Light up Midtown festivities continue throughout December
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CHARLENE CROWELL: Payday loans, overdraft fees are predatory products Page 4
A ROUNDUP OF LOCAL SPORTS See page 7
East Central Florida’s Black Voice
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DECEMBER 13 - DECEMBER 19, 2012
YEAR 37 NO. 50
Daughter: Dad deserves honor at park
Request to rename part of Derbyshire after Harold V. Lucas goes before city board this month BY JAMES HARPER DAYTONA TIMES email@example.com
The daughter of a popular Daytona Beach educator and coach, who is now retired, wants the city to rename part of Derbyshire Park after her dad. Dr. D’Lorah A. Hyacinth, a motivational speaker, author and minister who also works for Volusia County Schools in human re-
sources, has acquired the required number of signatures for the Daytona Beach Planning Board to consider renaming the park after Harold V. Lucas. Hyacinth initially wanted the entire park named after Lucas. During a recent meeting with Daytona Beach staffers, it was suggested that only the playing field be named in his honor. “After conferring with city staff, I now understand the
desire to preserve the current name of the park and to not detract away from Mayor (Yvonne Scarlett) Golden’s new facility,” Hyacinth stated. “Therefore, I have amended my request and am now seeking to name the athletic fields of the park as the Harold V. Lucas, Jr. Athletic Fields.”
Planning board first The first hurdle for Hyacinth to get over is ap-
proval from the planning board, but the ultimate decision will be made by Mayor Derrick Henry and the city’s commissioners. Hyacinth’s proposal goes before the planning board on Dec. 20. She submitted
the petition on Oct. 5 She spoke at a Dec. 5 city commission when she learned that commissioners were considering changing the requirements for naming city property and streets. “My petition should not be targeted (nor should new requirements) impact the petition I submitted,” Hyacinth told the commissioners. The commissioners were in agreement that the threshold to renaming is too low but assured Hyacinth that her petition will
The gift of graduation
be judged under current guidelines. She told the Daytona Times on Wednesday, “During the commission meeting, it was clearly stated that my request would fall under the current renaming policy. Therefore, I no longer have concerns regarding city staff’s desire to change the policy while my request is pending.’’
Naming policy Daytona Beach resident Marjorie Johnson said at Please see PARK, Page 2
Orange Avenue overhaul to start in Midtown BY JAMES HARPER DAYTONA TIMES firstname.lastname@example.org
Provost Dr. Hiram C. Powell, right, assists in the bestowing of an honorary degree upon Bishop Kenneth H. Carter, Jr., presiding bishop of the Florida Conference of the United Methodist Church.
More than 130 receive degrees during December commencement Dr. Edison Jackson participated in his first Bethune-Cookman University graduation on Dec. 8 during the school’s first fall graduation in 20 years. Jackson oversaw the graduation of more than 130 students. The interim president said he decided to bring back fall commencement at the request of the students and faculty. During the commencement, the university bestowed honorary degrees upon Bishop Kenneth H. Carter, Jr., presiding bishop of the Florida Conference of the United Methodist Church; and Michelle Carter-Scott, alumna, philanthropist and community leader.
Michelle Carter-Scott, left, also received an honorary degree during the Dec. 8 commencement. PHOTOS COURTESY OF JOHN REEVES/ B-CU
$20 in diplomas Emeritus Board of Trustee member Lee Rhyant was the commencement speaker. In each of the diplomas presented to grads was a $20 bill from Rhyant in memory of his mother who scraped together money for her son 40 years ago, which included a $20 bill, after she learned her son’s clothes had
Daytona middle school students visit Capitol Florida Rep. Dwayne Taylor was treated to a visit by 120 students from David C. Hinson Middle School in Daytona Beach on Dec. 4. The students were joined by their teachers at the state Capitol Complex in Tallahassee and learned about the legislative process. “It was a joy to have the opportunity to speak to our young people,” said Taylor, who represents
District 26, which covers inland areas around Daytona Beach. “The future is in good hands.” Taylor also extends an invitation to other schools in his district to visit the Capitol, and encourages students to learn more about how local, state and federal government works. To set up a tour of the Capitol and visit Taylor, contact his office at 850-717-5026 or 386-239-6202.
been stolen. He shared with the students that his mom put the money in an envelope as a graduation present to Rhyant so he could buy some new clothes. Aside from being the name on the university’s recently built $6 million Lee Rhyant Residential Life Center, he is a retired executive for LockheedMartin and Rolls-Royce Aerospace.
The chairman of the Midtown Area Redevelopment Board was told by the Daytona Beach City Commission that construction will begin at Nova Road instead of Beach Street when a massive overhaul of Orange Avenue begins next year. Hemis Ivey, board chair, also learned on Dec. 5 during a city commission meeting that elected officials awarded a $700,000 contract to local firm McKim & Creed to bring the current construction plans to 100 percent design stage for the Orange Avenue reconstruction project. The recent acquisition of State Revolving Loan funds and the $4.8 million in Florida Department of Transportation (FDOT) grants has made the $19 million Orange Avenue reconstruction project feasible provided the city redesigns the project to FDOT standards in time for the issuance of bids no later than July 1, 2013. The information was reported at the Dec. 5 meeting. It is estimated that it will take 20 to 24 months to complete the construction.
No million from board Ivey was upset that $1 million was initially taken out of Midtown Area Redevelopment funds to complete the project and requested that instead of using their funds – which the board would like to be used elsewhere in Midtown – monies be taken from public utilities coffers instead of CRA funds. “We are the only ones (board) contributing one million dollars,” said Ivey. Please see ORANGE, Page 2
On Dec. 4, students from David C. Hinson Middle School visited the Florida State Legislature in Tallahassee. They are shown in the House Chambers with Rep. Dwayne Taylor.
DECEMBER 13 - DECEMBER 19, 2012
Community Calendar To list your community event FREE, e-mail us at email@example.com. No phone calls or faxes, please. Events are listed on a space-available basis, and in the sole discretion of the Daytona Times staff. Effective immediately, paid events will no longer be listed in the Daytona Times Community Calendar. You can advertise local events for as little as $35 per week. Call 813-319-0961 or email sales@daytonatimes for more information.
Compiled by the Daytona Times Riverfront Market The Riverfront Market event featuring artists and artisans showcasing their wares from 10 a.m. to 4 p.m. will be held in Downtown Daytona on Dec.
15. The three block shopping experience features vendors showing pottery, glass, jewelry, home décor, jewelry, holiday items, arts & crafts and more. More information: codb.us.
Flu shots at health centers The Volusia County Health Department is offering the flu vaccine at its health centers in Daytona Beach, DeLand, New Smyrna Beach and Deltona.
The prices are $25, flu; $45, high-dose flu zone (for residents 65 and over); and $65 for pneumonia. The health department accepts Medicare Part B and non-HMO insurances. The centers are located at 1845 Holsonback Drive, Daytona Beach; 7171 W. Canal St., New Smyrna Beach; 935 N. Spring Garden Ave., DeLand; and 3151 Howland Blvd., Deltona. Kwanzaa event in Palm Coast The African-American Cultural Society, Inc. will celebrate the Kwanzaa principle of Ujamaa – cooperative economics
-- from 10 a.m. - 4 p.m. Dec. 29 at 4422 N. U.S. Highway 1, Palm Coast. A panel and community discussion “Recalling the Spirit if Community” will be held from 10 a.m. - noon followed by intermission with vendors and refreshments followed by entertainment at 3 p.m. To reserve a vendor space, call at 386-597-0333 or 386-569-9940. Downtown holiday event The Home for the Holidays event is at Riverfront Park from 1 p.m. -6 p.m. Dec. 15 featuring holiday music from area choirs and bands. Other activi-
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Area residents have been participating in a multitude of holiday activities in Midtown. A health fair was held Dec. 1 at Daisy Stocking Park followed by the first tree lighting later that evening. On Saturday, Dec. 8, a Christmas parade was held through the heart of Midtown consisting of area bands, churches and community organizations with floats, marching units and cars. A step show is scheduled Dec. 15 from 1 p.m. to 5 p.m. at Daisy Stocking Park. This event will highlight local Greek sororities and fraternities as well as local high school and community talent. Local vendors will be invited to set up in the park to provide a variety of cultural food and merchandise. The local chapter of the National Pan-Hellenic Council of Greek Sororities and Fraternities is assisting with this event, which is open to the public for free. Local business owners and residents, who decorated their establishments and homes in the holiday spirit using guidelines set by a list of judges, will receive recognition and awards at the Dec. 19 city commission meeting.
Left: Shanda Nobles, general manager of VITAS Innovative Hospice Care, was one of the parade marshals.
The “Christmas in Songs’’ event will culminate a month of special activities with a gospel extravaganza. It’s Dec. 22 from 1 p.m. to 5 p.m. at Daisy Stocking Park. The event will host local choirs and other talents geared toward the holiday spirit. Applications are being accepted for this event. There is no charge to participate or attend. For more information, call 386-671-8185 or 386-2142586.
from Page 1 the last commission meeting that she also is worried about criteria used to rename streets and public property. She asked, “Are you checking these people out to see if they have a bad record? Check these people out to see if they have a criminal record.’’ City Manager Jim Chisholm told Johnson that the current policy does not speak to that issue, which is one of the reasons the city would like the current commission to take a look at updating guidelines. Johnson’s comments were not in reference to
Lucas’ accomplishments Hyacinth says her father Harold V. Lucas, Jr. fits the bill to have the park renamed in his honor. Information about Lucas she provided included his service as a Korean War veteran, 40 years as an educator and administrator, 50 years as an athletic coach
Ron McLemore, Daytona Beach’s Public Works Department director, informed Ivey that financial sources for the Orange Avenue project no longer includes funds from the board he oversees. The project is estimated to cost $19 million. He said $12 million will be coming from utility operation funds, $4.8 million from an FDOT grants, and the city will be requesting $2.2 million from Volusia County since Orange Avenue is considered a county road. McLemore said the design process of the thoroughfare started Wednesday after the commissioners approved the $670,000 bid to McKim & Creed. McLemore said as part of the design process, public input will be sought prior to approval of the final design. He also said public meetings have an example of the redesign of Orange Avenue, which will run from Nova Road to Beach Street. “By the end of the year, we could be in construction,” Chisholm said about the project, which is expected to take two years to complete.
Above: Daytona Beach Commissioner Paula Reed shares a ride with Santa during the Dec. 8 parade.
‘Christmas in Songs’
the renaming of Derbyshire Park. She said she had concerns about renamings that have taken place in the past. The city established the policy for naming cityowned land and facilities in 1999 due to occasional requests to consider naming or renaming a city facility to honor or commemorate a person or event.
Holiday luncheon for seniors Unified Ministry’s second annual Senior Citizens Christmas Luncheon is Dec. 15 at noon at Mt. Bethel Institutional Church, 700 S. Dr. Martin Luther King Jr. Blvd. More information: Call Rev. Inez Stafford at 386-2955915.
Light up Midtown festivities continue throughout December
ties will include the Shergren Farms Petting Zoo and Santa’s Workshop. The Home for the Holidays event is free and open to the public. The 12th Annual Daytona Christmas Boat Parade on the Halifax River begins at 6:30 p.m.
PHOTOS COURTESY OF CITY OF DAYTONA BEACH
and philanthropist. Hyacinth also noted that Lucas established the track and field program for the Florida School for the Deaf and the Blind, was selected to sit on the inaugural Educational Standards Commission, and developed the prototype for discipline guidelines in Volusia County Schools while serving as assistant principal at Mainland Senior High School. “This came about in an effort to ensure equality of discipline consequences in the midst of recent desegregation,” Hyacinth said. Hyacinth said that while Lucas’ resume details his accomplishments, “It cannot speak to the value of the interactions that he has had with those whom he has taught, coached and
mentored. Throughout his career and even in retirement he has personally touched the lives of thousands of young people, who are now touching the lives of others.”
Longtime ties to B-CU Lucas’ father, Harold V. Lucas Sr., founded the business department at Bethune-Cookman and his mother, Beatrice Cato Lucas, was the first Miss B-CC (Bethune-Cookman College). Hyacinth said B-CU has always been a major part of her father’s life because as a youngster he accompanied his father on visits to the school’s founder, Dr. Mary McLeod Bethune. Hyacinth also noted that
her father was a Wildcat mascot, water boy, trainer for the football team and BCC’s first kicking specialist on the football team. “He has contributed
countless hours to Bethune-Cookman University athletics and has contributed financially to numerous areas of the university,” Hyacinth added.
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My Skills. My Benefits. My Future. Are you a 35 to 60 year-old unemployed Veteran looking for a new career? Veterans Retraining Assistance Program (VRAP) For more information visit
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888-442-4551 "Helping Veterans Attain Personal and Economic Success"
DECEMBER 13 - DECEMBER 19, 2012
By Jeroline D. Mccarthy | Daytona Times
School board hears presentations on Disproportionate Minority Contact Cheryl Massaro has a mindset of giving purpose and challenging various organizations to understand what Disproportionate Minority Contact (DMC) means. Among the presentations made at a recent workshop of the Flagler County School Board was Massaro’s. She’s the Circuit 7 Board chair for
the Department of Juvenile Justice (DJJ), serving Putnam, Volusia, St. Johns, and Flagler counties. School board members are pre-empted from addressing issues brought to the floor at the workshops. Accompanying Massaro was Assistant Chief Debra Knight, Circuit 7, DJJ; DMC Co-Chair Marian Irvin, Fla-
Section 8 applicants asked to contact county Volusia County residents who applied for the Housing Choice Voucher (Section 8) Program through the county are asked to contact the county’s Community Assistance Division to update their information. Pre-application status verification forms were mailed to the 869 residents on the waiting list on Friday, Dec. 7. Applicants must
complete the form and return it to Community Assistance by Friday, Dec. 21. The notice is available at www.volusia.org/waitinglist. Applicants who do not respond by the deadline will be removed from the waiting list. Volusia County is not accepting new Section 8 applications at this time. The last time the waiting list was
gler County Teen Court; CoChair Shantelle Britt, the Boys and Girls Club; and Clinical Christian Counselor Maria Barbosa. The other players are Denise Calderwood, Focus on Flagler Youth; Pastor Sim Jones, People Helping People; Katrina Townsend, Student Services, Flagler County Public Schools; and Jerusha Logan, education chair, Flagler County NAACP. With Logan was NAACP Branch President Linda Sharpe Haywood, other NAACP members, and Community Youth Advocate Keyontay Humphries of the Southern Poverty Law Center (SPLC), the Montgomery, Ala.-based civil rights organization.
Getting others on board Massaro’s discussion came in the wake of a complaint by the SPLC, which was filed with the federal Office of Civil Rights (OCR). The complaint stipulates opened was in 2009. The Housing Choice Voucher Program is a federally funded rental assistance program designed to help very-low-income families, the elderly and disabled to obtain decent, safe and sanitary housing at an affordable price in the private market. Participants are free to choose any housing that meets the requirements of the program. For more information, call 386-736-5955 or send an email to CommunityAssistance@volusia.org.
East Central Florida’s Black Voice Visit us online at daytonatimes.com
COMMUNITY M ANEWS YOR
DECEMBER 14 - 20, 2006
Cheryl Massaro is the Circuit 7 Board chair for the Department of Juvenile Justice. that “African-American students in the school districts of Escambia, Bay, Okaloosa, Flagler, and Suwannee counties are suspended, expelled, and arrested at school for relatively minor and non-violent conduct.” A complaint was filed separately for each county. Massaro branded Disproportionate Minority Contact as a federal mandate during the workshop, which was discussed initially by Congress in 1988, inasmuch as “minority youth come into contact with the juvenile system at a higher rate than their white coun-
terparts. The proportion of minorities increases with each successive step into the system.” Massaro said the biggest consequence for a state that does not address DMC is that “you will lose 20 percent of any grant that you apply for.’’ “As a state, it can even transcribe down into our little Flagler County school system, and some of those grants that we apply for are very important for maintaining our system,” she continued. “That’s why we need to address this as a community, not just as a lit-
No Votran services on holidays; free trolley service on New Year’s Eve SPECIAL TO THE DAYTONA TIMES
Votran will not operate bus service Christmas Day, Tuesday, Dec. 25, and New Year’s Day, Tuesday, Jan. 1, in the Greater Daytona Beach Area, Southeast and West Volusia County areas. Votran night service will close two hours early Christmas Eve, at approximately 10 p.m. on Monday, Dec. 24. Votran will waive fares for New Year’s Eve trolley and night service beginning at 7 p.m. Dec. 31. “This is a safe and festive way to get around town,” said Steven Sherrer, Votran general manager. “The service coincides nicely with the county’s
tle committee. We need the whole community to buy into this concept.” The partners on board with the DJJ are the Department of Education, the Department of Children & Families, and SEDNET (the Students with Severe Emotional Disturbance Network). Massaro has presented the issue to the Kiwanis Club and is planning a message to take to social groups, the Flagler County Commission, and to anyone so the information can get out. ••• As always, remember our prayers for the sick, afflicted and bereaved.
Happy Birthday to You! Birthday wishes to: Linda Sharpe Haywood, Christine H. Robinson, Dec. 16; Loida Dehaney, Dec. 18. Happy anniversary to Bert and Shirley Hinds, Dec. 19.
Light Up Volusia Nights partnership in the core beach area. It gives residents and visitors another transportation option to go ice skating at the band shell and take in the sights and sounds of the New Year’s Eve festivities.”
Service until 2 a.m. The trolleys will serve the Main Street Daytona Beach New Year’s Eve celebration and other destinations on S.R. A1A. The trolley route operates from Granada Boulevard to Dunlawton Avenue with a loop onto Beach Street between Orange Avenue and International Speedway Boulevard. The trolleys will operate with night Routes 1 and 17 to provide service every 20 minutes until 2 a.m. on Jan. 1. The free night service is available to the public. The regular night service routes 3, 4, 10, and 15 will end at their normal time published in the schedule. For more information, call Votran at 386-761-7700 or visit votran.org.
Once you know, there’s only one place to go. Perhaps you’ve been running all over town to save a little bit here and a little bit there. When all the time, you could save just as much at Publix, and enjoy the shopping experience, too. So relax—we’ve got you covered. Go to publix.com/save right now to make plans to save this week.
DECEMBER 13 - DECEMBER 19, 2012
Occupation of Palestine compared to South African apartheid We, as African-Americans, simply could not remain silent when word broke of the Israeli bombings of Gaza. Along with Cornel West and others, we circulated a petition condemning the aggression and demanding an end to the occupation. While most of the mainstream media immediately jumped to the defense of Israel, the AfricanAmerican political establishment remained silent about the entire episode. We cannot cede our voices on foreign policy to others. AfricanAmericans have a moral and economic stake in the outcome of the Israeli-Palestinian conflict. The United States sends 8.5 million tax dollars a day to Israel. Both former U.S. President Jimmy Carter and past South African President Nelson Mandela, among others, compare the occupation of Palestine with South African apartheid.
Brutal violence The most recent Israeli government attack on Gaza was an example of brutal violence. The power relationship between Israelis and Palestinians is asymmetric. That’s another way of staying, “Israelis hold disproportionate strength over Palestinians. Not only does Israel possess one of the strongest military establishments in the world, but that country is also a nuclear state, retaining at least one hundred nuclear weapons as well as delivery capability. On the other hand, the Palestinian rocket fire that is highlighted in the media is no match for Israel’s military power. The lopsided casualties – six Israelis and
BILL FLETCHER AND ANGELA M. GILLIAM NNPA COLUMNISTS
conservatively more than 150 Palestinians killed – tell the story. Gaza has been blockaded ever since the people there voted in 2006 for Hamas to lead them. The blockade causes significant scarcity of medical supplies and treatment, food, and greatly restricts movement of Palestinians. Despite global protests that such actions constitute “collective punishment” and under the Geneva Convention are unlawful, the Israeli government has carried out horrendous military assaults on Gaza resulting in widespread devastation, food insecurity and over 1000 mostly civilian causalities in the 2008 air strikes alone.
Israel breaks ceasefire In the immediate case, there have been military clashes between Israeli government and various Palestinian groups in Gaza. What was extraordinary about the circumstances leading to the November 2012 crisis was that a cease fire had been negotiated between Israel and Hamas. The cease-fire, mediated by Egypt, was broken within two days by the Israeli assassination of the Hamas military commander, Ahmed alJaabari, quickly followed by Israeli air strikes. Though a new cease fire was arranged through the assistance of the Egyptian government, under-
lying problems remain. Israel has officially ignored all United Nations resolutions calling for their withdrawal from the Occupied Territories, and refuses to permit Palestinians the internationally recognized “right of return” to lands from which they were driven beginning in 1947. Thus, more and more Palestinian land is devoured in ways that are reminiscent of the treatment of the indigenous peoples of North America and the Black majority in apartheid-era South Africa.
Hispanics not a race This is what the so called experts are missing: According to the Census Bureau, there are about 50 million Hispanics in the U.S. Approximately 12 million are believed to be in the country illegally. So, that leaves 38 million Hispanics who are Americans. Of the 38 million, approximately 40 percent are voting age population (VAP). Therefore there are about 15 million Hispanics that are eligible to vote. Hispanics are approximately 16 percent of the nation’s population, but only 10 percent of eligible voters. Even worse, only 7 percent vote. The Hispanic pop-
RAYNARD JACKSON NNPA COLUMNIST
ulation of eligible voter is smaller than any other group (VAP). The VAP for Whites is more than 77 percent, for Blacks 67 percent, and for Asians 52 percent. Approximately 69 percent of Black VAP and 58 percent of Hispanic VAP are registered to vote; there are more than 7 million people in each group of VAP who are not registered to vote. According to the Pew Hispanic Center, more than 25 million Blacks were eligible to vote in November. For Whites, the figure was 152 million. Each group alone was larger than the Hispanic electorate. As you know, Hispanics are an ethnic group, not a race. And they can self-identify as either Black or White. Even in reaching out to Hispanics, some GOP handlers are ignoring the fact that there are Black Hispanics. So, all the hype about the power of the Hispanic vote is just that – hype. But, the bigger message to the Republican Party is: Stop pick-
The Obama administration has had an opportunity to break from the past U.S. unconditional support for Israel and strike a more balanced stance that could play a meaningful role in negotiating for a lasting and just peace in the Middle East. Unfortunately, the Obama administration immediately endorsed the actions by the rightwing Israeli government. Instead, the U.S. should cease providing military assistance to Israel and stop the economic aid that permits Israel to thumb its nose not only at the Palestinians and the United Nations but most of the world’s people as well.
Bill Fletcher, Jr. is a senior scholar with the Institute for Policy Studies, the immediate past president of TransAfrica Forum, and the author of two books on labor unions. He can be reached at firstname.lastname@example.org. Click on this story at www.daytonatimes.com to write your own response.
ing various demographic groups to be your flavor of the month. Go after all the votes in earnest. A change of policy can save the Republican Party.
New GOP leadership But who is that leader? Who is willing to kick the door down and demand a change in policy? Is it current party chairman, Reince Preibus? Is New Jersey Gov. Chris Christie? Is it Louisiana Gov. Bobby Jindal? Or is it us? Is it that man in the mirror? What are we Black Republicans willing to do to force change upon our party? I have tried but I can’t do it alone. Who is prepared to join me? Who is willing to stop looking for validation from Whites within the party? These questions will be answered by early next year. Time is not on the side of the Republican Party.
Raynard Jackson is president & CEO of Raynard Jackson & Associates, LLC., a Washington, D.C.-based public relations/government affairs firm. He can be reached through his website, www.raynardjackson. com. Click on this story at www. daytonatimes.com to write your own response.
Living on $35 worth of food stamps only hype Newark, New Jersey Mayor Corey Booker, following the example of Phoenix, Arizona Mayor Greg Stanton, is accepting a challenge to live on a $35 food stamp budget for one week. Mr. Mayor will add to his resume of shoveling snow and rescuing a woman from a burning house this latest feat that some news reporters are calling an “experiment.” Booker’s background, going back to his youth, includes other out-of-the-box actions, which are admirable and respectable. However, this experiment, as some are calling it, will not go down as one of them. A person who earns more than $13,000 per month going for one week on what is essentially a diet may be a nice news story but does nothing to alleviate the reality of those who are on that “diet” every day. The “bringing to the attention of the general public” angle is worth a 30-second or even a 60-second sound-bite, but it’s not like folks in this country don’t already know the stigma and trauma and futility of feeding one person, much less three of four persons, on a weekly allocation of food stamps.
David Fitzsimmons, The Arizona Star
U.S. stops backing Israel
Republicans should focus on Blacks, not Hispanics I am constantly amazed by the lack of any meaningful, insightful post-election analysis on the various media outlets (radio, TV, newspapers). You would think that everyone is hanging out at the same places because all the analysis seems to be the same: “Republicans have to find a way to garner more of the Hispanic vote.” So, if I am to believe these socalled analysts, the Black vote is irrelevant and non-existent. The Black vote is rarely mentioned as being important to either party.
VISUAL VIEWPOINT: WISH LIST
Payday loans, overdraft fees are predatory products More than 37 million American households were either unbanked or under-banked in 2011, according to a new report by the Federal Deposit Insurance Corporation (FDIC). African-American households represent 34 percent of all under-banked consumers, the highest percentage among demographics surveyed. When under-banked African-American and Latino households are combined, these two communities of color comprise more than 60 percent of the nation’s underbanked households. Unbanked Hispanics households use alternative financial services (AFS) more actively than any other racial or ethnic group. FDIC defines a household as “unbanked” if no one in the family has a checking or savings account. “Under-banked” households are those that have a checking or savings account but rely on AFS to transact personal business.
Debit card use up Another new FDIC finding is that the use of prepaid debit cards is growing, particularly among those who have never banked and the previously banked. From 2009 to 2011, use of prepaid debit cards by consumers who have never held bank accounts nearly doubled from six to 11 percent. Previously banked consumers’ usage grew from 19 to 27 percent. Beyond racial disparities, unbanked and under-banked consumers find that AFSs are more convenient, easier to access, and present lower barriers to qualification than traditional banking. Ease of access was most often mentioned by consumers as the deciding factor in their choices. The second most frequent reason unbanked and under-banked consumers chose AFS was that banks either did not make smalldollar loans or the consumers did not qualify.
Unbanked dominate South More than half of 2011’s under-banked consumers felt purchasing non-bank money orders or using a non-bank check-cashing service was more convenient than bank services. Unbanked consumers agreed by more than 29 percent. On a state-by-state basis, FDIC’s analysis found the highest incidence of unbanked consumers in the South: Alabama, Arkansas, Louisiana, Mississippi,
Charlene Crowell NNPA FINANCIAL WRITER
Oklahoma and Texas. Of those states, the highest percentage of unbanked consumers live in Mississippi (more than 15 percent.) FDIC’s metro area data revealed that Texas’ most populous city, Houston, had the highest percentage of under-banked consumers (more than 28 percent). Other metro areas with 20 percent or higher numbers of under-banked consumers were: Austin, Texas; Baltimore, Md.; Kansas City, Mo.; Little Rock, Ark.; New Orleans; and Rochester, N.Y.
Payday loan dependency Uriah King, vice-president for state policy at the Center for Responsible Lending (CRL), said, “Payday loans are no easy fix. Borrowers have to take out loan after loan just to stay afloat.” Earlier CRL research found that payday loans lead to longterm debt. The payday industry’s $27 billion annual loan volume is largely derived by “loan churning,” the practice of taking out a new loan in order to pay an earlier one. Other CRL research on overdraft fees found that most debit card transactions were triggered by an average expenditure of $20, but the typical fee charged for each overdraft is $34 per transaction. It could be argued that the increase in prepaid card usage is related to the high overdraft fees charged after consumers receive their monthly bank statements. Uriah King of the Center for Responsible Lending stated. “Usurious payday loans and overdraft fees are clearly predatory products. No wonder so many consumers simply opt out completely. These findings uncover how far afield big bank practices are from serving the needs both families of color and/or low-income communities.”
Charlene Crowell is a communications manager with the Center for Responsible Lending. She can be reached at Charlene.email@example.com. Click on this story at www.daytonatimes. com to write your own response.
do that every day without the fanfare and drumrolls.
JAMES CLINGMAN NNPA COLUMNIST
A week of “fasting” The walk a mile in my shoes angle may demonstrate some compassion and maybe even some temporary empathy, but after the week is over, and even during the week of rationing food, or as some may even call “fasting,” the celebrity goes back to a much better life, as if he or she ever left it at all. Real people on food stamps must stay in that place for much longer than a week. Maybe some need to live for a week on food stamps to know what others are going through; but I don’t. Just like I don’t need to spend a week in prison to know I never want to be there. I don’t need to live on $1.40 per meal to know that people on food stamps are having a very difficult time doing so. As I said, it’s nothing more than a one-week diet as far as I am concerned, and many people
Don’t believe hype Folks on food stamps live every day as guinea pigs for the food stamp “experiment.” So, is the hype about Booker’s one week sacrifice to eat less a publicity stunt, exploitation, or a sincere effort to change the poverty conditions of millions on food stamps? Only Mayor Booker can answer that. Let’s not make this food stamp issue just another political advantage for election or reelection. People in this country are suffering, and many who have to eat on the food stamp plan would much rather have an alternative – like a job. We should do what we can to help them, and we should do it not for publicity or accolades, but because it’s simply the right thing to do.
Jim Clingman is founder of the Greater Cincinnati African American Chamber of Commerce. Click on this story at www.daytonatimes.com to write your own response.
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- december 19, R 2012 M AYO
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UNOH Battle At The Beach Trophies unveiled The winner’s trophies for the inaugural UNOH Battle At The Beach on Feb. 18-19 at Daytona International Speedway were unveiled last weekend during the NASCAR Touring and Weekly Series Award Ceremonies in Charlotte, N.C. The trophy is shown right. A complete UNOH Battle At The Beach schedule, including gate opening times, practice and qualifying race times for both days, is available at the UNOH Battle At The Beach event page. Tickets can be purchased online at www.daytonainternationalspeedway.com. PHOTO COURTESY OF NASCAR
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december 13 DECEMBER - DECEMBER 14 -19, 20,2012 2006
Basketball team looking for consistency BY ANDREAS BUTLER DAYTONA TIMES firstname.lastname@example.org
The Wildcats clawed their way to a 85-72 win over the NAIA (National Association of Intercollegiate Athletics) opponent Webber International at Moore Gymnasium on Saturday. Adrien Coleman scored 18 points with 15 rebounds and 10 assists to get the first recorded triple double in history for B-CU. “I feel like it was a good allaround game. We played as a team and shared the ball, but we could have played better defensively,” said Coleman. Alex Smith posted career highs in points (24) and rebounds (10) with a game high four blocks while Marc Mack had a career high 10 points for the Wildcats. “I felt like I had to step up especially with J.B. (Javoris Bryant) fouling out. I was recruited to block shots,” Smith remarked. The Warriors put up a fight and led for most of the first. They led 15-8 after a three pointer by Tyler Auerbacher with 13:53 to go in the half. “I warned them that Webber would be ready to play. We didn’t have a big crowd with the semester being over. If you are a championship team, you are ready no matter what,” said Gravelle Craig, B-CU’s head basketball coach.
COURTESY OF B-CU SPORTS INFORMATION
Bethune-Cookman’s Javoris Bryant (11) is defended by Stetson’s Willie Green (3) in a recent game. The Wildcats have won two straight games and are looking to get on a roll.
Warriors fight for it B-CU (4-6) took a 37-35 lead after a three pointer from Kevin Dukes with 2:22 to go in the first half. The Wildcats led 70-57 after a jumper by Mack with 8:18 remaining. Webber International (4-5) got within 70-63 after a three from Brian Pace with 5:47 to play. Pace had a game-high 31 points and made 5-for-7 three pointers. He had 20 points at intermission. Jakeem Hill added 12 points with six boards for the Warriors. Paul Scotland had 14 points and Dukes added 10 for B-CU. The Wildcats played the University of Central Florida on Dec. 12, which is after the Daytona Times deadline. Visit www.daytonatimes.com for a game recap.
Coleman honored Adrien Coleman was named
MEAC Player of the Week on Monday. Coleman is currently leading the MEAC in scoring averaging 18.8 points per game and is second in rebounding with 5.3 per contests. He recently received national recognition on ESPN. Following a win over Stetson Adrien on Nov. 3 where Coleman Coleman scored 29 points, he was named National “Player of the Night’’ by ESPN. com’s Jeremy Lundblad in his stats and info blog on Dec. 4.
Plagued by injuries Through 10 games, B-CU has played some tough opponents.
The Wildcats have been in position to win some close games that they have lost. Five of the Wildcats six losses have come by 10 points or less. BCU lost to Kent State (69-68), St, Bonaventure (65-55), Tulane (6555), North Florida (71-65) and rival Florida A&M (75-67). Several players are nursing injuries, including guards Ricky Johnson and Mikel Trapp and center Mark Respress. “Injuries have slowed us. I would like to be at .500 right now. We have played consistently inconsistent. We must fight through it, play hard, rebound, outwork other teams and become consistent,” Craig stated.
Challenges ahead B-CU still has some tough games coming up. After UCF, the Wildcats will face powerhouse Pittsburgh in Pennsylvania in a game that will air live on ESPN3.com.
The Wildcats host Youngstown State on Dec. 21, then travel to Louisiana State on Jan. 5 and Florida International on Jan. 7 before heading into conference play on Jan. 12. “We have no choice but to compete or lose by 50 points. I’m not worried. We will be ready to play,” responded Craig.
Football honors: Hackney All-American Sophomore offensive lineman Terrance Hackney is now a member of two All-American teams. On Monday, he was named to The Sports Network FCS AllAmerican Third Team offense. On Dec. 5, Hackney was named to Beyond Sports Network FCS’s All-American third team offense.
Signings The Wildcats softball program announced on Dec. 8 that it has
signed five players to national letters of intent. Kaitlin Alamprese (Don Antonio Lugo High School, Chino, Calif.); Bailey Conner (La Costa Canyon High School, Encinitas, Calif.); Courtnee Laughlin (Colton High School, Colton, Calif.); Jessica Valenzuela (Aquinas High School, San Bernardino, Calif.) and Destinee Williams (Heritage High School, Brentwood, Calif.) will join the three-time defending Mid-Eastern Athletic Conference champion Wildcats for the 2014 season. The women’s basketball team signed Guard Alea Godfrey to a national letter of intent for the 2013-14 season. Godfrey plays for Crosby high in Texas. As a junior she averaged 19.3 points, 11 rebounds, 7.2 assists and 4.6 assists per game.
Plenty of star power in Atlantic, Father Lopez game Green Wave outplays Sharks in matchup of top girls teams BY ANDREAS BUTLER DAYTONA TIMES email@example.com
In a much-anticipated girls high school basketball matchup, Father Lopez beat Atlantic 68-55 at the ICI Center at Embry Riddle Aeronautical University in Daytona Beach on Monday. Both teams entered the game ranked in the state polls and both are expected to make state title runs in their respective classifications. The game featured plenty of star power with four Division I signees in Atlantic High School’s Ronni Williams (University of Florida), along with Lopez’ Shannon Crenshaw (George Washington University), Ashley Folsom (Southern Miss) and Simone Brown (Liberty). Lopez played better team basketball against a more athletic Atlantic squad.
Flu slows down Williams The Lopez Green Wave got plenty of production from the outside and inside combo of Crenshaw – who scored 23 points, grabbed seven rebounds and dished out five assists – while Folsom tallied 25 points with nine boards, five assists and two blocks. Williams had 18 points, nine rebounds, seven assists and four blocks for the Sharks but had only six points in the second half. She was sick with the flu over the past couple of days and collapsed short-
VOLUSIA COUNTY HIGH SCHOOL FOOTBALL REVIEW ly after the game. Williams was taken to the hospital as a precautionary matter after campus personnel and a doctor tended to her and deemed her to be fine.
Coach Butts: Team lost composure Father Lopez (9-1) ended the third quarter with a 14-2 run to lead 50-42. “We made some bad plays in the first half, especially with the turnovers. We had to take our time and not force it. We wanted to play focused and execute,” responded Brad Ridenour, Father Lopez’s head coach. Atlantic (6-2) scored just 21 second-half points but did take a four-point lead to start the third quarter. “We just lost our composure. I think that we got caught up in this venue and crowd. They did a good job and capitalized on our mistakes,” said George Butts, Atlantic’s head coach. The Sharks got within 52-48 in the final period before the Green Wave finished the game with a 16-7 run.
Exciting first half The first half was an exciting offensive show by both teams, which resulted in a 34-34 tie at halftime. “We wanted to run and we did that in the first half, but then we stopped and went to individual play. I wasn’t happy with that,” stated Butts. “Their press really hurt us and made us turn the ball over in the first half. They tried to wear us out in the first half with their
pressure defense, but we felt that we could wear them out. We really worked on getting into shape in the off season,” said Ridenour. Brown also posted a double-double with 10 points and 12 boards while April Panaggio added nine critical points for Lopez. Destiny Woodard added 17 points with six boards and five steals while Shantazia Howard scored 12 points for Atlantic. Another purpose of playing the game was to boost girls’ high school hoops in the area. Ridenour commented, “We feel like the sport needs to be stronger. We want girls not to give up on the sport so quickly. I think we had five terrific players on the court and hopefully this inspires some girls to commit to the sport.” “I thought it was an awesome venue and a great atmosphere. I hope that some of these younger girls will want to keep this going and bring more to basketball in this area,” added Butts. Embry Riddle allowed the use of its facility free of charge to Atlantic, which was the home team.
Prep sports seven basketball rankings Girls: 1. Father Lopez (91), 2. DeLand (8-0), 3. Atlantic (6-2), 4. Flagler Palm Coast (6-2), 5. Seabreeze (6-2), 6. Trinity (6-4), 7. Warner (4-1). Boys: 1. Father Lopez (41), 2. New Smyrna (7-1), 3. Flagler Palm Coast (5-4), 4. Mainland (3-3), 5. DeLand (4-2), 6. Pine Ridge (4-2), 7. Trinity (3-2). Others: Halifax (4-2), University (43), Atlantic (3-3), Spruce Creek (2-3). Note: The records are as of Dec. 11 at noon.
DUANE FERNANDEZ/HARDNOTTS PHOTOGRAPHY
Father Lopez’ Ashley Folsom (24) gets behind Atlantic defenders Desire Robinson (25), Ronni Williams (1) and Dee Gillard (10) for a lay up.
7DECEMBER 13 - DECEMBER 19, 2012
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