Urban Views Weekly 8-13-14

AUG. 13, 2014

www.UrbanViewsWeekly.com August 13, 2014 Urban Views Weekly

1

THE DEAL

Here’s Credit 101 for Your College Freshman

By Jason Alderman

T

o parents with a freshman entering college this fall: You’re probably expecting to shell out major bucks for tuition, room and board, and a million other necessities over the next few years. But before you send your kid off, make sure you share one gift likely to steer him or her along the road to financial security – a sound understanding of how credit works.

You probably learned the hard way yourself that young adults encounter many unfamiliar expenses – and temptations – upon entering college or the workforce. So it’s important to help your kids avoid early financial missteps that could damage their credit for years to come.

The first step in managing personal finances is mastering the basic checking account and debit card. A few tips you can pass along: • Look for a bank or credit union that charges no monthly usage fee, requires no minimum balance and has conveniently located ATMs so you don’t rack up foreign ATM charges.

• Enter all transactions in a check register or in a budgeting tool like Mint. com and review your account online at least weekly to verify when deposits, checks, purchases and automatic payments have cleared.

• Avoid writing checks or making debit card transactions unless your current balance will cover them – such transactions often clear instantly.

A good way to build sound credit is to demonstrate responsible credit card use. But people under age 21 must have a parent or other responsible adult cosign credit card accounts unless they can prove sufficient income to repay the debt. So how can parents help their kids begin

building a credit history if they can’t open their own account? A couple of alternatives:

• Make them an authorized user on one of your accounts. They’ll get their own card and you can usually restrict the amount they’re able to charge. Authorized users are not legally responsible to pay balances owed – that’s your responsibility, so tread carefully.

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• You can add them as a joint account holder to a new or existing account – preferably, one with a small credit limit. Joint account VOL.7, ISSUE 33 Urban Views Weekly, llc holders are equally liable to pay off the account.

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• Just remember, any account activity, good or bad, goes on both Richmond, va 23230 Office: 804.441.6255 your credit reports, so careful account monitoring is critical.

Fax: 888.439.2534

If your kids haven’t yet demonstrated financial maturity, they may not be Ervin B. Clarke ready for an unsecured credit card or loan. Other alternatives include:

Publisher • A secured credit card, where users can charge up to the amount publisher@urbanviewsweekly.com

deposited to open the account. Purchases are charged against the account’s revolving credit limit. As they pay off the balance the available credit rises, just like a regular credit card. After a period of on-time payments, ask the lender to convert it to an unsecured card, or to at least add an unsecured amount to the account.

Flora C. Clarke

Administrative Assistant flora@urbanviewsweekly.com

Shelia O. Spurlock-Shaw Advertising

• A prepaid debit card, where you load the card with money in ad- shelia@urbanviewsweekly.com vance and they use the card for purchases or ATM withdrawals.

You monitor account activity online or by phone.

Brittany R. Hughes • With each, fees and restrictions may apply so shop around for the best terms.

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If you need help educating your kids about personal financial manage- FOR THE LATEST ARTICLES ment, a good resource is What’s My Score (www.whatsmyscore.org), a AND INFORMATION. financial literacy program for young adults run by Visa Inc. It features www.UrbanViewsWeekly.com a comprehensive workbook called Money 101: A Crash Course in Better Money Management, which can be downloaded for free.

Bottom line: Getting your kids off on the right foot, credit-wise, can make all the difference to their future financial health.

Jason Alderman directs Visa’s financial education programs. To Follow Jason Alderman on Twitter: www.twitter.com/PracticalMoney.

Advertising with Urban Views Weekly Supports the Non-Profit of The Month Project.

Contact us today, call 804.441-6255.

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Cover photo contributed by Good Shepherd Baptist Church, Petersburg, VA AAU football players are in the purple uniforms.

COMMUNITY

National Night Out

Family members took a moment to acknowledge each member of the Boys and Girls club who passed away due to violence.

They hung badges with the victims’ names and lit a candle for each one.

Ervin Johnson of Dream Makers Academy spoke about the need to communicate more to avoid problems and the importance of “bringing the community together.”

Saint Paul’s Baptist Church’s Daughters of the King mentoring group came out to participate in National Night Out. Photos by Ayasha Sledge, Photographer DivineByDesignImage.com www.UrbanViewsWeekly.com August 13, 2014 Urban Views Weekly

3

NUTRITION

Kick Start the School Day with Healthy Breakfast Ideas from Giant/Martin’s Nutritionists

W

ith back to school right around the corner, make sure you and your kids start the day in the right way with a quick and healthy breakfast. It’s true that kids who eat breakfast get more fiber, calcium, vitamins A and C, zinc and iron into their diets compared to breakfast skippers.

Kids who fuel up in the morning also tend to focus and concentrate better in the classroom.

Check out these tips from GIANT/ MARTIN’S nutritionists on some both easy and healthy ways to start the school day off right:

• Hectic mornings can make it difficult for kids (and parents) to find time for breakfast. Waking up just a few minutes earlier provides time to squeeze in a quick morning meal.

• Aim for as many food groups as possible at breakfast by incorporating fruits, vegetables, whole grains, protein and dairy into your meal.

• Fruit and yogurt is a tried and true quick breakfast. Choose Greek yogurt for extra protein boost. And beware of the sugar in the “kiddie” yogurts and yogurt tubes.

Check the ingredient list for added sugars and stick with those naturally sweetened

with fruit or make your own.

• Prepare breakfast the night before so you can grab and go in the morning. Try a whole grain tortilla with almond butter and banana rolled up, homemade trail mix with whole grain cereal, nut/seeds and dried fruit, whole grain crackers and fruit.

• Eggs are packed with protein, vitamins and minerals to keep you full and energized throughout the morning. They are also low calorie, at only 70 calories per egg. To keep eggs as a lean protein choice that is also low in cholesterol, use one egg and two egg whites as a serving.

• Egg mugs are a quick and easy way to prepare eggs in the morning. Spray a mug with non-stick spray and place in one egg and two egg whites and microwave for one minute or until set. Add your favorite cheese, vegetables and/or lean breakfast meat.

• Hard boil a dozen eggs at the beginning of the week. Cool, peel and place into an airtight container in the refrigerator. Grab an egg or two for a quick breakfast with fruit in the morning or make egg salad with toast.

• Setting the breakfast table the night before can make the morning run a little smoother. Put out a couple boxes of whole-grain cereal so all kids have to do in the morning is pick one, pour into a bowl and add milk.

• Smoothies are a great option to start your day with a nutrient rich boost. Just be careful about what you add to the blender as the calories can add up quickly. Add skim milk, Greek yogurt or 100% fruit juice and one cup of your favorite fruit. Don’t forget about adding vegetables like baby leafy greens such as baby spinach and baby kale, which have a milder flavor. Make ahead the night before and freeze in a to-go thermos for breakfast on the go.

• Experiment with different nut or seed butters and add to smoothies, whole grain pancakes, whole grain waffles or oatmeal.

• Read the nutrition labels carefully before you toss breakfast bars and pastries into your shopping cart. Keep it to no more than 8 grams of sugar and look for “whole grains” as the first ingredient. A protein granola bar and fruit is an easy option.

• Get kids involved with some “make and take” portable quickies. Put fruits in zip-top bags, freeze a yogurt and add half of a peanut butter and banana sandwich.

• Breakfast doesn’t have to be traditional. Start the day with a low sodium turkey sandwich on whole grain bread, light cheese and whole grain crackers or peanut butter and jelly on a high fiber wrap. Dinner “do-overs” are also an option. Try mac and cheese with ham cubes, cold veggie pizza, or a piece of cold chicken and a small dinner roll. Add fruit and you have a well-rounded “breakfast.”

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No matter what healthy option you choose, don’t forget how important it is to set a good example. Kids tend to mimic their parents’ actions so make it a habit to sit down and eat breakfast every morning. For more healthy tips visit www.giantfoodstores.com/ healthyideas or www.martinsfoods.com/healthyideas.

VIEWPOINTS

Open Season on Black Men & Boyz in America

By Dr. T

S

TAND YOUR GROUND… STOP & FRISK… JUSTIFIABLE HOMICIDE are all moniker-like terms that express an “open season” on Black Males in the USA, not unlike the reign of terror during the Jim Crow Era when lynching was a common-place occurrence, and there was no such thing as prosecution of a crime or even an acknowledgement that a crime had been committed. We have seductively been duped into believing that “things have changed” in America because we have a Black man in the White House.

If anything, the recalcitrance and outright rebellion in the U.S. Congress should assure everyone that we have not come as far as we may want to believe we have.

The GOP leaders (white males) gathered together in secret clandestine meetings on the night before President Barack Obama’s inauguration in 2009 to collude, conspire, and comply with a plan to destroy his presidency and deny him any type or suggestion of success as the nation’s First Black President, the first non-white President. In fact, many of them did not want to concede that he WAS the President at all. His first term in office was dogged by the incessant noise from the right that he was not even a “real” citizen of the U.S. and, therefore, could not possibly BE its President. To this day, there are those of the birthers’ persuasion that persist in promoting that ideology. The birthers are a movement within the Republican Party itself, and the established leadership of that party have, to date, refused to repudiate their nonstop perpetuation of the mythology of the President’s birth and de-legitimization of his Presidency. Unbelievable and so pathetic, and yet it is the country in which we live. It is the burden we bear as a land where we fight for the very freedom of expression and belief that spawn outrageous and racially-tinged hatred and violence such as the type we see exhibited under the cloak of “politics”, as well as the type we see disguised as Law Enforcement or 2nd Amendment Rights.

This past week’s conviction of Theodore Wafer, who shot and killed 19 year-old Renisha McBride, when she knocked on his door in the middle of the night to ask for help after she was in a car accident, gives us a small ray of hope in what historically has been an imbalanced system of justice. Wafer was found guilty of second-degree murder and manslaughter and faces life in prison. We shall see what happens after the sentencing.

He will be eligible for parole.

The recent gang attack and slaughter of Eric Gardner by the NYPD was ultimately declared a homicide. Gardner was publicly choked to death in broad daylight in front of a crowd gathered around, not unlike the public lynching that was a common practice throughout U.S. history, particularly escalating post Civil War and during the Jim Crow Era. Gardner was surrounded and rendered defenseless by a gang of police officers when the only threat he was demonstrating was being a large Black man. He was unarmed and never threatened or, in anyway, retaliated against the police. Just like a noose around his neck, the chokehold squeezed the life out of him in the public square as if it was a natural course of action in the eradication of a problem or public nuisance. Even though Gardner’s death has been ruled a homicide, no charges have been filed at this time. #Howmanymore?

Tawnya Pettiford-Wates, Ph.D. DrT@margins2thecenter.com

Artistic Director and Founder of The Conciliation Project www.theconciliationproject.org and a Professor of Theatre at VCU Up Next Week: How Crazy Is Fighting for PEACE?

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Are You Ready for Some Youth Football T he summer’s end means the beginning of the little league football season. All over the city, players are suiting up in their pads and helmets, ready to hit the gridiron. Boys as young as six are ready to learn the essentials of the game, while older youth and teenagers are poised to seriously compete and bring home their respective championships.

Youth Football Leagues

Richmond, like many other Virginia cities, is a football town with a variety of leagues throughout the metropolitan area. Some of these leagues are part of larger, national organizations, like the American Athletic Union (AAU).

These teams are ranked nationally, and depending on their success, they may earn the opportunity to travel and play other teams from across the country. Coach Charles Scott is the founder of the Central Virginia Hurricanes, a championship winning AAU team. His players have participated in games and tournaments within numerous states. He suggests that parents do their homework when choosing the right football team, by observing the coach and inquiring about his background. “Find out how long he has been coaching and watch how he interacts with the kids,” Scott advises. “It’s also better if he has played the game, especially if he played on a higher level.”

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American Youth Football (AY generally formed on a region The AYF is a big promoter o any contact for the first thre with Richmond area leagues ing each football season. Pop are required to allow every regardless of ability. These m excellence and hindering com mote sportsmanship and fai nity to experience the thrill o

All of these leagues general uniforms and league expens fer sponsorships to assist w Department of Parks, Recre filled with more than 35 nei September and continues th fee is only $25.

Weight Restrictions

When choosing a team, pare unlimited weight organizatio and weight ratio for eligibili for most of its teams. Its web lighter players, who do not h between the ages of seven a child falls outside of these p of the spectrum are unlimite grouped by age. For example to play on the team. There ar

The debate over little league

l?

By Erika Winston

YF) is another popular league in the metro area. AYF leagues are nal basis, encompassing one locality or an entire geographic area. of player conditioning. Its players are not allowed to participate in ee official practices. Pop Warner is another national organization s. Started in 1929, it boasts more than 200,000 youth players durp Warner operates under a mandatory play system, where coaches team member a specified amount of play time during each game, mandates are somewhat controversial, widely criticized as stifling mpetition. However, supporters assert that these regulations proirness, ensuring that all team members receive an equal opportuof the game.

lly require registration fees for each player, to cover the costs of ses. For parents who cannot afford the expense, some teams ofwith the cost. Another economical option is through the Richmond eation and Community Facilities. Each week, the city’s parks are ighborhood teams, competing citywide. The season starts in early hrough November. To ensure accessibility, the league registration

ents should consider the difference between weight restricted and ons. With restricted teams, athletes must fall within a specified age ity. The Pop Warner organization implements weight restrictions bsite states, “Pop Warner’s age-weight schematic protects younger, have higher injury rates.” The mitey-mite team members must fall and nine, with a weight range between 45 and 95 pounds. If the parameters, he may be prohibited from playing. At the other end ed weight teams. These organizations create teams that are solely e, an 8U team means that players cannot be older than 8-years-old re no limitations placed on the player’s weight.

e weight restriction is a controversial one, with passionate support-

ers on both sides. Advocates of the limitations point to the safety of lighter kids, asserting that smaller children are at an increased risk of injury when placed into leagues with children who may weigh significantly more than them. Opponents of these rules assert that they are prejudicial to heavier children, leaving them without the physical activity that many of them desperately need. Other criticisms include the limits they place on teams to find adequate players and the unhealthy measures taken by some players to make the weight limits, including crash diets.

Scott coaches the 14U Canes team. In his opinion, unlimited weight is the best way to play real football. “There won’t be weight limits when they get to high school.” He spoke about striper rules, where larger players are allowed to play defense, even though they are prohibited from running the football. “You have bigger kids who can’t play at all, or can’t run the ball, which is not fair.”

Concussion Concerns

Little league football parents should also consider the risk of concussion that inherently comes along with the game. Concussions are a form of traumatic brain injury (TBI). They occur when the brain moves around rapidly from a bump or sudden jolt. When it hits against the skull, brain cells can become damaged. Signs of a concussion include headaches, nausea, and blurry vision.

Players may also report sensitivity to light and blurred vision. Parents may notice increased clumsiness or confusion. They may also observe severe personality changes and forgetfulness in a child with a concussion. It is vitally important to get adequate treatment quickly. Though concussions are generally considered mild TBIs, continuous injuries can lead to more serious injuries with long-term effects.

Most little league football organizations take concussion risks very seriously. They offer training sessions for parents and players. The AYF requires coaches to complete a specialized concussion awareness program. Its teams also provide players with baseline testing, which assists in the assessment of symptoms when concussions do occur. By working together, parents and coaches can create an environment that promotes fun, and more importantly, wellness.

For many coaches, little league football is much more than just an opportunity for play. It’s also a tool for teaching valuable lessons and developing important life skills. “Football is parallel to life,” explains Scott. “It teaches responsibility, accountability and respect, as players learn to set goals and persevere.”

www.UrbanViewsWeekly.com August 13, 2014 Urban Views Weekly

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CIVIC BEAT

FUNdraising Good Times

The First 72 – Don’t kill your fundraising

A

sking for a donation to your nonprofit is one component of fundraising. How that gift is processed once it is received is another. Both are important. Your actions can strengthen a donor relationship, or contribute to its demise. “The First 48� is a TV crime show that stresses the importance of the first 48 hours to the overall criminal investigation. Create guidelines for “The First 72� to keep fundraising on track. Letting gifts “pile up� and processing them once every week or two may appear efficient, but this process may require investigation!

Here are questions to answer when creating your First 72.

Is this a new donor or returning donor? If a new donor, ensure all contact information is entered or imported into database. If you know who solicited or referred the donor, record that information. If a returning donor, ensure contact information is up to date, name is spelled correctly, and you are not inadvertently creating duplicate donors. (Don’t laugh... Andrea Johnson, Andrea Tammy Johnson and Tammy Johnson may all be the same person!)

Is the gift an “unrestricted� or “restricted?� This refers to the wishes of the donor. This issue typically arises with larger gifts, when a donor requests that funds be used for a specific program or purpose. Make sure you honor your donors’ requests. More on this topic in a future column.

For now, be sure to document gift restrictions and honor them.

What information will this donor receive in the future? Will they receive all communications? General communications plus those related to a specific area of interest? Add them to appropriate lists. Make sure they receive appropriate, timely print and electronic information going forward.

Does the donor have questions or concerns? Who will call or email the donor in order to respond? Don’t let these slip through the cracks! Related to this, was a premium promised? If yes, make sure it is sent out quickly. When a major gift is received, make sure staff and leadership know the gift’s impact. Don’t keep good news a secret!

Finally, run gift reports each week and share with leadership and fundraising volunteers. This Who should thank the donor? Is an email enough? When should you send a letter? Who helps build fundraising momentum, and lets solicitors know who has made a gift so they can should sign it? Should a telephone call be made? By whom? Figure these things out in ad- personally say “thank you.� Leadership can review these reports and make decisions regardvance, and be consistent. ing future cultivation and potentially increase a donor’s gift.

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The First 72 is critical to sustaining and growing your donor base. Treat donors well from the beginning to avoid a donor attrition investigation.

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Mel and Pearl Shaw position nonprofits, colleges and universities for fundraising success. For help with your campaign, visit www.saadandshaw.com or call (901) 522-8727.

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EDUCATION

Freshman Trojans Checking In Freshmen and transfer students arrived Friday and Saturday in preparation for the 2014-2015 academic year, which begins Monday, August 18.

Members of the internationally acclaimed Trojan Explosion Marching Band Drumline helped welcome freshmen to Virginia State University on Friday, August 8.

VSU fraternities and athletes Local students joining the incoming VSU class include Alexis Bain of Chesterfield and Parker Davis assisted families with the move- of Richmond, whose families joined them at the move-in. in. VSU anticipates an incoming freshman class of nearly 1,100 students.

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