S ERVING C OLUMBUS , F T. B ENNING , P HENIX C ITY & S URROUNDING A REAS
The Voice Of The Community: Inspirational-Informative-Empowering
Vol. 13 Edition 29 Free Thursday January 4, 2018
Millenials On The Move In Muscogee County
Our Inaugural Listing Of Millenials In Muscogee County Who Are Making Page 8 A Difference
2018 Alpha Phi Alpha Unity Awards
The List Of Past Unity Award Recipients. Who Will Be Next? Page 10
Tomorrowâ€™s Leaders Today
The Cols. Ga. Chapter Of Jack And Jill Of America Introduces 21 Beaux To Society Page 12
MOST INFLUENTIAL B L AC K S COLUMBUS & PHENIX CIT Y
THURSDAY January 4, 2018
Who Will Be The 5th Vote? We Will All Know Tuesday January 17, 2018
The Street Committee
According to the street committee a source close to the situation has shared that there has been a “meeting before the meeting” which is not scheduled until Tuesday January 17, 2018. It is on that date the members of the Muscogee County School Board is expected to vote on who will represent them as their Board Chairman and Vice Chairman for the 2018 school year. According to a reliable source, Frank Myers has garnered the five votes needed to elect board member Mark Cantrell as its next board chairman of the board. Our reliable source says that four of the votes are: Frank Myers, John T h o m a s , Va n e s s a Jackson and of course Mark Cantrell is expected to vote for himself. It will be very interesting to find out, on January 17, 2018 who the deciding vote will be. Given how they have voted in the past, what we do know is that Pat Hugley Green, who has intimated that she wishes to continue as the Chairperson, Cathy Williams, Naomi Buckner and Laurie McRae are not expected to vote along with Frank Myers and his marionettes.
The Courier Eco Latino Newspaper
*Any editorial content are the views of the writer and do not necessarily reflect the views of this newspaper, publisher or staff”
The Courier Eco Latino Newspaper 1300 Wynnton Rd Suite 104 Columbus, Georgia 31906 Email: email@example.com Phone: 706.225.0106 Mailing Address: P.O. Box 5747 Columbus, Ga 31906 Visit Us Online At: www.couriernews.org
A VIEW FROM A PEW
THURSDAY JANUARY 4, 2018
Happy New Year
Happy New Year and welcome to 2018.
On the following pages, as we do in our first publication of each year, is our listing of the 60 most influential Blacks of Columbus and Phenix City, Alabama.
To create our roster our editorial board drew from a variety of sources. From politicians to ministers, entrepreneurs to officers, on the following pages we have provided our list of Black men, women and or organizations whom we feel, according to the definition of “influence” in the Merriam-Webster Dictionary, “have the power or capacity in indirect or intangible ways to have an effect on the condition or development of the people of our community”. Our list this year includes many familiar names and some new faces. Individuals on the list – some who are very much in the public eye and some who choose to work behind the scenes – have been selected for the power and influence they wield in our community.
This year we have added four additional listings. The first is a list of the thirtyone past recipients of the Delta Iota Lambda Chapter of Alpha Phi Alpha Fraternity, Inc. Unity Award. This prestigious award has been presented annually at their Martin Luther King, Jr. breakfast since 1987. Black Millennials are thoughtful, nuanced, and knowledgeable about poli
tics and are aware of the challenges within the Black community and how those challenges can be addressed through social media. We realize that the importance of this generation cannot and should not be underscored. Our list of “Millenials on the Move”, includes individuals who are currently involved in our community through volunteerism, their service on local boards and commissions, or by making a difference in their area of expertise. We are excited to include our listing of one of the fastest growing demographics in Muscogee County, the twenty most influential Hispanics in Columbus, Ft. Benning and Phenix City, Alabama.
We are well aware that anytime you decide to compile lists of individuals based on their “influence” or whether they are; “On The Move”, it always leaves room for criticism or at the least some heated discussions. This is our list as we see it. We understand and respect those differing opinions and as such we will have to agree to disagree.
Our final list is that of twenty-one outstanding young men who were presented to the community on Saturday December 16th 2017. The 20th Biennial Beautillion Ball is the culmination of a yearlong worth of activities sponsored by Jack and Jill of America Columbus, GA Chapter.
Wane A. Hailes
B L AC K S
OF COLUMBUS & PHENIX CIT Y
Cong. Sanford D. Bishop 2nd District
Kia Chambers MCSD School Board
Dr. Brenda Coley
Russell County Superintendent
Jerry “Pops Barnes” City Council District 1
Kenneth Barnes Russell Cty School Board
Vivian Creighton-Bishop Municipal Court Clerk
Judge Mary Buckner Recorders Court Judge
Naomi Buckner MCSD School Board
Judge Zack Collins
Greg Countryman Marshal Muscogee County
Greg Davis CEO Davis Broadcasting, Inc.
Russell County District Court
COLUMBUS & PHENIX CITY
Judge Michael Bellamy Russell Cty. Circuit Court
Dee Armstrong TV Personality
Chief William Alexander Russell Cty. Sheriff Dept.
Patricia Alexander Phenix City School Board
60 MOST INFLUENTIAL
elcome to The Courier/Eco Latino newspaper’s Annual Guide to the 60 Most Influential Blacks of Columbus & Phenix City. To create our roster our editorial board drew from a variety of sources. From politicians to ministers, entrepreneurs to officers, on the following pages we have provided our list of Black men, women and or organizations whom we feel, according to the the definition of “influence” in the Merriam-Webster Dictionary, “have the power or capacity in indirect or intangible ways to have an effect on the condition or development of the people of our community”. Our list this year includes many familiar names and some new faces. Individuals on the list – some who are very much in the public eye and some who choose to work behind the scenes – are selected for the power and influence they wield.
THURSDAY January 4, 2018
Rev. Johnnie Flakes, III 4th Street Metropolitan Baptist
Jamal De Saussure Omega Psi Phi
Belva Dorsey CEO Enrichment Services
Cattie Epps Russell County Commissioner
Lisa Goodwin Deputy City Manager
Pat Hugley Green MCSD School Board
Wane A. Hailes Publisher Courier Eco Latino
Vernita Harris Delta Sigma Theta
Michelle Nelson Hawkins Cols, Alum. Chapter Delta
Bruce Huff Columbus City Council
Lula Huff Tax Commissioner
Isaiah Hugley Columbus City Manager
Rev. Ralph Huling Inter. Ministerial Alliance
Julius Hunter Recorders Court Judge
Vanessa Jackson MCSD School Board
Rochelle Jones Alpha Kappa Alpha
Sara Lang CEO Valley Healthcare
60 M OST I NFLUENTIAL B LACKS
Wallace Hunter City Manager, Phenix City
Will Lawrence Phenix City School Board
C OLUMBUS & P HENIX C ITY
WWW. COURIERNEWS . ORG
60 MOST INFLUENTIAL
Arthur Day City Council Phenix City
Rosa Evans Director Metra Transit
Ed Harbison State Senator
Carolyn Hugley State Representative
Stacey Jackson Attorney
Mel Long C.U.R.E.D Phenix City
Eddie Lowe Mayor Phenix City
Rodney Mahone Publisher Ledger Enquirer
Judge Ben Richardson State Court Muscogee County
Arthur Sumbry, Jr Russell County Coroner
Teresa White President Aflac
Dr. Mesha Patrick Phenix City School Board
Oz Roberts Alpha Phi Alpha
Larry Screws Russell Cty Commissioner
Audrey Boone Tillman General Counsel Aflac
Beverly Townsend, MD Dir. West Central Health
Joseph Williams Russell Cty School Board
Evelyn Turner Pugh Mayor Pro-Tem Columbus
Melanie V. Slayton MCSD Attorney
Eugenia Upshaw Russell Cty School Board
Ronnie Reed Russell Cty Commissioner
Calvin Smyre State Representative
Teresa Whitaker News Anchor WRBL TV 3
EMPOWERING I N F O R M AT I V E
Rev. Noble Williams Phenix City Concerned Clergy
Shiann Williamson AKA Rho Rho Omega
Dr. Robert L. Wright Businessman
I N S P I R AT I O N A L
60 M OST I NFLUENTIAL B LACKS
C OLUMBUS & P HENIX C ITY
WWW. COURIERNEWS . ORG
60 MOST INFLUENTIAL
THURSDAY January 4, 2018
F RIENDSHIP B APTIST C HURCH
831 6 TH AVE C OLUMBUS , G A
January 4, 2018
E ARLY W ORSHIP 8AM B REAKFAST 9:AM S UNDAY S CHOOL 9:30 W EDNESDAY P RAYER M EETING /B IBLE AM M ORNING W ORSHIP 11AM S TUDY 7PM T HURSDAY N OON B IBLE S TUDY 12 NOON S UNDAY C HILD D AY C ARE S ERVICES AVAILABLE F OR T HOSE ATTENDING O UR W ORSHIP WEBSITE : WWW. FRIENDSHIPMBC . ORG (O FFICE )706.323-6996 (FAX ) 706.322.7596 (PASTOR ’ S HOME )706.561.6733
R EV. D R . E MMETT S. A NITON , J R PASTOR
First African Baptist Church 901 5th Avenue
Sunday Worship Sunday School 9:30 A.M. Morning Worship 11A.M. Transportation Provided
Sr. Pastor Roderick Green
St. James Missionary Baptist Church
“Put God First”
5214 St. James Street Columbus, Georgia
Church 706.687.6420 Residence 706.563.3256 Cell 706.315.5749 Dr. Ralph W. Huling Senior Pastor
Metropolitan Baptist Church 1635 5th Avenue . Columbus, Georgia
Pastor Curtis Crocker, Jr.
Service Sunday School 9:30 A.M Monday Night Tuesday Bible Study
Schedule Sunday Worship 11:00 A.M Prayer 6:00 P.M 12:00 P.M & 5:30 P.M
Mission Statement A growing church for growing Christians attempting to grow the Kingdom, one soul at a time.
Fourth Street Missionary Baptist Church Corner of 3rd Avenue and 5th Street Rev. Dr. J.H. Flakes Jr. Way Columbus, Georgia 31901 706.324.2055 Rev. J.H. Flakes, III -Pastor Rev. Dr. J.H. Flakes, Jr. - Pastor Emeritus
P ROGRESSIVE F UNERAL H OME Evergreen Covington, CEO
4236 St. Mary’s Road Columbus, Georgia
elcome to The Courier/Eco Latino newspaper’s inaugural listing of “Millenials On The Move”. The Pew W Research Center describes Millennials as “America’s most racially diverse generation.” Contrary to popular
opinion Black Millennials are thoughtful, nuanced, and knowledgeable about politics and are aware of the challenges within the Black community and how those challenges can be addressed through social media. We realize that the importance of this generation cannot and should not be underscored. Our list includes individuals who are currently involved in our community through volunteerism, their service on local boards and commissions, or by making a difference in their area of expertise.
Geniece Davis Granville Vice President/General Manager Davis Broadcasting, Inc.
Dominick Perkins Political Consultant Perkins & Associates Political Consulting, LLC
John Hudgison Director Inspections And Codes Columbus Consolidated Government
Mercedes Parham Director Of Communications Muscogee County School District
LaTivia K. Rivers Manager Georgia Visitor Information Center (Columbus)
Attorney Jennifer Dunlap Founder Second Chance Recovery
Keith Phillips Graphic Artist Owner, Black Box Art Gallery
THURSDAY January 4, 2018
Tremaine “Teddy” Reese, Esq. Attorney Wright Legal Firm
Derrick “Lil D” Greene Sr. VP/Operations Manager IHeart Media
Katonga Wright, Esq. Owner/Managing Partner Wright Legal Firm
Greg Davis, Jr. National Sales & Mktg Dir. Davis Broadcasting, Inc.
Renitta Sweet Jarvis Hamilton Community Volunteer/Mentor President Young Professionals Urban League Advocate For Autism Speaks
Crystal Pendleton Shahid Manager Synovus Retail Ldg Center
Lauren Davidson Chambers Marketing Account Manager Amerigroup
Kenneth Davis Dr. Tammy Huff Graphic Artist Orthopaedic Surgeon Owner, Kollage Graphics St. Francis Orthopaedic Institute
Tamika McKenzie Academic Advisor Columbus State University
Josina Pittman Greene Donor Services Officer CFCV
Akear Mewborn CASA Volunteer MCSD
Latala Cofield Certified Doula Cherishing Life Beginnings
Corie Wilson Community Activist Peoples Party/Independence
Raveeta Addison Young Professionals Urban League
Gwennetta Wright TV Host Multi-Business Owner
Arreasha Z Lawrence Founder The MuSec Organization
Shae Anderson Director Historical Liberty Theatre
Pastor Adrian J. Chester Servant Leader Greater Beallwood Baptist
2017 Col. Jim Jackson (RET)
2016 Senator Ed Harbison
2010 Mayor Robert Poydasheff
2015 Sam Mitchell Marc Upshaw
2009 Judge John D. Allen
2014 Lula Lunsford Huff
2008 Frank Brown
2013 Gen. Carmen Cavezza (RET)
2012 Evelyn Turner Pugh
2011 Judge Michael Bellamy
2007 Phyllis Jones
2006 James H. Blanchard
2004 Dan Amos
2005 Cong. Sanford D. Bishop
2003 Rev. Robert Holston
2002 Rev. Primus E. King
2001 Mayor Bobby Peters
2000 Rep. Calvin Smyre
1999 Lyda Hannan
1998 Rev. J.H. Flakes, Jr
1997 Marvin Schuster
1996 Margaret Belcher
1995 Robert Wright, O.D.
1994 Lonnie Jackson
1993 Judge Albert Thompson
1992 Ocie Harris
1990 Metro Urban League
1989 M. Delmar Edwards
1991 George W. Ford, Jr.
C ELEBRATING 30
1988 John B. Amos
1987 A. J. McClung
“U NITY AWARD R ECIPIENTS ”
January 4, 2018
20th Biennial Beautillion Beaux
outstanding young men were presented to the community on Saturday December 16th 2017. The 20th Biennial Beautillion Ball was sponsored by Jack and Jill of America Columbus, GA Chapter.
These young men: Clyde Albright, Austin Baker, Bryce Boston, Myles Collier, Colby Edmond, Garrek Fuller, Nicholas Hallet, Desmond Hamm, Jr., Andrew Jackson, Brandon Mahone, John Malone, Jerry Santiago, John Andrew Sims, Robert Tillman, Aundre Turner, Jourdan Watson, Jalen Wiley, Deondrae Williams, Jalen Williams, Jason Williams and Kysmen Wood have participated in numerous clinics since the beginning of 2017 to include team building, leadership and community service. The Ball was the culmination of a yearlong program for the young men facilitated by members of the local Jack and Jill Chapter.
The Beaux were escorted by their Belles and presented accompanied by their parents and Marshalls. During the Ball the following presentations were awarded: Mr. Jack and Jill was awarded to Robert Tillman. Other Special Recognition Awards were given to the following beaux: Outstanding Community Service Award: 1st place: Mr. Beau 2017 Colby Edmond; 2nd place: Andre Tyler; 3rd Place: Jalen Williams, Academic Achievement: Jalen Wylie; Leadership Award: Jerry Santiago.
Jack and Jill of America, Inc., is a membership organization of mothers with children ages 2 â€“ 19, dedicated to nurturing future African American leaders by strengthening children through leadership development, volunteer service, philanthropic giving and civic duty.
Robert Tillman Mr. Jack and Jill 2017
January 4, 2018
20th Biennial Beautillion Beaux
Desmond Hamm, Jr.
John Andrew Sims
LIFE INSURANCE No Exams
YOU MAY QUALIFY
ISSUES AGE 18 THROUGH AGE 85 ALL APPLICATIONS ARE SUBJECT TO
January 4, 2018
January 4, 2018
Royal Court: Columbus Association introduces its scholarship program to the Fountain City
The Royal Court is the scholarship platform of Fountain City Mardi Gras. The program was created simultaneous with the inception of Fountain City Mardi Gras. The Royal Court is envisioned as the official ambassadors over Fountain City Mardi Gras activities. The Royal Court’s reign begins the day of their coronation and last until June 30. The Royal Court contestants complete an application and undergo interview from the selection committee. Contestants need not be from areas of Mardi Gras or Carnival but must embody the spirit of both respectfully. The Royal Court consists of six positions; The King of Mardi Gras, The Queen of Mardi Gras, The Royal Knight, The Royal Duchess, The Royal Page and the Queen of Carnival. Selection of the Royal Court is a major prelude to the
Inaugural Fountain City Mardi Gras Parade and Festival Saturday, March 10, 2018 in Liberty District near downtown Columbus, GA. The Fountain City Mardi Gras Royal Court for 2018 is:
King of Mardi Gras: Christopher Miles, Columbus State University Queen of Mardi Gras: Charlene Ubah, Columbus State University The Royal Knight: Trae McCray, Russell County High School The Royal Duchess: Kaleaha Stepp, Chattahoochee High School The Royal Page: Nasir Hall, Faith Middle School Queen of Carnival: Diandre Matthews, Columbus State University
Fountain City Mardi Gras Association, Inc. is a collective group of organizations; entrepreneurs showcasing the next generation of innovative business leaders formed by
members from an area of Mardi Gras or Caribbean culture. The mission of the Fountain City Mardi Gras Association is the improve the greater area of Columbus, GA by providing educational scholarship opportunities through Mardi Gras and Cultural activities. For more information: Fountain City Mardi Gras Royal Court PO Box 364, Columbus, GA, 31902 www.fcmardigras.org firstname.lastname@example.org 334.470.7454 Fountain City Mardi Gras Association PO Box 364, Columbus, GA, 31902 www.fcmardigras.org email@example.com |706.464.3445
Request for Bids/Proposals
RFB No. 18-0026 Water Management Services (Annual Contract) Due: January 17, 2018 – 2:30 PM Heather Scheuttig, Buyer Due:
RFB No. 18-0027 Double Churches Park Parking Addition January 17, 2018 – 2:30 PM Della Lewis, CPPB, Buyer Specialist
RFP No. 18-0016 Professional Surveying Services for Finance Department/Revenue Division & Engineering Department (Annual Contract) Due: January 19, 2018 – 5:00 PM Heather Scheuttig, Buyer
Sealed responses must be received and time/date stamped by the respective due dates shown above, by the Finance Department/Purchasing Division of Columbus Consolidated Government, 100 Tenth Street, Columbus, GA 31901. To obtain specifications, visit the City's website at: https://www.columbusga.org/finance/purchasing/docs/opportunities/Bid_Oppo rtunities.htm, notify the Buyer via email firstname.lastname@example.org and email@example.com, fax 706.225.3033 or telephone 706.653.4105. Andrea J. McCorvey Purchasing Manager
On December 4, 1906, seven undergraduate students at Cornell University, “The Seven Jewels,” organized Alpha Phi Alpha Fraternity, the first intercollegiate fraternity among African American men. With the Great Sphinx of Giza as its symbol, and the motto “First of All, Servants of All, We Shall Transcend All,” Alpha Phi Alpha dedicated itself to defend the rights and to promote the responsibilities of African Americans. The founders of Alpha Phi Alpha sought to combine social purpose with social action, to be more than a social organization. Throughout its history, Alpha Phi Alpha has promoted knowledge and achievement. The archives for Alpha Chapter at Cornell University reveal the tenacity of the early members of the Fraternity as it expanded to Howard University in 1907 and to Virginia Union University in 1908, and subsequently to other major campuses across the country. Although Alpha Chapter helped to shepherd the early growth of the Fraternity, it soon relinquished its administrative role as Alpha Phi Alpha became a national organization. The Sphinx Magazine, published in 1914, is the second oldest continuously published black journal in the United States. The oldest one is the NAACP’s Crisis Magazine, which was started by W.E.B. Du Bois, a member of Alpha Phi Alpha Fraternity.
Alpha Chapter encouraged the Fraternity to adopt its signature program “Go-to-High School, Go-toCollege” in 1919 to increase the number of black students eligible for college enrollment. Over the years, Alpha Phi Alpha Fraternity has initiated national programs to end segregation in professional education, to increase voter registration and turn-out, to create decent and affordable housing for African Americans, to encourage business development, to foster male sexual responsibility, and to mentor young men. In 1998, Congress authorized and the President approved Alpha Phi Alpha’s request to build a memorial on the Mall in Washington, D.C. to honor Dr. Martin Luther King, Jr., one of Alpha’s most distinguished members.
Between the history book and the chapter’s charter, the Delta Iota Lambda is slated with 2 years of being founded: 1943 & 1948. The official charter date as listed on the chapter’s charter is June 1, 1948. The first meeting place of Delta Iota Lambda was at the USO in Columbus, GA.
Pagina 8 Martin Luther King Jr. 1929 1968
Pastor baptista estadounidense, defensor de los derechos civiles. La larga lucha de los norteamericanos de raza negra por alcanzar la plenitud de derechos conoció desde 1955 una aceleración en cuyo liderazgo iba a destacar muy pronto el joven pastor Martin Luther King. Su acción no violenta, inspirada en el ejemplo de Gandhi, movilizó a una porción creciente de la comunidad afroamericana hasta culminar en el verano de 1963 en la histórica marcha sobre Washington, que congregó a 250.000 manifestantes. Allí, al pie del Lincoln Memorial, Martin Luther King pronunció el más célebre y conmovedor de sus espléndidos discursos, conocido por la fórmula que encabezaba la visión de un mundo justo: I have a dream (Tengo un sueño). Pese a las detenciones y agresiones policiales o racistas, el movimiento por la igualdad civil fue arrancando sentencias judiciales y decisiones legislativas contra la segregación racial, y obtuvo el aval del premio Nobel de la Paz concedido a King en 1964. Lamentablemente, un destino funesto parece arrastrar a los apóstoles de la no violencia: al igual que su maestro Gandhi, Martin Luther King cayó asesinado cuatro años después.
4 de enero 2018
4 de enero 2018
Pagina 7 Credito Pagina 4 Any eligible debts not paid through the assets are discharged. This will be in the public records section of the credit report. 5. Chapter 13 Bankruptcy – a legal process in which a consumer enters into a payment plan to pay off creditors using future income. These are arranged by the courts. Once the payment plan is complete, remaining eligible debts are discharged. This will be the public records section the credit report. 6. Charge-off – The balance on a credit obligation that a lender no longer expects to be repaid and writes off as a bad debt. 7. Collection – Attempted recovery of a past-due credit obligation by a collection department or agency. 8. Credit bureau – A credit reporting agency that is a clearinghouse for information on the credit rating of individuals or firms. Is often called a “credit repository” or a “consumer reporting agency”. The three largest credit bureaus in the U.S. are Equifax, Experian and TransUnion. 9. Credit history – A record of how a consumer has repaid credit obligations
in the past. 10. Credit obligation – An agreement by which a person is legally bound to pay back borrowed money or used credit. 11. Credit report – Information communicated by a credit reporting agency that bears on a consumer's credit standing. Most credit reports include: consumer name, address, credit history, inquiries, collection records, and any public records such as bankruptcy filings and tax liens. 12. Credit score – This term is often used to refer to credit bureau risk scores. It broadly refers to a number generated by a statistical model which is used to objectively evaluate information that pertains to making a credit decision. 13. Discharge – when the court releases a consumer of responsibility for a debt as part of the bankruptcy process. 14. Dispute – a right consumers have to challenge and require investigation of information they believe is incorrect or their credit reports. 15. Default – A failure to make a loan or debt payment when due. Usually an account is considered to be “in default” after being delinquent for several consecutive 30-day billing cycles. 16. Delinquent – A failure to deliver
even the minimum payment on a loan or debt payment on or before the time agreed. Accounts are often referred to as 30, 60, 90 or 120 days delinquent because most lenders have monthly payment cycles. 17. Finance charge – this is the credit cost, which includes interest and other charges that can be applied within the terms of your contract. 18. Fixed rate – an annual percentage that does not change. 19. Inquiry – An item on a consumer's credit report that shows that someone with a “permissible purpose” (under FCRA rules) has previously requested a copy of the consumer's report. Fair Isaac credit bureau risk scores take into account only inquiries resulting from a consumer's application for credit. 20. Grace period – the time you have to pay the bill in full and avoid interest charges. 21. Late payment – A delinquent payment; a failure to deliver a loan or debt payment on or before the time agreed. 22. Public Records – There are three types of public records that can appear in your credit report: bankruptcy, civil judgments and tax liens. You don't specify which is in your credit report. Personal bankruptcy is usually either Chapter 7
or Chapter 13. 23. Tax lien – In essence, a tax lien is the government's claim against all or some of your assets based on your failure to pay a tax debt on time. They may occur at the state or local level, or at the federal level. These liens come with many possible personal and legal implications. 24. Transaction fees – these are fees charged for certain uses of your credit line, for example, receiving cash advances form an ATM. 25. Variable rate – an annual percentage rate that may change over time as the prime lending rate varies or according to your contract with the lender. Whether you are new to credit or have years of experience with credit, it’s always a good idea to understand what, when, why and how to use your credit wisely. NeighborWorks Columbus knows how to prepare you, helping you to understand the importance of credit and how it will benefit you in the future, whether it’s for a new car or for a new home. For more information, please visit our website: www.nwcolumbus.org or call us at 706-324-4663.
By Kathy Rosado Neighborworks Columbus Eco Latino Crédito, como usted ya sabe, es un acuerdo de recibir efectivo, bienes o servicios ahora y luego pagar en el futuro. Es muy importante conocer el lenguaje de crédito. Crédito tiene su propio vocabulario que es importante a la hora de decidir qué tipo de crédito desea o le hará falta y descubrir cuáles son las mejores opciones para usted. He aquí algunos términos más comunes. Lenguaje Básico de Crédito 1. Cuota anual – un cargo especial por utilizar servicios de tarjetas de crédito, la cual podría variar entre $15 a $55. 2. Tasa de porcentaje anual – la cantidad de cuánto le costará el interés de crédito, expresado como un porcentaje anual. 3. Quiebra o bancarrota – proceso a través de la corte de quiebras que podrá legalmente liberar las deudas de una persona. 4. Capítulo 7 – un proceso legal en el que los activos del consumidor se utilizan para pagar a los acreedores. Cualquier deuda elegible no pagada a través de los activos se descarga. Esto estará en la sección de registros públicos del informe de crédito por un periodo de 10 años. 5. Capítulo 13 – un proceso legal en el cual un consumidor entra en un plan de pago para pagar a los acreedores usando ingresos futuros. Estos son arreglados por los tribunales. Una vez que se completa el plan de pago, las deudas elegibles restantes se descargan. Esta será la sección de registros públicos del informe de crédito por un
Entendiendo Crédito – Parte II
periodo de 7 años. 6. Tirada a pérdida “Charge off” – El saldo en una obligación de crédito que el acreedor ya no espera que se pague y se anota como una deuda incobrable. 7. Cobro o Colección – Intento de recobro de una obligación de crédito vencido a través de un departamento o agencia de cobro. 8. Buro de crédito – una agencia de informes crediticios que es un centro de intercambio de información sobre la calificación crediticia de individuos o empresas. A menudo se llama un "depósito de crédito" o una "agencia de informes del consumidor". Las tres oficinas de crédito más grandes de los EE. UU. son Equifax, Experian y TransUnion. 9. Historial de crédito – el récord de como el consumidor ha repagado sus obligaciones a través de los años. 10. Obligación de crédito – un acuerdo o compromiso de pago por lo que una persona está legalmente ligado para repagar dinero tomado prestado o uso de crédito. 11. Reporte de crédito – información comunicada por una agencia de crédito que influye en la posición de crédito del consumidor. La mayoría de los reportes de crédito incluye: nombre del consumidor, dirección, historial de crédito, indagaciones, registros de cobro y cualquier registro público como la quiebra o embargos de impuestos. 12. Puntaje de crédito – este término se usa a menudo para referirse a los puntajes de riesgo del buró de crédito. En términos generales, se refiere a un número generado por un modelo estadístico que se usa para evaluar objetivamente la información relacionada con la toma de decisiones de crédi-
to. 13. Alta – cuando el tribunal libera al consumidor de la responsabilidad de una deuda como parte del proceso de quiebra. 14. Disputa – un derecho de los consumidores a impugnar y exigir que se investigue la información que consideran incorrecta o sus informes crediticios. 15. Incumplimiento – una falla al hacer el pago de un préstamo o deuda a su fecha de vencimiento. Por lo general, se considera que una cuenta está "en incumplimiento" después de haber estado en mora durante varios ciclos de facturación consecutivos de 30 días. 16. Morosidad (delincuente) – una falla para entregar incluso el pago mínimo de un préstamo o pago de deuda en o antes del tiempo acordado. Las cuentas a menudo se consideran morosas de 30, 60, 90 o 120 días porque la mayoría de los prestamistas tienen ciclos de pago mensuales. 17. Cargos por financiamiento – este es el costo del crédito, que incluye intereses y otros cargos que se pueden aplicar dentro de los términos de su contrato. 18. Tasa fija – un porcentaje anual que no cambia. 19. Indagación – un artículo en el informe de crédito del consumidor que muestra que alguien con un "propósito permitido" (bajo las reglas de FCRA) ha solicitado previamente una copia del informe del consumidor. Los puntajes de riesgo del buró de crédito de Fair Isaac tienen en cuenta solo las consultas resultantes de la solicitud de crédito del consumidor 20. Periodo de gracia – el tiempo permitido para pagar la factura en su totalidad y evitar los cargos por intereses. 21. Pago tardío – Un pago en mora; una falla en entregar un pago de un préstamo o de deuda en o antes del tiempo acordado. 22. Registros públicos – existen tres tipos de registros públicos que pueden aparecer en su informe de crédito: bancarrota, juicios civiles y gravámenes fiscales. No especifica qué está en su informe de crédito. La bancarrota personal suele ser el Capítulo 7 o el Capítulo 13. 23. Embargo de impuestos - en esencia, un gravamen impositivo es la reclamación del gobierno contra todos o algunos de sus activos en función de su incapacidad de pagar una deuda tributaria a tiempo. Pueden ocurrir a nivel estatal o local, o a nivel federal.
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Estos gravámenes vienen con muchas posibles implicaciones personales y legales. 24. Cargos o tarifas de transacción – estas son tarifas cobradas por ciertos usos de su línea de crédito, por ejemplo, recibir anticipos en efectivo de un cajero automático. 25. Tarifas variables – una tasa de porcentaje anual que podrá cambiar a lo largo del tiempo como la tasa de interés principal o de acuerdo con su contrato con el prestamista. Ya sea que usted es nuevo con el crédito o tenga años de experiencia con crédito, siempre es una buena idea entender qué, cuándo, por qué y cómo usar su crédito sabiamente. NeighborWorks Columbus conoce como prepararlo con su crédito, puede ayudarle a usted entender la importancia del crédito y como le beneficiara a usted en el futuro, sea para un auto nuevo o para su nueva vivienda. Para más información, puede visitar nuestra página electrónica: www.nwcolumbus.org o comunicarse con nosotros a través del 706-324-4663.
Understanding Credit – Part II Credit, as you already know, is an arrangement to receive cash, goods or services now and pay for them in the future. It is important to know what the credit language is. Credit has its own language that are important when deciding about what kind of credit you want or may need and to discover what are your best options. Here are a few words most common: Basic Credit Language 1. Annual fee – credit card providers usually, but not always, require you to pay a special annual charge for using their service, amounts could be $15 to $55. 2. Annual percentage rate (APR) – an amount of how much interest credit will cost you, stated as an annual percentage. 3. Bankruptcy – A proceeding in U.S. Bankruptcy Court that may legally release a person from repaying debts owed. Credit reports normally include bankruptcies for up to 7 and 10 years. 4. Chapter 7 Bankruptcy – a legal process in which the consumer’s assets are used to pay off creditors. Crédito Pagina 5
H ISPANOS M ÁS 20 DE C OLUMBUS , F T. Y
Alejandro Brito Britos Market
Elica Ojeda Tri-City Latino Festival
Julio Llanos Assistant AD CSU
Roberto “Tito” Aron Tri-City Latino Festival
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Beatrice Casiano Tri-City Latino Festival
Cecelia Alexander WHINSEC
Cristina Richards Suntrust Bank
Rev. Dr. Ivelisse Quinones St. Luke
Jennifer Lopez 2017 Tri-City Latino Queen
Claudia Patricia Calle UGA Program Assistant
Kike Seda Businessman
Evelyn Mimi Woodson City Councilor
Pastor Luis Scott Clergy
Tanya Bachelor Community Advocate
Jose Guzman Defense Attorney
Anna Olivera Owner Fit Body Bootcamp
Daisy Linton Panamanian Society
Judith Lopez Women At New Beginning
Pedro Rodriguez DJ/Dance Instuctor
Elizabeth Naranjo Hayes CSU/GMC Professor
My Thoughts On DACA And Dreamers the oppression of the 1% of the population that is in power, you decide to move… to Norway. 1) How do you get to Norway? 2) What language do they speak? 3) Aren’t they all platinum blond and blue eyed? Won’t I stick out? 4) I have no idea how their society works… 5) But I must, it’s my only shot at survival. So, you try to find how to go, but the process is extremely expensive and takes 10+ years… if you had that kind of time or money, you wouldn’t need to go in the first place! But the human instinct for survival kicks in and you put yourself through the most horrific things just to arrive in Norway.
I was almost a “Dreamer” (Dream Act of 2017), a DACA person... My Mexican parents debated on taking me the 10 min across the border to be born in Tijuana, Mexico versus San Diego, CA. I "happened" to need to be born via C-section so I was born in the US, in San Diego county, about 10 miles from the border with Mexico. I grew up around MANY people that were "stuck" in that miserable situation, due to no choice of their own, growing up completely and thoroughly American but not actually being legal Americans. Most had never even BEEN to Mexico [or were so small they did not remember it], or did not speak Spanish!
You take the crap jobs that the locals won’t do, for crap pay, you are looked down upon for merely looking different, you live in fear of being sent back to Columbus where you will surely be killed, and you just try to stay out of sight. You work long hours doing backbreaking work for just enough money to send home to your family and split an apartment with ALL of your co-workers. You can’t go outside, not even to buy groceries, for fear of being caught and sent back. You miss your family, your language, your food, your home… but you are doing this to give your family a shot at making it.
“What do I care, I am an American, all of my family is American.” Well…
Now, imagine you are a parent and you found a way to bring one of your beloved children with you to Norway, and though you can’t shake your Columbus GA “Southernness” your child instantly adapts and becomes thoroughly Norwegian. Yo u r c h i l d s t a r t s Kindergarten in Norway, goes all the way through school, and decides to go get a job… well, your child can’t because he has no birth certificate. So, he works for cash. He wants to drive like all his friends, but he can’t get a license nor even any sort if ID. He falls in love and wants to marry… can’t, no ID. He wants to go to college, but can’t because though he was raised his entire life in Norway, has never been to Columbus GA, might not even speak English and only speaks Norwegian… though he is Norwegian through and through, he was brought illegally.
Imagine your wonderful home in Columbus GA becomes unlivable, due to either mass violence or a complete lack of access to education, jobs, and basic services. In an attempt to escape
Hence the Dream Act of 2017 and DACA. According to Congress.gov, Dream Act of 2017… directs the Department of Homeland Security (DHS) to cancel removal and grant lawful per-
Many reading this article may be of the mindset of “Send back all those illegals that are taking our jobs and draining our economy.” As a child of immigrants, I can assure you that no one WANTS to leave their home. It is a true travesty that people for many reasons in many countries around the world feel they have to leave their home for a sheer chance at survival. Since my parents were born and raised in Mexico, I can attest that the vast majority of Mexicans in the US that came here did so out of utter desperation.
manent resident status on a conditional basis to an alien who is inadmissible or deportable or is in temporary protected status who: (1) has been continuously physically present in the United States for four years preceding this bill's enactment; (2) was younger than 18 years of age on the initial date of U.S. entry; (3) is not inadmissible on criminal, security, terrorism, or other grounds; (4) has not participated in persecution; (5) has not been convicted of specified federal or state offenses; and (6) has fulfilled specified educational requirements. According to Department of Homeland Security, Individuals meeting the following categorical criteria could apply for DACA if they: • Were under the age of 31 as of June 15, 2012; • Came to the United States before reaching their 16th birthday; • Have continuously resided in the United States since June 15, 2007, up to the present time; • Were physically present in the United States on June 15, 2012, and at the time of making their request for consideration of deferred action with USCIS; • Had no lawful status on June 15, 2012; • Are currently in school, have graduated, or obtained a certificate of completion from high school, have obtained a General Educational Development (GED) certificate, or are an honorably discharged veteran of the Coast Guard or Armed Forces of the United States; and • Have not been convicted of a felony, significant misdemeanor, three or more other misdemeanors, and do not otherwise pose a threat to national security or public safety. Not only am I a college professor at CSU (as well as at Georgia Military College and Central Texas CollegeFort Benning), but I am also the sole interpreter at the Federal CourtMiddle District of Georgia. 99.99% of the cases I interpret for are people
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in the EXACT scenario I described above. NEVER in all of the years I have been interpreting has there been anyone picked up that had a criminal record. Their only crime was fleeing their homeland and seeking survival in the US. In fact, many crimes are committed TO this hidden population because they ARE hidden and CAN’T report crimes committed to them. Moms and kids are being stopped for no reason here in Columbus and picked up, the vast majority of the time it is only because they appear to be Amerindian. Nothing else. Then the parent is deported and the American born children are left in the US alone. As a child of Mexican immigrants, it hurts my heart to see this level of desperation. The fact that people go through unimaginable horrors just to arrive here, just to endure humiliation, discrimination, and fear of deportation, just to survive… it is heartbreaking. I wish there were a way to implement a documented workforce program so my fellow Latinos could get out of the shadows, work hard as they do, and not have to live in fear. I hope that the children of these immigrants who did not have the luxury (or the luck) of having been born within our borders, the “Dreamers” or DACA people, that they are able to become legal in the only country they have ever known. These are solely my personal experiences and I do not speak on behalf of CSU. Elizabeth Naranjo Hayes is a professor at Columbus State University and Georgia Military College
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Convirtiendo a Columbus Georgia en un Oasis de Alimentos Universidad de Georgia se convirtio en el socio de Georgia Organics desde el 2015, año en el que esta organización llego a Columbus. Algunos de los logros de éste trabajo en equipo incluyen una huerta communitarian creada en Bibb City, el programa after school a 2000 Opportunities, el programa de cocina saludable para la comunidad Latina, apoyo a huertas comunitarias en varios lugares de la ciudad, y la nueva granja urbana localizada en los alrededores de la Iglesia Cascade Hills.
By Claudia Calle
Family and Consumer Sciences Program Assistant
Y Anne Randle
Agriculture and Natural Resources Agent
Special To The Courier
Abasteserce de productos frescos y saludables es un eto para algunas familias ubicadas en ciertas areas de Columbus, consideradas por el Departamento de Agricultura de los Estados Unidos como “desiertos de la comida.” Esta designación está direccon el bajo tamente relacionada número de tiendas y supermercados que ofrecen productos frescos, la capacidad de compra de las familias y el acceso al transporte en estas areas. El proyecto Georgia Organics Food Oasis está trabajando para cambiar esta realidad. El objetivo de Food Oasis es incrementar la disponibilidad y el consumo de alimentos frescos y saludables producidos en granjas locales. Esto no sólo proporcionará alimentos con valor nutricional, sino que apoyará directamente a nuestra comunidad. Algunos agricultores locales venden sus productos a restaurantes y pequeños mercados, la idea es apoyar directamente a estos productores locales para que la economía local se fortalezca. También las huertas comunitarias y la siembra de vegetales en nuestros propios jardines serían otra alternative para incrementar la producción y disponilbilidad de alimentos en Columbus. La jardinería además cumpliría un multiple proposito, ya que proporcionaría alimentos frescos y nutritivos, aumentaría la actividad física, mejoraría los paisajes e incentivarí las relaciones interpersonales de la comunidad. La Oficina de Extension de la
Food Oasis está abierta a todos los ciudadanos de Columbus interesados en que haya más alimentos frescos disponibles en nuestra comunidad. Las reuniones se llevan a cabo mensualmente para discutir proyectos y asuntos de interés, así como proporcionar pequeñas-subvenciones para nuevos proyectos que beneficien a la comunidad. Si esta interesado en formar parte de este proyecto, o en enterarse de lo que esta sucediendo, busque Georgia Food Oasis en Facebook o siga los enlaces en UGAExtension.org/muscogee en la página de agricultura y recursos. También estamos buscando organizaciones en la comunidad Latina, que deseen apoyar el programa de nutrición permitiendonos impartir demostraciones de como alimentarnos de manera más saludable, y también la oportunidad de encuestar a la comunidad sobre los productos que les agradaría que se comprarán localmente. Si está interesado en obtener más información sobre esta oportunidad, comuníquese con Anne Randle: firstname.lastname@example.org o 706-653-4200. Para obtener mas información sobre el programa de jardinería y pequeñas huertas puede llamar al 706-653-4200 y comunicarse con Anne Randle agente de Agricultura y Recursos Naturales del programa de Extensión Cooperativa de la Universidad de Georgia, o con Claudia Calle asistente de programa para la Familia y Ciencias del Consumidor.
ENGLISH Turning Columbus into a Food Oasis Getting enough fresh, healthy produce to eat can be a challenge for many families in Columbus. Many areas in Columbus are considered a food desert by the USDA, a designation which relates to the number of stores offering fresh food, average income, and
access to transportation. The Georgia Organics Food Oasis project is working to change this reality. The goal of Food Oasis is to increase the availability and consumption of healthy foods produced locally. This not only provides food at its nutritional peak, but it directly supports our community. Many local farmers visit Columbus to sell produce to restaurants or at farmers markets, and supporting those farmers directly keeps money in our local economy. Community and home gardening is another important part of increasing food availability in Columbus. Gardening not only provides fresh food, but also increased physical activity, improves landscapes, and builds relationships within the community.
links at ugaextension.org/muscogee on the Agriculture and Natural Resources page. We are also currently seeking partnerships in the Latino community to provide healthy cooking demonstrations and survey participants about what products they would like to see grown locally. If you are interested in learning more about this opportunity, please contact Anne Randle: email@example.com or 706653-4200. Anne Randle is the Agriculture and Natural Resources Agent and Claudia Calle is the Family and Consumer Sciences Program Assistant for the University of Georgia’s Cooperative Extension program. For more information on this or other home gardening or family health topics, they can be reached at 706-653-4200.
UGA Extension has been partnering with Georgia Organics since it became active in Columbus in 2015. Some of the results so far include a free community orchard in Bibb City, and after school vegetable gardening program at 2000 Opportunities, a healthy cooking outreach program in the Latino community, support of many community gardens throughout the city, and a new urban farm located at Cascade Hills church. Food Oasis is open to all residents in Columbus interested in seeing more fresh food available in our community. Meetings are held monthly to discuss projects and current issues, as well as provide mini-grants to new projects. If you are interested in becoming a part of the conversation, look for Georgia Food Oasis on Facebook or follow the
Eco Latino Vol. 13
S ERVING C OLUMBUS , F T. B ENNING , P HENIX C ITY & S URROUNDING A REAS
La voz de la comunidad hispana
Ediciรณn 29 Gratis
jueves 4 de enero 2018
Convirtiendo a Columbus Georgia en un Oasis de Alimentos
Claudia Calle asistente de programa para la Familia y Ciencias del Consumidor Universidad de Georgia Pagina 2
H ISPANOS M รS I NFLUYENTES 20 DE C OLUMBUS , F T. B ENNING Y
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My Thoughts On DACA And Dreamers Pagina 5
A Mexicans Perspective: CSU Professor Elizabeth Naranjo Hayes Offers Her Opinion Pagina 4
Published on Jan 4, 2018