merchants Association, and a group of business district alliances, including the Ravinia Business District Alliance and the Briergate Business Alliance. Weve had some new stores open, including new gelato stores, ArrivaDolce, and Frost and Charming Charlie, in the old Borders as well as two new restaurants, Benjamin and M. We have a lot of other prospects for new stores. Is there legislation that will affect small businesses in Highland Park? Illinois is faced with financial challenges and is starting to shift funds. It affects Highland Park because our resources are diminished. On January 1, the PRPP (personal property replacement tax) will cut our budget by tens of thousands of dollars as the state squeezes us financially, and it makes it more challenging to sustain the things we need to do to support our businesses. What else is happening in Highland Park that affects the business community? Highland Park has a new Facebook page, and I send out regular
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e-mails to residents and businesses. In addition, were going to be working with IDOT to get new signage so people can easily find the nine business districts in Highland Park.
things will be back to normal. People are asking for more financial assistance, jobsthe impact of this recession is very deep. Is there anything youd like to bring to peoples attention? People might be surprised to find out the number of Jews they know who are unemployed and going through tough times. We know from talking to rabbis that theyre overwhelmed with these types of requests. It would be great if people were a bit more sensitive to the challenges that their friends and neighbors face. The tail on this economic downturn is going to be long, and when the economy picks up, there will be folks whose lives are going to be different and their retirements are going to be different. Jan SchakowSky, U.S. Congresswoman Jan Schakowsky was elected to represent Illinois 9th Congressional District in 1998, after serving for eight years in the Illinois State Assembly. In her seventh term, Schakowsky serves in the House Democratic leadership as Chief Deputy Whip and is a member of the Steering and Policy Committee as well as a member of the Energy and Commerce Committee, where she serves on the Subcommittee on Health and the Subcommittee on Oversight and Investigations. How is national legislation affecting Chicago-area small business owners? In the 111th Congress, 16 tax cuts were passed into law affecting small business owners, and the White House released in the spring its small business agenda on how to help small businesses. In addition, the Democratic leadership has been having small business events featuring speakers from federal agencies to help small businesses learn about getting capital. There is free equipment from the GSA (General Services Administration) that small businesses need to know about, and small businesses can get into the export business if they have the know-how to do so. What would you say about the small business climate for 2012? Were going to have a debate about extending the payroll tax, which applies to employees and employers and affects small businesses. We need a strong advertising campaign encouraging people to shop at small businesses. There are so many advantages: theyre in your neighborhood, you can have a real relationship with them, and you know youre going to get quality work. The Democratic Caucus had a hearing recently on small businesses with speakers who talked about just how important small businesses are to the local communities.
A journalist and business writer for more than 25 years, Karen Schwartz has written for the Chicago Tribune, Crains Chicago Business, LA Times, and many other publications. She also writes marketing communications for individuals and organizations. She can be reached at writerks@sbcglobal.net.
Jewish Business news - A publication of Jewish B2B Networking, Inc. 5
MaRc S. SchuLMan, President of Elis Cheesecake Elis Cheesecake World is a 62,000 square-foot state-ofthe-art bakery, visitors center, retail store, dessert caf, and corporate headquarters located on the northwest side of Chicago. Do you think Mayor Emanuels election has helped small businesses in Chicago? Chicago is definitely a good place to do business. We were grateful for Mayor Daleys support and look forward to the support Mayor Emanuel will provide. He clearly understands us and has put a big priority on job creation. Since Rahm Emanuel took office, weve been promoting internally, and hiring new people from the neighborhood from Wright College, putting people into entry-level jobs. Weve also hired refugees, and more people with disabilities. Has any legislation helped you as a business owner? On the national level, there were tax benefits in 2011 that helped us buy some equipment. Its a great time of opportunity for small businesses, though capital may be hard to come by in an environment like this. But family businesses are critical to our economy and work hard to make sure they survive in these tough economic times. dR. Steven. B. naSatiR, President of the Jewish United Fund/Jewish Federation of Metropolitan Chicago Dr. Steven B. Nasatir is a graduate of the University of Illinois, has a M.A. degree from Roosevelt University and a Ph.D from Northwestern University, and has traveled the world in his commitment to the Jewish and humanitarian causes. In 2011, he received the Julius Rosenwald award, the highest award presented annually by the Jewish Federation of Metropolitan Chicago. There are many Jews in the Chicago area who are hurting financially. Are you hopeful that 2012 will bring about an improvement in the economy that will help more small businesses prosper? Hopeful, yes, but for that to happen, I would be pleasantly surprised from what I see happening in the community. The Federation assisted 45,000 Jews for the fiscal year ending June 30. This economy is so severe, and I dont see any reason to believe that this coming year,
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Yes, Shalom has a day job. He serves as Vice President of MK&A and MKA Receivables, handling small business collections. Jewish B2B Hosts Monumental Networking Event To keep the momentum going, Jewish B2B held The Business Event, a free business and employment expo last August, which attracted almost 3,000 attendees. Also in attendance were U.S. Congressman Robert Dold, U.S. Congresswoman Jan Schakowsky, State Senator Louis Lang and Skokie Mayor George Van Dusen. This years expo is scheduled for June 14, 2012 at Lincolnwood Town Center. Check out www.thebusinessevent.com for details and registration information. Jewish B2B Helps Create New Opportunities for Job Seekers Utilizing speed networking and other networking formats, Jewish B2B events make meaningful connections for those looking for employment. Deb Weiner had just moved back to Chicago when she heard about JB2s speed networking event downtown. Looking for a job in the non-profit sector, Deb attended and met Susan Levin-Abir from Keshet, who was impressed with Debs enthusiasm and background. Keshet was looking to fill a new position for a marketing and community outreach manager. Deb had several interviews and was subsequently hired. Because Jewish B2B created these kind of events, I had an opportunity to meet face-to-face with people who were hiring. It was great to network within the Jewish community. After more than 20 years in the asset recovery business, Steven Schwartz was looking for new opportunities. He came to several JB2B networking events and met Pete Fenner, AAA Midwest Recruiter, who talked to him about opening an independent AAA office. This appealed to Steven because it would give him an opportunity to offer customers both AAA membership services as well as auto, home and life insurance. Now that his office is opening this month in Skokie, Steven also uses the Job Board on the Jewish B2B website to recruit his own staff. Ive met so many new people through Jewish B2B Networking and reconnected with others, said Steven. Its a magnificent organization.
Mira Temkin is a Highland-Park based copywriter with both advertising and editorial expertise. She can be reached at mt@thejewishbusiness.com.
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By Moshe Klein
your power, and fulfill your potential. Its no different in the financial realm. - Suze Orman
Ive found no greater satisfaction than achieving success through those you deal with should gain as well. - Alan Greenspan
Honor the Sabbath. It is customary in the accounting business to work 18 hour days, seven days a week. Sundays (the Christian Sabbath) are now workdays in many places. Sometimes it is very challenging for my firm not to work on Saturday (the Jewish Sabbath). In my own mind, I have substituted 247 with 356. By working six days and honoring the Sabbath, somehow our productivity and outcome
honest dealing and strict adherence to the view that, for you to gain,
I want nothing that doesnt belong to me, but I want everything that does. Moshe Klein
increases. When I do the right thing, my watch gives me 35 hours. When I dont goof off, I wont even get 24 hours. But the gift of time, as I call it, is real to me when I keep the Sabbath day holy.
Its a new year and in my opinion, its a good time to remind ourselves businesses, both with financial and moral integrity. Here are some thoughts that might be worth mulling over.
Knowing what is right, what is expected of us, and what to do is not you all much happiness and prosperity in the year ahead and always.
project has its own contract provisions that require a keen awareness
of the projects demands. But that is insufficient. To be ethical in keeping commitments, it means that our businesses had to develop the reputation in the past that we kept our word. A promise made must be a promise kept, though its an old clich, its essential for succeeding in business.
integrity. Let me share something that has guided me over the years. It originates with Mahatma Gandhi, the Indian leader who helped India gain its independence from England through nonviolent means. He said, There is one honest man for every hundred that claim to is right, but few of us actually put it into practice. In being honest, we should not only avoid the sins of commission, but also sins of
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Jason A. Chess
Obligation of Partners
My motto: I provide proactive ideas to help middle market business owners. My work: I help middle market business owners improve their banking relationship. What sets me apart: Along with commercial lending, improving Treasury Management relationships is my niche.
Q. When my friend and I began our partnership, I anticipated our contributions would be equal. But Im contributing a greater share of effort. Can I take a greater share of the profits? A. Partnerships are a most practical, durable form of business relationships and have been since ancient times. When two people work together, they share risk as well as take advantage of their own specialized abilities. The Talmud has a concise expression for working in tandem. When explaining why a partner is not allowed to unilaterally break off the relationship before the stipulated time, the sage Rava states succinctly, The luck of two is better. When Jewish commerce flourished in medieval times, partnerships became an immensely popular arrangement. In responsa literature, there was a highly developed legal theory of partnerships. Shmuel stated: Two people who mingled funds for a business; if one invested one hundred and the other two hundred, the profits are shared equally. The business logic behind Shmuels statement is that in most partnerships, the efforts of the partners are a much more important contributor to success than the amount of money initially invested. So, unless there is an explicit stipulation to the opposite, the intention was to split profits equally. Naturally that doesnt mean that one partner can shirk responsibility and leisurely share in the profits of his hard-working partner. One of the great medieval authorities, the Rashba writes that if a partner contributes only minimal efforts, this is considered a fundamental breach of the partnership agreement, and the partner is not entitled to a share of the profits. He is, at most, entitled to a modest salary for his work. But, if one partner invests efforts or resources that are clearly above and beyond what is called for in the agreement, he may be entitled to extra payment for his efforts. But he does not get a larger share of profits. Who could have known, when Apple Computer was founded by two friends, that being a brilliant programmer/engineer like Stephen Wozniak would become virtually a standardized input, whereas being able to imagine the future market would become the main source of profitability? In other industries, the opposite happened: the market went to people who could move forward with solidly designed products. When you and your partner went into business together, you in effect purchased equal shares of stock; your increased contribution cannot change that reality. On the other hand, if you really believe that your contribution is the key to your business success, then you have the right to go off on your own. Assuming you didnt define a specific term for your partnership, it can be broken off at any time. However, as long as you continue doing business under the original understanding, and each partner continues to contribute his best efforts to advancing the business, changes in the conditions of the partnership can be made only by mutual consent of the partners.
Business Ethics is reprinted with permission. To find out more about business ethics and Jewish values for the workplace, visit the Business Ethics Center of Jerusalem at www.besr.org
My motto: This is not the kind of learning you did in Hebrew School! My work: I make Jewish tradition meaningful, relevant and inspiring. What sets me apart: I think learning about Judaism should be fun!
Beverly Levy
Owner Freebies Steals and Deals with Beverly Levy on AM 560 WIND
My motto: Help people find the best products and services for little or no money. My work: Weekly two minute feature as a resource to beat tough economic times. What sets me apart: A two minute spot featuring free websites for almost every aspect of life.
Locate these and other business networkers and create your own profile online at
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construction picked up in New York, Philadelphia, Cleveland, Chicago, and Minneapolis. Commercial real estate markets remained sluggish across most of the nation. Boston, New York, Chicago, Minneapolis, and San Francisco indicated roughly unchanged activity. Chicago and Minneapolis experienced modest to moderate increases. New York and Philadelphia noted generally weak conditions; Richmond and St. Louis reported slow activity, although industrial construction picked up. Stable employment levels or subdued hiring were mentioned by New York, Philadelphia, Cleveland, Atlanta, Chicago, and Dallas. Assessments of labor market conditions were mixed in Richmond and St. Louis, while labor markets showed some signs of reduced availability of labor in Minneapolis. Our message to small business owners remains unchanged. We advise continued fiscal restraint relative to inventories and debt. Attention must remain on margin improvement and overall cash flow increases for long term business strength and stability.
Part I
Part II
Registration Required - Limited Spots Available Tickets $10 per session/$18 for both Contact us NOW to make your reservations: info@chicagotorah.org | 773-973-6557
Community Partnership of Yeshiva University Center for the Jewish Future - RIETS in affiliation with Kollel Torah Mitzion
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s with ent
Jewish B2B offers a full line-up of various networking events, in the city and suburbs, in the morning and after work. Do join us and make important new connections for your business and career.
The Importance of Agenda Result Based Lead Generation Setting for Sales & Networking Where:
Where: Webinar - participate by phone or computer Details provided upon registration When: Tuesday, February 14, 2012 - 12:00pm Teleseminar - participate by phone Details provided upon registration When: Tuesday, March 13, 2012 - 12:00pm
February Employment Clinic: Right Fit For The Job / Right Fit For Me
Where: Congregation Or Torah 3800 Dempster St., Skokie When: Sunday, February 19, 2012 - 1:00pm
March Networking Meeting Joint Event with Whats Happening Community Newspapers
Where: Costco Wholesale 2900 Patriot Blvd., Glenview When: Wednesday, March 21, 2012 - 5:00pm
Where: The Alley / Highwood Lanes 210 Green Bay Rd., Highwood When: Wednesday, January 25, 2012 - 6:00pm
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State The SBAC continues to aggressively push for policies that will benefit small and mid-market businesses. With over 400 businesses and professionals in the organization, we have discovered through the power of critical mass, these businesses can have a very loud voice. During the last legislative session, the SBAC drafted the Small Business Contracts Act (HB 3186), a law which mandates that all state agencies establish a goal of awarding 10% of their procurement contracts to small businesses. That bill was passed and signed into law by Governor Quinn and has now moved into the implementation stage. State Representative La Shawn Ford (D-Chicago), Chairman of the Small Business Committee of the Illinois House, recently convened a hearing that brought all state agency procurement chairs to the table. With only 2% of state procurement contracts currently going to small businesses, the dialogue centered on the agencies plans to meet the 10% requirement goals. Health insurance continues to be a driving force in our advocacy efforts. Currently, only 31% of business owners with 10 or fewer employees can provide insurance to their employees. The cost of health insurance is impacting our economic growth. As business owners, it can be the X-factor which sways a company away from hiring. The SBAC Health Care Committee along with other dedicated business organizations, including Jewish B2B, have formed a strong coalition in support of HB 3236, the Health Benefit Purchasing Co-op Bill. This legislation would enable small businesses to create their own non-profit health insurance coops, which would be operated, and governed by, advocates and representatives of the business owners, and employees, enrolled in the co-operatives. Small business owners would finally have the opportunity to stabilize, and eventually bring down, the costs of health insurance. The SBAC is determined to push for and get HB 3236 passed in this coming legislative session. Federal: Payroll tax extension Many lawmakers from both parties agree that Congress should extend the 2 percentage point cut in the payroll tax. The partisan conflict now lies on how to cover the cost. The payroll tax cut extension will cost $185 billion in lost government revenue. The latest Democratic plan calls for a 1.9% surtax on income over $1 million, as well as other provisions to cover the cost. Republicans oppose the plan because they say it will increase
12 Jewish Business news - A publication of Jewish B2B Networking, Inc.
the tax burden on small-business owners, a contention the White House rejects as false. Although economists disagree about the stimulus effect of the tax cut, at a time when folks are struggling, the tax cut is hugely popular among voters. Failure to pass a measure would mean a larger tax burden for Americans in 2012 -- $1,000 on a family earning $50,000. Hence, politicians run the risk of being hammered in the polls if it expires. The clock continues to tick and the pressure is increasing to reach an agreement or face the public wrath over higher taxes in the coming year. Senator Dan Coats, an Indiana Republican, said the chamber will eventually pass an extension. Both sides are committed to passing this, so in the end there will be some different mix of cost offsets agreed to, he said.
The Small Business Advocacy Council is a non-partisan group with over 160 members, including law firms, real estate brokers, accounting firms and others.
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8047 Skokie Boulevard Skokie 847-329-0400 4007 Dempster Street (at Crawford Avenue) Skokie 847-763-1626 820 Church Street Evanston 847-733-7400 2925 Central Street Evanston 847-733-9600 824 Emerson Street Evanston 847-328-1974 741 Main Street Evanston 847-328-4639 Corner of Green Bay Road & Winnetka Avenue Winnetka 847-784-8888 1250 N. Arlington Heights Road Itasca 630-250-3510
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Designer, Palatine, IL
Work on print, web design, banner ads, motion-graphics, (flash and video), email campaigns and even ppt presentations. Youll be expected to continuously push the boundaries with your creativity and challenge conventional approaches when most appropriate.
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Responsible to lead and manage the day-to-day operations of lending program, program administration, marketing, underwriting, risk management, construction process management, product development, policy oversight and development and social impact and compliance reporting.
This individual will work to achieve fundraising goals, developing relationships by engaging new sponsors, and keeping a strong connection with current donors.
Provide administrative and clerical support, maintaining office files, contact files, administrative files, staff calendars, schedule appointments, and assist in the coordination of logistics.
Seeking an organized, dynamic individual with independent work skills to work 30 hours/week (9 a.m. 3 p.m. Mon-Fri.) handling the day-to-day operations and administrative needs.
The Ritual Director will report to both the Cantor and the Ritual Vice President of the congregation.
We are looking to open a kosher cafe and are seeking an entrepreneur minded person to develop and create the space and run the operation. The right candidate should have some experience with the dining/catering business. Income will be taken from net proceeds of the business.
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FREE EVENT
OVER 100 VENDORS 5,000 BUSINESS NETWORKERS 30 EMPLOYERS June 14, 2012 from 1 to 7pm
at Lincolnwood Town Center
3333 W. Touhy Ave. Lincolnwood, IL
www.TheBusinessEvent.com
www.thejewishbusiness.com
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